--- title: "Valley Financial Credit Union Rates - Montana" description: "Current vehicle loan, personal loan, and credit card rates from Valley Financial Credit Union in Montana. Updated daily with source verification. See who can join Valley Financial Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/montana/valley-financial" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Valley Financial Credit Union Rates - Montana ### Auto & vehicle rates 4 offers | Product | Published | Rate | Term / condition | Status | | **72-Month Auto Loan** auto_any_72mo | — APR | 4.990% | 72 mo | Standard | | **60-Month RV Loan** rv_any_60mo | — APR | 5.740% | 60 mo | Standard | | **120-Month RV Loan** rv_any_120mo | — APR | 7.490% | 120 mo | Standard | | **180-Month RV Loan** rv_any_180mo | — APR | 8.240% | 180 mo | Standard | Valley Financial Credit Union auto & vehicle rates as of November 4, 2026 ### Personal loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Unsecured Personal Loan** personal_unsecured | — APR | 9.490% | — | Standard | Valley Financial Credit Union personal loan rates as of November 4, 2026 ### Credit card rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Platinum Credit Card** credit_card_platinum | — APR | 11.490% | — | Standard | | **Platinum Visa Rewards Credit Card** credit_card_rewards | — APR | 13.490% | — | Standard | Valley Financial Credit Union credit card rates as of November 4, 2026 Valley Financial Credit Union is a credit union in Montana. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/montana/valley-financial) , verified from [Valley Financial Credit Union's official website](https://www.valleyfcu.com/) Loading branch locator… ## About Valley Financial Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 38.9K Assets $593.7M Founded 1949 Locations reported 12 NCUA charter 68689 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Altana** Altana FCU 24th Street · Billings · MT · 59102-3809 About 0.5 miles away](https://rateapi.dev/credit-unions/montana/altana) [**Billings** Altana FCU · Billings · MT · 59102 About 0.8 miles away](https://rateapi.dev/credit-unions/montana/billings) [**Rimrock** Rimrock Credit Union · Billings · MT · 59102-5845 About 2.0 miles away](https://rateapi.dev/credit-unions/montana/rimrock) [**Intrepid** Billings - Shiloh · Billings · MT · 59106 About 2.3 miles away](https://rateapi.dev/credit-unions/montana/intrepid) [**Mountain America** 0168 Billings Main St · Billings · MT · 59105 About 6.0 miles away](https://rateapi.dev/credit-unions/utah/mountain-america) [**Seg** SEG Federal Credit Union · Laurel · MT · 59044-3307 About 11.8 miles away](https://rateapi.dev/credit-unions/montana/seg) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Valley Financial Credit Union Membership eligibility from Valley Financial Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Valley Financial Credit Union's website. Check the membership page below to confirm whether you qualify. - Location beaverhead, big horn, broadwater, carbon, carter, cascade, chouteau, custer, dawson, deer lodge, fallon, fergus, flathead, gallatin, garfield, golden valley, jefferson, judith basin, lewis and clark, madison, mccone, meagher, missoula, musselshell, park, petroleum, powder river, powell, prairie, richland, rosebud, silver bow, stillwater, sweet grass, treasure, wheatland, wibaux, yellowstone — MT Verified from [Valley Financial Credit Union's membership page](https://www.valleyfcu.com/about/about-valley-credit-union/join-us.html) . Final membership determination is always made by the credit union. ## Membership rules for Valley Financial Credit Union Geography 38 counties · Family 2 192 published paths to membership, last verified October 11, 2026, quoted from Valley Financial Credit Union’s own published criteria. ### Geography 38 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified October 11, 2026 - Beaverhead County, MT - Big Horn County, MT - Broadwater County, MT - Carbon County, MT - Carter County, MT - Cascade County, MT - Chouteau County, MT - Custer County, MT - Dawson County, MT - Deer Lodge County, MT - Fallon County, MT - Fergus County, MT - Flathead County, MT - Gallatin County, MT - Garfield County, MT - Golden Valley County, MT - Jefferson County, MT - Judith Basin County, MT - Lewis And Clark County, MT - Madison County, MT - Mccone County, MT - Meagher County, MT - Missoula County, MT - Musselshell County, MT - Park County, MT - Petroleum County, MT - Powder River County, MT - Powell County, MT - Prairie County, MT - Richland County, MT - Rosebud County, MT - Silver Bow County, MT - Stillwater County, MT - Sweet Grass County, MT - Treasure County, MT - Wheatland County, MT - Wibaux County, MT - Yellowstone County, MT “Valley Credit Union's field of membership includes: Persons who live, work, worship or attend school in and businesses and other legal entities located in Beaverhead, Big Horn, Broadwater, Carbon, Carter, Cascade, Chouteau, Custer, Dawson, Deer Lodge, Fallon, Fergus, Flathead, Gallatin, Garfield,…” > [source ↗](https://www.valleyfcu.com/about/about-valley-credit-union/join-us.html) Show all 38 places ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified October 11, 2026 - Family Of Deceased surviving spouse “Spouses of persons who died while within the field of membership of this credit union” > [source ↗](https://www.valleyfcu.com/about/about-valley-credit-union/join-us.html) - Family member (surviving spouse) of a deceased eligible person - Family of a member relative “When you qualify for membership your relatives* are also eligible, regardless of where they live or work. *Relatives are defined as: parents, spouse, children, grandchildren, siblings, stepparents, stepchildren, stepsiblings, and adoptive relationships.” > [source ↗](https://www.valleyfcu.com/about/about-valley-credit-union/join-us.html) - Family member (relative) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Valley Financial Credit Union? Yes No ## Work at Valley Financial Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Valley Financial Credit Union ranks against Montana peers. - See which AI assistants fetched Valley Financial Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Montana - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=valley-financial&state=montana&code=MT&name=Valley%20Financial%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Valley Financial Credit Union offer? Valley Financial Credit Union currently offers vehicle loan, personal loan, and credit card rates. The rates shown on this page were last verified November 4, 2026 directly from the credit union's official website. ### How often are Valley Financial Credit Union rates updated? RateAPI verifies Valley Financial Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 4, 2026. ### Where does RateAPI get Valley Financial Credit Union's rate data? Rate data is collected directly from Valley Financial Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Valley Financial Credit Union? Valley Financial Credit Union publishes its membership criteria on its own website. RateAPI tracks 192 published membership paths covering 38 counties for Valley Financial Credit Union, each quoted from Valley Financial Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Valley Financial Credit Union's rates against national credit-union benchmarks. [More Montana credit unions](https://rateapi.dev/credit-unions/montana) [Montana auto loan rate leaders](https://rateapi.dev/auto-loan-rates/montana) [Montana personal loan leaders](https://rateapi.dev/personal-loan-rates/montana) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.valleyfcu.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Valley Financial Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Montana credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Valley Financial Credit Union curl "https://api.rateapi.dev/credit-unions/montana /valley-financial " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Valley Financial Credit Union locations Search, filter, and browse all 12 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/montana/valley-financial Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp