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.
A convenient way to borrow up to $20,000 to pay off unexpected bills, go on that dream vacation, or any other purpose.
Rates as low as 10.25% APR based on qualifications. Savings secured VISA accounts are 8.95% APR.
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.
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.
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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!
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.
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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.
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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).
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Effective
June 24, 2008. All rates subject to change without notice. |
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AUTO & MOTORCYCLE LOANS |
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| 5.75% APR**
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66 month term |
| 6.25% APR** |
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78 month term - Minimum loan
$10,000 |
| 7.20% APR** |
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84 month term - Minimum loan
$40,000 |
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- 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.
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**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. |
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Motorhome, Boat & RV LOANS
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| 7.75% APR**
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66 month term |
| 8.25% APR** |
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78 month term - Minimum loan
$10,000 |
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Motorhomes and Boats in
excess of $20,000 |
| 7.20% APR** |
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84 month term |
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Motorhomes and Boats
ONLY in excess of $30,000 |
| 7.40% APR** |
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120 month term |
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Motorhomes and Boats
ONLY in excess of $50,000 |
| 8.10% APR** |
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180 month term |
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CURRENT MODELS: 2003 year models and newer
or retail book value in excess of $15,000.
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For older models or vehicles with retail
book values less than $15,000 add 1.00%.
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For vehicles with more than 100K
miles, add 1.00%.
-
Deduct .25% for 80% financing.
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**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. |
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HOME EQUITY LINE OF CREDIT |
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HELOC Loan rates are
Bank Prime plus the percentage listed
below. |
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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 |
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| + APR =
Annual Percentage Rate
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Effective
June 24, 2008. All rates subject to change without notice. |
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STEP
UP REAL ESTATE LOANS |
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THE RATE CHANGES ONLY ONCE EVERY FIVE YEARS AT PRESET RATES!! |
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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) |
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Years 1 - 5 |
Years 6 - 10 |
Years 11 - 15 |
Years 16 - 20 |
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| 15 Year First
(Option 1) |
5.75% APR+ |
5.95% APR+ |
6.15% APR+ |
N/A |
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| 15 Year First
(Option 2) |
5.65% APR+ |
5.95% APR+ |
6.25% APR+ |
N/A |
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| 15 Year Second |
5.80% APR+ |
6.00% APR+ |
6.20% APR+ |
N/A |
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| 20 Year First
(Option 1) |
5.75% APR+ |
5.95% APR+ |
6.15% APR+ |
6.35% APR+ |
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| 20 Year First
(Option 2) |
5.80% APR+ |
6.00% APR+ |
6.20% APR+ |
6.40% APR+ |
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| 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. |
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