Your portal for information about the transition.
Meeting your financial needs not only means warm, neighborly service but also the reward of expanded products, services, technology, and state-of-the-art security.
To deliver the level of service you deserve, Valley Hills Federal Credit Union is merging with a credit union that has a reputation for service and community support as well as resources to bring you more benefits—Arrowhead Credit Union.
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| Your Accounts Move to Arrowhead March 1, 2025 Check back here for important updates throughout the merger. |
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| Your Welcome Guide Was Mailed to You Mid-November It has a detailed overview of what to expect in the coming months. |
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| Your Membership Guide Will Be Mailed to You in Early February It will have your new account information and digital banking login instructions. |
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| State of the Art Digital Banking Available 24/7 with an easy-to-use banking platform for desktop and mobile. |
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| Arrowhead Checking No minimum balance required and free access to 30,000 ATMs, nationwide. |
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| 19 Branch Locations to Serve You Access to branches and contact center Monday through Saturday. Find a branch. |
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| Top Rated Credit Union Forbes rated Arrowhead as one of the best California credit unions this year. |
Why merge with Arrowhead Credit Union?
The Valley Hills FCU team considered several credit unions. After spending time with each, they felt Arrowhead’s service culture and organizational values were the best fit for Valley Hills FCU members. It was also important for members to have an expanded membership with a full-service call center, mobile banking app, mobile deposit and much more. In addition, Arrowhead has 19 branches (15 of which serve the Inland Empire) and over 500 team members who specialize in providing you with world-class service.
As a Valley Hills FCU member, how can I get involved in the merger process?
Valley Hills FCU members will be mailed and emailed information about the merger over the next several months. Make sure your contact information is up-to-date with Valley Hills so you can receive important information about your account(s).
How will this affect the Valley Hills FCU team?
The Valley Hills FCU branch team will be here to serve you through the merger with Arrowhead.
When will my accounts convert to Arrowhead Credit Union?
Your Valley Hills FCU accounts will convert to Arrowhead accounts in early 2025. In the meantime, you'll use your Valley Hills FCU accounts as usual. This website will provide the most up-to-date information regarding the timing, important dates, and process. You will also receive updates via mail and email if you have opted into that communication channel.
Can I keep using my Valley Hills FCU accounts?
Yes, you'll continue to use your Valley Hills FCU accounts until they're converted to Arrowhead accounts, which will be several months from now. We’ll communicate a firm timeline in advance and as soon as it is available.
Will this impact how I access my accounts?
There won’t be any changes to how you access your accounts until early next year. Additional information will be sent to you before any changes to your accounts occur, and you can visit this page for frequent updates about the merger.
Can I still apply for a Valley Hills FCU loan or membership?
During this transition and after, you can apply for a loan or membership with Arrowhead or visit an Arrowhead branch.
Can I still use the Visa® gift card that I received from Valley Hills FCU?
Your card can be used to make purchases until April 30, 2025, but cannot be reloaded. Visa® is discontinuing the Gift Card Program, so Arrowhead will not be offering this product when you become a member. For more information, please visit the Visa Gift Card Program Website.
Can I still purchase the Visa® gift card from Vally Hills FCU?
No, Valley Hills FCU no longer offers Visa® gift cards.
What if I am already an Arrowhead member?
A new, separate Arrowhead membership will be opened for your transitioned Valley Hills FCU accounts.
Will the merger affect membership eligibility?
There will be no effect on membership eligibility. The combined credit unions will continue to serve all groups and areas under each credit union’s existing charter.
Do I need to pay a membership fee?
No, you'll automatically become an Arrowhead member and will not need to pay a membership fee.
Will my years of membership carry over?
Yes, you will maintain your years of membership.
When will I receive my Arrowhead account information?
You'll receive your account information a few weeks before your Valley Hills FCU accounts convert to Arrowhead accounts early next year. Please make sure Valley Hills FCU has your current mailing address, email, and phone number so you receive your new account information when it becomes available.
When can I use Arrowhead branches?
You will be able to use Arrowhead branches once your accounts are converted in early 2025. In the meantime, you can use the Valley Hills FCU branch as usual. The most up-to-date information regarding your account conversion will be available on this website.
How do I open a checking account with Arrowhead once I’m a member?
Apply online, call us, or visit a branch to apply for a checking account that’s right for you.
Is there a monthly fee for the Arrowhead Checking account?
Arrowhead Checking has no monthly maintenance fee when enrolled in eStatements.
Can I have a direct deposit go to my Arrowhead Savings?
Yes, you can have funds directly deposited into your Arrowhead Savings account once your account converts. Use the electronic account number included in your Member Guide, which you will receive several weeks before your Valley Hills FCU accounts become Arrowhead accounts.
What are your savings rates?
View our current savings rates here.
What is the minimum account balance requirement?
$5 is required to maintain your Arrowhead Savings account. Maintaining a $300+ average balance or a $25 recurring monthly deposit waives the $3 monthly fee.
Please note that you have a 6-month grace period for these requirements, and we will waive the monthly maintenance fee of $3 during this grace period. We will automatically waive this monthly fee for members aged 17 years or younger or 60 and above.
Will my interest rate on my loan be the same?
Yes, your interest rate(s) will remain the same on Valley Hills FCU loan balances that transfer over. Any new balances or newly funded loans will be at our current rates.
Will my loan term be the same?
Yes, your Valley Hills FCU loan term will remain the same when it moves to Arrowhead.
How do I open a new loan?
You can apply online, visit a branch, or call us at (800) 743-7228 between the hours of 8 am and 6 pm Monday through Friday and 9 am and 2 pm on Saturday.
Will my payroll deductions for loan payments carry over?
Any payroll deductions for loan payments from your Valley Hills FCU account(s) will transfer over.
Will my automatic payments transfer over?
If you have any payments to your Valley Hills FCU loans automatically paid from other financial institutions, they will not transfer over, and you'll need to set them up again after the conversion date.
Will I receive an updated DMV registration for my auto loan?
Yes, you will receive a new registration card from the DMV showing “Arrowhead Central Credit Union” as the lien holder. This will happen automatically; you won’t need to do anything
Will my maturity date and dividend rate change?
No, they will both remain the same for the existing term.
We formed in 1949 to serve the needs of San Bernardino County employees. Over seven decades, we’ve grown to more than 200,000 members. Today, we continue to evolve with our members' needs and maintain a strong reputation for service and support in the community.
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