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Rates
The Valley Rates
Rates effective as of 1/1/2026. Fees may reduce earnings.
APY = Annual Percentage Yield. APR = Annual Percentage Rate.
Savings Accounts
|
Account |
Minimum Balance |
Rate |
|---|---|---|
|
Share Savings |
$10 |
0.25% |
|
Club Accounts |
$10 |
0.30% |
|
Preferred Checking |
$1,000 |
0.02% |
|
6 Month Certificate* |
$1,000 |
0.75% |
|
1 Year Certificate* |
$1,000 |
1.00% |
|
8 Month Certificate** |
$1,000 |
3.50% |
**Available for a Limited Time.
All rates are subject to change without notice. Contact the credit union for complete details.
*Penalty for early withdrawal.
Auto Loans
|
Model Year |
Rate |
|---|---|
|
2018 – 2025 |
As low as 5.00% |
|
2012 – 2017 |
As low as 6.80% |
|
2011 & Older |
As low as 8.20% |
Conditions: Mileage in excess of 150,000 limits loan amount based on NADA value. Terms greater than 63 months only available on vehicles 2018 and newer, with a loan amount of $15k or greater and mileage less than 50,000 miles. If total amount of loan is less than 80% of the MSRP or NADA retail value, a rate reduction of .50% will be applied. Rates listed are valid for new purchases & refinances from other lenders only. First due date must not exceed 45 days from the date of contract.
Rates quoted are lowest available rates. Actual rates are subject to membership eligibility and creditworthiness. Rates are subject to change without notice. One percent should be added to the published rate in the event of adding additional money to an existing in-house loan for car repairs, bill consolidation or using a title to a vehicle as collateral to secure an in-house loan. Floor rate is 4.50% APR, (except where indicated above) and 17.99% is the maximum rate. Please contact the credit union for current loan rates and loan details.
Other Collateralized Loans
|
Model Year |
Rate |
|---|---|
|
New & Used |
As low as 5.29% |
Conditions: Increase rate by 2% for items with no serial number.
100% financing available on loans up to $15k. All other loans require money down or trade equity.
Rates quoted are lowest available rates. Actual rates are subject to membership eligibility and creditworthiness. Rates are subject to change without notice.
Floor rate is 5.29% APR. First due date must not exceed 45 days from date of contract.
Please contact the credit union for current loan rates and loan details.
Motorsports Loans (Motorcycles & ATVs)
|
Model Year |
Rate |
|---|---|
|
2020 – 2025 |
As low as 5.39% |
|
2014 – 2019 |
As low as 5.89% |
|
2013 & Older |
As low as 6.29% |
Conditions: If total loan amount is less than 80% of the MSRP or NADA retail value of the vehicle, a rate reduction of .50% will be applied.
Rates quoted are lowest available rates. Actual rates are subject to membership eligibility and creditworthiness. Rates are subject to change without notice. Floor rate is 4.89% ARP. First due date must not exceed 45 days from the date of contract.
Please contact the credit union for current loan rates and loan details.
Boats
|
Model Year |
Rate |
|---|---|
|
New |
As low as 5.39% |
|
Used |
As low as 5.89% |
Conditions: If total loan amount is less than 80% of the MSRP or NADA retail value of the vehicle, a rate reduction of .50% will be applied.
Rates quoted are lowest available rates. Actual rates are subject to membership eligibility and creditworthiness. Rates are subject to change without notice. Floor rate is 4.89% ARP.
First due date must not exceed 45 days from the date of contract.
Please contact the credit union for current loan rates and loan details.
RV’s & Campers
|
Model Year |
Rate |
|---|---|
|
New |
As low as 5.29% |
|
Used |
As low as 6.89% |
Rates quoted are lowest available rates. Actual rates are subject to membership eligibility and creditworthiness. Rates are subject to change without notice. Floor rate is 4.79 APR, and 17.99% is the maximum rate. Terms greater than 60 months only available on 2018 and newer models with a loan amount of $15,000 or greater. If total amount financed is less that 80% of the MSRP or NADA retail value of the model, a rate reduction of .50% will be applied. First due date must not exceed 45 days from the date of contract. Please contact the credit union for current loan rates and loan details.
Personal Loans
|
Type |
Rate |
|---|---|
|
Closed End Signature Loan |
As low as 6.90% |
|
Open End Signature Loan |
As low as 8.90% |
|
Share Secured |
3.00% above dividend |
Rates quoted are lowest available rates. Actual rates are subject to membership eligibility and creditworthiness. Rates are subject to change without notice. First due date must not exceed 45 days from the date of contract. Please contact the credit union for current loan rates and loan details.
Visa® Credit Cards
|
Card Type |
Rate |
|---|---|
|
Visa Platinum |
6.90% |
|
Visa Classic |
12.50% |
Rates quoted are lowest available rates. Actual rates are subject to membership eligibility and creditworthiness. Rates are subject to change without notice. Please contact the credit union for current rates and details.