COMMONWEALTH FEDERAL CREDIT UNION - Modesto, CA

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!

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!

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.