Valley First Credit Union Savings & Money Market Rates

How Valley First Credit Union’s savings 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
0.10%APY
Requires
Another account
Minimum
—
Earns on $10,000 a year
$10
Purple Savings
Top rate
Citi
3.00%APY
Requires
None
Minimum
$0
Earns on $10,000 a year
$300
Citi rates
2nd-highest rate
Self-Help Federal Credit Union
2.12%APY
Requires
None
Minimum
—
Earns on $10,000 a year
$212
Self-Help Federal Credit Union rates

Compare savings rates near you →

Savings score

Higher than 46% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.07%
$10,000 balance$10,0000.10%
$100,000 balance$100,0000.15%
QualifiedQualified3.25%

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.

How the score works →

Where Valley First Credit Union ranks

By savings score, in each area where it has branches

Every rate

Current savings rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

Purple Savings

Up to 3.25%APYRequirements apply

To open account and receive 3.25% APY, at least $2,500 must be from new deposits to the credit union. Must have a Primary Share and Purple Checking account.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $10,000Applies to the first $10,000. Requires $2,500 new deposit minimum, Primary Share, and Purple Checking account.	3.25%	$325	Applies to the first $10,000. Requires $2,500 new deposit minimum, Primary Share, and Purple Checking account.
$10,000 and upSplit rate earnings on balances greater than $10,000.	0.10%	$10	Split rate earnings on balances greater than $10,000.

Sources (2)

All captured Oct 16, 2026

Money Market

0.10%APY

Dividends are calculated by the average daily balance method and compound monthly. No monthly service fee.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Up to $10,000	0.07%	—
$10,000 – $25,000	0.10%	$10
$25,000 – $50,000	0.12%	—
$50,000 – $250,000	0.15%	—
$250,000 and up	0.20%	—

Sources (2)

All captured Sep 16, 2026

Primary Share Account

0.03%APY$25 to open

Membership application, valid ID, one-time $5 membership fee, and $25 minimum opening deposit required. Must maintain $25 minimum balance at all times to avoid service fee and closure. Must maintain $1,000 minimum balance to earn stated APY.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $1,000Must maintain $25 minimum balance to avoid service fee.	0.00%	—	Must maintain $25 minimum balance to avoid service fee.
$1,000 – $30,000	0.03%	$3
$30,000 – $75,000	0.07%	—
$75,000 – $100,000	0.10%	—
$100,000 – $125,000	0.12%	—
$125,000 and up	0.15%	—

Sources (4)

All captured Oct 16, 2026

Special-purpose accounts

Individual Retirement Account (IRA)

0.15%APYIRA

To open an IRA, must be a member of the credit union and have a Primary Share Account. IRA plan options include Traditional, Roth, SEP, and Coverdell education.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceNo monthly service fee, no annual fee, and no direct deposit requirement. Applies to any balance.Any balance	0.15%	$15	No monthly service fee, no annual fee, and no direct deposit requirement. Applies to any balance.

Sources (3)

All captured Oct 16, 2026

Chickadee Club Savings

0.05%APYKids and teens$1 to open

For children aged 0-5 with a joint account holder over 18. Requires completed membership application, valid ID, one-time $5 membership fee, and $1 minimum opening deposit. Maintaining a $1 minimum balance ensures no service fees.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $24Maintaining a $1 minimum balance ensures no service fees.	0.05%	—	Maintaining a $1 minimum balance ensures no service fees.
$25 and upMaintaining a $1 minimum balance ensures no service fees.	0.05%	$5	Maintaining a $1 minimum balance ensures no service fees.

Sources (4)

All captured Oct 16, 2026

Club Account

0.05%APY · 1 termClub

Credit union membership required. Flexible terms ranging from 3 to 12 months. Early withdrawal fee applies if withdrawal is made prior to maturity date.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
3–12 monthsNo minimum balance. Zero monthly service fee. Early withdrawal fees apply per withdrawal prior to maturity date	0.05%	$1

Sources (3)

All captured Oct 16, 2026

Grow Forward Savings

0.05%APYKids and teens$10 to open

For teens aged 13-17 with a joint account holder over 18. Requires completed membership application, valid ID, one-time $5 membership fee, and $10 minimum opening deposit. Maintaining a $10 minimum balance ensures no service fees.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $24Maintaining a $10 minimum balance ensures no service fees.	0.05%	—	Maintaining a $10 minimum balance ensures no service fees.
$25 and upMaintaining a $10 minimum balance ensures no service fees.	0.05%	$5	Maintaining a $10 minimum balance ensures no service fees.

Sources (4)

All captured Oct 16, 2026

Moo-La Club Savings

0.05%APYKids and teens$1 to open

For children aged 6-12 with a joint account holder over 18. Requires completed membership application, valid ID, one-time $5 membership fee, and $1 minimum opening deposit. Maintaining a $1 minimum balance ensures no service fees.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $24Maintaining a $1 minimum balance ensures no service fees.	0.05%	—	Maintaining a $1 minimum balance ensures no service fees.
$25 and upMaintaining a $1 minimum balance ensures no service fees.	0.05%	$5	Maintaining a $1 minimum balance ensures no service fees.

Sources (4)

All captured Oct 16, 2026

Valley Thrive Savings

0.05%APYKids and teens$10 to open

Exclusively for young adults aged 18-25. Requires completed membership application, valid ID, one-time $5 membership fee, and $10 minimum opening deposit. Maintaining a $10 minimum balance ensures no service fees.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $24Maintaining a $10 minimum balance ensures no service fees.	0.05%	—	Maintaining a $10 minimum balance ensures no service fees.
$25 and upMaintaining a $10 minimum balance ensures no service fees.	0.05%	$5	Maintaining a $10 minimum balance ensures no service fees.

Sources (4)

All captured Oct 16, 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.

Visit institution website ↗Branches and institution details

← Valley First Credit Union overview

How Valley First Credit Union’s savings rates compare

Valley First Credit Union savings score

Current savings rates

Purple Savings

Money Market

Primary Share Account

Special-purpose accounts

Individual Retirement Account (IRA)

Chickadee Club Savings

Club Account

Grow Forward Savings

Moo-La Club Savings

Valley Thrive Savings

Who can join Valley First Credit Union