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Lower Valley Credit Union

Overview
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Lower Valley Credit Union is a federally insured state credit union based in Sunnyside, Washington. It has been opened since 1958, for 62 years.

With around $147,100,000 in assets, Lower Valley Credit Union is considered to be a large credit union. It has 5 branches and 6 ATM locations.

About
Address 900 Yakima Valley Highway
Sunnyside, Washington 98944
Website http://www.lvcu.org
Phone (509) 837-5295
Fax (509) 837-6275
CEO Suzy Fonseca
President of the Board Cus Arteaga
Services Offered
Map
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Score Card
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62 years
Years in business
Opened in 1958
Undercapitalized
Net worth classification
Source: NCUA
19,435 members
Membership type: State chartered natural person credit union
Above average number of members
256:1
Credit union member to staff ratio
256 per each FTE employee
Compared to 411:1 nationally
Tons of staff!
$147,102,746
Total assets
Above average
5 branches
Compared with an average of 4 nationally and 6 in Washington
Above average number of branches
0.05%
Savings interest rate
Compared to 0.3% nationally
10.94%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches
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5 branches
Compared with an average of 4 nationally and 6 in Washington
Above average number of branches
Lower Valley Credit Union Branch Locations

Lower Valley Credit Union: Wenatchee Branch
478 2nd Street SE
East Wenatchee, Washington 98802
ATM Available
Lower Valley Credit Union: Yakima Branch
1112 E. Nob Hill Boulevard Suite 107
Yakima, Washington 98901
ATM Available
Lower Valley Credit Union: Main Office
900 Yakima Valley Highway
Sunnyside, Washington 98944
ATM Available
Lower Valley Credit Union: Grandview Branch
1019 W. Wine Country Road
Grandview, Washington 98930
ATM Available
Lower Valley Credit Union: Prosser Branch
580 Wine Country Road
Prosser, Washington 99350
ATM Available
Members
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19,435 members
Membership type: State chartered natural person credit union
Above average number of members

With 19,435 members, the Lower Valley Credit Union is considered to be a very large credit union. It is among the largest of credit unions and is larger than 81% of credit unions.

Fees
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$84
Average fee per member
The average fee per member at the Lower Valley Credit Union is $84, which is high compared to most credit unions. This rate is higher than 76% of all credit unions.
Fees are higher than average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Lower Valley Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
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256:1
Credit union member to staff ratio
256 per each FTE employee
Compared to 411:1 nationally
Tons of staff!
76 staff members
FTE (full-time equivalent)
3% of employees are part-time
75 full-time, 2 part-time

Lower Valley Credit Union has 75 full-time staff members and 2 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 97% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Lower Valley Credit Union has around 256 members per staff, a very low ratio compared to other credit unions. This is a very well staffed credit union.

Assets
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$147,102,746
Total assets
Above average
Net worth
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Undercapitalized
Net worth classification
Source: NCUA
An undercapitalized credit union has a net worth ratio between 4% and 6% or fails to meet applicable risk-based net worth requirements, according to the National Credit Union Administration.
5.7%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases
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$13,328
Average loan and lease size
Loan & lease sizes are bigger than average. They are bigger than at 72% of credit unions.

Lower Valley Credit Union holds a total of $124,070,000 in loans and leases, which is about $13,328 per member on average.

Savings interest rate
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0.05%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Lower Valley Credit Union pays 0.05%.

Loan rates
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10.94%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
11.74%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
7.02%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
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8.13%
New car loan rate
Compared to 4.0% nationally
9.89%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates
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7.50%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
4.99%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally
5.84%
Other real estate loan rates
Compared to 0.9% nationally