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

Introduction

Welcome to Valley Financial, your trusted partner in personal and business banking since 1949. Located at 1445 Main St, Billings, MT 59105, our Heights Branch is dedicated to providing exceptional financial services tailored to meet the needs of our community. With a strong commitment to member satisfaction, we proudly serve over 37,290 members and manage assets totaling $496,997,591. At Valley Financial, we understand that banking is more than just transactions; it's about building relationships. Our experienced team, led by CEO Casey Klein and Board President Gabriel Briano, is here to assist you with a variety of services including auto loans, mortgage options, and credit cards that reward you for every purchase. We currently offer 22,334 loans and leases, reflecting our dedication to helping our members achieve their financial goals. While members can visit us at our branch address for all their banking needs, official correspondence should be sent to the same address: 1445 Main St, Billings, MT 59105. Our lobby hours are conveniently designed for your busy schedule: Monday-Thursday from 9:00 AM to 4:00 PM, Friday from 9:00 AM to 5:00 PM, and Saturday from 9:00 AM to 1:00 PM. Your financial well-being matters to us. With total deposits amounting to $52,913,402 and a robust net worth of $56,801,239, we are positioned not only to support your current needs but also help you plan for a secure future. Whether you're looking for personal banking solutions or business services such as merchant accounts and business loans, we're here for you every step of the way. We invite you to call us at 406-656-9100 or visit our website at www.valleyfcu.com for more information on how we can serve you better. Experience the Valley Financial difference today!

Branch History & Mission

Community Engagement

Valley Financial is more than just a credit union; we are an active participant in the Billings community. We engage in various outreach programs and partnerships that support local initiatives, educational projects, and charitable events. It's important for us to give back to the community that has supported us throughout our journey.

Our Mission

Our mission at Valley Financial is simple yet powerful: to empower our members by providing exceptional financial services while fostering a sense of community support. We believe that everyone deserves access to quality banking solutions that can make a real difference in their lives. Whether it's through personal banking options like checking and savings accounts, auto loans, mortgages, or business banking services, we aim to create financial opportunities for all. We take pride in our commitment to innovation and accessibility. Our digital banking services make it easier for members to manage their finances on the go. We are also dedicated to ensuring our facilities are ADA compliant so that everyone can benefit from our services without barriers.

Visit Us Today!

While you can reach out to us anytime at (406) 656-9100, we encourage you to visit us at our branch on Main St. Our friendly team is ready to assist you during our lobby hours: Monday through Thursday from 9:00 AM to 4:00 PM, Friday until 5:00 PM, and Saturday from 9:00 AM to 1:00 PM. For those who prefer drive-thru banking, we're open Monday through Friday from 7:30 AM to 6:00 PM. Join Valley Financial today and discover how we can help you take control of your finances while being part of a caring community! Visit us online at www.valleyfcu.com for more information about membership benefits and services available at our branch.

Branch Location & Accessibility

Connect With Us

We're excited to help you with your financial journey! If you have any questions or need assistance, don't hesitate to reach out by calling us at 406-656-9100. Our friendly team is here to help! Come visit us at Valley Financial Heights Branch we look forward to seeing you soon!

Operating Hours

We understand that life can get busy, so we offer flexible operating hours tailored to fit your schedule. Our lobby is open Monday through Thursday from 9:00 AM to 4:00 PM, Friday from 9:00 AM to 5:00 PM, and Saturday from 9:00 AM to 1:00 PM. If you're on the go and need quick service, our drive-thru is available Monday through Friday from 7:30 AM to 6:00 PM and Saturday from 9:00 AM to 1:00 PM.

Services Offered

At Valley Financial Heights Branch, we provide a variety of services tailored just for you. Whether you're looking for personal banking options like checking and savings accounts or need assistance with auto loans and mortgages, we've got you covered. Our ATM availability ensures that you can access your cash whenever you need it. Plus, our drive-thru service allows for simple transactions without leaving your car perfect for those busy days!

Member Eligibility

Joining the family at Valley Financial means stepping into a community where your financial well-being is our top priority. Becoming a member is easy and welcoming. If you live, work, worship, or attend school in the area, you're likely eligible! We also embrace a range of memberships for those who may be part of specific groups or organizations, ensuring that everyone has a chance to benefit from our services. For detailed eligibility criteria, feel free to explore this resource. Once you see how simple it is to qualify, opening an account will be just as effortless. You can reach out to us at (406) 656-9100 for any questions or to get started on your membership journey today. At Valley Financial, we're not just about banking; we're about building connections that matter. Come visit us at 1445 Main St Billings Mt 59105 we can't wait to welcome 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 funds available to purchase new equipment, hire additional staff, or invest in marketing efforts. Our loans empower business owners like you to turn dreams into reality.

Merchant Services

In addition to loans, we provide practical merchant services that simplify daily operations. From payment processing solutions to cash management tools, these services ensure your business runs smoothly. For example, consider how accepting various payment methods can enhance customer satisfaction and drive sales making transactions easy for both you and your clients. Located at 1445 Main St Billings Mt 59105 in Billings, MT, our dedicated team is here to guide you every step of the way. Reach out at (406) 656-9100 and discover how we can help your business succeed!

Comprehensive List Of Services

ATM & Drive-Thru Services

We also have ATM availability for quick cash withdrawals and balance checks without stepping inside the branch. For those who prefer face-to-face interactions but want the speed of modern banking, our basic drive-thru banking allows for deposits, withdrawals, and simple transactions without leaving your car. In summary, whether you're looking for personal banking solutions or need support for your business endeavors, Valley Financial is committed to being your trusted financial partner. Visit us at 1445 Main St Billings Mt 59105 in Billings, MT, or call us at (406) 656-9100 today to learn more about how we can assist you with all your financial needs!

Business Banking

For business owners, we offer comprehensive business banking services including merchant services and business loans. Whether you're starting out or expanding, our team is here to help facilitate your growth.

Credit Cards with Rewards

With our credit cards, you not only have access to credit but also earn rewards on everyday purchases. Whether you're shopping for groceries or booking travel, every swipe brings you closer to exciting rewards.

Digital Banking Convenience

In today's fast-paced world, convenience is key. That's why Valley Financial provides robust online and mobile banking features. You can easily manage your accounts anytime, anywhere whether it's paying bills, transferring funds between accounts, or checking balances on the go.

Mortgage Loans & Refinancing

If you're considering buying a home or refinancing your existing mortgage, our mortgage loans come with flexible terms and rates that can fit various budgets. We understand that purchasing a home is one of the biggest decisions you'll make, and our team is dedicated to helping you find the right loan for your situation.

Personal Banking

Our personal banking options include checking and savings accounts tailored to help you manage your money effectively. Imagine having access to an account that suits your spending habits while offering competitive interest rates to grow your savings. We also provide auto loans and vehicle financing, making it easier than ever to drive away in a car you love without breaking the bank.

Personal Loans & Debt Consolidation

Need extra cash? Our personal loans can assist with anything from unexpected expenses to planned projects. If you're looking to simplify your financial life, consider our debt consolidation options that can combine multiple payments into one easy monthly payment.

Digital & Online Banking

Convenient Online Access

With our 24/7 online banking services available at https://www.valleyfcu.com/, you can access your accounts anytime and anywhere. Whether you're checking balances, transferring funds, or reviewing transactions, it's all just a few clicks away. Our user-friendly interface ensures that you can navigate through your options with ease, giving you control over your finances right from the comfort of your home or on the go.

Mobile Application and Features

For those who prefer to bank from their smartphones, our mobile application is here to help. Available for download now, this app allows you to manage your accounts with just a tap. Although mobile payments are not currently supported, you can still enjoy person-to-person transfers sending money to friends or family has never been easier!

Real-Time Account Management

In today's fast-paced world, having real-time access to your financial information is crucial. Our online platform allows you to monitor your account activity instantly, making it easy to stay on top of your finances and avoid surprises. In summary, Valley Financial offers an array of digital banking solutions that prioritize convenience and security. Experience hassle-free banking today by visiting us online at https://www.valleyfcu.com/!

Secure and Eco-Friendly Options

Your security is our top priority. While we don't offer electronic signature authorization yet, we ensure all transactions are safeguarded by robust security measures. Plus, say goodbye to paper clutter! With e-statements available at Valley Financial, you can opt for digital statements instead of traditional mail. This not only helps you stay organized but also contributes to a greener planet.

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 that trust is built through transparency and performance, so we're proud to share our financial strength 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, with $37,550,973 in total loans and leases, including $11,461 in used auto loans, our lending capacity supports members' financial goals across various sectors. Our operational efficiency shines through with a 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. With 75,728 total share accounts, we show 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 1445 Main St Billings MT 59105 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 Loan Options

For those looking for business opportunities, our outstanding commercial loans totaling $37,207,106 provide the capital needed to grow and expand your business ventures. We also have competitive credit lines available with a total amount of $68,547,310, ensuring that you have access to funds when you need them most. If you are considering refinancing any of these products or would like to learn more about eligibility options available at Valley Financial, please don't hesitate to ask our knowledgeable staff during your visit or call us directly. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Valley Financial, we are committed to supporting our members' financial journeys with transparency and expertise. Let us help you take the next step toward achieving your financial dreams today!

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 interested in financing a new model or a pre-owned vehicle, we have flexible terms tailored to fit your budget.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We provide Junior Lien 1-4 Family Residential Properties loans totaling $32,404,799. Whether you're stepping into your first home or looking to refinance an existing loan, our dedicated team will guide you through every step of the process.

Unsecured Credit Card Loans

Managing day-to-day expenses can 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, our credit cards come with features designed for your convenience and financial wellness.

Loan Aggregator

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 users can trust that they are viewing legitimate loan options.

Call to Action

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.*

Trust-Building Benefits

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