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Overview / Commentary
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 2,313th largest credit union in the nation. It was established in 1944 and as of December of 2016, it had grown to 27 employees and 7,063 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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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

NCUA #64122
Year Chartered1944
Primary Regulator
Profit Margin
Return on Assets - YTD-0.07%
Return on Equity - YTD-0.68%
Annual Interest Income$2.4MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$50.8MM$49.7MM
LoansQ4 2016vs Q4 2015$39.7MM$37.1MM
DepositsQ4 2016vs Q4 2015$45.6MM$44.5MM
Equity CapitalQ4 2016vs Q4 2015$5.0MM$5.0MM
Loan Loss AllowanceQ4 2016vs Q4 2015$565.00K$459.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$399.00K$233.00K
Real Estate OwnedQ4 2016vs Q4 2015$0$0
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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

0.15%$25-Junior Share Account
0.15%--Vacation Club
0.15%--Holiday Club
0.05%$250-Regular Share Account

Valley Oak Credit Union Money Market Rates

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

0.10%$2k-Premium Plus Checking Account

Valley Oak Credit Union CD Rates

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

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