Home Equity Line of Credit

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Put your home's equity to work.

This revolving home equity line of credit (HELOC) is designed with you in mind. Use your home as collateral for home repairs or upgrades, to consolidate your debt and more.

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Enjoy these convenient features & benefits:

Variable Interest Rates

No Prepayment

No Draw


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25 Year Term
As low as
9.00% APR1
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Applying for a Loan is Easy


Our online loan application is easy, secure and available 24/7.

Apply Now

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Loan Protection Gives You Peace of Mind

Loan Protection Gives You Peace of Mind Valley First loan protection products are designed to help you overcome any hardships that may come your way.

Debt Protection

Help protect your loan payments against life’s unexpected events such as death, disability, or involuntary unemployment with
Debt Protection.2

Ask to add Debt Protection at any
Valley First branch.

TruStage Insurance

You may be able to save money on your life, auto or property insurance and experience excellent service with TruStage Insurance.2

Learn More

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Minimum loan amount is $25,000, maximum of $250,000. Property insurance is required.

To get a Home Equity Line of Credit, you must be a member of the credit union.

Not yet a member?

You can establish membership if you meet our membership eligibility requirements and open a Primary Share Account. Learn about the many perks of membership.

Make a Payment

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Make an online payment to your current Valley First Credit Union Home Equity Loan.


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1APR = Annual Percentage Rate. All loans subject to credit approval. Rates effective as of 6/1/23. Rates, terms and conditions subject to change. The minimum APR is 9.00%. The maximum APR is 15.00%. The APR is variable, based on an index and margin. Maximum rate adjustment is 3% each adjustment period. Variable rate is based on the highest commercial prime rate correctly published daily in the Wall Street Journal, Western Edition (the "index"), plus 0.75% to 2.25% depending on primary wage earners FICO score (the "margin"). You may pay certain fees ranging from $300 to $1500 to third parties to open a line of credit. $75 over-the-limit fee. Appraisal fee and Title fee may be required. A full list of fees are disclosed in the closing statement. Qualification based on credit history, debt, loan-to-value, and the ability to repay. Property insurance required. Minimum loan amount is $25,000. Maximum loan amount is $250,000. $100 minimum draw. The maximum term is 25 years, which includes a 10-year draw period and a 15-year repayment term. Primary Residence: 70% Maximum Combined Loan-To-Value (CLTV). Investment Property: 60% Maximum Combined Loan-To-Value (CLTV).  Membership requirements apply: Membership requires a savings account opened with an initial $25.00 deposit plus a $5.00 one-time membership fee, for a total of $30.00. New accounts subject to ChexSystems. Other restrictions may apply.
2Restrictions Apply. The purchase of these products is optional and will not affect your application for credit. The information provided here is not a contract. It is a general summary of product benefits, and its contents are limited due to size. Debt Protection coverage is administered by CUNA Mutual Group. TruStage Insurance is administered by CMFG Life Insurance Company, License #0I19359. These products are not insured by the National Credit Union Administration.