Financial Education

Access information and gain knowledge that can help you understand your options, make smart choices, and take charge of your financial life.

Shared Branching & CO-OP ATM Network

Access your funds and make transactions from thousands of locations with the Shared Branding & CO-OP ATM Network. Where ever you are, your credit union is always nearby.

Debit vs. Credit

To eliminate surcharges when using your Valley Oak Credit Union Check Card, choose to use it as a credit card. Remember ‘Sign you save – PIN you pay.’

Home Banking/Online Bill Pay

Keep an eye on your finances and make payments easily from your computer with Home Banking. Another convenient option is paying your bills online with Valley Oak’s Online Bill Pay.

Mobile Banking

You don’t need a smartphone to take advantage of Mobile Banking. Safely access your account using a mobile web browser or downloading our Mobile Banking App.


Save time and a tree with eStatements! They're free, arrive directly to your email inbox, and provide a safe, simply, "green" way to keep track of your monthly and quarterly Valley Oak statements.

Audio Response

Gain access to your accounts all day, every day using the Valley Oak Audio Response Line.

Membership Benefits

Start taking advantage of discounts given to Valley Oak Credit Union members!


Use our calculators to determine loan amounts, plan for your retirement, and much more.