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Credit Cards

The Valley Oak Visa Classic credit card offers rates starting at just 8.49% APR*, credit limits up to $30,000, 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

Important Information

Please read this important information about our Visa Classic

Payment Protection¹

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.

Apply Today   View Rates & Terms Calculate your payment

We use a method called ‘Average daily balance’ (including new purchases). An explanation of this method is provided in your account agreement. 

*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.

¹The insurance offered is not a deposit and is not federally insured by NCUA. The insurance is not guaranteed by the credit union nor an obligation of the credit union. The insurance may lose value.

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 many of the same benefits of our Visa Classic card:

  • 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
  • No Annual Fee

Important Information

Please read this important information about our Secured Classic Visa

Payment Protection¹

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.

Apply Today  View Rates & Terms Calculate Your Loan Payment

We use a method called ‘Average daily balance’ (including new purchases). An explanation of this method is provided in your account agreement. 

*APR=Annual Percentage Rate. Rates and terms are subject to change without notice and based on approved credit. Depending on credit worthiness, Classic Visa rate 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.

¹The insurance offered is not a deposit and is not federally insured by NCUA. The insurance is not guaranteed by the credit union nor an obligation of the credit union. The insurance may lose value.

Samsung, Google and Apple Pay give you the ability to pay in-person, in-app or online without needing your physical card present and is accepted by millions of retailers. The app authenticates your purchases with your fingerprint, PIN or iris scan security features already in your smart phone. 

With contact-free payment, you get the ease of not having to locate your physical card, the safety of not having to touch a card terminal, and the security of never having to take your card out of your wallet. Insead of swiping your debit or credit card for in-store purchases, all you need to do is hold your phone close to the card terminal! 

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 Apple Pay today

Download Samsung Pay today

Download Google Pay 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.)

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.