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Holiday Loans and Club Accounts


  • If you’d like a little extra money for the season, Valley Oak has you covered with Holiday Loans at 8.95% APR!* You can borrow up to $4,000 and use it however you want – on gift shopping, travel plans, and more.
  • We offer Holiday Club Accounts for those who want to see their savings grow. 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.

Apply now

You also can stop by any of our three branches to apply!

*APR is accurate as of publication date and is subject to change. APR is based on qualified credit. Depending on your credit, you may borrow up to $4,000 for a maximum 12-month term. Some restrictions may apply. Offer expires January 31, 2020.

**APY = Annual Percentage Yield. APY is fixed but is subject to change at the sole discretion of Valley Oak Credit Union. Account must stay open through October 31, 2020, to receive dividends and see money dispersed to your checking or savings account. Minimum deposit may apply. $15 early closure fee applies. If you close your Holiday Club early, you may not open one again until November 1. Federally Insured by NCUA.

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