1/22/2019
Rates | Valley First Credit Union
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Apply (https://ws.loanspq.com/Consunier/login/default.aspx? enc2=CiDDG0gp6ViDEpMS0AmjlDlkTBaxklkl4U3fZRfUKMaDS8C680dsBG8T-lhvoiA55MCMzD6cgu4us7i6LrMP9amrGZ02CI9ITzdKBXaECoioUPXPVBmpikcPU4w30l x) Locations (/locations) Rates (/rates) Contact Us (/contact-us)
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VISA CREDIT CARDS
EFFECTIVE DATE: APRIL 10,2018
Platinum ScoreCard Visa
Platinum ScoreCard Visa Secured
Applicable Fees
APR1
Annual Fees
10.24%-20.24%
10.24%-20.24%
Late Payment: $10.00
Balance Transfer/Cash Advance: None
None
None
Over-the-Credit-Limit: None
Returned Payment: $25.00
1% of each transaction in US dollars (transaction made in foreign currency)
Foreign Transaction Fees
0.8% of each transaction in US dollars (transactions made in foreign currency, billed in US dollars)
1 APR =Annual Percen tage Ra te. Based on your creditworthiness. Your APR will vary with the market based on the Prime Rate. Visa Disclosure Information (/sites/www.valleyfirstcu.org/files/visa app and solicitation disclosure.pdf)
PERSONAL LOAN 2
EFFECTIVE DATE: MAY 24,2018
Minimum Loan Amount
Term in Months
APR1
As Low As
$500
12
8.99%
$1,000
24
8.99%
36
8.99%
enc2=CiDDG0gp6ViDEpMS0AmilDlkrBaxklkl4U3fZRfUKMaDS8C680dsBG8T-
lhvoiA55MCMzD6cgu4us7i6LrMP9aflHCTP2CI9ITzdKBXaECoioUPXPVBmpikcPU4w3OI x)
60
8.99%
1	APR-Annual Percentage Rate. All rates will be determined by your credit history. Rates, tqrfns and conditions are subject to change.
2	For 12 monthly payments at 8.99% APR the repayment amount would be $87.47per $1,000 borrowed.
2	For 24 monthly payments at 8.99% APR the repayment amount would be $45.70 per $1,000 borrowed.
2	For 36 monthly payments at 8.99% APR the repayment amount would be $31.81 per $1,000 borrowed.
LOGJftl- 60 monthly payments at 8.99% APR the repayment amount would be $20.77per $1,000 borrowed.
OVERDRAFT PROTECTION LINE OF CREDIT2
EFFECTIVE DATE: SEPTEMBER 1,2017
Minimum Loan Amount
Maximum Loan Amount
APR1
As Low As
$100
$5,000
17.40%
1 APR=Annual Percentage Rate. All rates will be determined by your credit history. Rates, termsand conditions are subject to change.
2Must have an open checking account and all account holders must be included in the application. Availability of Funds: Each advance is subject to availability of unused balance of credit line. Must advance in $100 increments. Repayment: Monthly payment of5% of outstanding balance or minimum of$25, whichever is greater.
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Routing Number: 321173522
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