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Rates

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.

Rates Effective February 1, 2023

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 Open Account Min. to Earn Dividends Dividend Rate APY*
Tier 1 $1,000 $2,499 0.05% 0.05%
Tier 2 $2,500 $9,999 0.05% 0.05%
Tier 3 $10,000 $49,999 0.05% 0.05%
Tier 4 $50,000 $99,999 0.05% 0.05%
Tier 5 $100,000 $249,999 0.05% 0.05%
Tier 6 $250,000 and up 0.05% 0.05%

Rates are subject to change monthly.

Certificates
Term Min. to Open Account Min. to Earn Dividends Dividend Rate APY*
6 Month $1,000 $1,000 0.50% 0.50%
12 Month $1,000 $1,000 1.00% 1.00%
15 Month $1,000 $1,000 1.05% 1.05%
18 Month Special¹ $1,000 $1,000 3.85% 3.93%
24 Month $1,000 $1,000 1.25% 1.26%
30 Month $1,000 $1,000 1.35% 1.36%
36 Month $1,000 $1,000 1.50% 1.51%
48 Month $1,000 $1,000 1.75% 1.76%
60 Month $1,000 $1,000 2.00% 2.02%

Fixed Rate


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.

¹18-Month Certificate earning 3.93% APY. For existing members only with a membership origination date prior to 10/01/2022. Terms, conditions, and rate subject to change at the Credit Union's discretion and without notice.

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.