Credit Unions | Valley First Credit Union
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Valley First Credit Union


ACH Number: 321173522

Valley First Credit Union is a NCUA insured credit union headquartered at PO Box 1411, Modesto, CA 95353.
It was founded in 1956 and has approximately $1,039 million in assets. Customers can open an account at one of its 22 branches.

Deposit Rates - January 05, 2026

SAVINGS RATES APY MIN
Savings
0.07% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.18% $10,000 Compare
6 Mo CD
0.18% $100,000 Compare
12 Mo CD
0.68% $10,000 Compare
12 Mo CD
0.68% $100,000 Compare
18 Mo CD
0.70% $10,000 Compare
18 Mo CD
0.70% $100,000 Compare
24 Mo CD
0.88% $10,000 Compare
24 Mo CD
0.88% $100,000 Compare
36 Mo CD
0.98% $10,000 Compare
36 Mo CD
0.98% $100,000 Compare
48 Mo CD
1.08% $10,000 Compare
48 Mo CD
1.08% $100,000 Compare
60 Mo CD
1.12% $10,000 Compare
60 Mo CD
1.12% $100,000 Compare
MM RATES APY MIN
Money Market
0.10% $2,500 Compare
Money Market
0.10% $10,000 Compare
Money Market
0.10% $25,000 Compare
VARIABLE IRA RATES APY MIN
Var IRA
0.15% $1




Overview 2026

General Credit Union Information

NCUA Insured Yes / State-Chartered
Charter Number # 68402
Date Established 1956
Assets $1,039.28 million
Loans $721.53 million
Deposits $860.47 million
Capital $104.09 million


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Branches

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Valley First Credit Union Locations

Savings Comparison

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis."

PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES

Tax Rate: 30%

All calculations are for demonstration purposes only."

  • 1
    LOCAL SAVINGS
    VALLEY FIRST
    Credit Union
    CALIFORNIA
    $50,000
    N.A.
    0.07%
    0.31x (National Avg. - 0.23%)
    $2,500
    -
    SCENARIO
    Year Rate
    0.07%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 35 25
    2 50,035 35 25
    3 50,070 35 25
    4 50,105 35 25
    5 50,140 35 25
    6 50,175 35 25
    7 50,210 35 25
    8 50,246 35 25
    9 50,281 35 25
    10 50,316 35 25
    11 50,351 35 25
    12 50,386 35 25
    13 50,422 35 25
    14 50,457 35 25
    15 50,492 35 25
    16 50,528 35 25
    17 50,563 35 25
    18 50,598 35 25
    19 50,634 35 25
    20 50,669 35 25
    TOTAL $705 $493
  • 2
    ONLINE SAVINGS
    First Foundation Bank , ★ TOP PICK ★
    Bank
    -
    $50,000
    N.A.
    3.75%
    16.67x (National Avg. - 0.23%)
    $1,000
    -
    SCENARIO
    Year Rate
    3.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,875 1,313
    2 51,875 1,945 1,362
    3 53,820 2,018 1,413
    4 55,839 2,094 1,466
    5 57,933 2,172 1,521
    6 60,105 2,254 1,578
    7 62,359 2,338 1,637
    8 64,697 2,426 1,698
    9 67,124 2,517 1,762
    10 69,641 2,612 1,828
    11 72,252 2,709 1,897
    12 74,962 2,811 1,968
    13 77,773 2,916 2,042
    14 80,689 3,026 2,118
    15 83,715 3,139 2,198
    16 86,854 3,257 2,280
    17 90,111 3,379 2,365
    18 93,491 3,506 2,454
    19 96,996 3,637 2,546
    20 100,634 3,774 2,642
    TOTAL $54,408 $38,085


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