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COVID-19 Financial Relief

Valley Oak Credit Union is committed to being a resource for our members and community. We understand that many members may be impacted by the current public health emergency.

For our members that may suffer financial hardships due to illness or a layoff from work because of COVID-19, please reach out to Valley Oak for emergency assistance during these uncertain times. You could be eligible for a special loan product, credit card assistance and payment deferment on existing loans.

Valley Oak's Emergency Assistance includes:

  • Emergency Relief Loan - for more details, please call and speak with a loan officer
  • Payment Deferment on existing loans
  • Skip a Payment

We encourage our members to contact us as soon as possible for relief. Please don’t wait our team is standing by to help.

For emergency relief, call:

800.561.4302 or email

We Are Here For You

At this time all branches remain open. We are limiting lobby traffic to 5 members. If you would prefer to use a drive-thru, our Tulare branch has temporarily re-opened the drive thru to assist members with transactions.

Accessing Your Money

Members have access to free ATMs utilizing the CO-OP network. This network has nearly 30,000 ATMs nationwide, 9,000+ which are deposit-taking, so you are never far from your money when you need it. Click here for a map of ATMs in Visalia and Tulare.

Find a shared ATM

Managing Your Account

You account is accessible 24/7 through online banking and the mobile banking app. You can do business with us at any time, anywhere.

Contact Us

We are happy to help and know that any questions or concerns you have, we want to answer them quickly. Please note that wait times may be extended both in-person and over the phone.We are working as quickly as possible to help as many members as we can. We thank you for your patience.


From all of us here at Valley Oak Credit Union, our thoughts are with you.



Note: all emergency assistance is provided at the credit union's discretion, and is subject to change or discontinue without notice.