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

Current rates for Valley First Credit Union include: Savings: 0.05%, MMA: 0.07%

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Valley First Credit Union

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Valley First Credit Union Rates & Review August 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: August 28, 2026

Valley First Credit Union's 12 Mo Premium CDs rates are at 3.50%, 12 Mo CDs rates are at 3.50%, 18 Mo Premium CDs rates are at 3.15%, 9 Mo Premium CDs rates are at 3.10%, 6 Mo Premium CDs rates are at 3.00%. Valley First Credit Union's savings rates are at 0.05%. Valley First Credit Union's money market rates are at 0.07%. Valley First Credit Union's Personal Loan Rates are at 10.12%. 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 5.18%. Rates last updated and verified on 08/28/2026.

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.

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.18%

Excellent Lower than avg

Valley First Credit Union
Orangeburg

1005 W Orangeburg Ave
Modesto, CA 95350

https://www.valleyfirstcu.org

Valley First Credit Union CD Rates

Product	Rate	APY	Term
12 Mo Premium Certificates	3.45%	3.50%	12 Mo
Min Deposit $10,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.18%
12 Mo Share Certificates	3.45%	3.50%	12 Mo
Min Deposit $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.18%
18 Mo Premium Certificates	3.11%	3.15%	18 Mo
Min Deposit $10,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.18%
9 Mo Premium Certificates	3.06%	3.10%	9 Mo
Min Deposit $10,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.18%
6 Mo Premium Certificates	2.96%	3.00%	6 Mo
Min Deposit $10,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.18%
36 Mo Premium Certificates	2.72%	2.75%	36 Mo
Min Deposit $10,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.18%
48 Mo Premium Certificates	1.83%	1.85%	48 Mo
Min Deposit $10,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.18%
60 Mo Premium Certificates	1.74%	1.75%	60 Mo
Min Deposit $10,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.18%
36 Mo Share Certificates	0.95%	0.95%	36 Mo
Min Deposit $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.18%
24 Mo Share Certificates	0.85%	0.85%	24 Mo
Min Deposit $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.18%
18 Mo Share Certificates	0.68%	0.68%	18 Mo
Min Deposit $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.18%
6 Mo Share Certificates	0.31%	0.31%	6 Mo
Min Deposit $1,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.18%
3 Mo Grow Forward Certificate	0.10%	0.10%	3 Mo
Min Deposit $500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.18%
3 Mo Moo-La Club Certificate	0.05%	0.05%	3 Mo
Min Deposit $250 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.18%

Valley First Credit Union Savings Rates

Product	Rate	APY
Purple Savings	3.20%	3.25%
Min Balance $0 Details To open this account and receive the 3.25% APY, at least $2,500 must be from new deposits to the credit union. Must have a Primary Share and Purple Checking account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.18%
Business Money Market Account Savings	2.76%	2.80%
Min Balance $250,000 Details Required for business membership. $100 minimum balance to open account. No monthly service fee. Withdrawal Fee: Six (6) limited withdrawals including: check, draft, debit card, phone transfer, online, ACH and overdraft transfers are allowed each month. If you exceed these limits 3 times within a 12-month rolling period, the bank will convert your account to an account type without restrictions or be closed. There will be a $15.00 charge for each withdrawal after the sixth (6) withdrawal per month. This will include any withdrawal transaction type. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.18%
Business Money Market Account Savings	2.52%	2.55%
Min Balance $100,000 Details Required for business membership. $100 minimum balance to open account. No monthly service fee. Withdrawal Fee: Six (6) limited withdrawals including: check, draft, debit card, phone transfer, online, ACH and overdraft transfers are allowed each month. If you exceed these limits 3 times within a 12-month rolling period, the bank will convert your account to an account type without restrictions or be closed. There will be a $15.00 charge for each withdrawal after the sixth (6) withdrawal per month. This will include any withdrawal transaction type. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.18%
Business Money Market Account Savings	2.28%	2.30%
Min Balance $10,000 Details Required for business membership. $100 minimum balance to open account. No monthly service fee. Withdrawal Fee: Six (6) limited withdrawals including: check, draft, debit card, phone transfer, online, ACH and overdraft transfers are allowed each month. If you exceed these limits 3 times within a 12-month rolling period, the bank will convert your account to an account type without restrictions or be closed. There will be a $15.00 charge for each withdrawal after the sixth (6) withdrawal per month. This will include any withdrawal transaction type. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.18%
Business Money Market Account Savings	1.88%	1.90%
Min Balance $1,000 Details Required for business membership. $100 minimum balance to open account. No monthly service fee. Withdrawal Fee: Six (6) limited withdrawals including: check, draft, debit card, phone transfer, online, ACH and overdraft transfers are allowed each month. If you exceed these limits 3 times within a 12-month rolling period, the bank will convert your account to an account type without restrictions or be closed. There will be a $15.00 charge for each withdrawal after the sixth (6) withdrawal per month. This will include any withdrawal transaction type. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.18%
Business Money Market Account Savings	1.39%	1.40%
Min Balance $0 Details Required for business membership. $100 minimum balance to open account. No monthly service fee. Withdrawal Fee: Six (6) limited withdrawals including: check, draft, debit card, phone transfer, online, ACH and overdraft transfers are allowed each month. If you exceed these limits 3 times within a 12-month rolling period, the bank will convert your account to an account type without restrictions or be closed. There will be a $15.00 charge for each withdrawal after the sixth (6) withdrawal per month. This will include any withdrawal transaction type. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.18%
Business Primary Share Savings	0.10%	0.10%
Min Balance $10,000 Details Required for business membership. $100 minimum balance to open account. No monthly service fee. Withdrawal Fee: Six (6) limited withdrawals including: check, draft, debit card, phone transfer, online, ACH and overdraft transfers are allowed each month. If you exceed these limits 3 times within a 12-month rolling period, the bank will convert your account to an account type without restrictions or be closed. There will be a $15.00 charge for each withdrawal after the sixth (6) withdrawal per month. This will include any withdrawal transaction type. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.18%
Purple Savings	0.10%	0.10%
Min Balance $10,001 Details To open this account and receive the 3.25% APY, at least $2,500 must be from new deposits to the credit union. Must have a Primary Share and Purple Checking account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.18%
Business Primary Share Savings	0.05%	0.05%
Min Balance $1,000 Details Required for business membership. $100 minimum balance to open account. No monthly service fee. Withdrawal Fee: Six (6) limited withdrawals including: check, draft, debit card, phone transfer, online, ACH and overdraft transfers are allowed each month. If you exceed these limits 3 times within a 12-month rolling period, the bank will convert your account to an account type without restrictions or be closed. There will be a $15.00 charge for each withdrawal after the sixth (6) withdrawal per month. This will include any withdrawal transaction type. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.18%
Chickadee Club, Moo-La Club	0.05%	0.05%
Min Balance $1 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.18%
Club Account	0.05%	0.05%
Details No Minimum Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.18%
Valley Thrive Savings Account	-	0.05%
Min Deposit $10 Min Balance $10 Details Ages 18 - 25. This is a fixed rate account. APYs accurate as of the last dividend declaration date of 07.01.2026. Fees may reduce earnings. Dividends are calculated by the average daily balance method. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.18%

Valley First Credit Union Money Market Rates

Product	Rate	APY
Business Money Market Account Savings	2.76%	2.80%
Min Balance $250,000 Details Required for business membership. $100 minimum balance to open account. No monthly service fee. Withdrawal Fee: Six (6) limited withdrawals including: check, draft, debit card, phone transfer, online, ACH and overdraft transfers are allowed each month. If you exceed these limits 3 times within a 12-month rolling period, the bank will convert your account to an account type without restrictions or be closed. There will be a $15.00 charge for each withdrawal after the sixth (6) withdrawal per month. This will include any withdrawal transaction type. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.18%
Business Money Market Account Savings	2.52%	2.55%
Min Balance $100,000 Details Required for business membership. $100 minimum balance to open account. No monthly service fee. Withdrawal Fee: Six (6) limited withdrawals including: check, draft, debit card, phone transfer, online, ACH and overdraft transfers are allowed each month. If you exceed these limits 3 times within a 12-month rolling period, the bank will convert your account to an account type without restrictions or be closed. There will be a $15.00 charge for each withdrawal after the sixth (6) withdrawal per month. This will include any withdrawal transaction type. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.18%
Business Money Market Account Savings	2.28%	2.30%
Min Balance $10,000 Details Required for business membership. $100 minimum balance to open account. No monthly service fee. Withdrawal Fee: Six (6) limited withdrawals including: check, draft, debit card, phone transfer, online, ACH and overdraft transfers are allowed each month. If you exceed these limits 3 times within a 12-month rolling period, the bank will convert your account to an account type without restrictions or be closed. There will be a $15.00 charge for each withdrawal after the sixth (6) withdrawal per month. This will include any withdrawal transaction type. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.18%
Business Money Market Account Savings	1.88%	1.90%
Min Balance $1,000 Details Required for business membership. $100 minimum balance to open account. No monthly service fee. Withdrawal Fee: Six (6) limited withdrawals including: check, draft, debit card, phone transfer, online, ACH and overdraft transfers are allowed each month. If you exceed these limits 3 times within a 12-month rolling period, the bank will convert your account to an account type without restrictions or be closed. There will be a $15.00 charge for each withdrawal after the sixth (6) withdrawal per month. This will include any withdrawal transaction type. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.18%
Business Money Market Account Savings	1.39%	1.40%
Min Balance $0 Details Required for business membership. $100 minimum balance to open account. No monthly service fee. Withdrawal Fee: Six (6) limited withdrawals including: check, draft, debit card, phone transfer, online, ACH and overdraft transfers are allowed each month. If you exceed these limits 3 times within a 12-month rolling period, the bank will convert your account to an account type without restrictions or be closed. There will be a $15.00 charge for each withdrawal after the sixth (6) withdrawal per month. This will include any withdrawal transaction type. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.18%
Money Market	0.20%	0.20%
Min Balance $250,000 Details $100.00 minimum balance to open account. Monthly Maintenance Fee: $15 If the account balance falls below $5,000 on any day of the calendar month. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.18%
Money Market	0.15%	0.15%
Min Balance $50,000 Details $100.00 minimum balance to open account. Monthly Maintenance Fee: $15 If the account balance falls below $5,000 on any day of the calendar month. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.18%
Money Market	0.12%	0.12%
Min Balance $25,000 Details $100.00 minimum balance to open account. Monthly Maintenance Fee: $15 If the account balance falls below $5,000 on any day of the calendar month. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.18%
Money Market	0.10%	0.10%
Min Balance $10,000 Details $100.00 minimum balance to open account. Monthly Maintenance Fee: $15 If the account balance falls below $5,000 on any day of the calendar month. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.18%
Money Market	0.07%	0.07%
Min Balance $0 Details $1.00 minimum balance to open account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.18%

Valley First Credit Union Checking Rates

Product	Rate	APY
Interest Business Checking	0.20%	0.20%
Min Balance $25,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.18%
Impact Business Checking	0.15%	0.15%
Min Balance $250,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.18%
Interest Business Checking	0.15%	0.15%
Min Balance $10,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.18%
Interest Business Checking	0.10%	0.10%
Min Balance $5,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.18%
Impact Business Checking	0.05%	0.05%
Min Balance $100,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.18%
Interest Business Checking	0.05%	0.05%
Min Balance $0 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.18%

Valley First Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Autos (2025	-	-	5.49%	12-48 months
Details As Low As; Minimum Loan Amount $5,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.18%
New Autos (2025	-	-	5.59%	49-60 months
Details As Low As; Minimum Loan Amount $7,500 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.18%
Auto, Truck, SUV (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	-	-	5.79%	25 Years
Details As Low As; Rates effective as of 08.01.2026 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.18%
New Autos (2025	-	-	5.79%	67-72 months
Details As Low As; Minimum Loan Amount $15,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.18%
New Autos (2025	-	-	5.84%	73-84 months
Details As Low As; Minimum Loan Amount $15,000 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.18%
Auto, Truck, SUV (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	-	-	5.99%	25 Years
Details As Low As; Rates effective as of 08.01.2026 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.18%
Auto, Truck, SUV (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	-	-	6.09%	25 Years
Details As Low As; Rates effective as of 08.01.2026 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.18%
Auto, Truck, SUV (Used Autos: Model Years 2014 - 2015)	-	-	6.49%	12-48 months
Details As Low As; Mileage Cannot Exceed 200K Miles. Rates effective as of 08.01.2026 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.18%
Auto, Truck, SUV (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	-	-	6.49%	25 Years
Details As Low As; Rates effective as of 08.01.2026 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.18%
Auto, Truck, SUV (Used Autos: Model Years 2014 - 2015)	-	-	6.59%	49-60 months
Details As Low As; Mileage Cannot Exceed 200K Miles. Rates effective as of 08.01.2026 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.18%
Auto, Truck, SUV (Used Autos: Model Years 2014 - 2015)	-	-	6.79%	61-66 months
Details As Low As; Mileage Cannot Exceed 200K Miles. Rates effective as of 08.01.2026 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.18%
Auto, Truck, SUV (Used Autos: Model Years 2014 - 2015)	-	-	6.99%	67-72 months
Details As Low As; Mileage Cannot Exceed 200K Miles. Rates effective as of 08.01.2026 Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.18%

Valley First Credit Union Credit Card Rates

Product	Rate	APR	View More
Business Cash Back Credit Card	-	17.49%
Details APR for Purchases, Balance Transfers, Cash Advances Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.18%

Valley First Credit Union Personal Loan Rates

Product	Rate	APR
Personal Loans	-	10.12%
Details Rates effective as of 05.01.2026; As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.18%
Personal Loans	-	10.25%
Details Rates effective as of 05.01.2026; As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.18%
Personal Loans	-	10.37%
Details Rates effective as of 05.01.2026; As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.18%
Personal Loans	-	10.49%
Details Rates effective as of 05.01.2026; As Low As Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.18%

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 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 167

Part-Time Employees 0

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+ (97/100)

Texas Ratio

5.18%

Return on Assets (ROA)

0.4585%

Return on Equity (ROE)

4.5313%

Non-Performing Loans Ratio (NPL)

0.81%

Total Assets

1,043,373,733

Total Amount of Shares and Deposits

863,809,718

Total Shares and Deposits < 1 Year

836,144,734

Total Shares and Deposits 1 3 Years

27,031,511

Total Shares and Deposits > 3 Years

633,474

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

40,307,534

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

40,307,534

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

823,502,184

Total Interest Expense (Sum of items 6 8)

10,279,365

Share Certificates

3,966

Number of Accounts for Share Drafts

44,489

IRA KEOGH Accounts

1,667

Number of Accounts for Regular Shares

95,327

Non Member Deposits

Money Market Shares

2,343

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

4,784,242

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)

147,125,724

Total Liabilities

944,771,648

Source: NCUA — Last Updated 09/30/2025

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☆☆☆☆☆

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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.