Average User Rating:3 star rating based on 2 reviews.
Valley First Credit Union
Valley First Credit Union Locations|
1005 W Orangeburg Modesto, CA 95353 (877) 549-4567 www.valleyfirstcu.org  |
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Valley First Credit Union is headquartered in Modesto and is the 71st largest credit union in the state of California. It is also the 441st largest credit union in the nation. It was established in 1956 and as of December of 2012, it had grown to 136 employees and 61,996 members. Valley First Credit Union has a 5-star health rating.
Valley First Credit Union Routing Number: 321173522
See Rates for: Checking | Savings | Money Market | CD | IRA
Valley First Credit Union Checking Account Rates
Valley First Credit Union Savings Account Rates
Valley First Credit Union Money Market Rates
Valley First Credit Union CD Rates
| Apy | Min | Max | Product | |
| 1.59% | $100k | - | 60 Month Jumbo CD | |
| 1.54% | $10k | - | 60 Month Premium CD | |
| 1.39% | $10k | - | 48 Month Premium CD | |
| 1.21% | $10k | - | 36 Month Premium CD | |
| 1.06% | $10k | - | 24 Month Premium CD | |
| 1.00% | $10k | - | 18 Month Premium CD | |
| 0.90% | $1k | - | 36 Month CD | |
| 0.80% | $1k | - | 24 Month CD | |
| 0.75% | $1k | - | 18 Month CD | |
| 0.60% | $10k | - | 12 Month Premium CD | |
| 0.33% | $10k | - | 9 Month Premium CD | |
| 0.30% | $1k | - | 12 Month CD | |
| 0.30% | $10k | - | 6 Month Premium CD | |
| 0.10% | $500 | - | 3 Month Frequency Ceertificate | |
| 0.05% | $1k | - | 6 Month CD | |
| 0.05% | $500 | - | 3 Month Starter Certificate | |
| 0.05% | $500 | - | 3 Month Adventure Savers Certificate | |
| 0.03% | $1k | - | 9 Month CD |
Valley First Credit Union IRA Rates
| Apy | Min | Max | Product | |
| 1.69% | $100k | - | 60 Month Jumbo IRA | |
| 1.69% | $100k | - | 60 Month Jumbo Roth IRA | |
| 1.69% | $100k | - | 60 Month Jumbo CESA | |
| 1.69% | $100k | - | 60 Month Jumbo SEP IRA | |
| 1.64% | $10k | - | 60 Month Premium IRA | |
| 1.64% | $10k | - | 60 Month Premium Roth IRA | |
| 1.64% | $10k | - | 60 Month Premium CESA | |
| 1.64% | $10k | - | 60 Month Premium SEP IRA | |
| 1.49% | $10k | - | 48 Month Premium IRA | |
| 1.49% | $10k | - | 48 Month Premium Roth IRA | |
| 1.49% | $10k | - | 48 Month Premium CESA | |
| 1.49% | $10k | - | 48 Month Premium SEP IRA | |
| 1.31% | $10k | - | 36 Month Premium IRA | |
| 1.31% | $10k | - | 36 Month Premium Roth IRA | |
| 1.31% | $10k | - | 36 Month Premium CESA | |
| 1.31% | $10k | - | 36 Month Premium SEP IRA | |
| 1.16% | $10k | - | 24 Month Premium IRA | |
| 1.16% | $10k | - | 24 Month Premium Roth IRA | |
| 1.16% | $10k | - | 24 Month Premium CESA | |
| 1.16% | $10k | - | 24 Month Premium SEP IRA | |
| 1.06% | $10k | - | 18 Month Premium IRA | |
| 1.06% | $10k | - | 18 Month Premium Roth IRA | |
| 1.06% | $10k | - | 18 Month Premium CESA | |
| 1.06% | $10k | - | 18 Month Premium SEP IRA | |
| 1.00% | $1k | - | 36 Month IRA | |
| 1.00% | $1k | - | 36 Month Roth IRA | |
| 1.00% | $1k | - | 36 Month CESA | |
| 1.00% | $1k | - | 36 Month SEP IRA | |
| 0.90% | $1k | - | 24 Month IRA | |
| 0.90% | $1k | - | 24 Month Roth IRA | |
| 0.90% | $1k | - | 24 Month CESA | |
| 0.90% | $1k | - | 24 Month SEP IRA | |
| 0.85% | $1k | - | 18 Month IRA | |
| 0.85% | $1k | - | 18 Month Roth IRA | |
| 0.85% | $1k | - | 18 Month CESA | |
| 0.85% | $1k | - | 18 Month SEP IRA | |
| 0.70% | $10k | - | 12 Month Premium IRA | |
| 0.70% | $10k | - | 12 Month Premium Roth IRA | |
| 0.70% | $10k | - | 12 Month Premium CESA | |
| 0.70% | $10k | - | 12 Month Premium SEP IRA | |
| 0.43% | $10k | - | 9 Month Premium IRA | |
| 0.43% | $10k | - | 9 Month Premium Roth IRA | |
| 0.43% | $10k | - | 9 Month Premium CESA | |
| 0.43% | $10k | - | 9 Month Premium SEP IRA | |
| 0.40% | $10k | - | 6 Month Premium IRA | |
| 0.40% | $1k | - | 12 Month IRA | |
| 0.40% | $10k | - | 6 Month Premium Roth IRA | |
| 0.40% | $1k | - | 12 Month Roth IRA | |
| 0.40% | $10k | - | 6 Month Premium CESA | |
| 0.40% | $10k | - | 6 Month Premium SEP IRA | |
| 0.40% | $1k | - | 12 Month CESA | |
| 0.40% | $1k | - | 12 Month SEP IRA | |
| 0.15% | $1k | - | 6 Month IRA | |
| 0.15% | $1k | - | 6 Month Roth IRA | |
| 0.15% | $1k | - | 6 Month CESA | |
| 0.15% | $1k | - | 6 Month SEP IRA | |
| 0.13% | $1k | - | 9 Month IRA | |
| 0.13% | $1k | - | 9 Month Roth IRA | |
| 0.13% | $1k | - | 9 Month CESA | |
| 0.13% | $1k | - | 9 Month SEP IRA |
Rates updated: 5/25/2013
Data for Q4 2012
Institution Statistics
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Institution Health
Overall Score:
5 out of 5 
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Love The Service!
- Anonymous - Thursday, October 21, 2010 - 5:36 PMThe people at Valley First CU make this a great place to bank. The rates on their products are lower than most others in my area. I do most of my banking online, and I like that there isn't a lot of advertising cluttering it up. I can get in and get my business done without navigating around ads.
1
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Auto Loan From Valley First Credit Union
Valley First has not released our bank records in relation to our auto loan. They have referred us to the lawyer to get these records as well a copy of the contract but have not received either after several requests. During the length of the loan we had some lapses in insurance, for which VFCU charged us an additional charge. They still charged us that same additional charge even on the months when we did show them proof of insurance. Several VFCU employees at those time assured that all those additional charges would come off the back end of the loan. After 7 years on a 5-year loan they said that we still owed them over $4000. We pulled whatever money we had left in our account and they charged us again for money they said we still owed them, our account became overdrawn and we were reported to chexsystems and cannot open any accounts anywhere at this time (even at our current bank).
No matter who we have spoken to we cannot get anyone to give us copies of our account information or the contract. If there was a way to rate them zero stars we would.