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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 4th largest credit union in the state of Montana. It is also the 791st largest credit union in the nation. It was established in 1949 and as of December of 2022, it had grown to 100 employees and 36,069 members at 11 locations. Valley Credit Union (MT)'s money market rates are 3X the national average, and it 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 Q4 2022

Learn why bank health matters

Health Grade Components

Overall
NCUA #68689
Year Chartered1949
Employees100
Primary Regulator
Profit Margin
Return on Assets - YTD0.99%
Return on Equity - YTD8.74%
Annual Interest Income$14.2MM
Assets and Liabilities
AssetsQ4 2022vs Q4 2021$425.0MM$409.4MM
LoansQ4 2022vs Q4 2021$305.1MM$227.4MM
DepositsQ4 2022vs Q4 2021$369.1MM$363.1MM
Equity CapitalQ4 2022vs Q4 2021$48.1MM$43.9MM
Loan Loss AllowanceQ4 2022vs Q4 2021$2.7MM$2.3MM
Unbacked Noncurrent LoansQ4 2022vs Q4 2021$1.2MM$882.00K
Real Estate OwnedQ4 2022vs Q4 2021$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%*-$20kRewards Savings
OTHER TIERS: 0.25% → $20k+
0.75%$25-Christmas Club
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.51%*$100k*-Money Market Savings
OTHER TIERS: 0.30% → $1k - $10k | 0.45% → $10k - $25k | 0.60% → $25k - $50k | 1.00% → $50k - $75k | 1.36% → $75k - $100k
1.51%*$100k*-Business Money Market Savings
OTHER TIERS: 0.30% → $1k - $10k | 0.45% → $10k - $25k | 0.60% → $25k - $50k | 1.00% → $50k - $75k | 1.36% → $75k - $100k

Valley Credit Union (MT) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.25%*-$10kRewards Checking
OTHER TIERS: 0.05% → $10k+
1.00%-$1kStudent 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*$10kPremier High Rate Checking (with Direct Deposit)
OTHER TIERS: 0.20% → $10k+
0.20%*$2.5k*$10kPremier High Rate Checking (no Direct Deposit)
OTHER TIERS: 0.10% → $10k+

Valley Credit Union (MT) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.38%$500-60 Month Share Certificate
2.32%$500-48 Month Share Certificate
2.27%$500-36 Month Share Certificate
2.17%$500-30 Month Share Certificate
2.12%$500-24 Month Share Certificate
2.07%$500-18 Month Share Certificate
2.07%$500-21 Month Share Certificate
2.07%$500-24 Month Step-Up Share Certificate
2.02%$500-12 Month Share Certificate
2.02%$500-15 Month Share Certificate
2.02%$100-12 Month Youth Share Certificate
1.76%$1k-6 Month Share Certificate
1.76%$1k-9 Month Share Certificate

Valley Credit Union (MT) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.38%$500-60 Month IRA Certificate
2.32%$500-48 Month IRA Certificate
2.27%$500-36 Month IRA Certificate
2.17%$500-30 Month IRA Certificate
2.12%$500-24 Month IRA Certificate
2.07%$500-18 Month IRA Certificate
2.07%$500-21 Month IRA Certificate
2.07%$500-24 Month Step-Up IRA Certificate
2.02%$500-12 Month IRA Certificate
2.02%$500-15 Month IRA Certificate
1.76%$1k-6 Month IRA Certificate
1.76%$1k-9 Month IRA Certificate
Locations

Availability



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