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iAdvertiser Disclosure
Advertiser Disclosure
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 Valley Communities Credit Union 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.
Read Full Bio →
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 8, 2026
Valley Communities Credit Union's IRA CDs 60 month rates are at 3.03%, IRA CDs 48 month rates are at 2.98%, IRA CDs 36 month rates are at 2.93%, IRA CDs 12 month rates are at 2.88%, IRA CDs 24 month rates are at 2.88%. Valley Communities Credit Union's savings rates are at 0.00%. Valley Communities Credit Union's money market rates are at 0.60%. 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 at 4.04%. 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 1.90%. Rates were last updated on 04/08/2026. 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 975 Indianhead Dr
https://valleycommunities.org Mosinee, WI 54455 9603 
Valley Communities Credit Union CD Rates
Valley Communities Credit Union Savings Rates
Valley Communities Credit Union Money Market Rates
Valley Communities Credit Union Checking Rates
Valley Communities Credit Union Mortgage Rates
Valley Communities Credit Union Auto Loan Rates
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
975 Indianhead Dr,
Mosinee, WI 54455 9603
Phone
715-693-3400
Fax
President
Elizabeth Jakusz
CEO
Kelly Hladovcak
Full-Time Employees
58
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
1.90%
Return on Assets (ROA)
0.6701%
Return on Equity (ROE)
5.1798%
Non-Performing Loans Ratio (NPL)
0.46%
Total Assets
291,710,417
Total Amount of Shares and Deposits
250,628,351
Total Shares and Deposits < 1 Year
243,609,239
Total Shares and Deposits 1 3 Years
4,496,164
Total Shares and Deposits > 3 Years
2,522,949
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
14,140,107
Total Uninsured Shares and Deposits > $250K (F+J)
14,140,107
Total Insured Shares and Deposits > $250K (item 17 less item K)
236,488,244
Total Interest Expense (Sum of items 6 8)
2,444,972
Share Certificates
660
Number of Accounts for Share Drafts
9,676
IRA KEOGH Accounts
508
Number of Accounts for Regular Shares
19,658
All other shares
178
Money Market Shares
1,049
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
47,335,924
Total Liabilities
253,971,869
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Valley Communities Credit UnionIs Valley Communities Credit Union a safe place to deposit money?Yes, Valley Communities Credit Union is considered a safe financial institution. With a Texas Ratio of 1.8961068783585%, 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 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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