1St Valley Credit Union

Overview / Commentary
401 W 2Nd St
San Bernardino, CA 92401

1St Valley Credit Union is headquartered in San Bernardino and is the 212th largest credit union in the state of California. It is also the 2,553rd largest credit union in the nation. It was established in 1951 and as of December of 2019, it had grown to 9 employees and 3,268 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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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

NCUA #68027
Year Chartered1951
Primary Regulator
Profit Margin
Return on Assets - YTD0.39%
Return on Equity - YTD3.52%
Annual Interest Income$1.2MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$40.5MM$39.5MM
LoansQ4 2019vs Q4 2018$19.2MM$18.0MM
DepositsQ4 2019vs Q4 2018$35.7MM$35.3MM
Equity CapitalQ4 2019vs Q4 2018$4.5MM$3.9MM
Loan Loss AllowanceQ4 2019vs Q4 2018$89.00K$71.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$63.00K$56.00K
Real Estate OwnedQ4 2019vs Q4 2018$0$0
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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

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

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

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

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

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

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