Equal Housing Lender
Virtual Branch Online Banking

Loans

We attempt to provide prompt, convenient service when loan applications are submitted. Normally, loan requests can be approved within the same day that they are submitted. However, additional information may be needed, or other circumstances may delay the approval process. Home Equity and First Mortgage loans will require more time. Loan applications are available at either location and can be submitted in person, by fax, via e-mail or USPS. Loan applicants must be credit union members and must have proof of income. A current pay stub or 1099 tax form is required.

Loan Types & Terms:

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New Vehicles
Used Vehicles
Boats
Motorcycles
Campers
Signature
Share Secured
1st Mortgage
Certificate of Deposit
Home Equity
Visa Credit Cards
Debt Protection

CAUSE A LOSS POLICY:
It is the policy of Valley 1st Community FCU to deny future credit related services (e.g. Loans and Credit Cards) as well as ATM services, share draft privileges, dividends and pre-authorized transfers to any member who has an existing credit obligation in default or has engaged in any transaction that has caused this Credit Union to suffer a pecuniary loss. If however, the credit obligation is reaffirmed or otherwise voluntarily repaid or the member cures any loss or expense with respect to the matter, then, the member will remain eligible for credit related and other services as though the default or potential loss had not occurred.


Signed:
Board of Directors
Board of Directors
December 31, 2009

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