|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Oak Valley Community Bank Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: November 5, 2026
Oak Valley Community Bank's 6-Month CD rates are at 3.25%, 12-Month CD rates are at 3.00%, 24-Month CD rates are at 2.30%, 36-Month CD rates are at 2.02%, 3-Month CD rates are at 0.50%. Oak Valley Community Bank's savings rates are at 0.10%. Oak Valley Community Bank's money market rates are at 1.01%. Oak Valley Community Bank's checking rates are as high as 0.10%. Oak Valley Community Bank's Personal Loan Rates are as low as 15.74%. Oak Valley Community Bank's Credit Card Rates are at 14.74%. Oak Valley Community Bank's top CD rate of 3.25% APY on a 6 month CD is 16% higher than the MonitorBankRates national average of 2.81% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Oak Valley Community Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.22%. Rates last updated and verified on 11/05/2026. 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. Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends. Oak Valley Community Bank CD Rates
Oak Valley Community Bank Savings Rates
Oak Valley Community Bank Business Savings Rates
Oak Valley Community Bank Money Market Rates
Oak Valley Community Bank Checking Rates
Oak Valley Community Bank Business Checking Rates
Oak Valley Community Bank Credit Card Rates
Oak Valley Community Bank Personal Loan Rates
Oak Valley Community Bank Other Rates
Financial Health HistoryOak Valley Community Bank’s Texas Ratio rose from 0.00% in Q3 2023 to 1.22% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
Powered by
MonitorBankRates
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Oak Valley Community Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather Oak Valley Community Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Oak Valley Community Bank's official website for the most current offers and terms.
Bank Profile & Overview
Bank Name
Oak Valley Community Bank
Website
https://www.ovcb.com
Address
125 N 3rd Ave,
Oakdale, CA 95361 · Stanislaus
Bank Holding Company
OAK VALLEY BCORP
FDIC Certificate #
33457
Regulator
FED
Established
May 28, 1991
FDIC Insurance Date
May 28, 1991
Domestic Offices
20
Total Branches
20
FDIC Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.22%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
1.1058%
Return on Equity (ROE)
10.6100%
Non-Performing Loans Ratio (NPL)
0.00%
Total Assets
$2,001,344,000
Total Deposits
$1,764,388,000
Equity Capital
$215,970,000
Net Income
$11,121,000
Headquarters
Oakdale
Total Branches and Offices
20
Source: FDIC — Last Updated June 30, 2026
Customer Reviews
There are no reviews for Oak Valley Community Bank yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Oak Valley Community Bank
Frequently Asked Questions About Oak Valley Community BankDoes Oak Valley Community Bank offer CDs?Yes. Oak Valley Community Bank current CD rates include its 6-Month CD at 3.25% APY, its 12-Month CD at 3.00% APY and its 24-Month CD at 2.30% APY, verified by MonitorBankRates as of November 5, 2026. Are CDs from Oak Valley Community Bank FDIC insured?Yes. Oak Valley Community Bank is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Oak Valley Community Bank?The highest Oak Valley Community Bank CD rate is its 6-Month Certificate of Deposit at 3.25% APY, verified by MonitorBankRates as of November 5, 2026. What CD terms does Oak Valley Community Bank offer?Oak Valley Community Bank CD rates are 0.50% APY for a 3 month CD, 3.25% APY for a 6 month CD, 3.00% APY for a 12 month CD, 2.30% APY for a 2 year CD and 2.02% APY for a 3 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Oak Valley Community Bank for its full lineup. What is the highest savings rate at Oak Valley Community Bank?The highest Oak Valley Community Bank savings rate is its Business Savings at 0.10% APY, verified by MonitorBankRates as of November 5, 2026. What is the highest money market rate at Oak Valley Community Bank?The highest Oak Valley Community Bank money market rate is its Money Market at 1.01% APY, verified by MonitorBankRates as of November 5, 2026. What is the highest checking rate at Oak Valley Community Bank?The highest Oak Valley Community Bank checking rate is its Platinum Interest Checking at 0.10% APY, verified by MonitorBankRates as of November 5, 2026. What is the lowest personal loan rate at Oak Valley Community Bank?The lowest Oak Valley Community Bank personal loan rate is its Personal - Unsecured Loan at 15.00%, verified by MonitorBankRates as of November 5, 2026. What is the lowest credit card APR at Oak Valley Community Bank?The lowest Oak Valley Community Bank credit card APR is its Visa Traditional Rewards Credit Card at 14.74% APR, verified by MonitorBankRates as of November 5, 2026. How many branches does Oak Valley Community Bank operate?Oak Valley Community Bank currently maintains approximately 20 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, Oak Valley Community Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Oak Valley Community Bank provides members with tools to manage their accounts and build a solid financial history. Does Oak Valley Community Bank offer online and mobile banking?Most modern institutions like Oak Valley Community Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.ovcb.com. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Oak Valley Community Bank rates compare?Oak Valley Community Bank's top CD rate of 3.25% APY on a 6 month CD is 16% higher than the MonitorBankRates national average of 2.81% APY for that term, and it has an A+ health rating. Oak Valley Community Bank's top rates are its 6-Months 6-Month Certificate of Deposit at 3.25% APY, its Business Savings at 0.10% APY, its Money Market at 1.01% APY, its Platinum Interest Checking at 0.10% APY, its Visa Signature Rewards at 15.74% APR and its Visa Traditional Rewards Credit Card at 14.74% APR, verified by MonitorBankRates on November 5, 2026. Current Oak Valley Community Bank Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Banks
Farmers Savings Bank & Trust
State Bank of Downs
FNB of Groton
Shelby County State Bank
American Bank MT
Commercial Bank & Trust Co.
Farmers Savings Bank Fostoria, IA
Southwest Heritage Bank
Crown Bank Edina, MN
Milford Building and Loan Association
Itasca Bank & Trust Co.
Fulton Bank
Pioneer Trust Bank
Bank of Tennessee
Huntingdon Savings Bank
Bank Plus
First B&T Co. of Murphysboro
CS Bank
HomeTown Bank Galveston, TX
Nebraska State Bank
North Valley Bank Thornton, CO
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
