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COVID-19 Financial Relief

Valley Oak Credit Union is committed to being a resource for our members and community. We understand that many members may be impacted by the current public health emergency.

For our members that may suffer financial hardships due to illness or a layoff from work because of COVID-19, please reach out to Valley Oak for emergency assistance during these uncertain times. You could be eligible for a special loan product, credit card assistance and payment deferment on existing loans.

Latest COVID-19 Updates

Golden State Stimulus Payment (GSSP):

As you may have heard, California will provide the Golden Status Stimulus payment to families and people who qualify. This is a one-time $600 or $1,200 payment per tax return. 


When can I expect to receive my GSSP? 

The California Franchise Tax Board will issue stimulus payments monthly after eligible 2020 tax returns are processed.

  • Direct deposits: Allow up to 45 days
  • Paper checks: Allow up to 60 days

Payments are anticipated to begin mid-April 2021

We encourage all members who receive a physical check to use our Valley Oak Mobile App to deposit the check remotely.

Who will receive a payment?

How do I know a payment has been received?

How do I protect myself against fraud?

  • Do not provide your personal information through email, text, or incoming calls. Valley Oak will never contact you directly to verify your account information or security information.

For additional information about the GSSP, please visit the State of California Franchise Tax Board website

Valley Oak's Emergency Assistance includes:

  • Emergency Relief Loan - for more details, please call and speak with a loan officer
  • Payment Deferment on existing loans
  • Skip a Payment

We encourage our members to contact us as soon as possible for relief. Please don’t wait our team is standing by to help.

For emergency relief, call:
800.561.4302 or email

SBA Payment Protection Program

At this time, Valley Oak Credit Union is an approved SBA Payment Protection Program only lender. SBA is currently accepting Second Draw PPP loan applications from participating lenders.

The Paycheck Protection Program (PPP) now allows certain eligible borrowers that previously received a PPP loan to apply for a Second Draw PPP Loan with the same general loan terms as their First Draw PPP Loan. 

Learn More Apply now

We Are Here For You

Valley Oak is here for your personal and financial well-being. The health and safety of our members and staff is our top priority. In light of unfolding events with COVID-19, we ask in accordance with the State of California mandate that you wear a mask when coming in to the branch and maintain six feet of social distancing from others. If you would prefer to use a drive-thru, our Tulare branch has temporarily re-opened the drive thru to assist members with transactions.

Our Locations & Hours

All branches will answer phone calls daily, Monday thru Thursday from 9:00 a.m. to 5:00 p.m. and Friday from 9:00 a.m. to 6 p.m. Please know that due to social distancing we are experiencing a higher volume in phone traffic and your wait time may be longer than normal.

Accessing Your Money

Members have access to free ATMs utilizing the CO-OP network. This network has nearly 30,000 ATMs nationwide, 9,000+ which are deposit-taking, so you are never far from your money when you need it. Click here for a map of ATMs in Visalia and Tulare.

Find a shared ATM

Managing Your Account

You account is accessible 24/7 through online banking and the mobile banking app. You can do business with us at any time, anywhere.

Contact Us

We are happy to help and know that any questions or concerns you have, we want to answer them quickly. Please note that wait times may be extended both in-person and over the phone. We are working as quickly as possible to help as many members as we can. We thank you for your patience.

Contact Us

From all of us here at Valley Oak Credit Union, our thoughts are with you.

Note: all emergency assistance is provided at the credit union's discretion, and is subject to change or discontinue 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.