River Valley Credit Union West Carrollton OH | Affordable Vehicle Loans & Quick Personal Loans

Introduction

At River Valley, we pride ourselves on being more than just a financial institution; we are a cornerstone of the West Carrollton community. Established in 1949, our commitment to fostering relationships with our members has allowed us to grow to a vibrant membership base of 25,792 individuals who trust us with their financial needs. Located at 2098 S Alex Rd, West Carrollton, OH 45449, our branch is dedicated to providing personalized service and support tailored to each member's journey. As part of the larger River Valley Credit Union, which boasts total assets of over $473 million, we offer a wide range of services, from personal banking solutions like checking and savings accounts to auto loans and business financing options. Our goal is simple: to help you achieve your financial dreams while ensuring you feel valued every step of the way. Our dedicated team, led by CEO Lee Spivey and Board President Daniel Gorman, consists of 83 employees who are always ready to assist you. With total deposits amounting to $24,704,077 and a net worth of $52,487,623, we are proud to maintain financial stability and security for all our members. While members can visit us at our branch location for in-person assistance during our operating hours from 9:00 AM - 5:00 PM Monday through Friday, official correspondence can be sent to the same address for convenience. Whether you're looking for an auto loan or planning for your future with mortgage options, River Valley is here to guide you. Explore how we can help you today by visiting us online at River Valley Credit Union or give us a call at 937-859-6260. Your journey towards financial success starts here!

Branch History & Mission

At River Valley, our story began in 1949, when we opened our doors to the community of West Carrollton, Ohio. Over the decades, we have grown from a small credit union into a trusted financial institution serving over 25,792 members. Our branch, located at 2098 S Alex Rd, West Carrollton, OH 45449, stands as a testament to our commitment to providing exceptional financial services and support to our community. Our mission is straightforward yet powerful: to empower our members through personalized banking solutions while fostering a sense of community and belonging. We understand that each member's financial journey is unique, which is why we offer a range of services tailored to meet individual needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we strive to help our members achieve their financial goals. As we evolved over the years, we embraced advancements in technology without losing sight of our core values. Today, we proudly offer online and mobile banking services that make managing finances convenient and accessible for everyone. With features such as electronic signatures and person-to-person payment options, we ensure that our members can bank with ease. Our dedication extends beyond traditional banking services. River Valley actively participates in community outreach programs and partnerships aimed at enhancing the lives of those around us. We believe in giving back and supporting local initiatives that uplift our community. While members can visit us at our physical location on S Alex Rd, official correspondence should be sent to the same address for consistency. Our friendly staff is available Monday through Friday from 9:00 AM to 5:00 PM to assist with any inquiries or services you may need. As we look towards the future, we invite you to join the River Valley family. Experience firsthand how our focus on service, support, and community makes us more than just a credit union; we're your partner in building a brighter financial future. Give us a call at 937-859-6260 or visit our website at River Valley Credit Union to learn more about becoming a member today!

Branch Location & Accessibility

Accessible Banking

At River Valley, we prioritize accessibility for all our members. Our branch meets ADA standards, featuring ramps and other accommodations to ensure everyone can access our services comfortably.

Convenient Location

You'll find us close to local landmarks that make our location easy to spot. Whether you're running errands or just passing through the area, we are right off the main road, ensuring that your visit is quick and hassle-free. Ample parking is available, so you won't have to worry about finding a spot when you arrive.

Get in Touch

While we don't currently offer ATM services or drive-thru banking at this location, our staff is always available to help you with any questions or banking needs you may have. Don't hesitate to give us a call at 937-859-6260 if you want more information or need assistance before visiting. We invite you to come by and discover how River Valley can support your financial journey!

Operating Hours

We are open Monday through Friday from 9:00 AM to 5:00 PM, making it convenient for you to stop by before or after work or during your lunch break. Our dedicated team is ready to assist you with personal banking needs including checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and more.

Member Eligibility

At River Valley, we believe that everyone deserves a chance to be part of a welcoming community focused on financial well-being. Becoming a member is simple and inclusive! If you live, work, worship, or attend school in the area surrounding our branch at 2098 S Alex Rd West Carrollton Oh 45449, you're already eligible to join us. We're excited to offer you access to various financial products and services that can help you reach your goals, whether it's saving for a dream vacation or financing your first home. To get started, just give us a call at (937) 859-6260 or visit our website for more details on how to open an account. We're here to guide you through every step of the process and answer any questions you might have along the way. For the most current eligibility criteria and information, feel free to check out this resource: . Join us today and experience the supportive environment at River Valley!

Business Banking & Commercial Services

Merchant Services That Work for You

Managing transactions should be hassle-free. Our merchant services simplify payment processing so you can focus on what matters most growing your business. Imagine having the ability to accept payments seamlessly from customers, whether they're shopping online or in-store. This convenience not only enhances customer satisfaction but also boosts your sales potential. Located at 2098 S Alex Rd, West Carrollton, OH 45449, we're here to help you navigate the financial landscape with confidence. Reach out to us at 937-859-6260 during our operating hours of 9:00 AM - 5:00 PM Monday through Friday to learn more about how we can assist your business in achieving its goals.

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

Accessibility

While we currently do not have ATM or drive-thru services available at this branch, our team is dedicated to ensuring that all members receive personalized service during our lobby hours from 9:00 AM to 5:00 PM Monday through Friday. Should you have any questions about accessing our services or need assistance, don't hesitate to call us at 937-859-6260. At River Valley, we're committed to providing comprehensive financial services tailored just for you. Visit us today or explore more about what we offer online at River Valley Credit Union. Let us help you achieve your financial goals!

Business Banking

If you're a business owner, we haven't forgotten about you. Our business banking services include merchant services and business loans designed to support your company's growth. We understand the challenges small businesses face and aim to provide reliable financial solutions that cater specifically to your needs.

Credit Options

Our credit cards with rewards provide great benefits for everyday purchases while helping you build credit responsibly. Imagine earning rewards on groceries or gas simply by using your card it's that easy!

Digital Banking Convenience

In today's fast-paced world, having access to your finances at your fingertips is crucial. That's why we offer online and mobile banking services that allow you to manage your accounts anytime, anywhere. With features like mobile payments and person-to-person transfers, handling your finances has never been more convenient.

Personal Banking

Whether you're looking to open a checking or savings account, we have options that suit your lifestyle. Our accounts come with features designed for easy management, helping you keep track of your finances without stress. If you're planning to buy a new car or need help financing an existing vehicle, our auto loans and vehicle financing can help you get behind the wheel quickly and affordably. With competitive rates and flexible terms, we make the process straightforward. When it comes to securing your dream home, our mortgage loans and refinancing options are here to guide you every step of the way. We understand that buying a house is one of the biggest decisions you'll ever make, so we ensure that our mortgage solutions are clear and manageable. For those looking to consolidate debt or cover unexpected expenses, our personal loans offer quick access to funds when you need them most.

Digital & Online Banking

At River Valley, we know that convenience and security are key when it comes to managing your finances. That's why we offer a robust suite of digital and online banking services designed to make your life easier. Whether you're at home or on the go, our platform ensures you have everything you need right at your fingertips. With our online banking services, you can access your accounts anytime, anywhere. Check balances, pay bills, and transfer money with just a few clicks. Plus, our 24/7 online banking means you're never locked out of your finances. Need to send money to a friend? Our person-to-person transfer feature makes it quick and easy just another way we put you in control. For those who prefer mobile banking, our mobile application is available for download, bringing all the power of online banking directly to your smartphone. You can even make mobile payments no need to carry cash or cards! It's all about providing you with choices that fit your lifestyle. Security is always a priority at River Valley. We offer electronic signature authorization for transactions, so you can sign documents securely without the hassle of printing and scanning. Additionally, e-statements are available for members who want to keep their records organized and accessible without the clutter of paper. We believe in making banking simple and stress-free. From real-time account management to user-friendly features, every aspect of our digital services is designed with your needs in mind. Explore all that we have to offer by visiting us online at https://www.rivervalleycu.org/. Your financial journey starts here!

Financial Strength

Growing Member Base

Total Share and Deposit Accounts: 51,733, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $654,847. 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 2098 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.

Member-Centric Savings

Your savings are important to us. 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.

Operational Efficiency

Our operational efficiency is reflected in our impressive $2,690,497, 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, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvesting in 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. Our lending capacity supports your financial goals across various sectors with $6,163 in used auto loans and $364,215,358 in total loans and leases.

Solid Financial 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.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have issued over $113,368,838 in used vehicle loans and $88,573,916 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable used vehicle, we've got options tailored for you.

Business Financing

For business owners looking to expand or improve cash flow, our outstanding commercial loans totaling $25,089,732 provide the capital needed for growth. We understand the unique challenges faced by businesses today and strive to offer solutions that meet those needs.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We provide Junior Lien 1-4 Family Residential Properties loans totaling $16,427,971. With competitive rates and flexible terms, we aim to make the process as straightforward as possible.

Refinancing Options

If you're considering refinancing any existing loans or exploring eligibility options for new ones, we're here to guide you through it all. At River Valley, we prioritize transparency and support throughout your borrowing journey. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. No matter your financial needs or goals be it personal banking solutions like checking and savings accounts or specialized services such as debt consolidation we're committed to serving our community with integrity and care. Visit us today at River Valley; together we can pave the way toward your financial future!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. With a total of $11,166,472 in unsecured credit card loans helping members manage their finances effectively, these cards are perfect for everyday purchases without tying up collateral.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures 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 every loan offer you see is fair and transparent. You can trust that the information you are receiving reflects the most current market conditions.

River Valley