River Valley Credit Union Miamisburg OH

Introduction

Welcome to River Valley, your trusted partner in financial wellness located at 505 Earl Blvd, Miamisburg, OH 45342. With a rich history dating back to 1949, we have proudly served our community for over seven decades, building strong relationships with our 25,792 members. Our commitment to providing personalized financial services is reflected in our substantial assets of $473,080,806 and total deposits of $24,704,077. At River Valley, we understand that every member has unique needs. That's why we offer a wide range of services designed to help you achieve your financial goals. Whether you're looking for loans of which we currently have 18,626 approved or simply want to manage your savings more effectively, we're here for you. Our team of dedicated professionals includes 83 employees, led by CEO Lee Spivey and Board President Daniel Gorman. Together, they ensure that every interaction you have with us is friendly and efficient. We believe in fostering a culture of trust and transparency; that's why you can easily reach us at 937-859-6260 during our operating hours from 8:00 AM to 5:00 PM on weekdays. While members can visit us at our branch address above for their banking needs, any official correspondence should be directed to the same location for consistency. Our aim is not just to offer banking services but also to contribute positively to the community we serve. Join us at River Valley and experience the difference that comes from being part of a credit union that prioritizes its members above all else. Explore our website at https://www.rivervalleycu.org or call us today to learn more about how we can help you thrive financially!

Branch History & Mission

Join Us

As we look toward the future, River Valley remains steadfast in its dedication to providing exceptional service and support for our members. Whether you're looking for a reliable place to save or seeking guidance on your financial journey, we invite you to become part of the River Valley family. Experience firsthand the benefits of being a member of an institution that truly cares about your success and well-being. For more information about joining us or exploring our services further, please call us at 937-859-6260 or visit our website. Together, let's build a brighter future!

Modern Services

While maintaining our deep-rooted values and traditions, River Valley also embraces modern advancements in banking. We offer convenient online banking services and mobile payments so members can manage their finances on the go. Additionally, we're proud of our commitment to accessibility and ADA compliance, ensuring that everyone can benefit from our services. While members can visit us at 505 Earl Blvd for their banking needs during operating hours from 8:00 am to 5:00 pm Monday through Friday, official correspondence should be sent to the same address as our mailing address: 505 Earl Blvd, Miamisburg, OH 45342.

Our Mission

At River Valley, our mission is clear: to empower our members through exceptional financial services and unwavering community support. We strive to create a positive impact by offering various products tailored to meet diverse needs whether it's personal loans, auto financing, or savings accounts. Our team is dedicated to ensuring every member feels valued and understood. In addition to our comprehensive financial offerings, River Valley actively engages in community outreach initiatives. We believe in giving back and supporting local programs that uplift those around us. Our commitment extends beyond just banking; we aim to foster connections that strengthen our community fabric.

Branch Location & Accessibility

Welcome to River Valley, your trusted credit union located at 505 Earl Blvd in the heart of Miamisburg, Ohio. This convenient location makes it easy for members to access all their banking needs. Just a stone's throw away from the bustling downtown area, our branch is nestled near popular spots like Miamisburg's historical sites and local parks, ensuring you can combine errands with leisure. While our physical address is 505 Earl Blvd, for any official correspondence, please use the same mailing address. Our branch is designed with accessibility in mind, featuring ADA-compliant entrances and parking options that cater to all our members. We're open Monday through Friday from 8:00 AM to 5:00 PM, making it simple for you to stop by before or after work. Although we don't have ATM services or a drive-thru at this location, our friendly staff is always ready to assist you inside the branch. Feel free to reach us at 937-859-6260 if you have any questions or need assistance. We invite you to visit us soon and experience how River Valley can serve your financial needs!

Member Eligibility

At River Valley, we believe that becoming a member means joining a warm and welcoming community where your financial goals are supported every step of the way. If you're looking to become a part of our family, you'll find that eligibility is straightforward and inclusive. We welcome individuals who live, work, or worship in our local area, as well as those who have family members already with us. This means that whether you're just starting out on your financial journey or looking to enhance your existing plans, there's a place for you here at River Valley. To learn more about the specific eligibility requirements, feel free to check out our detailed guide here. Once you know you're eligible, opening an account is just a phone call away! You can reach us at (937) 859-6260 during our business hours from 8:00 AM to 5:00 PM, Monday through Friday. We're excited to help you take this important step toward securing your financial future at River Valley, located at 505 Earl Blvd Miamisburg Oh 45342!

Business Banking & Commercial Services

Commercial Loans Tailored for You

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $172 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $62 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $25,089,732, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Make Transactions Easy

Imagine your customers being able to pay quickly and securely while you focus on what matters most running your business. Our merchant services provide user-friendly solutions that streamline transactions, making it easier for you to manage sales and improve customer satisfaction. Located at 505 Earl Blvd Miamisburg Oh 45342 in Miamisburg, OH, our dedicated team is here to assist you from 8:00 AM to 5:00 PM, Monday through Friday. Reach out at (937) 859-6260 and discover how River Valley can be your partner in success!

Comprehensive List Of Services

Call to Action

Ready to explore what River Valley has to offer? Don't hesitate! Contact us today or stop by our branch in Miamisburg for personalized assistance tailored just for you!

Convenience Beyond Banking

We strive to make every interaction with River Valley as convenient as possible. Although we currently focus primarily on ATM services, rest assured that we are continuously looking for ways to enhance our offerings to better serve you in the future. At River Valley, we believe in building lasting relationships with our members and providing support every step of the way. Visit us today or check out our website at www.rivervalleycu.org to learn more about how we can help meet your financial needs.

Everyday Banking Needs

One of the key services available at River Valley is our ATM Services Only. Imagine you're out running errands or enjoying a day at the park and suddenly need cash. Our ATM service ensures you can access your funds quickly and easily, no matter where life takes you. In today's fast-paced world, having easy access to your money is crucial. That's why we also emphasize our digital banking features. With options like online banking and mobile payments, you can manage your accounts from anywhere, at any time. Whether you're checking your balance during lunch or transferring funds on the go, we've got you covered.

Personalized Member Support

We know that sometimes financial questions arise that can't be answered by an app alone. That's where our dedicated team comes into play. You can reach us at 937-859-6260 during our lobby hours from 8:00 AM to 5:00 PM, Monday through Friday. Our friendly staff is always ready to assist you with any inquiries or concerns regarding your banking experience.

Digital & Online Banking

Key Services

Explore the full suite of services available at https://www.rivervalleycu.org/ . Our online banking lets you check balances, pay bills, and transfer funds with just a few clicks. You can also enjoy the benefits of e-statements, which provide a secure way to access your financial information without the clutter of paper statements. For those on the go, our mobile application is a game changer. It not only allows for quick access to your account but also supports mobile payments, making it easy to shop or dine out without carrying cash or cards. Plus, our person-to-person transfer feature means you can send money to friends and family instantly no need for checks or cash!

Security and Accessibility

We prioritize your safety with features like electronic signature authorization, ensuring that all your transactions are secure and protected. Our commitment to security allows you to bank confidently, knowing that your personal information is safeguarded. Whether it's early morning or late at night, our 24/7 online banking services give you the flexibility to manage your finances at a time that works best for you. This means real-time account management is just a click away. In summary, River Valley offers robust digital banking solutions that cater to your lifestyle while keeping security top of mind. Experience convenience like never before visit us today at https://www.rivervalleycu.org/ !

Financial Strength

Operational Efficiency

Our $2,690,497 showcases our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 80 full-time employees and 3 part-time employees. This dedicated team ensures that our branches are always ready to serve you with knowledgeable support.

Reinvestment for Member Benefit

With $45,165,904 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment to your financial well-being is reflected in our lending capacity; we offer $6,163 in used auto loans and have $364,215,358 in total loans and leases available to support your financial goals across various sectors.

Secure Savings Options

Members' savings are secured through $122,351,116 in share certificates and $79,296,720 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Strong Capital Foundation

With a net worth of $52,487,623, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,109 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Trustworthy Member Base

With net shares amounting to $654,847, we have funds available for lending and investments that further enhance our ability to meet your needs. Additionally, total share accounts stand at 51,733, demonstrating a strong and growing member base that trusts 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 505 Earl Blvd Miamisburg Oh 45342 or call (937) 859-6260 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $113,368,838 in used vehicle loans and $88,573,916 in new vehicle loans already helping members get on the road. We offer flexible terms to fit your budget and refinancing options if you're looking to lower your current payments.

Commercial Loans

For business owners, our outstanding commercial loans totaling $25,089,732 provide the capital needed to grow and expand your operations. Whether you're starting a new venture or looking to upgrade your facilities, we can assist with tailored solutions that suit your business needs. At River Valley in Miamisburg (505 Earl Blvd), we're here to support you at every turn. Reach out to us at 937-859-6260 during our operating hours from 8:00 AM to 5:00 PM Monday through Friday for any questions about our loan products or eligibility requirements. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let us help you achieve your financial aspirations today!

Credit Lines

Need extra funds for unexpected expenses or projects? Our total credit lines amount to $103,316,283, providing you with peace of mind knowing that additional funds are available when you need them most.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $16,427,971, make buying or refinancing simple. We guide you through each step of the process so you can feel confident in your investment.

Unsecured Credit Card Loans

Managing daily expenses? We also offer flexible terms on unsecured credit card loans, with a total of $11,166,472 in loans helping members manage their finances effectively. These cards are perfect for those who want to build credit or cover unexpected costs without the need for collateral.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Loan Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This ensures that all offers are fair and transparent. Each loan listing reflects real-time information, allowing users to compare options confidently.

RIVER VALLEY CREDIT UNION