Credit union · NCUA insured
Valley First Credit Union Credit Card Rates
Valley First Credit Union credit cards start at 12.49% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Valley First Credit Union’s credit card rates compare
Compared with banks and credit unions near Modesto, CA, where Valley First Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Valley First Credit Union
12.49%APR
- Up to
- 18.00% APR
Cash Back Credit Card
2nd-lowest rate
Mocse Credit Union
12.90%APR
- Up to
- 17.90% APR
3rd-lowest rate
Self-Help Federal Credit Union
13.50%APR
- Up to
- 16.00% APR
Valley First Credit Union credit card score
70
Credit card score
Higher than 27% of U.S. banks and credit unions
- Purchase APRPurchase APR12.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Valley First Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Cash Back Credit Card
All loans subject to credit approval. APR determined by program selected and credit history. Rates, terms and conditions subject to change.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.49%–18.00% | None | Variable standard APR for purchases, balance transfers, and cash advances. Determined by credit history. Card features 1% cash back on net purchases. |
Sources (3)
All captured Oct 7, 2026
Points Rewards Credit Card
All loans subject to credit approval. APR determined by program selected and credit history. Rates, terms and conditions subject to change.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.49%–18.00% | None | Variable standard APR for purchases, balance transfers, and cash advances. Determined by credit history. Card earns 1 point per $1 spent. |
Sources (3)
All captured Oct 7, 2026
Signature Credit Card
Subject to credit approval and creditworthiness. Rates, terms and conditions subject to change. After account approval, APR varies with the market based on the Prime Rate.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 18.00% | None | Standard APR for purchases, balance transfers, and cash advances. Variable rate based on Prime Rate. Card features 1.5% cash back on net purchases. |
Sources (3)
All captured Oct 7, 2026
Who can join Valley First Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.