Valley 1st Services
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We are a non-profit, member-owned, financial institution that serves anyone who lives, works or worships in the communities of Rostraver Township, Donora, Monessen, Sewickley Township, East Huntingdon Township, South Huntingdon Township, Sutersville, Smithton, Madison, West Newton, Mt. Pleasant or Scottdale and their families. Because we are non-profit, and member-owned, money made in excess of expenses is returned to the membership through competitive loan rates and savings dividends.

The credit union is federally chartered, regulated, and insured by the National Credit Union Administration (NCUA), an agency of the U.S. government. Member accounts are insured in an aggregate of $250,000. Member Individual Retirement Accounts (IRA's) are insured separately to an additional $250,000. The NCUA is one of the strongest federal insurance funds and issues strict operating guidelines for the credit unions that it regulates.


Locations


Monessen
815 Schoonmaker Ave
Phone: 724-684-8875
Fax: 724-684-4133
Monday - Friday 8:30 - 4:30
Rostraver
100 Sara Way Inside Wal-Mart
Phone: 724-929-6002
Fax: 724-929-6005
Monday - Friday 10:00 - 7:00
Saturday 8:00 - 1:00

Valley 1st Will be Closed on the following Days:

    New Years Day: January 1, 2018
    Martin Luther King Jr. Day: Monday, January 21, 2019
    Presidents Day: Monday, February 18, 2019
    Good Friday: Friday, April 19, 2019 (Close at Noon)
    Memorial Day: Monday, May 27, 2019
    Independence Day: Thursday, July 4, 2019
    Labor Day: Monday, September 2, 2019
    Columbus Day: Monday, October 14, 2019
    Veterans Day: Monday, November 11, 2019
    Thanksgiving Day: Thursday, November 28, 2019
    Christmas Eve: Tuesday, December 24, 2019 (Close at Noon)
    Christmas Day: Wednesday, December 25, 2019
    New Years Eve: Tuesday, December 31, 2019 (Main Office Closes at 3pm and Branch Location at 5pm)
    New Years Day: Wednesday, January 1, 2020
Rate Table Current Rates

Account Type Annual Percentage Yield
Rates are effective as of 10/15/2018 and are subject to change without notification
Regular Savings .15%
Christmas Club .15%
Share Drafts .10%
IRA Regular Savings .65%
Escrow .15%
Account Type Term Dividend Rate/Annual Percentage Yield
Rates are effective as of 4/1/2018 and are subject to change without notification
Regular Share Certificate 6 Months
1 Year
2 Year
3 Year
5 Year
1.50%
1.75%
2.25%
2.40%
2.75%
IRA Share Certificate 1 Year
2 Year
3 Year
5 Year
1.75%
2.25%
2.40%
2.75%
Shared Secured Loan
2.15%
Credit Score Credit Tier Rate
730+ A+ 10.75%
729 - 680 A 11.00%
679 - 640 B 12.00%
639 - 600 C 13.50%
599 - 550 D 15.50%
549 - E 17.50%
Types of Loan Collateral Amount Annual Percentage Rate Repayment Terms
Rates are effective as of 5/01/2019 and are subject to change without notification
Share Loans (Equal to Share Balance) No Max 2.% 1-60 Months
Certificate of Deposit (Pledged to Face Amount) 3.00% (Above Face Rate) (To Maturity)
NEW 2019 OR 2018 up to 5,000 miles
All Rates Are Advertised as APR
Score Tier Up to 36 Mos 48 Mos 60 Mos 72 Mos
Rates are effective as of 12/01/2018 and are subject to change without notification
730+ A+ 2.50% 2.75% 3.00% 3.25%
680-729 A 2.755% 3.00 3.25% 3.50%
640-679 B 3.25% 3.50% 3.75% 4.00%
600-639 C 7.25% 7.50% 7.75% 8.00%
550-599 D 9.25% 9.50% 9.75% 10.00%
<549 E 11.25% 11.50% 11.75% 12.00%
Types of Loan Collateral Amount Annual Percentage Rate Repayment Terms
NEW 2019 OR 2018
UP TO 5,000 Miles
100% Value 2.75%
3.00%
3.25%
3.50%
36 Months
48 Months
60 Months
72 Months
USED 2012-2018 Effective 05/01/2019
2018 100% Value 3.75% 0-36 Months
2018 100% Value 4.00% 37-60 Months
2017 100% Value 4.00% 0-36 Months
2017 100% Value 4.25% 37-60 Months
2016 100% Value 4.25% 0-48 Months
2014-2015 95% Value 4.50% 0-48 Months
2012 - 2013 95% Value 4.50% 0-48 Months
Campers/ Recreational Effective 5/01/2019
NEW 70% Value 8.00% 0-60 Months
USED 70% Value 9.00% 0-60 Months
Boat Loans Effective 5/01/2019
New Models 2019 90% FMV 8.00%
9.00%
10.50%
36 Months
48 Months
60 Months
Used Boats 2012-2018 90% FMV
Any Term
9.00%
10.00%
11.00%
36 Months
48 Months
60 Months
Motorcycles Effective 5/01/2019
New - 2019 90% Value 6.00% 0-60 Months
2017 - 2018 85% Value 6.25% 0-48 Months
2014 - 2017 80% Value 7.00% 0-36 Months
Tri Axels Effective 5/01/2019
New Tri Axels 60% Value 8.50% 0-60 Months
Used Tri Axels 60% Value 9.25% Used Auto Term
Types of Loan Collateral Amount Annual Percentage Rate Repayment Terms
Rates are effective as of 5/01/2019 and are subject to change without notification
First Mortgage Lien Loans
85% Appraised Value Fixed Rate
$275,000
$275,000
4.00%
4.50%
Up to 15 years
No points
16 - 25 year
No Points
Second Mortgage Lien Loans
80% Appraised Value Fixed Rate
$80,000
$80,000
4.50%
5.00%
Up to 5 years
No points
6 - 12 year
Variable Rate
(1 Year Adj. #5 max., 5% over term)
$275,000 5.00% 25 Years
No points

Amounts Annual Percentage Yield
Rates are effective as of 02/01/2013 and are subject to change without notification
Money Markets 5,000-24,999
25,000-99,999
100,000 and up
.75%
.90%
1.15%

Lost or stolen Visa Debit Card? Please call 1-800-991-4961.

Lost or stolen Visa Credit Card? Please call 1-800-325-3678.

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