Credit Unions | Valley Credit Union | Branches | Main Branch

Valley Credit Union : Main Branch

2096 Mission St Se
Salem, OR 97302

Your current location is: New York City, NY

Valley Credit Union : Main Branch — distance 2462.85

Deposit Rates - April 03, 2026

CD RATES	APY	MIN	MAX
6 Mo CD	1.75%	$500	-	Compare
9 Mo CD	3.70%	$500	-	Compare
12 Mo CD	2.00%	$500	-	Compare
24 Mo CD	2.25%	$500	-	Compare
36 Mo CD	2.50%	$500	-	Compare
48 Mo CD	2.60%	$500	-	Compare
60 Mo CD	2.70%	$500	-	Compare

Featured Home Equity Rates in Oregon

Lender APR(%) Min.Initial
Draw Amount Learn More
Sponsored

Advertiser Disclosure

Upstart Home Lending
NMLS ID: 2443873 / Updated 2026-04-03

As low as 6.52% APR on your initial draw*

As low as 6.52% APR on your initial draw*
Get your money up to 15x faster than the industry standard**
Fixed rate on each draw **
No paperwork needed to apply

Third Federal Savings and Loan
NMLS ID: 449401 / Updated 2026-03-04
Equal Housing Lender

Intro APR: 6.240 %
After Intro:6.240 %

Third Federal rate are typically 20% lower than other leaders
Guaranteed Lowest Rate
No closing costs, prepayment penalties, or minimum draw requirements
10 year draw period

Achieve Loans
NMLS ID: 1810501 / Updated 2026-04-02

Intro APR: 6.740 %
After Intro:6.740 %

Competitive rates, Pre-qualify in minutes
Mortgage Advisors standing by to help find the best solution
Flexible terms with fast funding
Minimum credit score: 600

Farmers Bank of Kansas City
NMLS ID: 613839 / Updated 2026-03-20
Equal Housing Lender

Intro APR: 6.750 %
After Intro:6.750 %

$25,000

Customized Rate Quote
24/7 Online Borrower Portal
Streamlined Online Application
Up to 100% LTV

Valley Strong Credit Union
NMLS ID: 456506 / Updated 2025-10-29
Equal Housing Lender

Intro APR: 6.950 %
After Intro:6.950 %

$15,000

Get your offer in 5 minutes and funding in as few as 5 days
Personalized banking solutions to help reach your financial goals
Up to $400K
Terms of 10,15, or 30 years

Figure Home Equity
NMLS ID: 1717824 / Updated 2025-09-22

Intro APR: 6.950 %
After Intro:6.950 %

$15,000

Flexible terms, borrow $15K-$750K, redraw up to 100%
Use to consolidate debt or finance your next home project
100% digital app & automated valuation
Largest non-bank HELOC lender in the US

Four Leaf Federal Credit Union
NMLS ID: 449104 / Updated 2025-12-22

Intro APR: 5.990 %
After Intro:7.000 %
Intro Period: 12 months

$25,000

Tap into your home's equity & access the funds you need with a HELOC
Apply online or speak with a specialist
No application, origination & appraisal fees on lines up to $500K

Splash Financial
NMLS ID: 1630038 / Updated 2026-02-16
Equal Housing Lender

Intro APR: 7.375 %
After Intro:7.375 %
Intro Period: 7 months

$25,000

Borrow up to $500,000*
Apply 100% online in minutes with a user-friendly platform
Check your rate without affecting your credit **
Tap into home equity today

Upstart Home Lending
NMLS ID: 2443873 / Updated 2026-02-11

Intro APR: 7.770 %
After Intro:7.770 %

$20,800

As low as 6.52% APR on your initial draw*
Get your money up to 10x faster than the industry standard**
Fixed rate on each draw**
No paperwork needed to apply

Renofi
NMLS ID: 1802847 / Updated 2026-04-03

Renovating? Work with experts in renovation financing

Renovating? Work with experts in renovation financing
Borrow up to 125% on your current home value to finance renovations
Loans up to $750k with competitive rates from Credit Unions
Borrow more than a typical HELOC

Refi.com
NMLS ID: 1907 / Updated 2026-04-03
Equal Housing Lender

Access your home’s equity without replacing your current mortgage

Access your home’s equity without replacing your current mortgage
Put your home’s equity to work on your terms
Flexible funds for renovations, debt consolidation, or major expenses
Refi.com connects you with home equity lending specialists

Spring EQ
NMLS ID: 1464945 / Updated 2026-04-03

The leader for homeowners tapping cash from their homes since 2016.

Access up to 90% of your home's equity, up to a maximum of $500,000.
FIXLINE: The flexibility of a HELOC with the stability of a HELOAN.
A fixed rate for life- no need to worry about fluctuating rates.
We make it easy - and fast - to access your cash (as little as 11 days).

Point Digital Finance
NMLS ID: Not a Lender / Updated 2026-04-03

Get up to $600k with no monthly payments, ever.

Use your funds your way
No income verification - ideal for self-employment or retirement planning
Enjoy maximum flexibility - 30 year term, no prepayment penalties
Home Equity Investments are not considered a loan in all states

Unlock Technologies, Inc.
NMLS ID: Not a Lender / Updated 2026-04-03

Get cash now in exchange for a percentage of your homes future equity.

No monthly payments or interest charges
Minimum Credit score: 500
Access up to $500k
No need to refinance

Figure Home Equity Line
NMLS ID: 1717824 / Updated 2026-04-03
Equal Housing Lender

HELOC approval in 5 minutes, funding in 5 days. Borrow up to $750k online.

Fastest way to turn home equity into cash
Flexible terms, redraw up to 100%, borrow $15k-$750k
Approval in as little as 5 minutes. Funding in as few as 5 days.
Use to consolidate debt or finance your next home project

CrossCountry Mortgage, LLC
NMLS ID: 3029 / Updated 2026-04-03

Unlock Your Home's Potential

Transform Your Home Equity Into Cash: Explore our Tech-Powered Solutions!
Unlock Your Home's Value: Discover the Power of our Online HELOC!
Maximize Your Equity: Get Cash-Out Using Our HELOC for Your Next Big Step
Secure Your Future: Experience the Ease of our Fixed Home Equity Loans

AmeriSave Mortgage Corporation
NMLS ID: 1168 / Updated 2026-04-03

Home Equity Loans & Refinance – Cash out

Home Equity Loans & Refinance – Cash out
Customized rate quote with no impact to credit
Low Rates, Quick Approvals, Wide Range of Products
Over 100 Billion Funded. 22 Years in Business

Splash Financial
NMLS ID: 1630038 / Updated 2026-04-03
Equal Housing Lender

Cash in with a HELOC

Borrow up to $500,000*
Apply 100% online in minutes with a user-friendly platform
Check your rate without affecting your credit **
Tap into home equity today

Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .

Featured 30-Year Fixed Mortgage Rates in Oregon

Lender APR(%) Monthly Payment Learn More
Sponsored

Advertiser Disclosure

Pentagon Federal Credit Union
NMLS ID: 401822

0.000%

$0 Fees & Points $0 Total
0.000 Pts ($0)
$0 Fees

Fixed rate is locked-in for the life of the loan
PenFed makes home ownership affordable. Federally insured by NCUA
Military service is not required for membership. Equal Housing Lender

District Lending
NMLS ID: 1835285

5.864%

$1,868 Fees & Points $4,000 Total
0.750 Pts ($2,400)
$1,600 Fees

Get an exceptional mortgage rate, be happy.

Optimum First Inc
NMLS ID: 240415

5.983%

$1,893 Fees & Points $3,745 Total
0.547 Pts ($1,750)
$1,995 Fees

fill in

River City Mortgage LLC
NMLS ID: 142954

6.102%

$1,919 Fees & Points $3,607 Total
0.799 Pts ($2,557)
$1,050 Fees

Talk to a Pro, Not a Prompt. No bots. No nonsense. Just real people.
Accessible. Authentic. Transparent. We answer and make it make sense.
From pre-approval to closing — we’re all in.

Barrett Financial Group, L.L.C.
NMLS ID: 181106

6.139%

$1,919 Fees & Points $4,890 Total
0.875 Pts ($2,800)
$2,090 Fees

Get a customized quote in minutes.

Mutual of Omaha Mortgage, Inc.
NMLS ID: 1025894

6.147%

$1,893 Fees & Points $9,478 Total
0.837 Pts ($2,678)
$6,800 Fees

A brand you know and trust
Quick and efficient process
Mortgage products to fit your needs

Farmers Bank of Kansas City
NMLS ID: 613839

6.208%

$1,945 Fees & Points $2,821 Total
0.633 Pts ($2,026)
$795 Fees

Competitive rates.
Surprisingly smooth process.

AimLoan.com
NMLS ID: 2890
License#: ML-3215

6.230%

$1,945 Fees & Points $3,574 Total
0.806 Pts ($2,579)
$995 Fees

Certified Upfront Lender! Online Loan Estimate! Apply & Lock Rate 24/7!
26 Years' Experience
Get Your FREE Instant Rate Quote

Northpointe Bank
NMLS ID: 447490

6.241%

$1,945 Fees & Points $3,961 Total
0.802 Pts ($2,566)
$1,395 Fees

Great Rates
Personal Service
FDIC insured banking institution.

West Capital Lending
NMLS ID: 1566096

6.241%

$1,945 Fees & Points $3,951 Total
0.830 Pts ($2,656)
$1,295 Fees

Let's CrunchtheNumbers and See if a Refinance Makes Sense for You

PenFed Credit Union
NMLS ID: 401822

6.265%

$1,945 Fees & Points $4,795 Total
0.875 Pts ($2,800)
$1,995 Fees

Let PenFed Bring You Home With Confidence
Benefits before and after you refinance
Lower your payment, get cash out, and more

Better.com
NMLS ID: 330511

6.326%

$1,971 Fees & Points $2,585 Total
0.497 Pts ($1,590)
$995 Fees

The Right Mortgage could save you Thousands!

Refi.com
NMLS ID: 1907
License#: Oregon

6.327%

$1,971 Fees & Points $2,602 Total
0.813 Pts ($2,602)
$0 Fees

Lower your monthly mortgage payment with a streamlined refinance
Keep more money in your pocket by rolling closing costs into your loan
Maximize your savings with custom options that fit your financial goals

DECO Mortgage
NMLS ID: 2561451

6.333%

$1,971 Fees & Points $2,928 Total
0.358 Pts ($1,146)
$1,782 Fees

$0 Lender Fee. Never pay lender fee's with Deco!
Same Day Pre-Qualification (As fast as 30 minutes).
Single Point of Contact: Paired with your own mortgage professional.

Allied Mortgage Group, Inc.
NMLS ID: 1067

6.443%

$1,997 Fees & Points $2,285 Total
0.714 Pts ($2,285)
$0 Fees

Streamlined Process
Expertise
Customer Service

Sammamish Mortgage Company
NMLS ID: 118653
License#: MI-5046

6.490%

$2,021 Fees & Points $389 Total
0.000 Pts ($0)
$389 Fees

Underwritten Pre-approvals - Close in 3 week or less

New American Funding, LLC.
NMLS ID: 6606

6.594%

$2,023 Fees & Points $3,149 Total
0.984 Pts ($3,149)
$0 Fees

Direct Lender offering low rates, fast closings, and impeccable service
FHA, VA, Conventional, HARP, Jumbo and Reverse Mortgage
All-inclusive Direct Lender – no broker fees

SoFi
NMLS ID: 696891

6.619%

$2,021 Fees & Points $4,301 Total
0.877 Pts ($2,806)
$1,495 Fees

Get pre-qualified in minutes
Simple, online application
Customize your monthly payment to fit your budget

Veterans United Home Loans
NMLS ID: 1907

Fees & Points Total
Pts ($0)
$0 Fees

Refinance to lower your rate
Free up room in your budget by paying off high-interest debt
Explore 350,000+ 5-star reviews

Rocket Mortgage
NMLS ID: 3030

Fees & Points Total
Pts ($0)
$0 Fees

Turn home equity you've earned into cash
Single, convenient monthly payments
Reduce interest with shorter loan terms

CrossCountry Mortgage
NMLS ID: 3029

Fees & Points Total
Pts ($0)
$0 Fees

"America's #1 Retail Lender (Scottsman Guide)"
"Financing 1 and every 36 homes"
"Over 20,000 Five Star Reviews On Zillow"

AmeriSave Mortgage Corporation
NMLS ID: 1168
License#: ML-2676

Fees & Points Total
Pts ($0)
$0 Fees

Low rates, quick quote & approval
92% of clients discover savings in
Real savings, real fast - $1100 avg monthly savings

Quicken Loans
NMLS ID: 167283

Fees & Points Total
Pts ($0)
$0 Fees

Your home's value could help you save.
Turn your equity into opportunity.
Calculate your home equity loan options with lenders.

Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .

*All images, logos and public notes on this page appear courtesy of Valley Credit Union and are not subject to approval of RatesAndInfo.com. RatesAndInfo expressly disclaims all responsibility for this content.

Valley Credit Union : Main Branch

Deposit Rates - April 03, 2026

Featured Home Equity Rates in Oregon

Featured 30-Year Fixed Mortgage Rates in Oregon

Nearby Branches of VALLEY

Other Nearby Credit Unions to Consider