Valley Credit Union

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A short history of Valley CU

Since its inception in 1956 the Valley Credit Union has been serving its members in the TUSCUMBIA, Alabama area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by HILLARD SPARKS, the Valley CU has grown its membership to over 6,686 with assets of more than $72,093,058. They have a main office and 6 branch offices. Please see the credit unions website or contact them by phone at (256) 381-4800 or email them at to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in TUSCUMBIA, AL.

General Information For Valley CU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 60930
Address P.O. BOX 388 
State Alabama 
Zip-Code 35674
Phone Number (256) 381-4800
Fax Number (256) 381-4831
Email Address:
Members 6,686 
Full-Time Employees 24 
Part-Time Employees
Number of Branch Offices
Total Assets 72,093,058 

Compare Valley Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Tuscumbia CU Tuscumbia Federal 103 E 5th St 35674 (256) 383-3331 No 5.42
Railway Employees CU Main 1604 Gusmus Ave 35662 (256) 383-7940 No 7.72
Electrical Workers No 558 CU Main Office 1705 E 17th St 35660 (256) 383-6551 No 8.83
Listerhill CU MS1 3400 Woodward Ave 35661 (256) 383-1031 No 11.04
Florence CU Florence Federal Credit Union 501 E Tennessee St 35630 (256) 766-7264 No 11.32

Valley Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Valley Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 10.88 3.29 3.50 4.73 5.75
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 329 180 147 236 317
Rank Among All Alabama Credit Unions 19 20 15 18 31

Valley Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.25 0.30 0.70 0.70
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 95 97 224 199
Rank Among All Alabama Credit Unions N/A 16 12 28 19
Valley Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 10.8801,1871,411,755
All Other Unsecured Loans/Lines of Credit 10.0001,3333,784,768
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 3.290921,590,297
Used Vehicle Loans 3.5008858,587,971
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.73021311,748,561
Total Other Real Estate Loans/Lines of Credit 5.75020589,934
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 9.0002051,757,465
TOTAL LOANS & LEASES 3,93529,470,751

Valley Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 1078,010,3228656,800
    b. 15 Years or less 903,126,00814706,995
    a. > 15 years 0000
    b. 15 Years or less 10499,20500
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 6113,02600
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 6189,30900
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 14400,625112,405
Open-End Fixed Rate 0000
TOTALS 23312,338,495231,376,200


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Valley Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards No
Overdraft Protection/Courtesy Pay No
Overdraft Lines of Credit No
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans Yes
Check Cashing No
Money Orders No
No Surcharge ATMs No
Home Banking Via Internet Website Yes