Welcome to Valley Credit Union's website! Please, click here to email us if you need assistance for any reason.

Come See Our Loan Officers Today

Stop by your local branch! All loans are subject to credit approval. Certain restrictions may apply.

Online Banking Login

Checking with Interest

You deserve more! Earn 5% APY* on average daily balances up to $10,000. Call 256-381-4800 or visit any location to learn more!

Online Banking Login

Digital Account Opening

Open a new account in just minutes!

Open Account

Access your VISA Credit Card Account

At eZCardInfo.com you can: View balance and transactions, view past and current statements, pay your bill online, and receive email or text alerts!

Learn More →

Become a Member

At Valley Credit Union you are more than a member, you are family. Join the VCU family today by opening a Share Account at any branch location.

Learn More →

Ready to ReFi or Buy?

There’s no better time and VCU has great loan options! Our 5 and 5 Adjustable Rate Mortgage features a low fixed rate and provides longer periods between adjustments. We also offer fixed-rate mortgage options.

Learn More →

Lost Or Stolen Debit or ATM Card?

Call 800-292-8920

"I have been a member for many years; back when you could only borrow $300.00. Valley Credit Union has been wonderful for me. I have never been turned down, and the credit union keeps excellent records."

Penelope Johnson
Member Since the 1970's

"I don't know what I would do without Valley Credit Union. I can't think of a time that I had a need where they didn't help me. The employees are just like family and have always been polite, courteous, patient, gracious and helpful. I love VCU!"

Deborah Gerelds
Member Since 1984

Our Account Rates

Interest Checking
5.00%APY**
6 Month CD
3.55 %APY**
Auto Rates as Low as
4.99 %APR*

Branches & ATMs

Valley Credit Union has 7 locations across North Alabama to serve you. Stop by one of our branches or access one of 30,000 CO-OP ATMs nationally.

Our Locations

Locations

  • Tuscumbia

  • Russellville

  • Muscle Shoals

  • Sheffield

  • Cherokee

  • Florence

  • Killen

  • EZ Talk

National Credit Union Administration
Equal Housing Opportunity

2025 Valley Credit Union. All Rights Reserved. Federally insured by the NCUA. *All loans are subject to credit approval. Certain restrictions may apply. *APR is Annual Percentage Rate. **APY is Annual Percentage Yield.

Routing Number: 262277354

Institution NMLS ID# 409924

Facebook

© 2025 Valley Credit Union. All Rights Reserved.