The Valley First Credit Union All Credit Levels is a cdfi lender from Valley First Credit Union. The annual fee is $0. The ongoing APR is 12.49 %. Rewards: Earn 1% cash back on debit!. This product reports activity to your personal credit report. Valley First Credit Union is a member-focused financial institution based in Modesto, CA, dedicated to empowering individuals and businesses in their financial journeys. They offer a range of services including personal loans, vehicle loans, home loans, and business credit cards, with a commitment to community development and financial well-being. Services include: personal loans, vehicle loans, home loans, business loans. US Treasury certified CDFI Credit Union in Modesto, CA. Membership required.