The Valley First Credit Union is a mortgage from Valley First Credit Union. The ongoing APR is Conforming 30 Year Fixed: 7.125% interest rate, 7.659% APR, 1.125% points; Jumbo 30 Year Fixed: 8.375% rate, 8.899% APR, 1.125% points (effective October 13, 2026). Approval typically requires a credit score of Minimum credit score of 740 or higher. Loan terms: 30-year fixed-rate term.