Accounts 
New & Used Auto
Recreational Vehicles
Auto Equity
Your credit union adds value to your vehicle loan by adding a courtesy lien on California property you own. Because your home is used as collateral, the interest on an auto equity loan may be tax deductible. (Whether or not the finance charges will be deductible depends on your individual circumstances. We recommend that you consult a tax advisor.)
Personal Loans
Upon approval, we'll finance an unsecured personal loan for up to $25,000 with terms up to 48 months. You can receive a .25% rate reduction on a Valley First personal loan with qualifying services.
Share-Secured and Certificate-Secured Loans
Secure your loan with your savings account or share certificate and receive a low interest rate of just 3% over what your savings account or share certificate is currently earning.
Overdraft Protection
Alleviate concerns about overdrawing your checking account and paying high fees with this line of credit up to $5000.
Real Estate Loans
Easy Application Process
To apply for a Valley First consumer loan, complete the appropriate application and mail or fax it to us. Or, if you prefer, bring it in to the credit union. Follow these simple steps to ensure quicker processing:
- Complete the loan application. Please print clearly in ink or type in the information. Include all assets or information you would like us to consider.
- Income verification may be required prior to loan funding.
