Valley First Credit Union provides quality financial services to the growing and diverse communities of Calaveras, Fresno, Kern, Kings, Madera, Mariposa, Merced, Sacramento, San Joaquin, Stanislaus, Tulare, and Tuolumne Counties. We are a not-for-profit financial cooperative that is owned by our members.

Unlike banks, who are in business for their stockholders, we are in business for our members. The money earned by banks is paid out to a few stockholders. We give the money back to our members in the form of higher dividend rates on savings and lower interest rates on loans. Additionally, the money deposited by credit union members is in turn loaned out to other members, incorporating the credit union philosophy of ''People Helping People.''

• Visit Our Website
• Become a Member
• Read our 2022 Annual Report

NW corner of 15th and J Streets in downtown Modesto