Promotions

¹All loans subject to credit approval. Rates effective July 1, 2019 through August 31, 2019. FICO score 710 and above required for 2.99% APR, other factors apply. For 48 monthly payments at 2.99% APR the repayment amount would be $22.13 per $1,000. Rate is determined by credit history, model year, terms, and underwriting factors. Rates, terms and conditions subject to change. Model year 2009 or newer. Excludes refinancing of Valley First Credit Union loans. Existing loan payments must be current. Not eligible for Skip-A-Payment until after twelve months of consecutive payments, dating from the first payment date. Membership eligibility requirements apply. Membership requires a Primary Share Account opened with an initial $25 deposit plus a $1 one-time membership fee, for a total of $26. New accounts subject to Chex Systems. Excludes refinancing of existing Valley First loans. Minimum amount to finance and receive $200 incentive is $10,000. Limit of one $200 incentive per refinanced loan. 90 Day No Payment subject to credit history. Interest accrues from date of signed contract. Delaying payments will increase finance charges.

²All loans are subject to review and approval of credit and collateral. Rates, terms and conditions are subject to change at any time without notice and may vary based on creditworthiness, qualifications and collateral conditions. Certain restrictions and limitations apply. Offer is not valid for loan applications completed after September 30. Loan application must be dated between August 1 and September 30. Offer is only available for new, first lien residential purchase or refinance mortgage loans. Cannot be combined with other offers. Not available for, construction/lot loans, FHA/VA programs, home improvement loans, home equity loans, home equity lines of credit, refinance of a mortgage held by Valley First Credit Union, 2nd mortgages, 2-4 units, or loans outside of California. The credit cannot exceed the closing costs. $1,000 will show as a credit on the closing statement.