VALLEY FIRST CREDIT UNION

Welcome to Valley First at our Sisk Road branch, located at 3900 Sisk Rd Ste E2, Modesto, CA 95356. Since opening our doors in 1956, we have dedicated ourselves to serving the financial needs of our community with trust and integrity. With a strong membership base of over 74,150 members, we pride ourselves on providing personalized services that truly make a difference in people's lives. At Valley First, we understand that your financial goals are unique. That's why we offer a wide range of services, including personal banking, auto loans, mortgages, credit cards with rewards, and business banking solutions. With total assets exceeding $1 billion and deposits reaching $140,377,170, our robust financial health allows us to support you effectively. Whether you need help managing your savings or finding the right loan to fit your lifestyle, our team is here for you. Led by our compassionate CEO, Kathryn Davis, and Board President Chris Peterson, we prioritize member satisfaction above all else. Our friendly staff of 171 employees is ready to assist you during lobby hours from Monday to Friday, and even on Saturdays. While members can visit us at our branch for all their banking needs, official correspondence should be sent to PO Box 1411, Modesto, CA 95354-1411. If you have any questions or want to know more about how we can help you achieve your financial dreams, feel free to reach out at 209-549-8500. Join us at Valley First today where your financial future is our priority! Visit our website at www.valleyfirstcu.org for more information.

At Valley First, we take great pride in our rich history and the mission that guides us. Established in 1956, our branch has been a cornerstone of financial support for the Modesto community in California. Over the years, we have grown from a small credit union to a trusted partner for over 74,150 members, managing total assets of more than $1 billion. Our commitment to serve the community is as strong today as it was on day one. Located at 3900 Sisk Rd Ste E2, Modesto, CA 95356, our branch is easily accessible for members looking for personalized service and financial guidance. While you can visit us at this address, official correspondence should be directed to our mailing address: PO Box 1411, Modesto, CA 95354-1411. Valley First was founded with a clear mission: to provide affordable financial services while supporting the local community. We believe in empowering individuals and families by offering a wide range of products including checking and savings accounts, auto loans, mortgages, personal loans, and credit cards with rewards. Our team is dedicated to helping members achieve their financial goals through education and support. As we have evolved over the decades, we have embraced technology to enhance member experiences. Today, our services include online banking and mobile payments that make managing finances easier than ever before. We are also proud to offer ADA-compliant facilities to ensure everyone can access our services comfortably. Community engagement is at the heart of what we do. Through partnerships with local organizations and outreach programs, Valley First actively contributes to making Modesto a better place for all residents. From financial literacy workshops to charitable initiatives, we strive to give back and foster a sense of belonging among our members. Our operating hours are designed with your convenience in mind: 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 also provide ATM services for quick cash withdrawals when you need them. As you consider your financial future, we invite you to join Valley First. Experience firsthand the benefits of being part of a member-focused credit union that values community spirit and dedicated service. Together, let's build a brighter financial tomorrow! For more information or to become a member today, call us at 209-549-8500 or visit our website at valleyfirstcu.org.

At Valley First, we believe that everyone deserves a place where they can grow financially and feel valued. Becoming a member is not just about opening an account; it's about joining a community that supports you every step of the way. To be eligible for membership at Valley First, you simply need to live, work, or worship in Stanislaus County, or have a family member who is already a member. This means that if you're part of our local community, you can easily join us and start enjoying the many benefits we offer, like personalized service and competitive rates. Ready to take the next step? Opening an account is straightforward and welcoming! Just visit us at 3900 Sisk Rd Ste E2 in Modesto, CA, or give us a call at 209-549-8500 for any questions. For more details on eligibility requirements, check out our comprehensive guide here. Once you're ready to become a member, you can start the account opening process online here. Join us at Valley First today and experience the difference of being part of our family!

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 understand how important it is to know that your money is in safe hands, and we are proud to share our financial strength with you. 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 and stronger lending options to serve our members better. Our lending capacity supports your financial goals across various sectors with $16,804 in used auto loans and a total of $721,018,285 in loans and leases. Our operational efficiency is reflected in our impressive net income of $3,315,650, enabling 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. Total Share Accounts: 143,928, showing a strong and growing member base that trusts us with their finances. Our net shares available for lending stand at $0. 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 3900 Sisk Rd Ste E2 Modesto Ca 95356 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.