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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.


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.




Vehicle 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, motor homes, 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 October 19, 2011. All rates are subject to change without notice.
  • Selection of Credit Disability or Credit Life will not increase monthly payments.

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 October 19, 2011. All rates subject to change without notice.

VEHICLE LOANS

            Rates as low as...
4.75% APR**   66 month term
4.79% APR**   78 month term - Minimum loan $10,000
5.79% APR**   84 month term - Minimum loan $40,000
 
  • CURRENT MODELS: 2010 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 Motorcycles, 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 90% financing of MSRP or RBV.
 

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Effective October 19, 2011. All rates subject to change without notice.

Motorhome, Boat & RV LOANS

            Rates as low as...

6.75% APR**   66 month term
7.79% APR**   78 month term - Minimum loan $10,000
     

Motorhomes and Boats in excess of $20,000

5.79% APR**   84 month term
     

Motorhomes and Boats ONLY in excess of $30,000

6.79% APR**   120 month term
     

Motorhomes and Boats ONLY in excess of $50,000

7.79% APR**   180 month term
     
  • CURRENT MODELS: 2009 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 90% financing of MSRP or RBV.

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Effective October 19, 2011. All rates subject to change without notice.

HOME EQUITY LINE OF CREDIT

Rates as low as Bank Prime

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. Floor rate is 5.00%.

Fee Free - add 1.50%

Variable First   .50%  APR+ based on qualifications
Variable Second 1.25%  APR+ based on qualifications
Non-Owner Variable First 1.75%  APR+ based on qualifications
     
+ APR = Annual Percentage Rate

Return to Top   Effective October 19. All rates subject to change without notice.

"REWARDS" REAL ESTATE LOANS

Starting Rates are as low as 4.39%

The longer the loan is with us, the lower the rate for the loan - Rates are reduced by .20% for every 5 Years of Loan Term.  Rates are not based upon an index or direction of the economy.  Your rate reduction is GUARANTEED.  Rates are based on qualifications.  80% LTV.  20 and 30 year balloon options available.  Ask the Loan Department for details.

           
           

2nd Trust Deed

+1.00%

     
Non- Owner       

+1.75%

  with a maximum LTV 75%

 

 

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Effective October 19, 2011. All rates subject to change without notice.