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

Introduction

Welcome to Valley Financial, your trusted partner in achieving financial well-being right here in Columbus, MT. Since our founding in 1949, we have dedicated ourselves to serving our community with integrity and care. With a robust membership of 37,290 and total assets exceeding $496 million, we take pride in providing personalized banking solutions tailored to meet the needs of each member. Located at 400 W Pike Ave, our Columbus Branch is more than just a place to bank; it's a hub for support and guidance on your financial journey. Whether you're looking for checking accounts, auto loans, or business services, our experienced team is here to help you navigate your options. While members can visit us at this location, official correspondence should be sent to our mailing address at PO Box 716, Columbus, MT 59019-7190. As of now, we boast total deposits of $52,913,402 and a net worth of $56,801,239, reflecting our commitment to financial strength and stability. Our current cash reserves stand at $4,828,823, ensuring that we are well-prepared to meet your needs promptly and efficiently. Under the leadership of CEO Casey Klein and Board President Gabriel Briano, our dedicated team of 121 employees works tirelessly to create positive experiences for all members. At Valley Financial, we believe in making banking accessible. That's why we offer various services including online and mobile banking options for convenience. Plus, with no borrowings on record and significant shares deposited amounting to over $435 million, you can trust that your money is in safe hands. We invite you to experience the difference that a member-focused credit union can make in your life. Feel free to reach out at 406-322-4770 or explore more about our offerings by visiting our website. We're here for you every step of the way!

Branch History & Mission

Our Mission

At Valley Financial, our mission is clear: we aim to improve the financial well-being of our members while giving back to the community we serve. We understand that life can present challenges and opportunities alike; therefore, we strive to provide accessible financial resources that empower individuals and families. Our dedicated team is committed to offering personalized service that reflects our core values of integrity and respect. In addition to our robust financial offerings, we prioritize community outreach. Whether it's through educational workshops or partnerships with local organizations, we believe in investing in our community's future. We also leverage technology to enhance member experiences offering online banking and mobile applications that keep you connected wherever you are. While members can visit us at 400 W Pike Ave for all their banking needs during lobby hours (Monday-Thursday 9:00am-4:00pm and Friday 9:00am-5:00pm), official correspondence should be sent to PO Box 716, Columbus, MT 59019-7190 if needed. We invite everyone in Columbus and surrounding areas to explore what Valley Financial has to offer. Join us today and experience firsthand how we can help you achieve your financial goals while supporting a credit union that truly cares about its members and community! If you have any questions or need assistance, don't hesitate to call us at 406-322-4770. Together, let's build a brighter future!

Branch Location & Accessibility

Local Landmarks and Accessibility

Finding us is a breeze! We are situated near popular local spots that make our branch easy to locate. Plus, our facility is designed with accessibility in mind, featuring ADA-compliant entrances and parking to ensure everyone can visit us comfortably. While members can visit us at our branch address, any official correspondence should be sent to PO Box 716, Columbus, MT 59019-7190. We want to make sure all your communication gets to the right place!

Operating Hours and Services

At Valley Financial, we understand that your time is valuable. That's why our lobby hours are designed to fit your schedule: we're open Monday through Thursday from 9:00 AM to 4:00 PM and Fridays until 5:00 PM. If you prefer a walk-up service, we welcome you Monday through Friday from 8:30 AM to 5:00 PM and even on Saturdays from 9:00 AM to noon! We offer a variety of services tailored to meet your financial needs. From checking and savings accounts to auto loans and mortgages, we have solutions for both personal and business banking. While we currently do not have ATM services or drive-thru options at this location, our team is dedicated to providing excellent service within our branch.

Visit Us Today!

We invite you to stop by or give us a call at 406-322-4770 for any questions you may have about our services. At Valley Financial, we're committed to supporting our community with friendly service and personalized financial solutions. We look forward to seeing you soon!

Member Eligibility

At Valley Financial, we believe that joining our community should feel like stepping into a warm and welcoming space where you truly belong. Becoming a member is simple and open to anyone who lives, works, worships, or attends school in the area around 400 W Pike Ave Columbus Mt 59019. We're here to support you with various financial services tailored to your needs. Whether you're looking for a checking account, an auto loan, or simply want to start saving for the future, you'll find that being part of Valley Financial offers you not just great rates but also a friendly face ready to help. To get started, all you need to do is give us a call at (406) 322-4770 or visit our website for more details about membership eligibility. You can find comprehensive information about how to qualify by visiting this link: . Once you're ready to open an account, the process is straightforward and designed with you in mind. Join us today and experience the benefits of being part of our family!

Business Banking & Commercial Services

Merchant Services Made Easy

In addition to our loan offerings, we provide comprehensive merchant services that simplify payment processing. Imagine focusing on serving your customers while we take care of secure transactions making it easier for you to run your business smoothly. Located at 400 W Pike Ave Columbus Mt 59019 in Columbus, MT, we invite you to visit us or call (406) 322-4770 to learn how we can partner with you on your journey to success.

Outstanding Support

With an outstanding commercial loan portfolio of $37,207,106, we continue to drive economic growth by financing new and expanding businesses. Our dedicated team is here to guide you through the loan process, ensuring you find the right fit for your financial goals.

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. This financial backing allows entrepreneurs to invest in new equipment, hire more staff, or expand their services. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions.

Comprehensive List Of Services

Convenient Access Anytime

With ATM and cash withdrawal services, accessing your funds is quick and hassle-free. While we currently don't have ATM facilities at this location, our commitment to providing excellent service means we're always exploring ways to enhance member access. We invite you to visit us at the Columbus Branch or give us a call at 406-322-4770 to learn more about how Valley Financial can assist you with all your financial needs. Experience the convenience of personalized service today! For more information on all our offerings, feel free to explore our website at Valley Financial. Let us help you achieve your financial goals!

Empowering Local Businesses

For entrepreneurs in our community, our business banking services include merchant services and business loans. We know that running a business comes with its own set of challenges, so we strive to provide tailored financial solutions that can help your business thrive.

Financing Your Home Dreams

Thinking about buying a home? Our mortgage loans and refinancing solutions make homeownership more accessible than ever. We work closely with you to find the right mortgage that fits your budget and lifestyle. Plus, our experienced team is ready to guide you through the process every step of the way.

Personal Banking Made Easy

Our personal banking services include checking and savings accounts designed to help you manage your money efficiently. Imagine easily accessing your funds through our convenient online and mobile banking platforms. You can check balances, transfer money, and pay bills anytime, anywhere. If you're considering purchasing a new car or refinancing an existing loan, we offer competitive auto loans and vehicle financing options tailored just for you.

Personal Loans for Life's Needs

Life can be unpredictable, which is why we provide personal loans and debt consolidation options to help you navigate financial challenges. Whether it's unexpected expenses or consolidating high-interest debts into one manageable payment, we're here to support your journey toward financial stability.

Rewards with Every Purchase

If you're looking for flexibility in your spending, consider our credit cards with rewards. These cards not only help you manage everyday purchases but also reward you for them! Enjoy cashback or points that can be redeemed for travel or merchandise it's like earning while you spend!

Digital & Online Banking

Key Features for Your Convenience

You can take advantage of e-statements, which allow you to view your account statements online anytime you need them. This not only saves paper but also helps keep your financial records organized. With no electronic signature authorization required, signing up for e-statements is quick and straightforward. For those on the go, our mobile application offers all the features of online banking right in your pocket. You can perform person-to-person transfers with ease, making it simple to send money to friends or family in an instant. While mobile payments are not available at this time, our app ensures that managing your finances remains easy and efficient.

Safety and Accessibility

At Valley Financial, we prioritize the safety of your information. Our systems are designed with security in mind, so you can bank confidently knowing that your data is protected. Plus, with 24/7 online banking services available, you have complete control over your finances whenever it suits you. In summary, Valley Financial's digital banking solutions empower you to manage your accounts effortlessly while ensuring your information stays secure. Explore all these great features by visiting us at valleyfcu.com today!

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 dedicated to ensuring your financial well-being, and our robust financial strength reflects our commitment to 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. 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 is reflected in our impressive 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. Our net shares available for lending stand at $0, yet the trust placed in us by our members is evident from the 75,728 total share accounts we manage. This showcases a strong and growing member base that trusts us with their finances. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. 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 400 W Pike Ave Columbus MT 59019 or call 406-322-4770 to learn more about how we can help you achieve your financial goals.

Loan Offering

Additional Loan Options

If you're considering expanding your business, our outstanding commercial loans totaling $37,207,106 provide the capital needed to grow and expand. We aim to support local businesses by offering tailored lending solutions that align with your objectives. For all our loan products, refinancing options are available to ensure you get the most favorable terms as your financial situation changes. Our team is here to discuss eligibility requirements and help you navigate through various offerings. Our 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 committed to supporting our members every step of the way. Explore our loan offerings today and discover how we can help you meet your financial goals!

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 looking for financing for a brand-new car or a reliable used vehicle, we've got options that suit your budget.

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 understand that securing a mortgage is a significant step, and our experienced team will guide you through the process to find the best solution for your needs.

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. This option provides an excellent way to consolidate debt or cover unexpected expenses without the need for collateral.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: All loan offers come from reputable financial institutions, ensuring transparency in what users see. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results that truly reflect current market conditions. - Real-Time Rate Comparisons: Users can access 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 member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial highlights how effective the platform can be in identifying better financing options. 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 Loan 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 ensures that users receive fair and transparent offers. By focusing solely on legitimate lenders, LendMesh maintains a commitment to accuracy and reliability in its loan comparisons.