--- title: "Valley First Credit Union Rates (Nov 2026): CDs to 4.35%" description: "Valley First Credit Union rates today: savings & CDs up to 4.35% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Valley First Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/california/valley-first" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Valley First Credit Union Rates (Nov 2026): CDs to 4.35% ### Mortgage rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Home Loan** other | — APR | 7.216% | — | Standard | Valley First Credit Union mortgage rates as of November 9, 2026 ### Auto & vehicle rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Auto Loan** auto | — APR | 5.790% | — | Standard | Valley First Credit Union auto & vehicle rates as of November 9, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **HELOC (Variable)** heloc_variable | — APR | 7.000% | — | Standard | Valley First Credit Union heloc rates as of November 9, 2026 ### Personal loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Unsecured Personal Loan** personal_unsecured | — APR | 10.250% | — | Standard | Valley First Credit Union personal loan rates as of November 9, 2026 ### Credit card rates 6 offers | Product | Published | Rate | Term / condition | Status | | **Points Rewards Credit Card** credit_card_rewards | — APR | 12.740% | — | Standard | | **Cash Back Credit Card** credit_card_cash_back | — APR | 12.740% | — | Standard | | **Credit Card** credit_card | — APR | 12.740% | — | Standard | | **Business Credit Card** credit_card_business | — APR | 17.740% | — | Standard | | **Business Cash Back Credit Card** credit_card_business | — APR | 17.740% | — | Standard | | **Signature Credit Card** credit_card_platinum | — APR | 18.000% | — | Standard | Valley First Credit Union credit card rates as of November 9, 2026 ### Savings & CD rates 33 offers | Product | Published | Rate | Term / condition | Status | | **Primary and Secondary Shares** savings | 0.03% APY | 0.03% | — | Standard | | **Business Primary Share Savings 2** share_savings | 0.05% APY | 0.05% | — | Eligibility restricted | | **Chickadee Club, Moo-La Club** savings | 0.05% APY | 0.05% | — | Standard | | **Interest Business Checking 4** checking | 0.05% APY | 0.05% | — | Eligibility restricted | | **Moo-La Club Certificate 3** cd_3mo | — APY | 0.05% | 3 mo | Standard | | **Money Market** money_market | 0.07% APY | 0.07% | — | Standard | | **Purple Savings 2** savings | 0.10% APY | 0.10% | — | Standard | | **Grow Forward Certificate 3** cd_3mo | — APY | 0.10% | 3 mo | Standard | | **Certificate** share_certificate | — APY | 0.31% | — | Standard | | **Share Certificates 2** share_certificate_6mo | 0.31% APY | 0.31% | 6 mo | Standard | | **Share Certificates 2** share_certificate_18mo | 0.68% APY | 0.68% | 18 mo | Standard | | **24-Month Certificate** share_certificate_24mo | 0.85% APY | 0.85% | 24 mo | Standard | | **Share Certificates 2** share_certificate_36mo | 0.95% APY | 0.95% | 36 mo | Standard | | **Business Money Market Account Savings 3** money_market | 1.30% APY | 1.29% | — | Eligibility restricted | | **Premium Certificates 2** cd_60mo | 2.00% APY | 2.00% | 60 mo | Standard | | **Premium Certificates 2** cd_48mo | 2.10% APY | 2.10% | 48 mo | Standard | | **Business Certificate 2** share_certificate_36mo | 3.00% APY | 2.96% | 36 mo | Eligibility restricted | | **Premium Certificates 2** cd_36mo | 3.00% APY | 3.00% | 36 mo | Standard | | **Business Certificate 2** share_certificate_6mo | 3.25% APY | 3.20% | 6 mo | Eligibility restricted | | **Premium Certificates 2** cd_6mo | 3.25% APY | 3.25% | 6 mo | Standard | | **Business Certificate 2** share_certificate_24mo | 3.35% APY | 3.30% | 24 mo | Eligibility restricted | | **Premium Certificates 2** cd_9mo | 3.35% APY | 3.35% | 9 mo | Standard | | **Premium Certificates 2** cd_18mo | 3.40% APY | 3.40% | 18 mo | Standard | | **Business Certificate 2** share_certificate_18mo | 3.40% APY | 3.35% | 18 mo | Eligibility restricted | | **Share Certificates 2** share_certificate_12mo | 3.50% APY | 3.50% | 12 mo | Standard | | **Premium Certificates 2** cd_12mo | 3.75% APY | 3.75% | 12 mo | Standard | | **12-Month Certificate** cd_12mo | — APY | 3.75% | 12 mo | Standard | | **Business Certificate 2** share_certificate_12mo | 3.75% APY | 3.69% | 12 mo | Eligibility restricted | | **Special Premium Certificates 4** cd_5mo | 4.00% APY | 4.00% | 5 mo | Standard | | **Special Premium Certificates 4** cd_15mo | 4.35% APY | 4.35% | 15 mo | Standard | | **$5,000** savings | — APY | 5.49% | — | Standard | | **$15,000** savings | — APY | 5.79% | — | Standard | | **$10,000** savings | — APY | 5.89% | — | Standard | Valley First Credit Union savings & cd rates as of November 9, 2026 ### Other rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Rates are as low as the rates listed below.** other | — % | 5.790% | — | Standard | | **Consumer Green Loan** other | — % | 6.490% | — | Context only | | **Minimum Loan Amount** other | — % | 6.990% | — | Standard | Valley First Credit Union other rates as of November 9, 2026 Savings and certificate yields up to 4.35% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/california/valley-first) , verified from [Valley First Credit Union's official website](https://www.valleyfirstcu.org/) Loading branch locator… ## About Valley First Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 80.6K Assets $1.1B Founded 1956 Locations reported 9 NCUA charter 24986 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - First-time homebuyer program - Bilingual services - Student scholarships - Credit-builder products Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Organized Labor** Organized Labor Credit Union · Modesto · CA · 95350 About 0.7 miles away](https://rateapi.dev/credit-unions/california/organized-labor) [**Mocse** J Street · Modesto · CA · 95354-1013 About 2.0 miles away](https://rateapi.dev/credit-unions/california/mocse) [**Modesto's First** Main Office · Modesto · CA · 95354-2423 About 2.6 miles away](https://rateapi.dev/credit-unions/california/modestos-first) [**Self-Help** Modesto · Modesto · CA · 95351 About 3.9 miles away](https://rateapi.dev/credit-unions/north-carolina/self-help) [**Rolling F** ROLLING F CREDIT UNION · TURLOCK · CA · 95382-2471 About 14.0 miles away](https://rateapi.dev/credit-unions/california/rolling-f) [**Valley Strong** Manteca Branch · Manteca · CA · 95336 About 14.3 miles away](https://rateapi.dev/credit-unions/california/valley-strong) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Valley First Credit Union Membership eligibility from Valley First Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Valley First Credit Union's website. Check the membership page below to confirm whether you qualify. - Association qualified association, Financial Fitness Association (FFA) Verified from [Valley First Credit Union's membership page](https://www.valleyfirstcu.org/become-member) . Final membership determination is always made by the credit union. ## Membership rules for Valley First Credit Union Geography 3 counties · Employers 2 · Associations · Family 3 9 published paths to membership, last verified September 13, 2026, quoted from Valley First Credit Union’s own published criteria. ### Geography 3 Auto-verified against the source page from NCUA regulator charter records · last verified August 5, 2026 - Fresno County, CA - San Joaquin County, CA - Stanislaus County, CA “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Fresno County, CA; San Joaquin County, CA; Stanislaus County, CA” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) ### Employers 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified September 13, 2026 - Employee of Occupational Eligibility “Occupational Eligibility Obtained through being a current employee or retiree.” > [source ↗](https://www.valleyfirstcu.org/become-member) - Employee of Occupational Eligibility - Retired employee of Occupational Eligibility “Occupational Eligibility Obtained through being a current employee or retiree.” > [source ↗](https://www.valleyfirstcu.org/become-member) - Retiree of Occupational Eligibility ### Associations 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified September 13, 2026 - Belongs to qualified association (as written on the source page) “Association Eligibility Obtained through membership, employment, or retirement in a qualified association.” > [source ↗](https://www.valleyfirstcu.org/become-member) - Member of qualified association (class, not a named organization) ### Family 3 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified September 13, 2026 - Family of a member household member “Household Eligibility Obtained through sharing a household with someone who is a Valley First Federal Credit Union Member. "Household" is defined as persons living in the same residence maintaining a single economic unit.” > [source ↗](https://www.valleyfirstcu.org/become-member) - Family member (household member) of a member - Family of a member spouse, child, sibling, parent, grandparent, grandchild, stepparents, stepchildren, stepsiblings, adoptive relationships “For the purposes of membership eligibility "Immediate Family" is defined as spouse, child, sibling, parent, grandparent, or grandchild. This includes stepparents, stepchildren, stepsiblings, and adoptive relationships.” > [source ↗](https://www.valleyfirstcu.org/become-member) - Family member (spouse, child, sibling, parent, grandparent, grandchild, stepparents, stepchildren, stepsiblings, adoptive relationships) of a member - Family Of Deceased surviving spouse “Spouses of persons who died within the field of membership of Valley First are also eligible for membership.” > [source ↗](https://www.valleyfirstcu.org/become-member) - Family member (surviving spouse) of a deceased eligible person Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Valley First Credit Union? Yes No ## Work at Valley First Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Valley First Credit Union ranks against California peers. - See which AI assistants fetched Valley First Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in California - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=valley-first&state=california&code=CA&name=Valley%20First%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Valley First Credit Union offer? Valley First Credit Union currently offers mortgage, Auto loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified November 9, 2026 directly from the credit union's official website. ### How often are Valley First Credit Union rates updated? RateAPI verifies Valley First Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 9, 2026. ### Where does RateAPI get Valley First Credit Union's rate data? Rate data is collected directly from Valley First Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Valley First Credit Union's best CD rate? As of November 9, 2026, Valley First Credit Union offers savings and certificate (CD) yields up to 4.35% APY. ### Who can join Valley First Credit Union? Valley First Credit Union publishes its membership criteria on its own website. RateAPI tracks 9 published membership paths covering 3 counties, 2 employers and 1 association for Valley First Credit Union, each quoted from Valley First Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Valley First Credit Union's rates against national credit-union benchmarks. [More California credit unions](https://rateapi.dev/credit-unions/california) [California mortgage rate leaders](https://rateapi.dev/mortgage-rates/california) [California auto loan rate leaders](https://rateapi.dev/auto-loan-rates/california) [California HELOC rate leaders](https://rateapi.dev/heloc-rates/california) [California personal loan leaders](https://rateapi.dev/personal-loan-rates/california) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.valleyfirstcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Valley First Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when California credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Valley First Credit Union curl "https://api.rateapi.dev/credit-unions/california /valley-first " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Valley First Credit Union locations Search, filter, and browse all 9 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/california/valley-first Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp