This Rate Schedule states rates applicable to specified accounts. This schedule is incorporated
as part of your account agreement with Valley Oak Credit Union.

Please visit your local branch or call 559.561.1420 to obtain current rate information.

Contact Us To Open Your Account Today

Rates Effective December 2, 2024

Savings & Checking

Account Type	Min. to Open Account	Min. to Earn Dividends	Dividend Rate	APY*
Regular Savings	$25	$250	0.05%	0.05%
Junior Savings	$25	$25	0.15%	0.15%
Holiday or Vacation Club	$5	$5	0.15%	0.15%
Premium Plus Checking	$50	$2,000	0.10%	0.10%

Rates are subject to change monthly.

Money Market

Tier	Min. to Earn Dividends	Dividend Rate	APY*
Tier 1	$1,000	0.10%	0.10%
Tier 2	$2,500	0.15%	0.15%
Tier 3	$10,000	0.25%	0.25%
Tier 4	$50,000	0.35%	0.35%
Tier 5	$100,000	0.50%	0.50%
Tier 6	$250,000	1.05%	1.06%

Rates are subject to change monthly.

Certificates

Term	Min. to Open Account	Min. to Earn Dividends	Dividend Rate	APY*
3 Month	$1,000	$1,000	3.83%	3.90%
6 Month	$1,000	$1,000	3.59%	3.65%
12 Month	$1,000	$1,000	3.44%	3.50%
15 Month	$1,000	$1,000	3.49%	3.55%
18 Month	$1,000	$1,000	3.69%	3.75%
24 Month	$1,000	$1,000	3.20%	3.25%
30 Month	$1,000	$1,000	3.30%	3.35%
36 Month	$1,000	$1,000	3.40%	3.45%
48 Month	$1,000	$1,000	3.49%	3.55%
60 Month	$1,000	$1,000	3.59%	3.65%

Fixed Rate

---

Contact Us To Open Your Account Today

Members are insured by the National Credit Union Administration for up to $250,000.00 per member. The annual percentage yield (APY) may change after opening. Fees could reduce earnings on the account. This is not a disclosure. Disclosures are available upon request.

Certificates will have a penalty imposed for withdrawal prior to maturity.

*APY = Annual Percentage Yield on non-term accounts may change after opening. Federally insured by NCUA.