VALLEY FIRST CREDIT UNION

Welcome to Valley First, your trusted partner in financial wellness right here in Tracy, CA! Established in 1956, our credit union has been a cornerstone of the community, dedicated to serving over 74,150 members with personalized banking solutions that meet their unique needs. Nestled at 1003 N Central Ave, we pride ourselves on offering a wide range of services from checking and savings accounts to auto loans and mortgages ensuring you have everything you need to achieve your financial goals. With total assets exceeding $1 billion and deposits totaling $140,377,170, Valley First stands strong as a reliable institution. Our commitment to transparency is reflected in our solid net worth of $100,415,249 and cash reserves of $10,589,941, allowing us to lend more effectively and support our members during their financial journeys. We also boast a healthy loan portfolio with 37,035 loans and leases, making us a vital resource for personal and business financing. Our team, led by CEO Kathryn Davis and Board President Chris Peterson, is passionate about fostering strong relationships within our community. We're not just about numbers; we're here to build trust and provide support every step of the way. Whether you have questions about opening an account or need assistance with a loan application, our friendly staff is always ready to help. While members can visit us at our Tracy branch for all their banking needs, official correspondence should be directed to our mailing address: PO Box 1411, Modesto, CA 95354. Ready to take control of your financial future? Call us at 209-549-8500 or explore our website at www.valleyfirstcu.org to learn more about how we can assist you today!

At Valley First, we take pride in our rich history and commitment to serving the community of Tracy, California. Established in 1956, our branch has been a cornerstone of financial support and guidance for over six decades. Located at 1003 N Central Ave, Tracy, CA 95376, we are easily accessible to members and visitors alike. Our journey began with a simple mission: to provide reliable financial services tailored to the needs of our members. Since opening our doors, Valley First has grown remarkably. Today, we proudly serve a membership base of over 74,150 individuals and families, all while managing total assets amounting to $1,035,821,856. This growth reflects not just our dedication to excellent service but also the trust and loyalty our members have placed in us throughout the years. Our mission is straightforward yet powerful: to improve the financial well-being of our community while fostering a spirit of cooperation and mutual support. We strive to offer a range of services that help individuals achieve their financial goals from personal banking options like checking and savings accounts to auto loans, mortgages, credit cards with rewards, and business banking solutions. Every interaction at Valley First is guided by a commitment to putting people first. While members can visit us at our branch location, official correspondence should be sent to PO Box 1411, Modesto, CA 95354 if you need to reach us by mail. Valley First also embraces modern technology. We offer online and mobile banking services for added convenience. Members can manage their accounts from anywhere with features like person-to-person payments and electronic statements. Additionally, we ensure that our facilities comply with ADA standards so everyone can access our services comfortably. Community outreach is another pillar of our mission. We believe in giving back through partnerships and initiatives that support local organizations and causes. Whether it's sponsoring local events or providing financial literacy workshops, we are dedicated to making a positive impact beyond just banking. As we look toward the future, we invite you to join the Valley First family. Experience firsthand how we can help you navigate your financial journey while becoming part of a community that values connection and support. Reach out today at 209-549-8500 or visit us online at valleyfirstcu.org to discover more about membership benefits and services tailored for you!

At Valley First, we believe that everyone deserves a place to belong. Joining our community is simple and welcoming! To become a member of Valley First, you'll find that eligibility is open to anyone who lives, works, worships, or attends school in the San Joaquin area. This means whether you're a local resident or just starting your journey here, you're invited to experience the benefits of membership. Enjoy access to our wide range of financial services designed with your needs in mind, from personal loans to rewarding credit card options. Ready to take the next step? Opening an account with us is a breeze! You can find all the details and start your application process by visiting this link. If you have any questions, feel free to give us a call at 209-549-8500. We're excited to welcome you into the Valley First family! For more detailed eligibility information, check out our resource page here.

At Valley First, we understand that banking should fit into your busy lifestyle. That's why we offer a suite of digital and online banking services designed for your convenience and security. With just a few clicks or taps, you can manage your finances anytime, anywhere. Our online banking platform at http://www.valleyfirstcu.org allows you to access your accounts 24/7. Whether you're checking your balance, transferring funds, or paying bills, everything is just a click away. Plus, with electronic signature authorization available, signing documents is quick and secure no need for paper or in-person visits. For those who prefer to handle their banking on the go, our mobile application is here to help. Not only can you perform all the essential banking tasks right from your smartphone, but you can also make mobile payments easily. Just think about how convenient it is to pay friends directly with our person-to-person transfer feature! In today's fast-paced world, staying organized is crucial. That's why we provide e-statements so you can keep track of your transactions without the clutter of paper statements. You'll always have access to your financial history at your fingertips. At Valley First, we prioritize the security of your information while ensuring that our services are user-friendly and accessible. We want you to feel confident managing your money online and on your mobile device. Experience the ease of digital banking with us and take control of your financial journey today!

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 share insights into our financial health, reassuring you of our commitment to providing reliable 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. Our lending capacity is robust; with $33,608 in used auto loans and a total of $721,018,285 in loans and leases available for our members' financial goals across various sectors. Our operational efficiency is reflected in our 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 and committed team. Total Share Accounts stand at an impressive 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 1003 N Central Ave Tracy Ca 95376 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.