Valley First Credit Union


Po Box 1411
Modesto, CA 95353
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.07% 2.53% →
1-Year CD 0.68% 2.79% →
2-Year CD 0.88% 3.20% →
5-Year CD 1.12% 3.65% →
30-Year Mortgage N.A. 6.31% →
15-Year Mortgage N.A. 5.86% →
HELOC N.A. 2.79% →

2022 Overview

General Credit Union Information

Valley First is an NCUA insured institution located in Modesto, CA. It was founded in 1956 and has approximately $923.07 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 / State-Chartered
Charter Number # # 68402
Date Established 1956
Assets $923.07 million
Loans $550.85 million
Deposits $834.48 million
Capital $81.43 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 - August 7, 2022

Your Current Location: California, CA 92111

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.07% $2,500 $4,999 Learn More
Money Market
0.10% $2,500 $2,999 Learn More
Money Market
0.10% $10,000 $14,999 Learn More
Money Market
0.10% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.18% $10,000 $14,999 Learn More
6 Mo CD
0.18% $100,000 $199,999 Learn More
12 Mo CD
0.68% $10,000 $14,999 Learn More
12 Mo CD
0.68% $100,000 $199,999 Learn More
18 Mo CD
0.70% $10,000 $14,999 Learn More
18 Mo CD
0.70% $100,000 $199,999 Learn More
24 Mo CD
0.88% $10,000 $14,999 Learn More
24 Mo CD
0.88% $100,000 $199,999 Learn More
36 Mo CD
0.98% $10,000 $14,999 Learn More
36 Mo CD
0.98% $100,000 $199,999 Learn More
48 Mo CD
1.08% $10,000 $14,999 Learn More
48 Mo CD
1.08% $100,000 $199,999 Learn More
60 Mo CD
1.12% $10,000 $14,999 Learn More
60 Mo CD
1.12% $100,000 $199,999 Learn More
Variable IRA Rates APY MIN MAX
0.15% $1 $499 Learn MoreShow Less

Loan Rates - August 7, 2022

Your Current Location: California, CA 92111

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 - California 30 Year Fixed Mortgage Rates 2022

Lender APR Rate (%) Points Fees Monthly
Learn More
JWH Financial, Inc
NMLS ID: 1433621
4.665% 4.500% 0.50 $4,872 $1,267 Learn More
Choicelend Mortgage
NMLS ID: 292770
License#: 01739645
4.584% 4.500% 1.00 $2,472 $1,267 Learn More
Morty, Inc.
NMLS ID: 1429243
4.709% 4.625% 1.00 $2,458 $1,286 Learn More

Featured - California Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
4.990 %
After Intro: 6.250 %
Intro Period: 12 months
$25,000 Learn More
More Info

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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:
San Diego,California

Valley First Locations

Climate Initiatives

VALLEY FIRST is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

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
5.06% 4.75

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 March 31, 2022, Valley First had $4,148,949 in non-current loans and $129,714 in owned assets. To cover these potential losses it had $81,425,011 in net worth and $3,100,227 in loans loss reserves. That gives it a Texas Ratio of 5.06%.

Net Worth
Valley First U.S. Average
8.82% 12.28%

Valley First FCU has a net worth of 8.82% versus the BestCashCow average of 12.28. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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