Certified Credit Union Financial Counselors
Valley First members have access to free financial counseling with our Certified Credit Union Financial Counselors (CCUFC). Contact our CCUFC team for personalized guidance that aligns with your financial goals and gets you on the road to financial freedom.
No Judgment, Just Support
Our counselors provide confidential, judgment-free guidance tailored to your unique situation and goals. It's never too early or too late to take control of your financial well-being.
How Our Financial Counselors Can Help You
Budgeting & Spending Plans
Create a personalized monthly budget that works for your lifestyle, identify spending patterns and opportunities to save, develop strategies to manage irregular income, or plan for expected and unexpected expenses
Debt Management
Design effective debt repayment strategies, consolidate high-interest debts, negotiate with creditors when appropriate or rebuild your credit after financial challenges
Credit Building & Improvement
Understand your credit report and score, identify factors impacting your credit, create a personalized credit improvement plan or establish or rebuild credit history
Major Life Financial Planning
Prepare financially for marriage or divorce, plan for growing your family, navigate financial aspects of career changes or create strategies for education funding
Housing Financial Guidance
Prepare for homeownership, understand mortgage options, evaluate rent vs. buy decisions or explore refinancing opportunities
Retirement Planning Basics
Start retirement savings at any age, maximize employer retirement benefits, create catch-up strategies or balance retirement with other financial priorities
Our CCUFCs are here for you when you’re:
- Feeling overwhelmed by debt or financial decisions
- Experiencing a significant life change (marriage, children, job transition)
- Planning a major purchase like a home or vehicle
- Looking to improve your credit score
- Struggling to create or stick to a budget
- Wanting to establish an emergency fund
- Planning for retirement or education expenses
- Experiencing financial hardship or unexpected expenses
- Simply wanting to take control of your financial future
Contact Our CCUFC Team Today
Schedule your free consultation
Your financial well-being is our priority. Let us help you build a stronger financial future today!
Valley First CCUFC Team
Chris Arceo
Fresno Branch
Erica Modaffari, Financial Health Educator
Fresno County
Evalyn Maldonado
J Street Branch
Jacob Swoyer
Virtual Branch
Jennie Martinez-Anguelo
Tracy Branch
Navin Rasoda
Oakdale Branch
Susan McClure
Member Contact Center
Tania Arechiga
Consumer Loans
HABLO ESPAÑOL
Victoria Nunes
Turlock Branch