Valley Credit Union is a member-owned financial cooperative that serves the Billings, Montana community and surrounding areas. Established to provide financial services through a cooperative model, the organization operates as a nonprofit entity governed by its members, with goals centered on accessibility, affordability, and democratic control. Its history reflects a commitment to local stewardship, evolving alongside changes in the broader financial landscape while maintaining a focus on community-centered banking.
The credit union offers core financial functions typical of cooperative financial institutions, including deposit taking, loan origination, and payment services, all aimed at supporting members’ financial needs. Its operational scope encompasses retail branches and member services designed to foster savings, prudent borrowing, and financial inclusion. By emphasizing cooperative principles, Valley Credit Union participates in shared branching and service delivery that aligns with the expectations of its membership. The organization’s activities are anchored in regulatory compliance, risk management, and coordinated member engagement to sustain its service model.
Better than 78% of providers in Billings
In addition to the primary service, Valley Credit Union also offers:
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Valley Credit Union is a verified financial service provider. This means we have confirmed their business information, contact details, and they have received customer reviews. You can trust this provider for your financial needs.
Find answers to common questions
Valley Credit Union is listed as a financial service provider in Billings, MT and must follow both state and federal regulations that apply to this type of business. As with any financial provider, you should review the agreement carefully before signing, make sure you understand all fees and repayment terms, and only use official contact details from this page or the company's own website. Avoid sharing personal or payment information with anyone who contacts you unexpectedly and, if something seems unclear, ask Valley Credit Union to explain the terms in writing before you proceed.
To improve your chances of getting better terms from Valley Credit Union, be prepared with accurate information about your income, existing debts, and the amount you really need to borrow. If possible, check your credit history in advance, avoid late payments on other accounts, and consider offering collateral if the product allows it, as stronger overall finances can help you qualify for more favorable rates or fees. It's also a good idea to compare Valley Credit Union with other providers in Billings and to ask directly about any current promotions, loyalty benefits, or ways to reduce the total cost of your loan.
Valley Credit Union has a rating of 4.7, which is better than 78% of providers in Billings.
Requirements can vary by product, but for most visits you should be ready to bring a valid government-issued ID, proof of income (such as recent pay stubs or bank statements), and proof of address like a utility bill or lease. If you are applying for a title or secured loan, you may also need the vehicle title, registration, and insurance details, along with any other documents Valley Credit Union requests. It is always best to call ahead using the phone number on this page so Valley Credit Union can confirm exactly which documents you need for your specific situation.
In addition to its primary service, Valley Credit Union also offers: Credit union, ATM.