Valley Credit Union Russellville AL | Affordable Auto Loans & Business Banking

Introduction

Welcome to Valley Credit Union, your trusted partner for financial growth and community support in Russellville, AL. Since our establishment in 1956, we have dedicated ourselves to serving our members with integrity and personalized service. Our branch, located at 111 Lauderdale St Ne, is more than just a place to bank; it's a hub of community connection and financial empowerment. At Valley Credit Union, we pride ourselves on our strong foundation. With over 5,857 members and total assets exceeding $103 million, we are well-equipped to meet your financial needs. Whether you're looking for personal banking solutions such as checking and savings accounts or need assistance with auto loans and mortgages, we're here to help you every step of the way. In fact, we've facilitated over 3,177 loans and leases, demonstrating our commitment to supporting our members' aspirations. Our leadership team, led by CEO Dawn Truitt and Board President Tony Riley, is dedicated to fostering a welcoming environment where every member feels valued. With a total workforce of 31 employees, we ensure that each visit is met with friendly faces ready to assist you. While you can visit us at our 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. We understand that financial journeys can be complex, which is why we offer tools like online and mobile banking for easy access to your accounts anytime, anywhere. With total deposits amounting to $7,541,223 and a robust net worth of $14,815,120, you can trust us with your savings while we work towards helping you achieve your financial goals. Whether you're in need of straightforward advice or advanced banking services like business loans or credit cards with rewards, Valley Credit Union stands ready to assist. Feel free to reach out at 256-332-8923 or visit us online at valleycreditunion.net for more information about how we can serve you better. Together, let's build a stronger financial future!

Branch History & Mission

Community Commitment

Valley Credit Union's impact goes beyond mere numbers; it's about people. We actively engage in community outreach initiatives aimed at supporting local charities and organizations. By partnering with schools and civic groups in Russellville and surrounding areas, we work tirelessly to uplift our community through educational programs and financial literacy workshops. As part of our ongoing commitment to inclusivity, we ensure that our facilities are ADA compliant so that everyone can access our services without barriers. While members can visit us at 111 Lauderdale St NE for all their banking needs, official correspondence should be sent to P.O. BOX 388, TUSCUMBIA, AL 35674. Join us at Valley Credit Union today! Experience firsthand the personalized service that comes from being part of a credit union built by your community for your community. Call us at 256-332-8923 or visit our website for more information about how we can help you achieve your financial goals!

Our Mission

At Valley Credit Union, our mission is clear: to enhance the financial lives of our members while contributing positively to our community. We strive to provide comprehensive services that include checking and savings accounts, auto loans, mortgage financing, personal loans, and business banking options. Our focus is not just on transactions but on building lasting relationships based on respect and understanding. We believe that everyone deserves access to quality financial services. This belief drives us to offer modern conveniences such as online and mobile banking, making it easier for members to manage their finances anytime, anywhere. With features like ATM access and drive-thru banking services available for quick transactions, we ensure that banking remains accessible and user-friendly for all.

Branch Location & Accessibility

Call Us Today!

We invite you to come by Valley Credit Union today! Our friendly staff is eager to assist you with any questions or services you may need. If you'd like to speak with us before visiting, feel free to call us at 256-332-8923. We look forward to serving you!

Convenient Access

Finding us is a breeze! With ample parking available right outside our doors, you can park easily and access our services without hassle. We are proud to be ADA compliant, ensuring that all members of our community can visit us comfortably. If you're on the go, we offer drive-thru banking for quick deposits and withdrawals perfect for busy days!

Operating Hours

Our doors are open Monday through Friday from 8:45 AM to 5:00 PM, with extended hours until 4:30 PM on Thursdays. We're here when you need us, ready to assist you with personal banking services like checking and savings accounts, auto loans, mortgages, and more.

Services at Your Fingertips

At Valley Credit Union, we provide a range of services designed to meet your financial needs. Whether you're interested in applying for a loan or simply want to withdraw cash from one of our ATMs (which are available right on-site), we've got you covered. And if you need help after hours or prefer online services, our mobile and online banking options make managing your finances simple and convenient. While members can visit us at our branch address, official correspondence should be sent to P.O. BOX 388, Tuscumbia, AL 35674.

Member Eligibility

At Valley, we believe that becoming a member is like joining a warm, welcoming family where your financial needs are our top priority. If you're looking to join us, you'll be pleased to know that eligibility is open to anyone who lives, works, or worships in the community surrounding our branch at 111 Lauderdale St Ne Russellville Al 35653. This means if you're part of our local area, you're already on your way to enjoying the benefits of membership! With access to personalized banking services, competitive loan rates, and a supportive team dedicated to your success, membership at Valley truly enhances your financial journey. Ready to take the next step? Opening an account is simple and straightforward. Just give us a call at (256) 332-8923 for more information or visit our website for the latest eligibility details at . We can't wait to welcome you into our community!

Business Banking & Commercial Services

Merchant Services That Matter

In addition to loans, we offer merchant services designed to simplify payment processing for your business. Picture this: a customer walks into your store and makes a purchase using their card. With our reliable merchant services, you can accept payments effortlessly and focus on what truly matters growing your business. Located at 111 Lauderdale St Ne Russellville Al 35653 in Russellville, AL, our team is here to assist you with personalized financial solutions tailored to your needs. Connect with us at (256) 332-8923 or visit our website at https://www.valleycu.org/ to learn more about how we can help your business thrive.

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently have not provided any member commercial loans, we remain dedicated to exploring future opportunities that will empower our local businesses.

Comprehensive List Of Services

Business Banking Solutions

For small business owners, our business banking services include merchant services and business loans tailored to support your growth. Running a business requires efficient financial management, and we're here to help streamline that process.

Credit Cards and Rewards

We understand that every little bit helps, which is why we offer credit cards with rewards. These cards not only provide convenient purchasing power but also allow you to earn points on everyday purchases making it easier for you to enjoy rewards like travel or cash back.

Digital Banking Convenience

In today's world, convenience is key. That's why we offer robust online and mobile banking features that let you manage your accounts from anywhere at any time. Need to transfer funds or pay bills? You can do all this right from your smartphone or computer. We also provide access to an ATM for quick cash withdrawals and balance checks without the hassle of visiting the branch.

Drive-Thru and In-Branch Services

If you prefer face-to-face interactions for simple transactions, our drive-thru service makes it easy to conduct deposits, withdrawals, and other basic banking tasks without leaving your vehicle. For more complex needs, our friendly staff is ready to assist you inside the branch during our operating hours: Monday through Thursday from 8:45 AM to 4:30 PM and Friday until 5:00 PM. At Valley, we aim to make banking as straightforward as possible so that you can focus on what truly matters your life and goals. We invite you to visit us or give us a call at (256) 332-8923 for more information about any of these services. Experience the personal touch of community banking today!

Personal Banking Services

Our personal banking options are tailored for every lifestyle. With checking and savings accounts, you can easily manage your everyday finances while earning interest on your savings. Imagine having the peace of mind that comes with knowing your money is secure and accessible whenever you need it. If you're thinking about purchasing a car, our auto loans and vehicle financing solutions make it easy to drive off in your dream vehicle without breaking the bank. For those considering buying a home or refinancing an existing mortgage, our mortgage loans are designed with competitive rates to help you achieve your homeownership goals. Plus, if you're facing debt challenges, our personal loans and debt consolidation services can help simplify your payments into one manageable monthly bill.

Digital & Online Banking

Key Features

With our robust online banking services, you can easily check your account balances, transfer funds between accounts, and even make person-to-person transfers with just a few clicks. No more waiting in lines or rushing to the bank everything you need is right at your fingertips! Plus, our mobile application is available for download, allowing you to manage your finances from anywhere. Security is always a top priority at Valley. We utilize advanced security measures to keep your information safe while you bank online. Although we currently do not support electronic signature authorization, rest assured that our systems are user-friendly and designed to protect your financial data.

Stay Updated

One of the best features we offer is e-statements. This allows you to receive your bank statements electronically, reducing paper waste and ensuring you have quick access to your financial information whenever you need it. You can also take advantage of mobile payments, making it easy to pay for purchases directly from your phone no cash or cards required! We believe that banking should fit into your lifestyle seamlessly. With Valley, accessing and managing your finances has never been easier or more secure. Join us today and experience the convenience of modern banking!

Financial Strength

Committed Team at Your Service

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. Total Share Accounts stand at 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 111 Lauderdale St Ne Russellville Al 35653 or call 256-332-8923 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

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.

Solid Financial Foundation

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 14.37% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Strong Lending Capacity

With $7,500 in used auto loans and $35,024,424 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our net income of $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $10,400,008 in used vehicle loans and $2,589,327 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new vehicle or a reliable pre-owned car, our flexible terms can make it easier for you to hit the road without breaking the bank.

Credit Lines

For those who want more flexibility in managing their finances, we provide credit lines totaling $2,000,000. This option allows you to access funds as needed while only paying interest on what you use. At Valley, we prioritize our members' needs and offer competitive rates and personalized service. If you're interested in exploring our loan options or have questions about eligibility and refinancing, please don't hesitate to reach out to us at (256) 332-8923. Remember, performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Your financial journey is important to us, and we're here to support you every step of the way!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $99,318, make buying or refinancing simple. We provide various mortgage solutions designed to fit your unique situation. If you're considering refinancing your current mortgage, our team can assist you with that process as well.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $1,008,439 in loans helping members manage their finances effectively. These cards come with features that allow you to handle day-to-day expenses while earning rewards for your purchases.

Loan Aggregator

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Ensuring Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This approach guarantees fair and transparent offers for users seeking loans.

VALLEY CREDIT UNION - Russellville, AL