Valley Financial Credit Union Billings MT | Best Auto Loans & Business Banking

Introduction

Welcome to Valley Financial, your trusted partner in achieving financial wellness right here in the heart of Billings, Montana. Located at 207 N 28Th St, Billings, MT 59101, our Downtown Branch has been proudly serving our community since 1949. With a strong membership of over 37,290 and total assets exceeding $496 million, we are committed to providing exceptional service and support to help you reach your financial goals. At Valley Financial, we believe that banking should be personal and accessible. Whether you're looking for auto loans, mortgage options, or business services, we have a range of products tailored just for you. Our dedicated team, led by CEO Casey Klein and Board President Gabriel Briano, is here to guide you every step of the way. While members can visit us at our branch for face-to-face assistance, official correspondence can be sent to the same address: 207 N 28th St, Billings, MT 59101. We take pride in having a solid net worth of $56 million and total deposits amounting to $52 million, reflecting our stability and commitment to our members. Join us in making a difference within our community. With total loans surpassing 22,334, we are helping individuals and families realize their dreams every day. Call us today at 406-656-9100 or visit our website at www.valleyfcu.com to learn more about how we can assist you on your financial journey!

Branch History & Mission

At Valley Financial, we take pride in our rich history and our unwavering commitment to serving the Billings community. Founded in 1949, our branch has grown alongside the needs of our members, evolving into a trusted financial partner for over 37,000 individuals and families. Located at 207 N 28th St, Billings, MT 59101, we are situated in the heart of the city, making it convenient for our members to access essential banking services. From our humble beginnings, we have consistently aimed to provide exceptional personal banking solutions. Today, with total assets reaching an impressive $496,997,591, we offer a variety of services including checking and savings accounts, auto loans, mortgages, and business banking options. Our dedicated team works hard to ensure that every member feels valued and supported as they navigate their financial journey. Our mission at Valley Financial is simple yet powerful: to empower our members through accessible financial services while making a positive impact in our community. We believe that everyone deserves a chance to achieve their financial goals and dreams. That's why we focus on offering personalized solutions that cater to the unique needs of each member. Whether you're looking to save for your future or finance your dream vehicle, we are here to help you every step of the way. While members can visit us at 207 N 28th St, official correspondence should be sent to 207 N 28th St, Suite 105, Billings, MT 59101 if necessary. Our lobby is open Monday through Friday from 7:30 AM to 4:30 PM, providing ample opportunity for you to stop by or reach out via phone at 406-656-9100. As we embrace digital advancements like online banking and mobile applications, we remain committed to maintaining accessibility for all. With ATM availability right at our branch location and no drive-thru service required, we ensure that your banking experience remains efficient and straightforward. Our dedication extends beyond traditional banking; we actively participate in local outreach programs aimed at strengthening our community ties. By partnering with various organizations and supporting local initiatives, Valley Financial strives not just to be a bank but a cornerstone of community growth. Join us today at Valley Financial and discover how we can help you achieve your financial aspirations while being part of something bigger making a difference in the Billings area together! Visit us online at valleyfcu.com for more information about membership and services.

Branch Location & Accessibility

Convenient Access and Nearby Landmarks

Our branch is situated close to several local landmarks, making it easy for you to find us. Just a short drive from the bustling downtown area and near popular spots like the Billings Public Library, we provide a welcoming environment where you can handle your financial matters with ease.

Operating Hours Designed for You

Our lobby hours are set up to fit your busy schedule. We're open Monday through Friday from 7:30 AM to 4:30 PM, providing plenty of time during the week for you to stop in and take care of your banking needs.

Parking and Accessibility Features

At Valley Financial, we prioritize accessibility for all members. We offer ample parking right outside the branch, along with features that comply with ADA standards to ensure everyone can visit comfortably. If you have any questions about accessibility or need assistance when you arrive, our friendly staff is always ready to help.

Services Tailored for Your Needs

Valley Financial offers a variety of services including checking and savings accounts, auto loans, mortgages, personal loans, and business banking solutions. We also have an ATM on-site for quick cash access, ensuring that you can manage your money conveniently whenever you need it. While members can visit us at 207 N 28th St, official correspondence should be sent to our mailing address at 207 N 28th St, Suite 105, Billings, MT 59101. If you have any questions or would like more information about our services or operating hours, please don't hesitate to give us a call at 406-656-9100. We invite you to come in and experience the friendly service that Valley Financial is known for!

Member Eligibility

At Valley Financial, we believe that everyone deserves to be part of a community that truly cares. Becoming a member is simple and welcoming! If you live, work, worship, or attend school in our area, you're likely eligible to join us. We're all about inclusivity and making banking accessible for everyone. Not only will you gain access to a wide range of financial products tailored just for you, but you'll also benefit from lower fees and better rates compared to traditional banks. To find out the specific eligibility details. Joining is easy! Once you've confirmed your eligibility, opening an account is just a step away. You can visit us at 207 N 28Th St, Billings, MT 59101 or give us a call at (406) 656-9100 for more information on how to start your membership journey today. We can't wait to welcome you into the Valley Financial family!

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 $87 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 $37,207,106, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, our merchant services simplify daily operations for local businesses. Whether you're processing payments or managing cash flow, we provide tools that enhance efficiency. For example, our point-of-sale systems can streamline transactions, allowing you more time to focus on what you do best serving your customers. Located conveniently at 207 N 28Th St Billings Mt 59101 in Billings, MT, we are here to partner with you on your journey toward success. Reach out today at (406) 656-9100 to learn more about how we can help your business grow!

Comprehensive List Of Services

Business Banking Services

For entrepreneurs and business owners, we understand that managing finances can be challenging. Our business banking services, including merchant services and business loans, are tailored to support your growth and success. We strive to partner with local businesses to ensure they have the resources they need to thrive in today's market.

Digital Banking Features

To enhance your banking experience, we offer robust online and mobile banking platforms that allow you to manage your accounts anytime, anywhere. You can easily check balances, transfer funds, and pay bills without having to visit the branch. With our ATM services available for cash withdrawals and balance checks, accessing your money has never been easier.

Easy Access and Support

At Valley Financial, we pride ourselves on being there when you need us most. If you have questions or require assistance, don't hesitate to reach out! You can contact us at (406) 656-9100 during our lobby hours: Monday through Friday from 7:30 AM to 4:30 PM. In summary, whether you're looking for personal banking solutions or business support, Valley Financial is here for you with a full suite of services designed with your needs in mind. Visit us at our convenient location in Billings, MT, or explore more about what we offer by checking out our website at https://www.valleyfcu.com/. We look forward to helping you navigate your financial journey!

Personal Banking Solutions

For individuals and families, we offer a variety of options to manage your finances effectively. Our checking and savings accounts make it easy to handle day-to-day transactions while helping you save for the future. If you're considering purchasing a new vehicle, our auto loans and vehicle financing options can help get you on the road with competitive rates and flexible terms. Additionally, we provide mortgage loans and refinancing solutions designed to help you secure your dream home or lower your monthly payments. If you're facing unexpected expenses or need extra cash for a project, our personal loans and debt consolidation services can provide the relief you need. Plus, with our credit cards featuring rewards, you can earn benefits on everyday purchases while enjoying financial flexibility.

Digital & Online Banking

Key Features

Our members enjoy the benefits of e-statements, making it easy to keep track of your financial activity without the clutter of paper statements. You can also take advantage of person-to-person transfers, allowing you to send money to friends and family quickly and securely. If you're on the go, our mobile application is here to help. With it, you can easily monitor your accounts and perform transactions right from your smartphone. Although we currently do not offer mobile payments, our app provides essential features for effective account management.

Security & Ease of Use

Security is a top priority at Valley Financial. While electronic signature authorization isn't available at this time, we employ strong security measures to protect your personal information and transactions. Our user-friendly interface makes navigating through our online services simple, so you can focus on what matters most managing your finances with confidence. Join us today and experience the convenience of digital banking at Valley Financial!

Financial Strength

At Valley Financial, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We understand how important it is for you to have confidence in your financial institution. That's why we are proud to share our robust financial standing with you. With a net worth of $56,801,239, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 11.42% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $112,480,363 in share certificates and $77,230,210 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $249,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $50,278,704 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Additionally, our lending capacity supports your financial goals with $11,461 in used auto loans and $375,509,739 in total loans and leases. Our operational efficiency is reflected in our $1,287,970, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 119 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Total Share Accounts stand at 75,728, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Valley Financial is your trusted partner. Visit us at 207 N 28Th St Billings Mt 59101 or call (406) 656-9100 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

Additional Information

Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. If you're interested in exploring eligibility options for any of our products or have questions about the application process, visit our website or give us a call. At Valley Financial, we're here to guide you through every step of your financial journey. Let us help you find the right loan product that fits your needs!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $170,674,596 in used vehicle loans and $18,365,084 in new vehicle loans already helping members get on the road. We make it easy to get behind the wheel with flexible terms tailored to fit your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $37,207,106 provide the capital needed to grow and expand. We understand that every business has its own needs and challenges; that's why we work closely with you to create customized solutions that support your growth ambitions.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $32,404,799, make buying or refinancing simple. We also provide refinancing options to help you lower your monthly payments or access equity from your home.

Unsecured Credit Card Loans

Managing day-to-day expenses can sometimes be challenging. That's why we also offer flexible terms on unsecured credit card loans, with a total of $7,341,929 in loans helping members manage their finances effectively. These cards come with competitive rates and no annual fees giving you peace of mind as you spend.

Loan Aggregator

Ensuring Accurate Loan 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 that users receive fair and transparent offers tailored to their needs. By working with verified lenders, LendMesh guarantees that all loan comparisons are accurate and trustworthy.

Key Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency and security for users. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions its goal is to provide unbiased results that reflect true market conditions. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, enabling them to make well-informed choices quickly. 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!" This testimonial highlights the effectiveness of the platform in delivering significant savings to borrowers. 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 FINANCIAL CREDIT UNION - Billings, MT

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