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iAdvertiser Disclosure
Advertiser Disclosure
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 1st Valley Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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 →
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: April 18, 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 72.14%. Rates were last updated on 04/18/2026. 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. 1st Valley Credit Union
1st Valley Credit Union 401 W 2nd St
https://www.1stvalleycu.com San Bernardino, CA 92401 1525 
1st Valley Credit Union Mortgage Rates
1st Valley Credit Union Home Equity & HELOC
1st Valley Credit Union Auto Loan Rates
Methodology & Data SourcesMonitorBankRates 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
FinancialsMonitorBankRates Star Rating
1.0 / 5.0 ★
Overall Health & Safety Grade
F (24/100)
Texas Ratio
72.14%
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
Frequently Asked Questions About 1st Valley Credit UnionIs 1st Valley Credit Union a safe place to deposit money?Yes, 1st Valley Credit Union is considered a safe financial institution. With a Texas Ratio of 72.138071964271%, the institution's financial health is rated as stable. 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 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
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