Valley Communities Credit Union Wisconsin Rapids WI | Affordable Auto Loans & Top Checking

Introduction

Welcome to Valley Communities, your trusted financial partner in Wisconsin Rapids. Located at 440 8th St S, Wisconsin Rapids, WI 54494, we have proudly served our community since 1935. With a commitment to providing excellent service and financial products tailored to meet your needs, our credit union has grown to support over 15,433 members. At Valley Communities, we believe in empowering our members with the tools they need for financial success. Our total assets now stand at an impressive $248,782,257, ensuring that we have the resources necessary to support your financial goals. Whether you're looking for an auto loan or a savings account, we offer a variety of products designed with you in mind. Currently, our total loans amount to 5,545, reflecting our dedication to helping members like you achieve their dreams. Our strength lies not only in our financial capabilities but also in the relationships we build within the community. Under the leadership of CEO Kelly Hladovcak and Board President Elizabeth Jakusz, our team is here to provide personalized service that makes you feel valued and understood. With 68 employees ready to assist you, we ensure that every visit is met with friendly faces and expert advice. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to the same address: 440 8th St S, Wisconsin Rapids, WI 54494-5016. We invite you to explore our range of services including personal banking options such as checking and savings accounts, auto loans, mortgage financing, and business banking solutions. Our goal is to help you navigate your financial journey with confidence. Ready to take the next step? Give us a call at 715-424-4400 or visit us online at valleycommunities.org for more information about how we can serve you better. Join us today and experience the difference that comes from being part of a community-focused credit union!

Branch History & Mission

Valley Communities has a proud history that dates back to 1935, when it first opened its doors in Wisconsin Rapids, WI. Since then, we have grown from a small local institution into a thriving credit union with over 15,000 members. Our branch, located at 440 8th St S, Wisconsin Rapids, WI 54494, stands as a testament to our commitment to the community and our members. Throughout the years, Valley Communities has focused on building strong relationships with our members and providing them with exceptional financial services. From humble beginnings, we have steadily increased our total assets to an impressive $248782257, reflecting our stability and growth. Our mission is clear: to empower our members through financial education and accessible services while giving back to the community that supports us. We pride ourselves on being more than just a financial institution; we are a community partner. We actively engage in outreach efforts that support local initiatives and foster economic growth within Wisconsin Rapids. Our team works diligently to ensure that everyone can access the financial resources they need to thrive. At Valley Communities, we understand that convenience matters. That's why we offer both ATM availability and drive-thru banking for easy access to your accounts. Whether you're visiting us during our lobby hours Monday through Wednesday from 8:30 AM to 4:30 PM or Thursday and Friday until 6:00 PM or utilizing our online and mobile banking options, we strive to meet your needs efficiently. As part of our mission, we also emphasize inclusivity by ensuring ADA compliance across all services and facilities. We believe in creating an environment where every member feels welcomed and valued. While members can visit us at 440 8th St S for all their banking needs, official correspondence should be sent to our mailing address at 440 8th St S, Wisconsin Rapids, WI 54494-5016. Join us today at Valley Communities and experience how we can support you on your financial journey. Together, let's build a stronger future for our community! For more information about becoming a member or opening an account, please visit our website or call us at (715) 424-4400.

Branch Location & Accessibility

Welcome to Valley Communities, your friendly credit union located at 440 8th St S in Wisconsin Rapids, WI. Our branch sits conveniently near popular local landmarks, making it easy for you to drop by for your banking needs. Whether you're visiting the nearby parks or shopping districts, we are just a short drive away. Our location is designed with accessibility in mind. We have ample parking available and features that comply with ADA standards, ensuring everyone can visit us comfortably. If you're in a hurry, take advantage of our drive-thru banking services for quick deposits and withdrawals without ever leaving your vehicle. At Valley Communities, we strive to make your banking experience as convenient as possible. Our lobby is open from 8:30 AM to 4:30 PM on Monday through Wednesday, and we extend our hours until 6:00 PM on Thursday and Friday. If you need to visit us outside these hours, our ATM is always available for cash withdrawals and balance checks. Should you need to send official correspondence, please note that while members can visit us at our branch address, you may also use our mailing address: 440 8th St S, Wisconsin Rapids, WI 54494-5016. For any questions or assistance, feel free to give us a call at 715-424-4400. We look forward to welcoming you to Valley Communities!

Member Eligibility

At Valley Communities, we believe that becoming a member means joining a warm and welcoming family dedicated to your financial well-being. If you're looking to join us at our branch located at 440 8Th St S, Wisconsin Rapids, WI 54494, you'll find that eligibility is simple and inclusive. We welcome individuals who live, work, worship, or attend school in the communities we serve. This means whether you're a local resident or just passing through, there's a place for you here. The benefits of membership extend beyond just banking; you'll enjoy personalized service, competitive rates, and a community-focused approach to your financial needs. Ready to take the next step? Opening an account with us is easy! You can start the process by visiting our website at valleycommunities.org for detailed information on eligibility criteria and account opening procedures. If you have any questions or need assistance, feel free to call us at 715-424-4400. We're excited to welcome you into our community! For more details about eligibility requirements, check out our resource page here.

Business Banking & Commercial Services

Practical Merchant Services

Imagine being able to accept payments easily from your customers while managing your finances all in one place. Our merchant services offer just that. From credit card processing to point-of-sale systems, we provide tools that simplify transactions and enhance customer experiences. By choosing our services, you can focus more on what you do best running your business while we handle the financial details. Located conveniently at 440 8Th St S Wisconsin Rapids Wi 54494, Wisconsin Rapids, WI 54494, our team is ready to assist you in navigating your business's financial needs. Reach out today at (715) 424-4400 to learn how we can partner with you on your path to success!

Tailored Business Loan Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $2 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $5 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $235,744, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking

If you're running a business or thinking about starting one, we offer specialized services just for you. Our business banking includes merchant services that simplify payment processing and business loans to help fund your operations or expansion plans.

Convenient Access

We know convenience is key when it comes to banking. With our ATM and cash withdrawal services, you can access your funds easily whenever you need them. Plus, take advantage of our basic drive-thru banking for quick deposits and withdrawals without having to step inside.

Credit Cards with Rewards

Our credit cards come with rewards that can benefit your everyday spending. Picture earning points on purchases you already make it's a simple way to get more from your money.

Loans for Your Needs

When it comes to financing, Valley Communities provides various loan options. If you're in the market for a new vehicle, our auto loans and vehicle financing can make that dream car a reality. For larger purchases like homes, our mortgage loans and refinancing options can help ease the burden of homeownership. Additionally, if you're facing unexpected expenses or want to consolidate debt, our personal loans are here for you.

Personal Banking

Whether you're just starting out or looking to grow your savings, our personal banking services have got you covered. We offer checking and savings accounts tailored to fit your lifestyle. Imagine easily accessing your funds through online and mobile banking, which allows you to check balances, pay bills, and transfer money anytime and anywhere.

Reach Out Today!

Ready to explore how these services can meet your financial needs? Call us at 715-424-4400 or visit us at our branch in Wisconsin Rapids. We are here to support you every step of the way. Discover more about what we offer by visiting our website at valleycommunities.org. Join us today!

Digital & Online Banking

Key Services

With our robust online banking platform available at https://www.valleycommunities.org/, you can access your accounts 24/7, check balances, transfer funds, and pay bills all from the comfort of your couch or while waiting in line. Our electronic signature authorization feature lets you handle important documents quickly and securely without needing to visit a branch. Plus, with e-statements available, you'll have instant access to your financial statements without the clutter of paper. For those who prefer mobile banking, our mobile application offers a smooth experience for managing your finances on-the-go. You can also enjoy mobile payments for quick transactions right from your smartphone making shopping easier than ever. Although we currently do not offer person-to-person transfers, you can still easily send money through traditional methods if needed.

Security and Accessibility

Your safety is our priority. Our online banking services come equipped with top-notch security features to protect your personal information. You can feel confident knowing that your data is safe as you navigate through our digital offerings. By choosing Valley Communities, you gain access to real-time account management that helps you keep track of your spending and savings effortlessly. We believe that banking should be straightforward and empowering, so take advantage of these services today! Whether you're logging in from home or using our mobile app while out and about, we're here to support you every step of the way.

Financial Strength

A Solid Foundation

With a net worth of $30,870,222, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 12.41% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Committed to Service

Our operational efficiency reflects our commitment to you. While our net income stands at $0, it showcases our ability to manage expenses effectively while continuing to offer competitive loan rates and solid financial products for our members. We also take pride in having 56 full-time employees and 12 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

Growing Together

Total Share Accounts: 29,379 show a strong and growing member base that trusts us with their finances. Our net shares available for lending and investments stand at $882,760, further demonstrating our capability to support your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Valley Communities is your trusted partner. Visit us at 440 8Th St S Wisconsin Rapids Wi 54494 or call 715-424-4400 to learn more about how we can help you achieve your financial goals.

Member Savings Secured

Your savings are secured through $10,371,412 in share certificates and $69,228,611 in money market shares, which offer 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.

Reinvesting in Your Future

With $30,679,698 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 $2,104 in used auto loans and an impressive $140,634,264 in total loans and leases.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $30,576,687 in used vehicle loans and $7,385,933 in new vehicle loans already helping members get on the road. We also provide refinancing options to make it easier for you to upgrade or lower your payments.

Business Loans

For business owners, our outstanding commercial loans totaling $235,744 provide the capital needed to grow and expand. Whether you're starting a new venture or enhancing an existing one, our team is here to assist you with tailored solutions.

Credit Lines

In addition to traditional loans, we offer total credit lines amounting to $35,431,781, which can give you the flexibility you need for various financial situations. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We invite you to explore our loan products and see how they can help you achieve your financial aspirations. Visit us today or check out our website at valleycommunities.org for more details!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $2,538,067, make buying or refinancing simple. We offer competitive rates and terms that can fit your budget while guiding you through the application process.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $0 in loans helping members manage their finances effectively. Although currently there are no outstanding unsecured credit card loans available, we continuously assess our offerings to better serve our members' needs.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures Accurate Comparisons

LendMesh sources its loan data 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 adherence guarantees that users receive fair and transparent offers. By focusing on verified data, LendMesh enhances trust among users looking for reliable financial information.