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 Valley Credit Union Salem, OR 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 21, 2026
Valley Credit Union Salem, OR's Personal Loan Rates are at 4.49%. MonitorBankRates evaluates the financial stability of Valley Credit Union Salem, OR with a 4.4 Star Rating, an B Overall Health Grade, and a Texas Ratio of 21.74%. Rates were last updated on 04/21/2026. Valley Credit Union Salem, OR 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 Salem, OR? Share your experience about Valley Credit Union Salem, OR by leaving a review below, or read customer reviews before you decide to use Valley Credit Union Salem, OR. 
Valley Credit Union Salem, OR Home Equity & HELOC
Valley Credit Union Salem, OR Auto Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Valley Credit Union Salem, OR 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 Salem, OR 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 Salem, OR's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Valley Credit Union Salem, OR
Website
https://www.valleycu.org
Address
2096 Mission St Se,
Salem, OR 97302
Phone
503-364-7999
Fax
503-589-6219
President
Rob Kansky
CEO
Pat Force
Full-Time Employees
19
Part-Time Employees
0
Branch Locations
1
ATM Locations
1
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
4.4 / 5.0 ★
Overall Health & Safety Grade
B (84/100)
Texas Ratio
21.74%
Return on Assets (ROA)
0.7760%
Return on Equity (ROE)
5.7632%
Non-Performing Loans Ratio (NPL)
4.03%
Total Assets
111,495,759
Total Amount of Shares and Deposits
95,866,007
Total Shares and Deposits < 1 Year
95,062,574
Total Shares and Deposits 1 3 Years
746,374
Total Shares and Deposits > 3 Years
57,059
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
4,863,134
Total Uninsured Shares and Deposits > $250K (F+J)
4,863,134
Total Insured Shares and Deposits > $250K (item 17 less item K)
91,002,873
Total Interest Expense (Sum of items 6 8)
1,549,166
Share Certificates
642
Number of Accounts for Share Drafts
3,581
IRA KEOGH Accounts
196
Number of Accounts for Regular Shares
6,651
All other shares
4,826
Money Market Shares
395
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
4,583,282
Total Liabilities
97,165,301
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Valley Credit Union Salem, ORIs Valley Credit Union Salem, OR a safe place to deposit money?Yes, Valley Credit Union Salem, OR is considered a safe financial institution. With a Texas Ratio of 21.737974269365%, 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 Valley Credit Union Salem, OR operate?Valley Credit Union Salem, OR 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 Salem, OR?Yes, to access services at Valley Credit Union Salem, OR, 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 Salem, OR 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 Salem, OR provides members with tools to manage their accounts and build a solid financial history. Does Valley Credit Union Salem, OR offer online and mobile banking?Most modern institutions like Valley Credit Union Salem, OR 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.valleycu.org. Compare to Other Credit Unions
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