Valley Financial Credit Union Bozeman MT | Best Auto Loans & Mortgage Rates

Introduction

Welcome to Valley Financial, your trusted partner in banking since 1949. Located at 1707 Oak St Ste A, Bozeman, MT 59715, we are dedicated to serving our community with a commitment that goes beyond just numbers. With a total membership of 37,290 and assets totaling an impressive $496,997,591, our focus is on providing personalized financial solutions tailored to your needs. At Valley Financial, we believe that banking should be more than just transactions it should be about building lasting relationships. Our team of 121 employees, led by CEO Casey Klein and Board President Gabriel Briano, is here to support you every step of the way. Whether you're looking for personal loans, auto financing, or business services, we offer a wide range of products designed to help you achieve your financial goals. While members can visit us at our Bozeman branch for all their banking needs, official correspondence should be sent to the same address listed above. We proudly hold a net worth of $56,801,239 and maintain healthy total deposits of $52,913,402, ensuring your funds are secure with us. We invite you to explore the many ways we can assist you whether it's through our online banking options or face-to-face consultations. For any inquiries or assistance, feel free to reach out at 406-548-9701. Together, let's build a brighter financial future! Visit us online at Valley Financial for more information.

Branch History & Mission

At Valley Financial, we take pride in our rich history and unwavering commitment to serving the Bozeman community. Established in 1949, our branch has grown alongside the people of this vibrant city, evolving from a small credit union into a trusted financial partner for over 37,000 members. Located at 1707 Oak St Ste A, Bozeman, MT 59715, we are just a stone's throw away from local landmarks that highlight the beauty and spirit of our region. Our mission is clear: to empower our members with accessible financial services while fostering a strong sense of community support. We strive to provide personalized banking solutions that cater to every stage of life whether it's helping you secure your first auto loan, guiding you through the process of home financing, or offering business banking services designed to help local entrepreneurs thrive. As we look back on our journey, we celebrate key milestones such as expanding our service offerings and embracing technology to enhance member experience. Our commitment to digital advancements ensures that you can manage your finances anytime and anywhere with online and mobile banking options. We also maintain ADA compliance to ensure all members have equal access to our services. Valley Financial takes pride in our community outreach efforts. We actively participate in local events and partner with various organizations to support initiatives that uplift our neighborhood. Whether it's sponsoring youth sports teams or organizing financial literacy workshops, we are dedicated to giving back and making a positive impact. While members can visit us at 1707 Oak St Ste A, official correspondence should be sent to 1707 Oak St Ste A, Bozeman, MT 59715-2125. Our lobby hours are Monday through Friday from 9:00 AM to 5:30 PM. We offer ATM services for your convenience but currently do not have drive-thru banking available. With total assets exceeding $496 million, Valley Financial stands strong as a pillar of financial stability in the community. We invite you to join us on this journey experience the benefits of being part of a credit union that truly cares about its members and their needs. Contact us today at 406-548-9701 or visit us online at Valley Financial to learn more about how we can support your financial goals!

Branch Location & Accessibility

Welcome to Valley Financial, your trusted credit union located conveniently at 1707 Oak St Ste A in Bozeman, Montana. Nestled in the heart of Gallatin County, our Bozeman Branch is easily accessible for all your banking needs. Whether you're near the vibrant downtown area or exploring the beautiful local parks, you'll find us ready to serve you just a short drive away. While members can visit us at our branch address, official correspondence should be sent to 1707 Oak St Ste A, Bozeman, MT 59715-2125. We pride ourselves on providing an inviting environment with features that make banking easy and accessible for everyone. Our parking lot offers ample space, and we are committed to ensuring accessibility for all members, including those who may need ADA-compliant facilities. Our lobby hours are designed to fit into your busy schedule, open Monday through Friday from 9:00 AM to 5:30 PM. If you're looking for quick access to your accounts, we also have an ATM available on-site. While we do not currently offer drive-thru banking services, our friendly staff is always eager to assist you inside. At Valley Financial, we provide a range of services tailored to meet your financial goals whether it's personal banking like checking and savings accounts or financing options such as auto loans and mortgages. We encourage you to explore our offerings online or stop by for a chat about how we can help you achieve your financial dreams. Ready to experience personalized service? Call us today at 406-548-9701 or visit us at our Bozeman Branch. We look forward to welcoming you!

Member Eligibility

At Valley Financial, we believe that everyone deserves a chance to be part of a supportive community that values your financial well-being. Becoming a member is straightforward and welcoming! If you live, work, worship, or attend school in the Bozeman area, you're likely eligible to join us. We also welcome family members of existing members, making it easy to share the benefits of membership with your loved ones. For more detailed information about eligibility, feel free to check out our website at . Joining Valley Financial opens up a world of financial opportunities just for you. Whether you're looking for checking and savings accounts, auto loans, or credit cards with rewards, we have something to fit your needs. Plus, our dedicated team is here to assist you every step of the way. Ready to take the next step? You can reach us at (406) 548-9701 for any questions or visit us at 1707 Oak St Ste A, Bozeman MT 59715 to start your journey toward membership today!

Business Banking & Commercial Services

Commercial 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.

Merchant Services

Imagine having reliable merchant services that simplify transactions and boost sales. At Valley Financial, we offer solutions that make it easy for you to accept payments, manage cash flow, and keep your business running smoothly. Our merchant services help streamline operations so you can focus on what matters most growing your business. If you're ready to take your business to the next level, visit us at 1707 Oak St Ste A Bozeman Mt 59715 in Bozeman, MT, or give us a call at (406) 548-9701. Let's work together to turn your vision into reality!

Comprehensive List Of Services

Business Banking

For our business members, we provide comprehensive solutions including Merchant Services & Business Loans that can help grow your enterprise. We're here to support local businesses every step of the way.

Call Us Today!

We invite you to explore all these services and more at our Bozeman Branch. For any questions or assistance, feel free to reach out at 406-548-9701 during our lobby hours from Monday to Friday, 9:00 AM to 5:30 PM. Your financial well-being is our top priority at Valley Financial let us help you achieve your goals today! For more information about what we offer, visit us online at Valley Financial.

Digital Banking

In today's fast-paced world, having access to digital banking features is essential. At Valley Financial, we offer robust Online & Mobile Banking platforms that let you bank from anywhere at any time. Need cash quickly? Our ATM & Cash Withdrawal Services ensure you have access when you need it most. With basic ATM access for withdrawals and balance checks, managing your finances has never been easier.

Loans and Financing

If you're considering purchasing a new vehicle, our Auto Loans & Vehicle Financing options provide competitive rates and flexible terms. Picture yourself driving off in a car you love without financial strain. For those ready to buy a home or refinance an existing mortgage, our Mortgage Loans & Refinancing services ensure you find the right fit for your budget. Need extra cash for unexpected expenses? Our Personal Loans & Debt Consolidation solutions can help ease financial burdens, giving you peace of mind. And don't forget about our Credit Cards with Rewards they not only offer convenience but also allow you to earn points on purchases you make every day.

Personal Banking

Our personal banking services are designed with you in mind. We offer both Checking & Savings Accounts that help you manage your day-to-day transactions while saving for future goals. Imagine having easy access to your funds, with the ability to check your balance online or through our mobile app making banking convenient and stress-free.

Digital & Online Banking

Key Services

Our online banking services allow you to monitor your account balances, transfer funds, and pay bills all from the comfort of your home or on the go. If you're looking for quick and easy transfers, our person-to-person transfer feature makes it simple to send money to friends or family without any hassle. For those who prefer mobile banking, our dedicated mobile application gives you instant access to all your banking needs right from your smartphone. Whether you're checking your balance or making a payment, everything is just a tap away!

Security and Accessibility

We understand that security is essential when it comes to online transactions. Our platform is designed with robust security measures to protect your information while providing a user-friendly experience. You can rest easy knowing that your financial data is safe with us. Additionally, we offer e-statements so you can view your account statements electronically no more waiting for paper statements! And while we don't currently support electronic signature authorization or mobile payments, we're constantly exploring ways to enhance our services. With 24/7 online banking services available at Valley Financial, managing your finances has never been more straightforward. Enjoy real-time account management and the freedom to bank whenever it suits you best!

Financial Strength

A Growing Membership Base

Total Share and Deposit Accounts: 75,728, showing a strong and growing member base that trusts us with their finances. Our net shares (funds available for lending and investments) stand at zero; however, this signifies our commitment to reinvesting every dollar back into enhancing services for our members. 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 1707 Oak St Ste A Bozeman Mt 59715 or call 406-548-9701 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.

Member Savings and Security

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 net income of $3,794,458 reflects our operational efficiency. This allows 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.

Our 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.

Reinvesting in Our Community

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. This commitment is reflected in our lending capacity; with $22,922 in total auto loans and $375,509,739 in total loans and leases available for our members' financial goals.

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 financing a brand-new model or a reliable used vehicle, our flexible terms and competitive rates can make it easier for you to drive away with confidence.

Business Loans

For business owners, our outstanding commercial loans totaling $37,207,106 provide the capital needed to grow and expand. Whether you need funds for equipment purchases or operational costs, we are ready to support your business ambitions.

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 guide you through each step of the process and ensure you find the right mortgage solution for your situation.

Refinancing Options

If you're considering refinancing any existing loans or looking into eligibility options for our loan products, don't hesitate to reach out. Our team is available to discuss how we can help save you money and simplify your financial responsibilities. Feel free to visit us at our branch located at 1707 Oak St Ste A Bozeman Mt 59715, or call us at 406-548-9701 for more information on any of our loan offerings. 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're dedicated to serving our community by providing accessible financial solutions that empower you every step of the way. Let's work together toward achieving your financial aspirations!

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 features that cater to your spending habits while providing an easy way to keep track of your budget.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Comparisons

LendMesh ensures that the loan data presented is reliable and trustworthy. The information 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 sourcing verified data means users can expect fair and transparent offers when exploring their financing options.