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What is a credit union?

A credit union is a cooperative, not-for-profit financial institution organized to provide credit to members. It is member-owned and controlled through a volunteer board of directors elected by the membership. The board also establishes and revises policy, sets dividend and loan rates, and directs certain operations. The result: members are provided with a safe, convenient place to save and borrow at reasonable rates at an institution which exists to benefit them, not to make a profit. 

Each credit union member owns one "share" of the organization. The user of credit union services is also an owner, and is even entitled to vote on important issues, such as the election of member representatives to serve on the board of directors. 

Who can join Valley Communities Credit Union?

Persons who live, work or own property in Adams, Clark, Juneau, Lincoln, Marathon, Portage, Shawano, Waupaca, Waushara and Wood counties can apply for membership to Valley Communities Credit Union. 

What do I need to do to join VCCU?

You need to maintain a $25.00 minimum balance in savings account to be a member. Bring in a valid photo ID, social security number, proof of address and a third form of ID (ex. insurance card), and talk to one of our member service representatives.


To help the government fight the funding of terrorist and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you:  when you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.” 

What is your VCCU routing number?

Routing Number: 275980735 

Do you offer home loans?


Do you offer home equity loans?


Can I get a loan if I don’t have perfect credit?

Part of the credit union philosophy is people helping people, which is why VCCU offers a Membership Matters program for those members with less than perfect credit. Contact one of our loan officers today to find out more. 

If I am traveling, should I contact you if I plan to use my debit card?

It is always a good idea to let Valley Communities Credit Union know if you plan to use your debit card while traveling to another state. This helps us determine if a charge looks fraudulent. VCCU is concerned with your financial security, so if we see mysterious charges at a location you do not normally make purchases from, we may discontinue service to your card.

I lost my ATM card, what should I do?

Call 1-800-554-8969 to report a lost or stolen ATM or Visa® Debit Card.

Do you sell savings bonds?

As of January 1, 2012, paper savings bonds are no longer sold at financial institutions. Electronic savings bonds are available for purchase at Treasury Direct

I need a student loan, can you help?


How many times can I use my VCCU ATM or Visa Draft card in one day and is there a dollar limit?

ATM card

  • You may make no more than 10 transactions per day using your ATM card. There is a $1,200/day limit for point-of-sale transactions (purchase goods or services or get cash from a merchant)

Visa Draft card

  • You may make no more than 15 transactions per day using your Visa Draft card. There is a $1,200/day maximum on withdraws or transfers.

I need to reset my password for NetBranch, what do I do?

Please call one of our offices to speak to a member service representative to reset your password.

What fees are associated with VCCU services?

We strive to maintain fees at the lowest possible rate necessary. See our fee schedule. 

Where can I get information on pricing and information on new and used vehicles?

Find information at National Automobile Dealers Association Guide.

Where can I get a free credit report? is a centralized service for consumers to request free annual credit reports. It was created by the three nationwide consumer credit reporting companies — Equifax, Experian and TransUnion.