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Referral Program

June 24 - December 31, 2024, Refer a
New Member & You'll Both Receive $80!*

Happy with the services you receive at Valley Oak? Tell your friends, family, and co-workers and we'll make it worth your while! Receive $80 for each member you refer who opens a membership account and a checking account with the following checking requirements:

  • Debit Card
  • eStatements
  • Deposit or Direct Deposit $500 within 90 days

Get started today with the referral form below

* “Existing members” of Valley Oak Credit Union can refer others to become members of Valley Oak Credit Union by visiting (“web entry”) or by filling out a Member Referral Form (“form entry”). An existing member is defined as a natural person who is a member of Valley Oak Credit Union in good standing. Existing members will earn $80 for each person that is (a) referred using either the web entry or the form entry as referenced above and that (b) becomes a NEW member of Valley Oak Credit Union by opening a NEW membership account AND a Checking Account with Debit Card, eStatements and Deposit or Direct Deposit $500 in the first 90 days. Opening an account requires an initial deposit of $25 or more. There is a $5 account opening fee. There is no limit to the number of people an existing member can refer. Any applicable Referral Bonus Deposit amounts granted will be credited to existing and new members’ membership account within 60 days of their referral completing the requirements listed above. Please consult your tax advisor as to the taxability and reporting of these bonus payments. Employees and their immediate household family members are not eligible. View Share Rates and Terms.

The accuracy of our calculators and their applicability to your circumstances are not guaranteed. You should consult with a qualified professional regarding your particular circumstances.