Title Loans-new program*
Limit-$2,500.00+$15.00 transfer fee
Term-18 months
Rate-18%
Must have clear title and current registration in member’s name
Credit Union must verify VIN on vehicle
Valley Hills FCU to be made Lienholder
Proof of Insurance at time of funding
No outside credit requirements
No income verification required
Not to exceed 50% LTV of low Kelly Blue Book-fair condition.
Member of the credit union for at least 2 months
No 30 or more days past due in the last 6 months
Must have loan payment payroll deducted
Only vehicles, not motorcycles, recreation vehicles, boats, etc.
Employed continuously with current employer for 1 year
ANY prior negative history with credit union must be reviewed by BOD
*Student workers of any classification are not eligible for the Title loans.
Term-18 months
Rate-18%
Must have clear title and current registration in member’s name
Credit Union must verify VIN on vehicle
Valley Hills FCU to be made Lienholder
Proof of Insurance at time of funding
No outside credit requirements
No income verification required
Not to exceed 50% LTV of low Kelly Blue Book-fair condition.
Member of the credit union for at least 2 months
No 30 or more days past due in the last 6 months
Must have loan payment payroll deducted
Only vehicles, not motorcycles, recreation vehicles, boats, etc.
Employed continuously with current employer for 1 year
ANY prior negative history with credit union must be reviewed by BOD
*Student workers of any classification are not eligible for the Title loans.
We've lowered some of our loan rates-see loan rate page for changes!!!!!
Have you always wanted to join the credit union, but just didn’t have the required funds up front? We just made it easier for you!
Beginning immediately and until December 31, 2015, we are waiving the $1.00 membership fee and giving you your first $5.00 deposit.* We will also waive the required $50 initial deposit as long as you sign up for a minimum payroll deduction of $10.00. That means that you need no funds to join the credit union! Come and join our family, we are looking forward to providing you with excellent service.
*If account is closed within the first 6 months of opening, $5.00 will be returned to the credit union.
Beginning immediately and until December 31, 2015, we are waiving the $1.00 membership fee and giving you your first $5.00 deposit.* We will also waive the required $50 initial deposit as long as you sign up for a minimum payroll deduction of $10.00. That means that you need no funds to join the credit union! Come and join our family, we are looking forward to providing you with excellent service.
*If account is closed within the first 6 months of opening, $5.00 will be returned to the credit union.
NOW OFFERING GAP COVERAGE ON VEHICLE LOANS
We are now offering GAP coverage on vehicle loans. Low cost of $295. You may purchase it for an existing loan. Call for details (909) 384-4498
INCREASE MY WEALTH LOAN
We know how hard it is to save, so we’ve put together a program to help you do just that. We’ll loan you $1,000 to $10,000, at 4% for 1-5 years; put it back into a special savings account that is frozen until the loan is paid. You’ll build/establish credit and have a savings.
WE'VE LOWERED OUR CAR/TRUCK LOAN RATES!!
See Products and Services or Rates page-as low as 1.70%
"Trade Your Car/Truck Loan In"
Trade your car/truck loan in and we'll lower your rate by 1% (not to be lower than 1.70%)
110% of high Blue Book Value
No change in term
110% of high Blue Book Value
No change in term
Need Cash Now Loan*
- In an effort to steer members away from payday lenders that charge those outrageous interest rates (over 100%) and high fees, the credit union has put together a product that will require NO credit report or income verification.
· $500.00, maximum 6 month term
· Must be employed with the same employer for at least 1 year (verified) and a member of the credit union for at least 2 months.
· $20.00 fee
You should be able to walk up to the counter and walk away with the money!!
Call credit union for complete qualifications
* Student workers of any classification are not eligible for the Need Cash Now loans.
VISA GIFT CARDS
Loadable from $10.00-$1,000.00
Purchase them with a withdrawal from your account or cash
Low purchase fee of $5.00
Purchase them with a withdrawal from your account or cash
Low purchase fee of $5.00
