About Valley Trust Credit Union

The Making of a Community

The concept of forming a Valley Trust Credit Union emerged in the early 2000's during a community gathering focused on financial empowerment. Inspired by discussions around cooperative finance, a small group of individuals explored the possibility of establishing a member-owned financial institution to serve local needs.

By mid-1941, a charter was granted to officially launch the Valley Trust Credit Union. Its purpose was simple yet powerful: to enable individuals to pool their resources and provide loans to one another. Within just two months of operation, Valley Trust Credit Union had welcomed 36 members and held a modest balance of $257—marking the beginning of a shared financial journey.

The first treasurer volunteered to manage records and operations from home until a dedicated office space could be arranged. In time, a portion of a private residence was offered as the first official office, allowing Valley Trust Credit Union to operate with greater structure and accessibility.

The 1970s brought significant growth. A full-time office space was secured, offering members and staff a more professional environment with regular business hours. Loan approvals became more efficient, and Valley Trust Credit Union began to establish itself as a reliable financial partner in the community.

Expanding the Horizon

In the late 1980s, members voted to open a new branch to extend services to a broader population. Regulatory approval followed, and within months, the new location was operational. A few years later, Valley Trust Credit Union underwent a name change to reflect its expanding reach and unified identity across multiple branches.

Over the decades, Valley Trust Credit Union evolved from a small group of members with limited funds into a thriving institution with thousands of members and substantial equity. The founding vision of cooperation and financial inclusion remained at its core, guiding its growth and impact.

In the early 2000s, Valley Trust Credit Union expanded its field of membership, extending its services to a wider geographic area. Research into underserved communities led to the establishment of additional branches, each designed to meet local needs with personalized service and community-focused values.

With each expansion, Valley Trust Credit Union reaffirmed its commitment to accessibility, financial education, and member-driven growth. Today, it continues to serve individuals and families with a mission rooted in trust, cooperation, and shared prosperity.

Our Financial Services and Products

At Valley Trust Credit Union, we offer a comprehensive range of financial products designed to meet the diverse needs of our members. Our ATM and debit card services provide convenient access to your funds with advanced security features and nationwide ATM access.

Our Valley Trust Credit Union also offers competitive savings accounts, checking accounts, personal and auto loans, mortgage services, and retirement planning options. We believe in providing innovative financial solutions that help our members achieve their goals, whether it's buying a home, starting a business, or planning for retirement.

All our services are designed with our members in mind, offering lower fees, better interest rates, and personalized support that you won't find at traditional banks. As a member-owned institution, your success is our success.

Member Benefits and Community Impact

As a member of Valley Trust Credit Union, you're not just a customer—you're an owner with a voice in how our Valley Trust Credit Union operates. Members receive competitive dividend rates on savings, lower interest rates on loans, and have the opportunity to vote on important decisions affecting our institution.

We're committed to financial education and regularly host workshops on budgeting, credit management, home buying, and retirement planning. Our team of financial specialists provides personalized guidance to help members make informed decisions about their money.

Our community impact extends beyond financial services. We support local initiatives, sponsor youth programs, and participate in charitable activities that strengthen the communities we serve. From scholarship programs to local event sponsorships, we're invested in creating positive change where our members live and work.

Mission Statement

Valley Trust Credit Union will strive to grow and continue to function as a member-owned financial cooperative that provides competitive, traditional, and innovative services in a professional and friendly manner.

Core Values

• Member Focus: Putting our members' needs first in every decision we make
• Integrity: Conducting business with honesty, transparency, and ethical practices
• Community: Building strong relationships and supporting local initiatives
• Cooperation: Working together for mutual benefit and shared success
• Innovation: Embracing new technologies and solutions to improve member experience
• Financial Wellness: Empowering members with knowledge and tools for financial success

Membership Eligibility

Membership at Valley Trust Credit Union is available to individuals who live, work, worship, or attend school in our designated service areas. Immediate family members of existing members are also eligible to join. Once you join, your membership is for life, even if your circumstances change.

With a minimum deposit of $5, you can open a share savings account and become a member-owner of our Valley Trust Credit Union. This small investment gives you access to all our financial products and services, as well as the right to vote in Valley Trust Credit Union elections and participate in our democratic governance.