We offer a wide variety of loans and credit card options to match your lifestyle. We are proud to offer great rates with a high level of satisfaction.

VISA Credit Card

When you have worked hard to establish excellent credit, you deserve a great deal. With a low fixed annual percentage rate, you can enjoy one of the most competitive rates on the market.

  • No annual fee
  • No minimum finance charge
  • Fixed interest rate (purchases and cash advances)
  • 25 day grace period on new purchases
  • No hidden fees
  • No fee to transfer balances from other credit cards
  • Rate will not change if payment is late
  •  Subject to credit approval.
  • Payments can be made at our credit union location, Valex FCU Mobile Banking App, Virtual Branch, Credit Card website, or by mailing payments to the credit union or mailing payments to :
    • Visa
    • P.O. BOX 4521
    • Carrol Stream, IL 60197-4521

Credit Card Application(pdf)

Signature Loans

Are your bills adding up? Do you need a vacation? Does your home need renovating?  Signature loans can help and are customized for your needs and budget. Contact our loan department to assist with all of your personal loan needs.

Our signature loans offer:

  • Low competitive interest rates
  •  Flexible terms
  • Loans amounts vary from $500 - $10,000
  • Fixed rates
  • No collateral needed

Other Available Options:

  • Vacation Loans
  • Debt consolidation
  • Computer Loans

Signature Loan Application (PDF)

Home Equity

Home equity loan can eliminate payments on your credit cards, vehicle loans, personal loans, and make home improvements. If you have equity in a property, you are eligible for the benefits of a home equity loan including:

    • Equity position up to 90% of the appraisal or tax-assessed value less the 1st mortgage balance
    • Fixed rates available
    • No pre-payment charges or penalties
    • Call or visit the office for current rates and to schedule an appointment.

Mortgage Services

Get pre-approved now!

Whether you are in the market for a new home or improving a home you already own, VALEX Federal Credit Union offers you mortgage loan products to meet all your needs. Our Real Estate department offers you personalized, professional, and local service. As an owner of the credit union, your best interests are always in mind.

  • Our mortgage services include:
    • Low or no down payment available
    • Low closing costs
    • Free pre-qualification
    • Potential tax deduction on interest paid
    • Loan counseling by trained, professional mortgage personnel
    • Working for you, not commission
    • No prepayment penalties

We offer competitive rates, pre-qualification approvals, and great service to save you time and money. Our real estate team has earned the reputation of being efficient and trustworthy. Contact one of our mortgage specialists today to find out how we can help secure a mortgage loan to meet your needs.

Call or visit the office for current rates and to schedule an appointment.

Share Secured Loans

Share your next loan against your saving or certificate for an incredibly low loan rate!

    • You get the money you need while your Share and Certificate Accounts continue to grow
    • Because you’re borrowing on your own funds, this type of loan is an excellent way to improve or build your credit
    • You continue to earn interest while paying low, affordable rates
    • You benefit from longer loan terms and flexible due dates that fit your budge

Share Secured Loan Application(pdf)

First Time Borrowers

Our First Time Borrower loans are designed for any member who has no borrowing history and meets financial qualifications. In particular, this loan was designed for credit union members 18 years, or older, in need of a car loan, as well as for those who have always used cash rather than credit.

With a first time borrower loan, get a $1,000 line of credit as well.

VALEX Federal Credit Union - Mobiliti App