Valley Oak Credit Union Rates and Review January 2026
Compare Valley Oak Credit Union CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of Valley Oak Credit Union savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates. Rate Updates and AvailabilityValley 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 CD rates or 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. Overall, Valley Oak Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs Avg
"N/A" indicates the product is not offered or the rate is unavailable. Valley Oak Credit Union Three Rivers Corporate 40870 Sierra Dr Three Rivers, CA 93271 9696  CD & Savings Rate ComparisonShow More
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 Rate ComparisonLender
Product
Rate
APR
Points
View 50 More
Credit Card Rate ComparisonReserve Rewards+ Card Visa
19.740% - 29.740%
Enjoy premium rewards and benefits, plus receive a $500 bonus.
VISA Platinum without Rewards
7.900%
Security Service Power Rewards MasterCard
18.000%
Show More
The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed. Personal Loan Rate ComparisonUnsecured Signature Loan
9.250%
$0
1 - 24
Title Loans
5.500%
$0
Personal Signature Loan
11.000%
$0
96
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The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed. Our apologies, we do not have Valley Oak Credit Union rate data right now. Credit Union Profile & OverviewCredit Union Name: Valley Oak Credit Union
Website: https://www.valleyoak.org
Full Time Employees: 20Part Time Employees: 0 President: Sandra Stryd CEO: Alan Cortum Branch Locations: 4 ATM Locations: 3 Corporate Office Address:
40870 Sierra Dr
Three Rivers, CA 93271 9696 Phone Number: 559-561-1420 Fax Number: 559-561-3170 FinancialsTotal 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
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Source: NCUA Last Updated 09/30/2025
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Frequently Asked Questions About Valley Oak Credit UnionIs a member application needed to join Valley Oak Credit Union?Yes, to access services at Valley Oak Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, Valley Oak Credit Union provides a range of mortgage and home equity products. Is Valley Oak Credit Union a safe place to deposit money?Yes, Valley Oak Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does Valley Oak Credit Union offer online and mobile banking?Most modern institutions like Valley Oak Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
12-month CD rates can be found at 2.00%, 6-month CD rates at 0.25% and 3-month CD rates at 0.55%. Savings rates are at 0.25% and money market rates are at 0.80%. Mortgage rates on 30-year fixed loans are around 5.57%. Credit Card rates are at 12.96%. Personal Loan rates are at 12.50%. All these rates, and more, can be found in our database of rates which you can compare to 
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