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 Valley First Credit Union Rates & Review September 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.
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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 and Verified: September 22, 2026
Valley First Credit Union's 5 Month Special Premium CDs rates are at 4.00%, 12 Month Business CD rates are at 3.50%, 12 Month Premium CDs rates are at 3.50%, 12 Month CDs rates are at 3.50%, 18 Month Business CD rates are at 3.15%. 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 as low as 10.12%. Valley First Credit Union's Credit Card Rates are at 12.49%. 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 6.58%. Rates last updated and verified on 09/22/2026. 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. Valley First Credit Union
Orangeburg 1005 W Orangeburg Ave
https://www.valleyfirstcu.org Modesto, CA 95350 
Valley First Credit Union CD Rates
Valley First Credit Union Savings Rates
Valley First Credit Union Money Market Rates
Valley First Credit Union Checking Rates
Valley First Credit Union Auto Loan Rates
Valley First Credit Union RV, Boat and Powersport Loan Rates
Valley First Credit Union Credit Card Rates
Valley First Credit Union Personal Loan Rates
Valley First Credit Union Other Rates
Financial Health HistoryValley First Credit Union’s Texas Ratio rose from 4.88% in Q2 2023 to 6.58% in Q4 2025, so its financial health has held steady at a healthy level over the past 11 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates 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
168
Part-Time Employees
1
Branch Locations
8
ATM Locations
9
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
6.58%
Return on Assets (ROA)
0.5414%
Return on Equity (ROE)
5.4606%
Non-Performing Loans Ratio (NPL)
1.00%
Total Assets
1,063,799,460
Total Amount of Shares and Deposits
885,203,522
Total Shares and Deposits < 1 Year
856,709,909
Total Shares and Deposits 1 3 Years
27,885,605
Total Shares and Deposits > 3 Years
608,007
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
43,541,095
Total Uninsured Shares and Deposits > $250K (F+J)
43,541,095
Total Insured Shares and Deposits > $250K (item 17 less item K)
841,662,427
Total Interest Expense (Sum of items 6 8)
13,713,908
Share Certificates
4,156
Number of Accounts for Share Drafts
44,801
IRA KEOGH Accounts
1,658
Number of Accounts for Regular Shares
96,025
Non Member Deposits
14
Money Market Shares
2,336
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)
128,246,453
Total Liabilities
963,849,447
Source: NCUA — Last Updated 12/31/2025
Customer Reviews
There are no reviews for Valley First Credit Union yet. Feel free to create one below.
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Valley First Credit Union
Frequently Asked Questions About Valley First Credit UnionHow 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. Current Valley First Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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