Valley First Credit Union

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.valleyfirstcu.org

209-549-8500

1005 W Orangeburg Ave
Modesto, CA 95376

Valley First Credit Union is headquartered in Modesto and is the 62^nd largest credit union in the state of California. It is also the 441^st largest credit union in the nation. It was established in 1956 and as of March of 2025, it had grown to 170 employees and 79,448 members at 9 locations. Valley First Credit Union's CD rates are 4X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in Valley First Credit Union is open to those who live, work, worship, or attend school in the California counties of Calaveras, Fresno, Kern, Kings, Madera, Mariposa, Merced, Sacramento, San Joaquin, Stanislaus, Tulare, or Tuolumne. Employees of more than 160 Select Employer Groups also qualify for membership.
See current membership details

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Health

B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #	68402
Year Chartered	1956
Employees	170
Primary Regulator

Profit Margin
Return on Assets - YTD	0.34%
Return on Equity - YTD	3.8%
Annual Interest Income	$12.6MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$1.05B$1.04B
Loans	Q1 2025vs Q1 2024	$709.7MM$719MM
Deposits	Q1 2025vs Q1 2024	$872.3MM$839.3MM
Equity Capital	Q1 2025vs Q1 2024	$92.9MM$85.8MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$10.8MM$9.1MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$6.6MM$5.4MM
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Valley First Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
3.50%^*	$2.5k^*	$10k	Purple Savings - New Money
OTHER TIERS: 0.10% → $10k+
0.15%^*	$125k^*	-	Primary Share
OTHER TIERS: 0.03% → $1k - $30k \| 0.07% → $30k - $75k \| 0.10% → $75k - $100k \| 0.12% → $100k - $125k
0.15%^*	$125k^*	-	Secondary Shares
OTHER TIERS: 0.03% → $1k - $30k \| 0.07% → $30k - $75k \| 0.10% → $75k - $100k \| 0.12% → $100k - $125k
0.10%^*	$10k^*	-	Business Primary Share Savings
OTHER TIERS: 0.05% → $1k - $10k
0.05%	$1	-	Starter Savings
0.05%	$1	-	Adventure Savers
0.05%	$0	-	Club Account
0.05%	$10	-	Frequency Savings

Valley First Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
3.50%^*	$250k^*	-	Business Money Market
OTHER TIERS: 2.00% → $0 - $1k \| 2.50% → $1k - $10k \| 3.00% → $10k - $100k \| 3.25% → $100k - $250k
0.20%^*	$50k^*	$250k	Money Market Account
OTHER TIERS: 0.07% → $0 - $10k \| 0.10% → $10k - $25k \| 0.12% → $25k - $50k

Valley First Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.20%^*	$25k^*	-	Interest Business Checking
OTHER TIERS: 0.05% → $0 - $5k \| 0.10% → $5k - $10k \| 0.15% → $10k - $25k
0.15%^*	$250k^*	-	Impact Business Checking
OTHER TIERS: 0.05% → $100k - $250k

Valley First Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.00%	$1k	-	12 Month CD
4.00%	$10k	-	12 Month Premium CD
4.00%	$0	-	Business 12 Month CD
3.15%	$10k	-	18 Month Premium CD
3.15%	$0	-	Business 18 Month CD
3.10%	$10k	-	9 Month Premium CD
3.10%	$10k	-	24 Month Premium CD
3.10%	$0	-	Business 24 Month CD
3.00%	$10k	-	6 Month Premium CD
3.00%	$0	-	Business 6 Month CD
2.75%	$10k	-	36 Month Premium CD
2.75%	$0	-	Business 36 Month CD
1.85%	$10k	-	48 Month Premium CD
1.75%	$10k	-	60 Month Premium CD
0.95%	$1k	-	36 Month CD
0.85%	$1k	-	24 Month CD
0.68%	$1k	-	18 Month CD
0.31%	$1k	-	6 Month CD
0.10%	$500	-	3 Month Frequency Certificate
0.05%	$250	-	3 Month Adventure Savers Certificate

Valley First Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
4.00%	$1k	-	12 Month IRA
4.00%	$10k	-	12 Month Premium IRA
3.15%	$10k	-	18 Month Premium IRA
3.10%	$10k	-	9 Month Premium IRA
3.10%	$10k	-	24 Month Premium IRA
3.00%	$10k	-	6 Month Premium IRA
2.75%	$10k	-	36 Month Premium IRA
1.85%	$10k	-	48 Month Premium IRA
1.75%	$10k	-	60 Month Premium IRA
0.95%	$1k	-	36 Month IRA
0.85%	$1k	-	24 Month IRA
0.68%	$1k	-	18 Month IRA
0.31%	$1k	-	6 Month IRA
0.15%	$0	-	Regular IRA Account

Locations

Valley First Credit Union Locations
Branch Office	3001 Countryside Dr	Turlock, CA 95380
Branch Office	1005 W Orangeburg Ave	Modesto, CA 95350
Branch Office	1419 J St	Modesto, CA 95354
Branch Office	1501 Mitchell Rd	Ceres, CA 95307
Branch Office	3900 Sisk Rd Ste E2	Modesto, CA 95356-3226
Branch Office	7685 N Fresno St	Fresno, CA 93720
Branch Office	126 W F St	Oakdale, CA 95361-3842
Branch Office	1003 n Central Ave	Tracy, CA 95376-3914
Branch Office	645 W Herndon Ave Suite 100	Clovis, CA 93612

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