Valley First Credit Union Ceres CA | Affordable Auto Loans & Business Banking

Introduction

Welcome to Valley First, your trusted financial partner located at 1501 Mitchell Rd, Ceres, CA 95307. Established in 1956, our credit union has been dedicated to serving the community for over six decades. With a strong membership base of 74,150 and total assets exceeding $1 billion specifically, $1,035,821,856 we are committed to providing exceptional banking services tailored to your needs. At Valley First, we understand that financial decisions can be overwhelming. That's why we offer a range of services from personal banking to business loans. Whether you're looking for checking and savings accounts, auto loans, mortgages, or credit cards with rewards, we have something for everyone. Our knowledgeable team is here to guide you every step of the way. While members can visit us at our Ceres branch for in-person assistance, official correspondence should be sent to our mailing address: PO Box 1411, Modesto, CA 95354. We pride ourselves on our transparent operations and community focus. Our net worth stands at an impressive $100,415,249, showcasing our stability and reliability as a financial institution. Led by our CEO Kathryn Davis and Board President Chris Peterson, our team of 171 employees is always ready to assist you. We believe in building lasting relationships with our members based on trust and support. With total loans amounting to 37,035 and deposits reaching $140,377,170, we aim to empower our members through sound financial practices. Plus, with features like online banking and mobile payments available, managing your finances has never been easier. We invite you to explore how Valley First can help you achieve your financial goals. For more information or to get started today, feel free to call us at 209-549-8500 or visit us online at valleyfirstcu.org. Your financial journey begins here!

Branch History & Mission

Welcome to Valley First, where our rich legacy and commitment to serving the community shine brightly. Founded in 1956, our Ceres Branch has been a trusted financial partner for generations. Located at 1501 Mitchell Rd, Ceres, CA 95307, we proudly stand as a pillar of support for our members in this vibrant city. Over the years, Valley First has grown significantly, currently boasting a membership of 74,150 individuals. Our total assets have reached an impressive $1,035,821,856, reflecting our dedication to providing reliable financial services and fostering community growth. We believe that everyone deserves access to quality banking, which is why we offer a wide range of services including checking and savings accounts, auto loans, mortgages, and business banking solutions. Our mission is clear: to empower our members with the financial tools they need while giving back to the communities we serve. Whether it's through personal loans that help families thrive or educational programs that promote financial literacy, we are committed to making a positive impact. While members can visit us at our branch address, official correspondence should be sent to PO Box 1411, Modesto, CA 95354. We understand the importance of convenience; that's why we offer both ATM availability and drive-thru banking services for your ease. Our operating hours are designed to accommodate busy schedules: Monday through Thursday from 9:00 AM to 5:30 PM, Friday until 6:00 PM, and Saturday from 9:00 AM to 1:00 PM. At Valley First, we also embrace technology with features like online banking and mobile payments. Our goal is to provide you with customer-centric initiatives that enhance your banking experience while ensuring ADA compliance for all our members. Community outreach is at the heart of what we do. By partnering with local organizations and engaging in various charitable activities, we strive to uplift those around us and create lasting relationships built on trust and mutual support. Join us at Valley First and discover how we can assist you in achieving your financial goals while being part of a community-focused credit union. Experience firsthand the benefits of membership today! For any inquiries or assistance, feel free to reach out at 209-549-8500.

Branch Location & Accessibility

Banking Hours

Our doors are open during convenient hours to fit your busy schedule. Visit us Monday through Thursday from 9 AM to 5:30 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM. We're here to serve you during times that work best for you!

Convenient Access and Features

At Valley First, we prioritize accessibility for everyone. Our branch is equipped with ADA-compliant features and ramps, ensuring that all members can comfortably access our services. We offer ample parking space right outside the branch, so you can easily park and come inside without any hassle. Plus, if you're on the go, take advantage of our drive-thru banking service for quick deposits and withdrawals.

Get in Touch

Have questions? Feel free to call us at 209-549-8500. We're always happy to help! Come by Valley First today and discover how we can support your financial journey your community credit union awaits!

Services Available

Valley First offers a wide range of services tailored to meet your personal and business banking needs. From checking and savings accounts to auto loans and mortgage refinancing, our friendly staff is eager to help you find the right solutions. And don't forget about our ATM availability for cash withdrawals and balance checks anytime. While members can visit us at 1501 Mitchell Rd, official correspondence should be sent to PO Box 1411 in Modesto if needed.

Member Eligibility

At Valley First, we believe that joining our community should feel like becoming part of a supportive family. If you're looking to become a member, you'll be glad to know that the eligibility requirements are designed to be inclusive and welcoming. Anyone who lives, works, worships, or attends school in the area surrounding 1501 Mitchell Rd Ceres Ca 95307 can easily become a member. We prioritize building relationships and supporting our members with personalized services tailored to your needs. You can find more details about eligibility on our website. Opening an account is straightforward and hassle-free! All you need to do is visit us in person or check out our online account opening process at https://online.valleyfirstcu.org/valleyfirstcredituniononline_41/sdk/autoenrollmente2e/forgotlogin. If you have any questions or need assistance, don't hesitate to reach out at (209) 549-8500. We're here to help you every step of the way as you embark on this exciting journey with us at Valley First!

Business Banking & Commercial Services

Business Loans that Propel Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $49 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $2 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $34,176,342, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Simplify Transactions

Imagine running your business without worrying about payment processing issues. Our merchant services offer practical solutions that streamline transactions, making it easy for you to accept payments from customers seamlessly. Whether it's credit card processing or mobile payment options, we help you focus on what you do best growing your business. Located conveniently at 1501 Mitchell Rd Ceres Ca 95307 in Ceres, CA, our team is ready to partner with you on your financial journey. Reach out today at (209) 549-8500 to learn more about how we can support your business ambitions!

Comprehensive List Of Services

Business Banking

For business owners, our Business Banking services include essential tools like Merchant Services & Business Loans. We know how important it is for businesses to have access to reliable financial resources, and we're here to support your growth and success.

Convenient Access

At Valley First in Ceres, we also provide basic drive-thru banking for simple transactions like deposits and withdrawals. Our friendly staff is always ready to assist you during lobby hours: Monday through Thursday from 9:00 AM - 5:30 PM, Friday from 9:00 AM - 6:00 PM, and Saturday from 9:00 AM - 1:00 PM. We invite you to visit us at Valley First or give us a call at 209-549-8500 if you have any questions about our services or need assistance with anything specific. Discover how we can make banking easier and more accessible for you!

Credit Cards and Personal Loans

In addition, we offer Personal Loans & Debt Consolidation options that can help ease financial burdens by combining multiple debts into one manageable payment. If you're looking to boost your purchasing power, our Credit Cards with Rewards allow you to earn points on every purchase perfect for those who love to travel or shop!

Digital Banking Solutions

With today's busy lifestyles, having access to your finances whenever you need them is crucial. That's why we offer robust Online & Mobile Banking features. Manage your accounts from anywhere using our mobile app or website; check balances, transfer funds, and pay bills with just a few clicks. Additionally, our ATM & Cash Withdrawal Services provide easy access to cash when you need it most.

Personal Banking

When it comes to personal banking, we offer Checking & Savings Accounts that are tailored for all kinds of savers. Whether you're just starting out or looking to manage your finances more effectively, our accounts come with features that help you track your spending and save for future goals. If you're in the market for a new vehicle, our Auto Loans & Vehicle Financing options are designed to get you behind the wheel quickly and affordably. We understand that buying a car can be a big decision, so our team is ready to assist you in finding the right loan that fits your budget. For those thinking about home ownership or refinancing their current mortgage, our Mortgage Loans & Refinancing services provide competitive rates and personalized guidance through the entire process. We want to help you secure the home of your dreams while making sure it's financially feasible.

Digital & Online Banking

Always Available

With 24/7 online banking services, you never have to wait for regular business hours to check balances or make transfers. Whether it's early morning or late at night, we're here for you. At Valley First, we're committed to providing accessible and user-friendly digital banking solutions that fit your lifestyle. Experience the ease of managing your finances with us today!

Key Features

Our online banking services include electronic signature authorization, which means you can complete transactions quickly and securely without the hassle of paperwork. Plus, with e-statements available, you can easily keep track of your financial activity while reducing clutter. For those who prefer to bank on the go, our mobile application is here to help. It allows you to manage your accounts directly from your smartphone or tablet, making banking as simple as tapping a button. You can also enjoy the convenience of mobile payments, giving you a fast way to pay for goods and services directly from your account. Need to send money to friends or family? Our person-to-person transfer feature makes it effortless. You can transfer funds instantly without any complicated processes just another way we simplify banking for you.

Financial Strength

Growing Membership Trust

The trust placed in us by our community is evident through the 143,928 total share accounts we manage. This growing member base reflects the confidence individuals have in Valley First as their trusted financial partner. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Valley First is here for you. Visit us at 1501 Mitchell Rd Ceres Ca 95307 or call 209-549-8500 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results.

Member Savings Security

We prioritize our members' financial growth and security. Members' savings are secured through $220,491,571 in share certificates and $85,960,901 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, with $16,858,072 in non-member deposits, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our impressive net income of $3,315,650 showcases our operational efficiency. This enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 169 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable team committed to your success.

Reinvestment for Future Growth

With $90,892,685 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity supports members' financial goals across various sectors with $33,608 in used auto loans and a total of $721,018,285 in loans and leases. This reflects our ability to cater to diverse borrowing needs while ensuring the safety of your deposits.

Solid Financial Foundation

With a net worth of $100,415,249, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 967 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Additional Loan Options

For those who need financing for business purposes, our outstanding commercial loans totaling $34,176,342 provide the capital needed to grow and expand. We recognize that businesses have unique financial requirements, and we aim to support local entrepreneurs as they strive for success. If you're considering refinancing or exploring eligibility options, our team is ready to assist you every step of the way. We believe in making financial decisions straightforward and accessible for all our members. If you have any questions or want more information about our loan offerings, don't hesitate to contact us at (209) 549-8500 or visit us at our branch located at 1501 Mitchell Rd Ceres Ca 95307 in Ceres, CA. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you turn your financial aspirations into reality!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $313,224,920 in used vehicle loans and $91,367,510 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates to ensure that you can drive away with a deal that suits your budget.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $34,100,221, make buying or refinancing simple. We are committed to helping you find the right mortgage solution that fits your needs, whether it's your first home or an investment property.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $23,254,808 in loans helping members manage their finances effectively. Our credit cards come with rewards and benefits designed to make your spending more rewarding.

Loan Aggregator

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COMMONWEALTH FEDERAL CREDIT UNION - Ceres, CA

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans

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