Valley 1st Community Federal Credit Union is a non-profit, member-owned, financial institution that serves anyone who lives, works or worships in the communities of Rostraver Township, Donora, Monessen, Sewickley Township, East Huntingdon Township, South Huntingdon Township, Sutersville, Smithton, Madison, West Newton, Mt. Pleasant or Scottdale and their families. Because they are non-profit, and member-owned, money made in excess of expenses is returned to the membership through competitive loan rates and savings dividends. The credit union is federally chartered, regulated, and insured by the National Credit Union Administration (NCUA), an agency of the U.S. government. Member accounts are insured in an aggregate of $250,000. Member Individual Retirement Accounts (IRAs) are insured separately to an additional $250,000. The NCUA is one of the strongest federal insurance funds and issues strict operating guidelines for the credit unions that it regulates.