VALLEY CREDIT UNION

Welcome to Valley Credit Union, your trusted financial partner located at 304 S Pine St, Florence, AL 35630. Since our establishment in 1956, we have proudly served our members with dedication and commitment, fostering a community of financial well-being. With a growing membership of 5,857 individuals, we are more than just a credit union; we are a family that looks out for each other's best interests. At Valley Credit Union, we understand that every member has unique financial goals. That's why we offer a wide range of services tailored to meet your needs, including personal banking options like checking and savings accounts, auto loans, mortgage loans, and even credit cards with rewards. Our total assets have reached an impressive $103,092,984, reflecting our solid financial foundation and ability to support your financial journey. Our team is led by the experienced CEO Dawn Truitt and Board President Tony Riley, who are both passionate about ensuring that our members receive the highest level of service. With a total of 31 employees, we strive to create a welcoming atmosphere where you can feel confident managing your finances. While you can visit us at our Florence branch for all your banking needs, please note that official correspondence should be sent to our mailing address: P.O. BOX 388, Tuscumbia, AL 35674. Whether you're looking to save for the future or secure a loan for that dream vehicle, Valley Credit Union is here to help you every step of the way. We invite you to call us at 256-768-1717 or explore our website at valleycu.org to learn more about how we can assist you in achieving your financial goals. Your journey towards better financial health starts here!

At Valley, we believe that everyone deserves a chance to be part of a caring financial community. Becoming a member is easy and welcoming! If you live, work, or worship in the area, you're likely eligible. Our membership is designed for individuals who appreciate personalized service and want to enjoy the benefits of being part of our credit union family. For more detailed eligibility criteria, feel free to check out this resource. Opening an account is a breeze at Valley located at 304 S Pine St Florence Al 35630. Our friendly team is here to help guide you through the process, ensuring you feel right at home. Plus, as a member, you'll gain access to a range of services tailored to your needs, including competitive loan rates and online banking options. If you have any questions or need assistance, don't hesitate to call us at (256) 768-1717. We're excited to welcome you into our community!

At Valley, we understand that running a business comes with its own set of challenges and opportunities. Whether you're a seasoned entrepreneur or just starting out, having the right financial support can make all the difference. Imagine being able to secure a loan that allows you to expand your operations, hire new staff, or invest in essential equipment. 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. - 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. In addition to loans, we offer merchant services designed to streamline your transactions and improve cash flow. Picture this: you can accept payments easily from customers, whether they pay with a card or mobile device. This not only enhances customer satisfaction but also helps you manage finances more efficiently. Visit us at 304 S Pine St Florence Al 35630 in Florence, AL, or give us a call at (256) 768-1717 to learn how our business banking services can empower your entrepreneurial journey!

At Valley, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. Our commitment to maintaining a strong financial foundation is backed by solid metrics that reflect our dedication to serving you. With a net worth of $14,815,120, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,437 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $28,538,153 in share certificates and $11,907,109 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $13,681,637 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our capacity to support your financial needs is reflected in our $750 in used auto loans and $35,024,424 in total loans and leases. Our operational efficiency shines through with a net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 22 full-time employees and 9 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Net Shares (Funds available for lending and investments): $914,169. Total Share and Deposit Accounts: 11,344, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Valley is your trusted partner. Visit us at 304 S Pine St Florence Al 35630 or call (256) 768-1717 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.