M
Back to Billings credit unions

Valley Financial

PO Box 20417, Billings, MT 59104
NCUA Insured4.5 (167 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1949

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

Location & Directions

Address

PO Box 20417

Billings, MT 59104

Google Maps🗺Waze
(406) 656-9100

Service Area

This credit union is located in Billings and serves members in the MT area. Currently serving 38,323 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

7.74%

Used Auto Loan

7.74%

Personal Loan

12.49%

Credit Card APR

11.74%

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 MT

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

Wolf Point— New Auto Loan

Wolf Point, MT

3.00%
St. Pats Employees— Used Auto Loan

Missoula, MT

4.35%
Russell Country— Personal Loan

Great Falls, MT

8.50%
Altana— Credit Card APR

Billings, MT

7.95%

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

Branches & Locations(12 total)

Member Reviews

4.5

167 Google reviews

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

View on Google Maps
Kris Ziegler

Kris Ziegler

2 months ago

Valley Bank is great to work with for any of your financial needs. The staff is very friendly and motivated to helping you. When issues arise they are very dedicated to resolving them . They are committed to making your experience as easy and enjoyable as possible. Thank you Carmie and Valley Credit Union.

AA A

AA A

8 months ago

This is the first time I walked into this bank because I was interested in opening an account and inquiring about information. The staff provided a warm welcome, and the gentleman I spoke with was very knowledgeable and gave excellent answers, honest & clearly understanding what he was doing. Absolutely will have my account here.

Leslie Popp

Leslie Popp

6 months ago

Absolutely a nightmare here, very rude employees. Long waiting in line, I closed my accounts and went elsewhere. Bad credit union.

mike cruse

mike cruse

9 months ago

Valley Credit union was wonderful to work with. They were great to work with after mother passed away. So courteous.

Kevin Zumbrennen

Kevin Zumbrennen

a year ago

Valley credit union went way above and beyond what I thought could happen! We had a unique situation and Carmie walked us through every step! Absolutely amazing experience and customer service!!

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).