Valley First Credit Union

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A short history of Valley First CU

Since its inception in 1956 the Valley First Credit Union has been serving its members in the MODESTO, California area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Henry Barrett, the Valley First CU has grown its membership to over 68,028 with assets of more than $601,871,200. They have a main office and 12 branch offices. Please see the credit unions website or contact them by phone at (209) 549-8500 or email them at to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in MODESTO, CA.

General Information For Valley First CU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 68402
Address PO BOX 1411 
State California 
Zip-Code 95353
Phone Number (209) 549-8500
Fax Number (209) 579-4120
Email Address:
CEO/President Henry Barrett
Members 68,028 
Full-Time Employees 171 
Part-Time Employees
Number of Branch Offices 12 
Total Assets 601,871,200 

Compare Valley First Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Modesto's First CU Main Office 430 12th St 95354 (209) 521-2020 No 0.27
Organized Labor CU Organized Labor Credit Union 2112 McHenry Ave 95350 (209) 527-8731 No 2.37
Mocse CU Coffee Road 3600 Coffee Rd 95355 (209) 572-3600 No 3.72
Rolling F CU ROLLING F CREDIT UNION 2101 GEER RD STE 401 95382 (209) 634-2911 No 11.92
Golden Valley CU Golden Valley Federal Credit Union 409 W Center St 95336 (209) 825-5878 No 16.53

Valley First Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Valley First Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 8.38 3.47 4.00 4.13 5.43
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 114 206 203 160 281
Rank Among All California Credit Unions 14 80 88 66 94

Valley First Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate 1.24 0.04 0.08 0.37 0.47
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions 33 146 138 290 231
Rank Among All California Credit Unions 5 46 49 86 58
Valley First Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 8.38014,20117,120,496
All Other Unsecured Loans/Lines of Credit 13.5404,4799,770,081
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 7.920751,346,814
New Vehicle Loans 3.4703,49094,823,557
Used Vehicle Loans 4.00010,952170,568,696
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.13047037,667,134
Total Other Real Estate Loans/Lines of Credit 5.43054813,964,254
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 7.2804219,073,152
TOTAL LOANS & LEASES 34,636354,334,184

Valley First Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 619,230,2613736,150
    b. 15 Years or less 28021,715,4104763,500
    a. > 15 years 5476,72000
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 1246,244,743191,327,000


Closed-End Fixed Rate 1062,209,90200
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 44211,754,352853,299,510
Open-End Fixed Rate 0000
TOTALS 1,01851,631,3881116,126,160


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Valley First Credit Union Member Offerings
First Time Homebuyer Program Yes
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes