Valley Financial Credit Union Billings MT | Affordable Auto Loans & Low Mortgage Rates

Introduction

At Valley Financial, we believe in fostering a strong sense of community while providing our members with the financial tools they need to thrive. Located at 3100 2Nd Ave N, Billings, MT 59101, our Second Avenue Branch has been serving its members since 1949. With a commitment to personalized service and exceptional value, we are proud to support over 37,290 members in achieving their financial goals. While you can visit us at our branch for friendly assistance, please note that official correspondence should be sent to our mailing address at 1541 Custer Ave, Billings, MT 59102. As of now, we have total assets amounting to an impressive $496,997,591, ensuring that we are well-equipped to meet your banking needs. Our robust offerings include more than 22,334 loans and leases to help you finance your dreams from personal loans to auto financing. We also manage a total deposit base of $52,913,402, reflecting the trust our community places in us. Under the leadership of our dedicated CEO, Casey Klein, and Board President, Gabriel Briano, we strive for excellence every day. Our team of 121 employees is here to guide you through various services such as personal banking, business loans, mortgage options, and online banking solutions. We pride ourselves on providing straightforward and reliable service without the jargon. Whether you're looking for advice on saving for a new home or financing your next vehicle purchase, we're here to help every step of the way. For inquiries or assistance, don't hesitate to call us at 406-656-9100 or visit our website at www.valleyfcu.com. Experience the Valley Financial difference today!

Branch History & Mission

Our Journey

Since opening our doors, Valley Financial has steadily evolved from a small credit union into a robust institution with total assets exceeding $496 million and a membership base of over 37,000 individuals. This growth reflects our unwavering dedication to providing exceptional financial products and services that empower our members to achieve their goals. Whether it's through auto loans, mortgages, or personal banking solutions, we aim to be there for you every step of the way. Throughout the years, we have embraced modern advancements while remaining deeply connected to our local roots. We are proud to offer features such as online banking and mobile applications that make managing finances easier than ever. Our commitment extends beyond technology; we are dedicated to accessibility and inclusivity for all our members.

Our Mission

At Valley Financial, our mission is clear: we strive to enhance the financial well-being of our members and support the communities we serve. We believe in fostering relationships built on trust and respect while delivering high-quality services tailored to your needs. From personal banking solutions like checking and savings accounts to business banking services that help local entrepreneurs thrive, we are here for everyone. Our efforts don't stop at financial transactions. We actively engage in community outreach initiatives aimed at supporting local causes and improving lives in Billings and surrounding areas. Whether it's sponsoring local events or partnering with nonprofit organizations, we are dedicated to making a positive impact where it matters most.

Visit Us

While you can always reach us at 406-656-9100 for any inquiries, we invite you to visit us at our branch in Billings. Our operating hours are Monday through Thursday from 9:00 AM to 4:00 PM and Friday from 9:00 AM to 5:00 PM. If you prefer using drive-thru services or need ATM access, rest assured that both options are available for your convenience. If you need to send official correspondence, please use our mailing address at 1541 Custer Ave, Billings, MT 59102. Join us today at Valley Financial and experience the difference that comes with being part of a member-focused credit union that truly cares about your financial journey!

Branch Location & Accessibility

Call to Action

We invite you to come visit us at the Valley Financial Second Avenue Branch! If you have any questions or need assistance, don't hesitate to give us a call at 406-656-9100. Our friendly team is ready and eager to help you achieve your financial goals.

Nearby Landmarks and Accessibility

Our branch is just a stone's throw away from several local landmarks, making it a familiar stop for many in the community. With ample parking available, you'll find it easy to access our facilities. We prioritize accessibility with features like ADA-compliant ramps to ensure everyone can enjoy our services comfortably.

Operating Hours and Services

We welcome you during our lobby hours from Monday to Thursday, 9:00 AM to 4:00 PM, and on Fridays until 5:00 PM. If you're looking for convenience on the go, our drive-thru service operates Monday through Friday from 7:30 AM to 6:00 PM, allowing you to handle basic banking tasks without leaving your car. At Valley Financial, we offer a range of services tailored to meet your personal and business banking needs. From checking and savings accounts to auto loans and credit cards with rewards, we have everything you need under one roof. Plus, with ATM availability right at our branch, withdrawing cash or checking your balance is quick and straightforward.

Member Eligibility

At Valley Financial, we believe that becoming a member is like joining a close-knit family where everyone supports each other on their financial journeys. If you're looking to join us, you'll be happy to know that membership is open to anyone who lives, works, worships, or attends school in our community. Our friendly team is here to help you through the simple application process, ensuring you feel welcomed every step of the way. For those interested in opening an account, we've made it easy and convenient. Just give us a call at (406) 656-9100, or stop by our branch located at 3100 2Nd Ave N Billings Mt 59101 for more information on how to get started. You can also find detailed eligibility criteria, which outlines everything you need to know about becoming part of our thriving community. We look forward to welcoming you!

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. - With an outstanding commercial loan portfolio of $37,207,106, we continue to drive economic growth by financing new and expanding businesses. Imagine having the financial backing to purchase new equipment, hire additional staff, or launch a marketing campaign all made possible with our competitive loan options.

Merchant Services

In addition to loans, we offer comprehensive merchant services that simplify payment processing. Picture your customers easily paying for their purchases with various methods credit cards, mobile wallets, or even online payments. This flexibility not only enhances the customer experience but also helps streamline your operations, allowing you to focus on what you do best: running your business. Ready to take your business to the next level? Visit us at 3100 2Nd Ave N Billings Mt 59101 in Billings, MT, or give us a call at (406) 656-9100. Let's discuss how we can support your journey towards success!

Comprehensive List Of Services

ATM and Drive-Thru Services

We understand that sometimes you just need quick access to cash or basic banking services. Our ATM allows for easy withdrawals and balance checks whenever you need it. Additionally, our drive-thru banking provides basic services like deposits and withdrawals without the need to leave your vehicle perfect for busy days! At Valley Financial, we're dedicated to making banking straightforward and accessible for everyone in Billings. If you have any questions or want more information about how we can assist you with your financial journey, don't hesitate to reach out! Give us a call at 406-656-9100 or visit our website at valleyfcu.com. We look forward to serving you!

Business Banking Solutions

For our business members, we provide comprehensive business banking services including merchant services and business loans to help your company thrive. Whether you're starting a new venture or expanding an existing one, we have flexible solutions that can support your growth.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why at Valley Financial, we offer robust online and mobile banking features that allow you to access your accounts anytime, anywhere. With these tools, managing your finances is as easy as a few clicks or taps on your smartphone.

Personal Banking Services

Our personal banking services include checking and savings accounts tailored to help you manage your money efficiently. If you're planning to purchase a vehicle, our auto loans and vehicle financing options make it easy for you to drive away in style without breaking the bank. For those considering home ownership or refinancing, our mortgage loans are designed with competitive rates to help you achieve your goals. Moreover, if life throws unexpected expenses your way, we offer personal loans and debt consolidation options that can relieve financial stress. Plus, our credit cards come with rewards that let you earn while you spend!

Digital & Online Banking

Key Features

One of the standout features of our digital services is the availability of e-statements. Say goodbye to clutter and keep your financial records organized digitally! Enjoy quick access to your statements whenever you need them, all while contributing to a greener environment. Need to send money to a friend? Our person-to-person transfer service makes it simple and fast. Just a few taps on your device and the money is on its way no more waiting in lines or writing checks! For those who are always on the move, our mobile application ensures that banking is at your fingertips. Check balances, pay bills, and even deposit checks directly from your smartphone. Plus, with our 24/7 online banking services, you'll never miss a beat when it comes to managing your finances. Your security is our priority. We employ robust measures to protect your information so you can bank with confidence. While we don't currently offer electronic signature authorization or mobile payments, we're committed to enhancing your experience continuously. Join us at Valley Financial for a banking experience that fits seamlessly into your lifestyle. With all these features available, managing your finances has never been easier!

Financial Strength

A Growing Community

We're proud to have established a strong member base with a total of 75,728 share accounts. This growing community trusts us with their finances, allowing us to continue enhancing the services we offer. 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 3100 2Nd Ave N 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.

Investment in Our Future

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 members' financial goals across various sectors with $11,461 in used auto loans and $375,509,739 in total loans and leases.

Operational Efficiency

Our $1,287,970 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. To support these operations effectively, we have 119 full-time employees and 2 part-time employees dedicated to serving you with a knowledgeable and committed team.

Secure Savings Options

Your savings are in good hands with us. 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.

Strong Financial Health

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. This solid foundation is further demonstrated by our net worth ratio of 11.42%, which ensures 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 $170,674,596 in used vehicle loans and $18,365,084 in new vehicle loans already helping members get on the road. Our flexible terms and competitive rates make it easier than ever to finance your next vehicle.

Business Loans

For business owners, our outstanding commercial loans totaling $37,207,106 provide the capital needed to grow and expand. We understand the unique challenges faced by businesses and are committed to offering tailored solutions that support your success.

Eligibility and Refinancing Options

If you're considering refinancing any of your current loans or want to know more about eligibility options for our products, feel free to reach out to us at (406) 656-9100. Our team is here to help you navigate through available options that best fit your financial situation. Our 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 visit us at our branch located at 3100 2Nd Ave N Billings MT 59101, where we can discuss your loan needs in detail. At Valley Financial, we are dedicated to providing comprehensive support as you take steps toward achieving your financial dreams.

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 provide personalized service to guide you through the mortgage process, whether you're a first-time homebuyer or looking to refinance an existing loan.

Unsecured Credit Card Loans

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. Our credit cards come with benefits that suit various spending habits and provide peace of mind for unexpected expenses.

Loan Aggregator

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VALLEY FINANCIAL CREDIT UNION - Billings, MT

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