Valley 1st Community Federal Credit Union


815 Schoonmaker Ave
Monessen, PA 15062
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.75% →
2-Year CD N.A. 0.80% →
5-Year CD N.A. 1.25% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Valley 1st Community is an NCUA insured institution located in Monessen, PA. It was founded in 1935 and has approximately $94.93 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 649
Date Established 1935
Assets $94.93 million
Loans $28.15 million
Deposits $72.75 million
Capital $21.07 million

Field of Membership Restrictions

Membership is open to those who live, work or worship in the communities of Rostraver Township, Donora, Monessen, Sewickley Township, East Huntingdon Township, South Huntingdon Township, Sutersville, Smithton, Madison, West Newton, Mt. Pleasant or Scottdale and their families.

Deposit Rates - October 24, 2021

Your Current Location: Connecticut, CT 06828

We do not yet have rates for Valley 1st Community

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Loan Rates - October 24, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for VALLEY 1ST COMMUNITY

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.736% 3.625% 0.88 $3,438 $1,141 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
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Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

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Below are Valley 1st Community branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Valley 1st Community Locations

Climate Initiatives

VALLEY 1ST COMMUNITY is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

Financial Details

Valley 1st Community Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Valley 1st Community. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Valley 1st Community U.S. Average
1.80% 3.79

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2021, Valley 1st Community had $283,821 in non-current loans and $100,000 in owned assets. To cover these potential losses it had $21,074,130 in net worth and $276,204 in loans loss reserves. That gives it a Texas Ratio of 1.80%.

Net Worth
Valley 1st Community U.S. Average
22.2% 12.22%

Valley 1st Community FCU has a net worth of 22.2% versus the BestCashCow average of 12.22. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Valley 1st Community

Branches and Savings

What is Valley 1st Community?

A federal credit union, registered with the NCUA under certificate #649.
Learn more about credit unions here.

Is Valley 1st Community FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. Valley 1st Community is insured by the NCUA.

Who can join Valley 1st Community?

Please see Field of Membership information above for information on who is eligible to join.

What are Valley 1st Community's share account and share certificate rates?

Valley 1st Community's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Valley 1st Community?

Valley 1st Community has total capital of $21.07 million. Full information on Valley 1st Community's financial position is located above.

Who owns Valley 1st Community?

Credit Unions are owned by their members.

Where are Valley 1st Community branches located?

See branch locations nearby.

Are Valley 1st Community ATMs Open 24/7?

Do Valley 1st Community ATMs accept cash deposits?

Can Valley 1st Community customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Valley 1st Community have a mobile app?

Does Valley 1st Community have mobile deposit?

Does Valley 1st Community have quick pay?

How can Valley 1st Community transfer money to other banks or credit unions?

Does Valley 1st Community report to credit bureaus?

Does Valley 1st Community use Chexsystems?

Does Valley 1st Community use Equifax?

What is Valley 1st Community's toll free phone number?

What is Valley 1st Community's ACH Routing Number?

What is Valley 1st Community's SWIFT code?

Where can I find Valley 1st Community's wire transfer form?

What is the Valley 1st Community address for deposits?

What Products Does Valley 1st Community Offer

Does Valley 1st Community offer mortgages?

Compare mortgage rates here.

Does Valley 1st Community offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Valley 1st Community offer auto and RV loans?

Compare auto loan rates here.

Does Valley 1st Community offer student loans or personal loans?

Compare personal loan rates here.

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