As of July 8, 2026, Valley Oak offers a share_certificate mortgage at 3.35% APR (3.35% rate, 0 points). Auto loans available from 4.5% APR. HELOC rates from 6.75% APR.
Source: RateAPI.dev, verified from Valley Oak's official website
Rates as of July 8, 2026
Rates as of July 8, 2026
Rates as of July 8, 2026
Valley Oak currently offers mortgage, auto loan, and HELOC rates. The rates shown on this page were last verified July 8, 2026 directly from the credit union's official website.
RateAPI verifies Valley Oak's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified July 8, 2026.
Rate data is collected directly from Valley Oak's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
As of July 8, 2026, Valley Oak offers a share_certificate mortgage at 3.35% APR.
As of July 8, 2026, Valley Oak offers auto loans from 4.5% APR.
Compare Valley Oak's rates against national credit-union benchmarks.
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceLearn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.
View MethodologyAccess this data programmatically with our REST API
# Get rates for Valley Oak
curl "https://api.rateapi.dev/credit-unions/california/valley-oak" \
-H "Authorization: Bearer YOUR_API_KEY"