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 Valley Credit Union Tuscumbia, AL Rates & Review April 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: April 18, 2026
Valley Credit Union Tuscumbia, AL's 6 Month CD rates are at 3.55%. Valley Credit Union Tuscumbia, AL's Personal Loan Rates are at 10.50%. MonitorBankRates evaluates the financial stability of Valley Credit Union Tuscumbia, AL with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.53%. Rates were last updated on 04/18/2026. Valley Credit Union Tuscumbia, AL 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 Credit Union Tuscumbia, AL? Share your experience about Valley Credit Union Tuscumbia, AL by leaving a review below, or read customer reviews before you decide to use Valley Credit Union Tuscumbia, AL. Valley Credit Union Tuscumbia, AL
VALLEY CREDIT UNION 200 E 6TH ST
https://www.valleycreditunion.net TUSCUMBIA, AL 35674 
Valley Credit Union Tuscumbia, AL CD Rates
Valley Credit Union Tuscumbia, AL Checking Rates
Valley Credit Union Tuscumbia, AL Credit Card Rates
Valley Credit Union Tuscumbia, AL Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Valley Credit Union Tuscumbia, AL 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 Credit Union Tuscumbia, AL 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 Credit Union Tuscumbia, AL's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Valley Credit Union Tuscumbia, AL
Address
200 E 6TH ST,
TUSCUMBIA, AL 35674
Phone
256-381-4800
Fax
256-381-4831
President
SANDRA JAMES
CEO
DAWN TRUITT
Full-Time Employees
23
Part-Time Employees
9
Branch Locations
7
ATM Locations
6
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.53%
Return on Assets (ROA)
0.4010%
Return on Equity (ROE)
2.8417%
Non-Performing Loans Ratio (NPL)
0.22%
Total Assets
108,807,718
Total Amount of Shares and Deposits
94,378,159
Total Shares and Deposits < 1 Year
91,046,402
Total Shares and Deposits 1 3 Years
2,317,006
Total Shares and Deposits > 3 Years
1,014,751
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
3,142,244
Total Uninsured Shares and Deposits > $250K (F+J)
3,142,244
Total Insured Shares and Deposits > $250K (item 17 less item K)
91,235,915
Total Interest Expense (Sum of items 6 8)
1,036,505
Share Certificates
712
Number of Accounts for Share Drafts
3,340
IRA KEOGH Accounts
282
Number of Accounts for Regular Shares
6,007
All other shares
822
Money Market Shares
379
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
8,744,894
Total Liabilities
94,848,389
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Valley Credit Union Tuscumbia, ALIs Valley Credit Union Tuscumbia, AL a safe place to deposit money?Yes, Valley Credit Union Tuscumbia, AL is considered a safe financial institution. With a Texas Ratio of 0.52661287528064%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Valley Credit Union Tuscumbia, AL operate?Valley Credit Union Tuscumbia, AL 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 Credit Union Tuscumbia, AL?Yes, to access services at Valley Credit Union Tuscumbia, AL, 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 Credit Union Tuscumbia, AL 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 Credit Union Tuscumbia, AL provides members with tools to manage their accounts and build a solid financial history. Does Valley Credit Union Tuscumbia, AL offer online and mobile banking?Most modern institutions like Valley Credit Union Tuscumbia, AL 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://www.valleycreditunion.net. Compare to Other Credit Unions
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