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Sioux Valley Community Credit Union

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Sioux Valley Community Credit Union Rates & Review April 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Sioux Valley Community Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 23, 2026

You can compare Sioux Valley Community Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 1.05%, 6-month share certificate rates at 1.30% and 3-month share certificate rates at 0.20%. Savings rates are at 0.10% and money market rates are at 0.15%. Mortgage rates on 30-year fixed loans are around 5.93%. All these rates can be compared to Sioux Valley Community Credit Union rates. MonitorBankRates evaluates the financial stability of Sioux Valley Community Credit Union with a 4.1 Star Rating, an C+ Overall Health Grade, and a Texas Ratio of 26.29%. Rates were last updated on 04/23/2026.

Sioux Valley Community 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 Sioux Valley Community Credit Union? Share your experience about Sioux Valley Community Credit Union by leaving a review below, or read customer reviews before you decide to use Sioux Valley Community Credit Union.

Overall Health & Safety Grade

C+

Fair Health Score: 77/100

MonitorBankRates Rating

4.1

Excellent Out of 5.0 Stars

Texas Ratio

26.29%

Good Higher than avg

Sioux Valley Community Credit Union
Downtown

1120 6th St
Sioux City, IA 51101 1908

https://www.siouxvalleyccu.com

Sioux Valley Community Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Primary Residence Home Equity	-	-	5.99%	66
No additional details. Last Updated 04/19/2026 Institution Ratings 4.1 Star Rating C+ Health Grade ◈ Texas Ratio: 26.29%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Sioux Valley Community 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 Sioux Valley Community 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 Sioux Valley Community Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Sioux Valley Community Credit Union

Website https://www.siouxvalleyccu.com

Address 1120 6th St, Sioux City, IA 51101 1908

Phone 712-277-1440

Fax 712-233-5499

President Ann Hill

CEO John Parks

Full-Time Employees 13

Part-Time Employees 4

Branch Locations 3

ATM Locations 0

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

4.1 / 5.0 ★

Overall Health & Safety Grade

C+ (77/100)

Texas Ratio

26.29%

Return on Assets (ROA)

0.1640%

Return on Equity (ROE)

1.4591%

Non-Performing Loans Ratio (NPL)

4.85%

Total Assets

40,752,312

Total Amount of Shares and Deposits

35,960,040

Total Shares and Deposits < 1 Year

34,505,591

Total Shares and Deposits 1 3 Years

1,454,449

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

2,615,915

Total Uninsured Shares and Deposits > $250K (F+J)

2,615,915

Total Insured Shares and Deposits > $250K (item 17 less item K)

33,344,125

Total Interest Expense (Sum of items 6 8)

249,721

Share Certificates

777

Number of Accounts for Share Drafts

1,919

Number of Accounts for Regular Shares

4,046

Money Market Shares

Net Income (unless the amount is already included in Undivided Earnings)

66,833

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

4,644,035

Total Liabilities

36,207,872

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Frequently Asked Questions About Sioux Valley Community Credit Union

Is Sioux Valley Community Credit Union a safe place to deposit money?

Yes, Sioux Valley Community Credit Union is considered a safe financial institution. With a Texas Ratio of 26.2874939143%, the institution's financial health is rated as stable. 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 Sioux Valley Community Credit Union operate?

Sioux Valley Community 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 Sioux Valley Community Credit Union?

Yes, to access services at Sioux Valley Community 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, Sioux Valley Community 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, Sioux Valley Community Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Sioux Valley Community Credit Union offer online and mobile banking?

Most modern institutions like Sioux Valley Community 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://www.siouxvalleyccu.com.