Valley Credit Union
Verified rate book
Current Valley Credit Union rates
20 published offers verified as of August 4, 2026.
Auto & vehicle rates
7 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| New/Used Auto 2023 & Newerauto_any_48mo | 4.990% APR | 4.990% | 48 mo · any | Standard |
| New/Used Auto 2023 & Newerauto_any_60mo | 5.250% APR | 5.250% | 60 mo · any | Standard |
| New/Used Auto 2023 & Newerauto_any_72mo | 5.500% APR | 5.500% | 72 mo · any | Standard |
| 60-Month Used Auto Loan (2017–2022)auto_used_60mo | 5.990% APR | 5.990% | 60 mo · used | Standard |
| New/Used Auto 2023 & Newerauto_any_84mo | 6.250% APR | 6.250% | 84 mo · any | Standard |
| 72-Month Used Auto Loan (2017–2022)auto_used_72mo | 6.490% APR | 6.490% | 72 mo · used | Standard |
| 60-Month Used Auto Loan (2016 and Older)auto_used_60mo | 6.950% APR | 6.950% | 60 mo · used | Standard |
Personal loan rates
3 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Fully Shared Securedpersonal_secured_60mo | 4.500% APR | 4.500% | 60 mo | Standard |
| All Other Secured Advancespersonal_secured_60mo | 9.500% APR | 9.500% | 60 mo | Standard |
| 48-Month Unsecured Personal Loanpersonal_unsecured_48mo | 10.500% APR | 10.500% | 48 mo | Standard |
Credit card rates
2 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Visa Gold Credit Cardcredit_card | 10.880% APR | 10.880% | — | Standard |
| Visa Classic Credit Cardcredit_card | 12.600% APR | 12.600% | — | Standard |
Savings & CD rates
8 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 3-Month Certificatecd_3mo | 0.30% APY | 0.30% | 3 mo | Standard |
| 36-Month Certificatecd_36mo | 2.97% APY | 2.97% | 36 mo | Standard |
| 18-Month Certificatecd_18mo | 3.11% APY | 3.11% | 18 mo | Standard |
| 48-Month Certificatecd_48mo | 3.21% APY | 3.21% | 48 mo | Standard |
| 24-Month Certificatecd_24mo | 3.31% APY | 3.31% | 24 mo | Standard |
| 60-Month Certificatecd_60mo | 3.41% APY | 3.41% | 60 mo | Standard |
| 6-Month Certificatecd_6mo | 3.50% APY | 3.50% | 6 mo | Standard |
| 12-Month Certificatecd_12mo | 3.70% APY | 3.70% | 12 mo | Standard |
Auto loans available from 4.99% APR for 48 months. Personal loan rates from 4.5% APR. Credit card rates from 10.88% APR. Savings and certificate yields up to 3.70% APY.
Source: RateAPI.dev, verified from Valley Credit Union's official website
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About Valley Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 6.1K
- Assets
- $111.3M
- Founded
- 1956
- Locations reported
- 7
- NCUA charter
- 60930
- Charter type
- Federally insured state-chartered credit union
Services and member support
- Online membership application
- Open an account online
- Electronic statements
- Mobile check deposit
- Mobile payments
- Financial education
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.
Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.
Who Can Join Valley Credit Union
Membership eligibility from Valley Credit Union's own published criteria. How we verify this.
Community charter: live/work in Colbert, Franklin, Lawrence +3 more, AL
- LocationColbert, Franklin, Lawrence, Lauderdale, Marion, Winston — AL
Cost to join: About $25.
Verified from Valley Credit Union's membership page. Final membership determination is always made by the credit union.
Work at Valley Credit Union?
This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Valley Credit Union ranks against Alabama peers.
Frequently Asked Questions
What rates does Valley Credit Union offer?
Valley Credit Union currently offers Auto loan, personal loan, and credit card rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.
How often are Valley Credit Union rates updated?
RateAPI verifies Valley Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.
Where does RateAPI get Valley Credit Union's rate data?
Rate data is collected directly from Valley Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What are Valley Credit Union's auto loan rates?
As of August 4, 2026, Valley Credit Union offers auto loans from 4.99% APR.
What is Valley Credit Union's personal loan rate?
As of August 4, 2026, Valley Credit Union offers personal loans from 4.5% APR.
What is Valley Credit Union's best CD rate?
As of August 4, 2026, Valley Credit Union offers savings and certificate (CD) yields up to 3.70% APY.
Related Rate Data
Compare Valley Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.
View MethodologyTrack Valley Credit Union rates
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# Get rates for Valley Credit Union
curl "https://api.rateapi.dev/credit-unions/alabama/valley" \
-H "Authorization: Bearer YOUR_API_KEY"