NCUA Insured
Member-Owned
2 charter
Established in 1956
Contact this credit union directly for detailed information about membership eligibility and current rates.
Membership Eligibility
Anyone who lives, works, or worships in or around Modesto, CA may be eligible to join. Community credit unions are open to the general public within their service area.
Check eligibility on their website →NCUA Insured — deposits protected up to $250,000
Member-Owned — not-for-profit cooperative
2 charter
Established in 1956
Low-Income Designated
Contact this credit union directly for detailed information about membership eligibility, current rates, and services.
Services Offered
This credit union is located in Modesto and serves members in the CA area. Currently serving 80,465 members.
Contact the credit union to confirm membership eligibility requirements for your area.
Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.
Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.
Source: NCUA Federally Insured Credit Unions list, Q4 2025.
Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.
New Auto Loan
5.48%Used Auto Loan
6.59%Personal Loan
12.13%Credit Card APR
15.02%Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.
Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.
Lowest rates currently reported by credit unions in CA (NCUA Q4 2025).
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Glendale, CA
Rates from NCUA regulatory filings. Contact credit unions directly for current rates.
3.1
94 Google reviews
Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.
View on Google MapsFernando Noriega
a year ago
Very poor communication and rules. I am self employed and wanted to establish a relationship with this bank. They told me to do XYZ and when I sent everything over they tell me they can’t use some of the documents provided. I had to pay $200 to get those documents created. Such a waste of time and I won’t be working with this bank in the future.
Lemmie Klein
a year ago
I've been a member for many, many years. Very friendly tellers make my transactions quick and easy. We've had notary work done there as well. Highly recommended
Royce Vieira
11 months ago
I called and spoke with Michiko in Customer Service. He was so professional and patient with the requests I made. The requests I needed required further research. He forwarded my requests and received a call from the research team with the answers I required. He was amazing. Liz Oliveira
Robert Serpa
3 years ago
I went to Valley First on J Street 6 months ago to access my safe deposit box. After many attempts, the keys did not work. I was told that the manager was the only one who could help me and that she would call me the next day, even though it was early in the day. There was no urgency on their part and no apparent backup for this critical function. I had been through this before when a box that had been brought in did not function and needed to be drilled. Service has never seemed a priority here, but for a problem with a safe deposit box, Valley First clearly assigns no priority to customers. Of course, I did not hear back and worked around not having access. After 6 months, I called and asked to speak to the manager. She was out again and would maybe call me back in a day. When offered to leave a message for her, I suggested leaving the message for whoever she reports to in hopes that they may be able to help. Three days later and counting, no one at Valley First Credit Union found this problem important enough to give it attention…no access to a safe deposit box. This is not the right place to trust on any level.
Abu laith alfadL
7 months ago
This location treats people like they own them , rude and poor customers service I hope they change the front desk worker because they the facade of the bank 🏦
Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.
Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).
Phone
(209) 549-8500Website
Visit WebsiteMembers
80,465
Total Assets
$1.1B
Year Opened
1956
Net Worth
Well Capitalized
Designations
Official NCUA Data
All data sourced from the National Credit Union Administration (NCUA).
View NCUA Profile