Consumer Loans

Valley First has a variety of loans to fulfill your borrowing needs. We offer competitive rates, an easy application process, and quality service. From beginning to end, you'll discover that Valley First Credit Union is the only place you'll want to go for all your financial needs.

• No prepayment penalties
• Competitive rates
• Fixed interest rates
• Rate discount available
• Repayment terms are 36 - 84 months (depending on amount financed and model year)
• Autos, Pickups & Vans
• Loan up to 120% of Kelley Blue Book value

• Autos, Pickups, Vans and Motorcycles are eligible
• No prepayment penalties
• Repayment terms are 36 - 84 months (depending on amount financed and model year)
• Fixed interest rate
• Finance new or used vehicles
• Refinance vehicle loans held by other financial institutions or Valley First Credit Union
• Improved real estate property, whether it is principal residence or not, will be taken as additional collateral

*Whether or not the finance charges will be deductible depends on your individual circumstances. We recommend that you consult a tax advisor regarding the possible tax deductions of the interest payments.

• RV, Boat, Motorcycle, Motor Home, Travel Trailer, Dirt Bike, Jet Ski, Quads, Snow Mobile and Off-Road Trailers are eligible
• No prepayment penalties
• Competitive rates
• Fixed interest rate

• No prepayment penalties
• Competitive rates
• Rate discount available
• Repayment terms are 12-48 months, depending on amount financed
• Fixed interest rate
• Credit as high as
  • $25,000/single member
  • $50,000/joint membership

• No prepayment penalties
• Loan amount not to exceed face amount of certificate
• Rate discount available
• Loan term not to exceed expiration date of certificate
• Fixed interest rate

• No annual fee
• Apply only once
• Competitive rate
• Monthly payment plans
• Free overdraft protection for your checking account
• Credit Limit:
  • $100 minimum
  • $5,000 maximum