Credit Cards

VISA Classic

The Valley Oak VISA Classic credit card offers rates starting at just 8.49% APR*, and credit limits up to $20,000 and comes with many great benefits:

  • No annual fee
  • Worldwide acceptance
  • No interest accrued on purchases if paid in full within 25 days of the statement date
  • A low 2% transaction fee on cash advances**
  • No Balance Transfer Fee
  • Automatic payment options available
  • Option to pay the balance all at once or in monthly installments
  • Travel assistance services
  • Travel accident insurance
  • Worldwide emergency card replacement
  • Auto rental insurance, click here for more information
  • Auto rental collision damage waiver
  • Card verification value; fraud protection
     

Apply Now  VISA Disclosure

Secured VISA Classic

Our Secured VISA Classic credit card is a great way to build or rebuild your credit history by using your savings as collateral. Your VISA limit will be determined by the amount you offer as collateral in your account. The funds in your savings will continue to earn interest. Your Secured Classic VISA has no annual fee and many of the same benefits of our VISA Classic card.

Both Cards Feature

  • Annual Percentage Rate (APR) for Purchases, Balance Transfers & Cash advances
    8.49% - 19.90% Fixed – based on approval of credit
  • Foreign Currency Fee up to 1%
  • A low 2% transaction fee on cash advances**
  • No Balance Transfer Fee
  • Late Payment Fee $10
  • Returned Payment Fee $30
  • We use a method called ‘Average daily balance’ (including new purchases). An explanation of this method is provided in your account agreement.

Important Information
Please read this important information about our VISA Classic and our Secured Classic VISA.

Payment Protection
In the event of disability, involuntary unemployment, or death, Payment Protection can make payments on your credit card, up to the agreement maximum. We are pleased to offer this protection whenever you obtain a credit card or any other loan with us.

Lost or Stolen VISA
During business hours, call us at 559.561.4473 or 800.561.4302. If it’s after hours, locate your account number and call 800.543.5073 to block use of the card. A lost/stolen worksheet will be sent to you for your signature. Once we receive your signature we will be able to reissue you a new card(s).

After Hours VISA Fraud Hotline Numbers

  • VISA Credit Cards:
    • 800.543.5073 (calling from within the U.S.)
    • 800.237.6211 (calling from outside the U.S.)
  • VISA Debit Cards:
    • 800.472.3272 (calling from within the U.S. or from outside the U.S.)

Card Activation Numbers

  • Credit Cards
    • 800.543.5073
  • Debit Cards
    • 866.333.9337

*APR=Annual Percentage Rate. Rates and terms are subject to change without notice and based on approved credit. Depending on credit worthiness, Classic VISA rates range from 8.49% -19.90% APR.

** No cash advance fee is charged if the balance transfer is completed by using an authorized Valley Oak Credit Union credit card. Balance transfers are not valid for payment of Valley Oak Credit Union loans or Valley Oak Credit Union VISA card balances.