Valley Credit Union (MT)

Overview / Commentary

www.valleyfcu.com

406-656-9100

1541 Custer Ave
Billings, MT 59102

Valley Credit Union (MT) is headquartered in Billings and is the 3^rd largest credit union in the state of Montana. It is also the 796^th largest credit union in the nation. It was established in 1949 and as of March of 2022, it had grown to 94 employees and 34,667 members at 10 locations. Valley Credit Union (MT) has an A+ health rating.

Field of Membership Restrictions

Valley Credit Union is open to anyone who lives, works, worships, or attends school or in the Montana counties of Big Horn, Carbon, Gallatin, Golden Valley, Musselshell, Park, Stillwater, Sweet Grass, Treasure, or Yellowstone, or Park County, Wyoming. Business and other legal entities, retirees and their immediate family of the above are also eligible.
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Health

A+

Data as of Q1 2022

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Health Grade Components

Overall
NCUA #	68689
Year Chartered	1949
Employees	94
Primary Regulator

Profit Margin
Return on Assets - YTD	0.69%
Return on Equity - YTD	6.38%
Annual Interest Income	$3.1MM

Assets and Liabilities
Assets	Q1 2022vs Q1 2021	$420.1MM$373.2MM
Loans	Q1 2022vs Q1 2021	$253.8MM$219.8MM
Deposits	Q1 2022vs Q1 2021	$372.2MM$330.0MM
Equity Capital	Q1 2022vs Q1 2021	$44.7MM$40.8MM
Loan Loss Allowance	Q1 2022vs Q1 2021	$2.4MM$2.5MM
Unbacked Noncurrent Loans	Q1 2022vs Q1 2021	$784.00K$1.1MM
Real Estate Owned	Q1 2022vs Q1 2021	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Valley Credit Union (MT) Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.75%	$25	-	Christmas Club
0.50%^*	-	$20k	Rewards Savings
OTHER TIERS: 0.20% → $20k+
0.25%	-	-	IRA Variable Rate Share
0.15%	$25	-	Business Savings
0.05%	$25	-	Regular Savings
0.05%	$25	-	Stash Savings

Valley Credit Union (MT) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.20%^*	$100k^*	-	Money Market Savings
OTHER TIERS: 0.05% → $1k - $25k \| 0.07% → $25k - $50k \| 0.10% → $50k - $75k \| 0.15% → $75k - $100k

Valley Credit Union (MT) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
2.00%^*	-	$10k	Rewards Checking
OTHER TIERS: 0.05% → $10k+
1.00%	-	$1k	Student Checking (with E-Statements)
0.50%^*	$25k^*	-	Business Interest Checking
OTHER TIERS: 0.10% → Up to $5k \| 0.25% → $5k - $25k
0.50%^*	$2.5k^*	$10k	Premier High Rate Checking (with Direct Deposit)
OTHER TIERS: 0.20% → $10k+
0.20%^*	$2.5k^*	$10k	Premier High Rate Checking (no Direct Deposit)
OTHER TIERS: 0.10% → $10k+

Valley Credit Union (MT) CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.55%	$500	-	60 Month Share Certificate
0.50%	$500	-	48 Month Share Certificate
0.45%	$500	-	36 Month Share Certificate
0.40%	$500	-	30 Month Share Certificate
0.35%	$500	-	24 Month Share Certificate
0.30%	$500	-	18 Month Share Certificate
0.30%	$500	-	21 Month Share Certificate
0.30%	$500	-	24 Month Step-Up Share Certificate
0.25%	$500	-	12 Month Share Certificate
0.25%	$500	-	15 Month Share Certificate
0.25%	$100	-	12 Month Youth Share Certificate
0.20%	$1k	-	9 Month Share Certificate
0.15%	$1k	-	6 Month Share Certificate

Valley Credit Union (MT) IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.55%	$500	-	60 Month IRA Certificate
0.50%	$500	-	48 Month IRA Certificate
0.45%	$500	-	36 Month IRA Certificate
0.40%	$500	-	30 Month IRA Certificate
0.35%	$500	-	24 Month IRA Certificate
0.30%	$500	-	18 Month IRA Certificate
0.30%	$500	-	21 Month IRA Certificate
0.30%	$500	-	24 Month Step-Up IRA Certificate
0.25%	$500	-	12 Month IRA Certificate
0.25%	$500	-	15 Month IRA Certificate
0.20%	$1k	-	9 Month IRA Certificate
0.15%	$1k	-	6 Month IRA Certificate

Locations

Cities: Billings, Bozeman, Cody, Columbus, Roundup

Billings Branches
Branch Office	2955 Grand Ave	Billings, MT 59102
Branch Office	1541 Custer Ave	Billings, MT 59102
Branch Office	3025 King Ave W	Billings, MT 59102
Branch Office	1445 Main St	Billings, MT 59105
Branch Office	207 N 28th St Suite 105	Billings, MT 59101
Corporate Office	207 N 28th St	Billings, MT 59101

Bozeman Branches
Branch Office	1707 Oak St Ste A	Bozeman, MT 59715-2125

Cody Branches
Branch Office	1902 Cougar Ave	Cody, WY 82414

Columbus Branches
Branch Office	400 W Pike Ave	Columbus, MT 59019-7190

Roundup Branches
Branch Office	216 8th Ave E	Roundup, MT 59072-2347

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