Credit union · NCUA insured
Valley Credit Union
A $111.3M credit union headquartered in Tuscumbia, AL, with 6,075 members and 7 branches in Alabama. Best rates: CDs 4.16% and savings 0.60% APY.
Valley Credit Union Carrot Score
79
Carrot Score
Higher than 50% of U.S. banks and credit unions
#4 of 13 in Florence, AL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Valley Credit Union
Originally chartered in 1956 as Sheffield-Tuscumbia Credit Union, Valley Credit Union was founded by eight school board employees to provide a convenient way to save and borrow.
After renaming to Tennessee Valley Credit Union in 1983 and Valley Credit Union in 1986, it merged with Robbins Credit Union in 1997 and received a community charter in 2003.
The credit union serves six Alabama counties with seven branch locations across North Alabama.
- Headquarters
- 200 E 6th St, Tuscumbia, AL 35674
- NCUA charter
- 60930
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Individuals who live, work, or attend school in Colbert, Franklin, Lawrence, Lauderdale, Marion, or Winston County, Alabama are eligible for membership.
Cost to join
- A minimum deposit of $25 in a Share Account is required to open a membership.
Branches
7 branches in Alabama
Loading map…
Alabama
7 branches
Florence area · 6
- Valley Credit UnionMain office200 E 6th St, Tuscumbia, AL 35674Directions
- Valley Credit Union180 Main St, Cherokee, AL 35616Directions
- Valley Credit Union304 S Pine St, Florence, AL 35630Directions
- Valley Credit Union1472 Highway 72, Killen, AL 35645Directions
- Valley Credit Union2500 Avalon Ave, Muscle Shoals, AL 35661Directions
- Valley Credit Union323 Nashville Ave, Sheffield, AL 35660Directions
Russellville area · 1
- Valley Credit Union111 Lauderdale St NE, Russellville, AL 35653Directions
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 | 13.96% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.20% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.56% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $39 | $76 | — |
- CapitalNet worth ratio13.96%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.20%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.56%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$39Peers’ 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.