Valley First Credit Union - Nationwide Branches

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Branch	Address	View Lobby Hours
Clovis Branch	1177 N Willow Ave Ste 101, Clovis, CA 93611	View Lobby Hours
Tracy Branch	1003 n Central Ave, Tracy, CA 95376	View Lobby Hours
Stockton Branch	1611 W March Ln, Stockton, CA 95207	View Lobby Hours
Madera	126 N D St, Madera, CA 93638	View Lobby Hours
Orangeburg	1005 W Orangeburg Ave, Modesto, CA 95350	View Lobby Hours
J Street	1419 J St, Modesto, CA 95354	View Lobby Hours
Yosemite	9017 Village Dr, Yosemite National Park, CA 95389	View Lobby Hours
Ceres Branch	1501 Mitchell Rd, Ceres, CA 95307	View Lobby Hours
Oakdale	126 W F St, Oakdale, CA 95361	View Lobby Hours
Dale Rd	3401 Dale Rd, Modesto, CA 95356	View Lobby Hours
East Shaw Branch	618 E Shaw Ave, Fresno, CA 93710	View Lobby Hours
Turlock	2655 Geer Rd, Turlock, CA 95382	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 1907	0.000%	0.000%	0.00	$0	$0	Learn More
NMLS ID: 6606	6.092%	6.000%	1.00	$3,162	$1,919	Learn More
NMLS ID: 401822	6.116%	6.000%	0.63	$3,995	$1,919	Learn More
NMLS ID: 1025894	6.209%	6.125%	0.63	$2,850	$1,945	Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. 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
Four Leaf Federal Credit Union See Table	Intro APR 5.990 % After Intro: 7.250 % Intro Period: 12 months	$25,000	Learn More More Info
Rates/terms are subject to change. All offers of credit are subject to credit approval. Applicants may be offered credit at higher rates and other terms. Property insurance (including flood insurance, if applicable) is required. HELOCs not offered in Texas. Membership at FourLeaf is required by opening a minimum $5 share account. Rates shown are based on primary residence, minimum initial draw of $25,000 at account opening, monthly payments via automatic transfers from a FourLeaf checking/savings account, and borrower(s) inputs for credit score and Combined Loan-to-Value. If borrower(s) qualifies for an intro rate, the intro APR is fixed for 12 months. After, standard APR is variable based on the U.S. Prime Rate, plus a margin, and is subject to increase. To obtain an intro rate, borrower(s) must meet credit/loan program requirements, including (but not limited to): 1) maximum CLTV of 75%, 2) minimum credit score of 720 3) initial draw of $25,000 and maintain this balance for 12 months, 4) monthly payments via automatic transfers from a FourLeaf checking/savings account, and 5) have not had an intro rate within the past 5 years. Loan amounts over $500,000 are not available for the intro rate. The standard APR is variable based on the U.S. Prime Rate as published in the Wall Street Journal, plus a margin (if applicable), and is subject to increase after consummation. The current standard APR ranges from 7.50% - 18.00% as of 4/16/2025. Not all applicants will qualify for the lowest rate. The minimum floor APR is 3.25% and maximum is 18%. Prime Rate as of 4/16/2025 = 7.50%. Closing costs for the first $500,000 will be paid by FourLeaf but must be repaid by the borrower(s) if the HELOC is closed within first 36 months of account opening. Fees generally range between $500 - $15,000. Borrower(s) will be responsible for mortgage-related taxes and title insurance costs on the line amounts over $500,000. Fees generally range between $500 -$60,000. 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[3] On average, access funds within 35 days[5]

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