315 Franklin Ave
Scranton, PA 18503
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.66% →
1-Year CD N.A. 0.75% →
2-Year CD N.A. 0.81% →
5-Year CD N.A. 1.15% →
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

Valor is an NCUA insured institution located in Scranton, PA. It was founded in 1954 and has approximately $228.37 millions in assets.

Who can join?

Membership is no longer limited to just the Tobyhanna Army Depot. It has expanded to include Select Employee Groups (SEGs), certain area Associations, proximity to the Veterans Memorial Bridge, and family ties.

In addition, if you are employed within a three-mile radius of the Veterans Memorial Bridge (formerly the Interborough Bridge) spanning the Broadhead Creek between East Stroudsburg and Stroudsburg you are eligible to join the credit union.

If you have an immediate family member who is already a member or is eligible to become a member then you are also eligible for membership.
Immediate family is defined as:
• Spouse
• Child
• Sibling
• Parent
• Grandparent
• Grandchild
• Stepparents
• Stepchildren
• Stepsiblings
• Adoptive Relationships
• Persons living on the same household
o "Household" is defined as persons living in the same residence maintaining a single economic unit, including domestic employees and others that live together as a family unit. An individual may be considered to be living in the same household although he or she is temporarily absent from the residence - for instance: children in college, or a family member in the military.

If you are or choose to become a member of or volunteer with one of the following organizations, you may be eligible to join TobyFCU: American Consumer Council, Lackawanna River Corridor Association, Tobyhanna Army Depot Chapter of the Association of the United States Army

If you don't work for a SEG in any of the counties above and you do not qualify for membership through an immediate family member or one of the listed associations, you may still qualify.

If you are a spouse of a person who died while he/she was a member, you are eligible for membership. You can join if you are civilian or military personnel of the Department of Defense who work at or who are assigned to the Tobyhanna Army Depot. If you are a retired member of the US Armed Forces who are eligible by law or regulation to receive and are receiving benefits or services from the Tobyhanna Army Depot, you qualify for membership. Lastly, if you are an employee of non-appropriated fun activities who works at the Tobyhanna Army Depot, you also qualify for membership.

NCUA Insured Yes / Federally Chartered
Charter Number # # 9198
Date Established 1954
Assets $228.37 million
Loans $160.45 million
Deposits $215.04 million
Capital $18.39 million

Field of Membership Restrictions

Membership is open to anyone through joining the American Consumer Council ($5 fee) or through Tobyhanna Army Depot Chapter of the Association of the United States Army ($34 fee for civilians). Membership is also open to those who work within a 3-mile radius of Veterans Memorial Bridge between East Stroudsburg and Stroudsburg, Pennsylvania or employees of over 200 Select Employer Groups.

Deposit Rates - March 8, 2021

Your Current Location: Connecticut, CT 06828

We do not yet have rates for Valor

We're working to get deposit rates for every credit union in the world. Please bare with us until we are able to get rates for this credit union.

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Loan Rates - March 8, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for VALOR

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
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NMLS ID: 2890
License#: 13256
2.924% 2.875% 0.63 $1,562 $1,038 Learn More
Rocket Mortgage
NMLS ID: 3030
3.620% 3.500% 1.00 $3,750 $1,123 Learn More
First Internet Bank
NMLS ID: 424182
2.934% 2.875% 0.75 $1,900 $1,038 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
People's United Bank, N.A.
People's United Bank, N.A.
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4.000 %
$0 Learn More
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Third Federal Savings and Loan
Third Federal Savings and Loan
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2.240 %
$0 Learn More
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Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
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Note to VALOR
To upload and update your bank's rates please register. It is free to register and add rates.



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Financial Details

Valor Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Valor. 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
Valor U.S. Average
18.98% 4.42

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 September 30, 2020, Valor had $3,646,488 in non-current loans and $714,513 in owned assets. To cover these potential losses it had $18,389,789 in net worth and $4,586,295 in loans loss reserves. That gives it a Texas Ratio of 18.98%.

Net Worth
Valor U.S. Average
8.11% 12.91%

Valor FCU has a net worth of 8.11% versus the BestCashCow average of 12.91. 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 Valor

Branches and Savings

What is Valor?

A federal credit union, registered with the NCUA under certificate #9198.
Learn more about credit unions here.

Is Valor 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. Valor is insured by the NCUA.

Who can join Valor?

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

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

Valor'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 Valor?

Valor has total capital of $18.39 million. Full information on Valor's financial position is located above.

Who owns Valor?

Credit Unions are owned by their members.

Where are Valor branches located?

See branch locations nearby.

Are Valor ATMs Open 24/7?

Do Valor ATMs accept cash deposits?

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

Does Valor have a mobile app?

Does Valor have mobile deposit?

Does Valor have quick pay?

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

Does Valor report to credit bureaus?

Does Valor use Chexsystems?

Does Valor use Equifax?

What is Valor's toll free phone number?

What is Valor's ACH Routing Number?

What is Valor's SWIFT code?

Where can I find Valor's wire transfer form?

What is the Valor address for deposits?

What Products Does Valor Offer

Does Valor offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Valor offer auto and RV loans?

Compare auto loan rates here.

Does Valor offer student loans or personal loans?

Compare personal loan rates here.

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