Conversation with the credit Union

A credit union is a not-for-profit financial institution owned by the members it serves. Instead of focusing on stockholders, River Valley Community Federal Credit Union is focused on providing our members with great rates, valuable financial products, personal service, and the tools they need to reach their financial goals.

River Valley offers loans for almost every stage of life, including new and used vehicles, recreational vehicles, signature loans, mortgages, home equity loans, land, and other secured loans. We offer competitive rates, flexible terms, convenient online applications, and local service to help you find the loan that fits your needs.

Because you aren't just a customer — you're an owner! When you join River Valley, your membership share gives you ownership in the credit union and a voice in how your credit union is governed. We work for our members, and that difference is at the heart of what makes a credit union special.

Absolutely! Membership gives you access to competitive loan rates, savings and checking products, convenient digital banking, and personal service from people who live and work in the communities we serve. Long-time members may also qualify for special loan-rate discounts through our Member Loyalty Program.

A Signature Loan is a personal loan that doesn't require collateral. It can be used for expenses such as home improvements, vacations, unexpected bills, debt consolidation, or other personal needs, with a fixed rate and flexible terms to fit your budget.

Yes! River Valley finances new and used vehicles and can also help you refinance a vehicle loan you already have. We offer competitive rates, flexible terms up to 84 months on qualifying loans, and convenient online applications to make financing your next vehicle easier.

Yes. Our local mortgage team can help with purchasing or refinancing a home, home equity loans, land loans, construction financing, and other real-estate needs. We combine competitive rates with personalized, local service and local loan decisions.

River Valley offers a variety of accounts for saving, spending, and investing, including savings, checking, share certificates, IRAs, Christmas Club accounts, and River Rascals accounts for children. Our goal is to have an account that can serve you through every stage of your financial life.

If you live, work, worship, or have a business in Ouachita, Calhoun, Columbia, Union, or Dallas County, you and your family can become members of River Valley Community Federal Credit Union. Joining is easy, and your membership opens the door to all of our products and services.

River Valley offers a modern digital banking experience through online banking and our mobile app, giving you secure access from your computer, tablet, or phone. Features include mobile check deposit, internal and external transfers, debit card controls, account alerts, eStatements, Bill Pay, credit score and financial wellness tools, secure messaging, and online loan applications — giving you convenient access to your credit union wherever you are.