Valley 1st Community Credit Union Monessen PA | Best Auto Loans & Business Banking

Introduction

Welcome to Valley 1st Community Federal Credit Union, your trusted financial partner in Monessen, PA! Established in 1935, we have proudly served our community for decades, building a strong foundation of trust and reliability. Located at 815 Schoonmaker Ave, we are dedicated to meeting the diverse financial needs of our 7,244 members. At Valley 1st Community, we understand that each member's journey is unique. With total assets amounting to an impressive $97,022,481 and total deposits of $6,763,810, we are well-equipped to support you whether you're looking for personal banking services like checking and savings accounts or financing options such as auto loans and mortgages. Our commitment goes beyond numbers; it's about fostering relationships within our community. Under the leadership of CEO Michael Rochelle and Board President Mark Soboslai, our team of 21 employees strives to provide exceptional service tailored to your needs. We take pride in offering various services, including online banking, ATM access, and even business banking solutions. While you can visit us at our branch location for all your banking needs, please note that official correspondence should be sent to our mailing address: 815 SCHOONMAKER AVE, MONESSEN, PA 15062-1008. Feel free to reach out at 724-684-8875 during our operating hours from Monday through Friday, 8:30 AM to 4:30 PM. We invite you to explore more about what we offer by visiting our website at www.valley1st.org. Join us today and experience the difference a community-focused credit union can make in your financial journey!

Branch History & Mission

Join Us

As we look to the future, we invite you to join Valley 1st Community and become part of a family that cares about your financial journey. Experience firsthand the benefits of membership from competitive loan rates to personalized service tailored just for you. Together, let's continue building a brighter future for Monessen! For more information about joining us or learning about our services, please call us at 724-684-8875 or visit our website. Your path to better banking starts here!

Our Journey

Located at 815 Schoonmaker Ave, Monessen, PA 15062, our branch has been a cornerstone for countless families and individuals seeking reliable financial services. From our early days serving a handful of members to becoming an essential resource for the community, we have consistently focused on fostering financial wellness and stability. Through the years, we've embraced change while remaining true to our mission: to provide exceptional financial services that empower our members and support the communities we serve. Whether it's offering personal banking solutions like checking and savings accounts or helping members secure auto loans and mortgages, our goal is simple: make banking accessible and beneficial for everyone.

Our Mission

At Valley 1st Community, our mission goes beyond just providing financial products; we aim to enhance lives. We believe in building strong relationships with our members and being actively involved in community outreach efforts. By partnering with local organizations and participating in events that uplift our neighbors, we strive to create a positive impact that resonates throughout Monessen. Our dedicated team operates Monday through Friday from 8:30 AM to 4:30 PM, ensuring that we're here when you need us most. We also offer drive-thru services and ATM availability for your convenience. While members can visit us at 815 Schoonmaker Ave, official correspondence should be sent to 815 SCHOONMAKER AVE, MONESSEN, PA 15062-1008 if different from the branch address.

Branch Location & Accessibility

Convenience and Accessibility

At Valley 1st Community, we pride ourselves on being accessible to all our members. Our location features ample parking and is designed with ADA compliance in mind, ensuring that everyone can easily access our services. If you're looking for quick banking solutions, take advantage of our drive-thru service for deposits and withdrawals without ever leaving your car.

Nearby Landmarks

Our branch is conveniently located near several local landmarks, which makes finding us even easier. If you're coming from downtown Monessen or nearby parks, just head over to Schoonmaker Ave your community credit union awaits! While members can visit us at 815 Schoonmaker Ave, official correspondence should be sent to our mailing address at 815 Schoonmaker Ave, Monessen, PA 15062-1008.

Operating Hours

We are open Monday through Friday from 8:30 AM to 4:30 PM, making it easy for you to visit us during the week. Need assistance? Give us a call at 724-684-8875; our friendly team is here to help!

Services We Offer

At Valley 1st Community Federal Credit Union, we offer a wide range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgages, we have something for everyone. Plus, with ATM availability right at our location, you can access cash whenever you need it.

Visit Us Today!

We invite you to come by and experience the difference at Valley 1st Community. With our welcoming atmosphere and dedicated staff ready to assist you with all your banking needs, you'll feel right at home. We look forward to seeing you soon!

Member Eligibility

At Valley 1st Community, we believe that everyone deserves a chance to be part of a caring and supportive financial family. Becoming a member is simple and welcoming! If you live, work, or worship in Westmoreland County, you're eligible to join us. We also invite immediate family members of current members to come aboard. This means that whether you're looking for personal banking solutions, auto loans, or just a place to save with friendly service, you'll find it here at our branch located at 815 Schoonmaker Ave, Monessen, PA 15062. To learn more about the specific eligibility requirements, feel free to check out our detailed guide here. Opening an account is just as straightforward! You can start your journey with us by following this link to easily open your account online: Account Opening. If you have any questions or need assistance, don't hesitate to give us a call at 724-684-8875. We can't wait to welcome you into the Valley 1st community!

Business Banking & Commercial Services

Financing Options for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. Additionally, we also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Practical Merchant Services

Imagine being able to accept payments effortlessly while focusing on what you do best running your business. Our merchant services make transactions smooth and efficient, allowing you to serve your customers better. From point-of-sale systems to online payment solutions, we've got you covered. Located at 815 Schoonmaker Ave Monessen Pa 15062, Monessen, PA 15062, we're here to empower your business journey. Contact us today at (724) 684-8875 to explore how we can help you achieve your business goals!

Comprehensive List Of Services

Accessible In-Branch Services

If you prefer face-to-face interactions, our branch is equipped with basic drive-thru banking services for deposits, withdrawals, and simple transactions. Our friendly staff is always ready to assist you during lobby hours from Monday through Friday from 8:30 AM to 4:30 PM. No matter what financial service you need, Valley 1st Community is dedicated to helping you achieve your goals with ease and confidence. We invite you to visit us at 815 Schoonmaker Ave or give us a call at 724-684-8875 for more information about how we can serve you better. Join us today and experience the Valley 1st difference!

Business Banking Services

For local business owners, Valley 1st Community also provides dedicated business banking solutions. From merchant services that help streamline your transactions to business loans designed to fuel your growth, we're committed to supporting the entrepreneurial spirit in our community.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features that allow you to manage your accounts anytime, anywhere. Check balances, transfer funds, or pay bills with just a few clicks on your device. Plus, with ATM access available for quick cash withdrawals and balance checks, managing your finances has never been easier.

Credit Cards and Rewards

We understand that rewards matter. That's why we offer credit cards with rewards programs that let you earn points for every purchase. Whether it's cash back or travel rewards, you can choose the card that best suits your lifestyle.

Personal Banking Solutions

Our personal banking services are tailored to give you the flexibility and convenience you need. We offer checking and savings accounts that are perfect for everyday use or saving for that special occasion. If you're considering purchasing a vehicle, our auto loans and vehicle financing options are designed with competitive rates and terms to fit your budget. Looking to buy a home? Our mortgage loans and refinancing services can make your dream of homeownership a reality. For those unexpected expenses or plans that require additional funds, our personal loans and debt consolidation options provide straightforward solutions.

Digital & Online Banking

Enhanced Accessibility

While we currently don't offer mobile payments or person-to-person transfers, our robust online platform ensures that you can still manage your finances effectively. Our user-friendly design allows you to navigate effortlessly and find what you need quickly. In summary, Valley 1st Community is committed to providing accessible and secure digital banking solutions. We aim to empower our members with real-time account management options that fit their busy lifestyles. Visit us today at https://www.valley1st.org/ and discover how easy banking can be!

Key Features

Our online banking platform allows you to manage your accounts anytime, anywhere. With 24/7 online banking services, you can check your balance, transfer funds, and pay bills without needing to visit a branch. Whether you're on the go or relaxing at home, your finances are always within reach. We also provide e-statements for members who prefer a paperless option. This not only helps reduce clutter but also makes it easier to keep track of your transactions in a secure environment. Plus, if you need to sign documents electronically, our electronic signature authorization feature simplifies this process no more printing or scanning! For those who like to bank on their smartphones, our mobile application is available for download. This app gives you all the capabilities of online banking right at your fingertips. From checking balances to making payments, everything is just a few taps away.

Financial Strength

Growing Membership Base

With a total of 9,795 share accounts, we have a strong and growing member base that trusts us with their finances. Our net shares available for lending stand at $94,507, further enhancing our ability to support your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Valley 1st Community is your trusted partner. Visit us at 815 Schoonmaker Ave Monessen PA 15062 or call 724-684-8875 to learn more about how we can help you achieve your financial goals. *Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.*

Member-Focused Savings

Your savings are secure with us. We have $13,891,411 in share certificates and $9,334,955 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With no non-member deposits impacting our resources, we can focus entirely on benefiting you through better loan rates and exclusive perks.

Operational Efficiency

Our positive net income of $0 reflects our operational efficiency while enabling us to continue offering competitive loan rates and solid financial products for our members. Additionally, we take pride in having 19 full-time employees and 2 part-time employees, ensuring that our branches are always ready to serve you with a knowledgeable and committed team.

Reinvestment for Growth

Our commitment to our members is reflected in our $20,665,362 in undivided earnings. This allows us to reinvest in innovative banking tools and stronger lending options to serve you better. With $21,148,399 in total loans and leases, including $2,148 in used auto loans, our lending capacity supports your financial goals across various sectors.

Solid Foundation

With a net worth of $22,781,377, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 2348 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $11,012,097 in used vehicle loans and $6,630,814 in new vehicle loans already helping members get on the road. We make it easy to finance your dream vehicle while keeping your budget in check.

Business Financing

For business owners, our outstanding commercial loans provide the capital needed to grow and expand. While we currently do not have outstanding commercial loans available for non-members, we're committed to providing valuable resources for our community's entrepreneurs. At Valley 1st Community located at 815 Schoonmaker Ave Monessen PA 15062, our dedicated staff is ready to assist you with any questions you may have about our loan products. You can reach us at 724-684-8875 during our lobby hours from Monday through Friday between 8:30 AM and 4:30 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. No matter what your financial needs are, we're here to help. Explore your options today!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $9,470,277, make buying or refinancing simple. Our experienced team is here to guide you through the process and ensure you have all the information needed to make an informed decision.

Unsecured Credit Card Loans

Managing day-to-day expenses can be a challenge. That's why we also offer flexible terms on unsecured credit card loans, with a total of $1,455,276 in loans helping members manage their finances effectively. With our credit cards, you'll enjoy benefits that fit your lifestyle without breaking the bank.

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VALLEY 1ST COMMUNITY FEDERAL CREDIT UNION