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%

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Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

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Valley First Credit Union

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Valley First Credit Union Rates & Review October 2026

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 10, 2026

Valley First Credit Union's top rates as of October 10, 2026 are 4.00% APY on its 5 Month Special Premium CDs CD, 3.25% APY on savings, 0.20% APY on money market accounts, 0.20% APY on checking, personal loans from 8.50% APR, and credit cards from 17.49% APR, according to rates verified by MonitorBankRates. Other Valley First Credit Union CD rates include 12 Month Business CD at 3.50%, 12 Month Premium CDs at 3.50%, and 12 Month CDs at 3.50%. 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 10/10/2026.

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 Q2 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 Special Premium Certificates	3.93%	4.00%	5 months
Min Deposit $10,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 4.00% APY · checked 5 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 Deposit $10,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 5 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 Deposit $1,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 5 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 Deposit $10,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.15% APY · checked 5 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 Deposit $10,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.10% APY · checked 5 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 Deposit $10,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.10% APY · checked 5 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 Deposit $10,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.00% APY · checked 5 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 Deposit $10,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 5 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 Deposit $10,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 1.85% APY · checked 5 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 Deposit $10,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 1.75% APY · checked 5 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 Deposit $1,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.95% APY · checked 5 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 Deposit $1,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.85% APY · checked 5 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 Deposit $1,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.68% APY · checked 5 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 Deposit $1,000 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.31% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
3 Month Grow Forward Certificate	0.10%	0.10%	3 months
Min Deposit $500 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
3 Month Moo-La Club Certificate	0.05%	0.05%	3 months
Min Deposit $250 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 5 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 10/10/2026 Rate History No change since Sep 14, 2026 · 3.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
48 Month Business Share Certificate	-	3.25%	48 months
No additional details. Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 3.25% APY 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 10/10/2026 Rate History No change since Sep 14, 2026 · 3.15% APY · checked 6 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 10/10/2026 Rate History No change since Sep 14, 2026 · 3.10% APY · checked 6 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 10/10/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 6 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 10/10/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 6 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 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Purple Savings	-	3.25%
Min Deposit $2,500 Min Balance $10,000 Details Split rate earnings on balances above $10,000; Must have a Primary Share and Purple Checking account. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Purple Savings	0.10%	0.10%
Min Balance $10,001 Details Balance: Greater than $10,000 Last Updated 10/10/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 0.10% ▼ 3.15 pts · high 3.25% / low 0.10% Oct 10, 20260.10%▼ from 3.25% Sep 14, 20263.25%first recorded 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 10/10/2026 Rate History No change since Oct 10, 2026 · 0.05% APY 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 10/10/2026 Rate History No change since Oct 10, 2026 · 0.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Club Account	0.05%	0.05%
Details No Minimum Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.05% APY 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 10/10/2026 Rate History No change since Oct 10, 2026 · 2.70% APY 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 10/10/2026 Rate History No change since Oct 10, 2026 · 2.70% APY 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 10/10/2026 Rate History No change since Oct 10, 2026 · 2.45% APY 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 10/10/2026 Rate History No change since Oct 10, 2026 · 2.20% APY 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 10/10/2026 Rate History No change since Oct 10, 2026 · 1.80% APY 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 10/10/2026 Rate History No change since Oct 10, 2026 · 1.30% APY 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 10/10/2026 Rate History No change since Oct 10, 2026 · 0.10% APY 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 10/10/2026 Rate History No change since Oct 10, 2026 · 0.05% APY 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 10/10/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 6 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 10/10/2026 Rate History 1 change since Sep 14, 2026 · 0.20% → 0.15% ▼ 0.05 pts · high 0.20% / low 0.15% Oct 10, 20260.15%▼ from 0.20% Sep 14, 20260.20%first recorded 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 10/10/2026 Rate History 1 change since Sep 14, 2026 · 0.07% → 0.12% ▲ 0.05 pts · high 0.12% / low 0.07% Oct 10, 20260.12%▲ from 0.07% Sep 14, 20260.07%first recorded 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 10/10/2026 Rate History 1 change since Sep 14, 2026 · 0.07% → 0.10% ▲ 0.03 pts · high 0.10% / low 0.07% Oct 10, 20260.10%▲ from 0.07% Sep 14, 20260.07%first recorded 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 10/10/2026 Rate History No change since Sep 22, 2026 · 0.07% APY · checked 2 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 10/10/2026 Rate History No change since Oct 10, 2026 · 2.70% APY 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 10/10/2026 Rate History No change since Oct 10, 2026 · 2.70% APY 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 10/10/2026 Rate History No change since Oct 10, 2026 · 2.45% APY 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 10/10/2026 Rate History No change since Oct 10, 2026 · 2.20% APY 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 10/10/2026 Rate History No change since Oct 10, 2026 · 1.80% APY 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 10/10/2026 Rate History No change since Oct 10, 2026 · 1.30% APY 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 10/10/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 6 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 10/10/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 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 10/10/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 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 10/10/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 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 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Interest Business Checking	0.05%	0.05%
Min Balance $0 Details Balance: Up to $4,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 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
New Auto Loan	-	-	5.49%	48 months
Details For 48 monthly payments at 5.49% APR the repayment amount would be Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 5.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
New Autos: Model Years 2025 and newer	-	-	5.49%	12-48 months
Details As Low As; Rates effective as of 08.01.2026 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 5.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
New Auto Loan	-	-	5.59%	60 months
Details For 60 monthly payments at 5.59% APR the repayment amount would be Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 5.59% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
New Autos: Model Years 2025 and newer	-	-	5.59%	49-60 months
Details As Low As; Rates effective as of 08.01.2026 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 5.59% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
New Autos: Model Years 2025 and newer	-	-	5.59%	61-66 months
Details As Low As; Rates effective as of 08.01.2026 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 5.59% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
New Auto Loan	-	-	5.79%	72 months
Details For 72 monthly payments at 5.79% APR the repayment amount would be Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 5.79% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
New Autos: Model Years 2025 and newer	-	-	5.79%	67-72 months
Details As Low As; Rates effective as of 08.01.2026 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 5.79% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Used Auto Loan	-	-	5.79%	48 months
Details For 48 monthly payments at 5.79% APR the repayment amount would be Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 5.79% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Used Autos: Model Years 2016-2024 or 2025-2026 10k miles or greater Classic cars included (25 years or older)	-	-	5.79%	25 Years
Details As Low As; Mileage 10K or greater on 2023-2024, cannot exceed 200K Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 5.79% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
New Auto Loan	-	-	5.84%	84 months
Details For 84 monthly payments at 5.84% APR the repayment amount would be Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 5.84% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
New Autos: Model Years 2025 and newer	-	-	5.84%	73-84 months
Details As Low As; Rates effective as of 08.01.2026 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 5.84% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Used Auto Loan	-	-	5.99%	60 months
Details For 60 monthly payments at 5.99% APR the repayment amount would be Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 5.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Used Autos: Model Years 2016-2024 or 2025-2026 10k miles or greater Classic cars included (25 years or older)	-	-	5.99%	25 Years
Details As Low As; Mileage 10K or greater on 2023-2024, cannot exceed 200K Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 5.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Used Auto Loan	-	-	6.09%	72 months
Details For 72 monthly payments at 6.09% APR the repayment amount would be Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.09% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Used Autos: Model Years 2016-2024 or 2025-2026 10k miles or greater Classic cars included (25 years or older)	-	-	6.09%	25 Years
Details Additional APR listed for this product: 6.49%. As Low As; Mileage 10K or greater on 2023-2024, cannot exceed 200K Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.09% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Used Auto Loan	-	-	6.49%	84 months
Details For 84 monthly payments at 6.49% APR the repayment amount would be Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Used Auto, Truck, SUV Loan	-	-	6.49%	12-48 months
Details Used Autos: Model Years 2014 - 2015; Mileage Cannot Exceed 200K Miles.; Rates effective as of 08.01.2026 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Used Auto, Truck, SUV Loan	-	-	6.59%	49-60 months
Details Used Autos: Model Years 2014 - 2015; Mileage Cannot Exceed 200K Miles.; Rates effective as of 08.01.2026 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.59% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Used Auto, Truck, SUV Loan	-	-	6.79%	61-66 months
Details Used Autos: Model Years 2014 - 2015; Mileage Cannot Exceed 200K Miles.; Rates effective as of 08.01.2026 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.79% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Used Auto, Truck, SUV Loan	-	-	6.99%	67-72 months
Details Used Autos: Model Years 2014 - 2015; Mileage Cannot Exceed 200K Miles.; Rates effective as of 08.01.2026 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.99% APR 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
RV, Boat, Motorcycle, & Powersports Loan	-	6.49%	48 months
Details For 48 monthly payments at 6.49% APR the repayment amount would be Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
RV, Boat, Motorcycle, & Powersports Loan	-	6.59%	60 months
Details For 60 monthly payments at 6.59% APR the repayment amount would be Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.59% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
RV, Boat, Motorcycle, & Powersports Loan	-	6.79%	66 months
Details For 66 monthly payments at 6.79% APR the repayment amount would be Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.79% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
RV, Boat, Motorcycle, & Powersports Loan	-	6.99%	72 months
Details For 72 monthly payments at 6.99% APR the repayment amount would be Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Recreational Vehicle (New & Used 2016 or Newer) Loan	-	8.50%	36 months
Details Rates effective as of 01.01.2025 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 8.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Recreational Vehicle (New & Used 2016 or Newer) Loan	-	8.50%	48 months
Details Rates effective as of 01.01.2025 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 8.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Recreational Vehicle (New & Used 2016 or Newer) Loan	-	8.50%	60 months
Details Rates effective as of 01.01.2025 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 8.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Recreational Vehicle (New & Used 2016 or Newer) Loan	-	8.50%	72 months
Details Rates effective as of 01.01.2025 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 8.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Recreational Vehicle (New & Used 2016 or Newer) Loan	-	8.50%	84 months
Details Rates effective as of 01.01.2025 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 8.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Recreational Vehicle (New & Used 2016 or Newer) Loan	-	8.75%	96 months
Details Rates effective as of 01.01.2025 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 8.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Recreational Vehicle (New & Used 2016 or Newer) Loan	-	8.75%	120 months
Details Rates effective as of 01.01.2025 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 8.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Recreational Vehicle (New & Used 2016 or Newer) Loan	-	9.00%	144 months
Details Rates effective as of 01.01.2025 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 9.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Recreational Vehicle (New & Used 2016 or Newer) Loan	-	9.00%	180 months
Details Rates effective as of 01.01.2025 Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 9.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%

Valley First Credit Union Credit Card Rates

Product	Rate	APR
Business Cash Back Credit Card	-	17.49%
Details Published APR range: 17.49%-18.00%. APR for Purchases, Balance Transfers, Cash Advances Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 17.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Signature Credit Card	18.00%	18.00%
Details APR for Purchases, Balance Transfers, Cash Advances Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 18.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%

Valley First Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	8.50%	36 months
Details For 36 monthly payments at 8.50% APR the repayment amount would be Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 8.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Personal Loans	10.12%	12 months
Details Rates effective as of 05.01.2026 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 10.12% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Personal Loans	10.25%	13-24 months
Details Rates effective as of 05.01.2026 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 10.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Personal Loans	10.37%	25-36 months
Details Rates effective as of 05.01.2026 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 10.37% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Personal Loans	10.49%	37-60 months
Details Rates effective as of 05.01.2026 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 10.49% APR · checked 6 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 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 18.00% APR · checked 6 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	Term
Consumer Green Loan	-	-	6.24%	96 months
Details Your Annual Percentage Rate (APR) may be higher based on credit qualifications. The range of APR is 6.24% to 7.99%. Loan program, rates, terms and conditions are subject to change at any time without notice. All loans are subject to approval. Applicant must meet membership and account qualifications. Payment example may be higher depending on your credit history and other underwriting factors. For 96 monthly payments at 6.24% APR the repayment amount would be Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Consumer Green Loan	-	-	6.49%	180 months
Details Your Annual Percentage Rate (APR) may be higher based on credit qualifications. The range of APR is 6.24% to 7.99%. Loan program, rates, terms and conditions are subject to change at any time without notice. All loans are subject to approval. Applicant must meet membership and account qualifications. Payment example may be higher depending on your credit history and other underwriting factors. For 180 monthly payments at 6.49% APR the repayment amount would be Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Consumer Green Loan	-	-	6.74%	240 months
Details Your Annual Percentage Rate (APR) may be higher based on credit qualifications. The range of APR is 6.24% to 7.99%. Loan program, rates, terms and conditions are subject to change at any time without notice. All loans are subject to approval. Applicant must meet membership and account qualifications. Payment example may be higher depending on your credit history and other underwriting factors. For 240 monthly payments at 6.74% APR the repayment amount would be Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Consumer Green Loan	-	-	7.24%	96 months
Details Your Annual Percentage Rate (APR) may be higher based on credit qualifications. The range of APR is 7.24% to 8.99%. Loan program, rates, terms and conditions are subject to change at any time without notice. All loans are subject to approval. Applicant must meet membership and account qualifications. Payment example may be higher depending on your credit history and other. For 96 monthly payments at 7.24% APR the repayment amount would be Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.24% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Consumer Green Loan	-	-	7.57%	180 months
Details Your Annual Percentage Rate (APR) may be higher based on credit qualifications. The range of APR is 7.24% to 8.99%. Loan program, rates, terms and conditions are subject to change at any time without notice. All loans are subject to approval. Applicant must meet membership and account qualifications. Payment example may be higher depending on your credit history and other. For 180 monthly payments at 7.57% APR the repayment amount would be Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.57% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Consumer Green Loan	-	-	7.74%	240 months
Details Your Annual Percentage Rate (APR) may be higher based on credit qualifications. The range of APR is 7.24% to 8.99%. Loan program, rates, terms and conditions are subject to change at any time without notice. All loans are subject to approval. Applicant must meet membership and account qualifications. Payment example may be higher depending on your credit history and other. For 240 monthly payments at 7.74% APR the repayment amount would be Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Home Loans	-	-	7.728%
Details As Low As Last Updated 10/10/2026 Rate History 4 changes since Sep 14, 2026 · 6.94% → 7.73% ▲ 0.79 pts · high 7.73% / low 6.94% Oct 10, 20267.73%▲ from 7.60% Oct 1, 20267.60%▲ from 7.24% Sep 22, 20267.24%▲ from 7.22% Sep 18, 20267.22%▲ from 6.94% Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Solar Loans (Investment/Second Home)	-	-	7.24%	1-96 months
Details Minimum Loan Amount: $0; Maximum Loan Amount: $100,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Solar Loans (Investment/Second Home)	-	-	7.57%	97-180 months
Details Minimum Loan Amount: $10,000; Maximum Loan Amount: $100,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.57% APR · checked 6 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 Minimum Loan Amount: $25,000; Maximum Loan Amount: $100,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 7.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Solar Loans (Primary Residence)	-	-	6.24%	1-96 months
Details Minimum Loan Amount: $0; Maximum Loan Amount: $100,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Solar Loans (Primary Residence)	-	-	6.49%	97-180 months
Details Minimum Loan Amount: $10,000; Maximum Loan Amount: $100,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.49% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Solar Loans (Primary Residence)	-	-	6.74%	181-240 months
Details Minimum Loan Amount: $25,000; Maximum Loan Amount: $100,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 6.74% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Grow Forward	0.05%	-	0.05%
Min Balance $10 Details Balance: $10 - $24 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.05% APY 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 10/10/2026 Rate History No change since Oct 10, 2026 · 0.05% APY 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 10/10/2026 Rate History No change since Oct 10, 2026 · 0.03% APY 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 10/10/2026 Rate History No change since Oct 10, 2026 · 0.07% APY 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 10/10/2026 Rate History No change since Oct 10, 2026 · 0.10% APY 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 10/10/2026 Rate History No change since Oct 10, 2026 · 0.12% APY 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 10/10/2026 Rate History No change since Oct 10, 2026 · 0.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.80%
Regular IRA	0.15%	-	0.15%
Details No Minimum Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.15% APY 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 10/10/2026 Rate History No change since Oct 10, 2026 · 0.05% APY 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 10/10/2026 Rate History No change since Oct 10, 2026 · 0.05% APY 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.
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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

Q2 2026 MBR Health & Safety Badge

Valley First Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 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

Add Your Rating and Review for Valley First Credit Union

Frequently Asked Questions About Valley First Credit Union

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.

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.

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Valley First Credit Union Rates & Review October 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

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Valley First Credit Union Business Checking Rates

Valley First Credit Union Auto Loan Rates

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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

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?

Current Valley First Credit Union Rates

Compare to Other Credit Unions