River Valley Credit Union Edmore MI | Affordable Auto Loans & Business Banking

Introduction

Welcome to River Valley, your trusted partner in financial well-being since 1965. Located at 1369 Industrial Park Dr, Edmore, MI 48829, we are dedicated to providing our community with exceptional banking services tailored to your needs. Whether you're looking for a personal loan, savings account, or business financing, our team is here to help you achieve your financial goals. At River Valley, we pride ourselves on our strong community ties and commitment to our members. With over 9,699 members and total assets of $119,583,170, we are not just a credit union; we are a vital part of the Edmore community. Our dedicated staff of 31 employees, led by CEO Janelle Franke and Board President Kurt Hansen, is always ready to assist you. While members can visit us at our branch location for personalized service, official correspondence should be sent to our mailing address: PO Box 500, Edmore, MI 48829. We invite you to explore the variety of services we offer, including checking and savings accounts, auto loans totaling 5241, and a wide range of mortgage options. With total deposits reaching $7,241,939, we ensure your money is safe and growing. Our commitment doesn't stop at banking; it's about building relationships and making a positive impact in our community. We encourage you to reach out with any questions or to learn more about how we can support you financially. Call us at 989-427-5621 or visit our website at River Valley Credit Union. Join us on this journey toward financial success!

Branch History & Mission

At River Valley, we are proud to have a rich history rooted in community service and financial empowerment. Established in 1965, our Edmore branch has evolved significantly over the years while staying true to our core mission: to provide accessible and meaningful financial services to our members. Located at 1369 Industrial Park Dr, Edmore, MI 48829, we have become a trusted partner for nearly 10,000 members who rely on us for their banking needs. Since our inception, we have been dedicated to fostering growth not just within our credit union but also throughout the Edmore community. Over the decades, we've seen remarkable milestones, including growing our total assets to an impressive $119,583,170. This growth reflects our commitment to serving our members effectively while maintaining a solid financial foundation. Our mission is clear: we strive to offer personal banking solutions that empower individuals and families. Whether it's checking and savings accounts, auto loans, mortgage options, or business banking services, we aim to make financial well-being attainable for everyone. We also believe in giving back; through partnerships and outreach efforts, we actively support local initiatives that enrich the lives of those in our community. In addition to traditional banking services, we have embraced modern advancements. Our branch features online and mobile banking options for convenience and ease of access. We are also proud of our commitment to ADA compliance, ensuring that all members can utilize our services comfortably. For your convenience, we offer drive-thru banking services from Monday through Friday from 9:00 AM to 5:00 PM and Saturday from 9:00 AM to 12:00 PM. While visiting us at our branch is encouraged, please note that official correspondence should be sent to PO Box 500, Edmore, MI 48829 if you choose to reach out by mail. At River Valley, we invite everyone in the Edmore area to join us on this journey toward financial success. Experience firsthand the benefits of being a member of a credit union that truly cares about your needs. Together, let's build a stronger community! For more information or to learn about how you can become part of the River Valley family, feel free to contact us at 989-427-5621 or visit us online at River Valley.

Branch Location & Accessibility

Accessibility and Convenience

Accessibility is important to us! Our location features ample parking spaces and ADA-compliant facilities, ensuring that all members can easily access our services. If you're in a hurry or prefer the convenience of not stepping inside, take advantage of our drive-thru banking service. It allows you to complete basic transactions like deposits and withdrawals from the comfort of your vehicle.

Connect With Us Today!

Have questions or want to know more? Don't hesitate to reach out! You can call us at 989-427-5621 for friendly assistance or simply drop by during our operating hours. We look forward to welcoming you at River Valley your trusted partner in financial success!

Discovering Our Location

Nestled in Montcalm County, our Edmore branch is easy to find and surrounded by familiar landmarks that make your visit even more pleasant. We're just a short drive from the heart of Edmore, making us an ideal stop for both residents and visitors alike. While members can visit us at our branch address, official correspondence should be sent to PO Box 500, Edmore, MI 48829.

Operating Hours That Fit Your Schedule

At River Valley, we understand that life can be busy. That's why we offer flexible operating hours to accommodate your schedule. Our lobby is open Monday through Friday from 9:00 AM to 5:00 PM, and on Saturdays from 9:00 AM until noon. Whether you're coming in before work or on the weekend, we're here for you.

Services Tailored For You

We take pride in offering a range of services designed to meet your banking needs. From personal checking and savings accounts to auto loans and credit cards with rewards, we have something for everyone. Plus, if you're a member of another participating credit union, you can also utilize our shared service center for basic transactions.

Member Eligibility

Joining the River Valley community is a wonderful opportunity for those looking to enhance their financial journey. To become a member of River Valley, you'll find that eligibility is welcoming and straightforward. If you live, work, worship, or attend school in the Montcalm County area, you're likely eligible to join us! We believe everyone deserves access to quality financial services and support. Membership comes with fantastic benefits, such as personalized banking solutions, competitive loan rates, and a friendly team ready to assist you every step of the way. Ready to take the next step? Opening an account at River Valley is simple and can be done in just a few easy steps. Feel free to reach out to us at 989-427-5621 for any questions or visit our website for more detailed information about eligibility criteria at . We can't wait to welcome you into our family at 1369 Industrial Park Dr, Edmore, MI 48829!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $1 in non-member commercial loans, providing flexible financing solutions. Whether you're looking to expand your operations or purchase new equipment, our tailored loan options can empower you to take the next step confidently.

Merchant Services

In addition to loans, we offer merchant services that make transactions easier for you and your customers. Imagine having a reliable payment processing system that allows you to accept various payment methods seamlessly. This not only enhances customer satisfaction but also streamlines your cash flow management. Visit us at 1369 Industrial Park Dr Edmore Mi 48829 in Edmore, MI, or give us a call at (989) 427-5621 to learn more about how our business banking solutions can help you thrive!

Comprehensive List Of Services

Accessible Transactions

Our branch at 1369 Industrial Park Dr Edmore MI 48829 also provides essential banking services like ATM & Cash Withdrawal Services. While we currently don't have an ATM on-site, our Basic Drive-Thru Banking allows for quick deposits and withdrawals without leaving your vehicle. Additionally, members of partner credit unions can take advantage of our Basic Shared Branch Transactions, making banking easier wherever you go. At River Valley, we're dedicated to meeting all your banking needs under one roof while ensuring an enjoyable experience every step of the way. If you're interested in learning more about how we can assist you with any of these services or if you have questions about opening an account, please don't hesitate to reach out! You can contact us at 989-427-5621, and our friendly team will be happy to help. Explore all that River Valley has to offer today! Visit us online at River Valley Credit Union for more information.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking features. You can manage your accounts anytime, anywhere, ensuring that you're always in control of your finances. Whether it's checking balances, transferring funds, or paying bills on-the-go, we've got you covered.

Financing Your Dreams

Need a new car or considering homeownership? Our Auto Loans & Vehicle Financing provide competitive rates to help you get behind the wheel of your dream car without breaking the bank. For those looking to settle into a new home, our Mortgage Loans & Refinancing services can make the process smooth and affordable. Picture yourself moving into that perfect house with manageable monthly payments! If you're facing unexpected expenses or want to consolidate existing debts, our Personal Loans & Debt Consolidation options are designed for flexibility and ease. Plus, with our Credit Cards with Rewards, you can earn while you spend making every purchase work for you.

Personal Banking Made Easy

When it comes to managing your day-to-day finances, our Personal Banking options offer a variety of solutions. You can choose from Checking & Savings Accounts tailored to help you reach your savings goals or manage your spending efficiently. Imagine having the ability to track your expenses and grow your savings effortlessly!

Supporting Local Businesses

For local entrepreneurs, we offer specialized services under Business Banking that include Merchant Services & Business Loans. We understand the challenges small businesses face and are here to support you in achieving your business goals.

Digital & Online Banking

Accessibility and Support

While we don't currently offer mobile payment options, our other features ensure that you have all the tools necessary for effective account management. Our friendly team is always here to help if you have questions or need support while using our digital services. With River Valley, banking is no longer confined to traditional hours or locations. Experience the freedom and flexibility that comes with our comprehensive digital and online banking solutions today!

Key Features

Our online banking service is available 24/7, giving you real-time access to your accounts whenever you need it. Whether you're checking your balance, transferring funds, or paying bills, our secure portal ensures that your information is protected. You can also enjoy the convenience of e-statements, which provide an eco-friendly way to stay on top of your finances without cluttering your inbox. If you prefer managing your banking on mobile devices, you'll love our mobile application. It's designed for ease of use, allowing you to perform tasks like person-to-person transfers with just a few taps. Plus, with electronic signature authorization available, signing documents has never been simpler or more secure.

Financial Strength

Growing Trust

Total Share Accounts stand at 22,898, showcasing a strong and growing member base that trusts us with their finances. Our Net Shares available for lending and investments amount to $917,992, further highlighting our commitment to meeting your needs. 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 1369 Industrial Park Dr Edmore Mi 48829 or call 989-427-5621 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 net income of $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 and committed team.

Reinvestment for Growth

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 $30,140,066 in total auto loans and $75,958,479 in total loans and leases.

Solid Foundation

With a net worth of $13,481,216, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 11.27% 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 totaling $7,379,331 in new vehicle loans and $30,426,990 in used vehicle loans. Whether you're purchasing a brand-new model or a reliable pre-owned car, our team is here to assist you through the process.

Credit Lines and Refinancing Options

In addition to these great products, we have credit lines available totaling $32,000,000, which can be an excellent tool for budgeting and managing cash flow. If you're interested in refinancing any existing loans or exploring eligibility options for our various products, feel free to reach out to our team for personalized assistance. Our commitment is to provide quality service while ensuring transparency throughout your lending experience. For performance insights and financial data related to our services, visit the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. If you're ready to take the next step towards better financial health or need assistance finding the perfect loan product for your situation, don't hesitate to contact us at River Valley today!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer various loan types including Junior Lien 1-4 Family Residential Properties loans totaling $5,498,970. Our experienced staff will guide you through every step of the mortgage process to ensure that you find the right solution for your needs.

Unsecured Credit Card Loans

Managing everyday expenses can be challenging. 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. This option provides convenience and flexibility for those looking to make purchases without the burden of collateral.

Loan Aggregator

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River Valley