P.O. BOX 388
Tuscumbia, AL 35674


2019 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 60930
Date Established 1956
Assets $71.42 million
Loans $28.53 million
Deposits $59.33 million
Capital $12.15 million

Valley is an NCUA insured institution located in Tuscumbia, AL. It was founded in 1956 and has approximately $71.42 millions in assets.

Field of Membership Restrictions

Membership is open to those who live, attend school or work in Franklin, Colbert, Lauderdale or Lawrence Counties in Alabama.

Deposit Rates - February 16, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.40% $2,500 - Learn MoreShow Less
Fixed IRA
2.25% $500 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.55% $500 - Learn MoreShow Less
6 Mo CD
2.05% $500 - Learn MoreShow Less
12 Mo CD
2.25% $500 - Learn MoreShow Less
18 Mo CD
2.46% $500 - Learn MoreShow Less
24 Mo CD
2.53% $500 - Learn MoreShow Less
30 Mo CD
2.80% $500 - Learn MoreShow Less
36 Mo CD
3.05% $500 - Learn MoreShow Less
48 Mo CD
3.25% $500 - Learn MoreShow Less
60 Mo CD
3.25% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.25% $25 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.15% $2,500 - Learn MoreShow Less

Loan Rates - February 16, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for VALLEY

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

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.125% 5.125% 0.00 $0 $1,362 Learn More
Rocket Mortgage
NMLS ID: 3030
4.750% 4.750% 0.00 $0 $1,305 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Flagstar Bank
Flagstar Bank
Intro APR
3.490 %
After Intro: 6.240 %
Intro Period: 6 months
$25,000 Learn More
More Info
PenFed Credit Union
PenFed Credit Union
5.500 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info

Note to VALLEY
To upload and update your bank's rates please register. It is free to register and add rates.


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Financial Details

Valley Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Valley. 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 U.S. Average
9.89% 5.78

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, 2018, Valley had $546,374 in non-current loans and $680,764 in owned assets. To cover these potential losses it had $12,153,799 in net worth and $250,924 in loans loss reserves. That gives it a Texas Ratio of 9.89%.

Net Worth
Valley U.S. Average
17.01% 13.21%

Valley FCU has a net worth of 17.01% versus the BestCashCow average of 13.21. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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*All images, logos and public notes on this page appear courtesy of VALLEY and are not subject to approval of BestCashCow. BestCashCow expressly disclaims all responsibility for this content.