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Valley First

PO Box 1411, Modesto, CA 95353
NCUA Insured3.1 (94 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1956

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

PO Box 1411

Modesto, CA 95353

Service Area

This credit union is located in Modesto and serves members in the CA area. Currently serving 80,465 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

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.

Best Rates in CA

Lowest rates currently reported by credit unions in CA (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(9 total)

Member Reviews

3.1

94 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Fernando Noriega

Fernando 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

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

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

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

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 🏦

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).