Credit union · NCUA insured
Valley Credit Union Credit Card Rates
Valley Credit Union credit cards start at 10.88% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Valley Credit Union’s credit card rates compare
Compared with banks and credit unions near Florence, AL, where Valley Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Valley Credit Union
10.88%APR
VISA Gold Credit Card
Lowest rate
Florence Federal Credit Union
8.99%APR
2nd-lowest rate
TVA Community Credit Union
9.95%APR
Valley Credit Union credit card score
80
Credit card score
Higher than 52% of U.S. banks and credit unions
- Purchase APRPurchase APR10.88%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Valley Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
VISA Classic Credit Card
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.60% | None | — |
Sources (3)
- valleycreditunion.net/personal-loans
- valleycreditunion.net/consumer-loans
- valleycreditunion.net/credit-cards
All captured Oct 7, 2026
VISA Gold Credit Card
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.88% | None | — |
Sources (3)
- valleycreditunion.net/personal-loans
- valleycreditunion.net/consumer-loans
- valleycreditunion.net/credit-cards
All captured Oct 7, 2026
Who can join Valley Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, or attend school in Colbert, Franklin, Lawrence, Lauderdale, Marion, or Winston County, Alabama are eligible for membership.
Cost to join
- A minimum deposit of $25 in a Share Account is required to open a membership.
Membership information collected October 4, 2026.