Valley Credit Union Troy MI | Convenient ATM Services Branch

Introduction

A Foundation of Trust and Reliability

As part of our ongoing mission to empower our members, Valley has grown its total assets to an impressive $116,909,613. Our robust financial standing is complemented by a net worth of $14,400,327, demonstrating our stability and commitment to your financial well-being. We understand that trust is earned through transparency and reliability; that's why we maintain a cash reserve of $400,334, ensuring we can always meet your needs.

Community-Centric Approach

We take pride in being more than just a financial institution; we're a part of your community. Our focus on member satisfaction has led us to offer competitive rates on loans and deposits. Currently, we hold total deposits amounting to $5,680,776 and have facilitated over 10,324 loans for our members. Our leadership team under the guidance of CEO Pat Force and Board President Rob Kansky is deeply invested in your success. While members can visit us at our Troy branch for all their banking needs, official correspondence should be directed to the same address: 5600 Crooks Rd, Troy, MI 48098.

Connect with Us Today!

If you're ready to experience exceptional service from a trusted partner in finance, don't hesitate to reach out! You can contact us at 800-228-0333 or visit our website at Valley for more information on how we can assist you today. Join us as we continue to make a positive impact in our community and help you achieve your financial goals!

Branch History & Mission

Community Engagement

Valley is proud of its active role in community outreach. We partner with local organizations to support various initiatives aimed at improving the quality of life in Troy and surrounding areas. Through these efforts, we aim to create opportunities for growth and development within our community. We invite you to join us on this journey. Experience the difference of being part of a credit union that truly cares about its members and their future. Whether you're looking for a loan or simply want to learn more about how we can assist you, don't hesitate to reach out at 800-228-0333. Together, let's build a brighter financial future!

Our Journey

Valley has evolved significantly since its inception. Starting with humble beginnings, we have steadily expanded our services to meet the changing needs of our members. Over the decades, we have embraced innovation while maintaining our commitment to personal service and community involvement. Our growth speaks volumes about the trust and loyalty of our members, who are at the heart of everything we do.

Our Mission

At Valley, our mission is simple yet impactful: to provide accessible financial services that empower individuals and strengthen our community. We believe in building lasting relationships with our members by offering tailored solutions that help them achieve their financial goals. Whether it's through loans for new cars or support for local initiatives, we strive to make a positive difference every day. While you can visit us at our branch address for all your banking needs, official correspondence should be sent to the same address as well. We understand the importance of convenience; however, we currently do not offer ATM services or drive-thru banking. Despite this, our online banking platform allows you to manage your finances easily from home or on-the-go.

Branch Location & Accessibility

Welcome to the Valley Credit Union branch located at 5600 Crooks Rd, Troy, MI 48098! Our location is designed with your convenience in mind, making it easy for you to access all the financial services you need. Whether you're stopping by to open a new account or seeking assistance with your existing ones, our friendly staff is here to help. Situated near popular local spots, our branch is not just a place for banking it's part of the community. If you're coming from downtown Troy or nearby landmarks, you'll find us easily accessible. Plus, our branch is equipped with ADA-compliant features and convenient parking options, ensuring that everyone can visit us without hassle. While members can visit us at 5600 Crooks Rd, official correspondence should be sent to the same address for clarity. Our operating hours are flexible, allowing you to stop by when it fits into your busy schedule. Unfortunately, we currently do not offer drive-thru banking or ATM services at this location. However, our dedicated team is ready to assist you inside the branch. Feel free to reach out via phone at 800-228-0333 if you have any questions or need assistance before your visit. We invite you to come in and experience the friendly service that sets Valley Credit Union apart. Your financial needs are important to us, and we look forward to welcoming you soon!

Member Eligibility

At Valley, we believe that everyone deserves the chance to be part of a caring and supportive community. Becoming a member is simple and welcoming, as we open our doors to individuals who share our values and goals. If you live, work, worship, or attend school in the communities we serve, you're likely eligible to join us! This includes residents of Troy and surrounding areas. Plus, if you have family members who are already part of our credit union, they can sponsor your membership too. Joining Valley means more than just opening an account; it's about being part of something bigger. Our members enjoy a range of benefits including lower loan rates and personalized service that truly puts you first. To learn more about the eligibility criteria, feel free to check out our detailed guide at . If you're ready to take the next step, opening an account is easy! Just reach out to us at (800) 228-0333, or visit us at our branch located at 5600 Crooks Rd Troy Mi 48098. We can't wait to welcome you into our family!

Business Banking & Commercial Services

Merchant Services That Work for You

Imagine being able to accept payments from customers easily while managing your finances effectively. Our merchant services offer practical solutions tailored for your needs. Whether it's processing credit card transactions or managing invoices, we equip you with tools that simplify your operations. Located at 5600 Crooks Rd Troy Mi 48098 in Troy, MI, our team is ready to assist you. Let us be part of your journey towards success! For more information, give us a call at (800) 228-0333 or visit us online at https://www.valleycu.org/ .

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $85 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $17 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $3,990,779, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Digital Banking Convenience

We also recognize the importance of digital banking features that allow you to manage your finances on the go. While our primary focus at this branch is on ATM services, you can still benefit from convenient digital banking options available through our website at https://www.valleycu.org/ . You can check your balances, transfer funds, and manage transactions from the comfort of your home or while you're out and about.

Member-Centric Approach

At Valley, we put our members first. Our friendly team is always ready to assist with any questions or concerns you may have regarding our services. Whether you're a long-time member or new to credit unions, we are here to guide you through every step.

Tailored Banking Solutions

In today's fast-paced world, easy access to your funds is crucial. At Valley, we offer ATM Services Only which allows you to quickly and securely access your money whenever you need it. Imagine needing cash for a spontaneous outing or an unexpected purchase; with our ATM services, you can withdraw cash without any hassle.

Your Financial Partner

Your journey with us doesn't just end with basic services; we aim to be your financial partner for life. We encourage you to reach out via phone at (800) 228-0333 if you have any questions about how our services can fit into your financial goals or if you'd like more information about joining our community. As we continue to expand our offerings and enhance member experiences, stay tuned for future updates that may include more comprehensive banking options right here at Valley. If you're ready to take control of your finances with a credit union that cares about you, visit us today at 5600 Crooks Rd Troy Mi 48098 in Troy, MI. We look forward to serving you!

Digital & Online Banking

Key Features

One of the standout features is our ability to facilitate person-to-person transfers. This means you can send money to friends or family quickly and securely without the hassle of cash or checks. Plus, if you prefer the traditional paperless option, we provide e-statements that allow you to keep track of your transactions without cluttering your mailbox. For those on the go, our mobile application makes banking even easier. You can manage your finances right from your smartphone, making it simple to stay updated wherever life takes you. While we currently do not support mobile payments, our app offers a user-friendly interface that allows for quick navigation and easy access to all your banking needs. Security is also a top priority at Valley. While we do not offer electronic signature authorization at this time, our systems are designed with robust security measures in place to protect your personal information. In summary, whether you're at home or out and about, our digital banking options provide accessibility and ease-of-use for real-time account management. Join us today at https://www.valleycu.org/ and discover how convenient banking can be!

Financial Strength

Growing Member Base

We proudly serve 16,469 total share accounts, showcasing a strong and growing member base that trusts us with their finances. This reflects our dedication to fostering relationships within the community while supporting your financial journey. 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 5600 Crooks Rd Troy MI 48098 or call 800-228-0333 to learn more about how we can help you achieve your financial goals.

Investment in Our Community

With $14,318,979 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity supports your financial goals across various sectors with $39,877,418 in total used auto loans and $84,681,375 in total loans and leases.

Member-Centric Savings Solutions

Members' savings are secured through $40,522,565 in share certificates and $11,607,323 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 current operational efficiency is reflected by a net income of $0, showing our commitment to keeping costs low while maintaining high-quality service for our members. We also take pride in having 18 full-time employees who are ready to assist you with any questions or needs you may have.

Solid Financial Health

With a net worth of $14,400,327, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 1231 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

Additional Options

If you're considering refinancing options or would like to know more about eligibility requirements for any of our loan products, please don't hesitate to reach out! You can contact us at 800-228-0333 for personalized assistance. All performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. At Valley, we're here to help you navigate your financial journey every step of the way!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $22,977,493 in used vehicle loans and $5,824,639 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable used vehicle, we can help make your purchase more affordable.

Business Financing

For business owners, our outstanding commercial loans totaling $3,990,779 provide the capital needed to grow and expand your business. We understand the challenges entrepreneurs face and are committed to supporting you with tailored financing solutions.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $15,283,418, designed to fit various budgets and situations. Let us assist you in taking this significant step towards owning your own home.

Unsecured Credit Card Loans

Managing everyday expenses is essential, and we also offer flexible terms on unsecured credit card loans. With a total of $2,385,632 in loans helping members manage their finances effectively, our credit cards come with competitive rates and no hidden fees.

Loan Aggregator

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 ensures fair and transparent offers. Each loan option listed is backed by reliable data, helping you to make informed choices without confusion.

The Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency in what you see. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that truly reflect the market. - Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, users can quickly find options that best fit their needs. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

VALLEY CREDIT UNION