VALLEY is an NCUA-insured credit union located in Salem, OR. New auto loan rates from 7.00% APR. Google rating: 4.6 out of 5 from 148 reviews.

Valley

PO Box 12903, Salem, OR 97309

NCUA Insured4.6 (148 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1957

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Salem, OR may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

2 charter

Established in 1957

Low-Income Designated

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

PO Box 12903

Salem, OR 97309

Google Maps 🗺Waze

(503) 364-7999

Service Area

This credit union is located in Salem and serves members in the OR area. Currently serving 6,114 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q1 2026 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Why this matters

These metrics show how well the credit union manages money and risk. A financially healthy credit union is more stable and better positioned to offer competitive rates to members.

Source: NCUA Federally Insured Credit Unions list, Q1 2026.

Loan Rates

Rates sourced from NCUA call report data (Q1 2026). Contact the credit union for current rates and terms.

New Auto Loan

7.00%

Used Auto Loan

9.22%

Personal Loan

13.89%

Credit Card APR

13.50%

Important: Rates are sourced from NCUA call report filings (Q1 2026) and reflect weighted averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in OR

Lowest rates currently reported by credit unions in OR (NCUA Q1 2026).

South Coast Ilwu— New Auto Loan

North Bend, OR

3.85%

South Coast Ilwu— Used Auto Loan

North Bend, OR

3.85%

Pacific Cascade— Personal Loan

Eugene, OR

5.39%

Ibew & United Workers— Credit Card APR

Portland, OR

8.55%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(3 total)

Compare Rates in Salem

See how VALLEY stacks up against other credit unions nearby — sorted by lowest APR.

Best Car Loan Rates in Salem →Best Personal Loan Rates in Salem →Best Credit Card Rates in Salem →All Credit Unions in Salem →

Member Reviews

4.6

148 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

J. C.

4 months ago

Great credit union. Friendly staff like Verenice got my new account up and running in no time. Thanks Valley CU!

Missy

6 months ago

This credit union is by far the best bank I have ever done business with. They are extremely kind, understanding, compassionate, and are always willing to work with you. I have been with VCU for many years, and finance everything through them. I encourage you to give this bank a try if you are not a current member. They are awesome!

Brian Platz

5 months ago

I believe in the Credit Union movement; in the processing of switching accounts away from bank and to Valley CU. Really great service and it’s nice you walk in and they all know yea; like Cheers

Justin Chaparro

3 years ago

About a year ago I decided to refinance my truck through Valley CU and after having such a great experience, I went back to them to help finance a travel trailer and then most recently a motorcycle. Chad and co. have been amazing to work with each time. I only wish they did mortgages too!

Tina Wolford

9 months ago

Just purchased a car and it was the easiest transaction ever ... when my own credit union wouldn't approve it valley did .. so I will be moving all my accounts from OnPoint credit union to valley .