Credit union · NCUA insured
Valley Credit Union
A $593.7M credit union headquartered in Billings, MT, with 38,943 members and 11 branches in 2 states. Best rates: CDs 4.33% and savings 0.05% APY.
Valley Credit Union Carrot Score
85
Carrot Score
Higher than 71% of U.S. banks and credit unions
#5 of 12 in Billings, MT metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Valley Credit Union
- Headquarters
- 1541 Custer Ave, Billings, MT 59102
- NCUA charter
- 68689
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Persons who live, work, worship or attend school in, and businesses and other legal entities located in specified counties in Montana (Beaverhead, Big Horn, Broadwater, Carbon, Carter, Cascade, Chouteau, Custer, Dawson, Deer Lodge, Fallon, Fergus, Flathead, Gallatin, Garfield, Golden Valley, Jefferson, Judith Basin, Lewis and Clark, Madison, McCone, Meagher, Missoula, Musselshell, Park, Petroleum, Powder River, Powell, Prairie, Richland, Rosebud, Silver Bow, Stillwater, Sweet Grass, Treasure, Wheatland, Wibaux or Yellowstone Counties) or Park County, Wyoming are eligible to join.
Employers and groups
- Persons retired as pensioners or annuitants from qualifying employment, and organizations of such persons, are eligible to join.
Family and household
- Relatives of someone who qualifies for membership are eligible to join regardless of where they live or work, including parents, spouse, children, grandchildren, siblings, stepparents, stepchildren, stepsiblings, and adoptive relationships.
- Spouses of persons who died while within the field of membership of the credit union are eligible to join.
Cost to join
- Membership requires opening a Regular Savings account with as little as $25.
Branches
11 branches in 2 states
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Montana
10 branches
Billings area · 7
- Custer BranchMain office1541 Custer Ave, Billings, MT 59102Directions
- Downtown Branch207 N 28th St, Suite 105, Billings, MT 59101Directions
- Grand Ave Branch2955 Grand Ave, Billings, MT 59102Directions
- Heights Branch1445 Main St, Billings, MT 59105Directions
- King Avenue Branch3025 King Ave W, Billings, MT 59102Directions
- Second Avenue Branch3100 2nd Ave N, Billings, MT 59101Directions
- Columbus Branch400 W Pike Ave, Columbus, MT 59019Directions
Bozeman area · 1
- Bozeman Branch1707 Oak St Ste A, Bozeman, MT 59715Directions
Miles City area · 1
- Miles City Branch2503 Main St, Miles City, MT 59301Directions
Roundup area · 1
- Roundup Branch216 8th Ave E, Roundup, MT 59072Directions
Wyoming
1 branch
- Cody Branch1902 Cougar Ave, Cody, WY 82414Directions
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
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.68% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.25% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.86% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $87 | $76 | — |
- CapitalNet worth ratio10.68%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.25%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.86%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$87Peers’ 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 Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.