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iAdvertiser Disclosure
Advertiser Disclosure
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 Valley Oak Credit Union 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: October 29, 2026
Valley Oak Credit Union's 12 Month CD rates are at 3.35%, 15 Month CD rates are at 3.35%, 18 Month CD rates are at 3.35%, 24 Month CD rates are at 3.35%, 30 Month CD rates are at 3.35%. Valley Oak Credit Union's savings rates are at 0.15%. Valley Oak Credit Union's money market rates are at 1.06%. Valley Oak Credit Union's checking rates are as high as 0.10%. Valley Oak Credit Union's Personal Loan Rates are as low as 9.95%. Valley Oak Credit Union's Credit Card Rates are at 8.49%. Valley Oak Credit Union's CD rates are 18% higher than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of Valley Oak Credit Union with a 4.9 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.93%. Rates last updated and verified on 10/29/2026. 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  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. 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 Credit Card Rates
Valley Oak Credit Union Personal Loan Rates
Valley Oak Credit Union Other Rates
Financial Health HistoryValley Oak Credit Union’s Texas Ratio rose from 2.81% in Q3 2023 to 6.93% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.9 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)
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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: NCUA 5300 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 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
Randy Jordan
CEO
Alan Cortum
Full-Time Employees
21
Part-Time Employees
0
Branch Locations
4
ATM Locations
3
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
4.9 / 5.0 ★
Overall Health & Safety Grade
A (95/100)
Texas Ratio
6.93%
Return on Assets (ROA)
-0.0151%
Return on Equity (ROE)
-0.2202%
Non-Performing Loans Ratio (NPL)
0.71%
Total Assets
82,223,457
Total Amount of Shares and Deposits
74,599,439
Total Shares and Deposits < 1 Year
71,780,696
Total Shares and Deposits 1 3 Years
2,463,271
Total Shares and Deposits > 3 Years
355,472
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,110,774
Total Uninsured Shares and Deposits > $250K (F+J)
1,110,774
Total Insured Shares and Deposits > $250K (item 17 less item K)
73,488,665
Total Interest Expense (Sum of items 6 8)
364,280
Share Certificates
557
Number of Accounts for Share Drafts
3,760
Number of Accounts for Regular Shares
7,707
Money Market Shares
343
Net Income (unless the amount is already included in Undivided Earnings)
-12,408
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Adequately Capitalized
Net Worth Classification if credit union is a new credit union
Adequately Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
1,485,368
Total Liabilities
76,752,710
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Valley Oak Credit UnionDoes Valley Oak Credit Union offer CDs?Yes. Valley Oak Credit Union current CD rates include its 12 Month CD at 3.35% APY, its 15 Month CD at 3.35% APY and its 18 Month CD at 3.35% APY, verified by MonitorBankRates as of October 29, 2026. Are CDs from Valley Oak Credit Union NCUA insured?Yes. Valley Oak Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Valley Oak Credit Union?The highest Valley Oak Credit Union CD rate is its 12 Month CD at 3.35% APY, verified by MonitorBankRates as of October 29, 2026. What CD terms does Valley Oak Credit Union offer?Valley Oak Credit Union CD rates are 3.35% APY for a 12 month CD, 3.35% APY for a 15 month CD, 3.35% APY for an 18 month CD, 3.35% APY for a 2 year CD, 3.35% APY for a 30 month CD and 3.35% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Valley Oak Credit Union for its full lineup. What is the highest savings rate at Valley Oak Credit Union?The highest Valley Oak Credit Union savings rate is its Junior Savings at 0.15% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest money market rate at Valley Oak Credit Union?The highest Valley Oak Credit Union money market rate is its Money Market at 1.06% APY, verified by MonitorBankRates as of October 29, 2026. What is the highest checking rate at Valley Oak Credit Union?The highest Valley Oak Credit Union checking rate is its Premium Plus Checking at 0.10% APY, verified by MonitorBankRates as of October 29, 2026. What is the lowest personal loan rate at Valley Oak Credit Union?The lowest Valley Oak Credit Union personal loan rate is its Personal Loans at 9.95% APR, verified by MonitorBankRates as of October 29, 2026. What is the lowest credit card APR at Valley Oak Credit Union?The lowest Valley Oak Credit Union credit card APR is its Visa Credit Card at 8.49% APR, verified by MonitorBankRates as of October 29, 2026. 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. 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. Credit unions require membership, so you may need to join first. 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 in the credit union, 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 Valley Oak Credit Union rates compare?Valley Oak Credit Union's CD rates are 18% higher than the MonitorBankRates national average, and it has an A health rating. Valley Oak Credit Union's top rates are its 12 Month CD at 3.35% APY, its Junior Savings at 0.15% APY, its Money Market at 1.06% APY, its Premium Plus Checking at 0.10% APY, its Personal Loans at 9.95% APR and its Visa Credit Card at 8.49% APR, verified by MonitorBankRates on October 29, 2026. Current Valley Oak Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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