What are the current interest rates at Valley First Credit Union?

Current rates for Valley First Credit Union include: 12-Month CD: 3.50%, 18-Month CD: 0.68%, 24-Month CD: 0.85%, 60-Month CD: 1.75%, Savings: 3.25%, MMA: 0.20%

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Valley First Credit Union

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Valley First Credit Union Rates & Review October 2026

Q: Is a member application needed to join Valley First Credit Union?

Yes, to access services at Valley First 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Valley First 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 and Verified: October 14, 2026

Valley First Credit Union's top rates as of October 14, 2026 are 4.00% APY on its 5 Month IRA Special Premium CD, 3.25% APY on savings, 0.20% APY on money market accounts, 0.20% APY on checking, personal loans from 10.12% APR, and credit cards from 12.49% APR, according to rates verified by MonitorBankRates. Other Valley First Credit Union CD rates include 5 Month Special Premium CD at 4.00%, 12 Month Business CD at 3.50%, and 12 Month IRA Premium CD at 3.50%. MonitorBankRates evaluates the financial stability of Valley First Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.80%. Rates last updated and verified on 10/14/2026.

Valley First 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 Valley First Credit Union? Share your experience about Valley First Credit Union by leaving a review below, or read customer reviews before you decide to use Valley First Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.80%

Excellent Lower than avg

Health Trend

Very strong 2 quarters

Full history ›

Valley First Credit Union
Orangeburg

1005 W Orangeburg Ave
Modesto, CA 95350

https://www.valleyfirstcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Valley First Credit Union CD Rates

Product	Rate	APY	Term
5 Month IRA Special Premium Certificate	3.93%	4.00%	5 months
Min Balance $10,000 Details Balance: $10,000 minimum; IRA; Special Term Share Account, maturity 5 months; Requires 50% of deposit in new money (funds not on deposit at Valley First Credit Union in the 30 days prior) Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 4.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
5 Month Special Premium Certificate	3.93%	4.00%	5 months
Min Balance $10,000 Details Balance: $10,000 minimum; Special Term Share Account, maturity 5 months; Requires 50% of deposit in new money (funds not on deposit at Valley First Credit Union in the 30 days prior) Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
12 Month IRA Premium Certificate	3.45%	3.50%	12 months
Min Balance $10,000 Details Balance: $10,000 minimum; IRA; Term Share Account, maturity 3 to 60 months Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
12 Month IRA Share Certificate	3.45%	3.50%	12 months
Min Balance $1,000 Details Balance: $1,000 minimum; IRA; Term Share Account, maturity 3 to 60 months Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
12 Month Premium Certificate	3.45%	3.50%	12 months
Min Balance $10,000 Details Balance: $10,000 minimum; Term Share Account, maturity 3 to 60 months Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
12 Month Share Certificate	3.45%	3.50%	12 months
Min Balance $1,000 Details Balance: $1,000 minimum; Term Share Account, maturity 3 to 60 months Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
18 Month IRA Premium Certificate	3.11%	3.15%	18 months
Min Balance $10,000 Details Balance: $10,000 minimum; IRA; Term Share Account, maturity 3 to 60 months Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
18 Month Premium Certificate	3.11%	3.15%	18 months
Min Balance $10,000 Details Balance: $10,000 minimum; Term Share Account, maturity 3 to 60 months Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
24 Month IRA Premium Certificate	3.06%	3.10%	24 months
Min Balance $10,000 Details Balance: $10,000 minimum; IRA; Term Share Account, maturity 3 to 60 months Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
24 Month Premium Certificate	3.06%	3.10%	24 months
Min Balance $10,000 Details Balance: $10,000 minimum; Term Share Account, maturity 3 to 60 months Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
9 Month IRA Premium Certificate	3.06%	3.10%	9 months
Min Balance $10,000 Details Balance: $10,000 minimum; IRA; Term Share Account, maturity 3 to 60 months Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
9 Month Premium Certificate	3.06%	3.10%	9 months
Min Balance $10,000 Details Balance: $10,000 minimum; Term Share Account, maturity 3 to 60 months Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
6 Month IRA Premium Certificate	2.96%	3.00%	6 months
Min Balance $10,000 Details Balance: $10,000 minimum; IRA; Term Share Account, maturity 3 to 60 months Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 3.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
6 Month Premium Certificate	2.96%	3.00%	6 months
Min Balance $10,000 Details Balance: $10,000 minimum; Term Share Account, maturity 3 to 60 months Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
36 Month IRA Premium Certificate	2.72%	2.75%	36 months
Min Balance $10,000 Details Balance: $10,000 minimum; IRA; Term Share Account, maturity 3 to 60 months Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 2.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
36 Month Premium Certificate	2.72%	2.75%	36 months
Min Balance $10,000 Details Balance: $10,000 minimum; Term Share Account, maturity 3 to 60 months Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
48 Month IRA Premium Certificate	1.83%	1.85%	48 months
Min Balance $10,000 Details Balance: $10,000 minimum; IRA; Term Share Account, maturity 3 to 60 months Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.85% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
48 Month Premium Certificate	1.83%	1.85%	48 months
Min Balance $10,000 Details Balance: $10,000 minimum; Term Share Account, maturity 3 to 60 months Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 1.85% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
60 Month IRA Premium Certificate	1.74%	1.75%	60 months
Min Balance $10,000 Details Balance: $10,000 minimum; IRA; Term Share Account, maturity 3 to 60 months Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 1.75% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
60 Month Premium Certificate	1.74%	1.75%	60 months
Min Balance $10,000 Details Balance: $10,000 minimum; Term Share Account, maturity 3 to 60 months Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
36 Month IRA Share Certificate	0.95%	0.95%	36 months
Min Balance $1,000 Details Balance: $1,000 minimum; IRA; Term Share Account, maturity 3 to 60 months Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.95% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
36 Month Share Certificate	0.95%	0.95%	36 months
Min Balance $1,000 Details Balance: $1,000 minimum; Term Share Account, maturity 3 to 60 months Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.95% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
24 Month IRA Share Certificate	0.85%	0.85%	24 months
Min Balance $1,000 Details Balance: $1,000 minimum; IRA; Term Share Account, maturity 3 to 60 months Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.85% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
24 Month Share Certificate	0.85%	0.85%	24 months
Min Balance $1,000 Details Balance: $1,000 minimum; Term Share Account, maturity 3 to 60 months Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.85% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
18 Month IRA Share Certificate	0.68%	0.68%	18 months
Min Balance $1,000 Details Balance: $1,000 minimum; IRA; Term Share Account, maturity 3 to 60 months Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.68% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
18 Month Share Certificate	0.68%	0.68%	18 months
Min Balance $1,000 Details Balance: $1,000 minimum; Term Share Account, maturity 3 to 60 months Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.68% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
6 Month IRA Share Certificate	0.31%	0.31%	6 months
Min Balance $1,000 Details Balance: $1,000 minimum; IRA; Term Share Account, maturity 3 to 60 months Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 0.31% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
6 Month Share Certificate	0.31%	0.31%	6 months
Min Balance $1,000 Details Balance: $1,000 minimum; Term Share Account, maturity 3 to 60 months Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.31% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
3 Month Grow Forward Certificate	0.10%	0.10%	3 months
Min Balance $500 Details Balance: $500 minimum; Term Share Account, maturity 3 months Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
3 Month Moo-La Club Certificate	0.05%	0.05%	3 months
Min Balance $250 Details Balance: $250 minimum; Term Share Account, maturity 3 months Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%

Valley First Credit Union Business CD Rates

Product	Rate	APY	Term
12 Month Business Share Certificate	3.45%	3.50%	12 months
Details Business Share Certificates Rate Schedule; rates effective as of 09.01.2026 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
18 Month Business Share Certificate	3.11%	3.15%	18 months
Details Business Share Certificates Rate Schedule; rates effective as of 09.01.2026 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
24 Month Business Share Certificate	3.06%	3.10%	24 months
Details Business Share Certificates Rate Schedule; rates effective as of 09.01.2026 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
6 Month Business Share Certificate	2.96%	3.00%	6 months
Details Business Share Certificates Rate Schedule; rates effective as of 09.01.2026 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
36 Month Business Share Certificate	2.72%	2.75%	36 months
Details Business Share Certificates Rate Schedule; rates effective as of 09.01.2026 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%

Valley First Credit Union Savings Rates

Product	Rate	APY
Purple Savings	3.20%	3.25%
Min Balance $0 Details Balance: Up to $10,000; To receive 3.25% APY, at least $2,500 must be from new deposits to the credit union; requires a Primary Share and Purple Checking account Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Purple Savings	0.10%	0.10%
Min Balance $10,000 Details Balance: Greater than $10,000 Last Updated 10/14/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 0.10% ▼ 3.15 pts · high 3.25% / low 0.10% Oct 14, 20260.10%▼ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Chickadee Club, Moo-La Club	0.05%	0.05%
Min Deposit $1 Min Balance $1 Details Balance: $1 - $24 Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Chickadee Club, Moo-La Club	0.05%	0.05%
Min Deposit $25 Min Balance $25 Details Balance: $25 or greater Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Club Account	0.05%	0.05%
No additional details. Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%

Valley First Credit Union Business Savings Rates

Product	Rate	APY
Business Money Market Account Savings	2.67%	2.70%
Min Balance $250,000 Details Balance: $250,000 - $499,999.99 Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 2.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Business Money Market Account Savings	2.67%	2.70%
Min Balance $500,000 Details Balance: $500,000 or greater Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 2.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Business Money Market Account Savings	2.42%	2.45%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 2.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Business Money Market Account Savings	2.18%	2.20%
Min Balance $10,000 Details Balance: $10,000 - $99,999.99 Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 2.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Business Money Market Account Savings	1.79%	1.80%
Min Balance $1,000 Details Balance: $1,000 - $9,999.99 Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 1.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Business Money Market Account Savings	1.29%	1.30%
Min Balance $0 Details Balance: Up to $999.99 Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 1.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Business Primary Share Savings	0.10%	0.10%
Min Deposit $100 Min Balance $10,000 Details Balance: $10,000 or greater; Required for business membership; $100 minimum balance to open account; No monthly service fee Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Business Primary Share Savings	0.05%	0.05%
Min Deposit $100 Min Balance $1,000 Details Balance: $1,000 - $9,999.99; Required for business membership; $100 minimum balance to open account; No monthly service fee Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%

Valley First Credit Union Money Market Rates

Product	Rate	APY
Money Market	0.20%	0.20%
Min Balance $250,000 Details Balance: $250,000 or greater Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Money Market	0.15%	0.15%
Min Balance $50,000 Details Balance: $50,000 - $249,999.99 Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 0.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Money Market	0.12%	0.12%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 0.12% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Money Market	0.10%	0.10%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Money Market	0.07%	0.07%
Min Balance $0 Details Balance: Up to $9,999.99 Last Updated 10/14/2026 Rate History No change since Sep 22, 2026 · 0.07% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%

Valley First Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market Account Savings	2.67%	2.70%
Min Balance $250,000 Details Balance: $250,000 - $499,999.99 Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 2.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Business Money Market Account Savings	2.67%	2.70%
Min Balance $500,000 Details Balance: $500,000 or greater Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 2.70% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Business Money Market Account Savings	2.42%	2.45%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 2.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Business Money Market Account Savings	2.18%	2.20%
Min Balance $10,000 Details Balance: $10,000 - $99,999.99 Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 2.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Business Money Market Account Savings	1.79%	1.80%
Min Balance $1,000 Details Balance: $1,000 - $9,999.99 Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 1.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Business Money Market Account Savings	1.29%	1.30%
Min Balance $0 Details Balance: Up to $999.99 Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 1.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%

Valley First Credit Union Business Checking Rates

Product	Rate	APY
Interest Business Checking	0.20%	0.20%
Min Balance $25,000 Details Balance: $25,000 or greater Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Impact Business Checking	0.15%	0.15%
Min Balance $250,000 Details Balance: $250,000 or greater Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Interest Business Checking	0.15%	0.15%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Interest Business Checking	0.10%	0.10%
Min Balance $5,000 Details Balance: $5,000 - $9,999.99 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Impact Business Checking	0.05%	0.05%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Interest Business Checking	0.05%	0.05%
Min Balance $0 Details Balance: Up to $4,999.99 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%

Valley First Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto, Truck, SUV (New Autos: Model Years 2025 and newer)	-	-	5.49%	12-48 months
Details As Low As; Minimum Loan Amount: $5,000; Never registered or below 10K miles; Rates effective as of 08.01.2026 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Auto, Truck, SUV (New Autos: Model Years 2025 and newer)	-	-	5.59%	49-60 months
Details As Low As; Minimum Loan Amount: $7,500; Never registered or below 10K miles; Rates effective as of 08.01.2026 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 5.59% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Auto, Truck, SUV (New Autos: Model Years 2025 and newer)	-	-	5.59%	61-66 months
Details As Low As; Minimum Loan Amount: $10,000; Never registered or below 10K miles; Rates effective as of 08.01.2026 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 5.59% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Auto, Truck, SUV (New Autos: Model Years 2025 and newer)	-	-	5.79%	67-72 months
Details As Low As; Minimum Loan Amount: $15,000; Never registered or below 10K miles; Rates effective as of 08.01.2026 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 5.79% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Auto, Truck, SUV (Used Autos)	-	-	5.79%	12-48 months
Details As Low As; Used Autos: Model Years 2016-2024 or 2025-2026 10k miles or greater, Classic cars included (25 years or older); Mileage 10K or greater on 2023-2024, cannot exceed 200K; Minimum Loan Amount: $5,000; Rates effective as of 08.01.2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 5.79% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Auto, Truck, SUV (New Autos: Model Years 2025 and newer)	-	-	5.84%	73-84 months
Details As Low As; Minimum Loan Amount: $15,000; Never registered or below 10K miles; Rates effective as of 08.01.2026 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 5.84% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Auto, Truck, SUV (Used Autos)	-	-	5.99%	49-60 months
Details As Low As; Used Autos: Model Years 2016-2024 or 2025-2026 10k miles or greater, Classic cars included (25 years or older); Mileage 10K or greater on 2023-2024, cannot exceed 200K; Minimum Loan Amount: $7,500; Rates effective as of 08.01.2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 5.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Auto, Truck, SUV (Used Autos)	-	-	5.99%	61-66 months
Details As Low As; Used Autos: Model Years 2016-2024 or 2025-2026 10k miles or greater, Classic cars included (25 years or older); Mileage 10K or greater on 2023-2024, cannot exceed 200K; Minimum Loan Amount: $10,000; Rates effective as of 08.01.2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 5.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Auto, Truck, SUV (Used Autos)	-	-	6.09%	67-72 months
Details As Low As; Used Autos: Model Years 2016-2024 or 2025-2026 10k miles or greater, Classic cars included (25 years or older); Mileage 10K or greater on 2023-2024, cannot exceed 200K; Minimum Loan Amount: $15,000; Rates effective as of 08.01.2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.09% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Auto, Truck, SUV (Used Autos)	-	-	6.49%	73-84 months
Details As Low As; Used Autos: Model Years 2016-2024 or 2025-2026 10k miles or greater, Classic cars included (25 years or older); Mileage 10K or greater on 2023-2024, cannot exceed 200K; Minimum Loan Amount: $15,000; Rates effective as of 08.01.2026 Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Auto, Truck, SUV (Used Autos: Model Years 2014 - 2015)	-	-	6.49%	12-48 months
Details As Low As; Minimum Loan Amount: $5,000; Mileage cannot exceed 200K miles; Rates effective as of 08.01.2026 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Auto, Truck, SUV (Used Autos: Model Years 2014 - 2015)	-	-	6.59%	49-60 months
Details As Low As; Minimum Loan Amount: $7,500; Mileage cannot exceed 200K miles; Rates effective as of 08.01.2026 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 6.59% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Auto, Truck, SUV (Used Autos: Model Years 2014 - 2015)	-	-	6.79%	61-66 months
Details As Low As; Minimum Loan Amount: $10,000; Mileage cannot exceed 200K miles; Rates effective as of 08.01.2026 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 6.79% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Auto, Truck, SUV (Used Autos: Model Years 2014 - 2015)	-	-	6.99%	67-72 months
Details As Low As; Minimum Loan Amount: $15,000; Mileage cannot exceed 200K miles; Rates effective as of 08.01.2026 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%

Valley First Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Recreational Vehicle (New & Used 2016 or Newer) Loan	-	8.50%	36 months
Details As Low As; Minimum Loan Amount: $2,500; Rates effective as of 01.01.2025 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 8.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Recreational Vehicle (New & Used 2016 or Newer) Loan	-	8.50%	48 months
Details As Low As; Minimum Loan Amount: $5,000; Rates effective as of 01.01.2025 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 8.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Recreational Vehicle (New & Used 2016 or Newer) Loan	-	8.50%	60 months
Details As Low As; Minimum Loan Amount: $7,500; Rates effective as of 01.01.2025 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 8.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Recreational Vehicle (New & Used 2016 or Newer) Loan	-	8.50%	72 months
Details As Low As; Minimum Loan Amount: $15,000; Rates effective as of 01.01.2025 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 8.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Recreational Vehicle (New & Used 2016 or Newer) Loan	-	8.50%	84 months
Details As Low As; Minimum Loan Amount: $20,000; Rates effective as of 01.01.2025 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 8.50% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Recreational Vehicle (New & Used 2016 or Newer) Loan	-	8.75%	96 months
Details As Low As; Minimum Loan Amount: $20,000; Rates effective as of 01.01.2025 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 8.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Recreational Vehicle (New & Used 2016 or Newer) Loan	-	8.75%	120 months
Details As Low As; Minimum Loan Amount: $20,000; Rates effective as of 01.01.2025 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 8.75% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Recreational Vehicle (New & Used 2016 or Newer) Loan	-	9.00%	144 months
Details As Low As; Minimum Loan Amount: $30,000; Rates effective as of 01.01.2025 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 9.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Recreational Vehicle (New & Used 2016 or Newer) Loan	-	9.00%	180 months
Details As Low As; Minimum Loan Amount: $30,000; Rates effective as of 01.01.2025 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 9.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%

Valley First Credit Union Credit Card Rates

Product	Rate	APR
Cash Back Credit Card	-	12.49%
Details Published APR range: 12.49%-18.00%. APR for Purchases, Balance Transfers, Cash Advances; Effective Date 02.01.2026 Last Updated 10/14/2026 Rate History No change since Sep 18, 2026 · 12.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Business Cash Back Credit Card	-	17.49%
Details Published APR range: 17.49%-18.00%. APR for Purchases, Balance Transfers, Cash Advances; Effective Date: 02.01.2026 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 17.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Signature Credit Card	-	18.00%
Details APR for Purchases, Balance Transfers, Cash Advances; Effective Date 02.01.2026 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 18.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%

Valley First Credit Union Personal Loan Rates

Product	APR	Term
Personal Loans	10.12%	12 months
Details As Low As; Minimum Loan Amount: $500; Rates effective as of 05.01.2026 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 10.12% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Personal Loans	10.25%	13-24 months
Details As Low As; Minimum Loan Amount: $1,000; Rates effective as of 05.01.2026 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 10.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Personal Loans	10.37%	25-36 months
Details As Low As; Minimum Loan Amount: $2,500; Rates effective as of 05.01.2026 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 10.37% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Personal Loans	10.49%	37-60 months
Details As Low As; Minimum Loan Amount: $5,000; Rates effective as of 05.01.2026 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 10.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Signature Credit Card	18.00%
Details APR for Purchases, Balance Transfers, Cash Advances; Effective Date 02.01.2026 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 18.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%

Valley First Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Consumer Green Loans	-	-	6.24%
Details APR range 6.24% to 7.99%; APR may be higher based on credit qualifications Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 6.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Consumer Green Loans	-	-	7.24%
Details APR range 7.24% to 8.99%; APR may be higher based on credit qualifications Last Updated 10/14/2026 Rate History No change since Oct 14, 2026 · 7.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Home Loans	-	-	7.579%
Details As Low As; Homepage featured rate Last Updated 10/14/2026 Rate History 5 changes since Sep 14, 2026 · 6.94% → 7.58% ▲ 0.64 pts · high 7.73% / low 6.94% Oct 14, 20267.58%▼ from 7.73% Oct 10, 20267.73%▲ from 7.60% Oct 1, 20267.60%▲ from 7.24% Sep 22, 20267.24%▲ from 7.22% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Solar Loans (Investment/Second Home)	-	-	7.24%	1-96 months
Details As Low As; Rates effective as of 09.08.2025; Loan amount: $0 - $100,000 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Solar Loans (Investment/Second Home)	-	-	7.57%	97-180 months
Details As Low As; Rates effective as of 09.08.2025; Loan amount: $10,000 - $100,000 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 7.57% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Solar Loans (Investment/Second Home)	-	-	7.74%	181-240 months
Details As Low As; Rates effective as of 09.08.2025; Loan amount: $25,000 - $100,000 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 7.74% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Solar Loans (Primary Residence)	-	-	6.24%	1-96 months
Details As Low As; Loan amount $0 - $100,000; Rates effective as of 09.08.2025 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Solar Loans (Primary Residence)	-	-	6.49%	97-180 months
Details As Low As; Loan amount $10,000 - $100,000; Rates effective as of 09.08.2025 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Solar Loans (Primary Residence)	-	-	6.74%	181-240 months
Details As Low As; Loan amount $25,000 - $100,000; Rates effective as of 09.08.2025 Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 6.74% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Grow Forward	0.05%	-	0.05%
Min Deposit $10 Min Balance $10 Details Balance: $10 - $24 Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Grow Forward	0.05%	-	0.05%
Min Deposit $25 Min Balance $25 Details Balance: $25 or greater Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Money Market	-	-	0.07%
Min Balance $0 Details As Low As; Balance: under $10,000; Starting APY for balances under $10,000 Last Updated 10/14/2026 Rate History No change since Sep 22, 2026 · 0.07% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Money Market	-	-	0.20%
Min Balance $250,000 Details Balance: $250,000 or more; Top APY for balances $250,000 or more Last Updated 10/14/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Primary and Secondary Shares	0.03%	-	0.03%
Min Balance $1,000 Details Balance: $1,000 - $29,999.99 Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 0.03% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Primary and Secondary Shares	0.07%	-	0.07%
Min Balance $30,000 Details Balance: $30,000 - $74,999.99 Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 0.07% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Primary and Secondary Shares	0.10%	-	0.10%
Min Balance $75,000 Details Balance: $75,000 - $99,999.99 Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Primary and Secondary Shares	0.12%	-	0.12%
Min Balance $100,000 Details Balance: $100,000 - $124,999.99 Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 0.12% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Primary and Secondary Shares	0.15%	-	0.15%
Min Balance $125,000 Details Balance: $125,000 or greater Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 0.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Regular IRA	0.15%	-	0.15%
Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 0.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Valley Thrive	0.05%	-	0.05%
Min Deposit $10 Min Balance $10 Details Balance: $10 - $24 Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Valley Thrive	0.05%	-	0.05%
Min Deposit $25 Min Balance $25 Details Balance: $25 or greater Last Updated 10/14/2026 Rate History No change since Oct 10, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%

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.
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Financial Health History

Valley First Credit Union’s Texas Ratio stayed near 4.54% in Q1 2026 to 4.80% in Q2 2026, so its financial health has stayed very strong over the past 2 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.1B	4.80%	5.0	A+
March 31, 2026	$1.1B	4.54%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Valley First 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 Valley First 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 Valley First Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Valley First Credit Union

Website https://www.valleyfirstcu.org

Address 1005 W Orangeburg Ave, Modesto, CA 95350

Phone 209-549-8500

Fax 209-579-4120

President Chris Peterson

CEO Kathryn Davis

Full-Time Employees 171

Part-Time Employees 1

Branch Locations 8

ATM Locations 9

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.80%

Return on Assets (ROA)

0.2866%

Return on Equity (ROE)

2.9213%

Non-Performing Loans Ratio (NPL)

0.71%

Total Assets

1,107,626,913

Total Amount of Shares and Deposits

925,764,827

Total Shares and Deposits < 1 Year

909,883,845

Total Shares and Deposits 1 3 Years

15,274,286

Total Shares and Deposits > 3 Years

606,695

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

52,115,617

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

52,115,617

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

873,649,210

Total Interest Expense (Sum of items 6 8)

6,752,376

Share Certificates

4,498

Number of Accounts for Share Drafts

44,903

IRA KEOGH Accounts

1,745

Number of Accounts for Regular Shares

96,999

Non Member Deposits

Money Market Shares

2,285

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

3,174,071

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

116,067,334

Total Liabilities

1,004,610,680

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Valley First Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Valley First Credit Union

How many branches does Valley First Credit Union operate?

Valley First 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 Valley First Credit Union?

Yes, to access services at Valley First 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, Valley First 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, Valley First Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Valley First Credit Union offer online and mobile banking?

Most modern institutions like Valley First 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.valleyfirstcu.org.

Current Valley First Credit Union Rates

12-Month CD3.50%
18-Month CD0.68%
24-Month CD0.85%
60-Month CD1.75%
Savings3.25%
MMA0.20%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Valley First Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Valley First Credit Union Texas Ratio

Valley First Credit Union Health Trend

Valley First Credit Union CD Rates

Valley First Credit Union Business CD Rates

Valley First Credit Union Savings Rates

Valley First Credit Union Business Savings Rates

Valley First Credit Union Money Market Rates

Valley First Credit Union Business Money Market Rates

Valley First Credit Union Business Checking Rates

Valley First Credit Union Auto Loan Rates

Valley First Credit Union RV, Boat and Powersport Loan Rates

Valley First Credit Union Credit Card Rates

Valley First Credit Union Personal Loan Rates

Valley First Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Valley First Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Valley First Credit Union

How many branches does Valley First Credit Union operate?

Is a member application needed to join Valley First Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Valley First Credit Union offer online and mobile banking?

Current Valley First Credit Union Rates

Compare to Other Credit Unions