Become a Member

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Welcome to Valley First.

As a member of Valley First Credit Union, you’ll have access to a full range of financial services and benefits designed to help you save money while managing your finances and reaching those long-term goals.

Plus, the perks of membership make banking fun.


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You are eligible for membership with Valley First Credit Union if you:

  • Live, work, worship, or attend school in Calaveras, Fresno, Kern, Kings, Madera, Mariposa, Merced, Sacramento, San Joaquin, Stanislaus, Tulare or Tuolumne County
  • Are employed with an employer group specifically listed in the credit union's field of membership Select Employer Group (SEG)
  • Are an immediate family member of a Valley First Credit Union member, including grandparents, grandchildren, parents, spouse, children (natural, foster or adopted) siblings

Become a member in 4 easy steps!

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1 To become a member Click Here

2 Complete a Membership Application

3 Establish your Primary Share Account with an initial deposit of $25 plus a one-time, non-refundable Membership Fee of $5, for a total of $30

4 Provide a valid Driver's License/Photo ID of everyone signing on the account

Convenience and More

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The credit union has a lot to offer! Some of our services and benefits include:

  • 8 Branches
  • Coin Counters1
  • Envelope-Free ATMs
  • Money Orders
  • Notary Service1
  • Online & Mobile Banking
  • Safe Deposit Boxes1
  • Wire Transfers
  • And More!

Free 24/7 Services

Online & Mobile Banking

Free, secure access to your account anywhere, anytime.

Make transfers, check balances, and apply for loans at your convenience. Enrolling is fast and easy. Get started today and enjoy our user-friendly Online & Mobile Banking.

Learn More


Data and other wireless carrier charges may apply.


Reduce paper clutter and the hassle of shredding sensitive account information with eStatements.

Conveniently access statements and important notices when you need them within our secure Online & Mobile Banking.

Bill Pay

Easily manage and pay your bills while saving time and money with free Bill Pay.

You can set up payees, schedule payments and view recent, pending and past payments at any time.


Day or night, conveniently transfer money, check balances, make loan payments and much more by calling Valleyline, our 24-hour automated phone line.

Learn More

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Membership has Many Perks

Enjoy exclusive savings and benefits when you become a Valley First member.2

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1Select locations only.
2Restrictions may apply, click on the link for more information.