Brighten your holidays with a holiday loan! Holiday loan 8.95%APR*.
Holiday club account 0.15%APY* fixed rate. *Click anywhere for more details. *APY=Annual Percentage Yield
We are rooted in your employment!Come join our team. Click anywhere to learn more.
Take advantage of members-only discounts from our credit union partners. Love my credit union rewards. Turbotax, ADT, Sprint, Love to shop. Click for details
Spread some holiday cheer. Donate new, unopened toys for Toys for Tots. Drop off at any branch by Friday December 14.

Online Banking

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What's Happening

Holiday Closing

Holiday Closing

Valley Oak will be closed on Thursday, November 22 and Friday, November 23 for Thanksgiving. We are wishing you a Happy Thanksgiving and hope you can share this time with family and friends!

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!

Mobile Banking Feature: Manage My Cards

Mobile Banking Feature: Manage My Cards

Check out the new mobile banking feature on your mobile phone today. Safely lock your debit card from your phone.

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Current Rates

Loan Rates as low as
Auto 2.75% 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