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

Introduction

Welcome to Valley Financial, your trusted partner in banking since 1949! Located at 3025 King Ave W, Billings, MT 59102, our King Avenue Branch is dedicated to serving the financial needs of our community. With a strong membership base of 37,290 and total assets exceeding $496 million, we pride ourselves on providing personalized services and support for every member. At Valley Financial, we understand that banking is more than just numbers; it's about building relationships. Our total deposits stand at $52,913,402, reflecting the trust our members place in us. We're committed to fostering a sense of belonging and security within our community while offering a diverse range of services from personal banking and auto loans to business financing. Under the leadership of CEO Casey Klein and Board President Gabriel Briano, our team of 121 employees is passionate about helping you achieve your financial goals. With $4,828,823 in cash on hand and a net worth of $56,801,239, we are well-equipped to support your aspirations. While members can visit us at our branch location, official correspondence should be sent to the same address: 3025 King Ave W, Billings, MT 59102. Whether you're looking for guidance on loans or need assistance with your accounts, we're here for you! Explore our website at Valley Financial or give us a call at 406-656-9100 to learn more about how we can help you thrive financially. Join us today and experience the difference that comes with being part of a credit union that truly cares!

Branch History & Mission

Commitment to Excellence

As we continue to innovate and adapt, we have embraced digital advancements while ensuring that all our services remain ADA compliant and customer-friendly. Members can enjoy the convenience of online banking, mobile applications, and access to ATMs throughout the area. For those who prefer face-to-face interactions, our drive-thru service offers ease and accessibility during operating hours. While you can always visit us at 3025 King Ave W, official correspondence should be directed to the same address for your convenience. If you have any questions or would like more information about our services, please don't hesitate to reach out at 406-656-9100.

Join Us Today!

At Valley Financial, we're more than just a credit union; we're a community partner dedicated to your success. We invite you to join us on this journey towards financial empowerment. Experience the benefits of being part of a supportive financial family where your goals are our priority! Visit our website today to learn more about how we can serve you better!

Our Mission

Our mission at Valley Financial is simple yet impactful: to provide excellent financial services while fostering a spirit of community support. We aim to empower our members with the tools they need to achieve their financial goals whether it's purchasing a new home through our mortgage services or securing an auto loan for reliable transportation. We understand that banking isn't just about numbers; it's about people. That's why we strive to create an inclusive environment where everyone feels valued and supported. Our commitment extends beyond traditional banking as we actively engage in community outreach initiatives that uplift local organizations and help those in need.

Branch Location & Accessibility

Accessibility and Features

At Valley Financial, we prioritize accessibility for all our members. Our branch features ADA-compliant entrances and ramps, ensuring that everyone can easily access our services. We also offer ample parking space to make your visit as convenient as possible. If you prefer to bank on-the-go, we have an ATM available for quick cash withdrawals and balance checks right outside.

Operating Hours

We understand that life can be busy! That's why our lobby is open Monday through Thursday from 9:00 AM to 4:00 PM, with extended hours on Friday until 5:00 PM. Need to swing by over the weekend? Our drive-thru service operates Monday through Friday from 7:30 AM to 6:00 PM and Saturday from 9:00 AM to 1:00 PM, giving you flexibility when you need it most.

Services Offered

At Valley Financial, we're proud to offer a wide range of services tailored to fit your needs whether you're looking for personal banking solutions like checking and savings accounts or need assistance with auto loans and mortgages. Our friendly staff is here to guide you through every step of your financial journey. If you're ever unsure about anything or have questions regarding our services, don't hesitate to reach out! You can give us a call at 406-656-9100 or visit us at our branch. We can't wait to assist you! Come see us at Valley Financial today where your financial well-being is our priority!

Member Eligibility

At Valley Financial, we believe that becoming a member is like joining a close-knit family where everyone supports each other. We welcome anyone who lives, works, worships, or attends school in our community to join us. This means if you're part of the vibrant life around 3025 King Ave W Billings Mt 59102, you're already eligible! Membership opens up a world of benefits, including personalized financial services tailored just for you and access to competitive loan rates and savings options that can help you achieve your goals. If you're ready to take the next step, opening an account with us is simple and straightforward. Just give us a call at (406) 656-9100 or visit our website at for more details on eligibility criteria. We're excited to have you as part of our growing 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 $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, we offer merchant services that simplify payment processing for your business. Imagine being able to accept payments effortlessly, allowing you to focus more on what you do best running your business. Our services help streamline transactions, making it easier for customers to pay, which can lead to increased sales and improved cash flow. Located at 3025 King Ave W Billings Mt 59102 in Billings, MT, we're here to partner with you every step of the way. Reach out at (406) 656-9100 to learn how our tailored solutions can help your business thrive!

Comprehensive List Of Services

Business Banking Services

For business owners in our community, we offer comprehensive business banking solutions, including merchant services and business loans to help you thrive. Whether you're starting a new venture or looking to expand an existing one, we have resources available to support your success.

Convenient Access & Support

Accessibility is key in today's fast-paced world. Our branch features ATM services for quick cash withdrawals and balance checks whenever you need them. With our drive-thru banking, you can handle deposits, withdrawals, and simple transactions without leaving your vehicle a perfect solution for busy days. If you're ever unsure about navigating our services or need assistance, don't hesitate to reach out! Our team is just a phone call away at 406-656-9100, ready to assist you with any inquiries.

Credit Cards & Loans

Managing debt is another vital aspect of financial health. Our personal loans and debt consolidation services provide solutions for those times when unexpected expenses arise or when you want to simplify your payments. Plus, our credit cards with rewards offer benefits that can add value back into your everyday spending.

Get Started Today!

Explore how Valley Financial can empower your financial journey by visiting us at valleyfcu.com or stopping by our branch in Billings. Let us be part of your path toward achieving financial stability and success!

Personal Banking Solutions

We understand that everyone has unique financial goals. That's why our personal banking services include checking and savings accounts tailored to fit your lifestyle. Imagine having easy access to your money with user-friendly online and mobile banking options. You can check balances, transfer funds, and even pay bills from the comfort of your home or on the go. When it comes to financing big purchases, our auto loans and vehicle financing options make it easier than ever to get behind the wheel of your dream car. We offer competitive rates that can save you money in the long run. If you're considering buying a home or refinancing an existing mortgage, our mortgage loans are designed with flexible terms that cater to different budgets and needs.

Digital & Online Banking

Key Services

Our online banking platform allows you to view your account balances, transfer funds, and pay bills with just a few clicks. We also provide e-statements, so you can go paperless and keep track of your transactions easily. If you prefer using your smartphone, our mobile application offers the same robust features right in your pocket.

Security & Ease-of-Use

Security is a top priority for us. We ensure that all your financial information is protected while allowing you to make person-to-person transfers effortlessly. And while we currently do not offer electronic signature authorization or mobile payments, our user-friendly interface makes it simple to navigate through all our features without any hassle.

Stay Connected Anytime

Whether you're at home or on the go, you can manage your accounts in real-time. Our online banking service is designed for accessibility and ease-of-use, ensuring that you have everything you need right at your fingertips. Join us at Valley Financial and experience a modern approach to banking that prioritizes your convenience and security!

Financial Strength

Growing Together

With a total of 75,728 share accounts, we have built a strong and growing member base that trusts us with their finances. Our commitment to you means that every decision we make prioritizes your financial well-being. 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 3025 King Ave W Billings MT 59102 or call us at 406-656-9100 to learn more about how we can help you achieve your financial goals.

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.

Reinvesting 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 members' financial goals across various sectors with $11,461 in used auto loans and a total of $375,509,739 in loans and leases available to help fulfill your needs.

Solid Foundation

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

Additional Services

In addition to these offerings, we provide various refinancing options that may help lower your payments or consolidate debt more effectively. If you're interested in learning more about eligibility for any of our products or how refinancing could benefit you, don't hesitate to reach out. Our team is ready to assist you at our branch located at 3025 King Ave W Billings Mt 59102 in Billings, MT. Feel free to call us at (406) 656-9100 during our operating hours: Lobby hours are Monday through Thursday from 9:00 AM to 4:00 PM, Friday from 9:00 AM to 5:00 PM, and Drive-Up services are available Monday through Friday from 7:30 AM to 6:00 PM and Saturday from 9:00 AM to 1:00 PM. 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 how our loan products can help pave the way toward achieving your financial aspirations!

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 provide flexible terms and competitive rates, ensuring you have access to the funds you need for your next vehicle purchase.

Business Financing

For business owners, our outstanding commercial loans totaling $37,207,106 provide the capital needed to grow and expand. We recognize the unique challenges businesses face and are dedicated to offering tailored solutions that foster growth and sustainability.

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 are here to assist you through every step of the process, whether you're purchasing your first home or seeking to refinance your existing mortgage for better rates.

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. These cards come with features that cater to everyday spending while giving you the freedom and control over your budget.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With so many options available, having a reliable tool like LendMesh can make all the difference in securing the best deal for your financial needs. LendMesh ensures accurate loan comparisons by sourcing 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 compliance guarantees that users receive fair and transparent offers, making it easier to choose the right lender. The benefits of using LendMesh are clear: - Verified Data: Loan offers come from legitimate financial institutions, ensuring transparency and reliability. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions. The focus is solely on providing unbiased results. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, empowering them to make informed decisions quickly. Thousands of users trust LendMesh for their loan comparisons. One satisfied member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback highlights how effective LendMesh can be in helping individuals save money. 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.*