River Valley Credit Union Ada MI | Low Mortgage Rates & Auto Loans

Introduction

Welcome to River Valley Credit Union, your trusted partner in financial growth and community support since 1965. Located at 7177 Headley St SE, Ada, MI 49301, our credit union has proudly served over 9,699 members with a commitment to exceptional service and personalized banking solutions. With total assets of $119,583,170 and deposits amounting to $7,241,939, we are dedicated to helping you achieve your financial goals. At River Valley, we understand that every member's needs are unique. Whether you're looking for checking and savings accounts, auto loans, or business financing options, our experienced team is here to provide tailored solutions. Led by our CEO Janelle Franke and Board President Kurt Hansen, our passionate staff of 31 employees works diligently to ensure your banking experience is seamless and rewarding. While members can visit us at our branch in Ada, official correspondence should be sent to our mailing address: PO Box 493, Ada, MI 49301. We invite you to reach out at (616) 787-7481 for any inquiries or assistance. Our commitment extends beyond just banking; we strive to make a positive impact on the communities we serve. With robust financial offerings including over 5,241 loans and leases, we've created opportunities for countless families and businesses. Your trust in us fuels our mission to foster growth and stability in every member's life. Join us today by visiting our website at www.rivervalleycu.org or call us for more information about how we can assist you. Together, let's build a brighter financial future!

Branch History & Mission

Welcome to River Valley, a cornerstone of the community in Ada, MI. Since opening our doors in 1965, we have proudly served our members and fostered a culture of trust and support. With nearly 10,000 members and total assets reaching an impressive $119,583,170, our journey reflects not just growth but also a deep commitment to the people we serve. Located at 7177 Headley St SE, our branch is easily accessible for local residents. We invite you to stop by during our operating hours from Monday to Friday, 9:00 AM to 5:00 PM. Whether you're visiting for personal banking needs or exploring new services, we're here to help. Additionally, we offer drive-thru banking and ATM services for your convenience. At River Valley Credit Union, our mission is clear: to provide exceptional financial services while making a positive impact on our community. We believe that banking should be about more than just transactions; it should be about building relationships. Our members enjoy a range of services including checking and savings accounts, auto loans, mortgages, personal loans, credit cards with rewards, and business banking options. Our commitment extends beyond financial services. We actively engage in community outreach initiatives that support local causes and charities. By partnering with organizations and participating in events, we strive to make Ada a better place for everyone. In addition to traditional banking services, we've embraced modern technology to enhance your experience. Our online and mobile banking options make it easy for you to manage your finances anytime, anywhere. With features like electronic signatures and e-statements, we prioritize accessibility while ensuring ADA compliance. While members can visit us at 7177 Headley St SE, official correspondence should be sent to PO Box 493, Ada, MI 49301. For any inquiries or assistance needed along your financial journey with us, feel free to call us at 616-787-7481. We invite you to join River Valley Credit Union today! Experience the benefits of being part of a member-focused institution where your financial well-being is our top priority. Together, let's build a brighter future for all!

Branch Location & Accessibility

Convenient Access

At River Valley, we understand that convenience is key. Our location features ample parking for all members and visitors, ensuring your visit is hassle-free. We also prioritize accessibility, with ADA-compliant facilities and ramps designed to accommodate everyone. Whether you are visiting us for personal banking or business needs, you'll find our branch welcoming and easy to navigate.

Get in Touch

Have questions or want to learn more about what we can do for you? Feel free to give us a call at 616-787-7481. Our friendly staff is always eager to assist you! Come visit us at River Valley Credit Union today we look forward to welcoming you into our financial family!

Operating Hours

We are here for you Monday through Friday from 9:00 AM to 5:00 PM. Whether you need assistance with opening an account, discussing loan options, or simply withdrawing cash, our dedicated team is ready to help during these hours.

Services Offered

River Valley Credit Union offers a range of services designed to meet your financial needs. From checking and savings accounts to auto loans and mortgages, we have solutions tailored just for you. Need quick cash? Our ATM is available on-site for your convenience. Plus, enjoy the ease of drive-thru banking for deposits and withdrawals without leaving your vehicle. If you're looking for shared service options, we proudly participate in shared branching, allowing members of partner credit unions to access basic banking services right here at our location.

Member Eligibility

At River Valley, we believe that becoming a member means joining a family that supports each other in achieving financial goals. If you're looking to become part of our community, the good news is that eligibility is straightforward and welcoming. Individuals who live, work, worship, or attend school in Kent County can easily join us. Plus, immediate family members of current members are also eligible. With membership comes a variety of benefits, including access to personalized banking services and competitive loan rates designed to help you thrive. Ready to take the next step? Opening an account with us is simple! Just visit our website for detailed information about eligibility and account opening procedures at . If you have any questions or need assistance, don't hesitate to give us a call at (616) 787-7481. We're here to help you every step of the way as you begin your journey with River Valley at our branch located at 7177 Headley St Se Ada Mi 49301.

Business Banking & Commercial Services

Commercial Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We also support the broader business community with $1 in non-member commercial loans, providing flexible financing solutions. Imagine securing funding that allows you to purchase new equipment, hire additional staff, or expand your operations. With our tailored loan options, we aim to empower local businesses in Ada, MI to thrive.

Merchant Services

In addition to loans, we offer merchant services designed to simplify payment processing. Picture your customers seamlessly paying for their purchases while you enjoy quick access to those funds. Our services help streamline transactions so you can focus on what matters most: growing your business. At River Valley, we're dedicated to being more than just a lender; we're here to fuel your ambitions and support the economic vitality of our community. For more information on how we can assist your business, visit us at 7177 Headley St Se Ada Mi 49301 or call us at (616) 787-7481.

Comprehensive List Of Services

Business Banking Support

For entrepreneurs, River Valley offers comprehensive business banking solutions. Our merchant services streamline transactions, making it easier for you to focus on growing your business. Additionally, our business loans provide the financial support needed to take your venture to the next level.

Convenient Digital Banking Features

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking options that allow you to manage your accounts anytime, anywhere. Need cash? Our ATM and cash withdrawal services are readily available for quick access to your funds. Plus, with basic drive-thru banking, you can make deposits and withdrawals without leaving your vehicle. If you're a member of another credit union, don't worry! Our shared branch transactions enable you to conduct basic operations like deposits and withdrawals seamlessly.

Credit Options That Reward You

Our credit cards with rewards let you earn points while making everyday purchases. Whether you're buying groceries or planning a getaway, you'll benefit from every swipe.

Get Started Today!

At River Valley, we're here to support you every step of the way on your financial journey. For any questions or assistance regarding our services, please don't hesitate to call us at 616-787-7481. We invite you to visit us at our branch or explore more about what we offer at River Valley Credit Union. Let us help you achieve your financial goals today!

Personal Banking Solutions

Starting with personal banking, we offer checking and savings accounts that help you manage your everyday finances easily. Imagine having an account that not only keeps your money safe but also helps it grow! Our auto loans and vehicle financing options make it simple for you to hit the road in style. With competitive rates and flexible terms, getting behind the wheel has never been easier. When it comes to homeownership, our mortgage loans and refinancing options cater to first-time buyers and seasoned homeowners alike. We understand that purchasing a home is a significant milestone, so we provide personalized guidance throughout the process. If you're facing debt challenges, our personal loans and debt consolidation services can help you regain control of your finances.

Digital & Online Banking

At River Valley, we understand that managing your finances should be as convenient and secure as possible. That's why we offer a range of digital and online banking services designed to fit your busy lifestyle. With our online banking platform, accessible at https://www.rivervalleycu.org/, you can manage your accounts anytime, anywhere. Whether you need to check your balance, transfer funds, or pay bills, our 24/7 online banking services make it easy and hassle-free. Plus, the ability to set up electronic signature authorization means you can approve transactions securely from the comfort of your home. We also provide e-statements, allowing you to view your financial statements online instead of waiting for them in the mail. This not only helps reduce clutter but also gives you quicker access to your account information. If you're on the go, our mobile application offers all these features right at your fingertips. Need to send money to a friend? With our person-to-person transfer feature, you can quickly send money without the need for cash or checks. Although mobile payments are not available yet, our app is user-friendly and designed for real-time account management. At River Valley, we prioritize your security while ensuring that accessing your finances is straightforward and efficient. Enjoy peace of mind knowing that you have control over your banking needs with just a few clicks or taps. Join us today and experience how easy banking can be!

Financial Strength

A Growing Member Base

Total Share and Deposit Accounts: 22,898, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $917,992. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, River Valley is your trusted partner. Visit us at 7177 Headley St Se Ada Mi 49301 or call (616) 787-7481 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings

Members' savings are secured through $13,748,160 in share certificates and $16,561,421 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $1,596,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $599,349 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 27 full-time employees and 4 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvestment for Your Benefit

With $12,753,576 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals across various sectors with $1,507 in used auto loans and $75,958,479 in total loans and leases.

Strong Financial Health

With a net worth of $13,481,216, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,127 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $30,126,014 in total auto loans already helping members get on the road. We provide financing options for both new and used vehicles; currently, we have funded $7,379,331 in new vehicle loans and $30,426,990 in used vehicle loans. Our straightforward application process makes it easy to get started.

Credit Lines and More

In addition to our auto and mortgage loans, we offer significant lines of credit totaling $32,000,000. This option is ideal for those who need access to funds without the commitment of a traditional loan. If you're interested in learning more about any of these offerings or would like assistance with refinancing options, please don't hesitate to reach out. You can contact us at 616-787-7481 during our operating hours from Monday to Friday between 9:00 AM and 5:00 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At River Valley Credit Union, we're committed to helping you achieve your financial goals with products that suit your lifestyle.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $5,498,970, providing you with flexibility and competitive rates. If you're considering refinancing your current mortgage or are unsure about eligibility options, our team is here to guide you through the process and help find the best fit for your situation.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. With a total of $2,683,616 in loans helping members manage their finances effectively, our credit cards come with rewards that can benefit you as you spend. Whether it's for everyday purchases or larger expenses, our credit cards are designed to provide convenience and value.

Loan Aggregator

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River Valley