Valley 1st Services
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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: January 1, 2018
    Martin Luther King, Jr. Day: January 15, 2018
    Presidents Day: February 19, 2018
    Good Friday: March 30, 2018 8:30-Noon
    Memorial Day: May 28, 2018
    Independence Day: July 4, 2018
    Labor Day: September 3, 2018
    Columbus Day: October 8, 2018
    Veterans Day: Observed Monday, November 12, 2018
    Thanksgiving Day: November 22, 2018
    Christmas Eve: December 24, 2018 (Close at noon)
    Christmas Day: December 25, 2018
    New Years Eve: Monday, December 31, 2018 (Close at 3:00pm)
    New Years Day 2019: Tuesday, January 1
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 .55%
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%
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 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 09/01/2018 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 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 09/01/2018
2018 100% Value 4.0% 0-36 Months
2018 100% Value 4.25% 37-60 Months
2017 100% Value 4.25% 0-36 Months
2017 100% Value 4.50% 37-60 Months
2016 100% Value 4.50% 0-48 Months
2014-2015 95% Value 4.75% 0-48 Months
2012 - 2013 95% Value 4.75% 0-48 Months
Campers/ Recreational Effective 09/09/2012
NEW 70% Value 8.00% 0-60 Months
USED 70% Value 9.00% 0-60 Months
Boat Loans Effective 09/01/2018
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 09/01/2018
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
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 02/01/2013 and are subject to change without notification
Money Markets 5,000-24,999
25,000-99,999
100,000 and up
.50%
.65%
.85%

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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