Oak Valley Community Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews
To see how these rates compare to Oak Valley Community Bank CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from Oak Valley Community Bank, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with Oak Valley Community Bank CD rates. You can also compare Oak Valley Community Bank savings rates, MMA rates and mortgage rates using our other rate lists. Oak Valley Community Bank money market rates, and other rates, are continually updated to reflect market conditions, we recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Oak Valley Community Bank? Share your experience about Oak Valley Community Bank by leaving a review below, or read customer reviews before you decide to use Oak Valley Community Bank. Oak Valley Community Bank Texas Ratio Oak Valley Community Bank's Texas Ratio is at 0.00%, which is considered excellent. The Texas Ratio for Oak Valley Community Bank is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing. Overall, Oak Valley Community Bank is an excellent bank worth considering, with an overall rating of 5 stars out of 5 stars. Compare Oak Valley Community Bank Rates with Other Competitive Bank and Credit Union Rates
EagleBank
12-Month CD
4.40%
$1,000
First Security Bank of Deer Lodge
6-Month CD
4.30%
$1,000
Rising Bank
6-Month CD
4.21%
$1,000
Morgan Stanley
3-Month CD
4.21%
$1,000
America First Federal Credit Union
48-Month CD
4.20%
$500
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts. Mortgage Rates December 10, 2025Show More
The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed. Our apologies, we do not have Oak Valley Community Bank rate data right now, check back for updates, we are adding rates all the time. Oak Valley Community Bank InformationOak Valley Community Bank
125 N 3rd AveOakdale, CA 95361 Stanislaus Established Date: 05/28/1991 FDIC Certificate #: 33457 Date of FDIC Deposit Insurance: 05/28/1991 Bank Holding Company: OAK VALLEY BCORP How Many Domestic U.S. Offices? 19 How Many Branches are There? 19 Website: https://www.ovcb.com
Is Oak Valley Community Bank FDIC Insured? Yes
What is Oak Valley Community Bank's Cert number? 33457
What is the maximum amount for insured deposits? $250,000 per holder, per account
Oak Valley Community Bank FinancialsTotal Assets:
$1,805,457,000
Total Deposits:
$1,612,826,000
Equity Capital:
$166,254,000
Domestic Deposits:
$1,612,826,000
Net Income:
$5,950,000
Return on Assets:
1.7815%
Quarterly Return on Assets:
1.3000%
Pretax Return on Assets:
1.6552%
Pretax Quarterly Return on Assets:
1.6600%
Return on Equity:
24.6700%
Quarterly Return on Equity:
14.3300%
Common Equity Tier 1 Capital Ratio:
13.7202%
Tier 1 Risk-Based Capital Ratio:
13.7202%
Leverage Tier 1 (Core Capital) Ratio:
9.2373%
Total Risk-Based Capital Ratio (YTD):
14.5273%
Total Interest Income (YTD):
4.5672%
Headquarters:
Oakdale
FDIC Field Office:
Sacramento
Regulator:
FED
County:
Stanislaus
# of Offices:
19
Metropolitan Statistical Area (MSA):
Modesto, CA
Consolidated Metropolitan Statistical Area (CMSA):
OTS Region:
Western
FDIC Region:
San Francisco
Source: FDIC Last Updated 03/31/2024
Explore Other Rate Deals CD Rates: Finding decent CD rates is challenging these days, when you factor in the rate of inflation the return isn't as bad as it seems.
 Alabama Credit Union is advertising some of the best certificate of deposit rates available. Right now the best CD rate and yield offered by Alabama Credit Union is on their 7 months certificate of deposit. The current CD rate is 1.50%. The minimum opening deposit is $5,000.
Several banks and credit unions increased CD rates this week and as a result, the best 12 month CD rates are now at 2.50 percent, a multi-year high. The last time 1 year CD rates were in the 2.50 percent range, was during the financial crisis in 2008/2009.
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Today's 12-month CD rates can be found at 2.50%, 6-month CD rates at 0.95% and 3-month CD rates at 1.26%. Current savings rates are at 0.50% and money market rates are at 1.16%. Mortgage rates today on 30-year fixed loans are around 6.70%. Credit Card rates are at 14.74%. Personal Loan rates are at 13.49%. All these rates, and more, can be found in our database of rates. 
Besides Social Security many retirees rely on returns from certificates of deposit for their income. Since returns on CD rates have been dismal for almost three years that source of income has been dwindling. The current national average CD rate on a 12 month certificate of deposit is only 0.77 percent today.Three years ago you could find 
