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75th Anniversary

75 Reasons to Love Valley Oak Credit Union

We are celebrating our 75th year as Valley Oak Credit Union this year. First, and foremost, we are here for our members. There is strength in numbers and the larger we grow, the more benefits we can pass on to our membership in the form of lower rates, advanced technologies, and more products.

As Valley Oak reflects fondly on the past 75 years, we have collected a list of the top 75 reasons why you would love banking with us! We strive to provide the best possible products, services, staff, and technologies to fulfill all the financial needs our members may have.

Thank you for being a valued member-owner of Valley Oak Credit Union!

1. Federally insured by NCUA.
2. Online Financial knowledge with our Financial Education Center. These short, interactive learning experiences will help prepare you with the skills to manage your finances and plan for the future.
3. eStatements for a safer, faster delivery. Signing up for eStatements helps you and the environment by using less paper. Go green today!
4. ezCard Services – make online payments, view statements, review current activity and have the ability to initiate a dispute!
5. BillPay system – Convenience at your fingertips! Pay all your bills from one location.
*Fee may applies
6. Mobile Deposit - Simply snap a picture of your check, review the deposit amount and click deposit. It’s secure, simple, and efficient!
7. Easy account transfers online, mobile, by phone, and in person. You have access to your money anytime, anywhere!
8. TruStage Insurance provides members with products and programs to help protect what matters most.
9. Co-Op ATM Network provides members with thousands of convenient ATM locations all across the nation.
10. Products and services that meet and exceed member expectations. Valley Oak is continuously evaluating our products, services, and technologies to provide our valued members with the best options to fill their needs.
11. Powerful mobile app! Our mobile app is Apple and Android compatible putting access to your money in the palm of your hand.
12. Annual participation in Miracle Jeans Day to support local children’s hospitals.
13. Financial calculators to help members fine tune their savings, loans, mortgage, and retirement plans.
14. Amazing California branches in Three Rivers, Visalia, and Tulare.
15. A variety of checking accounts to fit your needs: e-Checking, Premium Plus, Privilege, and Second Chance.
16. Unique savings accounts for your future including Regular Share Savings and Junior Shares.
17. A variety of Share Certificates to make your money earn for you.
18. Valley Oak Visa Debit Card for everyday convenience. Like having the CU in your pocket 24/7.
19. Holiday Club Account to make saving for the holidays easier on your wallet and your life.
20. Annual Toys for Tots collection site!
21. Overdraft protection because accidents happen. Running a little low on funds in your Valley Oak checking account? Don't despair; we've got you covered. Overdraft Protection and Courtesy Pay will both avoid insufficient checking balances and prevent your checks from being returned due to non-sufficient funds (NSF).
22. Valley Oak hosts several blood drives each year, right at our branch!
23. With our Vacation Club Account, your next vacay is closer than you think!
24. Cultural diversity is important to us – check our Español webpage 
25. Our Energy Loan Program offers an unsecured no-fee loan to pay for eligible energy efficiency and demand response projects for qualified single-family residential customers in Tulare and Madera Counties.
26. Pay online the easier way with VISA Checkout and your Valley Oak VISA.
27. Active involvement with the local community and Chamber of Commerce.
28. Get Away Today® Disney® Vacation packages available for members!
29. Home Equity Line-of-Credit Loans for the amount you need, when you need it. * *With approved credit.
30. Advanced, informative, and interactive website bringing you all the products, services, news, and updates directly to you.
31. Partnership with Love My Credit Union Rewards to bring you member-exclusive discounts on home security, cellphone plans, online retailers and much more!
32. Informative quarterly newsletter available for all members!
33. You can have direct access to your Valley Oak accounts with just one phone call! CU*Talk, our telephone banking service makes taking care of your credit union business faster, easier and safer!
34. Vehicle researching and buying resources including Direct Auto Sales & Lease which offers a great service to Valley Oak members in the market for a vehicle.
35. Co-Op Shared Branching allows members to complete general account transactions at other credit unions that are a part of Shared Branching. *Full details visit our Resources tab on the website.
36. Great Auto Loan Rates! Get preapproved* to shop for your next vehicle with confidence. *With approved credit.
37. We offer a 1st Time Auto Buyer Program to make getting that first car easier and more affordable.
38. Valley Oak is signed up for Six Flags® savings! Members get benefits and discounts on theme park admission.
39. Facebook page to keep our members and others updated on our rates, promotions and charitable drives.
40. Employment! What's better than banking with Valley Oak? Working with our outstanding staff by becoming a valued employee. We are an Equal Opportunity Employer.
41. Habla Español! Bilingual staff is available!
42. Home improvement loans with great rates! With Approved Credit.
43. Valley Oak is Rooted in Your Relaxation with loans for boats, motorcycles, RVs, and more.
44. It’sMe247 Online Banking system which allows you to access your Valley Oak accounts anywhere, anytime!
45. We offer Tax Loans to help members payoff money owed for State & Federal taxes – all while building your credit score!
46. Download reports of your account activity from online banking to Quicken (QIF/QFX) compatible files.
47. Promotes and supports International Credit Union Day. We support the love of credit unions.
48. Consolidate your debt and save with Consolidation Loans and combine your higher rate debt into one lower monthly payment.
49. Financial counseling to help you achieve your financial goals.
50. Although many members contact us to get pre-approved before shopping for a car, others find themselves on a weekend at the dealership ready to buy. When that happens, Valley Oak can still provide the financing, thanks to our relationship with Credit Union Direct Lending® (CUDL).
51. Wild Water Adventure Park® discount tickets are available for all members!
52. Friendly and knowledgeable staff to make your banking easier.
53. Valley Oak Credit Union offers workout programs that are consistent with safe and sound lending practices and are in the long-term best interest of both the membership and homeowner.
54. Our GAP Protection plan will pay off the balance of your Valley Oak Auto Loan and give you $1,000 toward the purchase of a replacement car if you finance it with Valley Oak!
55. Support charitable drives for members and employees to contribute or donate to give back to our communities.
56. MEMBER’S CHOICE® Mechanical Repair Coverage can help deflect some risk of costly repairs, keeping your vehicle running extra miles and extra years. With different coverage levels and deductibles to choose, there’s a plan to fit your family’s budget.
57. Dedicated Solutions Expert who will provide expertise on how to manage your financial assets
58. An Annual Meeting you won't want to miss! And we don’t want to miss seeing you there!
59. Your auto loan rate will be reduced by 0.25% every six months as long as you make your monthly payments on time with our 1St Time Auto Buyer Program.
60. We are an Equal Housing Opportunity. We have a variety of mortgages available to fit your needs.
61. Our Energy Efficiency Loans allow up to 30% of the loan to be used to pay for other, non-energy efficiency home improvements, such as water-saving projects and remodeling.
62. The Valley Oak Credit Builder Loan is easy, flexible & nearly everyone qualifies! This loan creates an opportunity for those who are interested in building or rebuilding their credit scores.
63. It’s easy to join Valley Oak Credit Union. We’re open to any and all persons who reside in Tulare and Madera Counties. We also serve thousands of employees who work for our Select Employee Groups.
64. 100% Response Rate, Facebook Messenger! Engage with us directly from your Facebook page to ours!
65. We are Rooted in the Growth of your child’s financial well-being and offer youth savings deals every April for Credit Union Youth Month!
66. Our Auto Buying Guide will help you make the right choices when it comes to buying a vehicle!
67. Credit when you need it with the Valley Oak VISA Classic or Secured VISA Classic credit cards* with great rates. *With approved credit.
68. Direct Deposit your paycheck for peace of mind.
69. Holiday, vacation, and other special low balance loans to make life a little easier.
70. In the event of disability, involuntary unemployment, or death, we offer Payment Protection to help make payments on your credit card, up to the agreement maximum. We are pleased to offer this protection whenever you obtain a credit card or any other loan with us!
71. We are updating our website for ADA compliance. Look in the bottom right for the updated accessibility.
72. EMV (Chip) technology on the Valley Oak Visa Debit & Credit Cards for added protection.
73. Quality Member Service provided by a staff who cares.
74. A membership and asset size large enough to provide you with fantastic rates and service.
75. Our amazing 75 year history. Beginning in 1944 with a small group of individuals and growing to the premier financial institution it is today.

During the year, we’ll have special promotions as a way of saying - Thank You!  Be sure to check the  website for upcoming specials – it’s going to be a fun year!

Thank you Members!
Valley Oak Staff

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