IN OUR COMMUNITY

Serving The Financial Needs Of The Central Valley

Valley First Credit Union is a member-owned, not-for-profit financial cooperative based in Modesto with branches in Fresno, Clovis, Turlock, Ceres, Modesto, Oakdale and Tracy.

We serve more than 80,000 members in 12 counties in the growing and diverse communities between Sacramento and Bakersfield.

SUPPORTING THE VALLEY’S SMALL BUSINESSES

Expanded our small business banking program with new products and services to help fill a much-needed credit gap in our community.

Opened a Small Business Development Center office inside the Turlock Branch to connect local entrepreneurs with resources.

DONATING TIME, RESOURCES, AND TALENT

Attended 165 community events throughout the Central Valley, volunteering 1,115 service hours.

Serving The Underserved

Donated more than $97,000 to local non-profits.

As a Community Development Financial Institution (certified in 2021), Valley First is charged with generating economic growth and opportunity in economically disadvantaged communities with programs that inject new sources of capital into neighborhoods that lack access to financing.

In 2022 we received Low Income Designation status, which expands access to capital for small businesses and others who have been underserved in low-income communities.

More than 60% of our loans are done in communities where more than half of the households have incomes below 60% of the area income or the poverty rate is at 25% or higher. Forty-five percent of our total loan portfolio is to Hispanic borrowers.

Valley First launched Small Dollar Loans and Quick Loans to help members avoid going to check cashers/payday lenders.

Provided financial education to 2,571 people in our community.