Consumer Loans

Valley Oak Credit Union has a variety of loans to fit your needs at competitive rates, from share secured loans to lines of credit.

Personal loans have a low interest rate with a $500 minimum and a $10,000 maximum. These loans do not require collateral.

Share secured loans have a very low interest rate and you can have the money in your hands in minutes. Since the balance in your regular shares account secures the loan, the loan process is very quick. The minimum loan request for a share secured loan is $500.

Certificate secured loans are very much like the share secured loans. The security is the funds in your certificate. The minimum loan request for a certificate secured loan is $500.

Automobile Loans

Valley Oak Credit Union offers its members excellent rates on both New and Used auto loans with 100% financing available. Valley Oak now offers financing at participating auto dealerships and get a response to your loan request in minutes. This is offered thru Credit Union Direct Lending (CUDL). Click on the link below to get to CUDL.

Home Equity Loans

Whether you want to remodel your home, finance an education, purchase a new car, or even plan a vacation or wedding, your home may provide the necessary equity for a Home Equity loan. Because they are secured by your home, you're likely to get lower interest rates and better terms than with other consumer loans.

Valley Oak Credit Union offers Home Equity Lines of Credit. We also offer Variable Rate equity loans. The interest you pay on your equity loans may be up to 100% tax deductible. Check with your tax advisor regarding the deductibility of interest.

'The credit union makes such loans without regard to race, color, religion, national origin, sex, handicap, or familial status.'