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

Introduction

Welcome to River Valley, your trusted financial partner located at 2500 W Main St, Lowell, MI 49331. Since our establishment in 1965, we have dedicated ourselves to serving our community with personalized banking solutions tailored to meet the unique needs of our members. With a total membership of 9,699 and assets amounting to an impressive $119,583,170, we pride ourselves on being a member-focused credit union that puts you first. At River Valley, we understand the importance of financial stability and growth. That's why we offer a variety of services including personal banking, auto loans, mortgages, and business financing options. Our total deposits stand at $7,241,939, reflecting the trust our members place in us. With a solid net worth of $13,481,216 and cash in hand reaching $1,059,422, we're well-equipped to support your financial journey. While you can visit us directly at our branch for all your banking needs, please note that official correspondence should be sent to our mailing address: PO Box 160, Lowell, MI 49331. Our friendly staff is here to help you navigate your financial goals with expertise and care. Under the leadership of CEO Janelle Franke and Board President Kurt Hansen, our team of 31 employees is committed to providing exceptional service. Whether you're looking for assistance with loans or simply want to explore your savings options, we're here for you. Feel free to call us at 616-897-0564 or visit our website at www.myrivervalleycu.org for more information. Join us today and experience the difference that comes from being part of a credit union that truly cares about its members!

Branch History & Mission

Welcome to River Valley, a credit union with a rich history and a strong commitment to the community in Lowell, Michigan. Founded in 1965, we have proudly served our members for over five decades. Our branch is located at 2500 W Main St, Lowell, MI 49331, a convenient spot for local residents and businesses alike. From our humble beginnings, River Valley has grown significantly, now boasting a membership of nearly 9,700 individuals who trust us with their financial needs. Over the years, we have expanded our services and offerings to include personal banking, auto loans, mortgages, credit cards with rewards, and business banking solutions. Today, we manage total assets of approximately $119 million, a testament to the trust our members place in us. Our mission is simple yet impactful: to provide accessible financial services while fostering community support and engagement. We believe that by focusing on our members' needs and investing in local initiatives, we can create a stronger community for everyone. Our team is dedicated to ensuring that every member feels valued and supported throughout their financial journey. At River Valley, we understand the importance of modern banking conveniences. That's why we offer online banking and mobile applications for easy access to your accounts anytime. Additionally, our branch features an ATM and drive-thru services for quick transactions. We are also proud to be ADA compliant, ensuring that all members can access our facilities comfortably. While members can visit us at 2500 W Main St, official correspondence should be sent to PO Box 160, Lowell, MI 49331 if different from the branch address. Our operating hours are as follows: Monday, Tuesday, Wednesday, and Friday from 9:00 AM to 5:00 PM; Thursday from 9:00 AM to 6:00 PM; and Saturday from 9:00 AM to 12:00 PM (drive-thru only). As part of our commitment to community outreach, we partner with various local organizations to support initiatives that matter most to our members. We believe in giving back because when our community thrives, so do we. Join us at River Valley and experience the difference that comes from being part of a credit union that genuinely cares about its members and the community. For more information or to become a member today, call us at 616-897-0564 or visit our website at www.rivervalleycu.org. Together, let's build a brighter financial future!

Branch Location & Accessibility

Call Us Anytime!

Have questions? Feel free to give us a call at 616-897-0564! We're always here to help you make the most of your banking experience. So why wait? Come visit us today at River Valley in Lowell where community meets convenience!

Convenient Access and Parking

At River Valley, we prioritize accessibility for all our members. Our branch features ADA-compliant facilities, ensuring that everyone can easily navigate their way through our space. There's ample parking available right outside, so you won't have to worry about finding a spot when you visit.

Operating Hours Tailored for You

We understand that life can get busy! That's why our operating hours are designed to fit your schedule. We're open Monday, Tuesday, Wednesday, and Friday from 9 AM to 5 PM, with extended hours on Thursday until 6 PM. Need us on Saturday? We've got you covered with drive-thru service from 9 AM until noon.

Services and Amenities

River Valley isn't just about convenience; we offer a full suite of services tailored to meet your financial needs. Whether you're looking to open a checking account, secure an auto loan, or explore mortgage options, our friendly team is ready to assist you. Plus, with ATM availability and drive-thru banking for quick transactions like deposits and withdrawals, managing your finances has never been easier.

Member Eligibility

Becoming a member of River Valley is like joining a close-knit family where your financial well-being is our top priority. At our branch located at 2500 W Main St Lowell Mi 49331, we welcome individuals who live, work, or worship in the community. It's easy to see why so many people choose us when you join River Valley, you gain access to personalized banking services tailored to fit your unique needs. Whether you're looking for checking and savings accounts, auto loans, or even credit cards with rewards, we're here to support you every step of the way. If you're interested in becoming a member, just reach out! You can give us a call at (616) 897-0564 for any questions you may have or visit our website at for detailed eligibility information. We believe everyone deserves a chance to be part of something special, and we're excited to help you start your journey with us at River Valley.

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'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. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Managing transactions smoothly is crucial for any business owner. Our merchant services make it easy to accept payments, track sales, and manage customer relationships all in one place. Imagine seamlessly processing payments while focusing on what you do best running your business. Located at 2500 W Main St Lowell Mi 49331, Lowell, MI, we're here to partner with you every step of the way. For more information about our business banking services, give us a call at (616) 897-0564 or visit our website here. Let's grow together!

Comprehensive List Of Services

Business Banking Services

For business owners, our Business Banking services include merchant services and business loans designed to support your entrepreneurial journey. We know how important it is for businesses to thrive; that's why we offer tailored solutions to help your business grow.

Convenient Access

Accessing your money should be easy and efficient. At River Valley, we provide ATM & Cash Withdrawal Services, along with basic drive-thru banking options for quick deposits, withdrawals, and simple transactions. And if you're a member of a partner credit union, feel free to utilize our shared branch transactions as well. In today's fast-paced world, having reliable digital banking features is crucial. Our Online & Mobile Banking platforms allow you to perform transactions conveniently from the comfort of your home or on the go whether it's transferring funds or checking balances. We invite you to visit us at River Valley in Lowell or give us a call at 616-897-0564 for any inquiries regarding our services. Your financial journey matters to us, and we're committed to helping you achieve your goals!

Home Financing

Homeownership is within reach with our Mortgage Loans & Refinancing services. Whether you're buying your first home or refinancing an existing mortgage for better terms, our friendly team is ready to guide you through each stage. Let us help turn the key to your new front door!

Personal Banking Solutions

For those looking to manage their finances effectively, we offer Personal Banking services that include checking and savings accounts tailored to fit your lifestyle. Imagine having a checking account that allows you easy access to your funds while earning interest on your savings. With us, you can enjoy straightforward online and mobile banking features that let you monitor your accounts anytime, anywhere.

Personal Loans and Credit Options

We also offer Personal Loans & Debt Consolidation solutions for those times when unexpected expenses arise or when consolidating debt makes financial sense. Our credit cards come with rewards that can benefit you with cash back or travel perks. It's all about making banking work in your favor.

Vehicle Financing

If you're in the market for a new vehicle, our Auto Loans & Vehicle Financing options can make that dream car more attainable. We understand that purchasing a car is a significant investment, so we provide competitive rates and flexible terms to suit various budgets. Picture yourself driving off in your new ride without worrying about complicated financing processes.

Digital & Online Banking

Key Services

With just a few clicks at https://www.rivervalleycu.org/, you can take advantage of our online banking features. This includes the ability to view your balances, transfer funds, and pay bills all from the comfort of your home or on the go. Plus, with electronic signature authorization available, signing documents is as simple as a click away. For those who prefer to go paperless, we provide e-statements that let you access your financial records anytime. This not only helps you stay organized but also contributes to a greener planet by reducing paper waste.

Mobile Application & Payments

Our mobile application makes banking even easier. Whether you're checking your account on the bus or transferring money while waiting in line, our app gives you access to your finances right at your fingertips. While mobile payments are not currently offered, we do provide person-to-person transfers, allowing you to send money quickly and securely to friends or family directly from your account.

Security & Accessibility

Your security is our priority. We implement robust measures to ensure that your personal information remains safe while using our digital services. Plus, with 24/7 online banking availability, you can manage your accounts whenever it suits you day or night. At River Valley, we're committed to providing you with accessible and easy-to-use tools for all your banking needs. Experience the convenience of modern banking today!

Financial Strength

At River Valley, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share our strong financial position with you, ensuring that your money is safe and well-managed. 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. 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. 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 robust lending capacity is evident with $15,506,990 in used auto loans and a total of $75,958,479 in loans and leases supporting members' financial goals across various sectors. Our operational efficiency is reflected in our net income of $599,349, 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. Net Shares (funds available for lending and investments) stand at $917,992, while the total number of share accounts reflects a strong membership base with 22,898 accounts trusting us with their finances. 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 2500 W Main St Lowell MI 49331 or call us at 616-897-0564 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $30,426,990 in used vehicle loans and $7,379,331 in new vehicle loans already helping members get on the road. Whether you're purchasing a brand-new vehicle or a reliable used one, our team is here to guide you through the process.

Business Financing

For business owners, our outstanding commercial loans provide the capital needed to grow and expand. We are committed to supporting local businesses by offering tailored financing solutions that fit your unique needs. If you're considering refinancing or want to know about eligibility options for any of our loan products, please reach out to us at 616-897-0564. Our knowledgeable staff is ready to assist you and ensure you find the best financial solution for your situation. At River Valley in Lowell, MI located at 2500 W Main St, we pride ourselves on being more than just a lender; we're your partner in achieving financial stability and success. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Explore all our offerings today and see how we can assist you!

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. These cards provide an excellent way to handle everyday purchases while earning rewards for your spending.

Mortgage Options

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $5,498,970, make buying or refinancing simple. We offer competitive rates and terms that can help you secure the home of your dreams.

Loan Aggregator

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River Valley