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Valley First Credit Union

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Valley First Credit Union Rates & Review November 2026

Q: What are the current interest rates at Valley First Credit Union?

Current rates for Valley First Credit Union include: 12-Month CD: 3.50%, 18-Month CD: 0.68%, 24-Month CD: 0.85%, 60-Month CD: 1.75%, Savings: 3.25%, MMA: 0.20%

Q: What CD terms does Valley First Credit Union offer?

Valley First Credit Union CD rates are 3.10% APY for a 9 month CD, 3.50% APY for a 12 month CD, 3.15% APY for an 18 month CD, 3.10% APY for a 2 year CD and 1.75% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Valley First Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

Valley First Credit Union's 12 Month Premium CDs rates are at 3.50%, 12 Month CDs rates are at 3.50%, 18 Month Premium CDs rates are at 3.15%, 24 Month Premium CDs rates are at 3.10%, 9 Month Premium CDs rates are at 3.10%. Valley First Credit Union's savings rates are at 3.25%. Valley First Credit Union's money market rates are at 0.20%. Valley First Credit Union's checking rates are as high as 0.20%. Valley First Credit Union's Personal Loan Rates are as low as 6.24%. Valley First Credit Union's Credit Card Rates are at 12.49%. Valley First Credit Union's CD rates are 6% higher than the MonitorBankRates national average, and it has an A+ health rating. 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 4.80%. Rates last updated and verified on 10/30/2026.

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.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.80%

Excellent Lower than avg

Health Trend

Very strong 2 quarters

Full history ›

Valley First Credit Union
Orangeburg

1005 W Orangeburg Ave
Modesto, CA 95350

https://www.valleyfirstcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Valley First Credit Union CD Rates

Product	Rate	APY	Term
5 Month IRA Special Premium Certificates	3.93%	4.00%	5 months
Min Balance $10,000 Details IRA; Special Term Share: requires 50% of deposit in new money (funds not on deposit at Valley First CU in the 30 days prior) Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 4.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
5 Month Special Premium Certificates	3.93%	4.00%	5 months
Min Balance $10,000 Details Regular account; Special Term Share: requires 50% of deposit in new money (funds not on deposit at Valley First CU in the 30 days prior) Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
12 Month IRA Premium Certificates	3.45%	3.50%	12 months
Min Balance $10,000 Details IRA; Term Share (Certificate) maturity 3 to 60 months Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
12 Month IRA Share Certificates	3.45%	3.50%	12 months
Min Balance $1,000 Details IRA; Term Share (Certificate) maturity 3 to 60 months Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
12 Month Premium Certificates	3.45%	3.50%	12 months
Min Balance $10,000 Details Regular account; Term Share (Certificate) maturity 3 to 60 months Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
12 Month Share Certificates	3.45%	3.50%	12 months
Min Balance $1,000 Details Regular account; Term Share (Certificate) maturity 3 to 60 months Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
18 Month IRA Premium Certificates	3.11%	3.15%	18 months
Min Balance $10,000 Details IRA; Term Share (Certificate) maturity 3 to 60 months Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
18 Month Premium Certificates	3.11%	3.15%	18 months
Min Balance $10,000 Details Regular account; Term Share (Certificate) maturity 3 to 60 months Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
24 Month IRA Premium Certificates	3.06%	3.10%	24 months
Min Balance $10,000 Details IRA; Term Share (Certificate) maturity 3 to 60 months Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
24 Month Premium Certificates	3.06%	3.10%	24 months
Min Balance $10,000 Details Regular account; Term Share (Certificate) maturity 3 to 60 months Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
9 Month IRA Premium Certificates	3.06%	3.10%	9 months
Min Balance $10,000 Details IRA; Term Share (Certificate) maturity 3 to 60 months Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
9 Month Premium Certificates	3.06%	3.10%	9 months
Min Balance $10,000 Details Regular account; Term Share (Certificate) maturity 3 to 60 months Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.10% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
6 Month IRA Premium Certificates	2.96%	3.00%	6 months
Min Balance $10,000 Details IRA; Term Share (Certificate) maturity 3 to 60 months Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
6 Month Premium Certificates	2.96%	3.00%	6 months
Min Balance $10,000 Details Regular account; Term Share (Certificate) maturity 3 to 60 months Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
36 Month IRA Premium Certificates	2.72%	2.75%	36 months
Min Balance $10,000 Details IRA; Term Share (Certificate) maturity 3 to 60 months Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 2.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
36 Month Premium Certificates	2.72%	2.75%	36 months
Min Balance $10,000 Details Regular account; Term Share (Certificate) maturity 3 to 60 months Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
48 Month IRA Premium Certificates	1.83%	1.85%	48 months
Min Balance $10,000 Details IRA; Term Share (Certificate) maturity 3 to 60 months Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 1.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
48 Month Premium Certificates	1.83%	1.85%	48 months
Min Balance $10,000 Details Regular account; Term Share (Certificate) maturity 3 to 60 months Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 1.85% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
60 Month IRA Premium Certificates	1.74%	1.75%	60 months
Min Balance $10,000 Details IRA; Term Share (Certificate) maturity 3 to 60 months Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 1.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
60 Month Premium Certificates	1.74%	1.75%	60 months
Min Balance $10,000 Details Regular account; Term Share (Certificate) maturity 3 to 60 months Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 1.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
36 Month IRA Share Certificates	0.95%	0.95%	36 months
Min Balance $1,000 Details IRA; Term Share (Certificate) maturity 3 to 60 months Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.95% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
36 Month Share Certificates	0.95%	0.95%	36 months
Min Balance $1,000 Details Regular account; Term Share (Certificate) maturity 3 to 60 months Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.95% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
24 Month IRA Share Certificates	0.85%	0.85%	24 months
Min Balance $1,000 Details IRA; Term Share (Certificate) maturity 3 to 60 months Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
24 Month Share Certificates	0.85%	0.85%	24 months
Min Balance $1,000 Details Regular account; Term Share (Certificate) maturity 3 to 60 months Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.85% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
18 Month IRA Share Certificates	0.68%	0.68%	18 months
Min Balance $1,000 Details IRA; Term Share (Certificate) maturity 3 to 60 months Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.68% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
18 Month Share Certificates	0.68%	0.68%	18 months
Min Balance $1,000 Details Regular account; Term Share (Certificate) maturity 3 to 60 months Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.68% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
6 Month IRA Share Certificates	0.31%	0.31%	6 months
Min Balance $1,000 Details IRA; Term Share (Certificate) maturity 3 to 60 months Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.31% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
6 Month Share Certificates	0.31%	0.31%	6 months
Min Balance $1,000 Details Regular account; Term Share (Certificate) maturity 3 to 60 months Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.31% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%

Valley First Credit Union Business CD Rates

Product	Rate	APY	Term
12 Month Business Share Certificate	3.45%	3.50%	12 months
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
18 Month Business Share Certificate	3.11%	3.15%	18 months
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
24 Month Business Share Certificate	3.06%	3.10%	24 months
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
6 Month Business Share Certificate	2.96%	3.00%	6 months
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
36 Month Business Share Certificate	2.72%	2.75%	36 months
No additional details. Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%

Valley First Credit Union Savings Rates

Product	Rate	APY
Purple Savings	3.20%	3.25%
Min Balance $0 Details Balance: Up to $10,000; To open this account and receive the 3.25% APY, at least $2,500 must be from new deposits to the credit union; Must have a Primary Share and Purple Checking account Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Primary and Secondary Shares	0.15%	0.15%
Min Balance $125,000 Details Balance: $125,000 or greater Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Primary and Secondary Shares	0.12%	0.12%
Min Balance $100,000 Details Balance: $100,000 - $124,999.99 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 0.12% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Primary and Secondary Shares	0.10%	0.10%
Min Balance $75,000 Details Balance: $75,000 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Purple Savings	0.10%	0.10%
Min Balance $0 Details Balance: Greater than $10,000 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 0.10% ▼ 3.15 pts · high 3.25% / low 0.10% Oct 14, 20260.10%▼ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Primary and Secondary Shares	0.07%	0.07%
Min Balance $30,000 Details Balance: $30,000 - $74,999.99 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 0.07% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Chickadee Club, Moo-La Club	0.05%	0.05%
Min Balance $1 Details Balance: $1 - $24 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Chickadee Club, Moo-La Club	0.05%	0.05%
Min Balance $25 Details Balance: $25 or greater Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Club Account	0.05%	0.05%
Min Balance $0 Details Balance: No Minimum Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Primary and Secondary Shares	0.03%	0.03%
Min Balance $1,000 Details Balance: $1,000 - $29,999.99 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 0.03% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Primary and Secondary Shares	0.00%	0.00%
Min Balance $0 Details Balance: Up to $999.99 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 0.03% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%

Valley First Credit Union Business Savings Rates

Product	Rate	APY
Business Money Market Account Savings	2.67%	2.70%
Min Balance $250,000 Details Balance: $250,000 - $499,999.99 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 2.70% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Business Money Market Account Savings	2.67%	2.70%
Min Balance $500,000 Details Balance: $500,000 or greater Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 2.70% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Business Money Market Account Savings	2.42%	2.45%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 2.45% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Business Money Market Account Savings	2.18%	2.20%
Min Balance $10,000 Details Balance: $10,000 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 2.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Business Money Market Account Savings	1.79%	1.80%
Min Balance $1,000 Details Balance: $1,000 - $9,999.99 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 1.80% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Business Money Market Account Savings	1.29%	1.30%
Min Balance $0 Details Balance: Up to $999.99 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 1.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Business Primary Share Savings	0.10%	0.10%
Min Balance $10,000 Details Balance: $10,000 or greater Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Business Primary Share Savings	0.05%	0.05%
Min Balance $1,000 Details Balance: $1,000 - $9,999.99 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%

Valley First Credit Union Money Market Rates

Product	Rate	APY
Money Market	0.20%	0.20%
Min Balance $250,000 Details Balance: $250,000 or greater Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Money Market	0.15%	0.15%
Min Balance $50,000 Details Balance: $50,000 - $249,999.99 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Money Market	0.12%	0.12%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 0.12% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Money Market	0.10%	0.10%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Money Market	0.07%	0.07%
Min Balance $0 Details Balance: Up to $9,999.99 Last Updated 10/30/2026 Rate History No change since Sep 22, 2026 · 0.07% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%

Valley First Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market Account Savings	2.67%	2.70%
Min Balance $250,000 Details Balance: $250,000 - $499,999.99 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 2.70% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Business Money Market Account Savings	2.67%	2.70%
Min Balance $500,000 Details Balance: $500,000 or greater Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 2.70% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Business Money Market Account Savings	2.42%	2.45%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 2.45% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Business Money Market Account Savings	2.18%	2.20%
Min Balance $10,000 Details Balance: $10,000 - $99,999.99 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 2.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Business Money Market Account Savings	1.79%	1.80%
Min Balance $1,000 Details Balance: $1,000 - $9,999.99 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 1.80% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Business Money Market Account Savings	1.29%	1.30%
Min Balance $0 Details Balance: Up to $999.99 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 1.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%

Valley First Credit Union Business Checking Rates

Product	Rate	APY
Interest Business Checking	0.20%	0.20%
Min Balance $25,000 Details Balance: $25,000 or greater Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Impact Business Checking	0.15%	0.15%
Min Balance $250,000 Details Balance: $250,000 or greater Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Interest Business Checking	0.15%	0.15%
Min Balance $10,000 Details Balance: $10,000 - $24,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Interest Business Checking	0.10%	0.10%
Min Balance $5,000 Details Balance: $5,000 - $9,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Impact Business Checking	0.05%	0.05%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Interest Business Checking	0.05%	0.05%
Details Balance: Up to $4,999.99 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%

Valley First Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto, Truck, SUV (New Autos: Model Years 2025 and newer)	-	-	5.49%	12-48 months
Details As Low As; Minimum Loan Amount: $5,000; Never registered or below 10K miles; Rates effective as of 08.01.2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Auto, Truck, SUV (New Autos: Model Years 2025 and newer)	-	-	5.59%	49-60 months
Details As Low As; Minimum Loan Amount: $7,500; Never registered or below 10K miles; Rates effective as of 08.01.2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 5.59% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Auto, Truck, SUV (New Autos: Model Years 2025 and newer)	-	-	5.59%	61-66 months
Details As Low As; Minimum Loan Amount: $10,000; Never registered or below 10K miles; Rates effective as of 08.01.2026 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 5.59% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Auto, Truck, SUV (New Autos: Model Years 2025 and newer)	-	-	5.79%	67-72 months
Details As Low As; Minimum Loan Amount: $15,000; Never registered or below 10K miles; Rates effective as of 08.01.2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.79% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Used Auto, Truck, SUV Loan	-	-	5.79%	12-48 months
Details As Low As; Minimum loan amount: $5,000; Model Years 2016-2024 or 2025-2026 10k miles or greater; Classic cars included (25 years or older); Mileage 10K or greater on 2023-2024, cannot exceed 200K; Rates effective as of 08.01.2026 Last Updated 10/30/2026 Rate History 1 change since Oct 10, 2026 · 6.49% → 5.79% ▼ 0.70 pts · high 6.49% / low 5.79% Oct 19, 20265.79%▼ from 6.49% Oct 10, 20266.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Auto, Truck, SUV (New Autos: Model Years 2025 and newer)	-	-	5.84%	73-84 months
Details As Low As; Minimum Loan Amount: $15,000; Never registered or below 10K miles; Rates effective as of 08.01.2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 5.84% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Used Auto, Truck, SUV Loan	-	-	5.99%	49-60 months
Details As Low As; Minimum loan amount: $7,500; Model Years 2016-2024 or 2025-2026 10k miles or greater; Classic cars included (25 years or older); Mileage 10K or greater on 2023-2024, cannot exceed 200K; Rates effective as of 08.01.2026 Last Updated 10/30/2026 Rate History 1 change since Oct 10, 2026 · 6.59% → 5.99% ▼ 0.60 pts · high 6.59% / low 5.99% Oct 19, 20265.99%▼ from 6.59% Oct 10, 20266.59%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Used Auto, Truck, SUV Loan	-	-	5.99%	61-66 months
Details As Low As; Minimum loan amount: $10,000; Model Years 2016-2024 or 2025-2026 10k miles or greater; Classic cars included (25 years or older); Mileage 10K or greater on 2023-2024, cannot exceed 200K; Rates effective as of 08.01.2026 Last Updated 10/30/2026 Rate History 1 change since Oct 10, 2026 · 6.79% → 5.99% ▼ 0.80 pts · high 6.79% / low 5.99% Oct 19, 20265.99%▼ from 6.79% Oct 10, 20266.79%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Used Auto, Truck, SUV Loan	-	-	6.09%	67-72 months
Details As Low As; Minimum loan amount: $15,000; Model Years 2016-2024 or 2025-2026 10k miles or greater; Classic cars included (25 years or older); Mileage 10K or greater on 2023-2024, cannot exceed 200K; Rates effective as of 08.01.2026 Last Updated 10/30/2026 Rate History 1 change since Oct 10, 2026 · 6.99% → 6.09% ▼ 0.90 pts · high 6.99% / low 6.09% Oct 19, 20266.09%▼ from 6.99% Oct 10, 20266.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Auto, Truck, SUV (Used Autos: Model Years 2014 - 2015)	-	-	6.49%	12-48 months
Details As Low As; Minimum Loan Amount: $5,000; Mileage Cannot Exceed 200K Miles; Rates effective as of 08.01.2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Used Auto, Truck, SUV Loan	-	-	6.49%	73-84 months
Details As Low As; Minimum loan amount: $15,000; Model Years 2016-2024 or 2025-2026 10k miles or greater; Classic cars included (25 years or older); Mileage 10K or greater on 2023-2024, cannot exceed 200K; Rates effective as of 08.01.2026 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 6.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Auto, Truck, SUV (Used Autos: Model Years 2014 - 2015)	-	-	6.59%	49-60 months
Details As Low As; Minimum Loan Amount: $7,500; Mileage Cannot Exceed 200K Miles; Rates effective as of 08.01.2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.59% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Auto, Truck, SUV (Used Autos: Model Years 2014 - 2015)	-	-	6.79%	61-66 months
Details As Low As; Minimum Loan Amount: $10,000; Mileage Cannot Exceed 200K Miles; Rates effective as of 08.01.2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.79% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Auto, Truck, SUV (Used Autos: Model Years 2014 - 2015)	-	-	6.99%	67-72 months
Details As Low As; Minimum Loan Amount: $15,000; Mileage Cannot Exceed 200K Miles; Rates effective as of 08.01.2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%

Valley First Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Recreational Vehicle - 36 Months Loan	-	8.50%	36 months
Details As Low As; Minimum Loan Amount: $2,500; New & Used 2016 or Newer; Rates effective as of 01.01.2025 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 8.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Recreational Vehicle - 48 Months Loan	-	8.50%	48 months
Details As Low As; Minimum Loan Amount: $5,000; New & Used 2016 or Newer; Rates effective as of 01.01.2025 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 8.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Recreational Vehicle - 60 Months Loan	-	8.50%	60 months
Details As Low As; Minimum Loan Amount: $7,500; New & Used 2016 or Newer; Rates effective as of 01.01.2025 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 8.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Recreational Vehicle - 72 Months Loan	-	8.50%	72 months
Details As Low As; Minimum Loan Amount: $15,000; New & Used 2016 or Newer; Rates effective as of 01.01.2025 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 8.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Recreational Vehicle - 84 Months Loan	-	8.50%	84 months
Details As Low As; Minimum Loan Amount: $20,000; New & Used 2016 or Newer; Rates effective as of 01.01.2025 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 8.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Recreational Vehicle - 120 Months Loan	-	8.75%	120 months
Details As Low As; Minimum Loan Amount: $20,000; New & Used 2016 or Newer; Rates effective as of 01.01.2025 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 8.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Recreational Vehicle - 96 Months Loan	-	8.75%	96 months
Details As Low As; Minimum Loan Amount: $20,000; New & Used 2016 or Newer; Rates effective as of 01.01.2025 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 8.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Recreational Vehicle - 144 Months Loan	-	9.00%	144 months
Details As Low As; Minimum Loan Amount: $30,000; New & Used 2016 or Newer; Rates effective as of 01.01.2025 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 9.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Recreational Vehicle - 180 Months Loan	-	9.00%	180 months
Details As Low As; Minimum Loan Amount: $30,000; New & Used 2016 or Newer; Rates effective as of 01.01.2025 Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 9.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%

Valley First Credit Union Credit Card Rates

Product	Rate	APR
Cash Back Credit Card	-	12.49%
Details Published APR range: 12.49%-18.00%. APR for Purchases, Balance Transfers, Cash Advances; Effective Date: 02.01.2026; Rates determined by credit history Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 12.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Business Cash Back Credit Card	-	17.49%
Details Published APR range: 17.49%-18.00%. APR for Purchases, Balance Transfers, Cash Advances; Effective Date: 02.01.2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 17.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Signature Credit Card	-	18.00%
Details APR for Purchases, Balance Transfers, Cash Advances; Effective Date: 02.01.2026; Rates determined by credit history Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 18.00% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%

Valley First Credit Union Personal Loan Rates

Product	APR	Term
Solar Loans (Primary Residence)	6.24%	1-96 months
Details As Low As; Loan Amount: $0 - $100,000; Rates effective as of 09.08.2025 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Solar Loans (Primary Residence)	6.24%
Details APR range 6.24% to 7.99%; the range is stated for this loan program; payment examples at 96, 180 and 240 months; rates subject to credit qualifications Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 6.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Solar Loans (Primary Residence)	6.49%	97-180 months
Details As Low As; Loan Amount: $10,000 - $100,000; Rates effective as of 09.08.2025 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Solar Loans (Primary Residence)	6.74%	181-240 months
Details As Low As; Loan Amount: $25,000 - $100,000; Rates effective as of 09.08.2025 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 6.74% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Solar Loans (Investment/Second Home)	7.24%	1-96 months
Details As Low As; Loan amount $0 - $100,000; Rates effective as of 09.08.2025 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Solar Loans (Investment/Second Home)	7.24%
Details APR range 7.24% to 8.99%; the range is stated for this loan program; payment examples at 96, 180 and 240 months; rates subject to credit qualifications Last Updated 10/30/2026 Rate History No change since Oct 30, 2026 · 7.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Solar Loans (Investment/Second Home)	7.57%	97-180 months
Details As Low As; Loan amount $10,000 - $100,000; Rates effective as of 09.08.2025 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.57% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Solar Loans (Investment/Second Home)	7.74%	181-240 months
Details As Low As; Loan amount $25,000 - $100,000; Rates effective as of 09.08.2025 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 7.74% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Personal Loans	10.12%	12 months
Details As Low As; Minimum Loan Amount: $500; Rates effective as of 05.01.2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 10.12% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Personal Loans	10.25%	13-24 months
Details As Low As; Minimum Loan Amount: $1,000; Rates effective as of 05.01.2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 10.25% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Personal Loans	10.37%	25-36 months
Details As Low As; Minimum Loan Amount: $2,500; Rates effective as of 05.01.2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 10.37% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Personal Loans	10.49%	37-60 months
Details As Low As; Minimum Loan Amount: $5,000; Rates effective as of 05.01.2026 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 10.49% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Signature Credit Card	18.00%
Details APR for Purchases, Balance Transfers, Cash Advances; Effective Date: 02.01.2026; Rates determined by credit history Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 18.00% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%

Valley First Credit Union Other Rates

Product	Rate	Points	APY/APR
Grow Forward	0.05%	-	0.05%
Min Balance $10 Details Balance: $10 - $24 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Grow Forward	0.05%	-	0.05%
Min Balance $25 Details Balance: $25 or greater Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Regular IRA	0.15%	-	0.15%
Min Balance $0 Details Balance: No Minimum Last Updated 10/30/2026 Rate History No change since Oct 19, 2026 · 0.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Valley Thrive	0.05%	-	0.05%
Min Balance $10 Details Balance: $10 - $24 Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Valley Thrive	0.05%	-	0.05%
Min Balance $25 Details Balance: $25 or greater Last Updated 10/30/2026 Rate History No change since Oct 10, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%

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.

Financial Health History

Valley First Credit Union’s Texas Ratio stayed near 4.54% in Q1 2026 to 4.80% in Q2 2026, so its financial health has stayed very strong over the past 2 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold 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 Grade

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.1B	4.80%	5.0	A+
March 31, 2026	$1.1B	4.54%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates 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 171

Part-Time Employees 1

Branch Locations 8

ATM Locations 9

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.80%

Return on Assets (ROA)

0.2866%

Return on Equity (ROE)

2.9213%

Non-Performing Loans Ratio (NPL)

0.71%

Total Assets

1,107,626,913

Total Amount of Shares and Deposits

925,764,827

Total Shares and Deposits < 1 Year

909,883,845

Total Shares and Deposits 1 3 Years

15,274,286

Total Shares and Deposits > 3 Years

606,695

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

52,115,617

Total Uninsured Shares and Deposits > $250K (F+J)

52,115,617

Total Insured Shares and Deposits > $250K (item 17 less item K)

873,649,210

Total Interest Expense (Sum of items 6 8)

6,752,376

Share Certificates

4,498

Number of Accounts for Share Drafts

44,903

IRA KEOGH Accounts

1,745

Number of Accounts for Regular Shares

96,999

Non Member Deposits

Money Market Shares

2,285

Net Income (unless the amount is already included in Undivided Earnings)

3,174,071

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)

116,067,334

Total Liabilities

1,004,610,680

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Valley First Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Valley First Credit Union

Does Valley First Credit Union offer CDs?

Yes. Valley First Credit Union current CD rates include its 12 Month Premium CDs at 3.50% APY, its 12 Month CDs at 3.50% APY and its 18 Month Premium CDs at 3.15% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from Valley First Credit Union NCUA insured?

Yes. Valley First Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Valley First Credit Union?

The highest Valley First Credit Union CD rate is its 5 Month IRA Special Premium CDs at 4.00% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does Valley First Credit Union offer?

Valley First Credit Union CD rates are 3.10% APY for a 9 month CD, 3.50% APY for a 12 month CD, 3.15% APY for an 18 month CD, 3.10% APY for a 2 year CD and 1.75% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Valley First Credit Union for its full lineup.

What is the highest savings rate at Valley First Credit Union?

The highest Valley First Credit Union savings rate is its Purple Savings at 3.25% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest money market rate at Valley First Credit Union?

The highest Valley First Credit Union money market rate is its Business Money Market Account Savings at 2.70% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest checking rate at Valley First Credit Union?

The highest Valley First Credit Union checking rate is its Interest Business Checking at 0.20% APY, verified by MonitorBankRates as of October 30, 2026.

What is the lowest auto loan rate at Valley First Credit Union?

The lowest Valley First Credit Union auto loan rate is its Auto, Truck, SUV (New Autos: Model Years 2025 and newer) at 5.49% APR, verified by MonitorBankRates as of October 30, 2026. Valley First Credit Union auto loan rates are 8.50% APR for a 36 month auto loan, 8.50% APR for a 48 month auto loan, 8.50% APR for a 60 month auto loan, 8.50% APR for a 72 month auto loan, 8.50% APR for an 84 month auto loan, 8.75% APR for a 96 month auto loan, 8.75% APR for a 120 month auto loan and 9.00% APR for a 144 month auto loan.

What is the lowest personal loan rate at Valley First Credit Union?

The lowest Valley First Credit Union personal loan rate is its Personal Loans at 10.12% APR, verified by MonitorBankRates as of October 30, 2026.

What is the lowest credit card APR at Valley First Credit Union?

The lowest Valley First Credit Union credit card APR is its Cash Back Credit Card at 12.49% APR, verified by MonitorBankRates as of October 30, 2026.

How 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.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Valley First Credit Union rates compare?

Valley First Credit Union's CD rates are 6% higher than the MonitorBankRates national average, and it has an A+ health rating. Valley First Credit Union's top rates are its 5 Month IRA Special Premium CDs at 4.00% APY, its Purple Savings at 3.25% APY, its Money Market at 0.20% APY, its Interest Business Checking at 0.20% APY, its Solar Loans (Primary Residence) at 6.24% APR and its Cash Back Credit Card at 12.49% APR, verified by MonitorBankRates on October 30, 2026.

Current Valley First Credit Union Rates

12-Month CD3.50%
18-Month CD0.68%
24-Month CD0.85%
60-Month CD1.75%
Savings3.25%
MMA0.20%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Valley First Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Valley First Credit Union Texas Ratio

Valley First Credit Union Health Trend

Valley First Credit Union CD Rates

Valley First Credit Union Business CD Rates

Valley First Credit Union Savings Rates

Valley First Credit Union Business Savings Rates

Valley First Credit Union Money Market Rates

Valley First Credit Union Business Money Market Rates

Valley First Credit Union Business 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 History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Valley First Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Valley First Credit Union

Does Valley First Credit Union offer CDs?

Are CDs from Valley First Credit Union NCUA insured?

What is the highest CD rate at Valley First Credit Union?

What CD terms does Valley First Credit Union offer?

What is the highest savings rate at Valley First Credit Union?

What is the highest money market rate at Valley First Credit Union?

What is the highest checking rate at Valley First Credit Union?

What is the lowest auto loan rate at Valley First Credit Union?

What is the lowest personal loan rate at Valley First Credit Union?

What is the lowest credit card APR at Valley First Credit Union?

How many branches does Valley First Credit Union operate?

Is a member application needed to join Valley First Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Valley First Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Valley First Credit Union rates compare?

Current Valley First Credit Union Rates

Compare to Other Credit Unions