Love My Credit Union

LOVE your savings, Valley Oak Credit Union is excited to offer you exclusive discounts and benefits on products and services you use every day.


Access your account all day, every day by calling the Valley Oak CU*Talk line.


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

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.’

Overdraft Options

Running a little low on funds in your Valley Oak checking account? Don't despair; we've got you covered.

Visa Checkout

Pay online the easier way with Visa Checkout and your Valley Oak Credit Union Visa card. Enroll today.


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.


If you're experiencing financial distress and are potentially facing foreclosure, let Valley Oak Credit Union help.

Online Banking/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 Bill Pay.

TruStage Insurance Program

Insurance protection is part of a solid financial plan. From getting a good rate on coverage for your car to making sure your life insurance is adequate, dependable insurance coverage ensures financial relief when you need it.

Membership Benefits

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

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.

Shared Branching & CO-OP ATM Network

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