Valley Oak Credit Union

Overview / Commentary
40870 Sierra Dr
Three Rivers, CA 93271-9696

Valley Oak Credit Union is headquartered in Three Rivers and is the 190th largest credit union in the state of California. It is also the 2,161st largest credit union in the nation. It was established in 1944 and as of June of 2021, it had grown to 21 employees and 6,297 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.
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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-0.05%
Return on Equity - YTD-0.74%
Annual Interest Income$912.00K
Assets and Liabilities
AssetsQ2 2021vs Q2 2020$70.9MM$58.4MM
LoansQ2 2021vs Q2 2020$42.0MM$35.6MM
DepositsQ2 2021vs Q2 2020$65.6MM$53.2MM
Equity CapitalQ2 2021vs Q2 2020$4.8MM$4.8MM
Loan Loss AllowanceQ2 2021vs Q2 2020$326.00K$435.00K
Unbacked Noncurrent LoansQ2 2021vs Q2 2020$76.00K$34.00K
Real Estate OwnedQ2 2021vs Q2 2020$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%$5-Vacation Club
0.15%$5-Holiday Club
0.05%$250-Regular Share Account

Valley Oak Credit Union Money Market Rates

0.05%$1k-Money Market Account

Valley Oak Credit Union Checking Account Rates

0.10%$2k-Premium Plus Checking Account

Valley Oak Credit Union CD Rates

0.65%$1k-60 Month CD
0.55%$1k-48 Month CD
0.45%$1k-36 Month CD
0.40%$1k-30 Month CD
0.35%$1k-24 Month CD
0.30%$1k-18 Month CD
0.25%$1k-15 Month CD
0.20%$1k-12 Month CD
0.15%$1k-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

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