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  2. Valley Oak Credit Union

Valley Oak Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.41%5-year CD60 Month CD
1.85% - Synchrony Bank 60 Month CDAdvertisement
0.50%1-year CD12 Month CD
1.05% - Ally Bank High Yield 12-Month CDAdvertisement
0.05%SavingsRegular Share Account
1.00% - Ally Bank Online Savings AccountAdvertisement
View all Valley Oak Credit Union rates »

Overview / Commentary
www.valleyoak.org
559-561-1420
40870 Sierra Dr
Three Rivers, CA 93271-9696

Valley Oak Credit Union is headquartered in Three Rivers and is the 199th largest credit union in the state of California. It is also the 2,285th largest credit union in the nation. It was established in 1944 and as of June of 2016, it had grown to 27 employees and 7,007 members at 3 locations. Valley Oak Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, attend school or worship in Tulare or Madera Counties. Membership is also open to federal, USPS employees or military personnel in Tulare, Fresno, Kings and Madera Counties and other select employee groups.
See current membership details

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Health
B+

Data as of Q2 2016

Learn more about bank health
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Valley Oak Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #64122
Year Chartered1944
Employees27
Primary Regulator
Profit Margin
Return on Assets - YTD0.41%
Return on Equity - YTD4.09%
Annual Interest Income$1.2MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$51.1MM$49.3MM
LoansQ2 2016vs Q2 2015$40.5MM$33.9MM
DepositsQ2 2016vs Q2 2015$45.8MM$44.2MM
Equity CapitalQ2 2016vs Q2 2015$5.1MM$4.9MM
Loan Loss AllowanceQ2 2016vs Q2 2015$437.00K$430.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$243.00K$165.00K
Real Estate OwnedQ2 2016vs Q2 2015$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Valley Oak Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%$25-Junior Share Account
0.15%--Vacation Club
0.05%$250-Regular Share Account

Valley Oak Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*$10k*-Money Market 18 Account
OTHER TIERS: 0.10% → $1k - $2,500 | 0.15% → $2,500 - $10k

Valley Oak Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$2k-Premium Plus Checking Account

Valley Oak Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.41%$2,500-60 Month CD
1.21%$2,500-48 Month CD
1.00%$2,500-30 Month CD
0.96%$2,500-36 Month CD
0.90%$2,500-24 Month CD
0.80%$2,500-18 Month CD
0.65%$2,500-15 Month CD
0.50%$2,500-12 Month CD
0.35%$2,500-6 Month CD
Locations


Valley Oak Credit Union Locations
Branch Office255 E King AveTulare, CA 93274
Branch Office40870 Sierra DrThree Rivers, CA 93271-9696
Branch Office600 W Main StVisalia, CA 93291-6148