Credit union · NCUA insured
Valley First Credit Union CD Rates
Valley First Credit Union’s best CD rate is 4.00% APY on a 5-month share certificate (CD). Terms run from 5 months to 5 years. Rates checked October 16, 2026.
How Valley First Credit Union’s CD rates compare
Compared with banks and credit unions near Modesto, CA, where Valley First Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Valley First Credit Union
4.00%APY
- Term
- 5 months
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000
- $165
Special Premium Certificates
Top rate
Golden 1 Credit Union
4.30%APY
- Term
- 9 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $321
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
Valley First Credit Union CD score
79
CD score
Higher than 48% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo3.15%
- 31–60 months31–60 mo2.75%
- QualifiedQualified4.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Valley First Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Special Premium Certificates
4.00%APY · 1 term
Limited-time special certificate. Requires $10,000 minimum deposit with 50% in new money (funds not on deposit at Valley First Credit Union in the 30 days prior to certificate opening). Must have a Valley First primary share account. At maturity, rolls over to a 6-Month Premium Certificate unless changed during the 10-day grace period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 5 monthsRequires 50% of opening deposit in new money | 4.00% | $165 |
Premium Certificates
Up to 3.50%APY · 8 terms
Must be a credit union member with a Valley First primary share account. Early withdrawal penalty may apply. Dividends compound monthly and are calculated using average daily balance method.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.00% | $149 |
| 9 months | 3.10% | $232 |
| 12 months | 3.50% | $350 |
| 18 months | 3.15% | $476 |
| 24 months | 3.10% | $630 |
| 36 months | 2.75% | $848 |
| 48 months | 1.85% | $761 |
| 60 months | 1.75% | $906 |
Share Certificates
Up to 3.50%APY · 5 terms
Must be a credit union member with a Valley First primary share account. Early withdrawal penalty may apply. Dividends compound monthly and are calculated using average daily balance method.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 0.31% | $15 |
| 12 months | 3.50% | $350 |
| 18 months | 0.68% | $102 |
| 24 months | 0.85% | $171 |
| 36 months | 0.95% | $288 |
Special-purpose accounts
Special Premium IRA Certificates
4.00%APY · 1 term
Limited-time special IRA certificate. Requires $10,000 minimum deposit with 50% in new money (funds not on deposit at Valley First Credit Union in the 30 days prior to certificate opening). Must have a Valley First primary share account. At maturity, rolls over to a 6-Month Premium Certificate unless changed during the 10-day grace period.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 5 monthsRequires 50% of opening deposit in new money | 4.00% | $165 |
Premium IRA Certificates
Up to 3.50%APY · 8 terms
Must be a credit union member with a Valley First primary share account. Early withdrawal penalty may apply. Dividends compound monthly and are calculated using average daily balance method.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.00% | $149 |
| 9 months | 3.10% | $232 |
| 12 months | 3.50% | $350 |
| 18 months | 3.15% | $476 |
| 24 months | 3.10% | $630 |
| 36 months | 2.75% | $848 |
| 48 months | 1.85% | $761 |
| 60 months | 1.75% | $906 |
Regular IRA Certificates
Up to 3.50%APY · 5 terms
Must be a credit union member with a Valley First primary share account. Early withdrawal penalty may apply. Dividends compound monthly and are calculated using average daily balance method.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 0.31% | $15 |
| 12 months | 3.50% | $350 |
| 18 months | 0.68% | $102 |
| 24 months | 0.85% | $171 |
| 36 months | 0.95% | $288 |
Grow Forward Certificate
0.10%APY · 1 term
Youth certificate for ages 13-17. Must be a credit union member with a Valley First primary share account. Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsAvailable for ages 13-17 | 0.10% | $2 |
Moo-La Club Certificate
0.05%APY · 1 term
Youth certificate for ages 6-12. Must be a credit union member with a Valley First primary share account. Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsAvailable for ages 6-12 | 0.05% | $1 |
Who can join Valley First Credit Union
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