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ATTENTION MEMBERS:

Please be advised that due to a required migration update your Valley 1st Debit & Credit cards will be UNAVAILABLE for your use on August 16, 2017 from 8:00am until 11:00am. We apologize for any inconvenience this may cause you. Please make note of this IMPORTANT date & time. Thank you.

THE AUGUST 16TH DEBIT CARD MIGRATION UPDATE HAS BEEN POSTPONED. VALLEY 1ST WILL NOTIFY ALL MEMBERS WITH AN UPDATED MIGRATION DATE SOON.

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 10:00 - 7:00
Saturday 8:00 - 1:00

Valley 1st Will be Closed on the following Days:

    New Years Day (Observed): January 2, 2017
    Martin Luther King, Jr. Day: January 16, 2017
    Presidents Day: February 20, 2017
    Good Friday: April 14, 2017 (Close at noon)
    Memorial Day: May 29, 2017
    Independence Day: July 4, 2017
    Labor Day: September 4, 2017
    Columbus Day: October 9, 2017
    Veterans Day (Observed): November 10, 2017 (Branch Closed November 11, 2017)
    Thanksgiving Day: November 23, 2017
    Christmas Day: December 25, 2017
    New Years Day 2018: Monday, January 1
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 .41%
Escrow .16%
Account Type Term Dividend Rate/Annual Percentage Yield
Rates are effective as of 02/01/2017 and are subject to change without notification
Regular Share Certificate 6 Months
1 Year
2 Year
3 Year
5 Year
.50%
.70%
1.0%
1.3%
1.80%
IRA Share Certificate 1 Year
2 Year
3 Year
5 Year
.70%
1.0%
1.3%
1.80%
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 2017 OR 2016 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 9/12/16 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% 8.99%
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 2016 OR 2015
UP TO 5,000 Miles
100% Value 2.75%
3.00%
3.25%
3.50%
36 Months
48 Months
60 Months
72 Months
USED 2010-2016 Effective 09/12/16
2016 100% Value 4.00% 0-36 Months
2016 100% Value 4.25% 37-60 Months
2015 100% Value 4.25% 0-36 Months
2015 100% Value 4.50% 37-60 Months
2014 100% Value 4.50% 0-48 Months
2012 - 2013 95% Value 4.75% 0-48 Months
2010 - 2011 95% Value 4.75% 0-48 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 09/01/16
New Models 2017 90% FMV 8.00%
9.00%
10.50%
36 Months
48 Months
60 Months
Used Boats 2010-2016 90% FMV
Any Term
9.00%
10.00%
11.00%
36 Months
48 Months
60 Months
Motorcycles Effective 09/12/16
New - 2017 90% Value 6.00% 0-60 Months
2015 - 2016 85% Value 6.25% 0-48 Months
2012 - 2014 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)
$80,000
$80,000
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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