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Valley Oak Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
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
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
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 7/12/2025
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 7/12/2025
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
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.valleyoak.org
559-561-4471
40870 Sierra Dr
Three Rivers, CA 93271

Valley Oak Credit Union is headquartered in Three Rivers and is the 163rd largest credit union in the state of California. It is also the 2,009th 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

Reviews

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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 Chartered1944
Employees19
Primary Regulator
Profit Margin
Return on Assets - YTD-0.1%
Return on Equity - YTD-1.57%
Annual Interest Income$857K
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$82.5MM$80MM
LoansQ1 2025vs Q1 2024$53MM$56.6MM
DepositsQ1 2025vs Q1 2024$76.8MM$70.8MM
Equity CapitalQ1 2025vs Q1 2024$5.3MM$5.2MM
Loan Loss AllowanceQ1 2025vs Q1 2024$337K$431K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$282K$244K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
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
APY APY = Annual Percentage Yield Rates as of 7/12/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/12/2025
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 7/12/2025
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 7/12/2025
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
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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* 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
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

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

Valley Oak Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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 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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