Valley First Credit Union is a not-for-profit financial cooperative that is owned by our members. Unlike banks who are in business for their shareholders, we are in business for our members. The money earned by banks is paid out to a few shareholders. We give the money back to our members in the form of higher dividend rates on savings and lower loan rates. Additionally, the money deposited by credit union members is in turn loaned out to other members, incorporating the "people-helping-people" philosophy.

You are eligible for membership with Valley First Credit Union if you live, regularly work, regularly worship or attend school in Fresno, Madera, Mariposa, Merced, San Joaquin, Stanislaus or Tuolumne County, if you are employed with an employer group specifically listed in the credit union's field of membership, or are an immediate family member of a Valley First Credit Union member.

Board of Directors
Fred Cruz Chairperson	Ken Karn Vice Chairperson	Judy Jensen Secretary
Gary Hall, Treasurer	Matt Sinclair Director	Patricia Gillihan Director
Marlene Jackson Director	Wes Hall Director Emeritus
Supervisory Committee
Rex Cline Chairperson	Chris Peterson	Rick Robinson
Administration
Hank Barrett President/CEO	Dennis Barta VP of Finance	Pam Grover VP of Member Services
Terri Holveck VP of IS/IT	Anita Morphew VP of Marketing	Paul Emanuels VP of Lending