The Valley First Credit Union is a mortgage from Valley First Credit Union. The ongoing APR is Conforming 15 Year Fixed: 6.750% interest rate, 7.579% APR, 1.000% points; Jumbo 15 Year Fixed: 7.375% rate, 8.406% APR, 2.500% points (effective October 13, 2026). Loan terms: 15-year fixed-rate term.