Welcome to Valley Credit Union's website! Please, click here to email us if you need assistance for any reason.
Valley Credit Union can issue personal loans for everything from bill consolidation to new furniture and appliances, from medical expenses to vacations.
| Loan Type | Term¹ | APR² | Repayment Amounts Per Month Based on $1000 Borrowed |
|---|---|---|---|
| Personal Loans | 48 months | 10.50%-17.15% | $26.00 |
| All Other Secured Advances | 48 months | 9.50%-13.90% | $26.00 |
| Certificate Secured Loans | Certificate term | Certificate rate +3.00% | $18.50 |
| Fully Shared Secured | 60 months | 4.50% | $19.00 |
| Visa Classic Credit Card | 12.60% | ||
| Visa Gold Credit Card | 10.88% |
Apply for a Loan Online
Apply for a Credit Card, Personal Loan or Vehicle Loan at your convenience. Log in to VCU@Home to fill out an application today!
¹ Conditions apply, and terms may be limited by loan amount, credit history and other factors. Not all collateral items qualify for terms shown.
² The Annual Percentage Rate (APR) you receive will be based on your credit worthiness. Please ask us about your qualifying rate. The rate may vary depending on each individual's credit history and underwriting factors. For more information, please contact Valley Credit Union at 256-381-4800. All rates, programs, terms and conditions are subject to change without notice.
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.
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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.
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Tuscumbia
Russellville
Muscle Shoals
Sheffield
Cherokee
Florence
EZ Talk
Member Services
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2024 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
© 2024 Valley Credit Union. All Rights Reserved.