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Loan Rates

Rates Effective December 1, 2019

Secured Auto (2010 & Newer)
Term APR* as low as Min. Amt.
24 Month 3.25%** N/A
36 Month 3.25%** N/A
48 Month¹ 3.25%** $7,500
60 Month 3.25%** $10,000
66 Month 3.25%** $12,500
72 Month 3.50%** $15,000
84 Month 4.50%** $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 (2009 & Older)
Term APR* as low as Min. Amt.
24 Month 6.25%** N/A
36 Month 6.25%** N/A
48 Month² 6.25%** $7,500
60 Month 6.25%** $10,000
72 Month 6.50%** $15,000
84 Month 7.50%** $25,000

**This rate includes the 0.50% deduction when enrolled in automatic payments and a 0.25% deduction with an established Premium Checking Account. Please review the disclosures at the bottom of this page.

Boat, Motorcycle, RV (2010 & Newer)
Term APR* as low as Min. Amt.
24 Month 5.25%** N/A
36 Month 5.25%** N/A
48 Month³ 5.25%** $7,500
60 Month 5.25%** $10,000
72 Month 5.50%** $15,000
84 Month 6.50%** $25,000

**This rate includes the 0.50% deduction when enrolled in automatic payments and a 0.25% deduction with an established Premium Checking Account. Please review the disclosures at the bottom of this page.

Boat, Motorcycle, RV (2009 & Older)
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 Month 8.25%** $10,000
72 Month 8.50%** $15,000
84 Month 9.50%** $25,000

**This rate includes the 0.50% deduction when enrolled in automatic payments and a 0.25% deduction with an established Premium Checking Account. Please review the disclosures at the bottom of this page.

Personal Loan
Term APR* as low as Max. Amt.
24 Month 8.95% $20,000
36 Month 8.95% $20,000
48 Month 8.95% $20,000
60 Month 8.95% $20,000

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 Line of Credit
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 150% 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.

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. Contact the credit union for full disclosures.
  • 1 For example, 48 monthly payments of $22.13 per $1,000 borrowed.
  • 2 For example, 48 monthly payments of $23.49 per $1,000 borrowed.
  • 3 For example, 48 monthly payments of $23.03 per $1,000 borrowed.
  • **For Share Secured Loan, the amount borrowed is based on your current availability of your Share balance account.