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.
Our consumer loans will help you with whatever your need is, whether your family needs a little extra money right now, or you are planning your dream vacation. We'll work with you to ensure you get the best loan you can.

Personal 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

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

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
*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.