Ready to Serve You.

Our world is currently facing an issue of enormous magnitude. With the growing concerns over the coronavirus disease (COVID-19), we want to assure you that we are well positioned to continue serving you. 

Security and Safety Notice.  You will be asked to temporarily pull down any face mask upon entering the branch, and when requested by Member Serivce for identification purposes.

Who is eligible to receive a Stimulus Check,  for complete information please visit

For information on applying for a SBA | Payroll Protection Program loan, please click here.

Important Information from Valley First - COVID-19 (Coronavirus) Update: 3/13/2020 - Message from the President/CEO, Kathryn J. Davis Read More

UPDATE: COVID-19 (Coronavirus): 3/18/2020 - Message from the President/CEO, Kathryn J. Davis Read More

For the most reliable information and updates, please visit the Center for Disease Control and Prevention

We are here to help you, our member.

  • Skip-A-Payment
    • Valley First is currently offering additional Skip-A-Payments on qualifying loans to help members affected financially by the crisis.  If you have an existing loan with Valley First, you may be eligible for up to 3 Skip-A-Payments1.   To discuss your options please contact us.
  • Emergency Relief Personal Loan -  Click here to learn more
    • During this challenging time Valley First is offering our members an Emergency Relief Loan. If you are experiencing financial challenges and a loss of income due to the COVID-19 outbreak you may be eligible for assistance.
  • Stay Secure & Avoid Phishing Scams
    • No Valley First employee will ever call you and ask for your personal and/or account information.  Authorities are alerting consumers to beware of scams related to COVID-19 (coronavirus). Examples range from criminals posing as World Health Organization officials conducting phone and phishing scams, to identity thieves harvesting credit card and other information on websites purportedly selling safety items.
  • Member Fee Waivers - At this time, the following fees will be waived2.
    • Payment-by-Phone
    • Skip-A-Payment1
    • Non-CO-OP ATM Fees (Charged by VFCU)
    • Share Certificate Early Withdrawal
    • Incoming Wire Transfer
    • Stop Payment (ACH & Checks)

Mortgage Forbearance Assistance - If you are being affected by the COVID-19 pandemic and have questions regarding the payment options available to you on your first mortgage loan with Valley First Credit Union, please contact the servicing partner listed on your mortgage statement. Our servicing partners are:

  • Wescom Central Credit Union
    • Phone: (844) 324-7796 Option 1
    • Email:
  • TruHome Solutions
    • Phone: (855) 491-2757
    • Email:

If your mortgage loan is not being serviced by either Wescom or TruHome (as indicated on your mortgage statement), please contact the collections department at 209-491-4113, or at

Digital Services & Automated Services - For your safety and that of our staff, when possible we would encourage you to use our digital services available to you 24/7.

  • ValleyLine, Online & Mobile Banking
    • Valley Line – 24/7 access to your accounts | (800) 266-8328.  Access your accounts to complete transactions such as: Balance Inquiries, Transfers, Withdrawals, History Inquiries, Activate New Card, Lost Stolen Card
    • Online Banking - Login to online banking to complete most regular banking transactions, loan and account applications, check deposits, bill pay and many other banking needs.
    • Mobile Banking – Download our app and enjoy all the same features as our online banking.  Click on the links below to download our VFCU Mobile Banking App.

      google app google app

Our Branches

Our office and branches are operational.  We are following the advice provided by the CDC, including supplying hand sanitizer and anti-microbial soaps, with extra cleaning efforts at all locations and ATMs. If the status of our branch availability should change, we'll provide continuing updates on this page.

  • Starting Monday, 5/18, our Oakdale, Clovis and Fresno Shaw branches will reopen our lobby services.  Additional services are available through Online/Banking and Valleyline (24/7 automated phone line).
  • Security and Safety Notice.  You will be asked to temporarily pull down any face mask upon entering the branch, and when requested by Member Serivce for identification purposes.
  • All Other Branches will be open as normal. Please note, to protect the health of members and sta­ff, we will be limiting the number of people inside the branch in accordance with the social spacing guidance provided by the CDC.
  • Some services such as account opening, and loan application may be limited depending upon staff availability and member needs.
  • In March 2020, Valley First month Increased the frequency of our already stringent sanitation standards, including implementing additional cleaning procedures in our branches and ATM's.

1Limit three skip payments per loan. Other terms and conditions may apply. Finance charges will continue to accrue during the deferral period, your payments will be applied to the deferred interest prior to any application to principal. It is important to understand deferral of payments will increase finance charges over the life of the loan and may increase the number of payments required to pay off the loan, your final payment may also change.

2Fee waivers/reimbursements are subject to change at any time without notice.