75 Reasons to Love RRCU
We are celebrating our 75th year as Red River Employees Federal Credit Union (RRCU) this year. First, and foremost, we are here for our members. Our first location at Red River Army Depot in Hooks, Texas, has grown into twenty-eight branches in Texas, Arkansas, Louisiana, and Mississippi. There is strength in numbers and the larger we grow, the more benefits we can pass on to our membership in the form of lower rates, advanced technologies, and more locations.
As RRCU reflects fondly on the past 75 years, we have collected a list of the top 75 reasons why you would love banking with RRCU! We strive to provide the best possible products, services, staff, and technologies to fulfill all the financial needs our members may have.
Thank you for being a valued member-owner of Red River Employees Federal Credit Union!
1. Federally insured by NCUA.
2. Online Financial knowledge with our Learning Center. Learn or refresh your knowledge on a variety of financial topics.
3. eStatements for a safer, faster delivery. Signing up for eStatements helps you and the environment by using less paper. Go green today!
4. Online Membership Application! Not everyone has time to visit a branch to open an account. We've made it easy to take advantage of our great dividends and loan rates with Online Membership Applications. Fast. Easy. Convenient.
5. Advanced BillPay system with rush payment options.* In 2017 we introduced an upgrade to our BillPay system with more advanced features to better serve your needs.
6. Mobile Wallet for your RRCU Visa Debit Card (ApplePay/GooglePay/SamsungPay). Make purchases using your mobile wallet on your smartphone. With tokenization, your RRCU Visa Debit Card is never transferred to the vendor to make an even more secure purchase.
7. Easy account transfers online, mobile, by phone, and in person. You have access to your money anytime, anywhere!
8. Gap, Warranty, and DentGuard insurance to keep you covered. Protect your big purchases with a smart move to low cost coverage.
9. Switch Kit: The simple way to make RRCU your preferred financial institution.
10. Products and services that meet and exceed member expectations. RRCU is continuously evaluating our products, services, and technologies to provide our valued members with the best options to fill their needs.
11. Powerful mobile app! Our mobile app is Apple and Android compatible putting access to your money in the palm of your hand.
12. Online Mortgage Application! Apply for a pre-approval letter right from the comfort of your computer and mobile phone!
13. A start strong Varsity Club Savings or Checking account for your teen to start learning financial responsibility.
14. Amazing Arkansas Branches in Ashdown, Hope, Nashville, and Texarkana.
15. A variety of checking accounts to fit your needs: MembersChoice Premier, eChecking, Basic, Fresh Start, Foreign National, Health Savings, and more.
16. Unique savings accounts for your future including Christmas Club, Tax, Retirement, and more.
17. A variety of Share Certificates to make your money earn for you.
18. RRCU Visa Debit Card for everyday convenience. Like having the CU in your pocket 24/7.
19. MyCard Creation* lets you change your RRCU Debit Card image to be as unique to you.
*Fee and limitations apply.
20. Visa Gift Cards* for the gift to fit your special someone.
*An initial fee of $2.50 will be charged at the time of purchase for members; $5 for non-members. A $2.95 monthly inactivity fee will be deducted each month from the card balance after 12 consecutive months of inactivity. Lost/Stolen replacement card fee of $5. Gift card is issued by MetaBank®, Member FDIC, pursuant to a license from Visa U.S.A. Inc.
21. Overdraft protection because accidents happen. Funds are transferred from your primary savings account at no charge to cover checks, pre-authorized debits, point of sale (POS) transactions, ATM transactions, and Visa RRCU Debit Card transactions.
22. Virtual branch to assist you with all your banking needs and questions when you can't make it to a physical branch location.
23. Online Alert Center: Access to the latest scams to keep you informed and protected.
24. Stop Payments feature to stop payment on a check for your added protection.
25. Merchant Processing for Member Business Solutions. Doing business is easy with RRCU in your corner.
26. Visa Purchase Alerts sends you real-time1 email alerts when you pay2 with your RRCU Visa Debit Card.
1 Actual time to receive a transaction alert is dependent on wireless service and coverage within area.
2 A qualified transaction is any transaction routed through Visa. Visa Purchase Alerts may not be available in all areas. Account activity qualifying for Visa Purchase Alerts may vary by issuer. Additional terms, conditions, and restrictions may apply.
© 2009 Visa. All Rights Reserved.
27. Business Lending for investing in the future of your business.
28. Fantastic Texas branches in Atlanta, Clarksville, Commerce Park, New Boston, Paris, Red River Army Depot, Sulphur Springs, and nine Texarkana locations!
29. Line-of-Credit Loans for the amount you need, when you need it.*
*With approved credit.
30. Advanced, informative, and interactive website bringing you all the products, services, news, and updates directly to you.
31. Super student branches in Liberty-Eylau, Texas High and Arkansas High in the Texarkana area. We contribute and partner with these local schools to help meet the needs of our future generation.
32. Informative award-winning quarterly newsletter available by mail and on our website.
33. RO$EY the 24-hour audio teller at 903-793-3400 (with expanded local calling) 800-833-1528. (Former SFCU members can call 800-421-2776)
34. MemberChoice Premier Checking with eClub for Identity Theft Protection*, Cellphone Coverage*, Cash Back Rewards*, and more!
Special Insurance Program Notes: The descriptions herein are summaries only. They do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete terms, conditions and exclusions of coverage. Insurance product is not a deposit; not NCUA insured; not an obligation of credit union; and not guaranteed by credit union or any affiliated entity. Monthly fee applies
*Some benefits require registration/activation
35. Juntos Avanzamos designation for providing outstanding services to our Hispanic members.
36. Great Auto Loan Rates! Get preapproved* to shop for your next vehicle with confidence. *With approved credit.
37. We are an Equal Housing Lender. We have a variety of mortgages available including Conventional, FHA, and USDA to fit your needs.
38. Friday Live with RRCU! Join us on Facebook Fridays to learn about topics our members want to know about with live video streaming.
39. Facebook page to keep our members and others updated on our rates, promotions and charitable drives.
40. Employment! What's better than banking with RRCU? Working with our outstanding staff by becoming a valued employee. We are an Equal Opportunity Employer.
41. Habla Español! Bilingual staff is available in many branches.
42. Home improvement loans with great rates! With Approved Credit.
43. Three great Mississippi branches in Marks, Clarksdale, and Batesville that are new to our CU family.
44. Employees give generously each year to contribute to United Way and help those in need in our Community.
45. Instagram page to keep our members informed on where we are in the community we are.
46. Download reports of your account activity from online banking to Microsoft Excel (CSV), Adobe Acrobat (PDF), Microsoft Money (OFX), or Quicken (QIF/QFX) compatible files.
47. Skip-A-Payment* for when you need a little extra cash!
*The loan must be at least 90 days old. Only 1 Skip-A-Payment is allowed every 6 months on each qualifying loan. There is a $25 processing fee that must be paid before the Skip-A-Payment will be processed. All loans must be current (within 15 days of the due date) including the loan to be skipped. All accounts must be in good standing. REAL ESTATE and CREDIT CARDS DO NOT QUALIFY FOR SKIP-A-PAYMENT.
48. Safety Deposit Boxes available at multiple full-service branches.
49. Financial counseling to help you achieve your financial goals.
50. Online chat! For those times you aren't able to contact us by phone, chat with us online!
51. Homer Club Savings Accounts to help you start your child out on their financial journey.
52. Friendly and knowledgeable phone center support staff to make your banking easier.
53. An awesome Twitter page to inform, educate and provide articles that are beneficial to our membership.
54. Five wonderful branches in Louisiana that are new to our CU family. Three branches in Shreveport and one each in Grambling and Bastrop.
55. Lead or support charitable drives (coat, food, water, socks, etc.) for members and employees to contribute or donate to give back to our communities.
56. Easily access your eClub* account and benefits from anywhere using the convenient mobile app.
*For MembersChoice Premier Account holders.
57. Online Calculators to help plan your personal financial goals.
58. An Annual Meeting you won't want to miss! And we don’t want to miss seeing you there!
59. Three express branches in Texarkana area that are open most holidays*. *Closed Thanksgiving, Christmas Day, and New Year’s Day with all other branches.
60. Tuesday Trivia on our Facebook page. (www.facebook.com/redrivercreditunion)
61. 40+ ATMs scattered across our field of membership for quick and convenient member access.
62. Expanding YouTube channel to assist you with a variety of topics.
63. Mobile check deposits with DeposZip* to deposit a check when you can't make it to the branch or full-service ATM.
* Some restrictions and limitations apply. See Terms and Conditions for details.
64. 100% Response Rate, Facebook Messenger! Engage with us directly from your Facebook page to ours!
65. Award-winning Credit Union with Four States Living, United Way, ALT magazine, Bowie County Tribune, TISD, and Paris New!
66. Financial literacy classes for students and adults to fit your classroom or group
67. Credit when you need it with the RRCU Visa or MasterCard Platinum credit cards* with great rates. *With approved credit.
68. Direct Deposit your paycheck for peace of mind.
69. Holiday, vacation, and other special low balance loans to make life a little easier.
70. eSignature makes signing your loan simple without visiting a branch.
71. We are updating our website for ADA compliance. Look in the bottom right for the updated accessibility.
72. EMV (Chip) technology on the RRCU Visa Debit Card for added protection.
73. Quality Member Service provided by a staff who cares.
74. A membership and asset size large enough to provide you with fantastic rates and service.
75. Our amazing 75 year history. Beginning in 1943 with a small group of friends and growing to the premier financial institution it is today.