The Valley First Credit Union is a home equity line of credit from Valley First Credit Union. The annual fee is No annual fees, no draw fees. The ongoing APR is Introductory 5.49% APR fixed for the first 12 months from funding; then variable: Wall Street Journal Prime Rate + 0.00% to 2.25% margin depending on creditworthiness; current minimum variable APR 7.00%, maximum 18.00% (effective 10.01.2026). Typical credit limit: $25,000 to $1,500,000. Loan terms: 10-year draw period, 15-year repayment.