Valley Financial Credit Union Billings MT | Quick Personal Loans & Checking Accounts

Introduction

Welcome to Valley Financial, where your financial well-being is our top priority! Located at 2955 Grand Ave, Billings, MT 59102, we have been serving our community since 1949. With over 37,290 members and a dedicated team of 121 employees, we take pride in offering personalized banking solutions that cater to your unique needs. At Valley Financial, we understand that every dollar counts. That's why we're thrilled to share that our total assets stand at an impressive $496,997,591. With $52,913,402 in deposits and a robust loan portfolio totaling 22,334, we are committed to providing you with the resources you need for personal and business growth. Our CEO, Casey Klein, and Board President, Gabriel Briano, lead our efforts to ensure that you feel valued and supported throughout your financial journey. While members can visit us at our branch location on Grand Ave, official correspondence should be sent to the same address for your convenience. Whether you're interested in checking accounts, auto loans, or mortgage options, our comprehensive services are designed with you in mind. As a member-focused credit union, we aim to create lasting relationships built on trust and transparency. Our commitment to our community goes beyond just banking; we strive to empower each member through financial education and support. Ready to explore what Valley Financial can do for you? Call us today at 406-656-9100 or visit our website at valleyfcu.com for more information. Let's work together towards achieving your financial goals!

Branch History & Mission

At Valley Financial, our story began in 1949, when we first opened our doors to the community in Billings, MT. Over the years, we have grown from a small credit union into a trusted financial partner for over 37,000 members. Our branch is located at 2955 Grand Ave, Billings, MT 59102, conveniently situated near local landmarks that make it easy for you to visit us. Our mission is simple yet powerful: to provide exceptional financial services while fostering a supportive community environment. We believe that banking should be more than just transactions; it should be about building relationships and empowering individuals to achieve their financial goals. Whether it's through our personal banking options or business solutions, we strive to meet the diverse needs of our members. Since our inception, we have achieved significant milestones, including growing our total assets to an impressive $496,997,591. This growth reflects not only our commitment to sound financial practices but also our dedication to serving our members effectively. Our operating hours are designed with your convenience in mind: Lobby hours are Monday through Thursday from 9:00 AM to 4:00 PM and Friday from 9:00 AM to 5:00 PM. For those on the go, 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. While members can visit us at 2955 Grand Ave, official correspondence should be sent to 2955 Grand Ave, Billings, MT 59102. We also offer an ATM on-site for quick access to your funds whenever you need them. Valley Financial is committed not only to providing excellent banking services but also actively participating in community outreach efforts. We work closely with local organizations and initiatives aimed at improving the quality of life in Billings and beyond. As technology evolves, we embrace digital advancements that enhance your banking experience. With online banking options available, managing your finances has never been easier. Our customer-centric approach ensures that you receive the best support tailored just for you. Join us today and become a part of the Valley Financial family! Experience firsthand how we can help you achieve your financial dreams while making a positive impact in your community. For more information or assistance, feel free to reach out at 406-656-9100 or visit us online at valleyfcu.com. We look forward to welcoming you!

Branch Location & Accessibility

Welcome to Valley Financial, your friendly neighborhood credit union located at 2955 Grand Ave in Billings, MT. Our branch is conveniently situated near popular local spots, making it easy for you to stop by during your day. Whether you're heading to the nearby parks or running errands around the area, we're here to assist you with all your banking needs. While members can visit us at our Grand Ave location, any official correspondence should be sent to the same address: 2955 Grand Ave, Billings, MT 59102. Our branch is easily accessible and designed with convenience in mind. We offer ample parking and are ADA compliant, ensuring that everyone can access our services without hassle. At Valley Financial, we prioritize your time with flexible operating hours. Our lobby is open Monday through Thursday from 9:00 AM to 4:00 PM and on Fridays until 5:00 PM. For those who prefer a quick stop, our drive-thru service is available Monday through Friday from 7:30 AM to 6:00 PM and on Saturdays from 9:00 AM to 1:00 PM. Need cash? We've got you covered with an ATM on-site for quick withdrawals and balance checks. Plus, our drive-thru banking offers a simple way to handle deposits and withdrawals without leaving your vehicle. Our dedicated team is ready to help you explore a range of personal and business banking services, including checking accounts, auto loans, mortgages, and more. Feel free to give us a call at 406-656-9100 if you have any questions or need assistance. We invite you to come visit us at Valley Financial where banking meets community!

Member Eligibility

At Valley Financial, we believe in building a community where everyone can thrive. Joining us as a member is easy and welcoming! If you live, work, worship, or attend school in the area around our branch at 2955 Grand Ave Billings Mt 59102, you're already eligible to become part of our family. We strive to create an inclusive environment that empowers our members with a variety of financial products and personalized services designed to meet your needs. To get started, simply reach out to us at (406) 656-9100 for any questions or visit our website for detailed information about eligibility and account opening procedures. We're excited to help you take this step toward better financial health! For more specifics on eligibility, you can check out this resource: . Welcome to the community let's grow together!

Business Banking & Commercial Services

Practical Merchant Services

In addition to loans, we offer a range of merchant services designed to streamline operations for local businesses. Imagine having the ability to accept payments easily, manage cash flow efficiently, and access funds quickly when needed. Our services provide practical solutions that help you focus on what matters most growing your business. Visit us at 2955 Grand Ave Billings Mt 59102 in Billings, MT or call us at (406) 656-9100 to learn more about how we can support your business journey!

Tailored 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.

Comprehensive List Of Services

ATM & Drive-Thru Services

If you prefer face-to-face interactions or need quick access to cash, our branch features a Drive-Thru Banking service for deposits and withdrawals along with basic transactions. We also have an ATM available for convenient cash withdrawals and balance checks at any time. We invite you to visit us at our Billings location or call us at 406-656-9100 for more information about how we can assist you with your financial journey. At Valley Financial, we're here to support all your banking needs!

Business Banking Solutions

For local entrepreneurs and businesses, we offer tailored solutions like Merchant Services that simplify payment processing and enhance your customer experience. Additionally, our Business Loans can provide the necessary capital to grow your venture.

Digital Banking Convenience

In today's fast-paced world, convenience is key. With our Online & Mobile Banking, managing your finances has never been easier. You can check balances, transfer funds, and pay bills right from your smartphone or computer. Our secure platform ensures that your information remains protected while giving you easy access whenever you need it.

Personal Banking Services

When it comes to personal banking, we understand that every member has unique financial goals. That's why we offer Checking & Savings Accounts that help you manage your money effectively while earning interest. If you're in the market for a vehicle, our Auto Loans & Vehicle Financing options can get you behind the wheel without breaking the bank. Thinking about buying a home? Our Mortgage Loans & Refinancing services provide competitive rates and flexible terms that fit your budget. For those unexpected expenses or big purchases, our Personal Loans & Debt Consolidation options offer quick access to cash with manageable repayment plans. Plus, enjoy shopping rewards with our Credit Cards with Rewards, designed to give back as you spend.

Digital & Online Banking

Key Services

Our online banking platform, accessible at https://www.valleyfcu.com/, is available 24/7, allowing you to check your account balances, pay bills, and transfer funds whenever you need to. Whether it's early in the morning or late at night, you can count on us to be there for you. Plus, we offer person-to-person transfers, so sending money to friends or family is quick and hassle-free. For those who prefer using their smartphones, our mobile application makes banking even easier. You can download it today and enjoy features like real-time account management right in your pocket. If you're looking to go paperless, we provide e-statements for added convenience and security no more waiting for mail delivery!

Security and Accessibility

At Valley Financial, we prioritize your security. While we don't currently support electronic signature authorization or mobile payments, our systems are designed with robust security measures to protect your information. You can bank with peace of mind knowing that your financial data is safe. We're committed to making banking accessible for everyone. Our user-friendly platform ensures that managing your finances is straightforward, whether you're tech-savvy or just getting started with online banking. In summary, our digital banking services at Valley Financial are all about providing you with the tools you need for effective financial management anytime, anywhere. Join us today and experience the ease of modern banking!

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 are proud to share the strength of our financial position, assuring you that your trust in us is well-placed. 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. 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. Our operational efficiency shines through with a reported net income of $3,794,458, which enables 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. The total share accounts stand at 75,728, reflecting a strong and growing member base that trusts us with their finances. Our net shares (funds available for lending and investments) amount to $0, indicating a healthy balance between deposits and loans. 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 2955 Grand Ave Billings MT 59102 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

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 to make your car-buying experience as smooth as possible.

Business Financing

For business owners, our outstanding commercial loans totaling $37,207,106 provide the capital needed to grow and expand. Whether you're starting a new venture or need funds for operational costs, our team is ready to assist you in finding the right solution.

Eligibility and More Information

To learn more about our loan offerings or if you have any questions regarding eligibility options for refinancing or new applications, please don't hesitate to contact us at 406-656-9100 or visit us at 2955 Grand Ave Billings Mt 59102. At Valley Financial, we are committed to supporting our members' financial journeys. 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 look forward to helping you achieve your goals!

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 aim to provide you with tailored solutions that fit your budget and lifestyle. Refinancing options are available for existing loans as well.

Unsecured Credit Cards

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 credit cards come with competitive rates and rewards that can benefit your everyday purchases.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: All loan offers are sourced from legitimate financial institutions, ensuring full transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Users have access to up-to-date loan rates from multiple institutions, empowering them to make informed decisions. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" 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.*

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). This commitment to transparency ensures that users receive fair and reliable loan offers.