Personal Credit Card Services

Valley Bank Visa Card

Open a Valley Bank Visa card today and enjoy the rare luxury of getting service and support face to face with a real live person. Unlike most credit card issuers, we won't just hand you an 800 number on a sticky-note and wish you luck getting your needs met. We will take good care of you right then and there in our lobby or over the phone. No annual fees and a fixed rate of interest that is free from nasty rate increases and surprise charges.

No annual fee! No cash advance fee!

To ship internationally - $50
Special delivery-overnight - $10.00
Click Here to apply online!


Annual Percentage Rate (APR) for Purchases 12.84%
This APR is a Fixed Rate
APR for Balance Transfer 12.84%
This APR is a Fixed Rate
APR for Cash Advance 12.84%
This APR is a Fixed Rate
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle.  We will not charge you any interest on purchases if you pay your entire balance by the due date each month. For balance transfers and cash advances we will begin charging interest on the day of the transaction.
Minimum Interest Charges If you are charged periodic interest, the charge will be no less than $0.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at:
Annual Fee           NONE
Transaction Fees
  • Balance Transfer
  • Cash Advance
  • Foreign Transaction
  • NONE
  • NONE
  • 1.00% of each transaction in U.S. dollars
Penalty Fees
  • Late Payment
  • Over-the-Credit Limit
  • Returned Payment
  • Up to $15
  • NONE
  • NONE

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)".

Billings Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement