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 12.49%-18.00% for purchases, balance transfers and cash advances, based on creditworthiness; variable: Prime Rate + 5.74%-15.74%, not to exceed 18% (rates as of 02/01/2026) after a No introductory APR introductory rate. Rewards: 1% cash back on net purchases; no limit.