Personal Accounts
At Valley First Community Bank, we offer you true relationship banking, and the resources to find the right solutions for your financial needs. You will find what you need, when you need it -- truly a unique community bank.
| Personal Loans |
Personal Loans
Subject to Approval
- Real Estate Financing
- Home Equity Loans and Lines of Credit
- Residential Mortgage Loans
- Personal Installment Loans
- Personal Lines of Credit
- Ready-Cash Overdraft Protection
- Personal Credit Cards
Valley First Community Bank's residential and commercial mortgage team has earned a reputation for offering prompt, quality service. We have over 60 years of combined experience in the mortgage lending industry.
The Commercial Real Estate Lending Division can assist you in purchasing and financing your commercial building. We also have bridge loans, construction loans, residential and commercial lot loans, short term 1st and 2nd mortgages, and home equity lines of credit. We are portfolio lenders who have the flexibility to tailor the financial structure to fit your needs. Contact the Real Estate Lending Team at 480.596.0883.
The Residential Mortgage Lending Specialists, equipped with a wide variety of wholesale mortgage resources, have a comprehensive array of residential mortgage products for all types of borrowers. These include, but are not limited to: 100% purchase money, second home and investment property financing, loans for credit impaired and/or high debt/income individuals, niche products for jumbo and super jumbo borrowers, loans for the self employed, and no income/no asset verification loans. Contact a Valley First Community Bank team member at 480.596.0883 for a no cost pre qualification review. We are an equal housing lender.
Our home equity loans and lines of credit are available with fixed and variable rate options and with flexible repayment terms.
Valley First Community Bank is a member of an exclusive wholesale mortgage exchange where borrowers can be assured of receiving the most competitive pricing on loans and fees without any additional cost.
Valley First Community Bank will tailor financing for all your consumer purchases, along with home improvement and bridge loans at competitive loan terms and rates.
Valley First Community Bank will tailor financing to meet our customer's short term financing needs by offering personal lines of credit.
With Ready-Cash, your checking account has a pre-approved line of credit that automatically advances to cover checks up to your approved credit limit.
Through our business partnership with Elan Financial Services, we offer a variety of Personal VISA options to meet your needs, including Regular, Platinum & Travel Cards.
Our lending officers would be happy to assist you with questions regarding these programs. Please contact a member of the Personal Banking Team at (480) 596-0883.
Product features and service charges are subject to change.
Please refer to the Account Disclosure Statement provided at the time of account opening.
1 Renewal Policy: This account will automatically renew at maturity. You have ten calendar days after the maturity date to withdraw the funds without being charged a penalty.
2 Federal regulations limit the number of transfers and withdrawals to six (6) per month, including only three (3) Money Market checks. Transfers and withdrawals made in person, by mail, by courier service or via ATM are unlimited.
