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iAdvertiser Disclosure
Advertiser Disclosure
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 Valley Oak Credit Union Rates & Review April 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: April 8, 2026
Valley Oak Credit Union's 12 Month CD rates are at 3.35%, 12 Month CDs rates are at 3.35%, 15 Month CD rates are at 3.35%, 15 Month CDs rates are at 3.35%, 18 Month CD rates are at 3.35%. Valley Oak Credit Union's savings rates are at 0.05%. Valley Oak Credit Union's money market rates are at 0.10%. Valley Oak Credit Union's Personal Loan Rates are at 9.95%. MonitorBankRates evaluates the financial stability of Valley Oak Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 5.79%. Rates were last updated on 04/08/2026. Valley Oak Credit Union 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 Valley Oak Credit Union? Share your experience about Valley Oak Credit Union by leaving a review below, or read customer reviews before you decide to use Valley Oak Credit Union. Valley Oak Credit Union
Three Rivers Corporate 40870 Sierra Dr
https://www.valleyoak.org Three Rivers, CA 93271 9696 
Valley Oak Credit Union CD Rates
Valley Oak Credit Union Savings Rates
Valley Oak Credit Union Money Market Rates
Valley Oak Credit Union Checking Rates
Valley Oak Credit Union Home Equity & HELOC
Valley Oak Credit Union Auto Loan Rates
Valley Oak Credit Union Credit Card Rates
Valley Oak Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Valley Oak Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member 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 credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Valley Oak Credit Union 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 Valley Oak Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Valley Oak Credit Union
Website
https://www.valleyoak.org
Address
40870 Sierra Dr,
Three Rivers, CA 93271 9696
Phone
559-561-1420
Fax
559-561-3170
President
Sandra Stryd
CEO
Alan Cortum
Full-Time Employees
20
Part-Time Employees
0
Branch Locations
4
ATM Locations
3
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (97/100)
Texas Ratio
5.79%
Return on Assets (ROA)
0.1616%
Return on Equity (ROE)
2.3224%
Non-Performing Loans Ratio (NPL)
0.64%
Total Assets
81,758,149
Total Amount of Shares and Deposits
75,786,692
Total Shares and Deposits < 1 Year
72,938,803
Total Shares and Deposits 1 3 Years
2,327,007
Total Shares and Deposits > 3 Years
520,882
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,191,354
Total Uninsured Shares and Deposits > $250K (F+J)
1,191,354
Total Insured Shares and Deposits > $250K (item 17 less item K)
74,595,338
Total Interest Expense (Sum of items 6 8)
583,942
Share Certificates
562
Number of Accounts for Share Drafts
3,687
Number of Accounts for Regular Shares
7,552
Money Market Shares
350
Net Income (unless the amount is already included in Undivided Earnings)
132,133
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
9,524,854
Total Liabilities
76,309,927
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Valley Oak Credit UnionIs Valley Oak Credit Union a safe place to deposit money?Yes, Valley Oak Credit Union is considered a safe financial institution. With a Texas Ratio of 5.7943544467858%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Valley Oak Credit Union operate?Valley Oak Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Valley Oak Credit Union?Yes, to access services at Valley Oak Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Valley Oak Credit Union 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, Valley Oak Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Valley Oak Credit Union offer online and mobile banking?Most modern institutions like Valley Oak Credit Union 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.valleyoak.org. Current Valley Oak Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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