Valley Oak Credit Union

Three Rivers, California

Last verified: August 4, 2026

Work at Valley Oak Credit Union? Claim this profile →

Verified rate book

Current Valley Oak Credit Union rates

56 published offers verified as of August 4, 2026.

How we verify rates

Mortgage rates

4 offers

Valley Oak Credit Union mortgage rates as of August 4, 2026
Product	Published	Rate	Term / condition	Status
Min./Floor Rate:other	5.750% APR	5.750%	—	Standard
Variable Interest Rate:other	6.750% APR	6.750%	—	Standard
Index:other	8.500% APR	8.500%	—	Standard
Max./Cap Rate:other	12.000% APR	12.000%	—	Standard

Auto & vehicle rates

36 offers

Valley Oak Credit Union auto & vehicle rates as of August 4, 2026
Product	Published	Rate	Term / condition	Status
Secured NEW Auto Loans (2023 + Newer) (48 Month)auto_new_48mo	4.500% APR	4.500%	48 mo · new	Standard
Secured NEW Auto Loans (2023 + Newer) (60 Month)auto_new_60mo	4.500% APR	4.500%	60 mo · new	Standard
Secured NEW Auto Loans (2023 + Newer) (24 Month)auto_new_24mo	4.500% APR	4.500%	24 mo · new	Standard
Secured NEW Auto Loans (2023 + Newer) (36 Month)auto_new_36mo	4.500% APR	4.500%	36 mo · new	Standard
Secured NEW Auto Loans (2023 + Newer) (72 Month)auto_new_72mo	5.000% APR	5.000%	72 mo · new	Standard
Secured USED & REFINANCE Auto Loans (2017-2022) (36 Month)auto_used_36mo	5.000% APR	5.000%	36 mo · used	Standard
Secured USED & REFINANCE Auto Loans (2017-2022) (48 Month)auto_used_48mo	5.000% APR	5.000%	48 mo · used	Standard
Secured USED & REFINANCE Auto Loans (2017-2022) (60 Month)auto_used_60mo	5.000% APR	5.000%	60 mo · used	Standard
Secured USED & REFINANCE Auto Loans (2017-2022) (24 Month)auto_used_24mo	5.000% APR	5.000%	24 mo · used	Standard
Secured USED & REFINANCE Auto Loans (2017-2022) (72 Month)auto_used_72mo	5.500% APR	5.500%	72 mo · used	Standard
Secured NEW Auto Loans (2023 + Newer) (84 Month)auto_new_84mo	5.500% APR	5.500%	84 mo · new	Standard
Secured USED & REFINANCE Auto Loans (2017-2022) (84 Month)auto_used_84mo	6.000% APR	6.000%	84 mo · used	Standard
*Secured USED & REFINANCE Auto Loans (2016 & Older) (48 Month)**auto_used_48mo	7.500% APR	7.500%	48 mo · used	Standard
*Secured USED & REFINANCE Auto Loans (2016 & Older) (24 Month)**auto_used_24mo	7.500% APR	7.500%	24 mo · used	Standard
*Secured USED & REFINANCE Auto Loans (2016 & Older) (36 Month)**auto_used_36mo	7.500% APR	7.500%	36 mo · used	Standard
*Secured USED & REFINANCE Auto Loans (2016 & Older) (60 Month )*auto_used_60mo	7.500% APR	7.500%	60 mo · used	Standard
*NEW Boat, Motorcycle & RV Loans (2025 + Newer) (24 Month)**boat_new_24mo	7.500% APR	7.500%	24 mo · new	Standard
*NEW Boat, Motorcycle & RV Loans (2025 + Newer) (36 Month)**boat_new_36mo	7.500% APR	7.500%	36 mo · new	Standard
*NEW Boat, Motorcycle & RV Loans (2025 + Newer) (48 Month)**boat_new_48mo	7.500% APR	7.500%	48 mo · new	Standard
*NEW Boat, Motorcycle & RV Loans (2025 + Newer) (60 Month )*boat_new_60mo	7.500% APR	7.500%	60 mo · new	Standard
*USED & REFINANCE Boat, Motorcycle & RV Loans (2017-2022) (36 Month)**boat_used_36mo	8.000% APR	8.000%	36 mo · used	Standard
*NEW Boat, Motorcycle & RV Loans (2025 + Newer) (72 Month)**boat_new_72mo	8.000% APR	8.000%	72 mo · new	Standard
*USED & REFINANCE Boat, Motorcycle & RV Loans (2017-2022) (60 Month )*boat_used_60mo	8.000% APR	8.000%	60 mo · used	Standard
*Secured USED & REFINANCE Auto Loans (2016 & Older) (72 Month)**auto_used_72mo	8.000% APR	8.000%	72 mo · used	Standard
*USED & REFINANCE Boat, Motorcycle & RV Loans (2017-2022) (24 Month)**boat_used_24mo	8.000% APR	8.000%	24 mo · used	Standard
*USED & REFINANCE Boat, Motorcycle & RV Loans (2017-2022) (48 Month)**boat_used_48mo	8.000% APR	8.000%	48 mo · used	Standard
*NEW Boat, Motorcycle & RV Loans (2025 + Newer) (84 Month)**boat_new_84mo	8.500% APR	8.500%	84 mo · new	Standard
*USED & REFINANCE Boat, Motorcycle & RV Loans (2017-2022) (72 Month)**boat_used_72mo	8.500% APR	8.500%	72 mo · used	Standard
*Secured USED & REFINANCE Auto Loans (2016 & Older) (84 Month)**auto_used_84mo	8.500% APR	8.500%	84 mo · used	Standard
*USED & REFINANCE Boat, Motorcycle & RV Loans (2017-2022) (84 Month)**boat_used_84mo	9.000% APR	9.000%	84 mo · used	Standard
USED & REFINANCE Boat & RV Loans (2016 & Older - excludes Motorcycles) (48 Month)**boat_used_48mo	10.500% APR	10.500%	48 mo · used	Standard
USED & REFINANCE Boat & RV Loans (2016 & Older - excludes Motorcycles) (60 Month )boat_used_60mo	10.500% APR	10.500%	60 mo · used	Standard
USED & REFINANCE Boat & RV Loans (2016 & Older - excludes Motorcycles) (36 Month)**boat_used_36mo	10.500% APR	10.500%	36 mo · used	Standard
USED & REFINANCE Boat & RV Loans (2016 & Older - excludes Motorcycles) (24 Month)**boat_used_24mo	10.500% APR	10.500%	24 mo · used	Standard
USED & REFINANCE Boat & RV Loans (2016 & Older - excludes Motorcycles) (72 Month)**boat_used_72mo	11.000% APR	11.000%	72 mo · used	Standard
USED & REFINANCE Boat & RV Loans (2016 & Older - excludes Motorcycles) (84 Month)**boat_used_84mo	11.500% APR	11.500%	84 mo · used	Standard

HELOC rates

4 offers

Valley Oak Credit Union heloc rates as of August 4, 2026
Product	Published	Rate	Term / condition	Status
Variable Rate HELOC Loans (Min./Floor Rate:)heloc_variable	5.750% APR	5.750%	—	Standard
Variable Rate HELOC Loans (Variable Interest Rate:)heloc_variable	6.750% APR	6.750%	—	Standard
Variable Rate HELOC Loans (Index:)heloc_variable	8.500% APR	8.500%	—	Standard
Variable Rate HELOC Loans (Max./Cap Rate:)heloc_variable	12.000% APR	12.000%	—	Standard

Personal loan rates

2 offers

Valley Oak Credit Union personal loan rates as of August 4, 2026
Product	Published	Rate	Term / condition	Status
Tech Loan 12 Monthpersonal_unsecured_12mo	6.990% APR	6.990%	12 mo	Standard
Personal Line of Creditploc_variable	17.000% APR	17.000%	—	Standard

Credit card rates

1 offer

Valley Oak Credit Union credit card rates as of August 4, 2026
Product	Published	Rate	Term / condition	Status
Credit Cardcredit_card	8.490% APR	8.490%	—	Standard

Savings & CD rates

9 offers

Valley Oak Credit Union savings & cd rates as of August 4, 2026
Product	Published	Rate	Term / condition	Status
3-Month Certificatecd_3mo	2.75% APY	2.75%	3 mo	Standard
6-Month Certificatecd_6mo	3.25% APY	3.25%	6 mo	Standard
Certificateshare_certificate	3.35% APY	3.35%	—	Standard
48-Month Certificatecd_48mo	4.50% APY	4.50%	48 mo	Standard
36-Month Certificatecd_36mo	4.50% APY	4.50%	36 mo	Standard
24-Month Certificatecd_24mo	4.50% APY	4.50%	24 mo	Standard
60-Month Certificatecd_60mo	4.50% APY	4.50%	60 mo	Standard
72-Month Certificatecd_72mo	5.00% APY	5.00%	72 mo	Standard
84-Month Certificatecd_84mo	5.50% APY	5.50%	84 mo	Standard

As of August 4, 2026, Valley Oak Credit Union offers mortgage rates from 5.75% APR. Vehicle loans available from 4.5% APR for 48 months. HELOC rates from 5.75% APR. Personal loan rates from 6.99% APR. Credit card rates from 8.49% APR. Savings and certificate yields up to 5.50% APY.
Source: RateAPI.dev, verified from Valley Oak Credit Union's official website

Branch locator

Valley Oak Credit Union locations

Search, filter, and browse all 4 NCUA-reported locations.

Search branches

Sort near a ZIP

Branch servicesATMDrive-throughMember servicesShared branch

Loading branches…

Loading branch locator…

About Valley Oak Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members: 6K
Assets: $82.3M
Founded: 1944
Locations reported: 4
NCUA charter: 64122
Charter type: Federally insured state-chartered credit union

Services and member support

Online loan application
Electronic statements
Mobile check deposit
Mobile payments
Financial education
Bilingual services
Credit-builder products

Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.

Other credit unions with branches nearby

Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.

Safe 1Visalia · Visalia · CA · 93292About 19.1 miles away TucoemasSavemart · Visalia · CA · 93292About 19.1 miles away Educational EmployeesDemaree · Visalia · CA · 93291-7147About 27.6 miles away Tulare CountyMooney Branch · Visalia · CA · 93291About 27.6 miles away Valley StrongDinuba · Dinuba · CA · 93618-9163About 28.7 miles away Self-HelpPorterville · Porterville · CA · 93257About 31.7 miles away

Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.

Who Can Join Valley Oak Credit Union

Membership eligibility from Valley Oak Credit Union's own published criteria. How we verify this.

Membership criteria are published on Valley Oak Credit Union's website. Check the membership page below to confirm whether you qualify.

Verified from Valley Oak Credit Union's membership page. Final membership determination is always made by the credit union.

Work at Valley Oak Credit Union?

This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Valley Oak Credit Union ranks against California peers.

Claim this profile How scorecards work

Frequently Asked Questions

What rates does Valley Oak Credit Union offer?

Valley Oak Credit Union currently offers mortgage, vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.

How often are Valley Oak Credit Union rates updated?

RateAPI verifies Valley Oak Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.

Where does RateAPI get Valley Oak Credit Union's rate data?

Rate data is collected directly from Valley Oak Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is Valley Oak Credit Union's mortgage rate?

As of August 4, 2026, Valley Oak Credit Union offers mortgage rates from 5.75% APR.

What are Valley Oak Credit Union's auto & boat loan rates?

As of August 4, 2026, Valley Oak Credit Union offers vehicle loans from 4.5% APR.

What is Valley Oak Credit Union's HELOC rate?

As of August 4, 2026, Valley Oak Credit Union offers home equity lines of credit from 5.75% APR.

What is Valley Oak Credit Union's personal loan rate?

As of August 4, 2026, Valley Oak Credit Union offers personal loans from 6.99% APR.

What is Valley Oak Credit Union's best CD rate?

As of August 4, 2026, Valley Oak Credit Union offers savings and certificate (CD) yields up to 5.50% APY.

Related Rate Data

Compare Valley Oak Credit Union's rates against national credit-union benchmarks.

More California credit unions Mortgage rate benchmark Auto loan rate benchmark HELOC rates Personal loan rates Credit card rates How we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

View Original Source

Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

Track Valley Oak Credit Union rates

Get a free API key to query these rates programmatically, or get the daily email when California credit union rates move.

Daily rate email

Use it via API

Access this data programmatically with our REST API

terminal

# Get rates for Valley Oak Credit Union
curl "https://api.rateapi.dev/credit-unions/california/valley-oak" \
  -H "Authorization: Bearer YOUR_API_KEY"

Explore API Documentation Use with Claude