1st Valley Credit Union

Overview / Commentary
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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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 - YTD0.04%
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
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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
0.75%$2k-36 Months IRA
0.65%$2k-24 Months IRA
0.45%$2k-12 Months IRA
0.35%$2k-6 Months IRA

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

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