Valley Oak Credit Union

TODAY'S FEATURED RATES

Member FDIC

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

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

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

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

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

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

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.valleyoak.org

559-561-4471

40870 Sierra Dr
Three Rivers, CA 93271

Valley Oak Credit Union is headquartered in Three Rivers and is the 163^rd largest credit union in the state of California. It is also the 2,009^th largest credit union in the nation. It was established in 1944 and as of March of 2025, it had grown to 19 employees and 5,946 members at 3 locations. Valley Oak Credit Union's CD rates are 4X the national average, and it has a B+ health rating.

Field of Membership Restrictions

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

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Health

B+

Data as of Q1 2025

Learn why bank health matters

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 Chartered	1944
Employees	19
Primary Regulator

Profit Margin
Return on Assets - YTD	-0.1%
Return on Equity - YTD	-1.57%
Annual Interest Income	$857K

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$82.5MM$80MM
Loans	Q1 2025vs Q1 2024	$53MM$56.6MM
Deposits	Q1 2025vs Q1 2024	$76.8MM$70.8MM
Equity Capital	Q1 2025vs Q1 2024	$5.3MM$5.2MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$337K$431K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$282K$244K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

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

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

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

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

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

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

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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Savings
Money Market
Checking
CD

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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

APY	MIN	MAX	ACCOUNT NAME
0.15%	$25	-	Junior Share Account
0.15%	$5	-	Vacation Club
0.15%	$5	-	Holiday Club
0.05%	$250	-	Regular Share Account

Valley Oak Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.06%^*	$250k^*	-	Money Market Account
OTHER TIERS: 0.10% → $1k - $2.5k \| 0.15% → $2.5k - $10k \| 0.25% → $10k - $50k \| 0.35% → $50k - $100k \| 0.50% → $100k - $250k

Valley Oak Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	$2k	-	Premium Plus Checking Account

Valley Oak Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.90%	$1k	-	3 Month CD
3.75%	$1k	-	18 Month CD
3.65%	$1k	-	6 Month CD
3.65%	$1k	-	60 Month CD
3.55%	$1k	-	15 Month CD
3.55%	$1k	-	48 Month CD
3.50%	$1k	-	12 Month CD
3.45%	$1k	-	36 Month CD
3.35%	$1k	-	30 Month CD
3.25%	$1k	-	24 Month CD

Locations

Valley Oak Credit Union Locations
Branch Office	255 E King Ave	Tulare, CA 93274
Branch Office	40870 Sierra Dr	Three Rivers, CA 93271-9696
Branch Office	600 W Main St	Visalia, CA 93291-6148

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