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Credit Cards

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.)

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 acepted 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

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. If you feel a consolidation loan would better suite your needs, please visit our Personal Loans Page.

Apply Today View Rates & Terms 

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

*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.

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:

  • 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
  • No Annual Fee

Important Information

Please read this important information about 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.

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 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.

The Valley Oak Visa Classic credit card offers rates starting at just 8.49% APR*, 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

Important Information

Please read this important information about our Visa Classic

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.

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.

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