Welcome to Valley Credit Union's new website! Please, click here to email us if you need assistance for any reason.

Mortgages

**New Mortgage Options Now Available**

With great low mortgage rates, there is no better time to purchase your dream home or refinance an existing mortgage. Valley Credit Union has several loan options including our great 5 and 5 Adjustable Rate Mortgage, featuring a low fixed rate for the first five years and rate adjustments every five years for up to 30 years. Our 5 and 5 loan gives the stability of a fixed-rate loan by providing longer periods between adjustments. We also offer other fixed-rate mortgage options. Call or come by to talk to a Mortgage Loan Officer today!

IN-HOUSE REAL ESTATE LOANS - APR

3 and 1 Adjustable Rate Mortgage - 15 and 20 Year - 8.15% & 8.32%

5 and 5 Adjustable Rate Mortgage 30 year - Call for rate

Fixed Rate Mortgage 15 year - 8.15%

Fixed Rate Mortgage 20 year - 8.32%

Call us today to learn about our 15 and 20 year fixed-rate and variable-rate first mortgages with low closing costs.

Loans & Credit Cards

Join the VCU Family

At Valley Credit Union you are more than a member, you are family. Join the VCU family today by opening a Share Account at any branch location.

Find an ATM Near You

Valley Credit Union is proud to be a participant in the CO-OP network. CO-OP's nearly 30,000 ATMS and 5,000+ shared branches means you have more direct, surcharge-free access to your money than most traditional bank customers do. To view a listing of all CO-OP's locations please click the link below.

Find ATMs

Sign Up For TruStage Today!

TruStage offers insurance for your life, your auto, and home. Their products and programs are designed for credit union members. You deserve competitive rates, helpful guidance, and simple, straightforward insurance brought to you by your credit union.

Sign Up Now

Locations

  • Tuscumbia

  • Russellville

  • Muscle Shoals

  • Sheffield

  • Cherokee

  • Florence

  • EZ Talk

National Credit Union Administration
Equal Housing Opportunity

2020 Valley Credit Union. All Rights Reserved. Federally insured by the NCUA. *All loans are subject to credit approval. Certain restrictions may apply. *APR is Annual Percentage Rate. **APY is Annual Percentage Yield.

Routing Number: 262277354

Institution NMLS ID# 409924

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