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  • Home | Valley First Credit Union
    Welcome to Valley First Credit Union, where financial well-being meets community empowerment We're more than just a financial institution - we're your dedicated partner in achieving your financial goals With a commitment to integrity, innovation, and personalized service, we're here to offer tailored solutions that put your needs first
  • Online and Mobile Banking | Valley First Credit Union
    Learn more about how our digital banking tools can help you manage your accounts conveniently No matter the time or place, Valley First Credit Union is at your fingertips with secure Online Mobile Banking
  • Make a Payment | Valley First Credit Union
    Payment by Phone or Mail Call Additional fee will apply (877) 549-4567 Mon - Fri 8am - 6pm Sat 9am - 1pm Mail Valley First Credit Union PO BOX 1411 Modesto CA 95353-1411 Include Loan Account Number on check
  • Financial Fitness Challenge | Valley First Credit Union
    At Valley First, our team of Certified Credit Union Financial Counselors is ready to help you clear those obstacles and give you the tools, guidance, and confidence to move forward
  • Contact Us | Valley First Credit Union
    Email For general information about Valley First products and services, you can email Member Service and we will get back to you within 1 – 2 business days DO NOT include personal or account information such as account numbers, ATM Debit card, PINs, mother’s maiden name, social security number or other sensitive information
  • ADU Seminar | Valley First Credit Union
    Whether you're looking to create rental income, provide housing for family members, or increase your property value, ADUs offer incredible opportunities Our guest speaker and ADU expert, Reza Kazemi, Principal of Know How, LLC, and our Valley First team will break down the complexities and show you practical paths forward Thursday, June 25, 2026, 5:30PM, Valley First J Street Branch, 1419 J
  • Locations | Valley First Credit Union
    As a Valley First member, you can conveniently access your funds at CO-OP ATMS across various locations, including popular stores like Costco and Target As well as other credit union branches
  • Auto Loans | Valley First Credit Union
    Auto loan financing At Valley First, we aim to empower you on your journey towards owning your own vehicle Our specialized loan terms and competitive fixed-interest rates ensure a smooth ride, allowing you to take control when negotiating a deal that best suits your financial needs
  • Rates | Valley First Credit Union
    All rates will be determined by your credit history Rates, terms and conditions are subject to change All loans are subject to approval For 36 monthly payments at 8 50% APR the repayment amount would be $31 58 per $1,000 borrowed For 48 monthly payments at 8 50% APR the repayment amount would be $24 66 per $1,000 borrowed
  • Charter Conversion | Valley First Credit Union
    Valley First Credit Union Is Becoming a Federally Chartered Credit Union Effective February 19, we’re proud to celebrate an exciting milestone in our history: Valley First Credit Union is now a federally chartered credit union! For more than 75 years, we’ve stood beside our members, helping build financial confidence and strengthening the communities we call home Returning to a federal





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