Valley First Credit Union: Phone, Locations, Login & More
If you’ve searched for “Valley First credit union” and landed on pages for the wrong country, you’re not alone. There are actually two Valley First credit unions sharing a name—one in British Columbia, Canada, and another in Modesto, California. Both are member-owned cooperatives, but they operate independently and serve different regions. This guide cuts through the confusion by giving you direct phone numbers, verified branch locations, and clear instructions for logging in to online and mobile banking for each one.
Branches across BC: 45 · US Modesto locations: 2 sites · Canadian ATM access: Thousands · Ownership: 100% Member Owned
Quick snapshot
- Canadian Valley First has 45 branches across BC, serving Okanagan, Similkameen and Thompson valleys (Valley First Official Site)
- US Valley First Credit Union is based in Modesto, California at 1005 West Orangeburg Ave., Ste. A (Modesto Chamber of Commerce)
- Both are 100% member-owned, not-for-profit financial cooperatives (Valley First Official Site)
- Valley First mobile app availability confirmed for Canada; US app status unverified
- Exact hours for individual BC branches beyond HQ operating times
- Whether valleyfirstcu.org offers full-featured online banking
- Canadian Valley First website still actively promotes 45 branches (2026)
- Modesto administrative listing confirmed active with Chamber
- Both entities operating concurrently under shared name
- Use the correct website for your country before attempting login
- Save the appropriate contact number for your region
- Download the mobile app if you’re a Canadian Valley First member
The table below consolidates verified contact and location data for both Valley First entities.
| Field | Canadian Valley First | US Valley First CU (Modesto) |
|---|---|---|
| Primary Website | www.valleyfirst.com | valleyfirstcu.org |
| Headquarters Address | 184 Main St Fl 3, Penticton, BC V2A 8G7 | 1005 West Orangeburg Ave., Ste. A, Modesto CA 95350 |
| Main Contact Phone | 1-888-597-8083 (toll-free) | (209) 549-8500 (local) |
| HQ Direct Line | (250) 490-2720 | Fax: (209) 524-0173 |
| Branches | 45 across British Columbia | At least 1 confirmed (3900 Sisk Rd, Modesto) |
| Service Area | Okanagan, Similkameen, Thompson valleys | 12 Central CA counties (Stanislaus, Fresno, etc.) |
| Parent Organization | First West Credit Union (BC’s third-largest) | Independent not-for-profit cooperative |
Valley First credit union phone number
Reaching the right Valley First starts with dialing the correct number for your region.
Canadian support lines
- Toll-free general inquiries: 1-888-597-8083 — available Mon–Fri 8am–8pm, Sat 8:30am–4pm, Sun 11am–3pm (Valley First Official Site)
- Headquarters direct line: (250) 490-2720 (Yellow Pages CA listing)
- Live chat: Available Mon–Fri 9am–5pm (Valley First Official Site)
- Email: contact@valleyfirst.com
- Lost/stolen MemberCard: 1-888-597-8083
- Mastercard support (Valley First or Enderby Financial): 1-855-341-4643
- International collect for Mastercard: 1-647-252-9564
US Modesto contact
- Administrative offices: (209) 549-8500 — open M–F 9am–5pm (Modesto Chamber of Commerce)
- Fax: (209) 524-0173
Canadian members have far more support channels—including weekend hours, live chat, and dedicated Mastercard lines—while US members currently only have the Modesto office phone and fax.
Valley First credit union locations
The two Valley First entities cover different countries and vastly different service areas.
BC branches
Canadian Valley First operates 45 branches across British Columbia, concentrated in the Okanagan, Similkameen and Thompson valleys (Valley First Official Site). Members also have access to thousands of credit union ATMs across Canada.
An example branch location:
- Oliver BC branch: 1280-5955 Main Street, Oliver BC V0H 1T0 — phone (250) 498-6277 (South Okanagan Chamber of Commerce)
Penticton and Vernon sites
The Canadian headquarters sits at 184 Main St Fl 3, Penticton, British Columbia, V2A 8G7 (ZoomInfo business profile). Specific Vernon branch details are not independently verified in available sources.
Modesto CA branch
The US Valley First Credit Union has administrative offices at 1005 West Orangeburg Ave., Ste. A, Modesto CA 95350, located one block west of College Avenue on Orangeburg Avenue (Modesto Chamber of Commerce). A branch location is reportedly at 3900 Sisk Rd, Modesto, CA 95356, with Monday hours of 09:00–17:30 (Waze map listing). The Modesto entity serves communities in Calaveras, Fresno, Kern, Kings, Madera, Mariposa, Merced, Sacramento, San Joaquin, Stanislaus, Tulare, and Tuolumne Counties.
The pattern: Canadian Valley First has a dense provincial branch network; the US entity has limited confirmed locations focused on Stanislaus County.
Valley First login
Accessing your Valley First account online depends entirely on which entity you belong to.
Online services access
- Canadian members: Log in at valleyfirst.com/index/login — online banking, credit card login, and account management available (Valley First Official Site)
- US members: Access online services at valleyfirstcu.org (specific login URL not detailed in available sources)
App login process
Canadian Valley First members can download the mobile app on a phone or tablet for balance checks, fund transfers, and full account management. US Valley First CU members should check valleyfirstcu.org directly for mobile banking options.
If you’re a Canadian member trying to log in at a .org address, you’re in the wrong place. Verify your country affiliation before attempting access.
Valley First Credit Union app
The mobile app story differs significantly between the two entities.
Download options
The Canadian Valley First app is available for phones and tablets. Specific download links (App Store, Google Play) are not listed in verified sources, but Canadian members can locate the app by searching “Valley First” in their device’s app store or by visiting valleyfirst.com on mobile.
App features
- Cheque deposits: Mobile cheque deposit available through the Canadian app
- Bill payments: Pay bills directly from the app
- Account alerts: Set custom notifications for balance updates and transactions
- Balance checks and transfers: Core account management functions available
Canadian Valley First is described as “a premier provider of banking, investment and insurance services for residents and businesses in the Okanagan, Similkameen and Thompson valleys” (ZoomInfo business profile).
US Valley First CU mobile app details are not confirmed in publicly available sources. Members should contact (209) 549-8500 to ask about app availability before searching app stores.
Valley First credit union Canada vs Modesto
The most important thing to know: these are two entirely separate credit unions sharing a name.
Canadian Valley First overview
- Structure: Division of First West Credit Union, B.C.’s third-largest credit union
- Service area: Okanagan, Similkameen and Thompson valleys
- Branch count: 45 branches across BC
- ATM network: Access to thousands of credit union ATMs across Canada
- Tagline: “Proudly Canadian and 100% Member Owned” (Valley First Official Site)
- Revenue: Reported at $81.7 Million with 322 employees (ZoomInfo estimate)
US Valley First CU details
- Structure: Independent not-for-profit financial cooperative owned by members
- Service area: 12 Central California counties (Stanislaus, Fresno, Sacramento, and others)
- Primary location: Modesto, California
- Phone: (209) 549-8500
- Tagline context: “Financial well-being meets community empowerment” (Modesto Chamber of Commerce)
Members who contact the wrong office or try to access the wrong website will hit dead ends. Before calling or logging in, confirm whether you’re in Canada (valleyfirst.com, 45 branches, 1-888 toll-free) or California (valleyfirstcu.org, Modesto focus, 209 area code).
Search carefully for your country prefix when looking for locations or contact info. A search for “Valley First credit union Penticton” will return Canadian results; searching “Valley First credit union Modesto” returns the US entity. These organizations share only a name.
| Attribute | Canadian Valley First | US Valley First CU | Source |
|---|---|---|---|
| Official Website | www.valleyfirst.com | valleyfirstcu.org | Valley First Official Site; Waze |
| Headquarters | 184 Main St Fl 3, Penticton, BC V2A 8G7 | 1005 West Orangeburg Ave., Ste. A, Modesto CA 95350 | ZoomInfo; Modesto Chamber |
| Branches/Offices | 45 | 2 confirmed sites | Valley First Official Site; Waze |
| Main Phone | 1-888-597-8083 | (209) 549-8500 | Valley First Official Site; Modesto Chamber |
| Hours | Mon–Fri 8am–8pm, Sat 8:30am–4pm, Sun 11am–3pm | Mon–Fri 9am–5pm | Valley First Official Site; Modesto Chamber |
| ATM Access | Thousands across Canada | Limited local access | Valley First Official Site |
| Service Area | Okanagan, Similkameen, Thompson valleys (BC) | 12 Central CA counties | ZoomInfo; Modesto Chamber |
| Mobile App | Available (cheques, bills, alerts) | Unconfirmed | Valley First Official Site |
| Ownership | 100% member-owned (division of First West CU) | 100% member-owned (independent) | Valley First Official Site; Modesto Chamber |
| Employees | 322 (reported estimate) | Undisclosed | ZoomInfo |
| Revenue | $81.7 Million (reported estimate) | Undisclosed | ZoomInfo |
Upsides
- Canadian Valley First: extensive 45-branch network across BC
- Canadian members access thousands of ATMs nationwide
- Both offer live chat, multiple phone lines, and email support
- Both are 100% member-owned, not-for-profit cooperatives
- Canadian app covers full banking: deposits, transfers, alerts, bill pay
Downsides
- US mobile app details unconfirmed—contact office first
- US entity has limited verified online banking documentation
- Confusing shared name causes search confusion across borders
- Individual BC branch hours beyond HQ not publicly available
- US entity serves only 12 counties vs. Canadian provincial coverage
How to access online and mobile banking
Whether you’re a Canadian or US member, here are the steps to get started.
Step-by-step: Canadian Valley First
- Visit valleyfirst.com and click the login button for online banking
- Enter your member credentials (account number and password)
- For the mobile app: search “Valley First” in your device’s app store or visit valleyfirst.com on mobile
- Log in with the same credentials used for online banking
- Features available: check balances, transfer funds, deposit cheques, pay bills, set account alerts
Step-by-step: US Valley First CU Modesto
- Visit valleyfirstcu.org to access online services
- Look for the member login option on the homepage
- For mobile banking: verify app availability by calling (209) 549-8500 before downloading
- Contact the Modesto office if you need assistance setting up online access
“We are a not-for-profit financial cooperative that is owned by our members.”
— Valley First Credit Union (Modesto CA) via Modesto Chamber of Commerce listing
“Proudly Canadian and 100% Member Owned. Access 45 branches across BC.”
— Valley First Official Site
Related reading: RBC Mortgage Payment Calculator · Canadian to American Dollar Rate
While distinguishing it from the US Modesto outpost, Valley First’s 45+ BC branches and community services shine through in this branches services membership guide rooted in Okanagan history.
Frequently asked questions
What services are available through Valley First online banking?
Canadian members access full online banking including balance checks, fund transfers, credit card login, bill payments, and account management at valleyfirst.com. US members should check valleyfirstcu.org for available online services.
How many branches does Valley First have in Canada?
Canadian Valley First has 45 branches across British Columbia, concentrated in the Okanagan, Similkameen and Thompson valleys.
What is the contact number for Valley First Credit Union support?
Canadian members call 1-888-597-8083 (toll-free, extended hours including weekends). US members in Modesto call (209) 549-8500 during business hours M–F 9am–5pm.
Is there a Valley First app for mobile banking?
A mobile app is available for Canadian Valley First members, covering cheque deposits, bill payments, transfers, and account alerts. US Valley First CU app availability is unconfirmed—contact the Modesto office at (209) 549-8500 before downloading.
Where is Valley First Credit Union Modesto located?
US administrative offices are at 1005 West Orangeburg Ave., Ste. A, Modesto CA 95350. A branch location is reportedly at 3900 Sisk Rd, Modesto, CA 95356.
Are the Canadian and US Valley First credit unions the same entity?
No. They are separate, independent credit unions that happen to share the name “Valley First.” Canadian Valley First is a division of First West Credit Union (BC). US Valley First CU is an independent not-for-profit cooperative based in Modesto, California.
What ATMs can Valley First members use?
Canadian members access thousands of credit union ATMs across Canada through the ACCULS network. US members have access to local credit union ATMs in Central California, though specific ATM networks are not detailed in available sources.
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