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No, we do not currently offer investment services (e.g. stocks, bonds, crypto). We do offer NCUA-insured savings accounts, certificates, IRAs, HSAs, and ESAs.
You can change your address by mail or in person using the Change of Address Form.
To change your address electronically, log into online banking or the mobile app and send us a message.
To set up Direct Deposit from an employer, you must contact your Human Resources department or go through your employer's payroll portal (such as ADP, Netchex, PeopleSoft, etc.)
You will need these two numbers:
- Our routing number: 265-082-449
- Your RiverLand account number
If a Direct Deposit Letter is required, contact us. We'll send you a letter via secure email.
265-082-449
If your account receives $10 or more in dividends during a calendar year, you will receive a 1099-INT for your annual tax return. If you are enrolled in eStatements, your tax forms will be available to download/print via online banking and our mobile app. For instructions on how to access them, . If you are enrolled in paper statements, your tax forms are mailed to you.
If you have an IRA or an HSA, a form 1099-R or 1099-SA will be mailed to you.
Helpful Hint: For members with access to more than one account in online banking (typically due to being a joint owner), tax forms must be accessed with the online banking credentials for the primary account that it is reporting on. This means you may need to log in with an alternative username and password to access the tax forms.
If you're having trouble accessing your forms or would like them sent again, contact Member Services.
RiverLand Federal Credit Union's primary objective is to provide our members with quality financial services, economically priced, and consistently better than those available elsewhere. We make every effort to offer you free financial services however, as a non-profit financial cooperative, we must continuously examine the cost-effectiveness of the services and service we provide, striving for a balance between member benefit and cost. Our philosophy is the members utilizing services, that cause additional expense for the Credit Union, should pay their fair share of the expense rather than all members absorbing the cost of services used by a few. Unlike other financial institutions, we do not view member service fees as an opportunity to earn additional income. Our fees are not inflated to generate revenue. By contrast, they are priced as low as possible to offset the expense we incur.
High-Yield Savings Accounts (HYSAs) are trending online, so we know you have many options. Here are a few reasons to save with your credit union instead of an online bank:
- Cash Access Nearly Everywhere: If your savings account is also your emergency fund, you may need access to a chunk of your cash unexpectedly. RiverLand has a vast network of Shared Credit Union Branches located across the U.S. At Shared Branches, you can withdraw cash directly from your savings account, no debit card needed. Online banks may require you to have a checking account and go to an ATM to make a limited withdrawal.
- Trust & Financial Security: RiverLand has been serving its members since 1978, and we have remained well-capitalized. We don't take huge risks with our members' money, so you can rest assured that your funds are safe and federally insured with us.
- Loan Rate Trade-Off: Ever wonder why big banks can afford to pay their customers higher savings rates? It's partly because they charge extraordinarily high loan rates and fees on other accounts. That's not our style. We keep our loans affordable and our savings rates competitive. You always get a sweet deal with us.
There are a few reasons why a person can be denied membership at RiverLand. The most common reasons are eligibility and unpaid account closures. If you are unsure why you were denied, please call us at 504-576-5800 (option 3).
ELIGIBILITY - Like many credit unions, membership at RiverLand is not available to the general public. You may be eligible for membership through:
- Employment - if you are employed by, are a contract employee of, or are a retiree of one of our Eligible Employer Groups, you are eligible to join.
- Family - if you are a family member of a current RiverLand member, you are eligible to join. The following family members are eligible for membership: spouse, child, grandchild, great-grandchild, stepchild, parent, grandparent, great-grandparent, stepparent, sibling, stepsibling, adoptive relationship, and household member.
UNPAID ACCOUNT CLOSURES - When you apply for membership, we run a Chexsystems report that gathers data from other financial institutions you've done business. If you have unpaid/charged-off accounts at any other financial institutions, you will not be eligible for membership. You can request your free Chexsystems report at https://www.chexsystems.com/request-reports/consumer-disclosure
No, we do not have safety deposit boxes in our offices.
No, we only offer personal accounts.
Yes, we offer notary services at our Main Office. The fee is $15.00 for members and $25.00 for non-members. Please, contact us for more information.
Yes. For wire instructions, click here.
Credit unions are non-profit and exist to help people, not to make a profit. As such, all earnings are returned to their members in the form of high-interest savings and low rate loans.
A volunteer board of directors, elected by the members, governs a credit union. With their vote, each member has a direct impact on the direction of the credit union. Also, "people helping people" is the credit union philosophy.
A credit union's goal is to serve all of their members equally and provide charitable contributions to their community. Credit unions are owned by their members. Each member gets one vote and an equal say in how the credit union is run.
Your money is insured by the National Credit Union Administration (NCUA), an independent agency of the United States Government. Your savings is federally insured up to $250,000 and backed by the full faith and credit of the United States Government.
For more information visit: http://www.ncua.gov/Legal/GuidesEtc/GuidesManuals/NCUAYourInsuredFunds.pdf