Make a Payment

You can now make payments online for your Auto Loan, Personal Loan and Overdraft Lines of Credit.

Vehicle & RV Loans

If you're looking to buy a new or used vehicle, or are hoping to refinance your current auto loan, we have the rates, terms, and personalized service you need!

Credit Cards

Choose between our VISA Classic Card with a low rate of 8.49% APR* and our Secured VISA Classic Card to help build or rebuild your credit. 

Home Loans

For the first-time homebuyers, expanding family or those looking to downsize now the kids have kids of their own – Valley Oak has a home loan for you. We also have Home Equity Lines of Credit (HELOC) and Home Equity loans.

Energy Efficiency Loans

The Energy Loan Program offers an unsecured no-fee loan to pay for eligible energy efficiency and demand response projects for qualified single-family residential customers.

Personal Loans

Looking to consolidate some debt? Or maybe you're looking to build or rebuild your credit. With our Personal Loans, we can offer you a variety of lending and saving options to help your individual situation.


It's important to safeguard your money and possessions for when the unexpected may occur. Valley Oak has several protection options for your vehicles, your home and your money.

Collateral Protection Insurance

Collateral Protection Insurance pertains to a situation that occurs when your vehicle insurance changes or lapses; or your title does not name Valley Oak a lienholder during the life of a vehicle loan you have with Valley Oak Credit Union.


If you're experiencing financial distress and are potentially facing foreclosure, let Valley Oak Credit Union help.