RURAL COOPERATIVES CREDIT UNION

Welcome to Rural Cooperatives, your trusted credit union located at 13246 State Route 176, Drakesboro, KY 42337. Established in 1964, we have proudly served our community for nearly six decades, fostering financial growth and stability for our members. With a total membership of 3,357 and assets exceeding $34,196,009, we are dedicated to providing personalized services that truly meet the needs of our local families and businesses. At Rural Cooperatives, we believe in more than just banking; we believe in building relationships. Under the leadership of our CEO, Larry Bischoff, and Board President, Jennie Phelps, our team of 11 dedicated employees is here to ensure you receive top-notch service with a personal touch. Whether you're looking for checking accounts, auto loans, or business financing solutions, we've got you covered. While you can visit us at our branch address for all your banking needs, please note that any official correspondence should be sent to the same address: 13246 State Route 176, Drakesboro, KY 42337. Our commitment to your financial well-being is reflected in our robust offerings. With total deposits of $1,412,826 and a net worth of $4,393,444, we ensure that your money is safe and sound while also working hard to help you achieve your financial goals. So why wait? Reach out to us today at 270-476-4484 or explore more about our services online at rccu.com. We're excited to help you take the next step towards a brighter financial future!

Joining the family at Rural Cooperatives is a wonderful way to connect with your community and access financial services that truly put you first. To become a member, you simply need to meet a few friendly eligibility requirements, which include being a resident of Muhlenberg County or having an immediate family member who is already a member. This means that if you live nearby or have loved ones who are part of our community, you're likely eligible! By becoming a member, you can enjoy personalized service, competitive rates on loans and savings accounts, and the peace of mind that comes from banking with a cooperative dedicated to its members' well-being. If you're ready to take this step, opening an account is easy! You can find all the necessary details about eligibility on our website at http://www.rccu.com#membership . Should you have any questions or need assistance, feel free to reach out to us at (270) 476-4484. We're here to help you every step of the way in your journey towards financial empowerment. Come visit us at 13246 State Route 176 Drakesboro Ky 42337 and see how being part of Rural Cooperatives can benefit you!

At Rural Cooperatives, we understand that convenience and security are essential for our members. That's why we offer a range of digital and online banking services designed to keep your finances at your fingertips, anytime and anywhere. With our user-friendly platform, you can manage your accounts without the hassle of traditional banking. One of the standout features available is our comprehensive online banking service, accessible at https://www.rccu.com/ . This platform allows you to check balances, transfer funds, and pay bills all in one place. Plus, with 24/7 access to your accounts, you can stay on top of your finances whenever it suits you. For those who prefer to handle things on-the-go, our mobile application is here to help. It's designed for easy navigation, so whether you're at home or out and about, managing your money is straightforward. You can even send money directly to friends or family with our person-to-person transfer feature no need for cash or checks anymore! We also offer electronic statements for quick and easy access to your account information. Enjoy the benefit of paperless statements that you can view whenever you want. And if you're looking to sign documents electronically, our electronic signature authorization makes that process smooth and secure. With security as a top priority, you can trust that your information is safe while using our online services. We ensure all transactions are protected so you can bank with peace of mind. Experience the ease of banking with Rural Cooperatives today! Visit us online at https://www.rccu.com/ and take advantage of all these fantastic features designed just for you.

At Rural Cooperatives, 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 showcase our strong financial health, demonstrating our commitment to serving you with reliability and trust. With a net worth of $4,393,444, we maintain robust financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,285 showcases a solid capital foundation. This ensures that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $4,671,304 in share certificates and $2,618,032 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. With $4,432,946 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is supported by $443 in used auto loans and $12,617,450 in total loans and leases, enabling us to assist you with your financial goals across various sectors. While we work hard to maintain operational efficiency, our $-39,502 reflects our commitment to managing resources wisely. This allows us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 10 full-time employees and 1 part-time employees. This dedicated team is always ready to serve you with knowledge and commitment. Our net shares (funds available for lending and investments) stand at $0, reinforcing our ability to support your borrowing needs effectively. We currently manage a total of 5,794 share and deposit accounts, showing a strong and growing member base that trusts us with their finances. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Rural Cooperatives is your trusted partner. Visit us at 13246 State Route 176 Drakesboro Ky 42337 or call (270) 476-4484 to learn more about how we can help you achieve your financial goals.