Join Valley Credit Union

Loan FAQs


How can I get pre-approved?

Give us a call at (406)656-9100, apply online, or stop by one of our branches and our Loan Officers would be more than happy to help!

Can Valley help build or restore my credit?

Whether your credit is lacking or less than favorable, our loan officers have options for you. Please give us a call, stop by one of our branches, or apply online here.

How can I make a loan payment?

Visit this page to look over all the options you have to make your loan payment. 

Visa® Credit Card - How can I make a payment?

You can make your payment over the phone via debit card or checking account, stop by a branch, pay online through our credit card login*, or you can always mail your payments to us at: PO Box 20417 Billings, MT 59104. Note* this login is different from online banking credentials.

Mortgage - What do I need to apply?

  • 2 years taxes and W-2 (all pages, including all schedules if applicable)
  • 2 months of bank statements
  • 30 days of payroll stubs
  • Mortgage statement(s)
  • Homeowner insurance information
  • Copy of Property Tax Statement
  • Copy of IDs
  • Copy of Buy/Sell Agreement if applicable

Mortgage - What types of mortgages do you offer?

  • 1st Time Home Buyers Program
  • Conventional Loans
  • FHA Loans
  • VA Loans
  • USDA Rural Development Loans

Mortgage - Do you have any resources available for someone interested in purchasing a house?

Mortgage - Can I withdraw money from my escrow account?

No, an escrow is an account to hold reserves for payment on taxes and insurance. A portion of your monthly mortgage payment is put into the escrow and when your taxes or insurance are due, we will pay them out of that account. However, once your mortgage is paid off, we will release any remaining funds to you.


Account FAQs


What is Valley's routing number?

Valley Credit Union's routing number is 292976861.

What are Valley's requirements for membership?

To become a member, you must live, work, worship, do business, attend school in one of our counties, or be a relative of someone that qualifies for membership.

How often do I get my statements?

If you only have a savings account or loan, you will receive your statements quarterly. If you have an active checking account or HELOC, you will receive statements monthly.

Where can I find a fee free ATM?

You can use any one of our Valley ATMs located at most branches, or find a surcharge free atm here

What do I need to open an account?

  • Valid government issued photo ID such as a driver license, state issued ID, or passport.
  • Proof of address, if different from the one listed on your ID
  • Social Security number
  • Opening Deposit (all members must open a membership savings with us with a minimum of $25, please see our accounts for information on additional accounts)

How can I make a deposit if I am away from a branch?

  • Mobile Deposit
  • External Transfer (via online banking)
  • Mail in check to Po Box 20417 Billings, MT 59104

Do you offer safe deposit boxes?

Yes, we offer a variety of safe deposit boxes for the safe storage of your valuables. Contact us for available sizes and cost information.

How are my savings insured?

Your savings federally insured by the NCUA. The standard share insurance amount is $250,000 per share owner, per insured credit union, for each account ownership category.


Card FAQs


My debit/credit card is lost or stolen, how do I report this?

Visit this page for a list of phone number to call depending on your situation.

I am going to be traveling, do I need to let you know?

Yes, to ensure that there are no interruptions in service, please tell us where you will be traveling by giving us a call at (406)656-9100.

How do I update my address?

You can give us a call at (406)656-9100, send us a signed written notice, or update your address in online/mobile banking under your settings.


Online & Mobile FAQs


How do I enroll in paperless statements?

Valley encourages paperless statements for members! To enroll, simply login to your online banking and click on “Additional Services” at the top of the page, then click on E-Statements.

Can I login with my fingerprint?

Yes, to enable simply go into your settings on your mobile app.