Rates
-
Deposits
Consumer Deposit Rate Schedule
Rates effective as of 11.01.2026
Consumer Savings Account type MINIMUM/TIERS APY1 RATE Primary and Secondary Shares
Up to $999.99 0.00% 0.00% $1,000 - $29,999.99 0.03% 0.03% $30,000 - $74,999.99 0.07% 0.07% $75,000 - $99,999.99 0.10% 0.10% $100,000 - $124,999.99 0.12% 0.12% $125,000 or greater 0.15% 0.15% Purple Savings2
Greater than $10,000 0.10% 0.10% Up to $10,000 3.25% 3.20% Chickadee Club, Moo-La Club
$1 - $24 0.05% 0.05% $25 or greater 0.05% 0.05% Grow Forward
$10 - $24 0.05% 0.05% $25 or greater 0.05% 0.05% Valley Thrive
$10 - $24 0.05% 0.05% $25 or greater 0.05% 0.05% Money Market
Up to $9,999.99 0.07% 0.07% $10,000 - $24,999.99 0.10% 0.10% $25,000 - $49,999.99 0.12% 0.12% $50,000 - $249,999.99 0.15% 0.15% $250,000 or greater 0.20% 0.20% Regular IRA
No Minimum 0.15% 0.15% Club Account
No Minimum 0.05% 0.05% 1 APY is Annual Percentage Yield. APY, Dividend Rates, and Terms subject to change without notice. Fees may reduce earnings. For dividend bearing accounts, dividends are calculated by the average daily balance method which applies a daily periodic rate to the entire principal balance in your account for each day. Dividends compound monthly.
2 To open this account and receive the 3.25% APY, at least $2,500 must be from new deposits to the credit union. New money is defined as funds not on deposit at Valley First Credit Union in the 30 days prior to the certificate account opening. Must have a Primary Share and Purple Checking account. This is a tiered rate account. The 3.25% APY applies to balances up to $10,000. Any portion of the balance exceeding $10,000 will earn 0.10% APY
Business Deposit Rate Schedule
Rates effective as of 11.01.2026
Business Savings MINIMUM/TIERS APY1 RATE Business Primary Share Savings2
Up to $999.99 None None $1,000 - $9,999.99 0.05% 0.05% $10,000 or greater 0.10% 0.10% Business Money Market Account Savings3
Up to $999.99 1.30% 1.29% $1,000 - $9,999.99 1.80% 1.79% $10,000 - $99,999.99 2.20% 2.18% $100,000 - $249,999.99 2.45% 2.42% $250,000 - $499,999.99 2.70% 2.67% $500,000 or greater 2.70% 2.67% Business Checking MINIMUM/TIERS APY1 RATE Interest Business Checking4
Up to $4,999.99 0.05% 0.05% $5,000 - $9,999.99 0.10% 0.10% $10,000 - $24,999.99 0.15% 0.15% $25,000 or greater 0.20% 0.20% Impact Business Checking5
Up to $99,999.99 None None $100,000 - $249,999.99 0.05% 0.05% $250,000 or greater 0.15% 0.15% 1 APY = Annual Percentage Yield.
2 Required for business membership. $100 minimum balance to open account. No monthly service fee. Withdrawal Fee: Six (6) limited withdrawals including: check, draft, debit card, phone transfer, online, ACH and overdraft transfers are allowed each month. If you exceed these limits 3 times within a 12-month rolling period, the bank will convert your account to an account type without restrictions or be closed. There will be a $15.00 charge for each withdrawal after the sixth (6) withdrawal per month. This will include any withdrawal transaction type.
3 $1.00 minimum balance to open account. Monthly Service Fee: $15 if average daily balance for the month is below $1,000.
4 $100.00 minimum balance to open account. Monthly Maintenance Fee: $15 If the account balance falls below $5,000 on any day of the calendar month. Check-Writing and Debit Draft Fees: 150 free per month, then $0.25 per check or debit draft. Deposit Fee: 100 items free per month, then $0.25 for each additional item. Cash Deposit Fee: $0.25 per $100 over $15,000 in a month. Cash Order Fee: $1.50 per $1,000 over $5,000 in a month.
5 Available to nonprofits only. No maintenance or transaction fees.
-
Certificates
Consumer Certificates Rate Schedule
Rates effective as of 11.01.2026
Consumer Certificates Account type Minimum/Tier Term Regular IRA APY1 RATE APY1 RATE Share Certificates2
$1,000 6 Mo 0.31% 0.31% 0.31% 0.31% 12 Mo 3.50% 3.45% 3.50% 3.45% 18 Mo 0.68% 0.68% 0.68% 0.68% 24 Mo 0.85% 0.85% 0.85% 0.85% 36 Mo 0.95% 0.95% 0.95% 0.95% Special Premium Certificates4
$10,000 5 Mo 4.00% 3.93% 4.00% 3.93% 15 Mo 4.35% 4.27% 4.35% 4.27% Premium Certificates2
$10,000 6 Mo 3.25% 3.20% 3.25% 3.20% 9 Mo 3.35% 3.30% 3.35% 3.30% 12 Mo 3.75% 3.69% 3.75% 3.69% 18 Mo 3.40% 3.35% 3.40% 3.35% 24 Mo 3.35% 3.30% 3.35% 3.30% 36 Mo 3.00% 2.96% 3.00% 2.96% 48 Mo 2.10% 2.08% 2.10% 2.08% 60 Mo 2.00% 1.98% 2.00% 1.98% Moo-La Club Certificate3
$250 3 Mo 0.05% 0.05% N/A N/A Grow Forward Certificate3
$500 3 Mo 0.10% 0.10% N/A N/A 1 APY is Annual Percentage Yield. APY, Dividend Rates, and Terms subject to change without notice. Fees may reduce earnings. For dividend bearing accounts, dividends are calculated by the average daily balance method which applies a daily periodic rate to the entire principal balance in your account for each day. Dividends compound monthly.
2 Term Share (Certificate) Accounts will mature as reflected above (with a maturity ranging from 3 to 60 months) and the maturity date will be stated on the certificate provided to you at the time of opening your account. A penalty may be imposed if any funds are withdrawn from the account prior to the maturity date.
3 Term Share (Certificate) Accounts will mature as reflected above (with a maturity of 3 months) and the maturity date will be stated on the certificate provided to you at the time of opening your account. A penalty may be imposed if any funds are withdrawn from the account prior to the maturity date.
4 Special Term Share (Certificate) Accounts will mature as reflected above (with maturity of 5 months) and the maturity date will be stated on the certificate provided to you at the time of opening your account. A penalty may be imposed if any funds are withdrawn from the account prior to the maturity date. Requires 50% of deposit in new money. New money is defined as funds not on deposit at Valley First Credit Union in the 30 days prior to the certificate account opening.
Business Share Certificates Rate Schedule
Rates effective as of 11.01.2026
Business Share Certificates Account type Term APY1 RATE Business Share Certificate2
6 Mo 3.25% 3.20% 12 Mo 3.75% 3.69% 18 Mo 3.40% 3.35% 24 Mo 3.35% 3.30% 36 Mo 3.00% 2.96% 1 APY = Annual Percentage Yield.
2 Rate may vary at the time of maturity or renewal. No minimum balance to obtain APY. No minimum opening deposit. Early withdrawal penalties may apply. Fees may reduce earnings. Further information about early withdrawal penalties, renewal and terms will be provided at certificate opening or renewal. Dividends are calculated using the “average daily balance method.” This method adds up all of the daily balances from each day of the dividend period and divides by the number of days in the dividend period to determine the average daily balance. The average daily balance is multiplied by the daily periodic rate by the number of days in the dividend period to calculate your dividends earned, if any.
-
Loans
Consumer Loan Rate Schedule
Rates are as low as the rates listed below.
All rates will be determined by your credit history. Rates, terms and conditions are subject to change
Auto, Truck, SUV (New Autos: Model Years 2025 and newer)
Never registered or below 10K miles
Rates effective as of 11.02.2026Minimum Loan Amount Term in Months APR1
As Low As
$5,000 12-48 5.79%
$7,500 49-60 5.89%
$10,000 61-66 5.89%
$15,000 67-72 6.09%
$15,000 73-84 6.14%
1APR is Annual Percentage Rate. All rates will be determined by your credit history. Rates, terms and conditions are subject to change. All loans are subject to approval.
For 48 monthly payments at 5.79% APR the repayment amount would be $23.40 per $1,000 borrowed.
For 60 monthly payments at 5.89% APR the repayment amount would be $19.29 per $1,000 borrowed.
For 66 monthly payments at 5.89% APR the repayment amount would be $17.78 per $1,000 borrowed.
For 72 monthly payments at 6.09% APR the repayment amount would be $16.62 per $1,000 borrowed.
For 84 monthly payments at 6.14% APR the repayment amount would be $14.68 per $1,000 borrowed.
Auto, Truck, SUV (Used Autos: Model Years 2016-2024 or 2025-2026 10k miles or greater Classic cars included (25 years or older))
Mileage 10K or greater on 2023-2024, cannot exceed 200K
Rates effective as of 11.02.2026Minimum Loan Amount Term in Months APR1
As Low As
$5,000 12-48 6.04%
$7,500 49-60 6.24%
$10,000 61-66 6.24%
$15,000 67-72 6.34%
$15,000 73-84 6.74%
1APR is Annual Percentage Rate. All rates will be determined by your credit history. Rates, terms and conditions are subject to change. All loans are subject to approval.
For 48 monthly payments at 6.04% APR the repayment amount would be $23.51 per $1,000 borrowed.
For 60 monthly payments at 6.24% APR the repayment amount would be $19.45 per $1,000 borrowed.
For 66 monthly payments at 6.24% APR the repayment amount would be $17.95 per $1,000 borrowed.
For 72 monthly payments at 6.34% APR the repayment amount would be $16.74 per $1,000 borrowed.
For 84 monthly payments at 6.74% APR the repayment amount would be $14.97 per $1,000 borrowed.
Auto, Truck, SUV (Used Autos: Model Years 2014 - 2015)
Mileage Cannot Exceed 200K Miles.
Rates effective as of 11.02.2026Minimum Loan Amount Term in Months APR1
As Low As
$5,000 12-48 6.99%
$7,500 49-60 7.09%
$10,000 61-66 7.29%
$15,000 67-72 7.49%
1APR is Annual Percentage Rate. All rates will be determined by your credit history. Rates, terms and conditions are subject to change. All loans are subject to approval.
For 48 monthly payments at 6.99% APR the repayment amount would be $23.95 per $1,000 borrowed.
For 60 monthly payments at 7.09% APR the repayment amount would be $19.85 per $1,000 borrowed.
For 66 monthly payments at 7.29% APR the repayment amount would be $18.44 per $1,000 borrowed.
For 72 monthly payments at 7.49% APR the repayment amount would be $17.29 per $1,000 borrowed.
Recreational Vehicle
(New & Used 2016 or Newer)
Rates effective as of 01.01.2025Minimum Loan Amount Term in Months APR1
As Low As
$2,500 36 8.50% $5,000 48 8.50% $7,500 60 8.50% $15,000 72 8.50% $20,000 84 8.50% $20,000 96 8.75% $20,000 120 8.75% $30,000 144 9.00% $30,000 180 9.00% 1APR = Annual Percentage Rate. All rates will be determined by your credit history. Rates, terms and conditions are subject to change. All loans are subject to approval.
For 36 monthly payments at 8.50% APR the repayment amount would be $31.58 per $1,000 borrowed.
For 48 monthly payments at 8.50% APR the repayment amount would be $24.66 per $1,000 borrowed.
For 60 monthly payments at 8.50% APR the repayment amount would be $20.53 per $1,000 borrowed.
For 72 monthly payments at 8.50% APR the repayment amount would be $17.79 per $1,000 borrowed.
For 84 monthly payments at 8.50% APR the repayment amount would be $15.85 per $1,000 borrowed.
For 96 monthly payments at 8.75% APR the repayment amount would be $14.53 per $1,000 borrowed.
For 120 monthly payments at 8.75% APR the repayment amount would be $12.54 per $1,000 borrowed.
For 144 monthly payments at 9.00% APR the repayment amount would be $11.39 per $1,000 borrowed.
For 180 monthly payments at 9.00% APR the repayment amount would be $10.15 per $1,000 borrowed.
Personal Loans
Rates effective as of 05.01.2026Minimum Loan Amount Term in Months APR1
Rates As Low As
$500 12 10.12% $1,000 13-24 10.25% $2,500 25-36 10.37% $5,000 37-60 10.49% 1APR=Annual Percentage Rate. 60 monthly payments of $21.50 per $1,000 borrowed at 10.49% fixed APR. All rates will be determined by your credit history. Rates, terms and conditions are subject to change. All loans are subject to approval. Rates, terms and conditions subject to change.
Consumer Green Loans
Solar Loans (Primary Residence)
Rates effective as of 11.01.2025Minimum Loan Amount Maximum Loan Amount Term in Months APR1
Rates As Low As
$0 $100,000 1-96 6.49% $10,000 $100,000 97-180 6.74% $25,000 $100,000 181-240 6.74% 1 Your Annual Percentage Rate (APR) may be higher based on credit qualifications. The range of APR is 6.49% to 7.99%. Loan program, rates, terms and conditions are subject to change at any time without notice. All loans are subject to approval. Applicant must meet membership and account qualifications. Payment example may be higher depending on your credit history and other underwriting factors.
For 96 monthly payments at 6.49% APR the repayment amount would be $13.39 per $1,000 borrowed.
For 180 monthly payments at 6.74% APR the repayment amount would be $8.85 per $1,000 borrowed.
For 240 monthly payments at 6.74% APR the repayment amount would be $7.60 per $1,000 borrowed.
Solar Loans (Investment/Second Home)
Rates effective as of 11.01.2025Minimum Loan Amount Maximum Loan Amount Term in Months APR1
Rates As Low As
$0 $100,000 1-96 7.49% $10,000 $100,000 97-180 7.82% $25,000 $100,000 181-240 7.74% 1 Your Annual Percentage Rate (APR) may be higher based on credit qualifications. The range of APR is 7.49% to 8.99%. Loan program, rates, terms and conditions are subject to change at any time without notice. All loans are subject to approval. Applicant must meet membership and account qualifications. Payment example may be higher depending on your credit history and other.
For 96 monthly payments at 7.49% APR the repayment amount would be $13.89 per $1,000 borrowed.
For 180 monthly payments at 7.82% APR the repayment amount would be $9.46 per $1,000 borrowed.
For 240 monthly payments at 7.74% APR the repayment amount would be $8.21 per $1,000 borrowed.
-
Credit Cards
Credit Card Rate Schedule
Consumer Credit Cards Card Name Rate Description Effective Date Signature
Credit Card18.00% APR for Purchases1, Balance Transfers, Cash Advances 11.01.2026 Cash Back
Credit Card12.74%-18.00% APR for Purchases1, Balance Transfers, Cash Advances 11.01.2026 Points Rewards
Credit Card12.74%-18.00% APR for Purchases1, Balance Transfers, Cash Advances 11.01.2026 Business Credit Cards Card Name Rate Description Effective Date Business
Cash Back
Credit Card17.74%-18.00% APR for Purchases1, Balance Transfers, Cash Advances 11.01.2026 1 APR=Annual Percentage Rate. All rates will be determined by your credit history. Rates, terms and conditions are subject to change. All loans are subject to approval.