2. Valley Oak Credit Union

Valley Oak Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEHOW THEY COMPARE
1.66%5-year CD
3.10% - Barclays 60 Month Online CDAdvertisement
0.65%1-year CD
2.75% - Barclays 12 Month Online CDAdvertisement
0.05%Savings
0.27% - National Average
View all Valley Oak Credit Union rates »

Overview / Commentary
www.valleyoak.org
559-561-4471
40870 Sierra Dr
Three Rivers, CA 93271-9696

Valley Oak Credit Union is headquartered in Three Rivers and is the 193rd largest credit union in the state of California. It is also the 2,297th largest credit union in the nation. It was established in 1944 and as of December of 2018, it had grown to 25 employees and 6,741 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 Q4 2018

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 Chartered1944
Employees25
Primary Regulator
Profit Margin
Return on Assets - YTD0.19%
Return on Equity - YTD2%
Annual Interest Income$2.3MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$51.2MM$52.4MM
LoansQ4 2018vs Q4 2017$41.8MM$41.3MM
DepositsQ4 2018vs Q4 2017$46.7MM$47.1MM
Equity CapitalQ4 2018vs Q4 2017$4.8MM$4.7MM
Loan Loss AllowanceQ4 2018vs Q4 2017$583.00K$586.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$465.00K$347.00K
Real Estate OwnedQ4 2018vs Q4 2017$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%$5-Vacation Club
0.15%$5-Holiday Club
0.05%$250-Regular Share Account

Valley Oak Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*$10k*-Money Market Account
OTHER TIERS: 0.10% → $1k - $2.5k | 0.15% → $2.5k - $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
1.66%$2.5k-60 Month CD
1.46%$2.5k-48 Month CD
1.36%$2.5k-36 Month CD
1.26%$2.5k-30 Month CD
1.16%$2.5k-24 Month CD
1.05%$2.5k-18 Month CD
0.65%$2.5k-12 Month CD
0.65%$2.5k-15 Month CD
0.45%$2.5k-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

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