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1st Valley Credit Union


Overview / Commentary
www.1stvalleycu.com
909-889-0838
401 West 2nd Street
San Bernardino, CA 92401

1st Valley Credit Union is headquartered in San Bernardino and is the 209th largest credit union in the state of California. It is also the 2,496th largest credit union in the nation. It was established in 1951 and as of September of 2020, it had grown to 8 employees and 3,227 members at 1 location. 1st Valley Credit Union has a B health rating.

Field of Membership Restrictions

1st Valley Credit Union is open to anyone who lives, works, or worships in San Bernardino County. Employees of the following Member Employer Groups are also eligible: City of San Bernardino, San Bernardino County Sun, Omnitrans, IBEW Local 477 GO-DAN Industries, Inc., Inland Empire 66ers Baseball Team & Stadium Employees, East Valley Water District, West Valley Water District, San Bernardino Municipal Water District, San Bernardino Convention & Visitors Bureau, Yucaipa Valley Water District.
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Health
B

Data as of Q3 2020

Learn why bank health matters
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. 1st Valley Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #68027
Year Chartered1951
Employees8
Primary Regulator
Profit Margin
Return on Assets - YTD0.04%
Return on Equity - YTD0.35%
Annual Interest Income$842.00K
Assets and Liabilities
AssetsQ3 2020vs Q3 2019$47.4MM$41.5MM
LoansQ3 2020vs Q3 2019$16.5MM$20.0MM
DepositsQ3 2020vs Q3 2019$42.1MM$36.6MM
Equity CapitalQ3 2020vs Q3 2019$4.9MM$4.5MM
Loan Loss AllowanceQ3 2020vs Q3 2019$86.00K$85.00K
Unbacked Noncurrent LoansQ3 2020vs Q3 2019$410.00K$68.00K
Real Estate OwnedQ3 2020vs Q3 2019$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not 1st Valley Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

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

1st Valley Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$70k*-Prime Savings
OTHER TIERS: 0.05% → $50 - $1k | 0.10% → $1k - $10k | 0.20% → $10k - $70k
0.25%--Youth Account
0.25%*$70k*-Christmas Club
OTHER TIERS: 0.05% → $50 - $1k | 0.10% → $1k - $10k | 0.20% → $10k - $70k
0.25%*$70k*-Heritage Savings
OTHER TIERS: 0.05% → $50 - $1k | 0.10% → $1k - $10k | 0.20% → $10k - $70k

1st Valley Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$30k*-Premium Checking
OTHER TIERS: 0.05% → $1.5k - $5k | 0.10% → $5k - $15k | 0.15% → $15k - $30k
0.25%*$30k*-Heritage Checking
OTHER TIERS: 0.05% → $1.5k - $5k | 0.10% → $5k - $15k | 0.15% → $15k - $30k

1st Valley Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%$100k-36 Months Jumbo CD
0.70%$10k-36 Months Share CD
0.65%$2k-36 Months Small Saver
0.65%$100k-24 Months Jumbo CD
0.60%$10k-24 Months Share CD
0.55%$2k-24 Months Small Saver
0.45%$100k-12 Months Jumbo CD
0.40%$10k-12 Months Share CD
0.35%$2k-12 Months Small Saver
0.35%$100k-6 Months Jumbo CD
0.30%$4k$20k36 Months Flex CD
0.30%$10k-6 Months Share CD
0.25%$2k-6 Months Small Saver
0.25%$100$2.5k12 Month Youth CD “Flex-Builder”
0.20%$4k$20k24 Months Flex CD
0.10%$4k$20k6 Months Flex CD
0.10%$4k$20k12 Months Flex CD

1st Valley Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.76%$50-18 Months Variable IRA
0.75%$2k-36 Months IRA
0.65%$2k-24 Months IRA
0.45%$2k-12 Months IRA
0.35%$2k-6 Months IRA
Locations


1st Valley Credit Union Locations
Branch Office401 W 2nd StSan Bernardino, CA 92401-1525

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