Two Rivers Credit Union Arkadelphia AR | Convenient ATM Services

Introduction

Welcome to Two Rivers, your trusted partner in financial growth and community support. Located at 204 N 10th St, Arkadelphia, AR 71923, we have proudly served our members since 1970. Our commitment to fostering financial well-being is reflected not only in our robust services but also in our dedicated team of six employees led by our CEO, Nikki Neal, and Board President, Ron Addington. At Two Rivers, we believe that strong communities are built on strong relationships. With a total membership of 1,972 and assets exceeding $15,992,101, we provide personalized service tailored to meet the unique needs of each member. Whether you are looking for a loan (we currently offer a total of 867 loans and leases) or seeking a safe place to save (with deposits totaling $2,808,445), we've got you covered. While members can visit us at our branch location for all their banking needs, any official correspondence should be sent to the same address: 204 N 10TH ST, ARKADELPHIA, AR 71923. We prioritize transparency and accessibility in everything we do. Our net worth stands at an impressive $2,020,771, showcasing our financial stability and commitment to serving you better. With over $600,112 in cash on hand, we're ready to assist you with your financial goals today. Join us as we continue to make a positive impact in Arkadelphia and beyond! Feel free to reach out by calling us at (870) 210-7222 or visiting our website at www.tworiversfcu.com for more information on how we can help you achieve your financial dreams.

Branch History & Mission

Community Engagement

Our commitment extends beyond just financial transactions; it's about building relationships within the community. We actively participate in local events and partner with organizations that promote economic well-being. These outreach efforts help us better understand the needs of Arkadelphia residents and strengthen the bonds we share.

Join Us

As we continue on this journey since 1970, we invite you to become a part of the Two Rivers family. Experience firsthand how we can support your financial aspirations while contributing positively to our community. Reach out to us at (870) 210-7222 or visit us during our operating hours for more information about membership and services. Together, let's pave the way for a brighter financial future!

Our Mission

At Two Rivers, our mission is simple yet powerful: to empower our members through personalized financial services while fostering community growth and support. We believe that everyone deserves a chance to thrive financially. Whether it's through savings accounts or loans tailored for various needs, we are dedicated to providing services that help our members achieve their goals. In addition to offering traditional banking products, we understand the importance of adapting to modern banking needs. Our digital advancements include online banking and mobile applications that allow members to manage their finances conveniently from anywhere. We ensure that our services are accessible for all by complying with ADA standards.

Branch Location & Accessibility

Convenient Location

Our branch sits conveniently near local landmarks, making it easy to stop by while you're out and about. If you're visiting us, you'll find ample parking available, ensuring a hassle-free experience. We take pride in providing accessible features for all our members, including ADA-compliant ramps that make it easy for everyone to enter our facility.

Operating Hours

At Two Rivers, we know your time is valuable. That's why we offer flexible operating hours: 5-Sep. Our dedicated team is ready to assist you during these times. If you have questions or need assistance outside of these hours, feel free to give us a call at (870) 210-7222.

Services Offered

While we currently do not have ATM services or drive-thru banking available at this location, our focus remains on providing personalized service directly within the branch. Feel free to visit us for all your banking needs we're committed to helping you with everything from account inquiries to loan applications.

Stay Connected

If you prefer managing your finances online, check out our website at https://www.tworiversfcu.com/ for more information on our services and membership options. We are excited to help you achieve your financial goals! We invite you to visit us at Two Rivers soon! Our friendly staff looks forward to welcoming you and assisting with all your banking needs.

Member Eligibility

Becoming a member of Two Rivers is like opening the door to a community that truly cares about you and your financial well-being. If you're looking to join us at our welcoming location at 204 N 10Th St Arkadelphia Ar 71923, you'll find that eligibility is straightforward and inclusive. We warmly invite individuals who live, work, or worship in the surrounding areas to apply. Whether you're a student just starting out or someone planning for retirement, there's a place for you here. To explore more about our eligibility criteria, feel free to visit our website at http://www.tworiversfcu.com/accounts. Joining Two Rivers means gaining access to personalized services and a friendly team ready to support your financial journey. The process of becoming a member is simple and can be started by giving us a call at (870) 210-7222. We can't wait to welcome you into our family!

Business Banking & Commercial Services

Merchant Services That Matter

Imagine running your business smoothly with efficient payment processing. Our merchant services simplify transactions, allowing you to focus on what you do best serving your customers. From accepting card payments to providing detailed sales reports, we ensure you have the tools necessary to thrive in today's competitive market. Located at 204 N 10Th St Arkadelphia Ar 71923 in Arkadelphia, AR, we invite you to explore how our dedicated team can partner with you to fuel your business ambitions. Reach out at (870) 210-7222 today!

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

Our Services

Whether you're looking to manage your money or explore new financial opportunities, Two Rivers offers the essential services you need. One of our standout features is our ATM Services Only. This allows you to access your funds quickly and easily, ensuring that you have cash on hand whenever you need it. Imagine you're out shopping for groceries and realize you forgot your wallet at home. With our ATM services, you can swiftly access cash from one of our ATMs without any hassle. It's all about making banking accessible and convenient for our members. In addition to ATM services, we also prioritize modern banking solutions that fit into your busy lifestyle. Our online banking platform allows you to check balances, transfer funds, and pay bills right from the comfort of your home or on the go. With features like e-statements, managing your accounts has never been easier or more eco-friendly. Are you someone who prefers using your smartphone? Our mobile application makes it simple to manage your finances anytime, anywhere. You can check transactions, deposit checks electronically, and even send money to friends with just a few taps.

Why Choose Us?

At Two Rivers, we pride ourselves on offering personalized service that puts our members first. Whether you're a long-time member or new to our credit union, we're here to support you with tools and resources tailored to your specific needs. If you're curious about how we can assist you further or if you'd like more information about any of our services, feel free to reach out! Give us a call at (870) 210-7222, and let's start a conversation about how we can help improve your financial well-being. Your satisfaction is important to us, so come visit us at 204 N 10Th St Arkadelphia Ar 71923 in Arkadelphia, AR, or explore more about what we offer by visiting our website at Two Rivers Fcu. We look forward to serving you!

Digital & Online Banking

Accessibility and Real-Time Management

Our online banking services are designed with you in mind easy to navigate and accessible whenever you need them. Whether it's late at night or early in the morning, you can manage your finances on your schedule. With real-time updates on your transactions, you'll always know where your money is going. With Two Rivers, banking doesn't have to be complicated. Embrace the ease of digital banking today by visiting us at https://www.tworiversfcu.com/!

Key Features of Our Online Banking Services

With our online banking, you can easily check your account balances, pay bills, and transfer money all from the comfort of your home or wherever you are. Need to send money to a friend? Our person-to-person transfer feature makes it simple and quick. Plus, if you prefer to review your statements digitally, we provide e-statements for easy access and organization. You can sign up for these with just a few clicks! Security is a top priority at Two Rivers. We use electronic signature authorization to ensure that all transactions are safe and verified. Our user-friendly mobile application adds another layer of convenience, letting you manage your accounts right from your smartphone. Unfortunately, while mobile payments aren't available yet, we're continuously working to enhance our offerings.

Financial Strength

Growing Trust

The trust placed in us by our community is evident with 3,108 total share accounts, showcasing a strong and growing member base that chooses Two Rivers as their trusted financial partner. Additionally, net shares available for lending stand at $82,590, reinforcing our ability to support your needs effectively. 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.

Member-Centric Savings

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 operational efficiency is reflected in our $-$134,477. This positions us well to continue offering competitive loan rates and solid financial products tailored for our members. We also take pride in having 6 full-time employees ready to serve you with expertise and dedication.

Reinvestment in Member Services

Our commitment to our members is further illustrated by $2,058,198 in undivided earnings. This allows us to reinvest in innovative banking tools and stronger lending options to serve you better. With $226 in used auto loans and $9,703,670 in total loans and leases, our lending capacity supports your financial goals across various sectors.

Solid Foundation

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. We provide flexible terms to make financing as straightforward as possible.

Credit Lines and Unsecured Loans

For those looking for flexibility, we offer credit lines totaling $500,000. These options can help you manage unexpected expenses or consolidate debts. Additionally, while we currently do not have any unsecured credit card loans available (totaling $0), our team is happy to discuss other solutions that may fit your financial needs.

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. Whether you're a first-time homebuyer or looking to refinance your existing mortgage, our knowledgeable staff can guide you through the process.

Refinancing Options

If you're considering refinancing any existing loans, our team can help assess your current situation and find the best solutions available. This could potentially lower your monthly payments or overall interest costs. At Two Rivers, we are committed to providing personalized service and support throughout your borrowing journey. If you have questions or need assistance, feel free to reach out at (870) 210-7222. For more information about our loan offerings and eligibility requirements, visit our website at https://www.tworiversfcu.com/. 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 toward achieving your financial dreams!

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TWO RIVERS FEDERAL CREDIT UNION - Arkadelphia, AR

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