Unlock New Possibilities With a Personal Loan

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Fire Relief - We have a disaster relief loan where members can get up to $2,000 at 0%, apply now or call us today!

We are here to help with the Lifeline Loan! It can help qualified individuals meet their financial obligations when life throws them a curveball. The current rate is 10% fixed APR*. We process these loans quickly – and can be done the same-day. And there are no origination fees or prepayment penalties with the Lifeline Loan.
 

Lifeline Loan


• Maximum amount of loan is equal to the applicant’s monthly Direct Deposit pay into Valley Credit Union, up to a maximum of $1,500. Amount to be verified by direct deposit. 
• No credit check or underwriting required for the loan.
• Member must currently be in good standing and have be a part of the Valley CU family for over 12 months.
• Maximum loan term of 12 months.
• The rate will be fixed at 10% for the duration of loan.

To determine your monthly payment amount check out our loan calculator

**The Annual Percentage Rate (APR) of 10% for all borrowers for up to 12 months. No Credit Check. Other restrictions may apply. The APR is 10.00% with Auto Pay. No payments for up to 30 days. Interest accrues from the date of the loan.
 

Personal Loans/ Debt Consolidation Loans

A personal loan can be used for whatever your needs are! Take a vacation or go on a shopping spree!

  • Low fixed rates
  • Low processing fee

To determine your monthly payment amount check out our loan calculator

**The Annual Percentage Rate (APR) of 8.25% for well qualified tier A+ borrowers for up to 60 months. Credit requirements and other restrictions may apply. The APR range is 8.25% - 18.00% with Auto Pay and e-Statements. No payments for up to 90 days. Interest accrues from the date of the loan.

Line-of-Credit Loans

Once your line of credit has been approved, you can borrow money whenever you need it.

  • Low fixed rates
  • Minimum payment is 3% of loan balance
  • Low processing fee
  • Use for Overdraft Protection

To determine your monthly payment amount check out our loan calculator

**The Annual Percentage Rate (APR) of 8.25% for well qualified tier A+ borrowers for up to 60 months. Credit requirements and other restrictions may apply. The APR range is 8.25% - 18.00% with Auto Pay and e-Statements. No payments for up to 90 days. Interest accrues from the date of the loan.

Share Secure Loans

Another take on the personal loan, share secure loans offer great rates and give you access to the money you need.

  • Minimum rate of 4.00% APR
  • No processing fee

To determine your monthly payment amount check out our loan calculator

**The Annual Percentage Rate (APR) of 6.25% for all borrowers for up to 60 months. Credit requirements and other restrictions may apply. The APR is 6.25% with Auto Pay and e-Statements. No payments for up to 90 days. Interest accrues from the date of the loan.

*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.