Valley First Credit Union is a member-owned, not-for-profit financial cooperative serving the Modesto area. Established to provide accessible financial services, its structure centers on democratic member control and reinvestment in the community. The organization operates within a framework that emphasizes member needs, offering a range of routine banking activities typical of credit unions, including deposit accounts, loan products, and transient financial services designed to support local residents and small businesses.
Historically, credit unions like Valley First emerged to address the financial needs of workers and families by pooling resources and sharing decision-making authority. The institution functions as a cooperative financial member organization, governed by a voluntary board of directors elected from the membership. Its operational scope includes branch-based services, community outreach, and collaboration with regional financial networks to provide access to financial services while adhering to regulatory standards governing member deposits and lending practices.
As a local financial entity, Valley First Credit Union focuses on prudent financial management, transparency, and community-oriented service delivery without adopting promotional or comparative messaging.
Better than 15% of providers in Modesto
In addition to the primary service, Valley First Credit Union also offers:
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Valley First Credit Union is a verified financial service provider. This means we have confirmed their business information, contact details, and they have received customer reviews. You can trust this provider for your financial needs.
Find answers to common questions
Valley First Credit Union is listed as a financial service provider in Modesto, CA and must follow both state and federal regulations that apply to this type of business. As with any financial provider, you should review the agreement carefully before signing, make sure you understand all fees and repayment terms, and only use official contact details from this page or the company's own website. Avoid sharing personal or payment information with anyone who contacts you unexpectedly and, if something seems unclear, ask Valley First Credit Union to explain the terms in writing before you proceed.
To improve your chances of getting better terms from Valley First Credit Union, be prepared with accurate information about your income, existing debts, and the amount you really need to borrow. If possible, check your credit history in advance, avoid late payments on other accounts, and consider offering collateral if the product allows it, as stronger overall finances can help you qualify for more favorable rates or fees. It's also a good idea to compare Valley First Credit Union with other providers in Modesto and to ask directly about any current promotions, loyalty benefits, or ways to reduce the total cost of your loan.
Valley First Credit Union has a rating of 3.0, which is better than 15% of providers in Modesto.
Requirements can vary by product, but for most visits you should be ready to bring a valid government-issued ID, proof of income (such as recent pay stubs or bank statements), and proof of address like a utility bill or lease. If you are applying for a title or secured loan, you may also need the vehicle title, registration, and insurance details, along with any other documents Valley First Credit Union requests. It is always best to call ahead using the phone number on this page so Valley First Credit Union can confirm exactly which documents you need for your specific situation.
In addition to its primary service, Valley First Credit Union also offers: Credit union, ATM.