Join Valley Credit Union

Enjoy anytime funds, anywhere purchasing power, and nearly any perk you could want — from rewards to low rates.


Key Features

  • Competitive Rates
  • Anytime Funds
  • Earn Rewards
  • Build Credit


Balance transfers as low as 1.99% APR1 for 6 months!

Rates as low as 14.99% APR1 after 6 months!

REWARD yourself with Valley's Platinum REWARDS Visa®. You earn 1 point per $1 spent on every purchase with uChoose Rewards®. No minimum purchase amount to qualify, no maximum purchase amount can be earned in a year. You can cash in your REWARDS whenever you want2

  • No Annual Fee
  • Earn 1 point per $1 spent
  • uChoose Rewards® (FAQs)
  • Much lower rate than most rewards credit cards
  • Points expire after 5 years
  • Manage your cards with Visa® Account Updater

Visa® Disclosure

Balance transfers as low as 1.99% APR1 for 6 months!

Rates as low as 12.99% APR1 after 6 months!

If you want a credit card with a great interest rate and no frills, this is the card for you. It offers competitively low rates, and the convenience that Visa® offers, to use anywhere, anytime, for qualified members. 

Visa® Disclosures

No credit history or some past credit challenges? No problem with Valley's Secured card, you can go a long way in building your credit. Works like any other card and can be used wherever Visa® credit cards are accepted.

If you would like to transfer the balance from your high interest credit card over to your Valley credit card do the following:

  • Have your payoff information ready
    • Credit Card Account Number
    • Payoff Address
    • Payoff Amount
  • Login to credit card site
    • Menu (upper right)
    • Manage Card
    • Balance Transfer
  • Call 877-223-4006

Life is unpredictable. You may worry about unexpected, real-life events that could leave you scrambling to pay your monthly bills. Debt Protection can help relieve financial pressure in the event of death, disability or involuntary unemployment.

With Debt Protection, your loan balance or monthly loan payments will be canceled without penalty or added interest in accordance with your plan choice. You benefit from the peace of mind knowing you and your credit rating are protected.

Your choice on this product does not affect our credit decision.

1APR=Annual Percentage Rate. 1.99% introductory APR is based on credit scores over 700. 1.99% balance transfer is a promotional rate offer and is available for balances transferred from another financial institution to a Valley Credit Union VISA® for a limited time and applies to 6 statement cycles. Rate will return to normal rate as low as 12.99% APR for Platinum Visa® and 14.99% APR for Platinum Rewards Visa®. This APR will vary with the market based on the Prime Rate. Account must be in good standing to qualify for this offer. Share Secured Credit Cards not eligible. Other VISA® rates and terms available. Rates effective December 1st, 2023.

2The minimum amount of REWARDS points that can be requested for redemption is 1500=$15. Cash advances and balance transfers do not qualify for REWARD points.

3Secured Card requires a deposit to your Share Savings account equivalent to the amount approved.