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

Introduction

Welcome to Valley Credit Union, your trusted financial partner in the heart of Tuscumbia, Alabama. Established in 1956, we have grown alongside our community, proudly serving over 5,800 members with a commitment to providing exceptional banking services. Located at 200 E 6Th St, Tuscumbia, AL 35674, our branch is dedicated to helping you reach your financial goals. At Valley Credit Union, we understand that financial needs vary from person to person. That's why we offer a range of services including checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards tailored just for you. With total assets exceeding $103 million and total deposits of $7,541,223, we are well-equipped to support our members' aspirations. Our leadership team is dedicated to fostering a strong community spirit. Under the guidance of CEO Dawn Truitt and Board President Tony Riley, we strive to create an environment where every member feels valued and supported. With a solid net worth of $14,815,120 and a cash reserve of $722,610, you can trust that your finances are in safe hands. While members can visit us at our physical location for all banking needs, official correspondence should be sent to our mailing address: P.O. BOX 388, TUSCUMBIA, AL 35674. We invite you to experience the difference of being part of a credit union that truly cares about its members. Whether you want to open an account or inquire about loan options, don't hesitate to reach out. Call us today at 256-381-4800 or explore more about our services on our website Valley Credit Union. Let's work together towards achieving your financial dreams!

Branch History & Mission

Our Journey

Valley Credit Union began its journey with a simple mission: to provide accessible financial services that empower our members. As we evolved, we expanded our offerings to include personal banking solutions like checking and savings accounts, auto loans, mortgage financing, and credit cards with rewards. Our commitment to innovation has kept pace with technology; today, we offer online and mobile banking options that make managing your finances easier than ever. Located at 200 E 6th St in Tuscumbia, our branch is easily accessible to all members. We invite you to visit us during our operating hours Monday through Thursday from 8:45 AM to 4:30 PM and Friday until 5:00 PM. If you need assistance outside of these hours or prefer a quick transaction, we also have an ATM on-site and drive-thru banking available for your convenience. While members can visit us at our branch address, official correspondence should be sent to P.O. BOX 388, Tuscumbia, AL 35674.

Our Mission

At Valley Credit Union, our mission goes beyond just offering financial products; it's about building relationships within our community. We strive to create an inclusive environment where everyone feels welcome and supported. Our initiatives focus not only on financial education but also on community outreach programs that enhance the quality of life for all residents. As part of our commitment to serving you better, we ensure that our services are ADA compliant and user-friendly for everyone. We believe that banking should be simple and accessible for all. Join us as we continue this journey together! Experience the benefits of being a member at Valley Credit Union where your needs are our priority. Whether you're looking for reliable financial services or ways to engage with your community, we invite you to become part of our family. For more information about joining or accessing our services, feel free to reach out at 256-381-4800 or visit us online at Valley Credit Union. Let's build a brighter financial future together!

Branch Location & Accessibility

Accessibility Features

At Valley Credit Union, we prioritize accessibility. Our branch is equipped with ADA-compliant features, including ramps to ensure everyone can easily access our services.

Nearby Landmarks

You can find us just a stone's throw away from the vibrant downtown area, making it simple to swing by while enjoying local shops or grabbing a bite to eat. With ample parking available, visiting us is stress-free!

Operating Hours

We understand that life can be busy! That's why we offer flexible hours for your convenience. Visit us Monday through Thursday from 8:45 AM to 4:30 PM and on Friday from 8:45 AM to 5:00 PM. Whether you need assistance with personal banking, auto loans, or anything in between, our dedicated team is ready to assist you during these hours.

Services Offered

Our branch provides a range of services designed to meet your needs. From checking and savings accounts to auto loans and credit cards with rewards, we have something for everyone. Need cash? We have an ATM on-site for easy withdrawals or balance checks. Plus, if you're looking for a quick transaction, our drive-thru banking service makes it even easier. While members can visit us at 200 E 6Th St Tuscumbia Al 35674, official correspondence should be sent to P.O. BOX 388, TUSCUMBIA, AL 35674. Don't hesitate to reach out! Give us a call at (256) 381-4800 or stop by today our friendly staff is eager to help you achieve your financial goals!

Member Eligibility

Becoming a member of Valley is like joining a welcoming community where your financial well-being is our top priority. If you live, work, or worship in the Tuscumbia area, you're likely eligible to join us! We value our members and are committed to providing personalized services that cater to your needs. For the latest details on eligibility criteria, please check out our website at . It's an easy process to start your membership journey with us, and we're here to help every step of the way. Opening an account at Valley is straightforward and hassle-free. You can visit us at our branch located at 200 E 6Th St Tuscumbia Al 35674, or give us a call at (256) 381-4800 for any questions you may have. We're ready to assist you in taking this important step towards better financial health!

Business Banking & Commercial Services

Business Loans That Fuel 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. - 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

In today's fast-paced market, having efficient payment solutions can make a significant difference. Our merchant services allow you to accept payments seamlessly, whether in-store or online. Imagine the convenience of processing transactions quickly, enabling better customer experiences while freeing up your time to focus on growing your business. Visit us at 200 E 6Th St Tuscumbia Al 35674 in Tuscumbia, AL, or give us a call at (256) 381-4800 to explore how our business banking solutions can support your journey toward success!

Comprehensive List Of Services

Additional Services

If you prefer in-person service, visit us at our branch located at 200 E 6Th St Tuscumbia Al 35674, where our friendly staff is ready to assist with everything from basic transactions at our drive-thru to more complex banking needs. We also offer basic ATM access for quick withdrawals and balance checks. At Valley, we strive to create an environment where members feel valued and supported. Whether you're seeking personal finance solutions or business banking assistance, we're here for you. Ready to explore how we can help? Give us a call at (256) 381-4800, or stop by our branch in Tuscumbia, AL today! Your financial journey starts here with us at Valley Credit Union!

Business Banking Solutions

For our local entrepreneurs and businesses, we offer specialized Business Banking solutions including Merchant Services & Business Loans. Whether you're just starting out or looking to expand, we can help set you on the path to success with tailored financing options.

Credit Card Rewards

Don't forget about our Credit Cards with Rewards! These cards not only offer convenience but also let you earn points on everyday purchases think of all those rewards adding up for your next getaway!

Digital Banking Features

In today's fast-paced world, convenience matters. That's why we prioritize our Online & Mobile Banking features. With our user-friendly apps, you can manage your accounts anytime and anywhere. Easily check balances, transfer funds, or pay bills right from your phone. Plus, our ATM & Cash Withdrawal Services ensure that accessing your money is quick and simple.

Personal Banking Services

Our Personal Banking services are crafted with you in mind. From Checking & Savings Accounts that help you manage your daily expenses and save for the future, to Auto Loans & Vehicle Financing options that make getting on the road easier, we have what you need. Imagine driving off in a new car without breaking the bank our competitive rates make it possible! For those looking to purchase their own home, our Mortgage Loans & Refinancing options can guide you through the process seamlessly. Our team is here to help answer questions and provide advice tailored to your situation. If you're juggling multiple debts, consider our Personal Loans & Debt Consolidation services to simplify your finances.

Digital & Online Banking

Key Features

We know that security is a top priority. That's why we ensure that all transactions are protected with robust security measures. Plus, if you're looking for a faster way to handle payments, our mobile payments feature allows you to make purchases directly from your mobile device. Whether you're buying coffee or paying bills, this feature simplifies everyday transactions. Additionally, our user-friendly mobile application provides you with all the tools you need at your fingertips. You can manage your accounts, set up alerts, and even view e-statements making it easier than ever to stay informed about your finances. Speaking of e-statements, they are available to help reduce paper clutter while keeping all your important documents easily accessible. Need to send money to a friend? With our person-to-person transfer option, sending funds is as simple as a few taps on your phone. This feature is perfect for splitting bills or sharing expenses quickly and conveniently. While electronic signature authorization isn't offered at this time, we're committed to providing secure options for all our members' needs. At Valley, we strive to create a banking environment that not only meets but exceeds your expectations. Explore all these features today by visiting us online at https://www.valleycu.org/ and take full advantage of what modern banking has to offer!

Financial Strength

Growing Member Base

With total share accounts reaching 11,344, we have built a strong and growing member base that trusts us with their finances. Our net shares available for lending stand at $914,169, which shows our commitment to providing you with the funds needed to achieve your dreams. 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 200 E 6Th St Tuscumbia Al 35674 or call (256) 381-4800 to learn more about how we can help you achieve your financial goals.

Member-Focused Resources

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.

Operational Efficiency

Our $0 reflects our operational efficiency, 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.

Reinvesting for Your Benefit

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. Additionally, with $750 in used auto loans and $35,024,424 in total loans and leases, our lending capacity supports members' financial goals across various sectors.

Solid Financial Health

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, with over $10,400,008 in used vehicle loans and $2,589,327 in new vehicle loans already helping members get on the road. We provide flexible terms and refinancing options to ensure that your auto financing fits your budget perfectly.

Credit Lines

If you're looking for additional flexibility in managing your finances, our credit lines totaling $2,000,000 provide easy access to funds when you need them most. These lines are designed for quick access and can be tailored to suit your unique financial situation. At Valley Credit Union, we pride ourselves on our commitment to our members. Our team is here to guide you through every step of the loan application process and answer any questions you may have about eligibility or refinancing options. For more information or to start your application today, give us a call at 256-381-4800. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let us help you take the next step toward achieving your financial dreams!

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. We offer competitive rates and personalized service to help you navigate the mortgage process smoothly.

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. This option allows you to make purchases without collateral while enjoying rewards on your spending.

Loan Aggregator

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VALLEY CREDIT UNION - Tuscumbia, AL