VALLEY STRONG CREDIT UNION

Since our inception, Valley Strong has embraced the mission of providing accessible and affordable financial services to our members. With each passing year, we have expanded our offerings to include personal banking products such as checking and savings accounts, auto loans, mortgages, and business banking solutions. In addition to traditional services, we also focus on innovative digital banking options that make managing finances easier for everyone. Members can enjoy online banking, mobile payments, and person-to-person transfers right at their fingertips. Our commitment to community support has been unwavering. We believe in giving back through various outreach efforts and partnerships with local organizations. This spirit of service is reflected in everything we do as we strive to uplift those around us.

At the heart of Valley Strong lies our mission: to empower our members by delivering exceptional financial services while fostering a sense of community. We are dedicated to helping individuals achieve their financial goals whether it's buying a new home or starting a business. We understand that each member's journey is unique, and we are here to provide personalized support along the way. While you can visit us at our branch on Panama Lane for all your banking needs, official correspondence should be sent to PO Box 9506, Bakersfield, CA 93389 if you wish to reach us by mail. Our operating hours are convenient for you: Monday through Thursday from 9:00 AM to 5:00 PM, Friday from 9:00 AM to 6:00 PM, and Saturday from 9:00 AM until 1:00 PM. With an ATM available on-site and drive-thru services for quick transactions, Valley Strong is here for you when you need us most. We ensure that all our facilities meet ADA compliance standards because inclusivity is essential to us. Join us at Valley Strong! Experience the benefits of being part of a credit union that prioritizes its members and community above all else. Together, let's build a brighter financial future! For more information or to start your membership journey today, give us a call at 661-833-7900 or visit our website at www.valleystrong.com.

At our Panama Branch, you'll find a range of services tailored to meet your financial needs. From personal banking options such as checking and savings accounts to auto loans and mortgage refinancing, we have something for everyone. Plus, if you're in a hurry, enjoy the convenience of our drive-thru service for quick transactions like deposits or withdrawals. For those who prefer self-service options, we offer ATM availability right on-site. Need cash? Want to check your balance? Our ATM is ready when you are.

While members can visit us at 5001 Panama Ln, official correspondence should be sent to PO Box 9506 in Bakersfield. If you have any questions or need assistance before visiting, feel free to call us at 661-833-7900. We invite you to come by and see how Valley Strong can support your financial journey!

At Valley Strong, we prioritize your banking experience. Our branch features ample parking and is fully accessible for everyone, including those with disabilities. With ADA-compliant ramps and spacious entrances, we ensure that all members can comfortably visit us. We understand that life gets busy, so we've made it easy for you to connect with us during our operating hours. You can visit us Monday through Thursday from 9:00 a.m. to 5:00 p.m., on Fridays until 6:00 p.m., and even on Saturdays until 1:00 p.m. Whether you need to open an account, apply for a loan, or simply ask a question, our friendly staff is here to help.

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $213 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $40 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $202,521,933, we continue to drive economic growth by financing new and expanding businesses.

In addition to loans, we offer robust merchant services designed for everyday operations. Picture this: a local café streamlining payments through our easy-to-use processing system, allowing them to focus on what they do best serving customers delicious coffee and pastries. From payment processing to cash management, we're here to help your business thrive. Visit us at 5001 Panama Ln Bakersfield Ca 93313 in Bakersfield, CA, or call us at (661) 833-7900 to learn how we can support your business journey today!

For those who prefer traditional banking methods, we offer accessible options such as our ATM & Cash Withdrawal Services, as well as a basic drive-thru for quick transactions like deposits and withdrawals. With one ATM on-site, getting cash when you need it is straightforward and hassle-free.

In today's fast-paced world, convenience is key. That's why we've invested in robust Online & Mobile Banking platforms that allow you to manage your accounts from anywhere. With features like mobile payments and person-to-person transfers, handling your finances has never been easier. Whether you're checking balances or transferring funds, everything is just a few taps away.

When it comes to financing, we understand that life can throw unexpected expenses your way. That's why we offer Auto Loans & Vehicle Financing for those looking to purchase a new car or refinance an existing loan. Our Mortgage Loans & Refinancing solutions help you navigate home ownership with ease, ensuring that you find terms that fit your budget. For those in need of extra cash for personal projects or consolidating debt, our Personal Loans & Debt Consolidation options offer flexibility and competitive rates. Plus, our Credit Cards with Rewards give you the chance to earn while you spend, making every purchase count.

Managing your finances is simpler than ever with our Personal Banking options. We provide various Checking & Savings Accounts that cater to different lifestyles and needs. Imagine having instant access to your funds while earning interest on your savings it's all possible here at Panama Branch.

With operating hours from 9:00 AM to 5:00 PM Monday through Thursday, 9:00 AM to 6:00 PM on Friday, and 9:00 AM to 1:00 PM on Saturday, we're here when you need us most. If you have any questions or need assistance, don't hesitate to call us at (661) 833-7900. At Valley Strong, we are dedicated to helping you reach your financial dreams with confidence and ease. Explore how our comprehensive list of services can support your journey today!

We believe in supporting our community's entrepreneurs and small businesses. Our Business Banking services include essential tools like Merchant Services & Business Loans, allowing local businesses to thrive and grow right here in our area.

One of the standout features at Valley Strong is our ability to provide electronic statements, allowing you to receive and review your account information quickly without the clutter of paper. Additionally, if you're looking for a hassle-free way to send money to friends or family, our person-to-person transfer feature has got you covered. For those who prefer mobile banking, our mobile application lets you handle everything from deposits to payments right from your smartphone. You can even make mobile payments effortlessly!

Your security is our top priority. While we do not currently offer electronic signature authorization, rest assured that all transactions are protected with robust security measures. Our commitment to protecting your personal information means you can bank with peace of mind. In summary, Valley Strong provides a suite of digital banking services that emphasize accessibility and ease-of-use. With tools like e-statements, mobile banking capabilities, and person-to-person transfers, managing your finances has never been easier or more secure. Visit us today to learn more about how our digital offerings can help simplify your life!

With total share accounts reaching 742,487, we showcase a strong and growing member base that trusts us with their finances. This growth reinforces our commitment to provide exceptional service tailored to your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Valley Strong is your trusted partner. Visit us at 5001 Panama Ln Bakersfield Ca 93313 or call 661-833-7900 to learn more about how we can help you achieve your financial goals.

Members' savings are secured through $180,655,050 in share certificates and $1,093,773,446 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $138,204,734, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Our operations reflect efficiency with a net income of $0, which allows us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 531 full-time employees and 54 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

With $199,739,663 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 $24,967 in used auto loans and a total of $2,933,579,673 in loans and leases across various sectors.

With a net worth of $368,656,109, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 932 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $250,484,035 in used vehicle loans and $30,729,181 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new vehicle or a reliable pre-owned option, we've got you covered.

For business owners, our outstanding commercial loans totaling $202,521,933 provide the capital needed to grow and expand. We know how crucial it is for businesses to have access to funds when they need them most.

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $680,101,955, make buying or refinancing simple. We provide various mortgage solutions that can cater to different financial situations, ensuring you find the right fit for your needs.

If you're considering refinancing any of your current loans, talk to us about eligibility options that could save you money and simplify your payments. We're here to guide you through the process and help you find the best solution for your financial situation. At Valley Strong, we are dedicated to providing personalized service and support throughout your borrowing journey. For more details or to apply for a loan, feel free to reach out at (661) 833-7900, or visit us at our branch located at 5001 Panama Ln Bakersfield Ca 93313 in Bakersfield, CA. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Managing day-to-day expenses can be challenging. We also offer flexible terms on unsecured credit card loans, with a total of $55,790,096 in loans helping members manage their finances effectively. Our credit cards come with rewards and are designed to give you peace of mind while making purchases.

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