Introduction
Welcome to Valley First in Oakdale, where your financial well-being is our top priority! Located at 126 W F St, Oakdale, CA 95361, we have been serving our community since 1956. With a strong commitment to our members, we proudly support over 74,150 individuals who trust us with their financial needs. At Valley First, we understand that every dollar matters. That's why we are pleased to share that our total assets have reached an impressive $1,035,821,856, reflecting our dedication to fostering a robust financial foundation for our members. With total deposits of $140,377,170 and a net worth of $100,415,249, you can feel secure knowing that your money is in capable hands. Whether you're looking for personal banking services like checking and savings accounts or need assistance with auto loans and mortgages, our team is here to help. We have facilitated a total of 37,035 loans and leases, ensuring that our members have access to the funds they need for life's important moments. While members can visit us at 126 W F St, official correspondence should be sent to PO Box 1411, Modesto, CA 95354-1411. Our friendly staff is ready to assist you during lobby hours from Monday through Thursday from 9 AM to 5 PM and on Fridays until 6 PM. Don't hesitate to reach out at (209) 549-8500 if you have any questions or would like more information about how we can support your financial journey. Under the leadership of CEO Kathryn Davis and Board President Chris Peterson, Valley First remains dedicated to enhancing our community's prosperity. We invite you to experience the difference of member-focused banking today! Visit us online at valleyfirstcu.org or stop by our branch; we look forward to serving you! Branch History & Mission
Valley First has been a cornerstone of the Oakdale community since it opened its doors in 1956. Nestled at 126 W F St, Oakdale, CA 95361, this branch has grown alongside the town, developing strong roots and a rich legacy of service and support for its members. Today, with over 74,150 members and total assets exceeding $1 billion, Valley First embodies a commitment to empowering individuals and families through financial services tailored to their needs. The mission of Valley First is clear: to provide exceptional financial solutions while fostering a sense of belonging and community. This credit union believes in putting people before profits. Its diverse range of services includes personal banking options such as checking and savings accounts, auto loans, mortgage financing, personal loans, business banking, and more. Each product is designed not just to meet financial needs but also to enhance the lives of members. As the branch evolved over the years, it embraced technology without losing sight of its core values. Members can enjoy convenient access through online banking and mobile payments, ensuring they stay connected to their finances wherever they go. Additionally, with an ATM on-site and drive-thru banking available, Valley First strives to make banking simple and accessible for everyone. Community involvement is another vital aspect of what makes Valley First special. The branch actively participates in local events and outreach programs that promote financial literacy and support various causes within Oakdale. By partnering with local organizations and hosting workshops, Valley First helps educate its members on managing their finances wisely. While members can visit us at 126 W F St Oakdale Ca 95361, official correspondence should be sent to PO Box 1411, Modesto, CA 95354-1411. With operating hours from Monday to Thursday 9 AM to 5 PM and Friday 9 AM to 6 PM, there are plenty of opportunities for community members to engage with friendly staff ready to assist them. Whether you're looking for a loan or simply want to explore your options for saving better or investing wisely, Valley First invites you to join our family. Experience firsthand the benefits of being part of a credit union that truly cares about your financial well-being. Come visit us today or call us at (209) 549-8500 we look forward to serving you!
Branch Location & Accessibility
Welcome to Valley First, your friendly neighborhood credit union located at 126 W F St, Oakdale, CA 95361. We're proud to be a part of the Oakdale community, conveniently situated near popular local spots like the Oakdale Museum and the beautiful Oakdale Sports Park. Whether you're stopping by for personal banking or looking for assistance with loans and services, our branch is here to make your experience as smooth as possible. At Valley First, we understand that accessibility matters. Our branch features ADA-compliant entrances and parking spaces, ensuring everyone can easily access our services. If you prefer the convenience of drive-thru banking, you're in luck! We offer a drive-thru service for quick deposits and withdrawals. Plus, our ATM is available for those times when you need cash on the go. We're open Monday through Thursday from 9 AM to 5 PM and extend our hours until 6 PM on Fridays, making it easier for you to visit us after work or on your lunch break. If you have any questions or need assistance, don't hesitate to give us a call at 209-549-8500; our friendly staff is always ready to help. While members can visit us at our Oakdale location, please note that official correspondence should be sent to our mailing address: PO Box 1411, Modesto, CA 95354-1411. So why wait? Come visit Valley First today! We're excited to help you with all your banking needs.
Member Eligibility
At Valley First, we believe in building a community where everyone feels welcome and valued. Becoming a member is easy and opens the door to a range of benefits designed to help you thrive. If you live, work, worship, or attend school in our local area, you're likely eligible for membership! We also welcome family members of existing members, making it even easier for your loved ones to join our supportive financial family. To learn more about the specific eligibility criteria, feel free to check out our resource. Once you're ready to take the next step, opening an account is a breeze! Just visit us at 126 W F St Oakdale Ca 95361 or give us a call at (209) 549-8500 for assistance. Our friendly team is here to help you through the process and answer any questions you might have. Join Valley First today and start enjoying all the advantages of being part of our credit union community! For detailed information on account opening, visit https://online.valleyfirstcu.org/valleyfirstcredituniononline_41/sdk/autoenrollmente2e/forgotlogin. Business Banking & Commercial Services
At Valley First, we understand that every business has unique needs. Whether you're a small startup or an established company, our tailored banking solutions can help you reach your goals. Imagine having the financial support to invest in new equipment or expand your services this is where our commercial loans come into play. 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. Additionally, our merchant services simplify transactions, allowing you to focus on what you do best running your business. From point-of-sale solutions to online payment options, we ensure that managing payments is smooth and efficient. Visit us at 126 W F St Oakdale Ca 95361, Oakdale, CA or give us a call at (209) 549-8500 to discover how we can partner with you for success!
Comprehensive List Of Services
Business Banking
For entrepreneurs and business owners, our business banking services, including merchant services and business loans, are designed to support your growth. We know that running a business comes with unique challenges, and having the right financial partner can make all the difference.
Credit Cards & Rewards
Looking for a way to earn rewards while spending? Our credit cards come with benefits that can enhance your purchasing power. Enjoy cashback offers or points for travel whichever suits your lifestyle best.
Digital Banking & Convenience
In today's fast-paced world, convenience matters. That's why we offer robust online and mobile banking features so you can manage your finances anytime, anywhere. With just a few taps on your phone or clicks on your computer, you can check balances, transfer funds, and even make person-to-person payments effortlessly. Additionally, our ATM and cash withdrawal services ensure that access to your money is never out of reach. Whether you're stopping by during lunch or need cash for an outing, our basic ATM access allows you to withdraw cash or check your balance quickly.
Drive-Thru & In-Branch Services
At Valley First, we also understand the importance of personal interaction when it comes to banking. Our basic drive-thru banking allows for quick deposits, withdrawals, and simple transactions without needing to leave your vehicle. If you prefer face-to-face service, our lobby hours make it easy for you to connect with us directly. Ready to explore how we can assist you? Give us a call at (209) 549-8500 or visit us at 126 W F St Oakdale Ca 95361 in Oakdale, CA. Let's start achieving your financial goals together! For more information about our services or to open an account online, check out our website at Oakdale.
Personal Banking
Our personal banking services are designed with you in mind. We offer checking and savings accounts that fit any lifestyle, whether you prefer a simple account for everyday transactions or a high-yield savings option to grow your money. For those planning to purchase a vehicle, our auto loans and vehicle financing solutions can help you get behind the wheel without breaking the bank. If homeownership is your goal, consider our mortgage loans and refinancing options. We understand that buying a home is one of the biggest decisions you'll ever make, and we're here to guide you through it every step of the way. Additionally, our personal loans and debt consolidation services provide flexible solutions for managing expenses or unexpected costs.
Digital & Online Banking
Key Services for Your Convenience
With our online banking, you can easily check balances, pay bills, and transfer funds all from the comfort of your own device. For those who prefer using their smartphones, our mobile application allows you to perform all these tasks with just a few taps. Plus, enjoy the convenience of mobile payments to make purchases without needing cash or cards. Security is a top priority for us. Our electronic signature authorization feature ensures that your transactions are safe and protected. You can also opt for e-statements, reducing paper clutter while keeping your financial information accessible whenever you need it.
Stay Connected Anytime, Anywhere
Need to send money to a friend? With our person-to-person transfer service, sending money is simple and fast just another way we prioritize your convenience. And if you ever need assistance, our friendly team is just a phone call away at (209) 549-8500. At Valley First, we strive to provide easy-to-use tools that help you manage your finances effectively. Experience the freedom of real-time account management with our comprehensive digital banking services today!
Financial Strength
Commitment to Growth
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. Our lending capacity supports members' financial goals across various sectors with $16,804 in used auto loans and a total of $721,018,285 in loans and leases.
Growing Member Base
We have successfully built trust within the community as shown by our total share accounts of 143,928. This growing member base reflects the confidence that so many have placed in us to handle their finances responsibly. 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 126 W F St Oakdale Ca 95361 or call (209) 549-8500 to learn more about how we can help you achieve your financial goals.
Operational Efficiency
Our $1,753,616 reflects our operational efficiency, 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, committed team.
Secure Savings Options
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.
Solid Financial Health
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 9.67% 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 Options
For business owners looking for growth opportunities, our outstanding commercial loans totaling $34,176,342 provide the capital needed to expand your enterprise. Additionally, if you're interested in refinancing options or learning about eligibility requirements for any of our loan products, don't hesitate to contact us or visit our website 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. We pride ourselves on transparency and aim to provide all necessary information so that you can make informed financial decisions. No matter what your borrowing needs may be, Valley First is here to support you every step of the way!
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 car, our team is here to guide you through the process and ensure you get the best deal possible.
Credit Lines and Unsecured Credit Cards
In addition to traditional loans, we also have flexible credit lines available with a total of $240,557,036. These lines can help you manage unexpected expenses or consolidate debt effectively. Furthermore, we offer unsecured credit card loans totaling $23,254,808, allowing members to enjoy flexible terms while managing their finances.
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 understand that purchasing a home is a significant step; therefore, we provide personalized assistance throughout the entire process.
Loan Aggregator
Benefits of Using LendMesh
- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions quickly. Thousands of users trust LendMesh for loan comparisons. One member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This type of feedback highlights the effectiveness and reliability of our platform. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*
Ensuring Accurate Comparisons
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 commitment to accuracy ensures that all offers are fair and transparent. Users can trust that they are seeing reliable information when comparing loans.
