P.O. BOX 388
Tuscumbia, AL 35674


2018 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 60930
Date Established 1956
Assets $70.95 million
Loans $28.43 million
Deposits $58.86 million
Capital $12.09 million

Valley is an NCUA insured institution located in Tuscumbia, AL. It was founded in 1956 and has approximately $70.95 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 22, 2018

Your Current Location: Virginia, VA 20146

CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD 10K
0.45% $500 - Learn MoreShow Less
6 Mo CD 10K
0.90% $500 - Learn MoreShow Less
Savings Rates (Share Account Rates) APY MIN MAX
Fixed IRA 0K
1.35% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA 0K
0.25% $25 - Learn MoreShow Less
MM 10K
0.30% $2,500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.15% $2,500 - Learn MoreShow Less

Loan Rates - September 22, 2018

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 2018

Lender APR Rate (%) Points Fees Monthly
Learn More NMLS#2890
NMLS ID: 2890
License#: MC-3098
4.544% 4.500% 0.13 $1,400 $1,267 Learn More
PenFed Credit Union
NMLS ID: 401822
4.836% 4.750% 0.00 $2,500 $1,305 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Flagstar Bank 5.740% $291.47 Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.990% $238.42 Learn More

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
19.13% 6.94

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, 2018, Valley had $1,675,428 in non-current loans and $684,843 in owned assets. To cover these potential losses it had $12,093,288 in net worth and $244,147 in loans loss reserves. That gives it a Texas Ratio of 19.13%.

Net Worth
Valley U.S. Average
17.04% 13.08%

Valley FCU has a net worth of 17.04% versus the BestCashCow average of 13.08. 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 On Valley

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 $12.09 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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