When it comes to getting a loan through River Community Credit Union, you will not find an easier, more confidential process anywhere. Whatever your needs or wants, RCCU would like you to be able to obtain it. We offer variousterms and rates depending on what the money would be used for. In addition, most loan applications can be approved in less than 24 hours. With our optional Member Protection Insurance you get the opportunity to add Credit Lifeand/or Credit Disability Insurance to your loan. We also offer Gap Insurance for your auto loans. Member Protection Insurance and Gap are not required to obtain a loan, but can put your mind at ease by knowing that if somethingshould happen unexpectedly to you, your loan payments may be made for you.

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New/Used Vehicle Loans — Our new/used auto loans are hard to beat. River Community Credit Union offers not only one of the best rates in town but we’ll drop the rate another quarter of percent for automatic payments. Whatever auto/truck you have in mind, we have the loan for you.

Motorcycle/Boat Loans — New and Used

Signature/Personal — Your need is our concern.

Consumer Loan — For those household appliances; Furnace & A/C; Mowers; etc.

First Mortgage — Your new home.

Home Equity Loans — You can purchase virtually anything with the proceeds.

Shared Secured — Use your deposited funds to obtain a lower interest rate.

Line of Credit — For the Debit Card and those low amount loans.

Vacation Loans — Only your destination is your concern.

Christmas Loans — Let us help your Santa.

Visa® Credit Cards — Credit never got easier with our low interest rates.

Visa® Debit Line of Credit Loan — Peace of mind knowing in case of an error with your debit card your checking account is protected.

Making your loan payment is something that should not require a lot of time or stress, so River Community Credit Union allows you to make loan payments in various easy convenient ways-by mail, overnight deposit box, phone transfer, direct deposit or just come in to the credit union. Automatic transfers can also be set up to make your loan payment, either from a direct deposit or from your savings or checking on a monthly, bi-weekly or weekly basis.

As a member, you actually have ownership of the River Community Credit Union. Our main concern is your financial well being and we’ll be there for you every step of the way. Our membership in the National Credit Union Administration (NCUA) means that the total deposits of each member are insured up to $250,000 by an agency of the U.S. Government.

Share Savings Account — You have the flexibility of making deposits, transfers and withdrawals at any time in a manner that suits your individual lifestyle.

Kirby Club — Children love to have their own account. Children 12 and younger will receive mail periodically; plus, opportunities to enter contests and drawings through out the year. On their birthdays they receive a birthday card from Kirby the Kangaroo. A $1.00 for each ‘A’ (up to 5) on their school report card awarded. Minimum of $5.00 deposit to open account. No minimum required to earn dividends.

Status One — Help your youth from 13 years old until they reach 18 learn the skills of managing money early. A $1.00 for each ‘A’ (up to 5) on their school report card awarded. Minimum of $5.00 deposit to open account. No minimum required to earn dividends.

Vacation Savings Account — Save for that time-set a side-just for you.

Christmas Club — Ahh! That wonderful feeling of having Christmas already paid for.

Time Share Certificates — Just $1000 minimum and $100k maximum can earn you a higher yield than our regular savings accounts.

Money Market — Start out with a deposit of $2500 or more and you can earn higher dividends and could still have access to your money at anytime.

IRA — Individual Retirement Accounts — Call us today to set on up or roll over your existing one. You’ve always taken care of your loved ones. Now take care of yourself-set up your IRA today. It is easierthan you can imagine.

Dividends are paid monthly to accounts that maintain an average balance of $100 or more. Our tiered share savings program provides additional dividend yields for higher share savings balances. The Board of Directors sets our rates monthly.

Share Draft Account — Our Personal Checking account gives you convenience and service to help you manage all of your everyday personal transactions and financial needs. There are no minimum balance requirements or monthly fees. You will not only have one of the best values in checking accounts but you also open the door to another valuable product like Visa Debit/ATM card.

Business Draft Accounts — Tier One is for business Checking who will have 50 or less items per month. It has the following features:

• $300.00 Average Daily Balance Required
• $5.00 Per Month Service Fee
• No Per Item Charge
• No Interest Paid On Accounts
• $3.50 Fee Each Month That The Average Daily Balance Falls Below The Minimum
• All Other Share Draft Fees Apply

Business Draft Account — Tier Two is for business Checking who will have more than 50 but less than 150 items per month. It has the following features:

• $500 Average Daily Balance Required
• $10.00 Per Month Service Fee
• No Per Item Charge
• No Interest Paid on Accounts
• $3.50 Fee Each Month That The Average Daily Balance Falls Below The Minimum
• All Other Share Draft Fees Apply

Because we are a consumer cooperative, designed primarily to serve member accounts, we do not wish to open or maintain accounts with greater than 150 monthly transactions as we believe it will impact our ability to provide the high level of service that our members expect and demand.

Gap Insurance — Will cover the gap by paying the difference between your primary carrier’s insurance settlement and your loan balance.

Credit Disability — Pays your loan payments when you can’t in a covered illness or accident.

Credit Life — Pays your loan off so your loved ones don’t have too.

• The insurance products offered:

• Are not federally insured
• Are not obligations of the Credit Union
• Are not guaranteed by the Credit Union
• Involve investment risk

NCUA Share Deposit — Our membership in the National Credit Union Administration (NCUA) means that the total deposits of each member are insured up to $250,000 by an agency of the U.S. Government.