The Valley First Credit Union is a personal credit card from Valley First Credit Union. The annual fee is $0 (Annual Fees: NONE). The ongoing APR is 18.00% for purchases, balance transfers and cash advances; variable: Prime Rate + 11.74%, not to exceed 18% (rates as of 02/01/2026) after a No introductory APR introductory rate. Rewards: 1.5% cash back on net purchases; no categories to manage.