2. 1St Valley Credit Union

1St Valley Credit Union


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

1St Valley Credit Union is headquartered in San Bernardino and is the 211th largest credit union in the state of California. It is also the 2,551st largest credit union in the nation. It was established in 1951 and as of March of 2019, it had grown to 9 employees and 3,292 members at 1 location. 1St Valley Credit Union has a B health rating.

Field of Membership Restrictions

If you reside, worship, or work in San Bernardino County, then you automatically qualify for membership eligibility. Also, if you work for, or are a member of one of their affiliated groups or organizations that they list you too qualify for membership status.
See current membership details

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Health
B

Data as of Q1 2019

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
Employees9
Primary Regulator
Profit Margin
Return on Assets - YTD0.17%
Return on Equity - YTD1.66%
Annual Interest Income$273.00K
Assets and Liabilities
AssetsQ1 2019vs Q1 2018$40.6MM$40.6MM
LoansQ1 2019vs Q1 2018$20.6MM$19.7MM
DepositsQ1 2019vs Q1 2018$36.1MM$36.5MM
Equity CapitalQ1 2019vs Q1 2018$4.1MM$3.9MM
Loan Loss AllowanceQ1 2019vs Q1 2018$62.00K$78.00K
Unbacked Noncurrent LoansQ1 2019vs Q1 2018$43.00K$53.00K
Real Estate OwnedQ1 2019vs Q1 2018$0$0
Rates
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* 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
0.70%$2k-36 Months IRA
0.60%$2k-24 Months IRA
0.40%$2k-12 Months IRA
0.30%$2k-6 Months IRA
Locations


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

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