An update regarding Coronavirus (COVID-19). Learn more
Equal Housing Lender
Virtual Branch Online Banking
x

ATTENTION MEMBERS:

Our auditing firm, H2R, CPAs, is assisting our Supervisory Committee in performing an account verification. Please review the accuracy of your account balance(s) on your March 2020 statement. If you agree with your account balance(s) on your statement, no reply is necessary. If you discover a discrepancy, please contact H2R, CPAs, directly at 724-683-3400 or in writing at 525 Third Street, Beaver, PA 15009.

It is possible that you may be selected to receive a letter from H2R, CPAs, asking you to confirm account information and reply directly to them. Any correspondence you receive from H2R, CPAs, has been authorized by Valley 1 st Community Federal Credit Union. Your personal information is protected by Valley 1 st Community Federal Credit Union and H2R, CPAs, and will remain confidential.

Please do not send payments, deposits, or other correspondence H2R, CPAs.

Account verifications are required by the National Credit Union Administration, (NCUA). The NCUA is the independent federal agency that regulates, charters, and supervises federal credit unions, including Valley 1 st Community Federal Credit Union.

Thank you for your cooperation and your continued support of Valley 1 st Community FCU.

2020 High School Graduate Scholarship Application Form

Welcome

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 9:00 - 6:00
Saturday 9:00 - 1:00

Valley 1st Will be Closed on the following Days:

    New Years Day: January 1, 2020
    Martin Luther King Jr. Day: Monday, January 20, 2020
    Presidents Day: Monday, February 17, 2020
    Good Friday: Friday, April 10, 2020 (Close at Noon)
    Memorial Day: Monday, May 25, 2020
    Independence Day: (Branch Location Closed) Saturday, July 4, 2020
    Labor Day: Monday, September 7, 2020
    Columbus Day: Monday, October 12, 2020
    Veterans Day: Wednesday, November 11, 2020
    Thanksgiving Day: Thursday, November 26, 2020
    Christmas Eve: Thursday, December 24, 2020 (Close at Noon)
    Christmas Day: Friday, December 25, 2020
    New Years Eve: Thursday, December 31, 2020 (Main Office Closes at 3pm and Branch Location at 5pm)
    New Years Day: Friday, January 1, 2021
Valley 1st Community Federal Credit Union
Account Type Annual Percentage Rate Annual Percentage Yield
Rates are effective as of 7/01/2020 and are subject to change without notification
Regular Savings .05% .05%
Christmas Club .05% .05%
Share Drafts .0% .0%
IRA Regular Savings .25% .26%
Escrow .05% .05%
Account Type Term Dividend Rate/Annual Percentage Yield
Rates are effective as of 06/15/2020 and are subject to change without notification
Regular Share Certificate 6 Months
1 Year
2 Year
3 Year
4 Year
5 Year
.50%
.60%
.70%
.80%
.90%
1.00%
IRA Share Certificate 1 Year
2 Year
3 Year
4 Year
5 Year
.60%
.80%
.70%
.90%
1.00%
Shared Secured Loan
2.05%
Types of Loan Collateral Amount Annual Percentage Rate Repayment Terms
Rates are effective as of 10/01/2012 and are subject to change without notification
Unsecured Loans-Signature 5,000.00 10.75% 1-48 Months
Share Loans (Equal to Share Balance) No Max 2.15% 1-60 Months
Certificate of Deposit (Pledged to Face Amount) 3.00% (Above Face Rate) (To Maturity)
NEW 2019-2020 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 9/1/2019 and are subject to change without notification
730+ A+ 2.50% 2.75% 3.00% 3.25%
680-729 A 2.75% 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% 9.5% 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 2020 OR 2019
UP TO 5,000 Miles
100% Value 2.75%
3.00%
3.25%
3.50%
36 Months
48 Months
60 Months
72 Months
USED 2013-2019 Effective 09/1/2019
2019 100% Value 3.75% 0-36 Months
2019 100% Value 4.0% 37-60 Months
2018 100% Value 4.0% 0-36 Months
2018 100% Value 4.25% 37-60 Months
2017 100% Value 4.25% 0-48 Months
2015 - 2016 95% Value 4.50% 0-48 Months
2013 - 2014 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 09/01/19
New Models 2018 90% FMV 8.00%
9.00%
10.50%
36 Months
48 Months
60 Months
Used Boats 2011-2017 90% FMV
Any Term
9.00%
10.00%
11.00%
36 Months
48 Months
60 Months
Motorcycles Effective 09/1/2019
New - 2020 90% Value 6.00% 0-60 Months
2018 - 2019 85% Value 6.25% 0-48 Months
2015 - 2017 80% Value 7.00% 0-36 Months
Types of Loan Collateral Amount Annual Percentage Rate Repayment Terms
Rates are effective as of 03/17/2020 and are subject to change without notification
Mortgage Lien Loans
(Home Equity - 20% Equity Required)
$80,000
$80,000
4.005%
4.50%
1-5 Years
6-12 Years
First Mortgage Lien Loans
85% Appraised Value Fixed Rate
$275,000
$275,000
3.25%
3.75%
Up to 15 year
No points
16 - 25 year
No Points
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 07/01/2020 and are subject to change without notification
Money Markets 5,000-24,999
25,000-99,999
100,000 and up
.20%
.30%
.40%

Lost or stolen Visa Debit Card? Please call 1-800-991-4965.

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


Enterprise Car Sales
Get Pre-Approval Today!
Student Choice
Member Auto Center
Owners Choice Funding
Member Cellular Discounts with Sprint
Adobe Acrobat
Reorder Personal Checks
Weather Underground Weather Reports

V1st Footer
  • ©, Valley 1st Community Federal
    Credit Union. All rights reserved.
  • Equal Housing Lender Equal Housing Lender
  • National Credit Union Administration Federally Insured by NCUANational Credit Union Administration