Credit union · NCUA insured
Valley 1st Community FCU
A $104.2M credit union headquartered in Monessen, PA, with 7,342 members and 2 branches in Pennsylvania. Best rates: CDs 3.75% and savings 0.75% APY.
Valley 1st Community FCU Carrot Score
84
Carrot Score
Higher than 67% of U.S. banks and credit unions
#16 of 100 in Pittsburgh, PA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Valley 1st Community FCU
Valley 1st Community Federal Credit Union has been serving members since 1935 and is headquartered in Monessen, Pennsylvania.
Operating as a member-owned financial cooperative, it serves Fayette, Washington, and Westmoreland counties with branch locations in Monessen and Belle Vernon.
- Headquarters
- 815 Schoonmaker Ave, Monessen, PA 15062-1008
- NCUA charter
- 649
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone living, working, or worshipping in Fayette, Washington, and Westmoreland County.
Family and household
- Membership is open to family members of eligible individuals living, working, or worshipping in Fayette, Washington, and Westmoreland County.
Cost to join
- An opening share deposit of at least $5.00 is required upon joining.
- An initial membership fee of $1.00 is required upon joining.
Branches
2 branches in Pennsylvania
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Pennsylvania
2 branches
- Valley 1st Community Federal Credit UnionMain office815 Schoonmaker Ave, Monessen, PA 15062Directions
- Valley 1st Community Federal Credit Union100 Sara Way, Rostraver Township, PA 15012Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 23.12% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.75% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.72% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $71 | $76 | — |
- CapitalNet worth ratio23.12%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.75%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.72%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$71Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Valley 1st Community FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.