Member Perks
Unlock the Benefits of Membership
At Valley First Credit Union, membership means more than just having an account – it means joining a financial family committed to your well-being. Discover the exclusive benefits that come with being part of our community.
Significantly better rates and lower fees
Experience the difference with higher dividend rates on savings and lower loan interest rates. We’re here to help you keep more money in your pocket.
Products and services developed for your financial well-being
We’re not just your financial institution, we’re your trusted partners. Our team takes the time to understand your unique needs and provide tailored solutions.
Community-centric approach
When you bank with us, you’re investing in your community. Your deposits are reinvested locally, fueling growth and prosperity in the community you call home.
Accessible technology
Enjoy the convenience of modern banking with our user-friendly online and mobile banking platforms. Access your accounts, pay bills, and manage your finances 24/7 from the convenience of anywhere!
Financial education
Empower yourself with our wealth of financial resources and educational tools. We’re here to guide you on your journey to financial success.
We’re here to support your today and empower your future.
Our commitment is to help you manage your daily financial life to strengthen your financial future.
Additional member benefits*:
- Surcharge Free ATMs: Enjoy fee-free access to nearly 30,000 ATMs nationwide.
- Love My Credit Union Rewards: Exclusive discounts and offers from trusted partners.
- Discount tickets1: Save on fun with reduced prices for top attractions and entertainment.
- TruStage® Insurance: Dependable insurance options at member-friendly rates.
- Skip-A-Payment: Flexibility when you need it—skip a loan payment without a hassle.
- Promotions: Seasonal specials and promotions designed to give you more bang for your buck.
*Restrictions may apply, click on the link for more information
1Restrictions apply. Visit the links provided through Online & Mobile Banking for details.
Every benefit serves as an expression of our gratitude for your trust and membership. Scroll down to discover how each one can make a difference in your day-to-day life and support your financial journey.
Surcharge Free ATM Network
Effortless access to cash, nationwide
Embrace the ease of surcharge-free ATM withdrawals with your Valley First Debit Card, your golden ticket to nearly 30,000 CO-OP Network ATMs and 2,000 Citi Bank Branch ATMs across the nation. Whether you're running errands, on a road trip, or exploring a new city, your cash is always within reach.
Find a CO-OP ATM - your convenient cash access solution
Eliminate ATM fees from your daily routine. As a Valley First member, you can conveniently access your funds at CO-OP ATMS across various locations, including popular stores like Costco and Target. As well as other credit union branches. Your money, your accessibility, simplified.
Citi Bank ATM Community Network
We’ve partnered with Citi® ATM Community Network to provide access to nationwide ATMs. With the Citi ATM Network your cash is always within reach.
Find a Citi Branch ATM near you with Citi® Bank's location finder.
LOVE MY CREDIT UNION
Exclusive perks for our credit union family
At Valley First, our members are like family, and we believe family deserves the best. Check out these exclusive offers and enjoy the savings that come with being a part of our community.
Secure Your Family’s Future with an Estate Plan
Get 20% off an estate plan.
We partnered with Trust & Will to provide members with an easy and affordable way to create an estate plan online. Trust & Will is the leader in online estate planning and has helped over half a million families secure their legacies. Together, we’re on a mission to help families protect their legacy and give their families peace of mind.
Will-Based Estate Plan
$199 | starting at $159.20 with 20% savings
This outlines how you want your dependents, financial assets, and medical concerns to be taken care of.
- Nominate trusted guardians for children and pets
- Determine how assets will be distributed
- Designate healthcare agents and specify what happens in a medical emergency
Trust-Based Estate Plan
$499 | starting at $399.20 with 20% savings
This includes all the features of a Will and more.
- Add conditions to how assets will be distributed
- Create a revocable living trust
- Avoid probate court
DISCOUNT TICKETS
Unlock a world of fun with member-exclusive discounts
Who says you can't mix fun with savings? At Valley First Credit Union, membership comes with its perks, and that includes discounted access to some of the most exciting vacation packages and local attractions around. Get ready to create unforgettable memories—without stretching your wallet.
Vacation packages - your ticket to adventure
Dreaming of sandy beaches in Hawaii, cultural explorations in Mexico, or family fun in San Diego? How about the magic of Disneyland or the thrills of Universal Studios Hollywood? With our preferred partners, you can turn those dreams into reality for less.
Local Attractions – Your Passport to Fun
One of the many benefits of being a Valley First member is having access to discounted tickets*. Get discounts on tickets for Disneyland, Universal Studios, travel and more through Get Away Today. Buy discounted tickets for the Santa Cruz Beach Boardwalk from their website.
To purchase: Log into Online Banking and select Discount Tickets. Then click Discount Instructions and Promo Codes for details, promo codes, and links to purchase discounted tickets and travel offers.
*Restrictions apply.
TRUSTAGE® INSURANCE
Safeguarding your tomorrow, today
At Valley First Credit Union, we believe peace of mind should come without a hefty price tag. That's why we've teamed up with TruStage® Insurance to offer you and your loved ones reliable insurance coverage that's as affordable as it is comprehensive.
Accidental coverage at no extra cost:
As a valued member, you're entitled to a no-cost Accidental Death & Dismemberment (AD&D) policy from CMFG Life Insurance Company. This policy provides $2,000 of coverage to help protect you against life's unforeseen events, at absolutely no cost to you.
Not yet a member? Join us today and take advantage of these exclusive benefits.
Join TodaySKIP-A-PAYMENT
A little breathing room when you need it most
Life is full of surprises, and sometimes your wallet needs a bit of a break. That's why we've crafted our Skip-A-Payment program, giving you the flexibility to skip a payment on your auto or personal loan when you need to free up some funds for the other things that matter—like a family holiday, a well-deserved getaway, or just a little extra breathing space. 1
Ready to experience the difference? Join us today!
Unlock these exclusive benefits and more by becoming a member at Valley First. Your financial journey deserves the attention and care that only a credit union can provide.
*Enter our $10,000 Tax Time Sweepstakes Love My Credit Union® Rewards Tax Time Sweepstakes
CLICK HERE to enter for a chance to win $10,000 in the Love My Credit Union Rewards Tax Time Sweepstakes. TurboTax Offer: Visit http://turbotax.intuit.com/lp/yoy/guarantees.jsp for TurboTax product guarantees and other important information. Limited time offer for TurboTax 2025. Discount applies to TurboTax federal products only. Actual prices are determined at the time of print or e-file and are subject to change without notice. Terms, conditions, features, availability, pricing, fees, service and support options subject to change without notice. Intuit, TurboTax and TurboTax Online, among others, are registered trademarks and/or service marks of Intuit Inc. in the United States and other countries. Money movement services are provided by Intuit Payments Inc., licensed as a Money Transmitter by the New York State Department of Financial Services. For more information about Intuit Payments' money transmission licenses, please visit https://www.intuit.com/legal/licenses/payment-licenses/. 1Up to 5 Days Early to Your Bank Account: Personal taxes only. Your federal tax refund will be deposited to your selected bank account up to 5 days before the refund settlement date provided by the IRS (the date your refund would have arrived if sent from the IRS directly). The receipt of your refund up to 5 Days Early is subject to IRS submitting refund information to us at least 5 days before the refund settlement date. IRS does not always provide refund settlement information early. You will not be eligible to receive your refund up to 5 Days Early if (1) you take a Refund Advance loan, (2) IRS delays payment of your refund, or (3) your bank's policies do not allow for same-day payment processing. Up to 5 Days Early fee will be deducted directly from your refund prior to being deposited to your bank account. If your refund cannot be delivered at least 1 day early, you will not be charged the Up to 5 Days Early fee. Up to 5 Days Early program may change or be discontinued at any time. H&R Block Offer: void if sold, purchased, or transferred and where prohibited. No cash value valid at participating U.S. offices only A new client is an individual who did not use H&R Block or Block Advisors office services to prepare their 2024 tax return. Discount valid only with or for preparation of an original 2025 personal Income tax return. Coupon must be presented prior to completion of initial tax interview. Discount may not be combined with any other offer or promotion. Expires October 15, 2026. OBTP# 13696-BR ©2025 HRB Tax Group, Inc. All tax situations are different. Not everyone gets a refund. See hrblock.com/guarantees for complete details. Sweepstakes: NO PURCHASE NECESSARY. Legal residents of the 50 United States (D.C.) 18 years or older who are members or employees of a U.S. credit union. Ends 4/15/26. To enter and for Official Rules, including odds and prize descriptions, visit https://taxservices.lovemycreditunion.org. Void where prohibited.
1Request Skip-A-Payment on eligible loan(s) anytime up until 5:00pm on the due date of the loan. Finance charges will continue to accrue on your loan(s) during the month you defer your payment. If you have established recurring payments, it is your responsibility to cancel the payment that you wish to skip once your request has been processed. Your regularly scheduled payment will resume the month after your payment was deferred. You cannot request Skip-A-Payment after the due date of the loan. You cannot skip back to back payments. Other restrictions may apply.
2A $10.00 Skip-A-Payment Processing Fee will be charged to your account at the time the request is processed within Online/Mobile Banking.
3A $30.00 Skip-A-Payment Processing Fee will be charged to your account at the time the request is processed over the phone or in the branch.
4 Limited-Time Member Offer: Save 30% on the initial purchase of a Trust & Will estate plan from October 1-31, 2026.
Offer valid October 1, 2026 through October 31, 2026. Discount is automatically applied at checkout and applies to the initial purchase of a will- or trust-based estate plan only. Subsequent upgrades are not eligible for the discount. Offer does not apply to shipping, taxes, Attorney Support, estate settlement services, or other add-on products and services. Terms and conditions may apply.