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
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

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What's Happening

Holiday Closing

Holiday Closing

Valley Oak will be closing at 1pm on Monday, December 24 and will be closed on Tuesday, December 25. We hope you have a wonderful holiday season and enjoy your time with family and friends!

Love My Credit Union Rewards

Love My Credit Union Rewards

LOVE your savings, Valley Oak Credit Union is excited to offer you NEW Sprint exclusive discounts and benefits on products and services you use every day.

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!

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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