Credit union · NCUA insured
Valley Credit Union Credit Card Rates
Top CarrotValley Credit Union credit cards start at 10.75% 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 Salem, OR, where Valley Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Valley Credit Union
10.75%APR
- Up to
- 17.50% APR
MC Classic
Lowest rate
IBEW/SJ Cascade Federal Credit Union
9.99%APR
- Up to
- —
2nd-lowest rate
Teamsters Council #37 Credit Union
9.99%APR
- Up to
- 17.99% APR
Valley Credit Union credit card score
80
Credit card score
Higher than 52% of U.S. banks and credit unions
- Purchase APRPurchase APR10.75%
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.
MC Classic
Rates based on creditworthiness, credit history, and loan term. Membership requirements apply. No annual fee, application fee, cash advance fee, or balance transfer fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.75%–17.50% | None | Standard purchase APR. Penalty APR is 18.00%. |
| Intro, 6 months | 2.99% | None | Introductory rate on balance transfers for the first 6 months. |
Sources (1)
- valleycu.org/Loans/Credit-Cards · captured Oct 3, 2026
MC Rewards
Rewards credit card. Rates based on creditworthiness, credit history, and loan term. Membership requirements apply. No annual fee, application fee, cash advance fee, or balance transfer fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.75%–16.50% | None | Standard purchase APR. Penalty APR is 18.00%. |
| Intro, 6 months | 2.99% | None | Introductory rate on balance transfers for the first 6 months. |
Sources (1)
- valleycu.org/Loans/Credit-Cards · captured Oct 3, 2026
MC Secured
Secured credit card. Rates based on creditworthiness, credit history, and loan term. Membership requirements apply. No annual fee, application fee, cash advance fee, or balance transfer fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.75% | None | Standard purchase APR. Penalty APR is 18.00%. |
| Intro, 6 months | 2.99% | None | Introductory rate on balance transfers for the first 6 months. |
Sources (1)
- valleycu.org/Loans/Credit-Cards · captured Oct 3, 2026
Who can join Valley Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.