The Valley Strong Credit Union is a personal loan from Valley Strong Credit Union. The ongoing APR is 0% APR (no interest) with proof of being a school employee. Approval typically requires a credit score of No credit qualifying or higher. Typical credit limit: Up to $1,000. Loan terms: Terms up to 10 months (example: $1,000 for 10 months at 0% APR = $100 monthly payments).