941439553 · CA ↑ parent cluster ·
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VALLEY FIRST CREDIT UNION

CA · EIN 941439553 · $34.3M rev · operational · www.valleyfirstcu.org
profile

Valley First Credit Union is a financial institution that provides banking services to its members. It offers various accounts, loans, and digital banking tools, focusing on community empowerment and financial well-being. The credit union serves individuals and businesses in the Central Valley of California.

activities · 28

what they do

direct service · 25
  • Administer youth savings accounts to promote early financial literacy Youth Financial Accounts & Education
    Offers age-specific savings accounts including the Chickadee Club (0–5), Moo-La Club (6–12), Grow Forward (13–17), and Valley Thrive (18–25) to build financial skills and independence across developmental stages.
  • Administer youth savings programs by age group Youth Financial Accounts & Education
    Offers age-specific savings accounts including the Chickadee Club (0–5), Moo-La Club (6–12), Grow Forward (13–17), and Valley Thrive (18–25) to promote financial literacy and independence at different life stages.
  • Deliver checking accounts with cash back and sign-up incentives Member Savings and Share Accounts
    Offers Purple Checking accounts with a $200 bonus for new members who meet eligibility criteria and 1% cash back on the first $1,000 of monthly debit transactions.
  • Deliver digital banking access and tools Mobile & Digital Banking Services
    Provides 24/7 account access through Online & Mobile Banking, eStatements, Bill Pay, Valleyline automated phone service, and real-time fraud alerts via SMS, email, or voice.
  • Ensure account security and real-time transaction monitoring Mobile & Digital Banking Services
    Provides real-time fraud alerts via SMS, email, or voice and enables members to manage debit card usage through mobile app features to prevent unauthorized transactions.
  • Ensure federal insurance of member deposits Low-Cost Checking & Savings Accounts
    Federally insures member savings up to at least $250,000 through the National Credit Union Administration (NCUA), with this protection referenced across multiple account types.
  • Facilitate primary membership and account access Member Savings and Share Accounts
    Enables new members to join via an online application process, requiring a $5 membership fee and $25 minimum opening deposit, with no monthly service fee and 24/7 access through digital and phone banking platforms.
  • Guarantee federal insurance on member savings Low-Cost Checking & Savings Accounts
    Federally insures member deposits up to at least $250,000 through the National Credit Union Administration (NCUA), with consistent messaging across savings and money market accounts.
  • Issue debit cards with security and convenience features Surcharge-Free ATM & Shared Branch Access
    Provides debit cards with fee-free access to over 30,000 CO-OP ATMs worldwide, real-time fraud alerts, and mobile app controls to toggle the card on/off, set geographic limits, and manage merchant categories.
  • Offer Share Certificate accounts with flexible terms and competitive rates Certificate and Share Accounts
    Provides Share Certificate options with terms ranging from 3 to 60 months and higher rates than traditional savings accounts, with no monthly service fees.
  • Offer Share Certificates with flexible terms and competitive rates Term Certificate Programs
    Provides Share Certificate options with terms ranging from 3 to 60 months and higher rates than traditional savings accounts, with no monthly service fees and tiered benefits based on balance.
  • Offer high-yield and tiered savings products Specialty Savings & Deposit Accounts
    Provides Purple Savings accounts with a 3.50% APY on the first $10,000 and competitive split rates above that threshold, along with tiered dividend rates on money market accounts requiring a $2,500 minimum for top APY.
  • Offer incentivized checking accounts Member Savings and Share Accounts
    Provides a Purple Checking account with a $200 bonus for new members who meet eligibility requirements, 1% cash back on the first $1,000 of monthly debit transactions, and up to $15 in monthly ATM fee reimbursements.
  • Provide Club Accounts Specialty Savings & Deposit Accounts
    Offers Club Accounts with flexible terms (3-12 months) and a 0.05% annual percentage yield to help members achieve short-term financial goals like vacations or weddings.
  • Provide Debit Card Services Surcharge-Free ATM & Shared Branch Access
    Provides debit cards for daily transactions, offers fee-free access to over 30,000 ATMs, and enables members to control card usage and receive real-time fraud alerts via a mobile app.
  • Provide Money Market Accounts Certificate and Share Accounts
    Offers money market accounts with tiered dividend rates ranging from 0.07% to 0.20% APY, requiring a $2,500 minimum balance to earn the highest rate, and provides federal insurance up to $250,000.
  • Provide Primary Share Account with low barriers to entry Member Savings and Share Accounts
    Offers a Primary Share Account requiring a $5 membership fee and $25 minimum deposit to open, with no monthly service fee and tiered dividend rates based on balance.
  • Provide Primary Share Accounts Member Savings and Share Accounts
    Offers Primary Share Accounts with tiered dividend rates, requiring a one-time $5 membership fee and a $25 minimum opening deposit, and provides 24/7 account access through online, mobile banking, and an automated phone agent.
  • Provide Purple Checking Accounts Member Savings and Share Accounts
    Offers Purple Checking accounts with a $200 bonus for new members, 1% cash back on the first $1,000 of monthly debit card transactions, and up to $15 in monthly ATM fee reimbursements.
  • Provide Purple Savings Accounts Specialty Savings & Deposit Accounts
    Offers Purple Savings accounts with a 3.50% annual percentage yield on the first $10,000 and competitive split rates for higher balances, with 24/7 access and federal insurance up to $250,000.
  • Provide Share Certificate accounts Certificate and Share Accounts
    Offers Share Certificate options with higher rates than traditional savings accounts and flexible terms ranging from 3 to 60 months, without monthly service fees.
  • Provide Youth Savings Accounts Youth Financial Accounts & Education
    Offers age-specific savings accounts: Chickadee Club (0-5 years), Moo-La Club (6-12 years), Grow Forward (13-17 years), and Valley Thrive (18-25 years) to foster financial literacy and independence from a young age.
  • Provide fee-free ATM access and debit card controls Surcharge-Free ATM & Shared Branch Access
    Offers members fee-free access to over 30,000 ATMs globally via the CO-OP network, monthly ATM fee reimbursement up to $15, and mobile-based debit card controls including toggling, georules, and merchant category management.
  • Provide high-yield savings accounts with tiered rates Specialty Savings & Deposit Accounts
    Offers a Purple Savings account with a 3.50% APY on the first $10,000 and competitive split rates above that threshold, along with Club Accounts for short-term goals and money market accounts with tiered APYs up to 0.20% based on balance.
  • Support short-term savings goals with Club Accounts Specialty Savings & Deposit Accounts
    Offers Club Accounts with flexible 3- to 12-month terms and a 0.05% APY to help members save for specific near-term goals like vacations or weddings.
capacity building · 3
strategies · 27

how they think

Theories of action extracted from this org's own source material. Click any to see the full field of orgs running the same approach.

named programs · 17

what they call their work

Bill Pay
Service for managing and paying bills online.
Business Services
Financial services tailored for businesses including business credit cards, loans, and support for commercial projects
Credit Cards
Credit card services with competitive APRs for personal and business use.
Financial Fitness Challenge
An initiative to promote financial well-being.
Fraud Alerts
SMS, Email, or Voice alerts for suspicious activity on accounts.
Home Loans
Loans for home purchases with competitive APRs.
Online & Mobile Banking
Free, secure access to accounts for transfers, balance checks, and loan applications.
Personal Loans
Personal loan options with competitive APRs.
Primary Share Account
Membership savings account requiring a $25 minimum balance, serving as the foundational account for credit union membership
Purple Checking
Checking account offering 1% cash back on the first $1,000 in debit card transactions monthly, up to $15 in ATM fee reimbursements, no monthly service fee, and no minimum balance requirement
Purple Savings
Savings account offering a 3.50% APY on the first $10,000 with split rates on higher balances, available to members with new deposits of at least $2,500 and who hold a Primary Share and Purple Checking account
Share Certificates
Fixed-rate savings products with terms from 3 to 60 months, including Traditional, IRA, and Youth Certificates with minimum deposits ranging from $250 to $10,000
Valleyline
24-hour automated phone line for account management.
Vehicle Loans
Loans for vehicle purchases with competitive APRs.
Visa Purchase Alert
Email or SMS notifications for debit card transactions to monitor finances and prevent fraud.
Wes Hall Memorial Fund
Grants awarded to local youth programs in honor of Wes Hall.
eStatements
Digital delivery of account statements and notices.
relationships · 11

who they work with

  • Apple Pay Partner — Enables integration of Valley First debit cards into Apple Pay for digital payments.
  • CO-OP Network Network — Provides fee-free access to over 30,000 ATMs worldwide through membership in the CO-OP network.
  • CO-OP Network Network — Provides surcharge-free ATM access to members through participation in the CO-OP Network.
  • Google Pay Partner — Enables integration of Valley First debit cards into Google Pay for digital payments.
  • NCUA Government — Federally insures savings at Valley First Credit Union up to $250,000.
  • National Credit Union Administration Government — Federally insures savings at Valley First Credit Union up to $250,000.
  • National Credit Union Administration Government — Provides federal insurance for member savings up to $250,000.
  • National Credit Union Administration Government — Provides federal share insurance for member savings up to at least $250,000.
  • Samsung Pay Partner — Enables integration of Valley First debit cards into Samsung Pay for digital payments.
  • Visa Partner — Issues debit cards on the Visa network.
  • Visa Partner — Partners with Visa to offer Purchase Alert notifications for transaction security.