Valley Credit Union (AL)
LOCATIONS
5
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HEALTH RATING
B+
View health report
CURRENT TOP RATE
1.45% APY
48 Month CD
View all rates
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | ACCOUNT NAME |
|---|---|---|
| 0.70% | 1-year CD | 12 Month CD 1.40% - Synchrony Bank 12 Month CD |
| 0.30% | Savings | Daily Interest Account |
| 1.45% | 4-year CD | 48 Month CD 1.80% - Goldman Sachs Bank USA 4 Year CD |
Overview / Commentary
Valley Credit Union (AL) is headquartered in TUSCUMBIA and is the 37th largest credit union in the state of Alabama. It is also the 1,958th largest credit union in the nation. It was established in 1956 and as of March of 2017, it had grown to 22 employees and 6,651 members at 5 locations. Valley Credit Union (AL) 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
Health
B+
Data as of Q1 2017
Learn why bank health mattersAdditional 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 Chartered | 1956 |
| Employees | 22 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.47% |
| Return on Equity - YTD | 2.85% |
| Annual Interest Income | $568.00K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2017vs Q1 2016 | $71.8MM$69.3MM |
| Loans | Q1 2017vs Q1 2016 | $28.4MM$27.9MM |
| Deposits | Q1 2017vs Q1 2016 | $60.0MM$57.7MM |
| Equity Capital | Q1 2017vs Q1 2016 | $11.7MM$11.5MM |
| Loan Loss Allowance | Q1 2017vs Q1 2016 | $230.00K$196.00K |
| Unbacked Noncurrent Loans | Q1 2017vs Q1 2016 | $240.00K$311.00K |
| Real Estate Owned | Q1 2017vs Q1 2016 | $752.00K$1.1MM |
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Valley Credit Union (AL) Savings Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.30% | - | - | Daily Interest Account | |
| 0.25% | - | - | IRA Club Account |
Valley Credit Union (AL) Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.15% | - | - | Preferred Checking |
Valley Credit Union (AL) CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 1.45% | $500 | - | 48 Month CD | |
| 1.25% | $500 | - | 36 Month CD | |
| 1.06% | $500 | - | 30 Month CD | |
| 1.05% | $500 | - | 24 Month CD | |
| 0.80% | $500 | - | 18 Month CD | |
| 0.70% | $500 | - | 12 Month CD | |
| 0.50% | $500 | - | 6 Month CD | |
| 0.22% | $500 | - | 3 Month CD |
Valley Credit Union (AL) IRA Rates
Locations
| Valley Credit Union (AL) Locations | ||
|---|---|---|
| Branch Office | 2500 AVALON AVE | MUSCLE SHOALS, AL 35661 |
| Branch Office | 111 LAUDERDALE ST NE | RUSSELLVILLE, AL 35653 |
| Branch Office | 200 E 6TH ST | TUSCUMBIA, AL 35674 |
| Branch Office | 180 MAIN ST | CHEROKEE, AL 35616 |
| Branch Office | 323 N NASHVILLE AVE | SHEFFIELD, AL 35660 |