Valley Credit Union

Headquarters

Po Box 12903
Salem, OR 97309
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ACH 323276401

Notable Rates	APY	Vs.Others
Savings	N.A.	4.60% →
1-Year CD	2.00%	4.59% →
2-Year CD	2.25%	4.25% →
5-Year CD	2.70%	4.15% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

Overview
Membership
Deposit Rates
Loan Rates
Branches
Climate
Financial Details
FAQs
Reviews

2025 Overview

General Credit Union Information

Valley is an NCUA insured institution located in Salem, OR. It was founded in 1957 and has approximately $116.2 millions in assets.


NCUA Insured	Yes / State-Chartered
Charter Number #	# 64169
Date Established	1957
Assets	$116.20 million
Loans	$85.08 million
Deposits	$100.02 million
Capital	$14.15 million

Field of Membership Restrictions

Membership is open to individuals and businesses that live or work in Marion, Polk, Yamhill and Linn Counties in Oregon.

Deposit Rates - April 15, 2025

Your Current Location: Kansas, KS 10007

CD Rates (Share Certificate Rates)	APY	MIN	MAX
6 Month	1.75%	$500	-	Learn More Reviews
9 Months Special	3.70%	$500	-	Learn More Reviews
1 Year	2.00%	$500	-	Learn More Reviews
2 Year	2.25%	$500	-	Learn More Reviews
3 Year	2.50%	$500	-	Learn More Reviews
4 Year	2.60%	$500	-	Learn More Reviews
5 Year	2.70%	$500	-	Learn More Reviews

Loan Rates - April 15, 2025

Your Current Location: Kansas, KS 10007

There are currently no loan rates available for Valley

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Kansas 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 1067	6.686%	6.625%	0.63	$2,035	$2,049	Learn More
NMLS ID: 1025894	6.735%	6.625%	0.88	$3,625	$2,049	Learn More
NMLS ID: 401822	7.010%	6.875%	0.75	$4,395	$2,103	Learn More
NMLS ID: 3030	7.689%	7.625%	0.63	$2,000	$2,265	Learn More

See More Mortgage Rates →

Featured - Kansas Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Figure Home Equity See Table	Intro APR 7.300 % After Intro: 7.300 %	$15,000	Learn More More Info
Available APRs range from 6.65% - 15.40*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Flexible terms, borrow $15K-$400K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US
Achieve Loans See Table	Intro APR 8.750 % After Intro: 8.750 %	$0	Learn More More Info
Home Equity loans are available through our affiliate Achieve Loans (NMLS ID #1810501). Equal Housing Opportunity. Offers may vary and all loan requests are subject to eligibility requirements, application review, loan amount, loan term, income verification, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts are between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio and combined loan-to-value ratio. Minimum 600 credit score applies for debt consolidation requests, minimum 700 applies for cash out requests. Other terms, conditions and restrictions apply. Fixed rate APRs range from 6.74% - 14.75% and are assigned based on underwriting requirements and offer APRs assume automatic payment enrollment which may provide a discount (autopay enrollment is not a condition of loan approval). Example: average HELOC is $57,150 with an APR of 12.75% and estimated monthly payment of $852 for a 10-year loan. 10,15, 20 and 30-year terms available (20 and 30 year terms only available for cash out requests). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied and combined loan-to-value ratio may not exceed 80% for debt consolidation and 85% for cash out requests, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. Contact Achieve Loans for further details. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 640

See More Home Equity Rates →

Note to Valley
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Branches

Below are Valley branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Emporia,Kansas

Valley Locations around zip code 10007

Branch	Distance	Map	View Lobby Hours
Main Branch	1491.13	A	View Lobby Hours

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Climate Policy and Initiatives

VALLEY is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

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Financial Details

Financial Note

As of June 30, 2022, our net ratio ratio is 13.27% and our Texas Ratio is 4.26%.

Valley Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Valley. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio

Valley	U.S. Average
8.23%	7.07

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of December 31, 2024, Valley had $1,189,152 in non-current loans and $23,804 in owned assets. To cover these potential losses it had $14,146,963 in net worth and $584,666 in loans loss reserves. That gives it a Texas Ratio of 8.23%.

Net Worth

Valley	U.S. Average
12.17%	14.25%

Valley FCU has a net worth of 12.17% versus the BestCashCow average of 14.25. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

VALLEY's History

In 1930, Salem Postal Credit Union (SPCU) was formed to provide competitive and convenient financial services, while maintaining sound, financial practices. At first, SPCU served only members in Salem but in later years changes were made to allow postal employees in the 973xx zip codes to join. In 1957, Salem General Credit Union was started to serve employees and family members of the hospital and in 1968 the name was changed to Salem Hospital Credit Union. In 1976, the field of membership was opened to other health care facilities and renamed Valley Health Credit Union (VHCU). In 1981, VHCU purchased the property at 2096 Mission and the credit union has been located here since that time. In 1996, these two credit unions that were financially strong, engaged in the Salem Community and located within a mile of each other made the decision to merge their operations. Our current board and staff are proud to carry on the legacy that has been built during the past 90 years.

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