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:

    Monday, January 19, 2015: Martin Luther King Jr. Day
    Monday, February 16, 2015: Presidents Day
    Friday, April 3, 2015: Good Friday, Close at noon
    Monday, May 25, 2015: Memorial Day
    Monday, September 7, 2015: Labor Day
    Monday, October 12, 2015: Columbus Day
    Wednesday, November 11, 2015: Veterans Day
    Thursday, November 26, 2015: Thanksgiving Day
    Thursday, December 24, 2015: Christmas Eve, Close at noon. Branch to close at 2:00p.m.
    Friday, December 25, 2015: Christmas Day
    Thursday, December 31, 2015: New Years Eve, Close at 3:00p.m. Branch to close at 5:00p.m.
    Friday, January 1, 2016: New Years Day
Rate Table Current Rates

Account Type Annual Percentage Yield
Rates are effective as of 04/01/2013 and are subject to change without notification
Regular Savings .16%
Christmas Club .16%
Share Drafts .10%
IRA Regular Savings .40%
Escrow .16%
Account Type Term Dividend Rate/Annual Percentage Yield
Rates are effective as of 01/10/2013 and are subject to change without notification
Regular Share Certificate 6 Months
1 Year
2 Year
3 Year
5 Year
.31%
.41%
.61%
.86%
1.52%
IRA Share Certificate 1 Year
2 Year
3 Year
5 Year
.41%
.61%
.86%
1.52%
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 11.00% 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 2016 OR 2015 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 9/01/15 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 2014 OR 2013 UP TO 5,000 Miles 100% Value 2.75%
3.00%
3.25%
3.50%
36 Months
48 Months
60 Months
72 Months
USED 2008-2013 Effective 09/09/13
2013 100% Value 4.00% 0-36 Months
2013 100% Value 4.25% 37-60 Months
2012 100% Value 4.25% 0-36 Months
2012 100% Value 4.50% 37-60 Months
2011 100% Value 4.50% 48 Months
2009 - 2010 95% Value 4.75% 48 Months
2008 - 2008 95% Value 4.75% 48 Months
Campers/ Recreational Effective 09/09/12
NEW 70% Value 8.00% 0-60 Months
USED 70% Value 9.00% 0-60 Months
Boat Loans Effective 09/09/12
New Models 2014 90% FMV 8.00%
9.00%
10.50%
36 Months
48 Months
60 Months
Used Boats 2008-2013 90% FMV
Any Term
9.00% 10.00%
11.00%
36 Months
48 Months
60 Months
Motorcycles Effective 09/02/12
New - 2014 90% Value 6.00% 0-60 Months
2012 - 2003 85% Value 6.25% 0-48 Months
80% Value 7.00% 0-36 Months
Types of Loan Collateral Amount Annual Percentage Rate Repayment Terms
Rates are effective as of 02/01/2012 and are subject to change without notification
Mortgage Lien Loans
(Home Equity - 20% Equity Required)
$40,000
$40,000
4.50%
5.00%
1-5 Years
6-12 Years
First Mortgage Lien Loans
85% Appraised Value Fixed Rate
$275,000
$275,000
4.00%
4.50%
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 04/01/2013 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 1-800-991-4961.

Lost or stolen Visa Credit Card? Please call 1-800-433-0505.

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