Charting Your Path
There really is a difference.
A lot of other financial institutions treat you like a number, especially when it comes to your credit score. If you don't fit their criteria perfectly, you're not getting a loan. End of story. And it's just gotten worse since the economic meltdown when big banks got bailed out and now their reducing their losses by nickel and diming their customers to the brink with fees and penalties.
You don't need that drama. And you sure shouldn't have to pay fees each month just to have a checking account. That's the credit union difference.
Still, a lot of people don’t understand how easy it is to join a credit union.
So let's clear up a few misconceptions right now:
- It's impossible to become a member of a credit union. Nope.
Through our community charter, everyone who lives, works, worships or attends school in Chesterfield, Hanover and Henrico counties and the city of Richmond is welcome to join us.
- RiverTrace doesn't have all of the products and services other financial institutions offer. False.
We offer a wide range of products and services including mortgage products and other types of loans.
- I'll have limited access to ATMs as a credit union member. Wrong.
You can use your a RiverTrace VISA® Debit Card without paying any fees at any one of the 30,000 CO-OP Network ATMs across the U.S. AND you can use it like a credit card anywhere you see the VISA® symbol when making purchases.
- I'm limited by working with a single branch. Untrue.
Through our affiliation with the CO-OP Shared Branch network, you can walk into any one of 5,000 affiliate credit unions or 2,000 self-service stations in all 50 states, Puerto Rico, Guam and military bases around the globe and conduct business just as if you were in our branch.
Another great thing about RiverTrace is that we're right here in your backyard and loan decisions are made right here—not 1,000 miles away in some corporate office where a bean counter, who only knows you as an application number, takes his or her sweet time to process your application. You've got things to do. You don't have time to wait around for that.
Plus, since we're right here where you can come in and we can get to know you, we can learn what your needs are so we can provide you with sound financial advice and go out of our way to make sure you get what you need.
See the difference now? Then feel free to stop by the branch and talk with us and find out how it feels to be more than a number.