Did you know that every single member of the Valley Oak Credit Union has a savings account? This is because membership in a credit union requires you to first open a savings account — and saving for your future is healthy.

To learn more about joining Valley Oak Credit Union, click here. You may also call us during business hours at 800.561.4302, or visit any of our branches.

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Regular Share Savings

With an initial deposit of just $25, and a daily balance of $250 or more, our Regular Savings account pays you interest compounded monthly, helping to grow your nest egg more quickly over time. The money in your savings can be used as overdraft protection for your checking account and can be deposited and withdrawn at any of our branches, as well as transferred to other Valley Oak accounts through online banking or the Audio Response Line.

We provide a monthly savings statement (we encourage you to sign up for eStatements to minimize the risk of identity theft and to save resources), and your funds are federally insured up to $250,000 by the National Credit Union Share Insurance Fund, a fund backed by the full faith and credit of the United States government.

Junior Shares

Learning to save and manage money is important. Thanks to Valley Oak's Junior Accounts, it can be fun too. It’s the perfect way to teach kids of all ages the value of saving money on a regular basis.

Statistics show that most kids today don’t learn nearly enough about effectively managing money. By starting the education process as early as possible, your children or grandchildren will be better equipped to make wise financial decisions in the future.

Our Junior Accounts are specially tailored for ages 0-17. A low opening deposit of $25 is all that is required.

Holiday and Vacation Club

  • If you want to see your savings grow, set up a Holiday Club account. You’ll earn 0.15% fixed APY on whatever amount you choose to deposit. Holiday Club Accounts make great gifts to teach kids about the value of saving or simply to show a loved one that you thought about them ahead of time.
  • Are you looking to save money for your next vacation? By opening up a Vacation Club Account, your next vacation is closer than you thought. Start today with as little as $5 to open an account and you can earn 0.15% Fixed APY


*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.