Personal Loans
Interested in a personal loan? Let’s find the borrowing option to help with your needs.
Sometimes financial needs arise that require a reliable partner. At Valley First, we’re not just a credit union—we’re a trusted partner in the community that may be able to support you in those pivotal moments. Our personal loan options are tailored with competitive rates and a hassle-free application process, ensuring you can get back to focusing on what truly matters.
Rates As low as 10.12% APR1 for 12-60 Months term. See All Rates
Competitive,
Fixed Interest Rates
Flexible Terms
No Prepayment
Penalties
Personal Loan Options
| Personal Loan Unsecured | Share Secured Loan | |
|---|---|---|
| Summary | A loan without collateral and based on the creditworthiness of the applicant. | A loan secured by a set amount of share on deposit. |
| Minimum Loan | $500 | $500 |
| Maximum Loan | Up to $50,000 | Not to exceed share account balance being pledged. |
”The process was smooth, easy, and enjoyable. I truly appreciated the helpful service and friendly experience. Thank you for making it so simple!”
Linda F.
Valley First Credit Union Member
Applying for a Loan is Easy.
Simply use our online loan application or visit your local branch and a Member Service Specialist will assist you.
Eligibility & Requirements:
To get an Personal Loan, 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.
Loan Protection Gives You Peace of Mind
Your financial well-being is at the heart of what we do, and our loan protection products are a reliable backup to ensure that, in challenging times, your loan obligations don’t add to your worries. Find the assurance you need to face life’s unpredictability, knowing we’re here to support you.
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.
Free 24/7 Services
Online & Mobile Banking
Free, secure access to your account anywhere, anytime. Make transfers, check balances, and apply for loans at your convenience. Enrolling is fast and easy.
Get started today and enjoy our user-friendly Online & Mobile Banking.
Data and other wireless carrier charges may apply.
Learn More
eStatements
Reduce paper clutter and the hassle of shredding sensitive account information with eStatements.
Conveniently access statements and important notices when you need them within our secure Online & Mobile Banking.
1 APR = Annual Percentage Rate. Rates effective 05.01.2026. 60 monthly payments of $21.50 per $1,000 borrowed at 10.49% fixed APR. All loans subject to credit approval. Rates, terms and conditions subject to change.
2 Restrictions 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.