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Valley Credit Union (AL)


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 1,901st largest credit union in the nation. It was established in 1956 and as of June of 2021, it had grown to 19 employees and 5,657 members at 5 locations. Valley Credit Union (AL) has an A health rating.

Field of Membership Restrictions

Valley Credit Union 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
A

Data as of Q2 2021

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
Employees19
Primary Regulator
Profit Margin
Return on Assets - YTD0.49%
Return on Equity - YTD3.31%
Annual Interest Income$1.1MM
Assets and Liabilities
AssetsQ2 2021vs Q2 2020$91.3MM$84.1MM
LoansQ2 2021vs Q2 2020$27.6MM$25.9MM
DepositsQ2 2021vs Q2 2020$77.5MM$70.4MM
Equity CapitalQ2 2021vs Q2 2020$13.6MM$13.4MM
Loan Loss AllowanceQ2 2021vs Q2 2020$140.00K$179.00K
Unbacked Noncurrent LoansQ2 2021vs Q2 2020$37.00K$162.00K
Real Estate OwnedQ2 2021vs Q2 2020$208.00K$364.00K
Rates
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Valley Credit Union (AL) Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%--IRA Club Account

Valley Credit Union (AL) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%$2.5k-Daily Money Market

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
0.75%$500-60 Month CD
0.60%$500-48 Month CD
0.55%$500-36 Month CD
0.50%$500-30 Month CD
0.40%$500-24 Month CD
0.35%$500-18 Month CD
0.25%$500-12 Month CD
0.20%$500-6 Month CD
0.10%$500-3 Month CD

Valley Credit Union (AL) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%$500-60 Month IRA
0.60%$500-48 Month IRA
0.55%$500-36 Month IRA
0.50%$500-30 Month IRA
0.40%$500-24 Month IRA
0.35%$500-18 Month IRA
0.25%$500-12 Month IRA
0.20%$500-6 Month IRA
0.10%$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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