When you log into Online Banking for the first time after our upgrade, you will be required to enter your EXISTING Login ID and Security Code (see below).
Your LOGON ID is your existing online banking login ID. Your Logon ID must contain at least 6 characters. If your login ID is less than 6 characters, you must enter leading zeros to make it the minimum 6 characters.
Your SECURITY CODE is the word security in lower case letters + the last 4-digits of the Primary Account Holder’s Social Security Number.
Example: If the last 4-digits of the Social Security Number are 1234 then your Security Code is security1234
You will be prompted to change your Security Code after first time login in.
If you experience an “unable to validate” error message, then you should delete cookies and cache from your browser. You can also try the login on a different browser. Deleting Cookies and Cache is usually found on your browser’s settings under “privacy”.
Homeownership is a big step, and we’re here to make it easier. At Valley Credit Union, you’ll get personalized support and competitive mortgage rates from people who live and work right here in the Salem community.
Apply online today and take the first step toward your new home.
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We’re a local credit union, not a big bank. That means you come first. Our home loan process is designed to be clear and simple, and you can expect personalized support from day one. We partner with Centennial Lending to bring you a wide range of mortgage options, fast approvals, and experienced guidance.
Whether you’re buying in Salem, refinancing your current home, or expanding your investment portfolio, we’re ready to help.
In partnership with Centennial Lending, we offer a full range of loan types. Take a look at our loan options below. If you’re not sure what’s right for you, just reach out. We’ll walk you through your options and help you choose the mortgage loan that’s the best fit.
Need consistency? Lock in a steady monthly mortgage payment for the life of your loan. Great for budgeting and peace of mind.
Start with a lower mortgage interest rate that may adjust over time based on market trends.
FHA (Federal Housing Administration) loans let you buy a home with as little as 3.5% down and include mortgage insurance. A great option for first-time homebuyers or those with limited credit.
Specialized home loans in Salem with no down payment for eligible veterans and spouses, backed by the Department of Veterans Affairs.
This loan is designed so you pay just the interest for a fixed term, typically 5-7 years. When the term is up, you can choose to refinance or make a lump sum payment.
Build your real estate portfolio. Requires a minimum down payment of 20%, and having at least 2 years of property management experience will help you qualify.
This loan bridges the gap during a transitory period in your life. Borrowers tend to apply for this loan when they are selling and buying a house.
This loan will not be fully paid off over its typical 5-7 year term. Once the loan term is up, refinancing or repayment is often needed.
Used to finance properties when the loan amount exceeds federal loan limits.
We're here to help you make smart decisions. These tools and resources from Centennial Lending can guide you through the numbers and mortgage rate updates:
Already own your home? Use a Home Equity Line of Credit (HELOC) to pay off debts, make home improvements, pay for college tuition, or to take that dream vacation!
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*APR = Annual Percentage Rate. The interest rate a member pays is based on the member's credit worthiness, credit history, loan-to-value ratio and term of the loan. Loan terms may vary depending on amount borrowed and credit history. All rates are subject to change at any time. Membership requirements apply.
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