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Oak Valley Community Bank


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/6/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/6/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/6/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/6/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/6/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/6/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.ovcb.com
866-844-7500
125 North Third Avenue
Oakdale, CA 95361

Oak Valley Community Bank is headquartered in OAKDALE and is the 43rd largest bank in the state of California. It is also the 608th largest bank in the nation. It was established in 1991 and as of March of 2025, it had grown to 225 employees at 19 locations. Oak Valley Community Bank's CD rates are 3X the national average, and it boasts an A+ health rating.

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Health
A+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #33457
Year Established1991
Employees225
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.15%
Return on Equity - YTD12.02%
Annual Interest Income$21.2MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$1.92B$1.81B
LoansQ1 2025vs Q1 2024$1.08B$1.03B
DepositsQ1 2025vs Q1 2024$1.71B$1.61B
Equity CapitalQ1 2025vs Q1 2024$183.1MM$166.3MM
Loan Loss AllowanceQ1 2025vs Q1 2024$11.4MM$10.9MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$0$0
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/6/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/6/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/6/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/6/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/6/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/6/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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Always verify rates and promotions with the bank or credit union. We are not Oak Valley Community Bank; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Oak Valley Community Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%*$10k*-Business Savings
OTHER TIERS: 0.05% → $0 - $10k
0.10%$500-HSA Liquidity
0.10%$500-Business HSA Liquidity
0.10%*$10k*-Savings Account
OTHER TIERS: 0.05% → $0 - $10k
0.05%$500-HSA Checking
0.05%$500-HSA Savings
0.05%$500-Business HSA Checking
0.05%$500-Business HSA Savings

Oak Valley Community Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.01%*$100k*-Money Market
OTHER TIERS: 0.05% → $0 - $10k | 0.15% → $10k - $25k | 0.25% → $25k - $50k | 0.50% → $50k - $100k
1.01%*$100k*-Business Money Market
OTHER TIERS: 0.05% → $0 - $10k | 0.15% → $10k - $25k | 0.25% → $25k - $50k | 0.50% → $50k - $100k

Oak Valley Community Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%*$2.5k*-Platinum Interest Checking
OTHER TIERS: 0.05% → $0 - $2.5k
0.05%$0-Interest Business Checking
0.05%$0-Direct Interest
0.05%$0-50+ Interest Checking

Oak Valley Community Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.77%$2.5k-6 Month CD
3.05%$2.5k-12 Month CD
2.53%$2.5k-24 Month CD
2.02%$2.5k-36 Month CD
0.50%$2.5k-3 Month CD

Oak Valley Community Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.77%$100-6 Month IRA
3.05%$100-12 Month IRA
2.53%$100-24 Month IRA
Locations

Availability

Sacramento Area

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