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 Valley Credit Union Salem, OR 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 9, 2026
Valley Credit Union Salem, OR's top rates as of October 9, 2026 are 3.50% APY on its 9 Month Liquid CD, 0.05% APY on checking, personal loans from 12.25% APR, and credit cards from 10.75% APR, according to rates verified by MonitorBankRates. Other Valley Credit Union Salem, OR CD rates include 5 Year Share and IRA CD at 2.70%, 4 Year Share and IRA CD at 2.60%, and 5 Year Bump Up CD at 2.60%. MonitorBankRates evaluates the financial stability of Valley Credit Union Salem, OR with a 4.2 Star Rating, an C+ Overall Health Grade, and a Texas Ratio of 24.68%. Rates last updated and verified on 10/09/2026. 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. 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 Credit Union Salem, OR CD Rates
Valley Credit Union Salem, OR Savings Rates
Valley Credit Union Salem, OR Checking Rates
Valley Credit Union Salem, OR Home Equity & HELOC
Valley Credit Union Salem, OR Credit Card Rates
Valley Credit Union Salem, OR Personal Loan Rates
Valley Credit Union Salem, OR Other Rates
Financial Health HistoryValley Credit Union Salem, OR’s Texas Ratio rose from 10.04% in Q3 2023 to 24.68% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.2 and its Health Grade from A to C+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)
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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 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
Randy Sutton
CEO
Pat Force
Full-Time Employees
17
Part-Time Employees
0
Branch Locations
1
ATM Locations
1
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
4.2 / 5.0 ★
Overall Health & Safety Grade
C+ (80/100)
Texas Ratio
24.68%
Return on Assets (ROA)
0.1767%
Return on Equity (ROE)
1.3817%
Non-Performing Loans Ratio (NPL)
5.22%
Total Assets
118,596,047
Total Amount of Shares and Deposits
103,109,775
Total Shares and Deposits < 1 Year
102,371,411
Total Shares and Deposits 1 3 Years
694,804
Total Shares and Deposits > 3 Years
43,560
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
6,100,116
Total Uninsured Shares and Deposits > $250K (F+J)
6,100,116
Total Insured Shares and Deposits > $250K (item 17 less item K)
97,009,659
Total Interest Expense (Sum of items 6 8)
970,614
Share Certificates
603
Number of Accounts for Share Drafts
4,338
IRA KEOGH Accounts
196
Number of Accounts for Regular Shares
6,622
All other shares
4,846
Money Market Shares
381
Net Income (unless the amount is already included in Undivided Earnings)
209,511
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)
7,811,797
Total Liabilities
104,022,201
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Add Your Rating and Review for Valley Credit Union Salem, OR
Frequently Asked Questions About Valley Credit Union Salem, ORHow 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. Current Valley Credit Union Salem, OR Rates
Retrieved from our database of financial products. Rates subject to change.
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