Valley Credit Union Muscle Shoals AL | Best Auto Loans & Personal Banking

Introduction

Welcome to Valley Credit Union, your trusted financial partner located at 2500 Avalon Ave, Muscle Shoals, AL 35661. Since our establishment in 1956, we've been dedicated to providing exceptional banking services tailored to meet the needs of our community. With a strong membership base of 5,857 members and total assets reaching an impressive $103,092,984, we pride ourselves on being a reliable resource for both personal and business banking needs. At Valley Credit Union, we understand that financial success is built on trust and strong relationships. That's why we are committed to offering competitive rates on loans and deposits, currently holding over $7,541,223 in deposits. Our commitment extends beyond numbers; it's about creating lasting connections with our members. Under the leadership of CEO Dawn Truitt and Board President Tony Riley, our team of 31 employees works tirelessly to ensure you receive personalized service every time you visit. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to our mailing address at P.O. BOX 388, TUSCUMBIA, AL 35674. We encourage you to explore the wide range of services we offer, including checking and savings accounts, auto loans, mortgages, personal loans, and credit cards with rewards. Our focus remains steadfast: helping you achieve your financial goals while actively contributing to the community we serve. Whether you're looking for a new loan or need advice on managing your finances, we're here for you. Feel free to reach out by calling us at 256-381-3335 or visiting our website at Valley Credit Union. We look forward to welcoming you into our family!

Branch History & Mission

At Valley Credit Union, we celebrate a rich history that began in 1956. Since opening our doors in Muscle Shoals, Alabama, we have grown alongside our community, evolving from a small financial institution into a trusted partner for over 5,800 members. Our journey has been marked by a commitment to providing accessible and meaningful financial services that empower individuals and families. Located at 2500 Avalon Ave, Muscle Shoals, AL 35661, we are proud to serve not just as a bank but as a community hub. Our branch's convenient location makes it easy for members to visit us for their banking needs. While you can reach us at this address, please note that official correspondence should be sent to our mailing address: P.O. BOX 388, TUSCUMBIA, AL 35674. Our mission is simple yet profound: to enhance the financial well-being of our members while fostering a spirit of community support. We strive to offer an array of services tailored to meet the diverse needs of our membership from personal and auto loans to business banking solutions. With total assets amounting to over $103 million, we are equipped to help you achieve your financial goals. Valley Credit Union emphasizes community connection through various outreach programs and partnerships with local organizations. We believe that when our community thrives, we all benefit. Our team works diligently to make banking not just about transactions but about building relationships that matter. In addition to traditional services like checking and savings accounts, we have embraced modern conveniences such as online banking and mobile payments. Our commitment extends beyond mere accessibility; we ensure that our facilities comply with ADA standards so everyone can enjoy inclusive banking experiences. For those on the go, we offer ATM access and drive-thru banking options for easy transactions. As we look towards the future, we remain dedicated to innovation while honoring our roots. Whether you're looking for advice on personal finance or exploring options for your business, Valley Credit Union is here for you every step of the way. Join us today and discover how becoming a member can open doors to new opportunities! Together, let's build a brighter financial future for ourselves and our community. For any inquiries or assistance, feel free to contact us at (256) 381-3335 during our operating hours: Monday through Thursday from 8:45 AM to 4:30 PM and Friday from 8:45 AM to 5:00 PM.

Branch Location & Accessibility

Convenient Hours

We understand that life can be busy! That's why we offer flexible operating hours from Monday to Thursday, 8:45 AM to 4:30 PM, and on Fridays from 8:45 AM to 5:00 PM. We aim to fit your schedule while providing all the banking services you need.

Easy Access and Parking

At Valley Credit Union, we prioritize accessibility for all our members. Our branch features ADA-compliant entrances and ramps for easy access. Plus, ample parking is available right outside our doors, so you won't have to worry about finding a spot.

Get in Touch

If you have any questions or would like more information about what we offer, don't hesitate to give us a call at 256-381-3335. Our friendly staff is ready to help you with all your banking needs! We look forward to welcoming you at Valley Credit Union soon!

Services Offered

As a member of Valley Credit Union, you have access to a variety of services designed with your needs in mind. From personal checking and savings accounts to auto loans and credit cards with rewards, we have something for everyone. Need cash? Utilize our ATM available on-site or take advantage of our drive-thru banking for quick transactions without leaving your car.

Member Eligibility

At Valley, we believe in creating a welcoming community where everyone can thrive. Becoming a member is simple and accessible to many! If you live, work, or worship in the area around 2500 Avalon Ave Muscle Shoals Al 35661, you're likely eligible to join us. We also welcome family members of existing members, making it easy for your loved ones to enjoy the benefits we offer. By joining Valley, you'll gain access to personalized financial services designed to support your goals whether it's saving for a dream vacation, purchasing a new vehicle, or planning for retirement. To learn more about the specific eligibility requirements, feel free to check out our detailed guidelines at . Ready to take the next step? Opening an account with us is quick and straightforward! Just give us a call at (256) 381-3335, and our friendly team will guide you through the process. We look forward to having you as part of our family!

Business Banking & Commercial Services

Business Loans for Growth

Every business needs capital to grow, whether it's for expanding operations or investing in new technology. Our commercial loan options are designed to support your journey. Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 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 $0, we continue to drive economic growth by financing new and expanding businesses.

Practical Merchant Services

In addition to loans, our merchant services help streamline your payment processes. Imagine the ease of accepting payments from customers without any hassle this allows you to focus more on what matters: growing your business. Whether you're a local retail shop or an online service provider, our solutions adapt to your needs. Located at 2500 Avalon Ave Muscle Shoals Al 35661 in Muscle Shoals, AL, we're here to partner with you every step of the way. Reach out to us at (256) 381-3335 for more information on how we can assist your business!

Comprehensive List Of Services

Business Banking Solutions

If you're a business owner, we offer tailored business banking solutions including merchant services and business loans. Our goal is to support your growth by providing the financial tools necessary to succeed.

Convenient Access

We know that convenience is key in today's fast-paced world. That's why we offer ATM services and cash withdrawal options at multiple locations so you can access your money when you need it most. Plus, our basic drive-thru banking makes simple transactions like deposits and withdrawals quick and easy. At Valley, we believe banking should be straightforward and accessible. Our team is always ready to answer questions or help with any issues you may encounter along the way. Ready to take control of your financial future? Reach out to us today at (256) 381-3335 or visit us at 2500 Avalon Ave Muscle Shoals Al 35661 in Muscle Shoals, AL. Explore all the ways Valley Credit Union can serve you your journey towards better banking starts here!

Credit Cards with Rewards

Our credit cards not only help manage your spending but also reward you for it! Enjoy benefits that fit your lifestyle while earning points for everyday purchases.

Loans for Every Occasion

Need a new car? We provide auto loans and vehicle financing that can help you drive away in style without breaking the bank. If you're thinking about buying a home or refinancing an existing mortgage, our mortgage loans come with competitive rates and personalized service to guide you through the process. For those unexpected expenses, our personal loans and debt consolidation options can provide the relief you need.

Personal Banking

Whether you're just starting out or looking to manage your savings more effectively, our personal banking services have you covered. We offer checking and savings accounts tailored for every lifestyle, ensuring that you can easily access your funds whenever needed. With online and mobile banking options, you can check balances, transfer funds, and pay bills from the comfort of your home or on-the-go.

Digital & Online Banking

Key Features

Our online banking platform allows you to check balances, pay bills, and transfer money with just a few clicks. You can also take advantage of our e-statements, making it simple to stay organized and environmentally friendly. For those on the go, our mobile application offers all the same features right at your fingertips, so you can handle your banking needs while waiting in line or during your commute.

Security and Convenience

Security is our top priority. Our online services are designed with safety features to keep your information secure while providing you with peace of mind. Plus, with electronic signature authorization not currently available, you can rest assured that every transaction is handled securely. If you're looking for an easy way to send money to friends or family, our person-to-person transfer feature makes it simple. Just enter their details and send money instantly without the hassle of cash or checks. At Valley, we believe that banking should fit into your lifestyle. With mobile payments enabled, you can make purchases directly from your smartphone no need to carry cash or cards. Enjoy the flexibility and ease of managing your finances on your terms. Join us today at https://www.valleycu.org/ and experience how our digital banking services can simplify your life!

Financial Strength

Commitment to Growth and Service

With $13,681,637 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 across various sectors with $750 in used auto loans and $35,024,424 in total loans and leases. Our operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We take pride in having 22 full-time employees and 9 part-time employees who are dedicated to providing excellent service every day.

Growing Member Trust

The trust placed in us by our growing member base is evident with a total of 11,344 share accounts. This strong community connection allows us to thrive together. Net Shares (Funds available for lending and investments): $914,169. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Valley is your trusted partner. Visit us at 2500 Avalon Ave Muscle Shoals Al 35661 or call (256) 381-3335 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

Members' savings are secured through $28,538,153 in share certificates and $11,907,109 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.

Strong Financial Position

With a net worth of $14,815,120, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,437 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $10,400,008 in used vehicle loans and $2,589,327 in new vehicle loans already helping members get on the road. We provide options for both new and used vehicles, making it easier for you to get behind the wheel of your choice.

Credit Lines

For those needing extra flexibility, our credit lines are available with a total limit of $2,000,000. This option allows you to access funds as needed without the commitment of a traditional loan. At Valley Credit Union, we believe everyone deserves access to the financial resources they need. If you're considering refinancing or want to know about eligibility options for any of our loan products, don't hesitate to ask our team during your visit or call us at (256) 381-3335. All performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let us help you take the next step towards achieving your financial dreams today!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $99,318, make buying or refinancing simple. We aim to support you through every step of your home buying journey with straightforward processes and knowledgeable guidance.

Unsecured Credit Card Loans

Managing daily expenses can be challenging, which is why we also offer flexible terms on unsecured credit card loans. With a total of $1,008,439 in loans helping members manage their finances effectively, our credit cards come with rewards that can enhance your purchasing power while keeping your budget in check.

Loan Aggregator

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