Valley Credit Union is a member-owned financial cooperative servicing residents of and around Salem, Oregon. Established to provide cooperative financial services, the organization operates as a nonprofit association guided by a shared principle: members pool resources to meet common economic needs. Its history reflects a community-driven approach to accessible banking, emphasizing resident participation and democratic governance through a volunteer board of directors elected by members. The credit union structure centers on grassroots involvement, with members voting on major policy decisions and oversight responsibilities.
Primary functions focus on safeguarding deposits, providing basic savings and checking accounts, and offering credit products aligned with member interests. Operational activity includes member service, financial education, and community outreach to promote prudent financial management. As a mutual financial institution, Valley Credit Union typically aims to reinvest earnings into member services, building resilience and stability within the local economy. The organization’s scope covers essential day-to-day banking needs, along with prudent lending practices and transparency in its financial operations.
Better than 87% of providers in Salem
In addition to the primary service, Valley Credit Union also offers:
Other providers in Salem with similar ratings:
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 Salem, OR 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 Salem 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 4.4, which is better than 87% of providers in Salem.
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.