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Loans and Rates
As a Member-Owner of 1st Valley Credit Union you have the benefit of taking advantage of our creative, low rate loans


Looking for a 30 or 40 year mortgage?

We have flexible loan programs specially designed to meet your needs.

Click on the account type below for current rates and more information.

Signature Loans
A convenient way to borrow up to $20,000 to pay off unexpected bills, go on that dream vacation, or any other purpose.


VISA
Rates as low as 10.25% APR based on qualifications. Savings secured VISA accounts are 8.95% APR.


Saving Secured Loans
Give yourself a loan. Savings Secured loans are made at the share rate of the funds pledged plus 3.00%. Rate varies with investments pledged. IRA accounts can not be pledged.


Real Estate Loans
Own your dream home with a dream loan from 1st Valley Credit Union. Take the uncertainty out of adjustable rate loans with our new Step-Up Loan.




Auto Loans
Don't get taken for a ride with dealer financing. Financing your next car is as easy as a phone call to our loan office.
  • Convenient terms
  • Low rates (see below)
  • Special rate reductions for qualified buyers
  • Used car loans at New car rates
ORDER YOUR CAR ONLINE With our car buying partners you may never have to visit a dealer again.

 Click Here for more information.

We finance motorcycles, motorhomes, boats and more!


Home Equity Loans
Put the equity in your home to work for you. With rates as low as Bank Prime there's no reason to delay getting the cash you need.

NOTES

  • Effective June 24, 2008. All rates are subject to change without notice.
  • Selection of Credit Disability or Credit Life will not increase monthly payments.
  • Gap Plus insurance is required for qualified vehicles financed for 60 months or longer, or those financed for more than 80% LTV. (Ask the loan department for details).
  • Each bracket may be expanded by 5 points for each five years of employment or 1st Valley CU Membership.

SIGNATURE LOANS

Rates are as low as 10.35% APR*

Length of membership and employment is considered for rate determination. Closed-end, Open-end, and Open-end Line of Credit loans are available.

*APR= Annual Percentage Rate.  Rate listed above includes a reduction of .50% for having 1st Valley CU Checking with Direct Deposit of at least $300 per month (Excludes Visa and Real Estate Loans).

Return to Top Effective June 24, 2008. All rates subject to change without notice.

AUTO & MOTORCYCLE LOANS

 
5.75% APR**   66 month term
6.25% APR**   78 month term - Minimum loan $10,000
7.20% APR**   84 month term - Minimum loan $40,000
 
  • CURRENT MODELS: 2003 year models and newer or retail book value in excess of $15,000.
  • For older models or vehicles with retail book values less than $15,000 add 1.00%.
  • For vehicles with more than 100K miles, add 1.00%.
  • For Motorcylcles, add 2% for terms 78 months or less.
  • Deduct .25% for 80% financing.
**APR= Annual Percentage Rate.  Rates listed above includes a reduction of .50% for having 1st Valley CU Checking with Direct Deposit of at least $300 per month (Excludes Visa and Real Estate Loans).  Individual rates are based upon the percent of price financed, term of the loan, and applicant's credit history.  Based on 100% financing of MSRP or RBV.
 

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Effective June 24, 2008. All rates subject to change without notice.

Motorhome, Boat & RV LOANS

7.75% APR**   66 month term
8.25% APR**   78 month term - Minimum loan $10,000
     

Motorhomes and Boats in excess of $20,000

7.20% APR**   84 month term
     

Motorhomes and Boats ONLY in excess of $30,000

7.40% APR**   120 month term
     

Motorhomes and Boats ONLY in excess of $50,000

8.10% APR**   180 month term
     
  • CURRENT MODELS: 2003 year models and newer or retail book value in excess of $15,000.

  • For older models or vehicles with retail book values less than $15,000 add 1.00%.

  • For vehicles with more than 100K miles, add 1.00%.

  • Deduct .25% for 80% financing.

**APR= Annual Percentage Rate.  Rates listed above includes a reduction of .50% for having 1st Valley CU Checking with Direct Deposit of at least $300 per month (Excludes Visa and Real Estate Loans).  Individual rates are based upon the percent of price financed, term of the loan, and applicant's credit history.  Based on 100% financing of MSRP or RBV.

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Effective June 24, 2008. All rates subject to change without notice.

HOME EQUITY LINE OF CREDIT

HELOC Loan rates are Bank Prime plus the percentage listed below.

Rates for all real estate loans are the lowest rate. Individual rates are based upon the percent of price financed, term of the loan and the applicant's credit history. Rates listed are for 80% LTV

Fee Free - add 1.50%

Variable First 1.00%  APR+ based on qualifications
Variable Second 1.75%  APR+ based on qualifications
Non-Owner Variable First  2.25%  APR+ based on qualifications
     
+ APR = Annual Percentage Rate

Return to Top   Effective June 24, 2008. All rates subject to change without notice.

STEP UP REAL ESTATE LOANS

THE RATE CHANGES ONLY ONCE EVERY FIVE YEARS AT PRESET RATES!!

Rates for all real estate loans are the lowest rate. Individual rates are based upon the percent of price financed, term of the loan and the applicant's credit history. (Add 0.50% for non-owner)

  Years 1 - 5 Years 6 - 10 Years 11 - 15 Years 16 - 20  
15 Year First (Option 1) 5.75% APR+ 5.95% APR+ 6.15% APR+ N/A  
15 Year First (Option 2) 5.65% APR+ 5.95% APR+ 6.25% APR+ N/A  
15 Year Second 5.80% APR+ 6.00% APR+ 6.20% APR+ N/A  
20 Year First (Option 1) 5.75% APR+ 5.95% APR+ 6.15% APR+ 6.35% APR+  
20 Year First (Option 2) 5.80% APR+ 6.00% APR+ 6.20% APR+ 6.40% APR+  
Hybrid Loans:          
20 Year First (5/5/10) 5.75% APR+ 6.05% APR+ 7.25% APR+ N/A Balloon or refinance at current rates
30 Year - 1st Fixed 7 / One (1) Year Variable thereafter 6.95% APR+

+ APR = Annual Percentage Rate
There is a limited amount of funds available for 15 year,1st Fixed at 6.25% - funding subject to availability.

 

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Effective June 24, 2008. All rates subject to change without notice.