Rates Effective January 1, 2021

Secured Auto (2012 & Newer)

Term	APR* as low as	Min. Amt.
24 Month	1.75%**	N/A
36 Month	1.75%**	N/A
48 Month¹	1.75%**	$7,500
60 Month	1.75%**	$10,000
72 Month	1.75%**	$15,000
84 Month	2.75%**	$25,000

** Rate reflects a 0.50% rate deduction with automatic payment from an established Valley Oak checking account, or a 0.25% rate deduction when enrolled in automatic payment from another financial institution. An additional 0.25 rate deduction may be taken off if member has three (3) or more qualifying services with Valley Oak. (See Loan Officer for details.) Please review the disclosures at the bottom of this page.

Secured Auto (2011 & Older)

Term	APR* as low as	Min. Amt.
24 Month	4.75%**	N/A
36 Month	4.75%**	N/A
48 Month²	4.75%**	$7,500
60 Month	4.75%**	$10,000
72 Month	4.75%**	$15,000
84 Month	5.75%**	$25,000

** Rate reflects a 0.50% rate deduction with automatic payment from an established Valley Oak checking account, or a 0.25% rate deduction when enrolled in automatic payment from another financial institution. An additional 0.25 rate deduction may be taken off if member has three (3) or more qualifying services with Valley Oak. (See Loan Officer for details.) Please review the disclosures at the bottom of this page.

Boat, Motorcycle, RV (2012 & Newer) 

Term	APR* as low as	Min. Amt.
24 Month	3.75%**	N/A
36 Month	3.75%**	N/A
48 Month³	3.75%**	$7,500
60 Month	3.75%**	$10,000
72 Month	3.75%**	$15,000
84 Month	4.75%**	$25,000

** Longer terms for RV loans may be available, please contact credit union for more information.

** Rate reflects a 0.50% rate deduction with automatic payment from an established Valley Oak checking account, or a 0.25% rate deduction when enrolled in automatic payment from another financial institution. An additional 0.25 rate deduction may be taken off if member has three (3) or more qualifying services with Valley Oak. (See Loan Officer for details.) Please review the disclosures at the bottom of this page.

Boat, Motorcycle, RV (2011 & Older) 

Term	APR* as low as	Min. Amt.
24 Month	6.75%**	N/A
36 Month	6.75%**	N/A
48 Month	6.75%**	$7,500
60 Month	6.75%**	$10,000
72 Month	6.75%**	$15,000
84 Month	7.75%**	$25,000

** Longer terms for RV loans may be available, please contact credit union for more information.

 

Personal Loans

Term	APR* as low as	Max. Amt.
24 - 60 Months	8.95%	$20,000
Tech Loan 12 Month	6.99%	$2,500
Holiday Loan 12 Month	7.95%	$4,000

Payment Example: APR = Annual Percentage Rate. Pay $20.73 per month per $1,000 borrowed at 8.95% for 60 months. Please review the disclosures at the bottom of this page.

Visa Credit Card

APR* as low as	Daily Periodic Rate	Max. Amt.
8.49%	0.023260%	$20,000

Visa Disclosure

Credit Builder Loan

Term	Pledge Amount	APR*	Min. Amt.
60 Month	100% Loan to Share	3% Above Regular Share Rate	$500

Share Secured Loan

Term	Pledge Amount	APR*	Min. Amt.
120 Month	100% Loan to Share**	3% Above Regular Share Rate	$500

Certificate Secured

APR*	Min. Amt.
3% Above Certificate Rate	$500

Overdraft Protection - Line of Credit

APR*	Daily Periodic Rate	Min. Amt.	Max. Amt.
17.00%	0.046575%	$100	$1,000

• Overdraft Protection - Line of Credit: The minimum monthly payment is $25.00: payments are due on the 10th of the month. If your payment is 10 or more days late, you will pay a late charge of $5.00.
• Returned Check Fee: On all sub-accounts, if a check or share draft is returned unpaid, you agree to pay a fee of $30.00
• Late Charges: If your payment is 10 or more days late, you will pay a late charge of 6.00% of the past due payment or $20.00, whichever is greater.
• Collection Costs: You agree to pay all costs of collecting the amount you owe under the Agreement, including court costs and reasonable attorney fees.

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Additional Rate Disclosures

• Rates are based on individual credit worthiness. Rates listed are the lowest rates available. The actual rate will be disclosed before you become obligated.
• Financing of collateralized loans based on the manufacturer's suggested retail (MSRP) and Kelley Blue Book Guide on used collateral.
• All loans and terms are subject to approval. All rates and terms are subject to change without notice.
• Ask about rate discounts available.
• Refinancing existing Valley Oak loans to get the lower rate requires a minimum of $1,000 increase in loan proceeds, or a fee of $100.00 will be assessed.

*APR = Annual Percentage Rate. Rates based on credit worthiness and is subject to change without notification. Additional terms and conditions apply. This rate includes the 0.50% deduction when enrolled in automatic payments and have three (3) or more qualifying services with Valley Oak. Contact the credit union for full disclosures.

¹ For example, 48 monthly payments of $22.25 per $1,000 borrowed.

² For example, 48 monthly payments of $23.61 per $1,000 borrowed.

³ For example, 48 monthly payments of $23.15 per $1,000 borrowed.

**For Share Secured Loan, the amount borrowed is based on your current availability of your Share balance account.