About VALLEY FIRST CREDIT UNION
VALLEY FIRST CREDIT UNION is a member-owned credit union headquartered in MODESTO, California. As a not-for-profit financial cooperative, it returns earnings to its members in the form of lower loan rates, higher savings yields, and reduced fees rather than distributing profits to outside shareholders. Like all federally insured credit unions, deposits are insured up to $250,000 per share owner by the National Credit Union Share Insurance Fund (NCUSIF), administered by the National Credit Union Administration (NCUA).
The institution participates in the Federal Reserve's FedACH network, which is how routing number 321172756 identifies it for electronic transactions. Members use this number for direct deposit of paychecks and tax refunds, automatic bill pay, ACH transfers between accounts, and most domestic wire transfers. The same number prints on the bottom-left of every check issued by the credit union and appears in member-facing online banking dashboards.
Routing number
Use the routing number below for ACH transfers, direct deposits, and most domestic wire transfers. If you are setting up an international wire, you will also need a SWIFT/BIC code — contact VALLEY FIRST CREDIT UNION directly for international wire instructions, as SWIFT participation varies by institution.
| Routing number | Office | City | State | Detail |
|---|---|---|---|---|
| 321172756 | VALLEY FIRST CREDIT UNION | MODESTO | CA | View → |
| 321173522 | VALLEY FIRST CREDIT UNION | MODESTO | CA | View → |
| 321178093 | VALLEY FIRST CREDIT UNION | MODESTO | CA | View → |
Branch locations
VALLEY FIRST CREDIT UNION has 3 offices registered with the Federal Reserve. The list below shows each branch as it appears in the FedACH Participant Directory, which is the authoritative source for ABA routing data in the United States.
| Branch | Address | City | State | Zip | Phone |
|---|---|---|---|---|---|
| VALLEY FIRST CREDIT UNION | SUITE B | MODESTO | CA | 95350 | (209) 549-8500 |
| VALLEY FIRST CREDIT UNION | SUITE B | MODESTO | CA | 95350 | (209) 549-8511 |
| VALLEY FIRST CREDIT UNION | 1005 W ORANGEBURG | MODESTO | CA | 95350 | (209) 549-8511 |
How to use this routing number
For direct deposit of your paycheck, give your employer the routing number above along with your account number. Your employer's payroll provider will then send funds directly into your account on payday — usually one or two days faster than waiting for a paper check to clear.
For tax refunds, enter the routing number and your account number on IRS Form 1040 (line 35b for routing, 35d for account number). The IRS will deposit your refund electronically, typically within 21 days of accepting your return.
For ACH transfers between your VALLEY FIRST CREDIT UNION account and accounts at other banks (such as funding a brokerage or savings account), provide the same routing number and account number to the receiving institution. Most ACH transfers settle within 1–3 business days.
For domestic wire transfers, the sending bank uses this routing number to direct funds to VALLEY FIRST CREDIT UNION. Some institutions use a separate routing number specifically for wires — if your wire is rejected, contact the credit union to confirm whether a different number applies.
Verifying this routing number
The routing number listed here is sourced from the Federal Reserve's FedACH Participant Directory, which is updated regularly. To independently verify, you can call VALLEY FIRST CREDIT UNION at (209) 549-8500, look at the bottom-left of any check issued by the credit union, or sign in to online banking. RoutingHub is an independent reference and is not affiliated with VALLEY FIRST CREDIT UNION; we publish this information to help members and the public complete electronic transactions accurately.