Valley First Credit Union


Valley First Credit Union provides quality financial services to the growing and diverse communities of Calaveras, Fresno, Kings, Madera, Mariposa, Merced, San Joaquin, Stanislaus, Tulare, and Tuolumne Counties. We are a not-for-profit financial cooperative that is owned by our members in the many communities we serve.

Unlike banks who are in business for their stockholders, we are in business for our members. The money earned by banks is paid out to a few stockholders. We give the money back to our members in the form of higher dividend rates on savings and lower interest rates on loans. Additionally, the money deposited by credit union members is in turn loaned out to other members, incorporating the "People Helping People" philosophy.

User Ratings

GD Star Rating

HSA Program Features

FDIC or NCUA Insured:
Min Balance to Open:
  • Debit Card
  • Checks
  • Online Banking

HSA Interest Rates

Interest rates for various balance tiers
Up to $999.990.00%
$1,000 - $29,999.990.05%
$30,000 - $79,999.990.05%
$80,000 or greater0.15%
Last checked on: 04-05-2016


Monthly Maintenance Fee$0.00*
Account Opening Fee$10.00
Account Closing FeeUnknown

* $3 monthly fee applies if you request paper statements instead of eStatements

HSA Investment Options

Mutual Fund Platform: close   Self-Directed Brokerage: close   CDs: close   Other: close

Contact Information

General Information


Customer Service

Mailing AddressPO Box 1411
Modesto, CA 95353-1411

Phone Number877-549-4567