River Valley Credit Union West Carrollton OH | Affordable Auto Loans & Business Banking

Introduction

At River Valley, we believe in the power of community and trust. Located at 2094 S Alex Rd, West Carrollton, OH 45449, our branch has been serving members since 1949. As a proud member of the local community, we are committed to supporting your financial journey with personalized services tailored just for you. With a total membership of 25,792, we have built a strong foundation based on trust and reliability. Our assets have grown to an impressive $473,080,806, reflecting our commitment to sound financial practices and member-focused services. We understand that each member's needs are unique; that's why we offer various services including personal banking, auto loans, mortgage financing, credit cards with rewards, and business banking options. While members can visit us at our branch location, official correspondence should be sent to 505 Earl Blvd, Miamisburg, OH 45342. Our dedicated team is here to assist you with your inquiries or transactions feel free to reach us at 937-859-6260. Led by CEO Lee Spivey and Board President Daniel Gorman, our team is passionate about creating a welcoming environment where your financial goals can thrive. With 83 employees working hard behind the scenes, we strive to provide exceptional service every day. In addition to being a trusted financial partner, River Valley has also made significant contributions to the community. With total deposits reaching $24,704,077 and cash in hand amounting to $6,074,670, we ensure that your money is secure while actively supporting local initiatives. Whether you're looking for ways to save for the future or need assistance with loans our team is here for you every step of the way. Visit us today or give us a call! Let's start building a brighter financial future together!

Branch History & Mission

Member-Centric Services

We understand that in today's fast-paced world, convenience is key. That's why we offer modern digital solutions such as online banking and mobile payments alongside traditional services like drive-thru banking and ATM availability. Our branch is fully ADA compliant, ensuring accessibility for all community members. If you're looking for a place where you can feel valued as part of a family-oriented team dedicated to your success look no further than River Valley. Join us today and experience firsthand how we can assist you on your financial journey! For more information or questions about membership, feel free to reach out at 937-859-6260 or visit our website at River Valley. Together, let's build a brighter future!

Our Journey

Our journey began in the post-war era when a group of visionaries recognized the need for accessible financial services tailored to the community's unique needs. Over the years, we have expanded our offerings and resources, now boasting total assets of $473,080,806. This growth reflects our commitment to providing exceptional service while maintaining a strong foundation for our members' financial futures. From our humble beginnings to becoming a leader in personal and business banking, River Valley has continuously adapted to meet the changing landscape of financial services. We offer various products such as checking and savings accounts, auto loans, mortgages, and credit cards with rewards each designed to empower our members and help them achieve their dreams.

Our Mission

At River Valley, our mission is simple yet powerful: to improve the financial well-being of our members while actively contributing to our community's growth. We believe that everyone deserves access to reliable financial services that can help them thrive. That's why we focus not only on providing competitive rates but also on fostering relationships built on trust and support. Our commitment extends beyond just banking. We take pride in being active participants in local initiatives and partnerships that uplift those around us. Whether through educational workshops or community outreach programs, we strive to make a positive impact in West Carrollton and beyond. While members can visit us at 2094 S Alex Rd for all their banking needs, official correspondence should be sent to our mailing address at 505 Earl Blvd, Miamisburg, OH 45342.

Branch Location & Accessibility

Accessibility and Parking

Our location offers plenty of parking spaces, so you won't have to worry about finding a spot when you visit us. We also ensure that our facilities are accessible for everyone, including those with mobility challenges. Ramps and ADA-compliant features are in place to make your experience comfortable.

Connect With Us

Have questions or need assistance? Don't hesitate to reach out! Give us a call at (937) 859-6260. We look forward to welcoming you into the River Valley family! Visit us today and discover how we can help you achieve your financial goals.

Operating Hours

We understand that life can be busy, which is why our lobby is open Monday through Friday from 9:00 AM to 5:00 PM. For those quick errands on Saturdays, our drive-thru service operates from 9:00 AM until noon. Whether you're looking to manage your accounts or discuss loan options, we're here during convenient hours that fit into your schedule.

Services Offered

At River Valley, we offer a wide range of services designed to meet your personal and business banking needs. From checking and savings accounts to auto loans and mortgages, our friendly team is ready to assist you. Plus, enjoy the convenience of ATM access for quick cash withdrawals and balance checks right at your fingertips. If you're looking for shared services as well, you're in luck! We provide basic shared branch transactions so members of partner credit unions can also benefit from what we offer. While members can visit us at 2094 S Alex Rd West Carrollton Oh 45449, official correspondence should be sent to our mailing address at 505 Earl Blvd, Miamisburg, OH 45342.

Member Eligibility

Becoming a member of River Valley feels like joining a caring family where your financial needs come first. If you're looking to be part of our community, you'll be glad to know that membership is open to those who live, work, or worship in the West Carrollton area, as well as their immediate family members. This means that if you call this vibrant community home or have loved ones who do, you're already on your way to enjoying the benefits we offer. At River Valley, we pride ourselves on providing personalized service and a range of financial products designed just for you, from checking accounts to auto loans. The process to become a member is straightforward and welcoming. Simply visit us at our location at 2094 S Alex Rd West Carrollton Oh 45449 or give us a call at (937) 859-6260 for any questions you might have about opening an account. For more detailed information on eligibility criteria, feel free to check out our website at . We're excited to have you join us and look forward to helping you achieve your financial goals!

Business Banking & Commercial Services

Merchant Services That Work for You

Imagine being able to accept payments easily from customers at any time. Our merchant services allow you to do just that, making transactions smooth and efficient. Whether you run a local shop or manage a service-based business, our tools help you focus on what matters most growing your business. Located conveniently at 2094 S Alex Rd, West Carrollton, OH 45449, we're here to help you navigate your business financial needs. Reach us at 937-859-6260 and let's take your business to new heights together!

Tailored Loan Options

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.

Comprehensive List Of Services

Credit Cards and Business Banking

Our credit cards with rewards give you the chance to earn points on everyday purchases while enjoying the security and convenience of credit. It's an excellent way to manage expenses while reaping benefits. For small business owners, River Valley offers robust business banking services, including merchant services and business loans. We understand how important it is for businesses to have access to funds when they need them most, and we're here to support your growth.

Digital Banking Made Easy

In today's fast-paced world, convenience is key. That's why our online and mobile banking platforms allow you to manage your accounts from anywhere at any time. You can check balances, transfer funds, pay bills, or even send money directly through person-to-person payments all from your smartphone or computer. Additionally, if you need cash on-the-go, we provide ATM and cash withdrawal services along with basic drive-thru banking for deposits and withdrawals. For members of partner credit unions, our shared branch transactions make it easy to access funds without having to visit multiple locations.

Get Started Today

We invite you to explore all these services and more at River Valley in West Carrollton. Our dedicated team is eager to assist you in reaching your financial goals with personalized support tailored just for you. Don't hesitate call us today at 937-859-6260 or visit our website at River Valley for more information on how we can serve you!

Personal Banking Solutions

For those looking to simplify their personal finances, we offer checking and savings accounts designed to help you save while enjoying easy access to your money. Imagine having a checking account that not only meets your daily spending needs but also rewards you with interest this is just one way we support your financial journey. If you're considering purchasing a new vehicle, our auto loans and vehicle financing options can help make that dream car a reality. We understand that buying a car can be overwhelming, which is why our team is ready to guide you through every step of the process. When it comes to homeownership, our mortgage loans and refinancing options are here to assist you in finding the right fit for your budget. Whether you're buying your first home or refinancing an existing mortgage, we provide personalized service to ensure you feel confident in your decision. If life throws unexpected expenses your way, our personal loans and debt consolidation services can help ease that burden. With flexible terms and competitive rates, we aim to provide solutions that fit your lifestyle.

Digital & Online Banking

Key Services Available

Our online banking platform at https://www.rivervalleycu.org/ allows you to keep track of your finances in real-time. Whether you want to check your balance, transfer funds, or pay bills, everything is just a click away. Plus, with our 24/7 online banking services, you're never far from your money. Security is a top priority for us. We utilize advanced encryption technologies and provide electronic signature authorization for a secure and hassle-free experience when signing documents online. You can rest easy knowing that your information is protected. For those who prefer the convenience of mobile banking, our mobile application makes it easier than ever to manage your accounts on the go. You can enjoy features like mobile payments, allowing you to make purchases directly from your phone without the need for cash or cards. If you need to send money to friends or family quickly, our person-to-person transfers feature has got you covered no more waiting around for checks to clear. We also offer e-statements for those looking to reduce paper clutter while keeping their financial records organized. With digital statements available at your fingertips, tracking your spending has never been simpler. Join us at River Valley where convenience meets security. Take advantage of our modern banking solutions today!

Financial Strength

Growing Membership Base

We have a strong community presence with a total of 51,733 share accounts, showing a growing member base that trusts us with their finances. Our net shares available for lending stand at $654,847, demonstrating our commitment to facilitating your financial 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 2094 S Alex Rd West Carrollton OH 45449 or call 937-859-6260 to learn more about how we can help you achieve your financial goals.

Investing Back into Our Community

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. We have provided $61,630,000 in used auto loans and manage a total of $364,215,358 in loans and leases, supporting our members' financial goals across various sectors.

Operational Efficiency

Our net income of $2,690,497 reflects our operational efficiency. This enables 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, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

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 Financial Health

With a net worth of $52,487,623, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 11.09% 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 $113,368,838 in used vehicle loans and $88,573,916 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive interest rates that make it easier for you to drive away in your desired vehicle.

Business Financing

For business owners, our outstanding commercial loans totaling $25,089,732 provide the capital needed to grow and expand your business operations. We understand the unique challenges businesses face and strive to offer tailored solutions that support your success. At River Valley, we're committed to providing exceptional service and support throughout your borrowing experience. If you're considering refinancing or exploring eligibility options for any of our loan products, please don't hesitate to reach out. For more information about our services or to discuss which loan option is right for you, feel free to contact us at 937-859-6260 or visit us at 2094 S Alex Rd West Carrollton OH 45449. 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 navigate your financial journey with confidence!

Credit Cards and Personal Loans

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. Our personal loans can be used for various purposes such as debt consolidation or unexpected expenses.

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. Whether you're purchasing your first home or looking to refinance an existing mortgage, we are here to guide you through every step of the process.

Loan Aggregator

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Ensuring Accurate 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 displayed are fair and transparent. By using verified financial institutions, LendMesh gives users confidence in the accuracy of the information they receive.

River Valley