2019 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 60930
Date Established 1956
Assets $75.56 million
Loans $26.82 million
Deposits $63.21 million
Capital $12.36 million

Valley is an NCUA insured institution located in Tuscumbia, AL. It was founded in 1956 and has approximately $75.56 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 - September 16, 2019

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.30% $2,500 - Learn MoreShow Less
Fixed IRA
1.50% $500 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.25% $500 - Learn MoreShow Less
6 Mo CD
1.10% $500 - Learn MoreShow Less
12 Mo CD
1.25% $500 - Learn MoreShow Less
18 Mo CD
1.50% $500 - Learn MoreShow Less
24 Mo CD
1.50% $500 - Learn MoreShow Less
30 Mo CD
1.50% $500 - Learn MoreShow Less
36 Mo CD
1.50% $500 - Learn MoreShow Less
48 Mo CD
1.50% $500 - Learn MoreShow Less
60 Mo CD
1.50% $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 - September 16, 2019

Your Current Location: Connecticut, CT 06828

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 - Connecticut 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 13256
3.761% 3.750% 0.13 $352 $1,158 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$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.


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

Your Location:

Valley Locations

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
15.90% 6.77

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 March 31, 2019, Valley had $1,492,619 in non-current loans and $511,585 in owned assets. To cover these potential losses it had $12,360,592 in net worth and $242,166 in loans loss reserves. That gives it a Texas Ratio of 15.90%.

Net Worth
Valley U.S. Average
16.35% 13.47%

Valley FCU has a net worth of 16.35% versus the BestCashCow average of 13.47. 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

Branches and Savings

What is Valley?

A federal credit union, registered with the NCUA under certificate #60930.
Learn more about credit unions here.

Is Valley FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Valley?

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

What are Valley's share account and share certificate rates?

Valley'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?

Valley has total capital of $12.36 million. Full information on Valley's financial position is located above.

Who owns Valley?

Credit Unions are owned by their members.

Where are Valley branches located?

See branch locations nearby.

Are Valley ATMs Open 24/7?

Do Valley ATMs accept cash deposits?

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

Does Valley have a mobile app?

Does Valley have mobile deposit?

Does Valley have quick pay?

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

Does Valley report to credit bureaus?

Does Valley use Chexsystems?

Does Valley use Equifax?

What is Valley's toll free phone number?

What is Valley's ACH Routing Number?

What is Valley's SWIFT code?

Where can I find Valley's wire transfer form?

What is the Valley address for deposits?

What Products Does Valley Offer

Does Valley offer mortgages?

Compare mortgage rates here.

Does Valley offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Valley offer auto and RV loans?

Compare auto loan rates here.

Does Valley offer student loans or personal loans?

Compare personal loan rates here.

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