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Manage your checking, savings, and money market accounts here.

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Credit Card, Auto and Personal Loan Management

Make payments and view account activity on your existing credit card and auto or personal loans.

Mortgage and HELOC Management

Make payments and view account activity on your existing home loans.

Investment Account

Review your portfolio, make informed decisions, and ensure your financial future is on track.

Locations
ATMs

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Open a New Account

Establish your Membership to access all that Valley Strong has to offer.

Schedule an Appointment

Save time and avoid the line by scheduling an appointment at your nearest location.

Learning Center

Find articles and content to enhance your financial knowledge and bank smarter.

Refer A Member

Earn Up To $500

Enjoy the rewards of Membership by sharing your referral code with friends and family.

Existing Members

Open Additional Checking and Saving Accounts

Easily add accounts through our online application portal.

Apply for Credit Card, Auto and Personal Loans

Get quick access to loans through our online application portal.

Start a Home Loan or HELOC

Apply for home loans and get quick and accurate approvals.

Start Investing

Access our wide portfolio of Retirement & Wealth Management products.

Search

Personal
Business

Personal

Life Stage Banking
- Discover Life Stage Banking
  - Starting Young
    
    Bank on good financial habits with the tools they need to grow.
  - New to the Workforce
    
    Set up your finances so you can navigate your career journey confidently.
- - New Family
    
    Build a strong foundation for your family's financial well-being.
  - Property Management
    
    Achieve your homeownership dreams and manage your properties
- - Retirement
    
    Secure your golden years with thoughtful retirement planning and investment.
  - Re/Building Credit
    
    Start your credit journey or get back on track with our support.
- Meet A Valley Strong Representative
  
  Have a question? Schedule an appointment with us!
  Additional Links
Checking & Savings
- Checking
  - CentsAble Checking
    
    An easy-to-use checking account with no monthly service fee.
  - Makes Cents Checking
    
    Our premium checking account that rewards you for everyday spending.
- Savings
  - Regular Shares
    
    Just $5 gets you started with a shares savings account.
  - Regular Club
    
    Save up for any occasion while earning dividends.
  - Money Market
    
    Earn more on your savings while maintaining access to your cash.
  - Share Certificate
    
    Watch your savings grow with a guaranteed rate of return.
- Youth
  - Rocky Raccoon Savings
    
    Introduce the concept of saving with our youth account for younger kids.
  - Grow Strong Youth Accounts
    
    Teens learn valuable money management skills while gaining financial independence.
  - Greenlight
    
    Teach your kids to spend wisely with Greenlight.
- Anytime digital banking
  
  We get directions, make appointments and shop on our phone. Why shouldn't we also bank on the go?
  Additional Links
  - Digital Banking
  - Refer A Member
- Refer A Member: Earn Up To $2,500
Credit Cards
- Find Your Credit Card
  - Rewards Credit Cards
    
    Earn points or cash back on your everyday purchases.
- - Secured Credit Cards
    
    Establish or improve your credit history.
- - Monitor Your Credit Score
    
    Log into online banking or mobile banking to track your credit score, monitor your credit report, and get the best loan rates from Valley Strong!
- The value of your credit score
  
  Having a solid credit score is key to access lower interst rates and better terms on mortgages, credit cards, auto loans and more.
  Additional Links
  - Credit Score Monitoring
Home Loans
- Home Loans
  - Fixed Rate Mortgages
    
    Ideal for those who plan ahead, a fixed-rate mortgage locks in your monthly payment.
  - Adjustable Rate Loans
    
    Bank on your future with a 5/5 Adjustable Rate Mortgage (ARM) Loan.
  - Construction, Investment & Lot Loans
    
    Are you ready to build your dream home? Find out how we can help.
- Home Equity
  - Home Equity Line of Credit
    
    Unexpected expenses? Borrow against your home equity with a home equity line of credit.
- Home Buyer Advisors
  - Find a Loan Officer
    
    Whether you are buying, building, or refinancing, it's important to have an experienced mortage loan officer by your side.
- Tap into your home equity with a HELOC
  
  A Home Equity Line of Credit (HELOC) can be a powerful financial tool for homeowners. Learn to tap into your home equity.
  Additional Links
  - Make A Payment
  - Mortgage Assistance
Auto & Personal Loans
- Auto Loans
  - Auto Loans
    
    New and used vehicle loans that help put you in the driver's seat.
  - RV & Specialty Vehicle Loans
    
    Find a loan for your next RV, ATV, Trailer or Boat
- Personal Loans
  - Personal Loan
    
    Get the funds you need with flexible repayment options.
  - Personal Plus
    
    Available to homeowners with no collateral required.
  - Share Secured Loan
    
    Borrow funds using your savings account or share certificate as collateral.
- - School Employee Loans
    
    Purchase the classroom tools you need to make teaching a success.
- Get That Dream Loan With Your Dream Car
  
  If you're in the market for a car right now, you're hardly alone. Take advantage of competitive auto loans and refinancing options.
  Additional Links
  - Credit Score Monitoring
  - Auto Finder
Investing
- Retirement Planning
  - Retirement
    
    Whether you’re planning for a comfortable retirement or looking to maximize your savings, our tailored solutions are here to help.
- - IRA Accounts
    
    Choose from Traditional, Roth, or Coverdell Educational Savings Account (ESA) Certificates, each designed to enhance your savings with powerful features.
- - Meet our Wealth Management Team
    
    Contact a Retirement & Wealth Management professional to start planning your future.
- Maximize Your Retirement
  
  Are you looking to maximize your retirement savings? Meet with one of our advisors today!
  Additional Links
  - Login to Wealth Management Account
  - Retirement Score - Powered by Silvur
Resources
- Discover Member Resources
  - Anytime Digital Banking
    
    Manage your accounts and streamline your finances with powerful online banking tools.
  - Help Center
    
    Explore our comprehensive Help Center for quick answers, detailed guides, and personalized assistance.
- - Member Benefits
    
    Learn about exclusive benefits and discounts you get just for being a Member.
  - Who We Are
    
    See what makes Valley Strong your life-long financial partner.
- - Financial Literacy
    
    Explore our educational courses, gain insight into credit score fundamentals, and engage in interactive workshops and presentations.
  - Workshops & Events
    
    Find and attend a free informational session or event.
- Meet A Valley Strong Representative
  
  Have a question? Schedule an appointment with us!
  Additional Links

Business

Growth Solutions
- Discover Growth Solutions
  - Small Business & Startups
    
    Fuel your business dreams with financial support and personalized guidance.
- - Mid-Size Business
    
    Elevate your business to new heights with strategic financial solutions.
- - Large Business
    
    Empower your large business with comprehensive solutions and financing options.
- Meet A Business Representative
  
  Meet our dedicated Business Banking team to talk through any business needs you may have.
  Additional Links
  - Schedule An Appointment
  - See Current Offers
Checking & Savings
- Business Checking
  - Business Basic Checking
    
    A simple business checking account to help meet your everyday banking needs.
  - Business Checking Plus
    
    A business checking account for midsized businesses with greater deposit needs.
  - Business Analysis Checking
    
    A business checking account designed for businesses that need complex banking solutions.
  - Community Non-Profit
    
    A checking account for your community organization or non-profit.
- Business Savings
  - Business Savings
    
    Safeguard your business savings with an account that has no monthly service fee.
  - Business Money Market
    
    Put your business savings to work while maintaining access to your funds.
  - Business Savings Certificate
    
    Earn higher-yielding interest with a term business share certificate.
- Business Specialty
  - Business Escrow Club
    
    A safe and secure way to hold and transfer funds between parties.
  - IOLTA Business Checking
    
    The Right Account for Legal Professionals.
  - Public Business Money Market
    
    Designed specifically for municipalities and other public organizations.
- Meet A Business Representative
  
  Meet our dedicated Business Banking team to talk through any business needs you may have.
  Additional Links
  - Schedule An Appointment
  - See Current Offers
- Refer A Member: Earn Up To $2,500
Credit Cards
- Business Credit Cards
  - Business Rewards Card
    
    Earn points on everyday business expenses.
- - Business Cash Back Cards
    
    Get more out of your business credit card with cash back on your purchases.
- Dedicated Business Support
  - Contact Our Business Team
    
    Connect with our experienced professionals and get the personalized service your business needs.
- Business Insights with Intergrated Credit Card Management
  
  Credit Card Management and spend tracking with Valley Strong Online Banking.
  Additional Links
  - Credit Score Monitoring
Business Loans
- Business Flexibility Loans
  - Business Lines of Credit
    
    Get access to funds to use when you need it.
  - Equipment & Machinery Financing
    
    Purchase the tools your business needs to be successful.
  - SBA Loan
    
    Empowering small businesses with flexible, growth-focused SBA financing.
- Business Expansion Loans
  - Term Business Loan
    
    A fixed-rate term loan, for clear and stable business investment
  - Business Acquisition Loan
    
    A customizeable option to help you expand your business operations.
  - Commercial Real Estate Financing
    
    Elevate your real estate portfolio with dedicated financing support.
- Dedicated Business Support
  - Contact Our Business Team
    
    Connect with our experienced professionals and get the personalized service your business needs.
- Understand Valley Strong Business Loans
  
  Our diverse business loans can fuel your company's expansion and innovation, tailored for every stage of your business journey.
  Additional Links
  - See Current Offers
Treasury Management
- Treasury Management
  - Treasury Management Solutions
    
    Simplify your daily financial operations with a range of cash management products and services.
- - Autobooks
    
    Add full financial management functionality to your business account.
- - Commercial Cash Vault
    
    Efficiently manage your cash-intensive operations to save time and money.
- Meet A Valley Strong Representative
  
  Explore how Valley Strong can streamline operations, enhance efficiency, and safeguard your business's financial health.
  Additional Links
  - Schedule An Appointment
  - See Current Offers
Resources
- Discover Member Resources
  - Anytime Digital Banking
    
    Manage your Valley Strong services and streamline your finances with our powerful online banking platform.
  - Help Center
    
    Browse our help center to get answers to any product questions and requests for information.
- - Member Benefits
    
    Gain access to exclusive benefits and discounts for amusement parks, tax, legal and insurance services.
  - Who We Are
    
    Learn about what makes us Valley Strong. Check out resources like our impact and annual reports and view career opportunities with our team.
- - Learning Center
    
    Increase your knowledge with our Financial Literacy Center, workshops, blog and newsletters.
  - Workshops & Events
    
    Find and attend a free informational session or event.
- Anytime digital banking
  
  We get directions, make appointments and shop on our phone. Why shouldn't we also bank on the go?
  Additional Links

Locations
ATMs

Get Started

Open a New Account

Establish your Membership to access all that Valley Strong has to offer.

Schedule an Appointment

Save time and avoid the line by scheduling an appointment at your nearest location.

Learning Center

Find articles and content to enhance your financial knowledge and bank smarter.

Refer A Member

Earn Up To $500

Enjoy the rewards of Membership by sharing your referral code with friends and family.

Existing Members

Open Additional Checking and Saving Accounts

Easily add accounts through our online application portal.

Apply for Credit Card, Auto and Personal Loans

Get quick access to loans through our online application portal.

Start a Home Loan or HELOC

Apply for home loans and get quick and accurate approvals.

Start Investing

Access our wide portfolio of Retirement & Wealth Management products.

Log In To Your Valley Strong Services

Valley Strong Online Banking

Manage your checking, savings, and money market accounts here.

Username Password

Forgot Password | Forgot Username

Not yet a Member? Get Started

Credit Card, Auto and Personal Loan Management

Make payments and view account activity on your existing credit card and auto or personal loans.

Mortgage and HELOC Management

Make payments and view account activity on your existing home loans.

Investment Account

Review your portfolio, make informed decisions, and ensure your financial future is on track.

Personal
Business

Life Stage Banking
- - Discover Life Stage Banking
    - Starting Young
      
      Bank on good financial habits with the tools they need to grow.
    - New to the Workforce
      
      Set up your finances so you can navigate your career journey confidently.
  - - New Family
      
      Build a strong foundation for your family's financial well-being.
    - Property Management
      
      Achieve your homeownership dreams and manage your properties
  - - Retirement
      
      Secure your golden years with thoughtful retirement planning and investment.
    - Re/Building Credit
      
      Start your credit journey or get back on track with our support.
- Meet A Valley Strong Representative
  
  Have a question? Schedule an appointment with us!
  Additional Links
Checking & Savings
- - Checking
    - CentsAble Checking
      
      An easy-to-use checking account with no monthly service fee.
    - Makes Cents Checking
      
      Our premium checking account that rewards you for everyday spending.
  - Savings
    - Regular Shares
      
      Just $5 gets you started with a shares savings account.
    - Regular Club
      
      Save up for any occasion while earning dividends.
    - Money Market
      
      Earn more on your savings while maintaining access to your cash.
    - Share Certificate
      
      Watch your savings grow with a guaranteed rate of return.
  - Youth
    - Rocky Raccoon Savings
      
      Introduce the concept of saving with our youth account for younger kids.
    - Grow Strong Youth Accounts
      
      Teens learn valuable money management skills while gaining financial independence.
    - Greenlight
      
      Teach your kids to spend wisely with Greenlight.
- Anytime digital banking
  
  We get directions, make appointments and shop on our phone. Why shouldn't we also bank on the go?
  Additional Links
  - Digital Banking
  - Refer A Member
- Refer A Member: Earn Up To $2,500
Credit Cards
- - Find Your Credit Card
    - Rewards Credit Cards
      
      Earn points or cash back on your everyday purchases.
  - - Secured Credit Cards
      
      Establish or improve your credit history.
  - - Monitor Your Credit Score
      
      Log into online banking or mobile banking to track your credit score, monitor your credit report, and get the best loan rates from Valley Strong!
- The value of your credit score
  
  Having a solid credit score is key to access lower interst rates and better terms on mortgages, credit cards, auto loans and more.
  Additional Links
  - Credit Score Monitoring
Home Loans
- - Home Loans
    - Fixed Rate Mortgages
      
      Ideal for those who plan ahead, a fixed-rate mortgage locks in your monthly payment.
    - Adjustable Rate Loans
      
      Bank on your future with a 5/5 Adjustable Rate Mortgage (ARM) Loan.
    - Construction, Investment & Lot Loans
      
      Are you ready to build your dream home? Find out how we can help.
  - Home Equity
    - Home Equity Line of Credit
      
      Unexpected expenses? Borrow against your home equity with a home equity line of credit.
  - Home Buyer Advisors
    - Find a Loan Officer
      
      Whether you are buying, building, or refinancing, it's important to have an experienced mortage loan officer by your side.
- Tap into your home equity with a HELOC
  
  A Home Equity Line of Credit (HELOC) can be a powerful financial tool for homeowners. Learn to tap into your home equity.
  Additional Links
  - Make A Payment
  - Mortgage Assistance
Auto & Personal Loans
- - Auto Loans
    - Auto Loans
      
      New and used vehicle loans that help put you in the driver's seat.
    - RV & Specialty Vehicle Loans
      
      Find a loan for your next RV, ATV, Trailer or Boat
  - Personal Loans
    - Personal Loan
      
      Get the funds you need with flexible repayment options.
    - Personal Plus
      
      Available to homeowners with no collateral required.
    - Share Secured Loan
      
      Borrow funds using your savings account or share certificate as collateral.
  - - School Employee Loans
      
      Purchase the classroom tools you need to make teaching a success.
- Get That Dream Loan With Your Dream Car
  
  If you're in the market for a car right now, you're hardly alone. Take advantage of competitive auto loans and refinancing options.
  Additional Links
  - Credit Score Monitoring
  - Auto Finder
Investing
- - Retirement Planning
    - Retirement
      
      Whether you’re planning for a comfortable retirement or looking to maximize your savings, our tailored solutions are here to help.
  - - IRA Accounts
      
      Choose from Traditional, Roth, or Coverdell Educational Savings Account (ESA) Certificates, each designed to enhance your savings with powerful features.
  - - Meet our Wealth Management Team
      
      Contact a Retirement & Wealth Management professional to start planning your future.
- Maximize Your Retirement
  
  Are you looking to maximize your retirement savings? Meet with one of our advisors today!
  Additional Links
  - Login to Wealth Management Account
  - Retirement Score - Powered by Silvur
Resources
- - Discover Member Resources
    - Anytime Digital Banking
      
      Manage your accounts and streamline your finances with powerful online banking tools.
    - Help Center
      
      Explore our comprehensive Help Center for quick answers, detailed guides, and personalized assistance.
  - - Member Benefits
      
      Learn about exclusive benefits and discounts you get just for being a Member.
    - Who We Are
      
      See what makes Valley Strong your life-long financial partner.
  - - Financial Literacy
      
      Explore our educational courses, gain insight into credit score fundamentals, and engage in interactive workshops and presentations.
    - Workshops & Events
      
      Find and attend a free informational session or event.
- Meet A Valley Strong Representative
  
  Have a question? Schedule an appointment with us!
  Additional Links

Search

Growth Solutions
- - Discover Growth Solutions
    - Small Business & Startups
      
      Fuel your business dreams with financial support and personalized guidance.
  - - Mid-Size Business
      
      Elevate your business to new heights with strategic financial solutions.
  - - Large Business
      
      Empower your large business with comprehensive solutions and financing options.
- Meet A Business Representative
  
  Meet our dedicated Business Banking team to talk through any business needs you may have.
  Additional Links
  - Schedule An Appointment
  - See Current Offers
Checking & Savings
- - Business Checking
    - Business Basic Checking
      
      A simple business checking account to help meet your everyday banking needs.
    - Business Checking Plus
      
      A business checking account for midsized businesses with greater deposit needs.
    - Business Analysis Checking
      
      A business checking account designed for businesses that need complex banking solutions.
    - Community Non-Profit
      
      A checking account for your community organization or non-profit.
  - Business Savings
    - Business Savings
      
      Safeguard your business savings with an account that has no monthly service fee.
    - Business Money Market
      
      Put your business savings to work while maintaining access to your funds.
    - Business Savings Certificate
      
      Earn higher-yielding interest with a term business share certificate.
  - Business Specialty
    - Business Escrow Club
      
      A safe and secure way to hold and transfer funds between parties.
    - IOLTA Business Checking
      
      The Right Account for Legal Professionals.
    - Public Business Money Market
      
      Designed specifically for municipalities and other public organizations.
- Meet A Business Representative
  
  Meet our dedicated Business Banking team to talk through any business needs you may have.
  Additional Links
  - Schedule An Appointment
  - See Current Offers
- Refer A Member: Earn Up To $2,500
Credit Cards
- - Business Credit Cards
    - Business Rewards Card
      
      Earn points on everyday business expenses.
  - - Business Cash Back Cards
      
      Get more out of your business credit card with cash back on your purchases.
  - Dedicated Business Support
    - Contact Our Business Team
      
      Connect with our experienced professionals and get the personalized service your business needs.
- Business Insights with Intergrated Credit Card Management
  
  Credit Card Management and spend tracking with Valley Strong Online Banking.
  Additional Links
  - Credit Score Monitoring
Business Loans
- - Business Flexibility Loans
    - Business Lines of Credit
      
      Get access to funds to use when you need it.
    - Equipment & Machinery Financing
      
      Purchase the tools your business needs to be successful.
    - SBA Loan
      
      Empowering small businesses with flexible, growth-focused SBA financing.
  - Business Expansion Loans
    - Term Business Loan
      
      A fixed-rate term loan, for clear and stable business investment
    - Business Acquisition Loan
      
      A customizeable option to help you expand your business operations.
    - Commercial Real Estate Financing
      
      Elevate your real estate portfolio with dedicated financing support.
  - Dedicated Business Support
    - Contact Our Business Team
      
      Connect with our experienced professionals and get the personalized service your business needs.
- Understand Valley Strong Business Loans
  
  Our diverse business loans can fuel your company's expansion and innovation, tailored for every stage of your business journey.
  Additional Links
  - See Current Offers
Treasury Management
- - Treasury Management
    - Treasury Management Solutions
      
      Simplify your daily financial operations with a range of cash management products and services.
  - - Autobooks
      
      Add full financial management functionality to your business account.
  - - Commercial Cash Vault
      
      Efficiently manage your cash-intensive operations to save time and money.
- Meet A Valley Strong Representative
  
  Explore how Valley Strong can streamline operations, enhance efficiency, and safeguard your business's financial health.
  Additional Links
  - Schedule An Appointment
  - See Current Offers
Resources
- - Discover Member Resources
    - Anytime Digital Banking
      
      Manage your Valley Strong services and streamline your finances with our powerful online banking platform.
    - Help Center
      
      Browse our help center to get answers to any product questions and requests for information.
  - - Member Benefits
      
      Gain access to exclusive benefits and discounts for amusement parks, tax, legal and insurance services.
    - Who We Are
      
      Learn about what makes us Valley Strong. Check out resources like our impact and annual reports and view career opportunities with our team.
  - - Learning Center
      
      Increase your knowledge with our Financial Literacy Center, workshops, blog and newsletters.
    - Workshops & Events
      
      Find and attend a free informational session or event.
- Anytime digital banking
  
  We get directions, make appointments and shop on our phone. Why shouldn't we also bank on the go?
  Additional Links

Search

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Weekly Market Commentary

Weekly Market Commentary

Each week the LPL Financial Research team assembles thoughtful insight on market news.

Download Market Commentary

Valley Strong Administrative Offices 
P.O. Box 9506 Bakersfield, CA 93389 
(800) 221-3311

Your savings is federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a US Government Agency

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©2025 Valley Strong Credit Union. All Rights Reserved. This credit union is federally insured by NCUA. NMLS #456506. If you are using a screen reader or other auxiliary aid and are having problems using this website, please call (800) 221-3311.