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

Auto Loan Special - For a Limited Time

Rate as low as 4.99% APR* for 60 months; 5.25% APR* for 72-84 months Stop by your local branch today! 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.