Skip to main content

Credit Cards

Transfer your balances today for a low rate of 2.99% APR* for 6 months¹

Feel the freedom of less debt when you consolidate your payments with a balance transfer to a Valley Oak credit card! Pay off multiple debts using a Valley Oak credit card, and give yourself the freedom of only one payment a month. To apply for a consolidation loan, go here.

apply for a credit card online 

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
  • Card verification value; fraud protection

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.

Apply For A Credit Card Online

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.

Samsung, Google, and Apple Pay!

How it Works:
Simply download the app on your mobile phone and enter your credit card information to pay without needing to swipe! To pay with Samsung, Google or Apple Pay using your credit card, hold your phone within an inch of the contactless reader. 

Members may have to contact the credit union to complete their enrollment     

Download the app today!

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.

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:
    • 888.241.2510 (calling from within the U.S.)
    • 909.941.1398 (Calling from outside the U.S.)

*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.

¹Visa Credit Card Balance Transfer Special: 2.99% APR for new and existing Valley Oak Credit Card holders all balance transfers.