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VALLEY AGRICULTURAL Rates & Review March 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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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.
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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: March 28, 2026

You can compare VALLEY AGRICULTURAL rates to other rates in our database, including 12-month share certificate rates currently at 0.35%, 6-month share certificate rates at 1.25% and 3-month share certificate rates at 0.30%. Savings rates are at 0.15% and money market rates are at 0.22%. Mortgage rates on 30-year fixed loans are around 5.61%. All these rates can be compared to VALLEY AGRICULTURAL rates. MonitorBankRates evaluates the financial stability of VALLEY AGRICULTURAL with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.58%. Rates were last updated on 03/28/2026.

VALLEY AGRICULTURAL 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 AGRICULTURAL? Share your experience about VALLEY AGRICULTURAL by leaving a review below, or read customer reviews before you decide to use VALLEY AGRICULTURAL.

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 99/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
1.58%
Excellent Lower than avg
Vermilion B&T Co.
VALLEY AGRIGCULTURAL FEDERAL CREDIT UNION
1141 CUMMINGS RD
SANTA PAULA, CA 93060
http://www.valleyagfcu.org
Member NCUA

Current Rate Availability

We do not have VALLEY AGRICULTURAL rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for VALLEY AGRICULTURAL 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 AGRICULTURAL 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 AGRICULTURAL's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name VALLEY AGRICULTURAL
Website http://www.valleyagfcu.org
Address 1141 CUMMINGS RD, SANTA PAULA, CA 93060
Phone 805-525-9989
Fax 805-525-8373
President Stewart Lockwood
CEO Cynthia Garcia
Full-Time Employees 0
Part-Time Employees 3
Branch Locations 2
ATM Locations 0
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.58%
Return on Assets (ROA)
0.2997%
Return on Equity (ROE)
2.7881%
Non-Performing Loans Ratio (NPL)
0.36%
Total Assets
4,873,162
Total Amount of Shares and Deposits
4,345,900
Total Shares and Deposits < 1 Year
4,297,803
Total Shares and Deposits 1 3 Years
48,097
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
25,154
Total Uninsured Shares and Deposits > $250K (F+J)
25,154
Total Insured Shares and Deposits > $250K (item 17 less item K)
4,320,746
Total Interest Expense (Sum of items 6 8)
23,190
Share Certificates
75
Number of Accounts for Regular Shares
599
All other shares
47
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
198,265
Total Liabilities
4,349,367
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Total Reviews
0
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Frequently Asked Questions About VALLEY AGRICULTURAL

Is VALLEY AGRICULTURAL a safe place to deposit money?

Yes, VALLEY AGRICULTURAL is considered a safe financial institution. With a Texas Ratio of 1.5843984765032%, the institution's financial health is rated as excellent. 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 VALLEY AGRICULTURAL operate?

VALLEY AGRICULTURAL 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 AGRICULTURAL?

Yes, to access services at VALLEY AGRICULTURAL, 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 AGRICULTURAL 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 AGRICULTURAL provides members with tools to manage their accounts and build a solid financial history.

Does VALLEY AGRICULTURAL offer online and mobile banking?

Most modern institutions like VALLEY AGRICULTURAL 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: http://www.valleyagfcu.org.

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