2. Valley Credit Union (AL)

Valley Credit Union (AL)

Popular Accounts at this Credit Union

APYACCOUNT TYPEHOW THEY COMPARE
3.15%5-year CD
3.10% - Goldman Sachs Bank USA High-yield 5 Year CDAdvertisement
2.05%1-year CD
2.65% - Barclays 12 Month Online CDAdvertisement
0.46%Savings
2.00% - Ally Bank Online Savings AccountAdvertisement
View all Valley Credit Union (AL) rates »

Overview / Commentary
www.valleycreditunion.net
256-381-4800
200 E 6TH ST
TUSCUMBIA, AL 35674

Valley Credit Union (AL) is headquartered in TUSCUMBIA and is the 35th largest credit union in the state of Alabama. It is also the 1,965th largest credit union in the nation. It was established in 1956 and as of September of 2018, it had grown to 24 employees and 6,704 members at 5 locations. Valley Credit Union (AL)'s CD rates are 2X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live, attend school or work in Franklin, Colbert, Lauderdale or Lawrence Counties in Alabama.
See current membership details

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Health
B+

Data as of Q3 2018

Learn why bank health matters
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 Credit Union (AL) has a relatively low asset base.

Health Grade Components

Overall
NCUA #60930
Year Chartered1956
Employees24
Primary Regulator
Profit Margin
Return on Assets - YTD0.44%
Return on Equity - YTD2.63%
Annual Interest Income$1.8MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$70.4MM$70.3MM
LoansQ3 2018vs Q3 2017$27.8MM$29.2MM
DepositsQ3 2018vs Q3 2017$58.2MM$58.3MM
Equity CapitalQ3 2018vs Q3 2017$12.0MM$11.9MM
Loan Loss AllowanceQ3 2018vs Q3 2017$258.00K$285.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$112.00K$283.00K
Real Estate OwnedQ3 2018vs Q3 2017$661.00K$776.00K
Rates
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Valley Credit Union (AL) Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.46%$2.5k-Daily Interest Account
0.25%--IRA Club Account

Valley Credit Union (AL) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%$2.5k-Preferred Checking

Valley Credit Union (AL) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.15%$500-60 Month CD
3.05%$500-48 Month CD
3.02%$500-36 Month CD
2.45%$500-24 Month CD
2.45%$500-30 Month CD
2.05%$500-6 Month CD
2.05%$500-12 Month CD
2.05%$500-18 Month CD
0.55%$500-3 Month CD

Valley Credit Union (AL) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.15%$500-60 Month IRA
3.05%$500-48 Month IRA
3.02%$500-36 Month IRA
2.45%$500-24 Month IRA
2.45%$500-30 Month IRA
2.05%$500-6 Month IRA
2.05%$500-12 Month IRA
2.05%$500-18 Month IRA
0.55%$500-3 Month IRA
Locations


Valley Credit Union (AL) Locations
Branch Office2500 AVALON AVEMUSCLE SHOALS, AL 35661
Branch Office111 LAUDERDALE ST NERUSSELLVILLE, AL 35653
Branch Office200 E 6TH STTUSCUMBIA, AL 35674
Branch Office180 MAIN STCHEROKEE, AL 35616
Branch Office323 N NASHVILLE AVESHEFFIELD, AL 35660

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