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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Valley Financial Credit Union Rates & Review October 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.
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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 and Verified: October 10, 2026
Valley Financial Credit Union's top rates as of October 10, 2026 are 4.18% APY on its 24 Month CD, 5.12% APY on savings, 4.50% APY on checking, personal loans from 9.49% APR, and credit cards from 11.49% APR, according to rates verified by MonitorBankRates. Other Valley Financial Credit Union CD rates include 12 Month CD at 4.07%, 6 Month CD at 4.07%, and 9 Month CD at 4.07%. MonitorBankRates evaluates the financial stability of Valley Financial Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.69%. Rates last updated and verified on 10/10/2026. 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 money market rates and 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. Valley Financial Credit Union
Custer Branch 1541 Custer Ave
https://www.valleyfcu.com Billings, MT 59102  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Valley Financial Credit Union CD Rates
Valley Financial Credit Union Savings Rates
Valley Financial Credit Union Checking Rates
Valley Financial Credit Union Auto Loan Rates
Valley Financial Credit Union RV, Boat and Powersport Loan Rates
Valley Financial Credit Union Credit Card Rates
Valley Financial Credit Union Personal Loan Rates
Valley Financial Credit Union Other Rates
Financial Health HistoryValley Financial Credit Union’s Texas Ratio stayed near 2.11% in Q3 2023 to 1.69% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Valley Financial 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 Financial 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 Financial Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Valley Financial Credit Union
Website
https://www.valleyfcu.com
Address
1541 Custer Ave,
Billings, MT 59102
Phone
406-656-9100
Fax
406-655-5085
President
Gabriel Briano
CEO
Casey Klein
Full-Time Employees
125
Part-Time Employees
1
Branch Locations
11
ATM Locations
10
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
1.69%
Return on Assets (ROA)
0.4219%
Return on Equity (ROE)
3.9513%
Non-Performing Loans Ratio (NPL)
0.25%
Total Assets
600,897,274
Total Amount of Shares and Deposits
531,018,307
Total Shares and Deposits < 1 Year
493,243,656
Total Shares and Deposits 1 3 Years
29,530,240
Total Shares and Deposits > 3 Years
8,244,411
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
37,822,446
Total Uninsured Shares and Deposits > $250K (F+J)
37,822,446
Total Insured Shares and Deposits > $250K (item 17 less item K)
493,195,861
Total Interest Expense (Sum of items 6 8)
4,606,826
Share Certificates
5,822
Number of Accounts for Share Drafts
24,159
IRA KEOGH Accounts
1,124
Number of Accounts for Regular Shares
51,716
Non Member Deposits
1
Money Market Shares
2,760
Net Income (unless the amount is already included in Undivided Earnings)
2,534,939
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
24,503,852
Total Liabilities
536,742,613
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Valley Financial Credit Union yet. Feel free to create one below.
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Frequently Asked Questions About Valley Financial Credit UnionHow many branches does Valley Financial Credit Union operate?Valley Financial 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 Financial Credit Union?Yes, to access services at Valley Financial 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 Financial 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 Financial Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Valley Financial Credit Union offer online and mobile banking?Most modern institutions like Valley Financial 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.valleyfcu.com. Current Valley Financial Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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