Valley First Credit Union is a member-owned financial cooperative serving residents and communities in and around Modesto, California. Established to provide cooperative banking services, the organization operates within the framework of a common-bond credit union, emphasizing member participation and democratically governed leadership. Its historical development reflects the broader trajectory of credit unions in the region, evolving from community-focused financial institutions to mid-sized credit unions offering a range of services aligned with member needs.
The credit union’s primary functions include accepting member deposits, offering various loan products, and providing accessible financial services through branch locations devoted to customer service and financial education. Its scope encompasses everyday banking activities such as savings accounts, checking, and lending, alongside related services that support personal financial management. By maintaining regulatory compliance and governance aligned with credit union charters, Valley First Credit Union operates within the framework of the California credit union system, emphasizing sustainability and accountability for its members and communities.
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.