About Us

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Serving the community you call home.

Valley First Credit Union provides quality financial services to the growing and diverse communities of Calaveras, Fresno, Kern, Kings, Madera, Mariposa, Merced, Sacramento, San Joaquin, Stanislaus, Tulare, and Tuolumne Counties. We are a not-for-profit financial cooperative that is owned by our members.

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 credit union philosophy of "People Helping People".

Click here to view our 2022 Annual Report on financial performance, highlights and community support. 

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Our History


Seven county employees formed the Stanislaus County Employees Federal
Credit Union

Eight Gallo Winery employees formed Gallo Employees Federal Credit Union



Gallo Glass Federal Credit Union was established

In an effort to increase assets and loan availability, the two Gallo Credit Unions merged



The two Gallo Credit Unions took on a new name, Vintage Federal Credit Union

The Board of Directors of Stanislaus Federal Credit Union, along with Vintage Federal Credit Union, agreed to join together and become a new, bigger and better credit union uniquely positioned to serve its combined membership



The two credit unions came together and under a State Charter, opened their first branch at 1419 J Street in downtown Modesto, as Valley First Credit Union