At a glance
From its website, read 2 Nov 2026Valley First Federal Credit Union is a credit union based in Modesto, California. Its website describes auto loans, energy-efficiency loans, microloans and 3 other loan types. Consumer loan APRs stated on its site range from 5.79% to 10.49%. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Apply online | Page with the application link |
|---|---|
| Website | www.valleyfirstcu.org |
| Office (official list) | 1005 W Orangeburg Ave., Modesto, CA 95350 |
What their website says about applying
Simply use our online loan application or visit your local branch and a Member Service Specialist will assist you.
sourceTalk with a Valley First Business Specialist Today.
sourceContact us to start your SBA Loan!
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Auto / vehicle loans | Rate: 5.79% APR | For 48 monthly payments at 5.79% APR | source |
| Personal / consumer loans | Rate: 10.49% APR | 60 monthly payments of $21.50 per $1,000 borrowed at 10.49% fixed APR | source |
| Auto / vehicle loans | Term: 12 mo–4 yr | for 12-48 Months term. | source |
| Auto / vehicle loans | Term: up to 7 yr | Up to 84 months | source |
| Personal / consumer loans | Term: 12 mo–5 yr | for 12-60 Months term. | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Membership required
To get an Auto Loan, you must
source - First-time homebuyer program
Must be a first-time homebuyer
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 16 Sep 2021 |
| RSSD ID | 617882 |
| Address | 1005 W Orangeburg Ave., Modesto, CA 95350 Directions (Google Maps) |
| Website | www.valleyfirstcu.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. The county list is taken from commercial business specialist contact blocks, and membership eligibility area was not stated on the pages. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | Ready to embrace the freedom of the open road with a vehicle of your own? Whether you're looking for a new or used vehicle | source |
| Energy / solar / efficiency loans | — | Valley First Credit Union is excited to offer our new Green Loan Program, designed to help you finance Solar Photovoltaic (PV) Systems for your home. | source |
| Microloans | up to $50,000 | Fuel Your Business Dreams with Microloans Up to $50K | source |
| Home mortgages | — | We offer 15-, 30- and 40-Year mortgages | source |
| Personal / consumer loans | up to $50,000 | Up to $50,000 | source |
| SBA-backed loans (7(a)/504/Community Advantage) | — | Small Business Administration (SBA) loans are designed to provide the robust support your business needs | source |
Service area
Not stated on the pages we read.
Borrower focus
- First-time homebuyers
Must be a first-time homebuyer
source
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Simply use our online loan application or visit your local branch and a Member Service Specialist will assist you.
source
Pages read (7)
- https://www.valleyfirstcu.org/
- https://www.valleyfirstcu.org/consumer-green-loan-program
- https://www.valleyfirstcu.org/commercial-green-loan-program
- https://www.valleyfirstcu.org/auto-loans
- https://www.valleyfirstcu.org/home-loans
- https://www.valleyfirstcu.org/personal-loans
- https://www.valleyfirstcu.org/sba-business-loans
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your energy-efficiency loans and home mortgages?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your microloans and SBA-backed loans?
Their website does not state a rate for this. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$5.3 million in 5 awards from the U.S. Treasury's CDFI Fund, 2022–2024 (CDFI Equitable Recovery Program; CDFI Program, Financial Assistance; Small Dollar Loan Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Financial Assistance | $625,000 |
| 2024 | Small Dollar Loan Program | $281,094 |
| 2022 | CDFI Equitable Recovery Program | $3,718,258 |
| 2022 | CDFI Program, Financial Assistance | $510,000 |
| 2022 | Small Dollar Loan Program | $126,352 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Listed in the source as “Valley First Credit Union”. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as VALLEY FIRST (charter 24986). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $1.1 billion (as of 30 Jun 2026) |
|---|---|
| Members | 80,982 (as of 30 Jun 2026) |
| Offices | 9 (as of 30 Jun 2026) |
Offices by state and county (9)
California (9 offices)
- Fresno County (2): 645 W Herndon Ave, Clovis 93612; 7685 N Fresno St, Fresno 93720
- San Joaquin County (1): 1003 N Central Ave, Tracy 95376
- Stanislaus County (6): 1005 W Orangeburg Ave, Modesto 95350 (main office); 1501 Mitchell Rd, Ceres 95307; 1419 J St, Modesto 95354; 3900 Sisk Rd Ste E2, Modesto 95356; 126 W F St, Oakdale 95361; 3001 Countryside Dr, Turlock 95380
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Valley First Federal Credit Union (NCUA charter 24986, filed as “VALLEY FIRST”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; downloaded 3 Nov 2026.
| Total loans and leases | $830.8 million, 62,957 loans (as of 30 Jun 2026) |
|---|---|
| Members | 80,982 (as of 30 Jun 2026) |
| Loans per member | $10,259 (total loans divided by members, 30 Jun 2026) |
| Total assets | $1.11 billion (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $71.4 million | 8.6% |
| Used vehicle loans | $253.8 million | 30.5% |
| First-lien home mortgages (1-4 family) | $179.7 million | 21.6% |
| Other real estate loans (junior liens, other) | $84.3 million | 10.1% |
| Commercial (business) loans | $116.7 million | 14.1% |
| Credit cards | $20.7 million | 2.5% |
| Other unsecured loans | $32.7 million | 3.9% |
| Leases and other secured loans | $71.4 million | 8.6% |
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Median SBA 7(a) loan it approved, FY2020–FY2026 | $249,500 (22 loans) | All 7(a) lenders in California: $270,000. Larger than the median loan of 68% of the 97 other certified CDFIs with 10 or more 7(a) loans. |
| SBA approvals, FY2023–24 → FY2025–26 | 17 → 3 | Rank among the 21 certified CDFIs in California with SBA approvals in either period: 5 → 12. |
| Total assets (Call Report, 30 Jun 2026) | $1.11 billion | Larger than 76% of the 25 other certified credit unions in California (median $425.5 million). |
| Loans as a share of assets | 75% | Median of the same 25 credit unions: 71%. A higher share means more of its balance sheet is lent out. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Median SBA 7(a) loan | certified CDFIs with 10+ 7(a) loans, nationwide | 97 | larger than 68% |
| SBA approvals then vs now | certified CDFIs in California with SBA approvals FY2023–2026 | 20 | rank 5 → 12 of 21 |
| Call Report total assets | other certified credit unions in California | 25 | larger than 76% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
Same loan type, nearby, lower stated rate
Certified CDFIs whose head office is within 50 miles of this one and whose own website states a starting rate at least 0.5 points lower for the same loan type. Consumer loans count only where both lenders state an APR. A starting rate is not an offer: ask each lender what you would pay, and check that it lends where you are (credit unions also require membership).
- Auto / vehicle loans (this lender states from 5.79%): Rolling F Credit Union from 4.30% (14 mi, read 2 Nov 2026); MERCO Credit Union from 4.74% (40 mi, read 2 Nov 2026)
- Personal / consumer loans (this lender states from 10.49%): Rolling F Credit Union from 8.95% (14 mi, read 2 Nov 2026)
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. SBA 7(a) & 504 FOIA data as of 30 Sep 2026. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Stated rates: each lender's own website, read on the date shown.
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 22 SBA-backed approvals for Valley First Federal Credit Union in fiscal years 2020–2026 (October 2019 to September 2026):
- 22 7(a) loans as the lender: $9.5M in total (gross amount approved), median $249,500
By fiscal year: FY2020 0 · FY2021 0 · FY2022 2 · FY2023 10 · FY2024 7 · FY2025 2 · FY2026 1.
What actually happened
- Size of its 7(a) loans: half were between $105,000 and $486,375, median $249,500 (22 loans)
- Term of its 7(a) loans: median 120 months (10 years) (22 loans)
- Fixed or variable: 82% of its 7(a) loans had a fixed rate (22 loans)
- Young businesses: 50% of its 7(a) loans went to a startup or a business two years old or less (22 loans with an answer)
Descriptive only: what the SBA file records for loans this lender approved in fiscal years 2020–2026. Each figure covers at least 10 loans; with fewer we show nothing. It is not an offer, not the rate or term you would get, and says nothing about your chance of approval.
By program
- 7(a) standard (21, 95%)
- 7(a) working-capital and trade lines (1, 5%)
Borrower industries
NAICS sector, 3 or more loans.
- Agriculture, forestry, fishing and hunting (3)
- Other services (except public administration) (3)
Where borrowers are
County of the borrower's ZIP code, 3 or more loans.
- Stanislaus County, CA (12)
- Kern County, CA (6)
How this lender was matched in the SBA files: NCUA charter 24986, found through the RSSD ID in NCUA records (SBA lists “Valley First Federal Credit Union”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. Valley First Federal Credit Union may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in Modesto and California
- Mocse Federal Credit UnionCredit union · Modesto, CAAuto / vehicle loans, Personal / consumer loansVerified
- Modesto's First Federal Credit UnionCredit union · Modesto, CAAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
- AccessityLoan fund · San Diego, CASmall-business loansVerified
- Accion Opportunity Fund Community DevelopmentLoan fund · San Jose, CAEquipment loans, SBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- AltaOne Federal Credit UnionCredit union · Ridgecrest, CAAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Equipment loans…Verified
- Altura Credit UnionCredit union · Riverside, CAAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
Work at Valley First Federal Credit Union? Link to this page
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