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Golden Valley Federal Credit Union

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Golden Valley Federal Credit Union Rates & Review March 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Golden Valley Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: March 20, 2026

Golden Valley Federal Credit Union's Personal Loan Rates are at 3.50%. MonitorBankRates evaluates the financial stability of Golden Valley Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.03%. Rates were last updated on 03/20/2026.

Golden Valley Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Golden Valley Federal Credit Union? Share your experience about Golden Valley Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Golden Valley Federal Credit Union.

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.03%

Excellent Lower than avg

Golden Valley Federal Credit Union
Golden Valley Federal Credit Union

409 W Center St
Manteca, CA 95336

https://www.goldenvalleyfcu.org

Golden Valley Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
New & Used Auto Loans	-	-	3.50%	48
Details As Low As; This special will ONLY cover New and Used auto loans. These rates will be for New Money Loans Only for the period of 3/1/26-5/31/26. Vehicles 10 YRS old and Newer. Rates are subject to change without notice and are based on credit approval. Last Updated 03/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.03%

Golden Valley Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa® Credit Card	-	9.99%
No additional details. Last Updated 03/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.03%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Golden Valley Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Golden Valley Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Golden Valley Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Golden Valley Federal Credit Union

Website https://www.goldenvalleyfcu.org

Address 409 W Center St, Manteca, CA 95336

Phone 209-825-5878

Fax 209-825-8162

President David Martin Sr

CEO Joann Wenk

Full-Time Employees 7

Part-Time Employees 2

Branch Locations 1

ATM Locations 1

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.03%

Return on Assets (ROA)

0.4245%

Return on Equity (ROE)

3.8429%

Non-Performing Loans Ratio (NPL)

0.95%

Total Assets

39,677,075

Total Amount of Shares and Deposits

35,141,550

Total Shares and Deposits < 1 Year

34,910,874

Total Shares and Deposits 1 3 Years

230,676

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

2,015,919

Total Uninsured Shares and Deposits > $250K (F+J)

2,015,919

Total Insured Shares and Deposits > $250K (item 17 less item K)

33,125,631

Total Interest Expense (Sum of items 6 8)

116,972

Share Certificates

Number of Accounts for Share Drafts

1,677

IRA KEOGH Accounts

Number of Accounts for Regular Shares

3,410

All other shares

Non Member Deposits

Net Income (unless the amount is already included in Undivided Earnings)

45,718

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

4,783,140

Total Liabilities

35,293,931

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for Golden Valley Federal Credit Union yet. Feel free to create one below.

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Frequently Asked Questions About Golden Valley Federal Credit Union

Is Golden Valley Federal Credit Union a safe place to deposit money?

Yes, Golden Valley Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 5.028399705782%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does Golden Valley Federal Credit Union operate?

Golden Valley Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Golden Valley Federal Credit Union?

Yes, to access services at Golden Valley Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Golden Valley Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Golden Valley Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Golden Valley Federal Credit Union offer online and mobile banking?

Most modern institutions like Golden Valley Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.goldenvalleyfcu.org.