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 Valley First Credit Union Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 22, 2026
Valley First Credit Union's 12 Mo IRA Premium CDs rates are at 4.00%, 12 Mo IRA CDs rates are at 4.00%, 12 Mo Business CD rates are at 3.50%, 12 Mo Premium CDs rates are at 3.50%, 12 Mo CDs rates are at 3.50%. Valley First Credit Union's savings rates are at 0.05%. Valley First Credit Union's money market rates are at 0.07%. Valley First Credit Union's Personal Loan Rates are at 10.62%. 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 5.74%. Rates were last updated on 03/22/2026. Valley First Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Valley First Credit Union? Share your experience about Valley First Credit Union by leaving a review below, or read customer reviews before you decide to use Valley First Credit Union. Valley First Credit Union
Orangeburg 1005 W Orangeburg Ave
https://www.valleyfirstcu.org Modesto, CA 95350 
Valley First Credit Union CD Rates
Valley First Credit Union Savings Rates
Valley First Credit Union Money Market Rates
Valley First Credit Union Checking Rates
Valley First Credit Union Home Equity & HELOC
Valley First Credit Union Credit Card Rates
Valley First Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Valley First Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Valley First Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Valley First Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Valley First Credit Union
Website
https://www.valleyfirstcu.org
Address
1005 W Orangeburg Ave,
Modesto, CA 95350
Phone
209-549-8500
Fax
209-579-4120
President
Chris Peterson
CEO
Kathryn Davis
Full-Time Employees
167
Part-Time Employees
0
Branch Locations
8
ATM Locations
9
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.74%
Return on Assets (ROA)
0.4585%
Return on Equity (ROE)
4.5313%
Non-Performing Loans Ratio (NPL)
0.81%
Total Assets
1,043,373,733
Total Amount of Shares and Deposits
863,809,718
Total Shares and Deposits < 1 Year
836,144,734
Total Shares and Deposits 1 3 Years
27,031,511
Total Shares and Deposits > 3 Years
633,474
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
40,307,534
Total Uninsured Shares and Deposits > $250K (F+J)
40,307,534
Total Insured Shares and Deposits > $250K (item 17 less item K)
823,502,184
Total Interest Expense (Sum of items 6 8)
10,279,365
Share Certificates
3,966
Number of Accounts for Share Drafts
44,489
IRA KEOGH Accounts
1,667
Number of Accounts for Regular Shares
95,327
Non Member Deposits
13
Money Market Shares
2,343
Net Income (unless the amount is already included in Undivided Earnings)
4,784,242
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
147,125,724
Total Liabilities
944,771,648
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Valley First Credit UnionIs Valley First Credit Union a safe place to deposit money?Yes, Valley First Credit Union is considered a safe financial institution. With a Texas Ratio of 5.7441889026535%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Valley First Credit Union operate?Valley First Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Valley First Credit Union?Yes, to access services at Valley First Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Valley First Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Valley First Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Valley First Credit Union offer online and mobile banking?Most modern institutions like Valley First Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.valleyfirstcu.org. Current Valley First Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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