--- title: "Valley Oak Credit Union Rates - California" description: "Current personal loan, and credit card rates from Valley Oak Credit Union in California. Updated daily with source verification. See who can join Valley Oak Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/california/valley-oak" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Valley Oak Credit Union Rates - California ### Personal loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Personal Line of Credit** ploc_variable | — APR | 17.000% | — | Standard | Valley Oak Credit Union personal loan rates as of October 26, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Credit Card** credit_card | — APR | 8.490% | — | Standard | Valley Oak Credit Union credit card rates as of October 26, 2026 Valley Oak Credit Union is a credit union in California. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/california/valley-oak) , verified from [Valley Oak Credit Union's official website](https://www.valleyoak.org/) 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](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . 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. [**Tucoemas** Savemart · Visalia · CA · 93292 About 23.3 miles away](https://rateapi.dev/credit-unions/california/tucoemas) [**Safe 1** Visalia · Visalia · CA · 93292 About 23.5 miles away](https://rateapi.dev/credit-unions/california/safe-1) [**Valley Strong** Central Visalia Branch · Visalia · CA · 93277-2125 About 25.6 miles away](https://rateapi.dev/credit-unions/california/valley-strong) [**Educational Employees** Demaree · Visalia · CA · 93291-7147 About 25.7 miles away](https://rateapi.dev/credit-unions/california/educational-employees) [**Tulare County** Mooney Branch · Visalia · CA · 93291 About 25.9 miles away](https://rateapi.dev/credit-unions/california/tulare-county) [**Self-Help** Porterville · Porterville · CA · 93257 About 26.8 miles away](https://rateapi.dev/credit-unions/north-carolina/self-help) 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](https://rateapi.dev/eligibility-methodology) . 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](https://www.valleyoak.org/) . Final membership determination is always made by the credit union. ## Membership rules for Valley Oak Credit Union Geography 2 counties · Employers 2 · Military · Family 2 13 published paths to membership, last verified October 11, 2026, quoted from Valley Oak Credit Union’s own published criteria. ### Geography 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified October 11, 2026 - Madera County, CA - Tulare County, CA “We’re open to any and all persons who reside in Tulare and Madera Counties.” > [source ↗](https://www.valleyoak.org/About-Us/Membership) ### Employers 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified October 11, 2026 - Employee of USPS “All USPS Employees living in Tulare, Kings, Fresno, and Madera Counties” > [source ↗](https://www.valleyoak.org/About-Us/Membership) - Employee of USPS - Employee of Valley Oak Credit Union “Employees of this credit union” > [source ↗](https://www.valleyoak.org/About-Us/Membership) - Employee of Valley Oak Credit Union ### Military 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified October 11, 2026 - Military affiliation “All Military personnel (Active/Retired) living in Tulare, Kings, Fresno and Madera Counties” > [source ↗](https://www.valleyoak.org/About-Us/Membership) - Military: Active/Retired military personnel ### Family 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified October 11, 2026 - Family of a member relative “persons related to members by blood, marriage or by legal actions” > [source ↗](https://www.valleyoak.org/About-Us/Membership) - Family member (relative) of a member - Family of a member spouse, child, blood relations, legal action “Family members of an existing Valley Oak Credit Union member (The definition of family being – 1. Spouse and children, 2. All blood relations, 3. Or legal action.)” > [source ↗](https://www.valleyoak.org/About-Us/Membership) - Family member (spouse, child, blood relations, legal action) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Valley Oak Credit Union? Yes No ## 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. - See which AI assistants fetched Valley Oak Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in California - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=valley-oak&state=california&code=CA&name=Valley%20Oak%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Valley Oak Credit Union offer? Valley Oak Credit Union currently offers personal loan, and credit card rates. The rates shown on this page were last verified October 26, 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 October 26, 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. ### Who can join Valley Oak Credit Union? Valley Oak Credit Union publishes its membership criteria on its own website. RateAPI tracks 13 published membership paths covering 2 counties, 2 employers and 1 military for Valley Oak Credit Union, each quoted from Valley Oak Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Valley Oak Credit Union's rates against national credit-union benchmarks. [More California credit unions](https://rateapi.dev/credit-unions/california) [California personal loan leaders](https://rateapi.dev/personal-loan-rates/california) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.valleyoak.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/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. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## 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](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Valley Oak Credit Union locations Search, filter, and browse all 4 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/california/valley-oak Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp