MonitorBankRates
☰
  1. Home›
  2. Credit Unions›
  3. 1st Valley Credit Union
iAdvertiser Disclosure
Advertiser Disclosure Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.

1st Valley Credit Union Rates & Review May 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated: May 29, 2026

1st Valley Credit Union's Personal Loan Rates are at 4.99%. MonitorBankRates evaluates the financial stability of 1st Valley Credit Union with a 1.0 Star Rating, an F Overall Health Grade, and a Texas Ratio of 39.12%. Rates were last updated on 05/29/2026.

1st Valley 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 1st Valley Credit Union? Share your experience about 1st Valley Credit Union by leaving a review below, or read customer reviews before you decide to use 1st Valley Credit Union.

Overall Health & Safety Grade ?
F
High Risk Health Score: 40/100
MonitorBankRates Rating ?
1.0
Weak Out of 5.0 Stars
Texas Ratio ?
39.12%
Fair Higher than avg
1st Valley Credit Union
1st Valley Credit Union
401 W 2nd St
San Bernardino, CA 92401 1525
https://www.1stvalleycu.com
Member NCUA

1st Valley Credit Union Mortgage Rates

Product Rate Points APR Term View More
Home - 30 Year Fixed 6.38% - 6.53% 30 Year
Details As Low As; Home - 30 Year Fixed
Last Updated 05/20/2026
Institution Ratings
1.0
Star Rating
F
Health Grade
◈ Texas Ratio: 39.12%

1st Valley Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Utah Auto Loans - 5 Year Fixed - - 4.99%
Details As Low As; Utah Auto Loans - 5 Year Fixed
Last Updated 05/20/2026
Institution Ratings
1.0
Star Rating
F
Health Grade
◈ Texas Ratio: 39.12%
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.
Powered by MonitorBankRates

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for 1st Valley 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 1st Valley 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 1st Valley Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name 1st Valley Credit Union
Website https://www.1stvalleycu.com
Address 401 W 2nd St, San Bernardino, CA 92401 1525
Phone 909-889-0838
Fax 909-889-7973
President Craig Scott
CEO Martha Ramos
Full-Time Employees 8
Part-Time Employees 0
Branch Locations 1
ATM Locations 1
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
1.0 / 5.0 ★
Overall Health & Safety Grade
F (40/100)
Texas Ratio
39.12%
Return on Assets (ROA)
-4.7937%
Return on Equity (ROE)
-136.5363%
Non-Performing Loans Ratio (NPL)
5.65%
Total Assets
45,967,815
Total Amount of Shares and Deposits
49,757,653
Total Shares and Deposits < 1 Year
43,792,729
Total Shares and Deposits 1 3 Years
4,960,910
Total Shares and Deposits > 3 Years
1,004,014
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
910,559
Total Uninsured Shares and Deposits > $250K (F+J)
975,419
Total Insured Shares and Deposits > $250K (item 17 less item K)
48,782,234
Total Interest Expense (Sum of items 6 8)
134,958
Share Certificates
35
Number of Accounts for Share Drafts
2,124
IRA KEOGH Accounts
99
Number of Accounts for Regular Shares
4,507
Non Member Deposits
25
Net Income (unless the amount is already included in Undivided Earnings)
-2,203,575
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
2,906,111
Total Liabilities
50,056,970
Source: NCUA — Last Updated 03/31/2024

Customer Reviews

Want to discuss 1st Valley Credit Union with other members? Visit our Community Reviews hub to see all reviews, ask questions, and join the conversation.
Average Rating
★★★★★
Total Reviews
1
Add Your Rating and Review for 1st Valley Credit Union
Your Name:
Your Rating:

Frequently Asked Questions About 1st Valley Credit Union

How many branches does 1st Valley Credit Union operate?

1st Valley 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 1st Valley Credit Union?

Yes, to access services at 1st Valley 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, 1st Valley 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, 1st Valley Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does 1st Valley Credit Union offer online and mobile banking?

Most modern institutions like 1st Valley 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.1stvalleycu.com.

Compare to Other Credit Unions

City Credit Union Newrizons Federal Credit Union AMPOT Federal Credit Union TULARE COUNTY Arkansas Superior Federal Credit Union MEDINA COUNTY T.E.A. Federal Credit Union Railway Credit Union First Us Community Credit Union Arlington Municipal Federal Credit Union TruService Community Federal Credit Union New Brunswick Postal Federal Credit Union Norwin Teachers Federal Credit Union ABYSSINIAN BAPTIST CHURCH O&R Utilities Employees Federal Credit Union Orange Countys Credit Union MNCPPC Federal Credit Union NEXT STEP Metro Federal Credit Union Lakehurst Naval Federal Credit Union Bourns Employees Federal Credit Union