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Rates Effective December 1, 2021
** 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.
** Longer terms for RV and Boat loans may be available, please contact credit union for more information.
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.
*Holiday Loan available in select months only
*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.
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