The Valley Strong Credit Union is a personal loan from Valley Strong Credit Union. The ongoing APR is Fixed APR based on credit: up to 24 months 11.00%-26.00%; up to 36 months 12.00%-26.00%; up to 48 months 13.00%-26.00%; up to 60 months (loans over $10,000) 14.00%-26.00% (rates effective 1/2/2026); members can qualify for up to 0.5% additional rate discounts. Loan terms: Up to 60 months; fixed rate; no prepayment penalty.