|
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 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 19, 2026
Valley Financial Credit Union's 12 Month Youth CD rates are at 6.17%, 12 Month CD rates are at 3.66%, 6 Month CD rates are at 3.66%, 9 Month CD rates are at 3.66%, Business CDs 12 Month CD rates are at 3.66%. 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 2.09%. Rates were last updated on 04/19/2026. 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 
Valley Financial Credit Union CD Rates
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
130
Part-Time Employees
1
Branch Locations
11
ATM Locations
9
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
2.09%
Return on Assets (ROA)
0.5913%
Return on Equity (ROE)
5.3787%
Non-Performing Loans Ratio (NPL)
0.31%
Total Assets
556,805,181
Total Amount of Shares and Deposits
490,649,515
Total Shares and Deposits < 1 Year
448,164,420
Total Shares and Deposits 1 3 Years
31,854,975
Total Shares and Deposits > 3 Years
10,630,120
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
34,360,226
Total Uninsured Shares and Deposits > $250K (F+J)
34,360,226
Total Insured Shares and Deposits > $250K (item 17 less item K)
456,289,289
Total Interest Expense (Sum of items 6 8)
6,340,969
Share Certificates
5,442
Number of Accounts for Share Drafts
22,379
IRA KEOGH Accounts
1,076
Number of Accounts for Regular Shares
48,479
Non Member Deposits
1
Money Market Shares
2,424
Net Income (unless the amount is already included in Undivided Earnings)
3,292,159
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
63,215,421
Total Liabilities
495,803,090
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Valley Financial Credit UnionIs Valley Financial Credit Union a safe place to deposit money?Yes, Valley Financial Credit Union is considered a safe financial institution. With a Texas Ratio of 2.0903333063702%, 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 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.
Compare to Other Credit Unions
SSMOK Employees Federal Credit Union
Ulster Federal Credit Union
Skyward Credit Union
Buckeye State Credit Union
Michigan Schools And Government Credit Union
Saint Gregory Parish Credit Union
Galveston School Employees Federal Credit Union
Community Star Credit Union
Vanderbilt Credit Union
Polish National Credit Union
Citizens Federal Credit Union
Lakehurst Naval Federal Credit Union
Academic Employees Credit Union
FRONT ROYAL
North Star Credit Union
Post Office Employees Federal Credit Union
Rushmore Electric Federal Credit Union
Wheat State Credit Union
Baton Rouge City Parish Employees Federal Credit Union
Alliance Catholic Credit Union
Blue Mountain Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
