Valley First Credit Union Modesto CA | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Valley First, your trusted financial partner located at 1419 J St, Modesto, CA 95354. Since our establishment in 1956, we have proudly served our community, growing into a credit union that prioritizes the needs of our members. With a total membership of 74,150 and assets exceeding $1 billion, we are dedicated to helping you achieve your financial goals. At Valley First, we understand that financial decisions can be overwhelming. That's why we strive to provide personalized services tailored to meet your unique needs. Whether you're looking for checking and savings accounts, auto loans, mortgage solutions, or business banking options, we have you covered. Our experienced team is here to guide you every step of the way. With a solid foundation built on trust and transparency, our current total deposits stand at $140,377,170, showcasing our commitment to fostering a secure environment for your finances. We also manage over $37035 in loans and leases to empower our members with the funding they need for their dreams. While you can visit us at our branch for any inquiries or services, please note that official correspondence should be sent to our mailing address: PO Box 1411, Modesto, CA 95354. Led by our dedicated CEO, Kathryn Davis, and Board President Chris Peterson, our team of 171 employees works tirelessly to ensure that your experience with Valley First is nothing short of excellent. If you have any questions or need assistance, don't hesitate to reach out by calling us at 209-549-8500. Join us at Valley First as we continue to make a positive impact in the lives of our members and the community. Visit our website at valleyfirstcu.org today to explore all the services we offer!

Branch History & Mission

Join Us

As we continue this journey together, we invite you to become part of the Valley First family. Experience firsthand how our member-focused approach can make a difference in your financial life. Whether you're looking for personal banking solutions or business services, we're here for you every step of the way. Feel free to reach out at 209-549-8500 or visit us online at valleyfirstcu.org for more information on how we can assist you today!

Our Journey

Our journey began with a simple mission: to support our members' financial well-being while fostering a sense of community. From our humble beginnings at 1419 J St Modesto Ca 95354, we've continuously evolved to meet the changing needs of our members. As we expanded our services and embraced technological advancements, we remained committed to maintaining a personal touch that sets us apart from traditional banks. We understand that accessibility is key for our members. That's why we offer a variety of options including drive-thru banking, available ATMs, and comprehensive online banking services. Whether you prefer in-person assistance or need the convenience of managing your finances digitally, we strive to provide solutions that fit your lifestyle.

Our Mission

At Valley First, our mission is clear: we are here to empower our members by offering reliable financial products and fostering community growth. We believe that everyone deserves access to quality financial services that can help them achieve their dreams whether it's buying a home, financing a vehicle, or planning for retirement. Through partnerships with local organizations and ongoing community outreach efforts, we aim to make a positive impact in Modesto and beyond. We are proud supporters of various initiatives that promote education and economic development within our neighborhoods. While you can always visit us at 1419 J St, if you need to send official correspondence, please use our mailing address: PO Box 1411, Modesto, CA 95354.

Branch Location & Accessibility

Call-to-Action

We invite you to come by and see how Valley First can support you on your financial journey. If you have questions or want to learn more about our services before visiting, feel free to give us a call at 209-549-8500. We're excited to welcome you into our community!

Nearby Landmarks and Accessibility

Situated near local landmarks, Valley First is easy to find. You can spot us close to popular spots like the Modesto Centre Plaza. Our location offers ample parking spaces, so you won't have trouble finding a spot when you visit. We also take pride in being accessible for everyone; our facilities are compliant with ADA standards and feature ramps to ensure everyone can comfortably enter our branch.

Operating Hours and Services

We know that life gets busy, which is why we offer flexible hours to fit your schedule. Join us Monday through Thursday from 9:00 AM to 5:30 PM, Friday from 9:00 AM to 6:00 PM, and Saturday from 9:00 AM to 1:00 PM. At Valley First, we provide a variety of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we're dedicated to helping you achieve your financial goals. For those who prefer convenience, we have an ATM available on-site as well as drive-thru banking for quick deposits and withdrawals.

Member Eligibility

Welcome to the Valley First community, where becoming a member is like joining a family that supports your financial goals. At Valley First, located at 1419 J St, Modesto, CA 95354, membership is open to anyone who lives, works, worships, or attends school in Stanislaus County. This inclusive approach means that if you're part of our vibrant community, you're already on your way to enjoying the benefits of membership. Joining us not only offers you access to a wide range of financial services but also connects you with a team that genuinely cares about your success. Opening an account is simple and straightforward! You can easily get started by visiting our website for more details on how to join and what it takes to open an account. If you have any questions or need assistance along the way, don't hesitate to reach out at 209-549-8500. For more information on eligibility criteria and updates, please check out this resource. We can't wait for you to experience all that Valley First has to offer!

Business Banking & Commercial Services

Merchant Services for Everyday Success

In addition to loans, we offer robust merchant services that simplify daily operations. Imagine accepting payments seamlessly from your customers while managing your finances all in one place. Our tools help streamline transactions, making it easier for you to focus on what matters most growing your business. Visit us at 1419 J St Modesto Ca 95354 in Modesto, CA, or call us at (209) 549-8500 to learn how we can partner with you on your journey to success!

Tailored Loan Solutions

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.

Comprehensive List Of Services

Business Banking Solutions

If you're a business owner, Valley First provides the support you need to thrive. Our business banking services, including merchant services and business loans, are designed to help you manage your cash flow and invest in growth opportunities. We know running a business can be demanding, which is why we aim to simplify banking for you.

Credit Cards and Rewards

Want a credit card that offers more than just convenience? Our credit cards with rewards allow you to earn points on your purchases, giving you something back every time you swipe. Picture yourself enjoying travel rewards or cash back just for using your card wisely.

Digital Banking Features

In today's fast-paced world, convenience matters. That's why we prioritize digital banking features at Valley First. With our online and mobile banking, you can manage your accounts anytime, anywhere. Need to check your balance or pay bills on the go? It's all at your fingertips! Additionally, our ATM and cash withdrawal services ensure that accessing your money is never a hassle.

Easy Transactions

For quick transactions, our basic drive-thru banking lets you handle deposits and withdrawals without stepping out of your car. Plus, our ATMs provide easy access for withdrawals and balance checks when you're out and about in Modesto. At Valley First, we are committed to making banking straightforward and accessible for everyone in our community. If you're ready to learn more about how we can assist you with any of these services or if you'd like personalized guidance, please don't hesitate to reach out! Call us at 209-549-8500 or visit us in person at 1419 J St, Modesto, CA 95354. Join us today and experience the difference Valley First makes in serving its members!

Personal Banking Services

When it comes to managing your everyday finances, our personal banking services have you covered. Whether you're opening a checking or savings account, we offer accounts that fit your lifestyle and provide easy access to your funds. If you're looking to make a major purchase or consolidate debt, consider our auto loans and vehicle financing options. Imagine driving away in your dream car with financing that suits your budget! For those planning to buy a home or refinance an existing mortgage, our mortgage loans are tailored to help you navigate the home-buying process smoothly. You can also explore our personal loans for those unexpected expenses or projects you have in mind.

Digital & Online Banking

Key Services

With our online banking, you can check your balances, transfer funds, and pay bills all from the comfort of your own home. If you prefer using a smartphone, our mobile application is available for download, allowing you to handle your banking tasks right from your pocket. Plus, enjoy the convenience of making mobile payments for everyday purchases without fumbling for cash or cards. For those who like to keep things organized, e-statements are available so you can view and manage your statements online instead of sifting through paper documents. We also support person-to-person transfers, making it easy to send money to friends or family instantly no need for checks or cash!

Security and Accessibility

Your security is our top priority. With features like electronic signature authorization, you can sign important documents electronically without worrying about safety. Our systems are designed with advanced security measures to protect your personal information while ensuring ease of access whenever you need it. Overall, our digital banking services at Valley First emphasize convenience and control. You have everything you need for real-time account management right at your fingertips. So whether it's checking balances, making payments, or transferring money, rest assured that we've got your back with our comprehensive suite of online banking options!

Financial Strength

At Valley First, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to showcase our robust financial health and commitment to serving you with the best possible services. 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. 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, we prioritize our members. With non-member deposits at $16,858,072, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $90,892,685 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Additionally, with $16,804 in used auto loans and $721,018,285 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our impressive net income of $3,315,650 reflects 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 and committed team. Total Share Accounts stand at 143,928, showcasing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Valley First is your trusted partner. Visit us at 1419 J St Modesto Ca 95354 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.

Loan Offering

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. Whether you're looking for financing on a brand-new model or a reliable used vehicle, we have options that fit your budget and lifestyle.

Business Loans

For business owners, our outstanding commercial loans totaling $34,176,342 provide the capital needed to grow and expand. We are dedicated to supporting local businesses by offering competitive rates and personalized service tailored to meet your unique needs.

Credit Lines and Unsecured Loans

We also provide flexible terms on unsecured credit card loans. With a total of $23,254,808 in unsecured credit card loans helping members manage their finances effectively, you can enjoy the convenience of cashless transactions while keeping your budget intact. Additionally, our total credit lines amount to $240,557,036, offering ample opportunities for those looking for ongoing access to funds.

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 aim to guide you through the process with ease and clarity, ensuring you understand every step along the way.

Refinancing Options

If you're looking to lower your monthly payments or consolidate debt, we have refinancing options available across all our loan products. It's an excellent way to take control of your finances without stretching your budget too thin. Feel free to reach out to us at (209) 549-8500 for more information about our loan offerings or visit us at Valley First. 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 find the right financial solution today!

Loan Aggregator

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Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This compliance guarantees that all offers are fair and transparent. By accessing accurate information from reliable sources, users can feel confident in the loan options they see.

COMMONWEALTH FEDERAL CREDIT UNION - Modesto, CA

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans

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Loan rates in Modesto, CA (95354)