About Valley First Credit Union

“People helping people”
Valley First Credit Union provides quality financial services to the growing and diverse communities of Calaveras, Fresno, Kings, Madera, Mariposa, Merced, San Joaquin, Stanislaus, Tulare, and Tuolumne Counties. We are a not-for-profit financial cooperative that is owned by our members in the many communities we serve.

Unlike banks who are in business for their stockholders, we are in business for our members. The money earned by banks is paid out to a few stockholders. We give the money back to our members in the form of higher dividend rates on savings and lower interest rates on loans. Additionally, the money deposited by credit union members is in turn loaned out to other members, incorporating the "People Helping People" philosophy.

Membership Eligibility
You are eligible for membership with Valley First Credit Union if you live, regularly work, regularly worship or attend school in Calaveras, Fresno, Kings, Madera, Mariposa, Merced, San Joaquin, Stanislaus, Tulare, or Tuolumne County, if you are employed with one of our many Select Employer Groups (SEG) specifically listed in the credit union's field of membership, or are an immediate family member of a Valley First Credit Union member.

Community Involvement
A result of our “People Helping People” philosophy is our commitment to supporting community causes and financial education.

Financial Education Presentations
Upon request, Valley First provides educational presentations to schools and community organizations.

For branch locations and hours, click here.

Did you know, as a member of Valley First you have access to nearly 30,000 CO-OP Network ATMs nationwide? Simply text* your address or zip code to 91989 to find a CO-OP ATM near you!

*Usage charges for text and data may apply, please check with your carrier for rates.


Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency

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