Valley First Credit Union Turlock CA | Affordable Auto Loans & Business Banking

Introduction

Welcome to Valley First, your trusted financial partner in Turlock, California! Located conveniently at 3001 Countryside Dr, Turlock, CA 95380, we have been serving our community since 1956. With a proud membership of over 74,150 and total assets exceeding $1,035,821,856, we are committed to providing personalized banking solutions that help you achieve your financial goals. At Valley First, we believe in building strong relationships with our members. Our dedicated team of 171 employees, led by CEO Kathryn Davis and Board President Chris Peterson, is here to assist you with a range of services from checking and savings accounts to auto loans and business financing. Whether you're looking to purchase a new vehicle or secure a mortgage for your dream home, we've got you covered. While members can visit us at our branch location, official correspondence should be sent to our mailing address: PO Box 1411, Modesto, CA 95354-1411. We understand the importance of accessibility; that's why we offer online and mobile banking options alongside ATM services for your convenience. With total loans amounting to 37,035 and deposits reaching $140,377,170, we pride ourselves on maintaining a robust financial foundation that supports our members' needs. Our net worth stands at an impressive $100,415,249, ensuring that your investments are secure with us. Join us as we continue to make a positive impact in the community through responsible banking practices and exceptional member service. Feel free to reach out to us at 209-549-8500 or visit our website at Valley First for more information. We invite you to become a part of our growing family today!

Branch History & Mission

At Valley First, we take pride in our rich history and commitment to serving our community in Turlock, California. Established in 1956, we have grown from a small credit union into a robust financial institution, proudly supporting over 74,000 members today. Our branch is located at 3001 Countryside Dr, Turlock, CA 95380, a place where community spirit thrives and where we strive to make banking accessible for everyone. Our mission is simple yet powerful: to provide exceptional financial services while uplifting the community we serve. We believe that every member deserves personalized support and access to tools that can enhance their financial well-being. That's why we offer a range of services including checking and savings accounts, auto loans, mortgage loans, personal loans, credit cards with rewards, and business banking solutions. Each product is designed with our members' needs in mind. Over the years, Valley First has adapted to meet the changing needs of our members. We've embraced technology by offering online and mobile banking services so that our members can manage their finances anytime and anywhere. Our commitment to accessibility also includes ADA compliance, ensuring that everyone can navigate our services with ease. While you can visit us at our physical location for all your banking needs during our operating hours 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 welcome correspondence sent to PO Box 1411, Modesto, CA 95354-1411. In addition to providing essential financial services, we take pride in our community outreach initiatives. We actively engage with local organizations and support various charitable causes throughout Turlock and beyond. This partnership approach allows us to give back to the community that has supported us throughout the years. As of today, Valley First boasts total assets of over $1 billion and continues to expand its reach. Our dedicated team of employees works tirelessly to ensure that each member receives the attention they deserve. We invite you to join us at Valley First Credit Union and experience firsthand how we prioritize your financial success while making a positive impact in our community. If you're looking for a financial partner who cares about your future as much as you do, call us at 209-549-8500 or visit our website at valleyfirstcu.org today! Together, let's build a brighter tomorrow.

Branch Location & Accessibility

Get in Touch

Have questions or want to learn more? Feel free to give us a call at 209-549-8500. We look forward to welcoming you into our branch soon! Your financial journey starts here at Valley First in Turlock!

Nearby Landmarks and Accessibility

Situated close to several local landmarks, including the picturesque Donnelly Park and the bustling Turlock Town Center, our location is not only convenient but also surrounded by places you might already be visiting. You'll find ample parking available right outside our doors, ensuring that you have a smooth arrival. Our branch is designed with accessibility in mind, featuring ADA-compliant entrances and ramps for those who may need them.

Operating Hours

We understand that everyone has busy schedules, which is why we're open during flexible hours. You can visit us Monday through Thursday from 9 AM to 5:30 PM, Fridays until 6 PM, and Saturdays from 9 AM to 1 PM. Whether you need assistance with your accounts or wish to explore our various services, we're here for you during these convenient times.

Services Offered

At Valley First, we pride ourselves on offering a range of services tailored to meet your banking needs. From personal banking options like checking and savings accounts to auto loans and credit cards with rewards, we've got you covered. Plus, for those who prefer digital banking solutions, our online and mobile banking services make managing your finances easier than ever. While members can visit us at 3001 Countryside Dr, official correspondence should be sent to PO Box 1411, Modesto, CA 95354-1411.

Member Eligibility

At Valley First, we believe that everyone deserves a chance to be part of a welcoming community where your financial needs are met with care and understanding. Becoming a member is easy and open to anyone who lives, works, worships, or attends school in our local area. We're proud to serve our community and invite you to join us at our branch located at 3001 Countryside Dr Turlock Ca 95380. By becoming a member, you'll enjoy personalized service, competitive rates, and a range of financial products designed just for you. To learn more about the specific eligibility requirements and ensure you're ready to join our family, feel free to check out the detailed information available. If you're excited to open an account or have any questions, don't hesitate to give us a call at (209) 549-8500 or visit us online at https://online.valleyfirstcu.org/valleyfirstcredituniononline_41/sdk/autoenrollmente2e/forgotlogin. We can't wait to welcome you into the Valley First community!

Business Banking & Commercial Services

Loan Options for Every Stage

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. Additionally, 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.

Merchant Services That Make a Difference

In today's fast-paced market, having reliable payment solutions is crucial. Our merchant services help streamline your transactions, making it easier for you to focus on what you do best running your business. Imagine a customer walking into your store and completing their purchase effortlessly with secure payment options. That's the kind of experience we aim to provide. Visit us at 3001 Countryside Dr Turlock Ca 95380 in Turlock, CA, or give us a call at (209) 549-8500 to learn more about how we can assist your business!

Comprehensive List Of Services

ATM Services

Need cash? Our ATM services allow for easy cash withdrawals and balance checks whenever you need them. With locations accessible throughout the area, getting cash is simple and stress-free. At Valley First, we pride ourselves on being more than just a financial institution; we're a community partner committed to helping you achieve financial success. For any questions about our services or how we can assist you further, don't hesitate to call us at 209-549-8500. We invite you to visit us at our Turlock branch or explore our website at http://www.valleyfirstcu.org for more information on how we can serve you better. Let's work together towards a brighter financial future!

Business Banking

If you're a business owner, our business banking services include merchant services and business loans designed to help you thrive. We understand the unique challenges of running a business and are here to support your growth.

Credit Cards

Our credit cards come with rewards that let you earn while you spend. Picture yourself earning points on everyday purchases whether it's groceries or gas that can be redeemed for exciting rewards.

Digital Banking Convenience

In today's fast-paced world, convenience matters. That's why Valley First offers robust online and mobile banking options. You can manage your accounts anytime, anywhere whether it's transferring funds, checking balances, or making payments all from the comfort of your smartphone or computer.

Loans and Financing Options

For those considering a new vehicle or home, our auto loans and mortgage refinancing options can make your dreams a reality. Our team is ready to help you navigate the process, ensuring you find the financing that fits your budget. If you're facing debt challenges, our personal loans and debt consolidation services provide pathways to regain control over your finances.

Personal Banking

When it comes to personal banking, we offer checking and savings accounts that are easy to manage. Imagine having a checking account with no hidden fees and a savings account that helps you reach your goals faster. With Valley First, you can enjoy these benefits and more!

Digital & Online Banking

Easy Online Access

With our online banking platform, available at http://www.valleyfirstcu.org, managing your finances has never been easier. You can check balances, transfer funds, and view transaction history from the comfort of your home or on the go. Our 24/7 online banking services ensure that you have access to your accounts whenever it suits you.

Mobile Banking on the Go

Stay connected with our mobile application, which provides all the features of online banking right in your pocket. Whether you're making person-to-person transfers or checking e-statements, our app is designed for ease of use and accessibility.

Real-Time Account Management

You can easily manage your account in real-time with just a few taps on your device. Enjoy the benefits of e-statements for hassle-free record-keeping and keep track of your spending effortlessly. With these tools at your fingertips, you'll feel empowered to take control of your finances. In summary, Valley First's digital and online banking services are here to help you bank smarter not harder. Explore everything we have to offer by visiting us online today!

Secure Transactions

Security is a top priority at Valley First. We offer electronic signature authorization, making it simple to sign documents securely without needing to visit a branch. Plus, our mobile payments feature allows you to make transactions quickly and safely using your smartphone.

Financial Strength

Committed Team

Our dedicated team consists of 169 full-time employees and 2 part-time employees who are always ready to serve you with expertise and care. We believe that personalized service is key to fostering trust within our community.

Growing Community Trust

With a total of 143,928 share accounts, it's clear that more members are choosing Valley First as their trusted financial partner. This growing membership base reflects the confidence our community has placed in us. 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 3001 Countryside Dr Turlock Ca 95380 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.*

Lending Power

We support our members' financial goals with $16,804 in used auto loans and $721,018,285 in total loans and leases. This lending capacity ensures that whether you're looking to buy a car or finance a personal project, we're here to help make it happen.

Member-Centric Savings

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.

Reinvestment for 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 commitment to your financial success is reflected in our operational efficiency our $1,753,616 allows us to continue offering competitive loan rates and solid financial products tailored to your needs.

Solid Financial Foundation

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

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. We provide competitive rates for both new and used vehicles, making it easier than ever to find a loan that suits your budget.

Business Financing

For business owners looking for growth opportunities, our outstanding commercial loans totaling $34,176,342 provide the capital needed to expand operations. We understand that running a business comes with unique challenges and are here to support your financial journey.

Credit Cards and Personal Financing

In addition to our auto and mortgage offerings, we also provide flexible terms on unsecured credit card loans, with a total of $23,254,808 in loans helping members manage their finances effectively. Whether you need to consolidate debt or cover unexpected expenses, our personal financing options are designed with your needs in mind.

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 each step of the process to ensure you feel confident and informed.

Refinancing Options

If you're considering refinancing any of your current loans or credit products, our team can help you explore various eligibility options that may be available. This can be a smart way to lower your monthly payments or free up cash for other purposes. At Valley First Credit Union, we pride ourselves on offering personalized service and solutions that fit your lifestyle. For more information about our loan offerings or to discuss which option might be best for you, please call us at 209-549-8500 during our operating hours: Monday to Thursday from 9 AM to 5:30 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM. 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're here to help you every step of the way as you navigate your financial journey!

Loan Aggregator

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VALLEY FIRST FEDERAL CREDIT UNION - Turlock, CA

Type of Loan Offerings

Home Equity Loans

Personal Loans

Vehicle Loans

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