Valley Credit Union Sheffield AL | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Valley Credit Union, where your financial well-being is our top priority. Located at 323 N Nashville Ave, Sheffield, AL 35660, we have been serving our community since 1956. With a strong membership base of 5,857 and assets totaling over $103 million, we take pride in being a trusted partner for all your banking needs. At Valley Credit Union, we understand that life can present both opportunities and challenges. That's why we offer a range of services tailored to fit your lifestyle whether you're looking for personal banking options like checking and savings accounts, or financing solutions such as auto loans and mortgages. Our total deposits stand at an impressive $7,541,223, reflecting the trust our members place in us. Under the leadership of our dedicated CEO, Dawn Truitt, and Board President, Tony Riley, our team of 31 employees is committed to providing exceptional service with a personal touch. We maintain a solid net worth of $14,815,120, ensuring that we are financially stable and ready to support you with loans totaling 3,177. While members can visit us at our Sheffield branch for all their banking needs, official correspondence should be directed to our mailing address: P.O. BOX 388, Tuscumbia, AL 35674. We invite you to experience the difference that comes with being part of a credit union that truly cares about its members. Whether you're interested in applying for a loan or simply want to learn more about our services, feel free to give us a call at 256-381-6252 or explore more on our website here. Your financial journey starts with us!

Branch History & Mission

At Valley Credit Union, located at 323 N Nashville Ave in Sheffield, AL, we take pride in our rich history and commitment to our community. Established in 1956, our branch has grown alongside the people we serve. Over the years, we have transformed from a small local credit union into a trusted financial partner for over 5,800 members, helping them achieve their financial goals. Our mission is simple yet profound: to empower our members with quality financial services while fostering a sense of community and support. We believe that everyone deserves access to fair and affordable financial products. Whether it's personal banking, auto loans, or business financing, we are dedicated to providing services that meet the needs of our diverse membership base. While members can visit us at our Sheffield location, official correspondence should be sent to P.O. BOX 388, Tuscumbia, AL 35674. Our office is easily accessible and situated near local landmarks that make it convenient for all residents in the area. Valley Credit Union stands out not only because of our strong financial standing with total assets of over $103 million but also due to our ongoing commitment to innovation. We offer modern conveniences such as online and mobile banking, ensuring that our members can manage their finances anytime and anywhere. Our ATM availability and drive-thru service further enhance accessibility for those on the go. We actively engage with our community through partnerships and outreach programs. By supporting local initiatives and events, we strive to give back to Sheffield and its surrounding areas. Our initiatives reflect our belief in building stronger communities together. As we continue to grow and adapt to the ever-changing financial landscape, we remain focused on serving you our valued member. Join Valley Credit Union today and experience the benefits of belonging to a financial institution that truly cares about your well-being. Together, let's build a brighter future!

Branch Location & Accessibility

Welcome to Valley Credit Union, your friendly neighborhood financial partner located at 323 N Nashville Ave in Sheffield, AL. We understand that convenience is key when it comes to banking, and our branch is ideally situated near popular local spots, making it easy for you to stop by while running errands or enjoying a day out in town. While members can visit us at 323 N Nashville Ave, official correspondence should be sent to P.O. BOX 388, Tuscumbia, AL 35674. Our location is easily accessible and features ample parking for all visitors. Plus, we ensure that everyone can reach us with ease; our branch complies with ADA standards and offers ramps for wheelchair accessibility. At Valley Credit Union, we're committed to serving you during convenient hours. You can visit us Monday through Thursday from 8:45 AM to 4:30 PM and on Fridays until 5:00 PM. Whether you need assistance with personal banking services like checking and savings accounts or are looking to finance a new vehicle, our dedicated team is here to help. For those who prefer drive-thru banking, we offer a hassle-free experience where you can handle deposits and withdrawals without leaving your car. Additionally, we have an ATM available for quick cash access whenever you need it. We invite you to come in or give us a call at 256-381-6252 for any questions or assistance. At Valley Credit Union, we're not just about transactions; we're about building lasting relationships with our members. Visit us today!

Member Eligibility

At Valley, we believe that becoming a member means joining a welcoming community that truly cares about your financial well-being. If you're interested in joining us, you'll be glad to know that membership is open to individuals who live, work, or worship in certain areas of Sheffield and surrounding communities. Our goal is to make banking accessible for everyone, so if you meet these simple criteria, we invite you to take the next step towards membership. Opening an account with us is straightforward and designed to fit your needs. You can start the process by visiting us at our branch located at 323 N Nashville Ave Sheffield Al 35660 or by giving us a call at (256) 381-6252 for more information. For those looking for detailed eligibility requirements, please check out our website at . We're here to support you every step of the way and ensure that your banking experience is as smooth as possible!

Business Banking & Commercial Services

Business Loan Options

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. Additionally, 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.

Merchant Services

In today's fast-paced market, efficient payment processing is crucial for any business. Our merchant services offer simple solutions that make transactions easy for you and your customers. Imagine a busy Saturday at your café customers are lining up to pay, and with our streamlined systems, you can process their payments quickly, keeping everyone happy and satisfied. Located at 323 N Nashville Ave Sheffield Al 35660, Sheffield, AL 35660, we invite you to explore how Valley can be your partner in achieving your business goals. Call us at (256) 381-6252 or visit us online at https://www.valleycu.org/ to learn more!

Comprehensive List Of Services

Business Banking Services

We haven't forgotten about local businesses! Our business banking services include essential tools like merchant services and business loans that empower entrepreneurs to thrive. We aim to be your partner in growth, offering resources that help manage finances effectively.

Digital Convenience

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking platforms. With these features, managing your accounts has never been easier. From checking balances to transferring funds or even making person-to-person payments, everything is just a few taps away on your smartphone or computer. Additionally, our ATM & cash withdrawal services ensure that you have easy access to your funds whenever you need them. If you prefer face-to-face interaction for simple transactions like deposits or withdrawals, take advantage of our basic drive-thru banking service.

Personal Banking Solutions

Our personal banking services offer everything you need for everyday financial management. You can choose from various checking and savings accounts tailored to fit your lifestyle. If you're considering purchasing a car, our auto loans and vehicle financing options are flexible and competitive, making it easier than ever to hit the road in style. We also provide mortgage loans and refinancing solutions that cater to first-time homebuyers and seasoned homeowners alike. For those unexpected expenses or projects that need funding, our personal loans and debt consolidation services can help simplify your financial obligations. Plus, with our credit cards featuring rewards, you can earn points on your everyday purchases while enjoying the convenience of cashless transactions.

Your Financial Partner

At Valley Credit Union, we prioritize accessibility and member satisfaction. Our branch hours are convenient open Monday through Thursday from 8:45 AM to 4:30 PM and Friday from 8:45 AM to 5:00 PM so you can get the assistance you need when it fits into your schedule. To learn more about how we can assist you in achieving your financial goals or if you have any questions about our services, please don't hesitate to call us at 256-381-6252 or visit us online at Valley Credit Union. We're excited to support you on your financial journey!

Digital & Online Banking

Key Features

One of the standout features is our mobile application. You can download it to enjoy all the benefits of online banking right at your fingertips. The app supports mobile payments, allowing you to make purchases with just a few taps on your phone. Plus, with person-to-person transfers, sending money to friends or family has never been easier. For those who prefer going paperless, we offer e-statements that provide a secure and environmentally friendly way to keep track of your transactions. These statements are readily accessible through our online platform, ensuring you always have up-to-date information about your accounts. Additionally, while we currently do not support electronic signature authorization for transactions, we prioritize the security of your information through other means. Your safety is our top concern as we strive to protect your personal data at every turn. At Valley, we understand that accessibility is crucial. That's why our digital banking services are designed to be intuitive and straightforward. Whether you're tech-savvy or just starting with online banking, you'll find everything you need right within reach. Experience the ease and efficiency of managing your finances with Valley's digital and online banking services today!

Financial Strength

Continuous Growth and Support

With $13,681,637 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity is also impressive: with $7,500 in used auto loans and a total of $35,024,424 in loans and leases, we're here to support your financial goals across various sectors. Our operational efficiency is reflected in our net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 22 full-time employees and 9 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

Member-Centric Savings Opportunities

Your 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.

Solid Financial Health

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.

Trust Built Over Time

Total Share Accounts stand at 11,344, showcasing a strong and growing member base that trusts us with their finances. This growth reflects not just numbers but the relationships we've built over time with each member. 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 323 N Nashville Ave Sheffield Al 35660 or call us at 256-381-6252 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 $10,400,008 in used vehicle loans and $2,589,327 in new vehicle loans already helping members get on the road. Whether you're purchasing a brand-new vehicle or a reliable used one, our flexible financing options can help make your dream a reality.

Contact Us

Ready to explore your loan options? Give us a call at (256) 381-6252, or visit us at our branch located at 323 N Nashville Ave Sheffield Al 35660 in Sheffield, AL. We're here to help you navigate your financial journey with confidence. 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's work together to find the right loan for you!

Credit Lines and Personal Loans

For those looking for extra flexibility, we also provide credit lines totaling $2,000,000. These lines can be a great solution for unexpected expenses or ongoing projects. Additionally, our unsecured credit card loans, amounting to $1,008,439, are designed to help you manage your finances effectively without collateral.

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 work with you every step of the way to ensure you understand your options and find a plan that suits your budget.

Refinancing Options

If you're considering refinancing any of these loans, we have options available that could save you money. Our team is ready to discuss eligibility criteria and how we can assist in making the process as smooth as possible.

Loan Aggregator

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. This helps users feel confident about the options they see. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. Every user sees the same loan options based solely on their needs. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions quickly. You can trust that the information you're viewing reflects current market conditions. 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!" Such testimonials highlight the genuine impact LendMesh has had on its users' financial journeys. 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.*

How LendMesh Ensures 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 using verified data, LendMesh eliminates the guesswork often associated with finding competitive loan rates.

Valley