Valley

P.O. BOX 388, Tuscumbia, AL 35674

NCUA Insured4.6 (42 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1956

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Tuscumbia, AL may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

2 charter

Established in 1956

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

P.O. BOX 388

Tuscumbia, AL 35674

Google Maps 🗺Waze

(256) 381-4800

Service Area

This credit union is located in Tuscumbia and serves members in the AL area. Currently serving 6,032 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

7.24%

Used Auto Loan

6.49%

Personal Loan

10.75%

Credit Card APR

10.88%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in AL

Lowest rates currently reported by credit unions in AL (NCUA Q4 2025).

North Alabama Papermakers— New Auto Loan

Stevenson, AL

2.36%

Nrs Community Development— Used Auto Loan

Birmingham, AL

2.25%

Baldwin County— Personal Loan

Bay Minette, AL

6.99%

Eco— Credit Card APR

Birmingham, AL

7.90%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(7 total)

Member Reviews

4.6

42 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Kyle Gvillo

7 months ago

We own several small businesses, and with that comes stress and chaos at times. The staff at VCU have always been calming and helpful at every turn. We are thankful for the many locations in the Shoals, as well as, the needs of our banking always being met with top notch satisfaction. I would not hesitate today, tomorrow, or in the future to continue using Valley Credit Union as our community bank. They are all wonderful.

Kimberly Johnson

4 months ago

Lori Siefman was amazing to work with. I am Deaf, and she knows American Sign Language, which made communication clear and comfortable. Thanks to her efforts, I was able to refinance my car loan and left the bank feeling relieved and very happy. I’m truly grateful for her support. ❤️

Caitlin C Clark

8 months ago

The staff at our local Valley credit Union are the best! Forget the fact that they offer the best rates they offer service with a smile! Glad to do business at valley where service is the best all around! If you need something, make sure you ask for my friend Sara!

skylar anderson

8 months ago

I’ve been a loyal customer for years now, and the entire team at Valley Credit Union never fails to impress. The attention to detail and the exceptional service I receive each time I come to the Tuscumbia or various locations is always top-tier.

Alejandra Barajas

8 months ago

I moved here a couple years ago and I am very happy with my decision to bank with Valley Credit Union! They have been so nice and accommodating from opening a bank account to the amazing staff! Especially Sara Todd!!