PO BOX 1411
Modesto, CA 95353
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.07% 1.40% →
1-Year CD 1.00% 1.15% →
2-Year CD 0.95% 1.26% →
5-Year CD 1.75% 1.56% →
30-Year Mortgage N.A. 3.09% →
15-Year Mortgage N.A. 2.59% →
HELOC N.A. 2.77% →

2020 Overview

General Credit Union Information

Valley First is an NCUA insured institution located in Modesto, CA. It was founded in 1956 and has approximately $590.8 millions in assets.

Who can join?

You are eligible for membership with Valley First Credit Union if you:

Live, regularly work, regularly worship or attend school in Fresno, Madera, Mariposa, Merced, San Joaquin, Stanislaus or Tuolumne County

Are employed with an employer group specifically listed in the credit union's field of membership Select Employer Group (SEG) list.

Are a family member to a Valley First Credit Union member. This includes grandparents, grandchildren, parents, spouses, children (natural, foster or adopted) brothers, and sisters.

NCUA Insured Yes
Charter Number # # 68402
Date Established 1956
Assets $590.80 million
Loans $429.29 million
Deposits $517.96 million
Capital $65.16 million

Field of Membership Restrictions

Membership is open to those who live, work, attend school or worship in Calaveras, Kings, Fresno, Madera, Mariposa, San Joaquin, Merced, Stanislaus, Tuolumne, or Tulare Counties. Membership is also open to over 60 Select Employer Groups.

Deposit Rates - July 6, 2020

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.07% $1,000 $29,999 Learn More
Money Market
0.10% $2,500 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.50% $10,000 - Learn More
12 Mo CD
1.00% $10,000 - Learn More
18 Mo CD
0.70% $10,000 - Learn More
24 Mo CD
0.95% $10,000 - Learn More
36 Mo CD
1.25% $10,000 - Learn More
48 Mo CD
1.50% $10,000 - Learn More
60 Mo CD
1.75% $10,000 - Learn More
Variable IRA Rates APY MIN MAX
0.15% $1 - Learn MoreShow Less
Fixed IRA
1.00% $1,000 $9,999 Learn MoreShow Less

Loan Rates - July 6, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for VALLEY FIRST

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 13256
3.039% 3.000% 0.50 $1,250 $1,055 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More

To upload and update your bank's rates please register. It is free to register and add rates.


Below are Valley First branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Valley First Locations

Financial Details

Valley First Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Valley First. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Valley First U.S. Average
4.55% 5.92

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of September 30, 2019, Valley First had $3,083,026 in non-current loans and $0 in owned assets. To cover these potential losses it had $65,157,564 in net worth and $2,540,064 in loans loss reserves. That gives it a Texas Ratio of 4.55%.

Net Worth
Valley First U.S. Average
11.02% 13.86%

Valley First FCU has a net worth of 11.02% versus the BestCashCow average of 13.86. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Valley First

Branches and Savings

What is Valley First?

A federal credit union, registered with the NCUA under certificate #68402.
Learn more about credit unions here.

Is Valley First FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Valley First?

Please see Field of Membership information above for information on who is eligible to join.

What are Valley First's share account and share certificate rates?

Valley First's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Valley First?

Valley First has total capital of $65.16 million. Full information on Valley First's financial position is located above.

Who owns Valley First?

Credit Unions are owned by their members.

Where are Valley First branches located?

See branch locations nearby.

Are Valley First ATMs Open 24/7?

Do Valley First ATMs accept cash deposits?

Can Valley First customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Valley First have a mobile app?

Does Valley First have mobile deposit?

Does Valley First have quick pay?

How can Valley First transfer money to other banks or credit unions?

Does Valley First report to credit bureaus?

Does Valley First use Chexsystems?

Does Valley First use Equifax?

What is Valley First's toll free phone number?

What is Valley First's ACH Routing Number?

What is Valley First's SWIFT code?

Where can I find Valley First's wire transfer form?

What is the Valley First address for deposits?

What Products Does Valley First Offer

Does Valley First offer mortgages?

Compare mortgage rates here.

Does Valley First offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Valley First offer auto and RV loans?

Compare auto loan rates here.

Does Valley First offer student loans or personal loans?

Compare personal loan rates here.

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