Overview / Commentary
815 Schoonmaker Ave
Monessen, PA 15062

Valley 1st Community Federal Credit Union is headquartered in MONESSEN and is the 75th largest credit union in the state of Pennsylvania. It is also the 1,794th largest credit union in the nation. It was established in 1935 and as of September of 2018, it had grown to 16 employees and 10,192 members at 2 locations. Valley 1st Community Federal Credit Union's money market rates are 3X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work or worship in the communities of Rostraver Township, Donora, Monessen, Sewickley Township, East Huntingdon Township, South Huntingdon Township, Sutersville, Smithton, Madison, West Newton, Mt. Pleasant or Scottdale and their families.
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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Valley 1st Community Federal Credit Union has a relatively low asset base.

Health Grade Components

NCUA #649
Year Chartered1935
Primary Regulator
Profit Margin
Return on Assets - YTD0.48%
Return on Equity - YTD2.01%
Annual Interest Income$1.8MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$82.9MM$83.0MM
LoansQ3 2018vs Q3 2017$27.3MM$29.2MM
DepositsQ3 2018vs Q3 2017$62.3MM$62.8MM
Equity CapitalQ3 2018vs Q3 2017$19.8MM$19.4MM
Loan Loss AllowanceQ3 2018vs Q3 2017$366.00K$420.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$1.1MM$1.6MM
Real Estate OwnedQ3 2018vs Q3 2017$64.00K$105.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Valley 1st Community Federal Credit Union Savings Account Rates

0.65%--IRA Regular Savings
0.15%$5-Regular Savings
0.15%$5-Christmas Club
0.15%--Escrow Savings

Valley 1st Community Federal Credit Union Money Market Rates

1.15%*$100k*-Money Market Account
OTHER TIERS: 0.75% $5k - $25k | 0.90% $25k - $100k

Valley 1st Community Federal Credit Union Checking Account Rates

0.10%$100-Share Drafts

Valley 1st Community Federal Credit Union CD Rates

2.75%$1k-5 Year Share Certificate
2.40%$1k-3 Year Share Certificate
2.25%$1k-2 Year Share Certificate
1.75%$1k-1 Year Share Certificate
1.50%$1k-6 Month Share Certificate

Valley 1st Community Federal Credit Union IRA Rates

2.75%$500-5 Year IRA Share Certificate
2.40%$500-3 Year IRA Share Certificate
2.25%$500-2 Year IRA Share Certificate
1.75%$500-1 Year IRA Share Certificate

Valley 1st Community Federal Credit Union Locations
Branch Office100 SARA WAYRostraver Township, PA 15012-1963
Branch Office815 SCHOONMAKER AVEMONESSEN, PA 15062-1008

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