This holiday season, save more and plan ahead! Holiday Loan 8.95% APR* Holiday Club Account 0.15%APY*
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*APY=Annual percentage yield
Looking to make your home more energy-efficient? Energy-efficiency loan rates as low as 7.31% APR*. Click for details.
Open the door to a great mortgage.
Open the door to a great mortgage.

Home Banking

What's Happening

We're Hiring!

We're Hiring!

We are looking for an employee who will share our pride of serving our membership.

Holiday Loans and Club Accounts

Holiday Loans and Club Accounts

From now until January 31st, we would like to help you plan ahead and save money with two extra options this winter!

Call For Volunteers

Call For Volunteers

Valley Oak Credit Union is a not-for-profit financial cooperative owned by its members and guided by volunteers. We are looking for dedicated volunteers from within our membership to serve on our Board of Directors and Supervisory Committee.

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Current Rates

Loan Rates as low as
Auto 1.75% APR*
Signature 8.95% APR*
VISA Line of Credit 8.49% APR*
Share Rates as high as
Regular Shares 0.05% APY*
Money Market 0.20% APY*
Certificate 1.41% APY*

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*APR = Annual Percentage Rate
*APY = Annual Percentage Yield