Two Rivers Credit Union Arkadelphia AR | Affordable Auto Loans & Personal Banking

Introduction

Welcome to Two Rivers! Located at 204 N 10th St, Arkadelphia, AR 71923, we are proud to be a cornerstone of the community since our establishment in 1970. With a strong commitment to serving our members, we currently boast a membership of 1,972 individuals who trust us with their financial needs. At Two Rivers, we understand the importance of personalized service and community support. Our dedicated team, led by CEO Nikki Neal and Board President Ron Addington, is here to provide you with a range of services including personal banking, auto loans, mortgages, and more. With total assets reaching $15,992,101 and deposits totaling $2,808,445, we ensure that your money is safe and sound. You can easily access our services through various channels. Whether you're visiting us in person or utilizing our online banking options, we strive to make your experience as seamless as possible. We have an ATM on-site and offer drive-thru services for added convenience. While members can visit us at 204 N 10th St, official correspondence should be sent to 204 N 10th St, Arkadelphia, AR 71923-5029. If you have any questions or would like to know more about how we can assist you on your financial journey, feel free to give us a call at 870-210-7222. Join us in making your financial dreams a reality at Two Rivers!

Branch History & Mission

Commitment to Community

Our commitment goes beyond banking; it extends into the heart of Arkadelphia. Over the years, we have engaged in various community outreach efforts aimed at uplifting those around us. Our partnerships with local organizations reflect our desire to make a real impact by supporting educational initiatives and local events. Additionally, we prioritize accessibility for all members of our community by ensuring ADA compliance in our facilities. With both drive-thru service and ATM availability at our branch, we strive to make your banking experience as smooth as possible. As we look ahead, we remain dedicated to evolving with technology while keeping the personal touch that defines us. We encourage you to join us at Two Rivers and experience firsthand how we can support your financial journey while positively impacting the community together. If you're ready to become part of something special or want more information about our services, don't hesitate to reach out! Give us a call at (870) 210-7222 or visit our website at Two Rivers FCU today!

Our Mission

At Two Rivers, our mission is simple yet profound: to empower our members financially while actively supporting the communities we serve. We believe that everyone deserves access to quality financial services and support. Whether you're looking for personal banking options like checking and savings accounts or need assistance with auto loans and mortgages, we are here to help. We take pride in offering an array of services tailored to meet your needs, including online banking, mobile applications, and ATM access for your convenience. In addition to individual services, we also provide business banking solutions such as merchant services and business loans.

Branch Location & Accessibility

Accessibility Features

We understand that accessibility is essential for all our members. Our branch is fully ADA compliant, featuring ramps and designated parking spaces to ensure everyone can visit us comfortably. We also have a drive-thru service available, allowing you to conduct simple transactions without leaving your car.

Conveniently Located

Situated near local landmarks and just a short drive from the heart of Arkadelphia, our branch is designed with convenience in mind. Whether you're stopping by for a quick transaction or exploring our full range of services, we strive to make your visit as easy as possible.

Join Us Today!

We invite you to stop by and see how we can help you achieve your financial goals. Whether you're looking for a new account or seeking advice on loans and financing options, our friendly staff is here for you. Feel free to give us a call or visit our website at Two Rivers for more information. We look forward to serving you!

Operating Hours and Services

At Two Rivers, we aim to accommodate your busy schedule. Our operating hours are designed to fit into your day seamlessly. You can reach us at 870-210-7222 during business hours for any questions or assistance you may need. We offer a variety of services tailored to meet your financial needs, including personal banking options like checking and savings accounts, auto loans, mortgage loans, and even business banking solutions. Plus, enjoy the convenience of ATM access right on site!

Member Eligibility

Joining the Two Rivers community is more than just opening an account; it's about becoming part of a supportive family that cares about your financial well-being. To become a member of Two Rivers, you'll find that eligibility is quite inclusive. If you live, work, worship, or attend school in Clark County, Arkansas, or are related to someone who does, you're likely eligible! This means many people can easily access our services and enjoy the benefits we offer. For more detailed information on eligibility criteria, feel free to check out our website at http://www.tworiversfcu.com/accounts. Getting started with us is simple! You can visit us at 204 N 10Th St, Arkadelphia, AR 71923, or give us a call at 870-210-7222 if you have any questions. We're here to help guide you through the process of membership and account opening so that you can start enjoying everything Two Rivers has to offer right away. Whether it's personal banking or loans tailored to your needs, we're excited to welcome you into our community!

Business Banking & Commercial Services

Practical Merchant Services

In addition to loans, we offer practical merchant services that simplify payment processing and enhance customer satisfaction. Imagine your customers enjoying seamless transactions whether they're shopping online or at your physical location. Our solutions can help you accept payments easily, allowing you to focus more on what you do best running your business. Located at 204 N 10Th St Arkadelphia Ar 71923, in the heart of Arkadelphia, AR, we are here to partner with you on your journey to success. Reach out to us today at (870) 210-7222 to learn more about how we can help your business thrive!

Tailored 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 $0 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.

Comprehensive List Of Services

Credit Cards & Business Services

Looking for a way to earn rewards on everyday purchases? Our credit cards with rewards let you do just that, turning spending into savings. If you're a business owner, we have you covered with our business banking services, including merchant services and business loans, designed to support your growth and success.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking options so you can manage your accounts from anywhere at any time. Need cash? Our ATMs provide easy access for withdrawals and balance checks right when you need it. For those who prefer a more personal touch, our basic drive-thru banking allows for quick deposits, withdrawals, and simple transactions without leaving the comfort of your vehicle. At Two Rivers, we understand that managing finances should be straightforward and accessible. Our commitment to providing top-notch service ensures that whether you're visiting us in person or using our digital platforms, you'll always have the support you need. For more information about how we can assist you or to explore any of these services further, don't hesitate to reach out! Call us at (870) 210-7222 or visit us online at Two Rivers Fcu. We look forward to serving you!

Personal Banking

Our personal banking services include checking and savings accounts that help you manage your money effectively. Imagine easily accessing your funds while earning interest on your savings. Our auto loans and vehicle financing make it simple for you to get behind the wheel of your dream car, offering competitive rates and flexible terms that fit your budget. When it comes to home ownership, our mortgage loans and refinancing options can help make your dream home a reality or lower your monthly payments if you're looking to refinance. For those unexpected expenses, our personal loans and debt consolidation services are here to provide financial relief, allowing you to focus on what truly matters.

Digital & Online Banking

Key Services

Our online banking service is available 24/7, allowing you to check balances, pay bills, and transfer funds whenever you need to. You can also take advantage of our person-to-person transfers, making it simple to send money to friends or family without the hassle of cash or checks. Plus, with our mobile application available for download, managing your account on the go is more straightforward than ever. For those who prefer paperless options, we offer electronic statements that keep your financial information organized and secure. You can access these e-statements anytime through our online platform, eliminating the clutter of physical mail. And if you need to sign documents quickly, our electronic signature authorization feature allows for a fast and secure signing process.

Security and Accessibility

We prioritize your security while using our digital services. Our online banking system includes robust security measures to protect your personal information. You can feel confident knowing that your data is safe as you manage your accounts with ease. Whether you're at home or out and about, Two Rivers ensures that your banking experience is user-friendly and accessible. From setting up alerts to staying on top of transactions, we provide the tools you need for real-time account management. Explore all that digital banking has to offer at Two Rivers today! Visit us at https://www.tworiversfcu.com/ and take control of your finances with confidence.

Financial Strength

Growing Member Base

Total Share Accounts stand at 3,108, showcasing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $82,590 further illustrate our dedication to maintaining a robust financial profile. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Two Rivers is your trusted partner. Visit us at 204 N 10Th St Arkadelphia Ar 71923 or call (870) 210-7222 to learn more about how we can help you achieve your financial goals.

Investments in Your Future

With $2,058,198 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 $226 in used auto loans and $9,703,670 in total loans and leases.

Member Savings Security

Members' savings are secured through $8,577,969 in share certificates, 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 commitment to efficiency is reflected in our $-$134,477, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 6 full-time employees and 0 part-time employees dedicated to serving you with knowledge and commitment.

Strong Financial Health

With a net worth of $2,020,771, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 12.61% 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 $3,478,457 in used vehicle loans and $2,687,760 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new vehicle or a reliable pre-owned option, we have solutions tailored for you.

Credit Lines and Personal Loans

For those looking for flexibility, our total credit lines amount to $500,000. This can be a great way to access funds when you need them without the commitment of a traditional loan. Additionally, we offer unsecured credit card loans that help members manage their finances effectively, ensuring you have the purchasing power when it counts.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $956,387, make buying or refinancing simple. We provide clear terms and competitive rates to help you navigate the home-buying process with ease.

Refinancing Options

If you're considering refinancing your existing loans or mortgages, we have options available that may lower your monthly payments or reduce your overall interest costs. Contact us for details on eligibility and how we can assist you in making the most of your financial situation. Feel free to reach out at (870) 210-7222 or visit us at 204 N 10Th St Arkadelphia Ar 71923 in Arkadelphia, AR for personalized assistance. 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 take the next step towards achieving your financial dreams!

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TWO RIVERS FEDERAL CREDIT UNION - Arkadelphia, AR

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