Share 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.

Dividends declared and paid 07/31/2015

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%
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 0.10% 0.10%
Tier 2 $2,500 $9,999 0.15% 0.15%
Tier 3 $10,000 $49,999 0.20% 0.20%
Tier 4 $50,000 $99,999 0.20% 0.20%
Tier 5 $100,000 $249,999 0.20% 0.20%
Tier 6 $250,000 and up 0.20% 0.20%
Rates are subject to change monthly.
Certificates
Term Min. to Open Account Min. to Earn Dividends Dividend Rate APY*
6 Month $2,500 $2,500 0.35% 0.35%
12 Month $2,500 $2,500 0.45% 0.45%
15 Month $2,500 $2,500 0.50% 0.50%
18 Month $2,500 $2,500 0.50% 0.50%
24 Month $2,500 $2,500 0.60% 0.60%
30 Month $2,500 $2,500 0.85% 0.85%
36 Month $2,500 $2,500 0.95% 0.96%
48 Month $2,500 $2,500 1.20% 1.21%
60 Month $2,500 $2,500 1.40% 1.41%
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. Federally insured by NCUA.

**Federal Regulation D allows for a maximum of six (6) withdrawals or transfers from your savings account each month using the following methods: Checking overdraft protection, Audio Response Access, Online Access, Fax, Pre-authorized automatic ACH transfers. If you need to make more than six withdrawals or transfer in a month you can do so by mail, VOCU or Co-Op ATMs, or by vising a branch.