Teaming up with River Region Credit Union will multiply our staff expertise and resources, improve our service offerings, and strengthen our resources, talent, and technical capabilities.

It will also open membership to more people throughout the state. This increased service area and enhanced access is a win for our members and staff.

• No Terminations: This partnership will not result in job losses. Duties may be reassigned, and positions and responsibilities may change, but no jobs will be lost.
• Career Advancement: This will have a very positive impact on career pathing and advancement opportunities for staff. Our plan to add additional branches in Mid-Missouri and Springfield will further open the door for new roles and positions across the state.

Our name will not immediately change, but the combined boards will approve a new name.

Members will enjoy more access, more locations, and more service hours. Service enhancements will include:

• The return of in-person tellers at all branch locations.
• Saturday drive-thru hours in Jefferson City and Columbia.
• New locations in Ashland and Springfield, as well as improved access across Jefferson City and Columbia.

Our partnership will bring members new products such as

• An expanded checking account lineup with new perks like cashback and matched transaction roundups.
• New credit card options backed by the fraud protection of a major carrier.
• New residential lending options for community heroes, land, and construction loans.
• A new online banking platform with built-in budgeting tools, real-time transaction alerts, and card on/off features with RRCU Card Protect.

Yes. We will have additional locations in Ashland and Springfield, as well as improved access across Jefferson City and Columbia.

As we analyze the best use of combined resources, branches in direct proximity to each other may be repurposed. Staff will be reallocated to another facility or one of the new planned facilities to help facilitate the quality service you have come to enjoy.

Absolutely! Your protected funds will not change. Both credit unions are administered by the NCUA (National Credit Union Administration), and your deposits are federally insured to at least $250,000.

If you have accounts at both Missouri Credit Union and River Region, NCUA allows six months to restructure accounts to ensure all deposits are insured.

Yes. There will be no service interruptions to your debit card. However, be sure to verify the contact information on file for you is accurate so that when new cards are issued, your identity can be verified for card activation.

As always, certificate rates will not change until maturity. Our partnership with River Region will give you access to additional rate and term options.

Your current checks will continue to clear. If new checks are required, we will communicate this change well in advance.

Your dividend rates on current account types are not expected to change. If dividends adjust, changes would be disclosed to members in advance.

Your member number will not immediately change. If changes are required to your member number, we will communicate this change well in advance.

No problem! As we work through the account migrations, these accounts will remain separate. If you have accounts at both credit unions and wish to combine them into one account, please request to do so after all credit union systems have been converted.

Initially, your online banking login credentials will not change. We intend to migrate to a combined online banking platform, which offers a robust suite of bill pay, mobile deposits, external account transfers, and more. We’ll communicate any action needed on your behalf well in advance.

Initially, your mobile banking app will not change. Once we migrate credit union systems, we’ll communicate any action needed to update or change your mobile banking app.

Some fees may adjust slightly. As usual, if any fees adjust, members will receive a full disclosure before it goes into effect.

No. It will have a positive effect on the rates we offer our members. With our combined resources, our ability to maintain low loan rates and competitive interest rates will improve.

There will be no changes to your direct deposits.

Yes, your access to shared branching across the nation will not change.

Your current loan rate and terms will not change. And you’ll retain access to competitive rates for new loans, as always.

Bill pay will have no service interruption.

We will communicate when you may begin using River Region branches to serve your banking needs.

There will be no immediate changes to our contact information, including our phone number. Rest assured, we will communicate any changes that occur to our contact information and otherwise.

Our Saturday hours will remain the same, but once credit union systems are combined, one location in both Jefferson City and Columbia will have live teller drive-thru hours.

There will be more access to video tellers as our PTMs will be manned by our shared contact center.

Yes, loan applications will be accepted as usual and encouraged. You’ll even have access to more loan options with River Region’s robust product line-up.

Mailed ballots will be sent to all voting-age primary account owners in the coming weeks. You may mail in your ballot upon receipt or vote in person at the public meeting to be held later this year. The date, time, and location details of the public meeting will be included with the mailed ballot.