Valley First Credit Union
Routing number 321173522 · from valleyfirstcu.org, checked 10 July 2026Confirm it on a cheque or with the credit union before you send money.
Recorded in the U.S. National Credit Union Administration (NCUA) registry
Valley First is a member-owned, state-chartered credit union based in Modesto, CA, United States. It serves approximately 80,982 members and holds around $1.1 billion in total assets. Member deposits are federally insured by the National Credit Union Administration (NCUA).
Who can join: Valley First Federal Credit Union operates with a Multiple Common Bond charter, which allows us to offer membership to anyone who meets one of the following eligibility criteria: Occupational Eligibility, Obtained through being a current employee or retiree.
Key facts
- Address
- PO Box 1411
- Postal code
- 95353
- Members
- 80,982
- Total assets (approx.)
- $1.1 billion
- Charter
- State-chartered
- Deposit insurance
- NCUA (NCUSIF)
- Phone
- (877) 549-4567
- Routing number
- 321173522
- Sector
- Credit Unions & Banking
- Country
- 🇺🇸 United States
Reports more members than 92% of the 4,214 credit unions & banking listed in United States that report a member count.
Products & services
- Checking accounts
- Savings accounts
- Money market
- Auto loans
- Mortgages
- Home equity / HELOC
- Credit cards
- Personal loans
- Business banking
- Investments & retirement
- Insurance
Compiled from Valley First Credit Union’s website. Confirm current products and terms on their site.
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Credit Unions & BankingView details →About credit unions & banking cooperatives
Credit unions and banking cooperatives are financial institutions owned by their members rather than outside shareholders, returning value through better rates and lower fees.
Cooperatives in United States
The United States has 4,214 federally insured credit unions with 146.1 million members (NCUA, June 2026), alongside thousands of agricultural, electric and worker cooperatives.
This listing is sourced from public records published by the National Credit Union Administration (NCUA).
A member with a question or complaint?
Cooperatives.com is a directory. It cannot see or change your account, or pass a message on. Contact Valley First Credit Union directly, or use the regulator: NCUA consumer help ↗
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