Valley Credit Union Salem OR | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Valley Credit Union, your trusted financial partner in the heart of Salem, Oregon. Established in 1957, we have been proudly serving our community for over six decades. Located at 2096 Mission St Se, we invite you to visit us and discover how we can help you achieve your financial goals. If you need to send official correspondence, please address it to our mailing address: PO Box 12903, Salem, OR 97309. At Valley, we take pride in being more than just a credit union; we are a community hub with a total membership of 6,153 members who trust us with their financial needs. With total assets exceeding $116,909,613 and deposits reaching $5,680,776, we are committed to providing secure and reliable banking services tailored just for you. Under the leadership of our dedicated CEO, Pat Force, and Board President, Rob Kansky, we strive to create a welcoming environment where members can feel supported in their financial journeys. Our team of 18 employees is here to assist you with everything from personal banking and auto loans to mortgages and business financing. We believe that empowering our members leads to stronger communities. That's why we're proud to offer a variety of services designed to meet your unique needs whether you're looking for a new vehicle loan or planning for retirement. Currently, we have issued 10,324 loans and leases, helping many achieve their dreams. With a commitment to transparency and member satisfaction, we've built a solid net worth of $14,400,327. Plus, with $400,334 cash on hand, we're ready to support your banking needs today. If you're ready to take the next step in your financial journey or simply want more information about what we offer, don't hesitate to give us a call at 503-364-7999 or visit our website at Valley Credit Union. Your future starts here!

Branch History & Mission

Community-Centric Initiatives

As part of our commitment to accessibility and convenience, Valley offers ATM services and drive-thru banking for easy transactions. We also embrace digital advancements with online banking options that make managing your finances straightforward and efficient. Join us at Valley and experience the difference that a member-focused credit union can make in your life. We invite you to become part of our growing family where your financial well-being is always our top priority. Visit us today or check out more about what we offer on our website at Valley Credit Union.

Our Mission

At Valley, our mission is simple yet powerful: we are committed to providing exceptional financial services while actively supporting our community. We believe in fostering financial wellness for all our members through personalized solutions that fit their unique circumstances. Whether it's helping you secure an auto loan or guiding you through mortgage refinancing, our goal is to empower you on your financial journey. Our dedication extends beyond just banking; we actively engage with local initiatives and partnerships that uplift our community. By participating in outreach programs and sponsoring local events, we strive to make a positive impact where it matters most. While members can visit us at 2096 Mission St SE for all their banking needs, official correspondence should be sent to PO Box 12903, Salem, OR 97309 if necessary.

Branch Location & Accessibility

Connect with Us

Have questions or need assistance? Don't hesitate to reach out! You can call us at 503-364-7999 for any inquiries or simply drop by during our operating hours. We look forward to welcoming you into the Valley Credit Union family where we prioritize your financial well-being!

Convenient Access and Nearby Landmarks

Our branch is situated near popular landmarks such as the historic Willamette Heritage Center and just a short drive from the vibrant downtown area. With plenty of parking available, you can visit us without worrying about where to leave your vehicle. We also prioritize accessibility; our location is equipped with ramps and ADA-compliant features to ensure everyone can comfortably access our services.

Operating Hours and Services

Valley Credit Union is dedicated to serving our members during convenient hours. We're open Monday through Friday from 8:30 AM to 5:00 PM, ready to assist you with everything from personal banking solutions like checking and savings accounts to auto loans and mortgage refinancing. For those on the go, we offer ATM services right at our branch for easy cash withdrawals and balance checks anytime you need them. If you prefer a quick visit, take advantage of our drive-thru banking service for deposits and simple transactions without leaving your car.

Member Eligibility

At Valley, we believe in creating a welcoming community where everyone can thrive. Becoming a member is not just about opening an account; it's about joining a family that cares for your financial well-being. To be eligible, you simply need to meet a few friendly criteria, such as living or working in the local area or being related to an existing member. This means that if you're part of our neighborhood, you're already on the right path! For more specific details, feel free to check out our eligibility guidelines at . Joining Valley opens up a world of benefits tailored just for you. From competitive rates on loans and savings to personalized service that makes banking feel less like a chore and more like a partnership, we're here to support your financial journey every step of the way. Ready to take the next step? Opening an account is easy! Just give us a call at (503) 364-7999, or visit us at our branch located at 2096 Mission St Se Salem Or 97302. We can't wait to welcome you into our community!

Business Banking & Commercial Services

Business 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. These loans provide the necessary capital for everything from purchasing equipment to expanding your workforce. - We also support the broader business community with $17 in non-member commercial loans, providing flexible financing solutions that can adapt to your unique needs. - With an outstanding commercial loan portfolio of $3,990,779, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, we offer merchant services designed to simplify transactions for your business. Imagine being able to accept payments easily, whether online or in-store. Our tools help streamline operations, making it easier for you to focus on what matters most growing your business. Located at 2096 Mission St Se Salem Or 97302 in Salem, OR, we invite you to connect with us today at (503) 364-7999. Let's work together to turn your business goals into achievements!

Comprehensive List Of Services

ATM and Drive-Thru Services

Need cash quickly? Our ATM services provide easy access for withdrawals and balance checks. Plus, if you prefer face-to-face interactions for deposits or simple transactions, our drive-thru service is available during regular hours. At Valley, we're dedicated to ensuring that all members can access the financial tools they need effortlessly. If you're ready to learn more about how we can assist you today, don't hesitate to reach out at (503) 364-7999. Our friendly team is here to help!

Borrowing Options

Sometimes life throws unexpected expenses your way, which is where our personal loans and debt consolidation options come into play. We strive to offer flexible terms that help ease financial burdens while allowing you to regain control over your finances.

Business Banking Support

If you're a business owner, we haven't forgotten about you! Our business banking services include merchant services and business loans tailored for small businesses. We aim to partner with you in growing your business by offering solutions that meet your unique challenges.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we offer online and mobile banking services that allow you to manage your accounts anytime, anywhere. From checking balances to making transfers, we've simplified banking so that it's always at your fingertips.

Credit Cards with Benefits

Our credit cards come with rewards that put money back in your pocket for every purchase you make. Enjoy cashback offers and points that can be redeemed for travel or merchandise perfect for those who love to shop or travel!

Home Financing Made Easy

For those looking to buy a home or refinance an existing mortgage, our mortgage loans offer competitive rates and personalized service. We guide you through the process, making it straightforward and stress-free so you can focus on settling into your new space.

Personal Banking Solutions

We provide essential personal banking services, including checking and savings accounts that cater to various lifestyles. Whether you're saving for a rainy day or managing everyday expenses, our accounts come with features that fit your needs. When it comes to purchasing a vehicle, our auto loans and vehicle financing options are designed to help you drive away in the car you want without breaking the bank.

Digital & Online Banking

Easy Access and Management

Managing your finances should feel effortless. With our user-friendly interface, accessing important information about your accounts has never been easier. Need to see recent transactions? Want to check your balance? All of that is available at any time through our robust online banking system. At Valley, we are committed to providing you with the tools you need to stay in control of your financial life. Explore all that our digital banking services have to offer today! For more information or to get started, visit us at https://www.valleycu.org/ .

Key Features

With our 24/7 online banking services, you can check balances, pay bills, and transfer money with just a few clicks. Plus, for those who prefer to manage their accounts on their smartphones, our mobile application is available for easy access right at your fingertips. Not only does this app make banking easier, but it also supports person-to-person transfers, allowing you to send money to friends or family quickly and securely. Security is a top priority for us. Although we currently do not offer electronic signature authorization, rest assured that your information is protected with advanced security measures throughout all our online platforms. You can also opt for e-statements to keep track of your transactions without the clutter of paper statements it's not only convenient but environmentally friendly too!

Financial Strength

Commitment to Growth

With $14,318,979 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports your financial goals across various sectors with $3,985 in used auto loans and $84,681,375 in total loans and leases.

Dedicated Team

We also take pride in having 18 full-time employees and 0 part-time employees. This ensures our branches are always ready to serve you with a knowledgeable, committed team who understands your needs.

Secure Savings Options

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. We prioritize our members' needs over traditional banking practices. With non-member deposits at $0, our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

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 $1,231 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. This strength translates directly into the support we offer our members.

Summary of Member Trust

Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. Total Share Accounts stand at 16,469, showing a strong and growing member base that trusts us with their finances. In summary, 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 2096 Mission St Se Salem Or 97302 or call (503) 364-7999 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.

Loan Offering

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. We provide flexible terms and competitive interest rates to make your auto financing experience smooth and straightforward.

Business Financing

For business owners, our outstanding commercial loans totaling $3,990,779 provide the capital needed to grow and expand. We understand that running a business comes with its challenges; that's why we're committed to supporting local entrepreneurs with accessible financing solutions.

Credit Lines

Additionally, we have total credit lines available amounting to $18,587,837. This flexibility can be crucial for managing cash flow or unexpected expenses. At Valley, we believe in providing accessible finance options that empower our members. If you're interested in refinancing or exploring eligibility options for any of our products, please don't hesitate to ask. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. Visit us today to learn more about how we can support your financial journey!

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $15,283,418, making buying or refinancing simple. We're here to guide you through every step of the process and help you find the right mortgage solution that fits your budget.

Unsecured Credit Card Loans

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 rewards and features designed to benefit you while keeping your spending under control.

Loan Aggregator

No Sponsored Listings

LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This approach means that every option presented is based solely on value and suitability for your needs, rather than financial incentives.

Real-Time Rate Comparisons

Keeping up with changing rates can be a challenge. LendMesh offers up-to-date loan rates from multiple institutions, ensuring that you always have access to the latest information. This feature empowers users to seize opportunities as they arise. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Testimonials like this reflect the real-world impact of using a trusted comparison tool. 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.

Verified Data

With LendMesh, you can rest easy knowing that loan offers are sourced from legitimate financial institutions. This commitment to verified data means you will receive reliable information without hidden agendas or unclear terms.

VALLEY CREDIT UNION