Loans & Credit Cards

Vehicle Loans



New and Used Auto Loans
We offer low and no down payment options on new and used car, trucks, vans and SUVs—including tax and license. The maximum loan term is 84 months. We finance used autos that are up to 15 years old.

Get Pre-Approved for Your Vehicle Loan Before You Start Shopping
This service can be a great bargaining tool when sitting down at the dealer to purchase your new or used vehicle. It’s easy to apply for your loan before you go car shopping. Once your loan is approved, select the vehicle of your choice at your leisure.

The pre-approval is valid for 30 days.

Hybrids or Electric Auto Loans
If you’re in the market for a new car, why not consider an electric or hybrid vehicle? You can choose from many makes and models, and there’s sure to be one that suits your driving style. When you go electric or hybrid, you do your part to improve air quality and you improve your bottom line! GVFCU’s low auto loan rates apply to all electric and hybrid vehicles as well, when you finance with us.

All new and used auto loans, including hybrids and electric autos, must fall within Golden Valley FCU’s underwriting guidelines.

Motorcycle Loans

We finance up to 100% of MSRP, plus tax and license on new motorcycles.

We finance up to 95% of loan-to value on used motorcycles.


Mechanical Breakdown Insurance (MBI)

This low-cost insurance program protects members from expensive auto repairs. MBI works like the extended warranties offered by auto dealers, but costs you a lot less! For more details, contact the Loan Department for details at (209) 825-5878 and press #4.

Credit Life and Disability Insurance

In the event of loss of a members life or disability, this insurance will pay off the remaining balance on the loan at GVFCU.

Kelley Blue Book

What’s your car worth? Get used (and new) pricing on all makes and models and check out the latest in automotive news.

GAP Insurance

Driving a new car can be downright exhilarating, but the reality is that once you drive it off the lot, it becomes a “used” car and its value immediately depreciates to less than what you paid for it. If your car is totaled in an accident or stolen during the first few years you own the car, the value the insurance company will cover is often much less than what you owe on your car loan.

What happens if the insurance payment doesn’t cover the cost of the loan? You have to pay the difference. That’s why you need GAP, which pays the difference between what is owed on your car and the amount of the insurance payment. For more details, contact the Loan Department at (209) 825-5878 and press #4.

Loan Calculators

Calculate what your payments will be on your dream car or how much car you can afford based on the maximum payment amount you can afford. See the calculator on our online loan application page.

Home Loans

Home Loans Are Available at Your Credit Union! Golden Valley FCU is the perfect lender for your home loan…whether it’s your first home or your last!

Our first and second mortgage loans come with NO points, low fixed rates and lower fees than most lenders.

Refinances Are Also Available
Let our home loan experts review your current home loan with another lender and see if we can save you money by refinancing it to a lower, fixed-rate loan from Golden Valley FCU.

Other Home Loans Available Through CU Lending
If you are looking for a different type of home loan, we have partnered with CU Lending to make the following types of loans available to our members:

  • First-time homebuyer loan
  • VA loan
  • Fixed-rate balloon loan
  • Fixed-rate temporary buydown loan
  • Interest-only mortgage loan
  • Adjustable-rate mortgage loan
  •  Low down-payment options
  • Home equity loan
  • Investment property loan
  • Second home loan
  • Reverse mortgage loan and more!

For more information, call  (888) 899-7822 or visit

Consumer Loans

Personal Loan
Borrow up to $15,000 (based on credit approval) for vacations, furniture or any other major purchase. The maximum term for our personal loan is 48 months.

Tax Loan
Low-rate tax loans for terms up to 12 months.

Christmas Loan
Low-rate Christmas loans for terms up to 12 months.

Share (Savings) Secured Loan
Borrow up to 90% of the balance in your Golden Valley saving account for up to 72 months.

Certificate Secured Loan
Borrow up to 90% of the Certificate amount for the Certificate term.

Direct Deposit Loan
Borrow up to $1,500 for 8 months. Member must have Direct Deposit into a Golden Valley FCU account for 3 months consecutively to qualify.

Overdraft Loan
Apply for an Overdraft Line of Credit and borrow up to $1,000 to cover the amount of an ACH or checking account overdraft.

Visa® Credit Card

A Golden Valley FCU Visa® Card is one of the most competitive credit cards around. It comes with a LOW rate and NO hidden fees. You’ll get:

  • A fixed rate as low as 9.99% APR*
  • NO annual fee
  • NO balance transfer or cash advance fees
  • Generous credit limits up to $15,000
  • A 25-day grace period to pay off your balance without incurring interest charges
  • And much more!

Share Secured Visa®

Golden Valley’s Share Secured Visa is perfect for anyone who is trying to establish credit for the first time or re-establish credit. You can borrow up to $10,000 or up to the balance in your Golden Valley savings account, whichever is less.

*APR = Annual Percentage Rate. Loans are subject to credit approval. Your rate will be determined by your credit history.