Valley Credit Union, a division of CEFCU is a member-owned, not-for-profit financial cooperative, which returns its revenues, after operating expenses, to you, our members.

The membership shares in our success through our low interest rates on loans, above average yields on deposits, the latest delivery service technologies, and new and improved financial products and services. And once you're a member, you're always a member.

you qualify for membership if you fall within one of the following categories.

• You reside, regularly work or regularly worship in Santa Clara, Contra Costa or Alameda counties.

• All immediate family members of current Valley Credit Union members are eligible to join. Immediate family members include a spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, stepsiblings or adoptive relationship. Members of a Valley Credit Union member household are also eligible to join.

• An employee of one of our Select Employee Groups (SEGs). Call us to see if you are eligible for membership through your employer.

Note: Once you become a member of Valley Credit Union, your membership will continue regardless of employment changes or if you move out of the area.

• An employee of any company belonging to the San Jose, Campbell, Sunnyvale, Morgan Hill, Santa Clara, Gilroy, Cupertino, Milpitas, or Oakland Chambers of Commerce in California are all eligible to join the credit union.

• Alumni of West Valley or Mission Community College are all eligible to join the credit union.

Here is what you need to join Valley Credit Union.