Valley First Credit Union

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Review based on 12 criteria Rating: 3 out of 5

PO Box 1411, Modesto, CA 95353

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Valley First Credit Union was founded in 1956. Headquartered in Modesto, California, Valley First Credit Union is a state chartered and federally insured credit union, being chartered in California and insured through the National Credit Union Share Insurance Fund (NCUSIF). Valley First Credit Union is also a member of the , which allows a credit union to access low cost secured borrowings or advances and prlides its members with financial products and services that assist and enhance the financing of housing and community lending.

As of December 31, 2016, Valley First Credit Union services 67,599 members through its 12 offices and branches and 155 full-time and 2 part-time employees. It has $586,820,092 of total assets and $61,279,206 of net worth. Based on its asset size and net worth ratio, Valley First Credit Union is classified as a Well Capitalized large credit union.

Valley First Credit Union offers a number of deposit and loan products to its members. To find out how competitive the offers are, please go to the Interest Rates page. Valley First Credit Union also provides an array of services to its members and local communities. To find out more, please go to the Services page.

The following two tables list the deplitory and loan interest rates of Valley First Credit Union’s popular offerings. You can find out how competitive the offerings are by comparing them to the median interest rates offered by credit unions in California and in the nation.

Major Deplitory Accounts and Interest Rates (%)

Interest Rate
Median of California
Median of USA
Checking
0.2500
0.0000
0.0000
Savings
0.0400
0.1000
0.1200
Money Market
0.0800
0.1900
0.2500
Certificate Deplit
0.3750
0.5500
0.5800
IRA
0.4750
0.4500
0.5000

Major Loan Accounts and Interest Rates (%)

Interest Rate
Median Rates of California
National Median Rates
Credit Cards
8.3600
10.0400
9.9900
Unsecured Line of Credits
13.3400
10.9900
10.9500
Short-term Small Amount
n/a
28.0000
25.0000
Student Loans
7.6700
5.7500
6.0200
New Car Loans
3.4200
3.0000
3.3300
Used Car Loans
4.1000
3.7400
4.5000
1st Mortgage Real Estates
4.2300
4.0300
4.2500
Other Real Estates
5.3800
4.7400
4.7000

Valley First Credit Union prlides a number of ways to access its services. In addition to its office and branches, a member can perform banking through Internet, phones, ATMs, and mobile devices. The table below lists the electronic banking services prlided by Valley First Credit Union.

Electronic Banking Service Offerings

Membership Application
Yes
Yes
Share Account Transfers
Yes
New Loan Application
Yes
Share Draft Orders
Yes
Yes
New Share Account
No
Bill Payment
Yes
No
e-Statements
Yes
Loan Payments
Yes
No
Account Balance Inquiry
Yes
Yes
No
View Account History
Yes
No

As a community financial institution, Valley First Credit Union actively involves in local communities by prliding services such as financial counseling, financial education, financial literacy workshops, first tim home buyer programs, and student scholarships.

Community and other Service Offerings

Financial Counselling
Yes
Bilingual Services
Yes
Free Bill Pay
Yes
Financial Education
Yes
In-School Branches
No
Free Tax Preparation Service
No
Financial Literacy Workshops
Yes
Student Scholarships
Yes
Insurance/Investment Sales
Yes
First Time Homebuyer Program
Yes
Ceres Branch
1501 Mitchell Rd
Ceres, CA 95307
Phone:

Clovis Branch
1177 N Willow Ave Ste 101
Clovis, CA 93611-4410
Phone:

Dale Rd
3401 Dale Rd
Modesto, CA 95356
Phone:

East Shaw Branch
618 E Shaw Ave
Fresno, CA 93710-7704
Phone:

J Street
1419 J St
Modesto, CA 95354
Phone:

Madera
126 N D St
Madera, CA 93638
Phone:

Oakdale
126 W F St
Oakdale, CA 95361-3842
Phone:

Orangeburg
Main Office

1005 W Orangeburg Ave
Modesto, CA 95350
Phone:

Stockton Branch
1611 W March Ln
Stockton, CA 95207
Phone:

Tracy Branch
1003 n Central Ave
Tracy, CA 95376-3914
Phone:

Turlock
2655 Geer Rd
Turlock, CA 95382
Phone:

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  1. dizhome.ru Staff
    dizhome.ru Staff

    Last Updated on May 30, 2017

    May 30, 2017 at 10:25 pm

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