The Valley First Credit Union is a personal loan from Valley First Credit Union. The ongoing APR is Solar loans, primary residence: as low as 6.24% (1-96 months), 6.49% (97-180), 6.74% (181-240), APR range 6.24% to 7.99%; investment/second home: as low as 7.24% to 7.74%, APR range 7.24% to 8.99% (rates effective 09.08.2025). Typical credit limit: Up to $100,000 (minimum $10,000 for 97-180 months and $25,000 for 181-240 months). Loan terms: 1-240 months.