VALLEY FIRST is an NCUA-insured credit union located in Modesto, CA. New auto loan rates from 6.18% APR.
NCUA Insured
Member-Owned
1 charter
Established in 1956
Contact this credit union directly for detailed information about membership eligibility and current rates.
Membership Eligibility
Anyone who lives, works, or worships in or around Modesto, CA may be eligible to join. Community credit unions are open to the general public within their service area.
Check eligibility on their website →NCUA Insured — deposits protected up to $250,000
Member-Owned — not-for-profit cooperative
1 charter
Established in 1956
Low-Income Designated
Contact this credit union directly for detailed information about membership eligibility, current rates, and services.
Services Offered
This credit union is located in Modesto and serves members in the CA area. Currently serving 80,615 members.
Contact the credit union to confirm membership eligibility requirements for your area.
Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.
Rates sourced from NCUA call report data (Q1 2026). Contact the credit union for current rates and terms.
New Auto Loan
6.18%Used Auto Loan
7.08%Personal Loan
11.72%Credit Card APR
15.15%Important: Rates are sourced from NCUA call report filings (Q1 2026) and reflect weighted averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.
Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.
Lowest rates currently reported by credit unions in CA (NCUA Q1 2026).
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Rates from NCUA regulatory filings. Contact credit unions directly for current rates.
See how VALLEY FIRST stacks up against other credit unions nearby — sorted by lowest APR.
Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.
Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).
Phone
(209) 549-8500Website
Visit WebsiteMembers
80,615
Total Assets
$1.1B
Year Opened
1956
Net Worth
Well Capitalized
Designations
Official NCUA Data
All data sourced from the National Credit Union Administration (NCUA).
View NCUA Profile