Valley Financial Credit Union Cody WY | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Valley Financial, your trusted partner in financial well-being located at 1902 Cougar Ave, Cody, WY 82414. Since opening our doors in 1949, we have proudly served the community with a commitment to providing exceptional financial services tailored to meet the needs of our members. With a robust membership base of 37,290 individuals, we are dedicated to fostering a supportive environment where everyone can achieve their financial goals. At Valley Financial, we understand that banking is more than just numbers; it's about building relationships and making a positive impact in the lives of our members. Our total assets amount to an impressive $496,997,591, ensuring that we have the resources necessary to support you through all stages of life. Whether you're looking for personal banking options like checking and savings accounts or financing solutions such as auto loans and mortgages, we are here for you. Our leadership team, led by CEO Casey Klein and Board President Gabriel Briano, is committed to maintaining high standards of service and integrity. With a dedicated team of 121 employees, we're ready to assist you with every transaction, big or small. And if you need assistance outside of branch hours, our online and mobile banking options make it easy to manage your finances on-the-go. While members can visit us at our branch for personalized service, official correspondence should be sent to our mailing address: PO Box 1268, Cody, WY 82414. We invite you to explore the wide range of services we offer, including business banking solutions and credit cards with rewards. Join us today and experience the Valley Financial difference! For any inquiries or assistance, don't hesitate to reach out at 307-587-2274 or visit us online at www.valleyfcu.com. Let's work together towards achieving your financial aspirations!

Branch History & Mission

At Valley Financial, we take pride in our rich history and unwavering mission to serve our community. Established in 1949, our Cody Branch has grown alongside the residents of Cody, Wyoming. With a commitment to providing quality financial services, we have built lasting relationships with our members and have become an integral part of the community. Located at 1902 Cougar Ave, Cody, WY 82414, our branch is easily accessible and just a short drive from local landmarks like the Buffalo Bill Center of the West and the scenic Shoshone National Forest. Our friendly team is here to welcome you during our operating hours: Monday through Friday from 9:00 AM to 5:00 PM, with drive-thru service available from 8:30 AM to 5:30 PM on weekdays and 9:00 AM to 12:00 PM on Saturdays. Valley Financial is more than just a credit union; we are a community-focused institution dedicated to supporting our members' financial well-being. Our mission is simple yet powerful: to provide exceptional financial services while fostering a spirit of cooperation and support within the community. We strive to empower individuals and families by offering a range of services including checking and savings accounts, auto loans, mortgages, personal loans, credit cards with rewards, and business banking solutions. As of now, we proudly serve 37,290 members and manage total assets of $496,997,591. This growth reflects our commitment to putting people first and ensuring that everyone has access to the financial resources they need. We also embrace technology by offering online banking options, mobile payments through our app, and convenient ATM access for all your banking needs. Our dedication extends beyond just banking. We actively engage in partnerships and outreach programs that benefit local organizations and initiatives. By participating in community events and supporting local causes, we aim to uplift those around us while fostering a sense of belonging among our members. If you're looking for a credit union that values your needs and prioritizes community support, we invite you to join Valley Financial. Experience the difference of being part of an organization that truly cares about your financial journey. For any inquiries or assistance, feel free to reach us at 307-587-2274 or visit us at Valley Financial. Together, let's build a brighter financial future!

Branch Location & Accessibility

Accessibility Features

We understand that accessibility is important for all our members. Our branch is designed with features that comply with ADA standards, ensuring that everyone can comfortably access our services. There's ample parking available right outside, making it easy for you to visit us.

Call to Action

Ready to experience personalized service? We invite you to visit us at Valley Financial in Cody or give us a call at 307-587-2274 if you have any questions. We look forward to serving you soon!

Operating Hours

We're here when you need us! Our lobby hours are Monday through Friday from 9:00 AM to 5:00 PM, and we also offer drive-thru banking from Monday to Friday starting at 8:30 AM until 5:30 PM. On Saturdays, the drive-thru is open from 9:00 AM to 12:00 PM. Whether you're coming in for personal banking or business services, we've got you covered!

Services Offered

At Valley Financial, we provide a wide range of services tailored to meet your needs. From checking and savings accounts to auto loans and mortgages, our offerings are designed to support your financial journey. If you prefer handling transactions on the go, take advantage of our ATM services and online banking options. With a drive-thru option available for quick deposits and withdrawals, banking has never been easier!

Member Eligibility

Becoming a member of Valley Financial is like joining a family that truly cares about your financial well-being. Located at 1902 Cougar Ave Cody Wy 82414, we welcome anyone who lives, works, worships, or attends school in the area. It's that simple! Our community-focused approach means that when you join us, you're not just opening an account; you're becoming part of a supportive network where your voice matters and your needs are prioritized. For those interested in exploring the benefits of membership, including personalized banking services and competitive loan options, you can find all the eligibility details on our website at . If you have questions or want to start the process, feel free to give us a call at (307) 587-2274. We're excited to help you take this important step toward achieving your financial goals!

Business Banking & Commercial Services

Merchant Services That Matter

Imagine having a payment solution that simplifies your transactions while enhancing customer satisfaction. Our merchant services do just that! Whether you're a local café or an online retailer, our solutions make it easy for you to accept payments and manage your cash flow effectively. Located at 1902 Cougar Ave Cody Wy 82414 in Cody, WY, we're here to partner with you on your journey towards business success. Reach out to us at (307) 587-2274 to explore how our business banking and commercial services can help you achieve your 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. - 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.

Comprehensive List Of Services

Accessibility Made Easy

For those who prefer face-to-face interactions, we provide basic drive-thru banking for quick deposits, withdrawals, and simple transactions without leaving your car. Our friendly staff is available during regular lobby hours: Monday through Friday from 9:00 AM to 5:00 PM and Saturday from 9:00 AM to 12:00 PM. At Valley Financial, we strive to make banking easy and accessible for everyone in Cody. If you have questions or would like more information about any of our services, please don't hesitate to reach out at (307) 587-2274. Join us today and experience the difference in community-focused banking!

Business Banking

If you're a business owner, we haven't forgotten about you! Our business banking services include merchant services to help streamline your transactions, along with various business loans to help your company grow and thrive.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking options that allow you to manage your accounts from anywhere. Check balances, transfer funds, and pay bills all at the touch of a button! Plus, our ATM services mean cash is always within reach, whether you're making withdrawals or checking balances.

Loans and Credit Options

We also provide personal loans for those unexpected expenses that can pop up from time to time. From debt consolidation to funding a special project, our team will work with you to find the right loan option. And don't forget about our credit cards! With rewards programs that give back on everyday purchases, you can earn while spending.

Personal Banking

Our personal banking services include checking and savings accounts designed to fit different lifestyles. Whether you're saving for a vacation or managing daily expenses, we have the right account for you. Need a vehicle? Our auto loans and vehicle financing options can help you drive away in the car of your dreams with competitive rates and flexible terms. If you're looking to purchase a home or refinance your current mortgage, our mortgage loans offer tailored solutions for every situation.

Digital & Online Banking

Convenient Online Banking

With our 24/7 online banking services available at https://www.valleyfcu.com/, you can access your accounts anytime, anywhere. You can check your balances, transfer funds, and pay bills with just a few clicks. No more waiting in line at the bank your financial information is right at your fingertips.

Mobile Banking Made Easy

For members who are always on the move, our mobile application makes banking even simpler. You can download our app and enjoy a user-friendly experience that allows you to manage your accounts from anywhere. Although mobile payments are not currently available, our other features ensure you have all you need for efficient banking on the go. In summary, Valley Financial is committed to providing secure and accessible digital banking solutions that meet your needs. Explore all these services and more by visiting us online!

Real-Time Account Management

Stay on top of your finances with features like person-to-person transfers, which let you send money easily to friends and family. Need to review your statements? Our e-statements make it simple to track your spending without cluttering up your mailbox. Plus, for those who prefer to sign documents electronically, we offer electronic signature authorization for added convenience.

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 how important it is for you to trust your financial institution, and we are committed to providing a solid foundation for your banking needs. 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 is reflected by the $37,550,973 in total loans and leases available to support your financial goals across various sectors. Our operational efficiency is evident with a 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, committed team. Total Share and Deposit Accounts stand at an impressive 75,728, showcasing 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 1902 Cougar Ave Cody Wy 82414 or call 307-587-2274 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 ensure you find a plan that fits your budget.

Credit Lines and Unsecured Credit Cards

For those seeking additional flexibility in their finances, we offer total credit lines amounting to $68,547,310. These can be valuable for unexpected expenses or planned purchases. We also provide flexible terms on unsecured credit card loans, with a total of $7,341,929 in loans helping members manage their finances effectively.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. With our Junior Lien 1-4 Family Residential Properties loans totaling $32,404,799, you can take confident steps towards owning your dream home. We also have refinancing options available to help you lower your monthly payments or access equity in your property.

Supporting Local Businesses

For business owners in our community, our outstanding commercial loans totaling $37,207,106 provide the capital needed to grow and expand. We understand the unique challenges faced by small businesses and are here to support you every step of the way. If you're interested in any of our loan products or would like more information about refinancing options and eligibility criteria, please don't hesitate to reach out! You can contact us at 307-587-2274 or visit us at our branch located at 1902 Cougar Ave Cody Wy 82414. 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 helping you navigate your financial journey with ease and confidence!

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