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

Introduction

Welcome to Valley Financial, your trusted partner in banking located at 1541 Custer Ave, Billings, MT 59102. Since our establishment in 1949, we've been dedicated to serving our community with a personal touch, ensuring that our 37,290 members enjoy exceptional financial services tailored to their needs. As a member-owned credit union, we take pride in our commitment to transparency and reliability. With total assets of $496,997,591 and deposits amounting to $52,913,402, we are equipped to provide a wide range of products from checking accounts and savings options to auto loans and mortgages. Our experienced team of 121 employees, led by CEO Casey Klein and Board President Gabriel Briano, is here to guide you through every step of your financial journey. While you can visit us at our branch for all your banking needs, please note that any official correspondence should be directed to our mailing address: PO Box 20417, Billings, MT 59104. Whether you are looking for personal banking services or business solutions including loans and merchant services we have the tools and expertise to help you succeed. At Valley Financial, we believe in the power of community. Our mission goes beyond numbers; it's about making a positive impact on the lives of our members. With a net worth of $56,801,239 and cash readily available at $4,828,823, we are well-positioned to support our members' aspirations. Ready to take the next step? Reach out to us at (406) 656-9100 or visit us online at valleyfcu.com for more information on how we can assist you today!

Branch History & Mission

Community Focus

Valley Financial actively engages in community outreach initiatives aimed at improving the lives of those around us. We partner with local organizations to support various causes and events that uplift our community. Whether it's through educational programs or charitable contributions, we believe in giving back and making a positive impact. As we continue to grow, our commitment remains steadfast: to serve you with integrity and dedication. While members can visit us at 1541 Custer Ave, official correspondence should be sent to PO Box 20417, Billings, MT 59104. Join us today and experience firsthand the benefits of being part of Valley Financial! With operating hours designed for your convenience Monday through Thursday from 9:00 AM to 4:00 PM, Friday from 9:00 AM to 5:00 PM, and Saturday Drive-Up hours from 9:00 AM to 1:00 PM there's always time for you at Valley Financial. Call us at 406-656-9100 or visit us online at valleyfcu.com to learn more about how we can help you achieve your financial goals.

Our Mission

Valley Financial is more than just a place to bank; we are committed to enhancing the financial well-being of our members while fostering a sense of community. Our mission revolves around providing personalized financial services that cater to the unique needs of each member. From checking and savings accounts to auto loans and mortgages, we strive to empower individuals and families with the tools they need for financial success. We believe that financial health is about more than just numbers; it's about building lasting relationships and supporting one another. We're proud to offer modern conveniences like online banking and mobile access while ensuring our services are accessible to everyone, including those with disabilities. Our drive-thru service makes banking easier for those on the go, and our ATMs are available for quick transactions whenever you need them.

Branch Location & Accessibility

Get in Touch!

If you have any questions or would like more information about our services, don't hesitate to give us a call at (406) 656-9100. We invite you to stop by our Custer Branch today let's discuss how we can help you achieve your financial goals!

Nearby Landmarks and Accessibility

If you're looking for us, you'll find our branch close to popular landmarks, including the bustling shops and restaurants along Custer Avenue. We have ample parking available right outside the entrance, ensuring that your visit is as stress-free as possible. Our location is also ADA compliant, featuring ramps and accessible entrances for everyone.

Operating Hours

At Valley Financial's Custer Branch, we understand that your time is valuable. Our lobby hours are designed to fit your busy schedule: we're open Monday through Thursday from 9 AM to 4 PM, and Friday from 9 AM to 5 PM. For those who prefer drive-thru banking, we're ready to serve you Monday through Friday from 7:30 AM to 6 PM and Saturday from 9 AM to 1 PM.

Services Offered

We offer a variety of services tailored just for you! From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. Need a quick ATM withdrawal? You're in luck our branch features an ATM for your convenience. Plus, our drive-thru service allows for simple transactions without leaving your vehicle. While members can visit us at 1541 Custer Ave Billings Mt 59102, official correspondence should be sent to PO Box 20417, Billings, MT 59104.

Member Eligibility

Becoming a member of Valley Financial is like joining a close-knit community where your financial well-being is our top priority. At our branch located at 1541 Custer Ave Billings Mt 59102, we welcome individuals who live, work, or worship in the area, making it easy for you to access our friendly services. We believe that everyone deserves a chance to thrive, and as a member of Valley Financial, you gain access to a range of benefits designed to support your financial journey from competitive loan rates to personalized banking options. If you're curious about the specific eligibility requirements, feel free to check out more details at . And when you're ready to open an account, the process is straightforward and welcoming! Just give us a call at (406) 656-9100, and our team will guide you through every step. Join us today and discover how we can help you achieve your financial goals!

Business Banking & Commercial Services

Merchant Services That Matter

In addition to loans, we offer merchant services that make daily operations smoother. Imagine having a payment processing system that's not just reliable but also tailored to your specific needs. Whether it's handling credit card transactions or managing payroll, our solutions are designed to save you time and enhance customer satisfaction. Located at 1541 Custer Ave, Billings, MT 59102, we are always ready to partner with local businesses. Let us help you reach new heights! For inquiries, feel free to call us at 406-656-9100.

Tailored 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.

Comprehensive List Of Services

Business Banking

For our business members, we offer specialized services such as merchant services and business loans to help you grow your enterprise. Whether you're starting out or expanding an existing business, we have the tools to support your goals.

Credit Cards

Our credit cards with rewards offer not just purchasing power but also benefits for everyday spending. Enjoy rewards that can be redeemed for travel, cash back, or gift cards making your purchases work for you!

Digital Banking Features

In today's fast-paced world, convenience is key. That's why Valley Financial provides robust online and mobile banking services. You can manage your accounts anytime, anywhere whether it's checking balances, transferring funds, or paying bills. Our ATM and cash withdrawal services allow for quick access to your money without needing to visit the branch.

Drive-Thru Services

For those who prefer face-to-face interactions but are short on time, our basic drive-thru banking offers a convenient way to conduct deposits, withdrawals, and other simple transactions right from your car. Plus, with basic ATM access available for balance checks and withdrawals, managing your finances has never been easier. --- At Valley Financial, we're committed to helping you achieve your financial goals with personalized service and a full suite of offerings. If you have questions about any of our services or want assistance getting started, please don't hesitate to reach out at (406) 656-9100 or visit us today! Your financial journey starts here at Custer Branch!

Personal Banking

Managing your personal finances can be easy with our comprehensive personal banking options. We offer checking and savings accounts that help you keep your money secure while earning interest. For those considering purchasing a vehicle, our auto loans and vehicle financing options make it simple to get behind the wheel without breaking the bank. If homeownership is on your mind, look no further than our mortgage loans and refinancing services. We understand that buying a home is a significant step, and we're here to guide you through every part of the process. Additionally, if you're facing unexpected expenses or wish to consolidate debt, our personal loans and debt consolidation services can provide much-needed relief.

Digital & Online Banking

Key Features

Managing your money should be simple. Our e-statements provide you with electronic copies of your account statements, allowing you to save paper while keeping track of your finances effortlessly. Plus, with person-to-person transfers, sending money to friends and family has never been easier no need for cash or checks! For those who prefer banking on the go, our mobile application is available for download, giving you full access to your accounts right from your smartphone. You can make payments, check balances, and even manage transactions all in one place. While we currently do not support mobile payments or electronic signature authorization for certain documents, we prioritize the safety and security of your information at all times. Our systems are designed to protect your data while offering easy access to the services you need. In today's fast-paced world, having real-time account management is crucial. Whether it's making quick transfers or viewing your latest transactions, Valley Financial has got you covered. Experience the freedom and peace of mind that comes with our digital banking solutions!

Financial Strength

Growing Member Base

Total Share Accounts stand at an impressive 75,728, showcasing 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 1541 Custer Ave Billings MT 59102 or call 406-656-9100 to learn more about how we can help you achieve your financial goals.

Investing in Your 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. Our lending capacity supports your financial goals across various sectors with $11,461 in used auto loans and a total of $375,509,739 in loans and leases.

Member-Centric Savings

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.

Operational Efficiency

Our operational efficiency is reflected in our net income of $3,794,458, 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 and committed team.

Solid 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. 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.

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. Whether you're purchasing a brand-new vehicle or a reliable used one, our team is here to help guide you through the process and find a plan that suits your budget.

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 businesses face and aim to support them through tailored financing solutions. At Valley Financial located at 1541 Custer Ave Billings MT 59102, we pride ourselves on being more than just a financial institution; we're your partner in navigating life's financial journey. If you have questions or need assistance with any of our loan products, feel free to reach out at 406-656-9100. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you take the next step towards achieving your financial goals!

Credit Card Loans

Managing everyday expenses is easier with our unsecured credit card loans. We 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 rewards and benefits that can enhance your spending experience while keeping your finances on track.

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 offer various mortgage solutions tailored to fit different financial situations. If you're considering refinancing an existing mortgage, our experts can assist you in exploring eligibility options and finding terms that work for you.

Loan Aggregator

Benefits of Using LendMesh

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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), ensuring fair and transparent offers. This commitment to accuracy means you can trust that the comparisons are reflective of current market conditions and legitimate lending practices.