Valley Financial Credit Union CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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Valley Financial Credit Union12-month CD rates can be found at 2.53%, 6-month CD rates at 3.85% and 3-month CD rates at 2.90%. Savings rates are at 0.01% and money market rates are at 0.20%. Mortgage rates on 30-year fixed loans are around 7.14%. Credit Card rates are at 15.04%. Personal Loan rates are at 9.25%. All these rates, and more, can be found in our database of rates which you can compare to Valley Financial Credit Union rates.

Compare Valley Financial Credit Union CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of Valley Financial Credit Union savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates.

Valley Financial Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best CD rates or other rates available. Have you opened an account or have any experiences at Valley Financial Credit Union? Share your experience about Valley Financial Credit Union by leaving a review below, or read customer reviews before you decide to use Valley Financial Credit Union.

Overall, Valley Financial Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
N/A
18-Month CD
N/A
24-Month CD
N/A
36-Month CD
N/A
48-Month CD
N/A
60-Month CD
N/A
Savings
N/A
MMA
N/A
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
Valley Financial Credit Union
Custer Branch
1541 Custer Ave
Billings, MT 59102
Member NCUA
MonitorBankRates' Rating
5/5
★★★★★

Compare Valley Financial Credit Union Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
All America Bank
All America Bank
Mega Money Market Checking
4.25%
$500
Bayer Heritage Federal Credit Union
Bayer Heritage Federal Credit Union
18-Month CD
4.08%
$100
Bread Financial
Bread Financial
36-Month CD
4.00%
$1,500
iGOBanking
iGOBanking
6-Month CD
4.00%
$1,000
PNB Peshtigo National Bank
PNB Peshtigo National Bank
6-Month CD
4.00%
$500
My eBanc, a division of Bradesco Bank
My eBanc, a division of Bradesco Bank
24-Month CD
3.95%
$5,000
FNB of Waterloo
FNB of Waterloo
12-Month CD
3.91%
$1,000
Community Commerce Bank
Community Commerce Bank
24-Month CD
3.76%
$10,000
Peru Federal Savings Bank
Peru Federal Savings Bank
24-Month CD
3.70%
$1,000
NCB North Cambridge Coopertive Bank
NCB North Cambridge Coopertive Bank
12-Month CD
3.60%
$1,000
PSECU
PSECU
24-Month CD
3.55%
$500
Solvay Bank
Solvay Bank
18-Month CD
3.50%
$500
Avidia Bank
Avidia Bank
24-Month CD
3.35%
$500
Academy Bank
Academy Bank
18-Month CD
3.29%
$500
First National Bank of Hutchinson
First National Bank of Hutchinson
24-Month CD
3.28%
$5,000
Generations Bank
Generations Bank
12-Month CD
3.25%
$500
Citizens Savings Bank Bogalusa, LA
Citizens Savings Bank Bogalusa, LA
36-Month CD
3.25%
$2,500
Abilene Teachers Federal Credit Union
Abilene Teachers Federal Credit Union
12-Month CD
3.25%
$500
Sandy Spring Bank
Sandy Spring Bank
60-Month CD
3.16%
$1,000
FNB Of Nokomis
FNB Of Nokomis
Rewards Checking
3.05%
$1
Interstate Bank
Interstate Bank
24-Month CD
3.03%
$500
Citizens State Bank Somerville, TX
Citizens State Bank Somerville, TX
18-Month CD
3.03%
$1,000
First Commerce Bank Lewisburg, TN
First Commerce Bank Lewisburg, TN
48-Month CD
3.00%
$1,000
Abri Credit Union
Abri Credit Union
48-Month CD
2.75%
$500
FSB of Cando
FSB of Cando
60-Month CD
2.60%
$500
Harford Bank
Harford Bank
36-Month CD
2.55%
$1,000
Boonville Federal Savings Bank
Boonville Federal Savings Bank
36-Month CD
2.52%
$500
Main Street Bank
Main Street Bank
36-Month CD
2.50%
$1,000
Fidelity Bank West Memphis, AR
Fidelity Bank West Memphis, AR
3-Month CD
2.25%
$500
Chain Bridge Bank
Chain Bridge Bank
60-Month CD
2.13%
$500
First State B&T Williston, ND
First State B&T Williston, ND
24-Month CD
2.00%
$500
Nuvision Federal Credit Union
Nuvision Federal Credit Union
High Yield Money Market
1.60%
$50,000
One Community Bank
One Community Bank
48-Month CD
1.55%
$500
Penn Community Bank
Penn Community Bank
48-Month CD
1.00%
$500
First Command Bank
First Command Bank
12-Month CD
0.85%
$1,000
Midland Community Bank
Midland Community Bank
6-Month CD
0.60%
$1,000
FNB of Lacon
FNB of Lacon
Money Market
0.55%
$2,500
Chester National Bank
Chester National Bank
18-Month CD
0.50%
$500
Farmers and Merchants Bank Milligan, NE
Farmers and Merchants Bank Milligan, NE
Savings
0.50%
$0
Connecticut Community Bank
Connecticut Community Bank
18-Month CD
0.30%
$500
Lea County State Bank
Lea County State Bank
Savings
0.30%
$100
Global Bank
Global Bank
Savings
0.20%
$1
Kentucky Farmers Bank
Kentucky Farmers Bank
Interest Checking
0.20%
$1,000
Peoples Bank Taylorsville, KY
Money Market
0.20%
$100,000
Northfield Bank
Northfield Bank
Platinum Savings
0.15%
$10
Peoples Bank Chestertown, MD
Peoples Bank Chestertown, MD
3-Month CD
0.08%
$500
Abound Federal Credit Union
Abound Federal Credit Union
Savings
0.05%
$100
Cape Cod Five Cents Savings Bank
Cape Cod Five Cents Savings Bank
High Yield Savings
0.02%
$10,000
Century Bank Santa Fe, NM
Century Bank Santa Fe, NM
High Performance Money Market
0.01%
$5,000
Bank of Dudley
48-Month CD
0.00%
$0
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Compare Valley Financial Credit Union Mortgage Rates with Lenders Rates for Fixed and Adjustable Mortgages

Lender
Product
Rate
APR
Points
Savings Bank of Danbury
Savings Bank of Danbury
5/1 ARM
4.750%
5.507%
0.000
North Carolina Press Association Federal Credit Union
North Carolina Press Association Federal Credit Union
5 Year ARM
5.500%
5.658%
0.000
Pittsford Federal Credit Union
Pittsford Federal Credit Union
10-Year Fixed
5.625%
5.816%
0.000
Navy Federal Credit Union
Navy Federal Credit Union
15-Year Fixed
5.625%
5.820%
0.250
Investment Savings Bank
Investment Savings Bank
3/1 ARM
6.000%
5.892%
0.000
American Eagle Financial Credit Union
American Eagle Financial Credit Union
15-Year Fixed
5.750%
5.923%
0.000
Finger Lakes Federal Credit Union
Finger Lakes Federal Credit Union
10 Year Fixed
5.875%
6.014%
0.000
Altoona First Savings Bank
Altoona First Savings Bank
30-Year Fixed
6.000%
6.031%
0.000
WVS West View SB
WVS West View SB
15-Year Fixed
5.790%
6.075%
0.000
Honda Federal Credit Union
Honda Federal Credit Union
10 Year Fixed
5.875%
6.090%
0.000
Norfolk Community Federal Credit Union
Norfolk Community Federal Credit Union
15 Year Fixed
5.999%
6.101%
0.250
Northfield Savings Bank
Northfield Savings Bank
15-Year Fixed
6.000%
6.102%
0.000
NESC Federal Credit Union
NESC Federal Credit Union
5/5 ARM
6.000%
6.109%
0.000
Kohler Credit Union
Kohler Credit Union
15 Year Fixed
6.000%
6.179%
0.000
OlyFed Olympia Federal S&L
OlyFed Olympia Federal S&L
15-Year Fixed
6.000%
6.260%
1.000
JTNB
JTNB
30-Year Fixed
6.250%
6.319%
0.000
Ridgewood Savings Bank
Ridgewood Savings Bank
10-Year Fixed
6.125%
6.350%
0.000
First Northern Bank and Trust Company
First Northern Bank and Trust Company
15-Year Fixed
6.125%
6.360%
0.000
Northwest Community Bank
Northwest Community Bank
7/1 ARM
5.875%
6.371%
0.000
FirstBank of Nebraska
FirstBank of Nebraska
20-Year Fixed
6.375%
6.376%
0.000
Phoenixville Federal B&T
15-Year Fixed
6.125%
6.398%
0.125
Peoples Trust Co. of St. Albans
Peoples Trust Co. of St. Albans
30-Year Fixed
6.375%
6.398%
0.000
First Northern Credit Union
First Northern Credit Union
15 Year Fixed
6.375%
6.441%
0.000
Proponent Federal Credit Union
Proponent Federal Credit Union
3/1 ARM
5.750%
6.444%
0.000
Phoenixville Federal B&T
20-Year Fixed
6.250%
6.469%
0.125
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The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

Compare Valley Financial Credit Union Credit Cards with Other Competitive Bank and Credit Union Credit Cards

Institution
Product
APR
Notes
Abbott Laboratories Credit Union
Abbott Laboratories Credit Union
Visa Signature Rewards
17.200%
Introductory rate of 0% APR for the first twelve months on balance transfers and cash purchases.
Academic Federal Credit Union
Academic Federal Credit Union
Academic VISA® Platinum
10.900%
Security Service Federal Credit Union
Security Service Federal Credit Union
Security Service Power Cash Back World MasterCard
16.950% - 18.000%
Vystar Credit Union
Vystar Credit Union
Savings Secured Visa®
18.000%
Achieve Financial Credit Union
Achieve Financial Credit Union
Visa Platinum with Rewards
9.900%
BECU Boeing Employees Credit Union
BECU Boeing Employees Credit Union
BECU Visa
13.240% - 25.240%
0.00% Introductory APR for twelve (12) months from date of transfer when transfers are completed within 90 days of account opening.
ABNB Federal Credit Union
ABNB Federal Credit Union
VISA Preferred
12.240% - 18.000%
No annual fees or cash advance fees. Rates may vary depending on credit worthiness.
Teachers Federal Credit Union
Teachers Federal Credit Union
Visa Platinum
16.200%
LMCU Lake Michigan Credit Union
LMCU Lake Michigan Credit Union
Prime Platinum Visa Credit Card
11.500%
Hughes Federal Credit Union
Hughes Federal Credit Union
Visa Platinum Credit Card
9.500% - 12.500%
ACMG Federal Credit Union
ACMG Federal Credit Union
VISA Platinum with Rewards
8.900%
ABCO Federal Credit Union
ABCO Federal Credit Union
VISA® Credit Cards
7.990%
1st Northern California Credit Union
1st Northern California Credit Union
Visa Premier
9.900%
Abilene Teachers Federal Credit Union
Abilene Teachers Federal Credit Union
Visa Gold or Gold MasterCard
9.990%
Credit Line $7,000-$20,000
America First Federal Credit Union
America First Federal Credit Union
SIGNATURE 1% CASH BACK VISA
14.740%
Unlimited 1% Cash Back Signature Card
SchoolsFirst Federal Credit Union
SchoolsFirst Federal Credit Union
Rewards Mastercard
15.000% - 17.900%
Maximum Loan Amount Up to $35,000.00
1st Northern California Credit Union
1st Northern California Credit Union
Visa Shared Secured
7.900%
Access Federal Credit Union
Access Federal Credit Union
Access FCU Visa Gold
9.900%
Suncoast Credit Union
Suncoast Credit Union
Rewards Share Secured
18.000%
Credit Limit - $300 - $5,000
Abbey Credit Union
Abbey Credit Union
VISA® Classic
12.960%
ACFCU
ACFCU
Everyday Rewards+ Card Visa
19.490% - 29.740%
Earn up to 4x unlimited points AND receive a $150 bonus.
Aberdeen Proving Ground FCU
Aberdeen Proving Ground FCU
Visa Platinum Preferred Student
17.990%
360 Federal Credit Union
360 Federal Credit Union
Visa Classic
3.990%
Introductory Rate of 3.99% APR for 12 months on transactions in the first 90 days.
ACFCU
ACFCU
Platinum Card Visa
18.240% - 29.240%
Platinum: 0% introductory APR for the first 18 billing cycles. After that, 18.24% to 29.24% based on your creditworthiness when you open your account.
Academic Federal Credit Union
Academic Federal Credit Union
Academic VISA® Classic
15.400%
Show More

The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed.

Compare Valley Financial Credit Union Personal Loans with Other Competitive Bank and Credit Union Personal Loans

Institution
Product
APR
Loan Amt
Loan Term Months
America First Federal Credit Union
America First Federal Credit Union
Personal Loan
12.990%
$0
12
Acadian Federal Credit Union
Acadian Federal Credit Union
Open-End Unsecured Signature Loan-Line of Credit
10.200%
$0
Access Community Credit Union
Access Community Credit Union
Personal Loans
11.990%
$0
1 - 12
Mountain America Federal Credit Union
Mountain America Federal Credit Union
Personal Loan
13.740%
$0
60
Advantage Credit Union Newtown, IA
Advantage Credit Union Newtown, IA
Personal Loans
13.700%
$2,500 - $5,000
36 - 36
Access Of Louisiana Federal Credit Union
Access Of Louisiana Federal Credit Union
Personal Loan
9.200% - 17.950%
$0 - $100
12 - 24
The Golden 1 Credit Union
The Golden 1 Credit Union
Personal Loan
8.890%
$0
Abilene Teachers Federal Credit Union
Abilene Teachers Federal Credit Union
Personal Signature Loan
10.250% - 17.950%
$0
1 - 36
Alec Federal Credit Union
Alec Federal Credit Union
Refinanced Signature Loans
18.000%
$0
Security Service Federal Credit Union
Security Service Federal Credit Union
Personal Loan
11.240% - 17.950%
$0
25 - 36
Vystar Credit Union
Vystar Credit Union
Personal Loans
10.000%
$0
1 - 36
A+ Federal Credit Union
A+ Federal Credit Union
A+ Personal Loan
8.990%
$0
84
ACFCU
ACFCU
Gold Star Loan
14.200%
$0
48
Canyon View Credit Union
Canyon View Credit Union
Personal Loans
13.240%
$0 - $2,000
36 - 36
AAEC Credit Union
AAEC Credit Union
Personal Signature Loans
14.000%
$0
60
ABNB Federal Credit Union
ABNB Federal Credit Union
Personal Loans
11.740% - 17.990%
$0
1st Liberty Federal Credit Union
1st Liberty Federal Credit Union
Signature Loans
11.240%
$0 - $10,000
60 - 60
1st Valley Credit Union
1st Valley Credit Union
Next Step Loan
10.500%
$0
Abbott Laboratories Credit Union
Abbott Laboratories Credit Union
Personal Loan
9.490%
$0
48 - 48
4U Federal Credit Union
4U Federal Credit Union
Personal Loan
10.650%
$0
Avenir Financial Federal Credit Union
Avenir Financial Federal Credit Union
Open End Line-of-Credit
11.990%
$0
1st United Credit Union
1st United Credit Union
Personal Loan
10.890%
$0
60
Advantage Plus Federal Credit Union
Advantage Plus Federal Credit Union
Signature Loan
12.990%
$0
1 - 24
1st Ed Credit Union
1st Ed Credit Union
Personal/Signature Loans
11.150%
$0
60 - 60
Hughes Federal Credit Union
Hughes Federal Credit Union
Summer/Holiday Loans
9.500%
$0
Show More

The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed.

Our apologies, we do not have Valley Financial Credit Union rate data right now, check back for updates, we are adding rates all the time.

Valley Financial Credit Union Information

Credit Union Name: Valley Financial Credit Union
Full Time Employees: 115
Part Time Employees: 1
President: Wes Oja
CEO: Casey Klein
Branch Locations: 11
ATM Locations: 9
Corporate Office Address:
1541 Custer Ave
Billings, MT 59102
Phone Number: 406-656-9100
Fax Number: 406-655-5085

Valley Financial Credit Union Financials

Total Assets:
462,882,823
Total Amount of Shares and Deposits:
402,193,064
Total Shares and Deposits < 1 Year:
376,866,142
Total Shares and Deposits 1 3 Years:
12,666,845
Total Shares and Deposits > 3 Years:
12,660,077
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
32,962,857
Total Uninsured Shares and Deposits > $250K (F+J):
32,962,902
Total Insured Shares and Deposits > $250K (item 17 less item K):
369,230,162
Total Interest Expense (Sum of items 6 8):
1,420,245
Share Certificates:
4,398
Number of Accounts for Share Drafts:
20,949
IRA KEOGH Accounts:
1,012
Number of Accounts for Regular Shares:
44,477
Non Member Deposits:
1
Money Market Shares:
1,943
Net Income (unless the amount is already included in Undivided Earnings):
1,113,549
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
46,507,089
Total Liabilities:
409,178,685
Show More

Valley Financial Credit Union Questions and Answers

No Cost Share Drafts:
Yes
Share Certificates with Low Minimum Balance Requirements:
Yes
Is Financial Counseling Offered?:
Yes
Financial Education offered for Members?:
Yes
Are financial literacy Workshops offered?:
Yes
Is there a first time homebuyer program?:
No
Credit management and repair offered?:
No
Online Financial Literacy?:
No
No Cost Bill Payer:
Yes
Student Scholarships:
1
Mortgage Processing:
Yes
Approved Mortgage Seller?:
Yes
Brokered Certificates of Deposits:
1
payment:
No
Are low cost wire transfers available?:
Yes
Member Application:
Yes
Are New Loans Available:
Yes
New Share Account:
Yes
Are online loan payments available:
Yes
Online Bill Payment Allowed?:
Yes
Can I download my account history?:
No
Account Aggregation:
1
Electronic Signature Authentication Certification:
No
Can I get my bank statements online?:
Yes
External Account Transfers Allowed:
Yes
Remote Deposit Allowed:
Yes
Are Mobile Payments Avilable?:
No
Show More
Source: NCUA Last Updated 03/31/2024

Explore Other Rate Deals

Mortgage rates remain low this week and are slightly above record lows set in 2013. Current mortgage rates on 30 year conforming loans are averaging 3.76 percent, up 1 basis point from last week's rate. Mortgage rates were forecast to increase in 2015 but just the opposite has happened so far this year.
The highest CD rates this well haven't changed much and won't for several more years. Today is the first day of the two day meeting of the Federal Open Market Committee. Recent weak economic news has most economic analysts believing that another round of quantitative easing is just around the corner.

Bank or Credit Union Offers and Deals

Mortgage Refiance Rates Slightly Higher: 30 year Refinance Mortgage Refinance Rates at 4.86%, 15 Year Mortgage Refinance Rates at 4.22%
Refinance Rates This Week: 30 Year Refinance Rates at 4.13%
Mortgage Rates Drop as Fed Continues to Taper, 30 Year Mortgage Rates at 3.875
Colorado Federal Savings Bank CD Interest Rates and CD Yields
Mortgage Rates Close Out 2010 Higher: Conforming 30 Year Mortgage Rates Averaging 4.86%
VirtualBank Money Market Account Rates now at 0.65%
giantbank.com 9 Month Jumbo CD Rates now at 0.85%
FOMC Meets - Are Mortgage Rates and CD Rates Headed Up?
Buying Down Mortgage Rates with Points
Highest National CD Rates: E-Loan Still Tops Our 12 Month CD Rates list at 1.25%

Alternative Bank and Credit Union Offers to Explore

Average Mortgage Rates Increase from 2014 Lows
Low Mortgage Rates to Help Existing Home Sales in the Coming Months
Mortgage Rates Increase Following Bond Yields Higher
Mortgage Rates Increase as Mortgage Applications Hit Highest Level Since 2009
Citizens Trust Bank 6 Month Jumbo CD Rates now at 0.05%
Refinance Rates: Current Refinance Rates at 4.04%
nbkc Bank CD Rates
Bangor Savings Bank CD Rates: Best Rate 4.08% APY 15-Month Special CD Benefit Plus
Best 3 Month CD Rates California
Mortgage Rates Increase: 30 Year Mortgage Rates at 5.07% and 15 Year Mortgage Rates at 4.43%

Valley Financial Credit Union Reviews

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