Credit union · NCUA insured
Greater Valley CU
A $33.4M credit union headquartered in Fresno, CA, with 2,093 members and 1 branch in California. Best rates: CDs 3.66% and savings 1.00% APY.
Greater Valley CU Carrot Score
76
Carrot Score
Higher than 42% of U.S. banks and credit unions
#10 of 24 in Fresno, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Greater Valley CU
Greater Valley Credit Union, formerly California State Employees Credit Union No. 4, has been serving members in the Central Valley since 1936.
Headquartered in Fresno, California, the financial institution is a non-profit organization owned and operated by its members.
- Headquarters
- 1185 W Hedges Ave, Fresno, CA 93728-1219
- NCUA charter
- 64660
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- You are eligible for membership if you live or work in Fresno County or Madera Ranchos.
Military, government and schools
- You are eligible for membership if you are a District 6 state employee or retiree.
Family and household
- You are eligible for membership if you are a family member of a current GVCU member.
Cost to join
- New members must pay a one-time, non-refundable membership fee of $0.50.
- New members must deposit a minimum opening deposit of $5.00 into a Regular Shares savings account and maintain a minimum daily balance of $5.00.
Branches
1 branch in California
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California
1 branch
- MainMain office1185 W Hedges Ave, Fresno, CA 93728Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 14.42% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.00% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.66% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $43 | $59 | — |
- CapitalNet worth ratio14.42%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.00%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.66%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$43Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Greater Valley CU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.