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Rates

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Rates Effective July 1, 2025​

Secured NEW Auto Loans (2025)¹
Term APR* as low as Min. Amt.
24 Month 5.50%** N/A
36 Month 5.50%** N/A
48 Month 5.50%** $7,500
60 Month¹ 5.50%** $10,000
72 Month 6.00%** $15,000
84 Month 6.50%** $20,000

** Rate reflects a 0.50% rate deduction with automatic payment from an actively used Valley Oak checking account. An additional 0.25 rate deduction may be taken off if member has two (2) or more qualifying services with Valley Oak. (See Loan Officer for details.) Please review the disclosures at the bottom of this page.

Secured USED & REFINANCE Auto Loans (2022-2025)²
Term APR* as low as Min. Amt.
24 Month 6.00%** N/A
36 Month 6.00%** N/A
48 Month 6.00%** $7,500
60 Month² 6.00%** $10,000
72 Month 6.50%** $15,000
84 Month 7.00%** $20,000

** Rate reflects a 0.50% rate deduction with automatic payment from an actively used Valley Oak checking account. An additional 0.25 rate deduction may be taken off if member has two (2) or more qualifying services with Valley Oak. (See Loan Officer for details.) Please review the disclosures at the bottom of this page.

Secured USED & REFINANCE Auto Loans (2016-2021)³
Term APR* as low as Min. Amt.
24 Month 6.25%** N/A
36 Month 6.25%** N/A
48 Month 6.25%** $7,500
60 Month³ 6.25%** $10,000
72 Month 6.75%** $15,000
84 Month 7.25%** $20,000

** Rate reflects a 0.50% rate deduction with automatic payment from an actively used Valley Oak checking account. An additional 0.25 rate deduction may be taken off if member has two (2) or more qualifying services with Valley Oak. (See Loan Officer for details.) Please review the disclosures at the bottom of this page.

Secured USED & REFINANCE Auto Loans (2015 & Older)¹*
Term APR* as low as Min. Amt.
24 Month 8.50%** N/A
36 Month 8.50%** N/A
48 Month 8.50%** $7,500
60 Month¹* 8.50%** $10,000
72 Month 9.00%** $15,000
84 Month 9.50%** $20,000

** Rate reflects a 0.50% rate deduction with automatic payment from an actively used Valley Oak checking account. An additional 0.25 rate deduction may be taken off if member has two (2) or more qualifying services with Valley Oak. (See Loan Officer for details.) Please review the disclosures at the bottom of this page.

NEW Boat, Motorcycle & RV Loans (2025)²* 
Term APR* as low as Min. Amt.
24 Month 7.50%** N/A
36 Month 7.50%** N/A
48 Month 7.50%** $7,500
60 Month²* 7.50%** $10,000
72 Month 8.00%** $15,000
84 Month 8.50%** $20,000

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

** Rate reflects a 0.50% rate deduction with automatic payment from an actively used Valley Oak checking account. An additional 0.25 rate deduction may be taken off if member has two (2) or more qualifying services with Valley Oak. (See Loan Officer for details.) Please review the disclosures at the bottom of this page.

USED & REFINANCE Boat, Motorcycle & RV Loans (2022-2025)³* 
Term APR* as low as Min. Amt.
24 Month 8.00%** N/A
36 Month 8.00%** N/A
48 Month 8.00%** $7,500
60 Month³* 8.00%** $10,000
72 Month 8.50%** $15,000
84 Month 9.00%** $20,000

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

** Rate reflects a 0.50% rate deduction with automatic payment from an actively used Valley Oak checking account. An additional 0.25 rate deduction may be taken off if member has two (2) or more qualifying services with Valley Oak. (See Loan Officer for details.) Please review the disclosures at the bottom of this page.

USED & REFINANCE Boat, Motorcycle & RV Loans (2016-2021)¹** 
Term APR* as low as Min. Amt.
24 Month 8.25%** N/A
36 Month 8.25%** N/A
48 Month 8.25%** $7,500
60 Month¹** 8.25%** $10,000
72 Month 8.75%** $15,000
84 Month 9.25%** $20,000

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

** Rate reflects a 0.50% rate deduction with automatic payment from an actively used Valley Oak checking account. An additional 0.25 rate deduction may be taken off if member has two (2) or more qualifying services with Valley Oak. (See Loan Officer for details.) Please review the disclosures at the bottom of this page.

USED & REFINANCE Boat & RV Loans (2015 & Older - excludes Motorcycles)²** 
Term APR* as low as Min. Amt.
24 Month 10.50%** N/A
36 Month 10.50%** N/A
48 Month 10.50%** $7,500
60 Month²** 10.50%** $10,000
72 Month 11.00%** $15,000
84 Month 11.50%** $20,000

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

** Rate reflects a 0.50% rate deduction with automatic payment from an actively used Valley Oak checking account. An additional 0.25 rate deduction may be taken off if member has two (2) or more qualifying services with Valley Oak. (See Loan Officer for details.) Please review the disclosures at the bottom of this page.

Personal Loans
Term APR* as low as Max. Amt.
24 - 60 Months 9.95% $30,000
Tech Loan 12 Month 6.99% $2,500

* Payment Example: APR = Annual Percentage Rate. Pay $22.00 per month per $1,000 borrowed at 9.95% 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% $30,000

Visa Disclosure

Credit Builder Loan
Max Term Pledge Amount APR* Min. Amt.
60 Month 100% Loan to Share 3% Above Regular Share Rate $500
Share Secured Loan
Max 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 $1,500
  • 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.

Additional Rate Disclosures

  • Rates are based on individual credit worthiness. Rates listed are the lowest rates available. The actual rate (including the final loan-to-value (LTV) of a secured vehicle and toy loan) 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.

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*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 two (2) or more qualifying services with Valley Oak. Contact the credit union for full disclosures.

1 For example, 60 monthly payments of approximately $20.00 per $1,000 borrowed.

2 For example, 60 monthly payments of approximately $20.00 per $1,000 borrowed.

3 For example, 60 monthly payments of approximately $20.00 per $1,000 borrowed.

1* For example, 60 monthly payments of approximately $21.00 per $1,000 borrowed.

2* For example, 60 monthly payments of approximately $21.00 per $1,000 borrowed.

3* For example, 60 monthly payments of approximately $21.00 per $1,000 borrowed.

1** For example, 60 monthly payments of approximately $21.00 per $1,000 borrowed.

2** For example, 60 monthly payments of approximately $22.00 per $1,000 borrowed.

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

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.