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  • Become a Valley First Member

    Better rates, trusted service, and a community‑first approach — join a credit union that puts your financial well‑being first.

Become A Member

More ways to bank. More ways to belong.

Local. Personal. Built around you.

At Valley First Credit Union, membership means more than opening an account - it means having a trusted financial partner who’s invested in your success. From everyday banking to long term financial goals, we’re here to help you make the most of your money with better rates, fewer fees, and service that puts people first.

Join Now
 

Why choose Valley First?

Member first service

As a not for profit credit union, we reinvest earnings back into our members - not shareholders - so you benefit from competitive rates and meaningful value.

Banking your way

Bank when and how it works for you, with welcoming local branches and secure digital tools that make managing your finances easy.

Financial guidance you can trust

Get support, resources, and tools designed to help you build confidence and make informed financial decisions at every stage of life.

Community rooted

Our decisions are guided by the communities we serve, with a commitment to strengthening the Central Valley through local service and support.

The perks of membership

  • 8 convenient branch locations
  • Surcharge free ATM access
  • Online & Mobile Banking for 24/7 account access
  • Bill Pay, eStatements, Valleyline®, and more free services
  • CO OP Network ATMs, discount tickets, Love My Credit Union Rewards, and TruStage® Insurance1

Membership gives you access to practical benefits that help you save time, money, and stress—today and long term.

Become a member in 3 easy steps

Apply

Complete our online membership application or visit a branch.

Open your Primary Share Account2

Establish membership with a $25 deposit plus a one time, non refundable $5 membership fee.

Verify identity3

Provide a valid driver’s license or photo ID for all account signers.

Who’s eligible to join?

Valley First Federal Credit Union operates with a Multiple Common Bond charter, which allows us to offer membership to anyone who meets one of the following eligibility criteria:

Occupational Eligibility

Obtained through being a current employee or retiree.

Association Eligibility

Obtained through membership, employment, or retirement in a qualified association. 

Immediate Family Eligibility

Obtained through having an immediate family member who is an existing Valley First member. 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. Spouses of persons who died within the field of membership of Valley First are also eligible for membership.

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.

Financial Fitness Association (FFA)

If you don’t meet the eligibility criteria above, you can still become a Valley First member by joining the Financial Fitness Association (FFA) - a non‑profit organization dedicated to improving financial wellbeing through education, tools, and resources. Valley First covers the cost of your initial FFA membership, giving you a full year of access at no additional cost. If applicable, joining FFA will be part of your Valley First Federal Credit Union membership application.

LEARN ABOUT FFA

Simple, secure digital banking

Online & Mobile Banking

Access your accounts anytime, anywhere. Check balances, transfer funds, pay bills, and apply for loans securely from your phone or computer.

Learn More

eStatements & Bill Pay

Go paperless with eStatements and manage payments efficiently with free Bill Pay - all within Online & Mobile Banking.

Valleyline®

Get 24 hour access by phone to transfer money, check balances, make loan payments, and more.

Learn More

Ready to get started?

Join Valley First Credit Union and experience a smarter, more personal approach to banking - built for the way you live today and plan for tomorrow.

Open your account now or visit a branch to speak with a Member Service Specialist.

1 Select locations only.

2 Membership requirements apply: Membership requires a savings account opened with an initial $25.00 deposit plus a $5.00 one-time membership fee, for a total of $30.00. New accounts subject to ChexSystems. Other restrictions may apply.

3 Membership applicants will be screened with a Risk Management system validating: Identity Verification; Know Your Member Checks and Fraud/AML Information.  Proper identification with a photo such as a State issued ID, Driver’s License or Passport with is required for verifying identity.