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Advertiser Disclosure
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 Valley Communities Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 14, 2026
Valley Communities Credit Union's 60 Month Minor CD rates are at 3.04%, 60 Month CD rates are at 3.04%, 60 Month CDs rates are at 3.03%, 48 Month Minor CD rates are at 2.99%, 48 Month CD rates are at 2.99%. Valley Communities Credit Union's 1st Mortgage: 10 Year Fixed rates are at 5.18%, 1st Mortgage: 15 Year Fixed rates are at 5.37%, 1st Mortgage: 5 Year Balloon rates are at 5.45%, 1st Mortgage: 7 Year Balloon rates are at 5.55%, 1st Mortgage: 10 Year Balloon rates are at 5.65%. Valley Communities Credit Union's Personal Loan Rates are as low as 9.74%. MonitorBankRates evaluates the financial stability of Valley Communities Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.48%. Rates last updated and verified on 09/14/2026. Valley Communities Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Valley Communities Credit Union? Share your experience about Valley Communities Credit Union by leaving a review below, or read customer reviews before you decide to use Valley Communities Credit Union. Valley Communities Credit Union
Corporate Office 888 State Highway 153
https://valleycommunities.org Mosinee, WI 54455-9684 
Valley Communities Credit Union CD Rates
Valley Communities Credit Union Savings Rates
Valley Communities Credit Union Mortgage Rates
Valley Communities Credit Union Auto Loan Rates
Valley Communities Credit Union Personal Loan Rates
Valley Communities Credit Union Other Rates
Financial Health HistoryValley Communities Credit Union’s Texas Ratio stayed near 1.03% in Q2 2023 to 1.48% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Valley Communities Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Valley Communities Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Valley Communities Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Valley Communities Credit Union
Website
https://valleycommunities.org
Address
888 State Highway 153,
Mosinee, WI 54455-9684
Phone
715-693-3400
Fax
President
Elizabeth Jakusz
CEO
Kelly Hladovcak
Full-Time Employees
66
Part-Time Employees
9
Branch Locations
7
ATM Locations
5
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.48%
Return on Assets (ROA)
0.2562%
Return on Equity (ROE)
1.9905%
Non-Performing Loans Ratio (NPL)
0.38%
Total Assets
304,603,013
Total Amount of Shares and Deposits
262,896,505
Total Shares and Deposits < 1 Year
256,039,678
Total Shares and Deposits 1 3 Years
4,480,795
Total Shares and Deposits > 3 Years
2,376,032
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
15,981,572
Total Uninsured Shares and Deposits > $250K (F+J)
15,981,572
Total Insured Shares and Deposits > $250K (item 17 less item K)
246,914,933
Total Interest Expense (Sum of items 6 8)
812,681
Share Certificates
663
Number of Accounts for Share Drafts
9,726
IRA KEOGH Accounts
506
Number of Accounts for Regular Shares
19,481
All other shares
185
Money Market Shares
1,121
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
42,088,054
Total Liabilities
265,402,681
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Valley Communities Credit Union yet. Feel free to create one below.
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Add Your Rating and Review for Valley Communities Credit Union
Frequently Asked Questions About Valley Communities Credit UnionHow many branches does Valley Communities Credit Union operate?Valley Communities Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Valley Communities Credit Union?Yes, to access services at Valley Communities Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Valley Communities Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Valley Communities Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Valley Communities Credit Union offer online and mobile banking?Most modern institutions like Valley Communities Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://valleycommunities.org. Current Valley Communities Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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