Valley Credit Union Sheffield AL | Best Auto Loans & Business Banking

Introduction

Welcome to Valley Credit Union, your trusted financial partner located at 323 N Nashville Ave, Sheffield, AL 35660. Established in 1956, our credit union has grown into a community cornerstone, proudly serving 5,857 members with a commitment to personalized service and financial well-being. With total assets exceeding $103 million, we provide a wide range of services designed to meet your unique financial needs. At Valley Credit Union, we believe that banking should be more than just transactions; it's about building relationships within our community. Our dedicated team, led by CEO Dawn Truitt and Board President Tony Riley, works tirelessly to ensure that each member receives the attention and support they deserve. While you can visit us at our Sheffield 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 for personal banking options such as checking and savings accounts, auto loans, or even business banking solutions, we have you covered. Our robust portfolio includes over $7.5 million in total deposits and a strong net worth of $14.8 million, reflecting our stability and commitment to secure banking. We also manage approximately $31.7 million in loans and leases tailored to help you achieve your financial goals. With modern conveniences like online and mobile banking, an ATM for quick cash access, and drive-thru services for your ease, we strive to make banking simple and accessible for everyone. Our friendly staff is here to assist you during our operating hours from Monday through Friday. We invite you to experience the difference at Valley Credit Union today! For more information or assistance, don't hesitate to call us at 256-381-6252 or visit our website at valleycu.org. Your financial journey starts here!

Branch History & Mission

Community Engagement

Community involvement is at the heart of what we do. Through various outreach programs and partnerships with local organizations, we strive to make a positive impact on the lives of those around us. Our team regularly participates in events that promote financial literacy and support local initiatives aimed at improving quality of life. For those who prefer face-to-face interactions, we offer drive-thru banking services for quick transactions alongside our friendly lobby hours from Monday to Friday. Need assistance? Don't hesitate to reach out at 256-381-6252 or visit us at our Sheffield location. While members can visit us at 323 N Nashville Ave, official correspondence should be sent to P.O. BOX 388, TUSCUMBIA, AL 35674. As we continue to grow and evolve since opening our doors nearly seven decades ago, we remain steadfast in our commitment to serving you better every day. Join us at Valley Credit Union and experience firsthand how we can help you achieve your financial goals while being part of a caring community. Together, let's build a brighter future!

Our Mission

At Valley Credit Union, our mission is clear: we are committed to offering personalized banking solutions that meet the diverse needs of our members while actively contributing to the well-being of our community. We believe that everyone deserves financial security and the opportunity to achieve their dreams. That's why we provide a range of services including checking and savings accounts, auto loans, mortgages, personal loans, and business banking options. We understand that convenience matters in today's fast-paced world. That's why we've embraced digital advancements such as online banking and mobile payments, ensuring that managing your finances is as easy as possible. Our branch is also fully ADA compliant, making it accessible for all members of our community.

Branch Location & Accessibility

Convenient Features

Our branch is designed with your convenience in mind. We have ample parking available, making it simple for you to drop in and take care of your banking needs. Our facility is also ADA compliant, ensuring everyone can easily access our services.

Get in Touch

Have questions? We're here for you! Give us a call at 256-381-6252 or simply stop by during our operating hours. Our friendly team is ready to assist you with all your banking needs. Come visit us today at Valley Credit Union we look forward to serving you!

Operating Hours

At Valley Credit Union, we understand that your time is valuable. That's why we offer convenient hours for you to visit us. Our lobby is open from Monday through Thursday from 8:45 AM to 4:30 PM and on Friday from 8:45 AM to 5:00 PM. We strive to accommodate your busy schedule!

Services Offered

When you come into Valley Credit Union, you'll find a range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to loans for auto financing and mortgages, we're here to help you achieve your goals. Plus, if you're in a hurry, take advantage of our drive-thru banking for quick deposits or withdrawals. Need cash? You can access our ATM right outside the branch for quick withdrawals or balance checks anytime.

Member Eligibility

Becoming a member of Valley is more than just opening a bank account; it's about joining a friendly and supportive community that values your financial well-being. If you live, work, or attend school in the area surrounding 323 N Nashville Ave Sheffield Al 35660, you're already on the right path to becoming part of our family. We warmly welcome individuals from all walks of life, ensuring that everyone has access to our great services. Membership at Valley comes with fantastic benefits like competitive rates on loans and savings accounts, personalized service, and community-focused initiatives designed to help you thrive. Getting started is simple! You can find all the details about eligibility and the process for opening an account by visiting our website at . If you have any questions or need assistance, feel free to give us a call at (256) 381-6252. We can't wait to welcome you into our Valley family!

Business Banking & Commercial Services

Business Loans Tailored 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. If you're not a member yet, don't worry! We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions tailored to your needs.

Merchant Services That Make Transactions Easy

Imagine running your business without worrying about payment processing. Our merchant services simplify transactions so you can focus on what you do best serving your customers. From point-of-sale systems to online payment solutions, we provide the tools necessary for seamless cash flow management. With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses. Stop by our branch at 323 N Nashville Ave Sheffield Al 35660 or give us a call at (256) 381-6252 to learn how we can help your business thrive today!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash quickly? Our ATMs are available for basic transactions like withdrawals and balance checks without any hassle. Plus, our drive-thru banking offers an easy way to handle deposits and withdrawals without leaving your car. At Valley, we strive to create an inviting atmosphere where all members feel valued. If you're ready to explore how our services can benefit you or if you have questions about any specific offerings, please reach out! Call us at (256) 381-6252 or visit us at our branch location in Sheffield. We look forward to serving you!

Auto Loans & Vehicle Financing

Thinking about buying a new car? Our auto loans and vehicle financing options can help make that dream a reality. With flexible terms and competitive rates, getting behind the wheel of your next vehicle is easier than ever. Imagine cruising down the road in a car you love our team is here to guide you through the process smoothly.

Business Banking

For business owners, we provide tailored solutions such as merchant services and business loans designed to help you thrive in today's competitive market. Whether you're just starting out or looking to expand, we have resources available that can support your growth.

Credit Cards with Rewards

Our credit cards with rewards not only allow you to make purchases but also earn points for every dollar spent. Use these rewards for travel, shopping, or even cash back it's like getting rewarded for spending!

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we prioritize our online and mobile banking services, allowing you to manage your accounts anytime, anywhere. From checking balances to making transfers or paying bills, our digital platform makes banking easy and efficient.

Mortgage Loans & Refinancing

Buying a home is one of the biggest decisions you'll make. At Valley, we offer comprehensive mortgage loans and refinancing options to fit your budget and lifestyle. Let us help you navigate the steps toward homeownership or lower your monthly payments through refinancing. Picture yourself settling into a space that feels just right; we're here to help you get there.

Personal Banking

Managing your money should be simple and accessible. We offer various checking and savings accounts tailored for individuals and families, ensuring you have the tools you need to manage your finances effectively. Whether you're saving for a special event or just looking for a safe place to keep your funds, our accounts come with competitive rates and no hidden fees.

Personal Loans & Debt Consolidation

If you're facing unexpected expenses or trying to manage debt, our personal loans can provide the financial relief you need. Consider consolidating high-interest debts into one manageable payment this way, you can simplify your finances while potentially saving on interest.

Digital & Online Banking

Key Services

Our online banking services include everything from checking your balance to transferring funds. You can easily manage your money with features like E-Statements, which allow you to view your account statements electronically no more waiting for the mail! Plus, we offer Person-to-Person Transfers, making it simple to send money to friends or family instantly. For those on the go, our Mobile Application ensures that you have access to your accounts right in your pocket. You can make mobile payments seamlessly, ensuring you never miss a beat whether you're shopping or paying bills. Plus, with 24/7 Online Banking Services, help is always just a click away.

Security and Accessibility

We prioritize your security, ensuring that all transactions are protected with advanced safety measures. While we currently do not support electronic signature authorization, we still provide secure options for managing your accounts digitally. Our user-friendly interface allows you to navigate effortlessly, so you can focus on what really matters your financial goals. In summary, Valley's digital and online banking services empower you to take charge of your finances with ease. Whether you're checking balances or making quick payments, we're here to support you every step of the way. Explore our offerings today at https://www.valleycu.org/ and discover how easy banking can be!

Financial Strength

Commitment to Growth

Our commitment to growth is evident with $13,681,637 in undivided earnings, which allows us to reinvest in innovative banking tools and stronger lending options. With $750 in used auto loans and $35,024,424 in total loans and leases, we support our members' financial goals across various sectors.

Dedicated Team of Professionals

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. Our recent $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members.

Member Trust and Engagement

Total Share Accounts stand at 11,344, showcasing a strong and growing member base that trusts us with their finances. Our commitment to serving you means you can bank with confidence knowing that your needs come first. 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 323 N Nashville Ave Sheffield Al 35660 or call (256) 381-6252 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.*

Secure Savings Options

Your savings are in good hands at Valley. We have secured $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' needs over profits, which is why our resources are focused on benefiting you through better loan rates and lower fees.

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 $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.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have already issued over $10,400,008 in used vehicle loans and $2,589,327 in new vehicle loans to help our members get on the road with confidence. Whether you're purchasing a brand-new model or a reliable used vehicle, our financing options make it easier than ever.

Credit Lines

For those who need flexibility in managing cash flow, our total credit lines available amount to $2,000,000. This option allows you to access funds as needed without the hassle of applying for multiple loans. Our team at Valley is dedicated to providing personalized service and support throughout your borrowing experience. If you're interested in refinancing any existing loans or want more information on eligibility options for our products, please reach out to us. For more details or to apply for one of our loan products today, visit us at 323 N Nashville Ave Sheffield AL 35660 or give us a call at 256-381-6252. We are here to help you navigate your financial journey every step of the way. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $99,318, making buying or refinancing simple and straightforward. We are committed to guiding you through the mortgage process so you can find the best solution for your situation.

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 competitive rates and rewards that can help you maximize your spending power while keeping your budget on track.

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VALLEY CREDIT UNION - Sheffield, AL