Valley Financial Credit Union
Headquarters
Po Box 20417
Billings, MT 59104
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2024 Overview
General Credit Union Information
Valley Financial is an NCUA insured institution located in Billings, MT. It was founded in 1949 and has approximately $442.29 millions in assets.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 68689 |
| Date Established | 1949 |
| Assets | $442.29 million |
| Loans | $320.25 million |
| Deposits | $383.86 million |
| Capital | $53.01 million |
Field of Membership Restrictions
The credit union is a community-based financial institution. People living, working, or worshipping in the credit union's geographic area can become a member and access banking services. Membership is also open to immediate family of current members.
Deposit Rates - April 25, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.05% | $25 | - |
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|
|
Money Market
|
0.07% | $1,000 | $9,999 |
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|
|
Money Market
|
0.10% | $10,000 | $24,999 |
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|
|
Money Market
|
0.15% | $25,000 | $49,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.25% | $1,000 | - |
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|
| 12 Mo CD
|
0.50% | $500 | - |
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|
| 18 Mo CD
|
0.55% | $500 | - |
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|
| 24 Mo CD
|
0.65% | $500 | - |
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|
| 30 Mo CD
|
0.75% | $500 | - |
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|
| 36 Mo CD
|
0.85% | $500 | - |
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|
| 48 Mo CD
|
0.90% | $500 | - |
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|
| 60 Mo CD
|
0.70% | $500 | - |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.20% | $2,500 | $9,999 | Learn More |
Loan Rates - April 25, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Valley Financial
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
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|---|---|---|---|---|---|---|
NMLS ID: 1835285 |
6.734% | 6.625% | 0.88 | $3,600 | $2,049 | Learn More |
NMLS ID: 401822 |
6.806% | 6.625% | 0.88 | $6,000 | $2,049 | Learn More |
NMLS ID: 447490 |
6.817% | 6.750% | 0.63 | $2,189 | $2,076 | Learn More |
NMLS ID: 3029 |
7.008% | 6.875% | 0.88 | $4,492 | $2,103 | Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
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More Info |
Note to Valley Financial
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Branches
Below are Valley Financial 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:
Columbus,Ohio
Climate Policy and Initiatives
VALLEY FINANCIAL is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Valley Financial Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Valley Financial. 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 Financial | U.S. Average |
|---|---|
| 4.63% | 6.97 |
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 December 31, 2023, Valley Financial had $2,478,346 in non-current loans and $99,400 in owned assets. To cover these potential losses it had $53,006,781 in net worth and $2,679,960 in loans loss reserves. That gives it a Texas Ratio of 4.63%.
Net Worth
| Valley Financial | U.S. Average |
|---|---|
| 11.97% | 13.62% |
Valley Financial FCU has a net worth of 11.97% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Valley Financial
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