Valley First is an NCUA insured institution located in Modesto, CA. It was founded in 1956 and has approximately $1035.66 millions in assets.
Who can join?
You are eligible for membership with Valley First Credit Union if you:
Live, regularly work, regularly worship or attend school in Fresno, Madera, Mariposa, Merced, San Joaquin, Stanislaus or Tuolumne County
Are employed with an employer group specifically listed in the credit union's field of membership Select Employer Group (SEG) list.
Are a family member to a Valley First Credit Union member. This includes grandparents, grandchildren, parents, spouses, children (natural, foster or adopted) brothers, and sisters.
NCUA Insured | Yes / State-Chartered |
Charter Number # | # 68402 |
Date Established | 1956 |
Assets | $1,035.66 million |
Loans | $722.54 million |
Deposits | $853.58 million |
Capital | $99.56 million |
Your Current Location: Ohio, OH 43085
Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
---|---|---|---|---|
Savings
|
0.07% | $2,500 | $4,999 |
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|
Money Market
|
0.10% | $2,500 | $2,999 |
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|
Money Market
|
0.10% | $10,000 | $14,999 |
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|
Money Market
|
0.10% | $25,000 | $29,999 |
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|
CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
---|---|---|---|---|
6 Mo CD
|
0.18% | $10,000 | $14,999 |
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|
6 Mo CD
|
0.18% | $100,000 | $199,999 |
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|
12 Mo CD
|
0.68% | $10,000 | $14,999 |
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|
12 Mo CD
|
0.68% | $100,000 | $199,999 |
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|
18 Mo CD
|
0.70% | $10,000 | $14,999 |
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|
18 Mo CD
|
0.70% | $100,000 | $199,999 |
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|
24 Mo CD
|
0.88% | $10,000 | $14,999 |
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|
24 Mo CD
|
0.88% | $100,000 | $199,999 |
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|
36 Mo CD
|
0.98% | $10,000 | $14,999 |
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|
36 Mo CD
|
0.98% | $100,000 | $199,999 |
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|
48 Mo CD
|
1.08% | $10,000 | $14,999 |
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|
48 Mo CD
|
1.08% | $100,000 | $199,999 |
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|
60 Mo CD
|
1.12% | $10,000 | $14,999 |
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|
60 Mo CD
|
1.12% | $100,000 | $199,999 |
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|
Variable IRA Rates | APY | MIN | MAX | |
---|---|---|---|---|
Var IRA
|
0.15% | $1 | $499 | Learn More |
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Valley First
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
---|---|---|---|---|---|---|
NMLS ID: 1835285 |
6.380% | 6.250% | 0.88 | $4,400 | $1,971 | Learn More |
NMLS ID: 401822 |
6.818% | 6.625% | 1.00 | $6,400 | $2,049 | Learn More |
NMLS ID: 1025894 |
6.984% | 6.875% | 0.88 | $3,545 | $2,103 | Learn More |
NMLS ID: 3030 |
7.200% | 7.125% | 0.75 | $2,400 | $2,156 | Learn More |
Lender | APR (%)? | Monthly Payment? | Learn More |
---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.490 % After Intro: 7.490 % |
$0 |
Learn More
More Info |
Note to Valley First
To upload and update your bank's rates please register.
It is free to register and add rates.
Below are Valley First branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Branch | Distance | Map | View Lobby Hours |
---|---|---|---|
1945.11 | A | View Lobby Hours | |
1958.47 | B | View Lobby Hours | |
1961.35 | C | View Lobby Hours | |
1975.11 | D | View Lobby Hours | |
2011.86 | E | View Lobby Hours | |
2013.21 | F | View Lobby Hours | |
2017.43 | G | View Lobby Hours | |
2020.21 | H | View Lobby Hours | |
2020.63 | I | View Lobby Hours | |
2022.92 | J | View Lobby Hours | |
2035.93 | K | View Lobby Hours | |
2042.43 | L | View Lobby Hours |
VALLEY FIRST is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
or use your BestCashCow account
The following ratios and data are available to help you better understand the financial condition of Valley First. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Valley First | U.S. Average |
---|---|
9.83% | 5.83 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of June 30, 2024, Valley First had $9,002,019 in non-current loans and $1,145,771 in owned assets. To cover these potential losses it had $99,563,237 in net worth and $3,719,727 in loans loss reserves. That gives it a Texas Ratio of 9.83%.
Valley First | U.S. Average |
---|---|
9.59% | 13.93% |
Valley First FCU has a net worth of 9.59% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Valley First
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