Financial Strength
At Valley One Community, 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 committed to providing you with a reliable banking experience, and our solid financial standing reflects that commitment. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. With a net worth of $4,612,436, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 12.35% 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 $1,512,359 in share certificates and $569,022 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $3,565,186 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 your financial goals with $1,430 in used auto loans and $9,681,805 in total loans and leases. Our net income of $150,994 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 6 full-time employees and 5 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Total Share Accounts stand at 5,880, showing 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 One Community is your trusted partner. Visit us at 2990 Johnson Road Steubenville Oh 43952 or call 740-264-1402 to learn more about how we can help you achieve your financial goals.
Loan Offering
At Valley One Community, we understand that financial needs come in many forms, whether you're looking to buy a new car, purchase a home, or manage daily expenses. Our diverse loan products are designed to help you achieve your goals with ease and confidence. With over 759 loans issued, we've helped thousands of members achieve their financial goals. Our auto loans are particularly popular. Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $1,790,174 in used vehicle loans and $1,047,899 in new vehicle loans already helping members get on the road. If you're considering homeownership or refinancing your current mortgage, our mortgage options make the process straightforward. We offer Junior Lien 1-4 Family Residential Properties loans totaling $4,414,758, ensuring you have the support you need when making such an important investment. For those who need flexibility in managing their finances, we also provide unsecured credit card loans with a total of $343,481 available. These loans can be a great tool for handling unexpected expenses or consolidating debt. Additionally, if you're looking for credit lines for personal or business use, we have credit lines totaling $3,900,000 to help meet your needs. Although we currently do not offer commercial loans directly at this time, our focus remains on providing excellent service to individual members and families. At Valley One Community located at 2990 Johnson Road Steubenville Oh 43952, we prioritize your financial well-being. If you're interested in exploring our loan options further or have questions about refinancing or eligibility requirements, feel free to reach out to us at 740-264-1402. Remember that performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Join us today and let's work together towards a brighter financial future!
