Valley Oak Credit Union

A short history of Valley Oak CU

Since its inception in 1944 the Valley Oak Credit Union has been serving its members in the Three Rivers, California area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Alan Cortum, the Valley Oak CU has grown its membership to over 7,081 with assets of more than $52,996,222. They have a main office and 4 branch offices. Please see the credit unions website or contact them by phone at (559) 561-1420 or email them at eajones@valleyoak.org to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in Three Rivers, CA.

General Information For Valley Oak CU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Compare Valley Oak Credit Union To Other Local Credit Unions

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Valley Oak Credit Union Financial Performance Charts

Financial Data

Valley Oak Credit Union Lowest Loan Rates With State and USA Rankings

	Unsecured Credit Card	New Car Loans	Used Car Loans	1st Mortgage Loans	Other Real Estate
Rate	8.49	3.94	6.38	3.85	5.59
Mean Rate For All USA Based Credit Unions	10.56	3.72	5.00	4.48	4.95
Rank Among All USA Credit Unions	121	268	485	114	299
Rank Among All California Credit Unions	16	108	156	40	98

Valley Oak Credit Union Highest Deposit Rates With State and USA Rankings

	Checking	Regular Savings	Money Market	Certificates of Deposits	IRA/KEOGH
Rate	0.02	0.05	0.20	0.09	N/A
Mean Rate For All USA Based Credit Unions	0.19	0.26	0.29	0.73	0.66
Rank Among All USA Credit Unions	136	142	116	333	N/A
Rank Among All California Credit Unions	29	44	35	103	N/A

Valley Oak Credit Union Loans and Leases

Interest Rate

Number of Loans

Amount

Unsecured Credit Card Loans	8.490	1,271	2,435,259
All Other Unsecured Loans/Lines of Credit	10.260	584	2,173,892
Short-Term, Small Amount Loans (STS) (Federal CU Only)	0.000	0	0
Non-Federally Guaranteed Student Loans	0.000	0	0
New Vehicle Loans	3.940	406	9,665,288
Used Vehicle Loans	6.380	1,821	21,218,412
Total 1st Mortgage Real Estate Loans/Lines of Credit	3.850	14	1,871,458
Total Other Real Estate Loans/Lines of Credit	5.590	43	1,425,931
Leases Receivable	0.000	0	0
Total All Other Loans/Lines of Credit	5.460	95	930,317
TOTAL LOANS & LEASES		4,234	39,720,557

Valley Oak Credit Union Real Estate Loans and Lines of Credit

REAL STATE LOANS FIRST MORTGAGE

No. of Loans Outstanding

Amt of Loans Outstanding

No. of Loans Granted Year- to-Date

Amount Granted Year-To-Date

Fixed Rate
a. > 15 years	9	1,346,014	1	120,000
b. 15 Years or less	5	525,444	1	137,000
Balloon/Hybrid
a. > 15 years	0	0	0	0
b. 15 Years or less	0	0	0	0
Other Fixed Rate	0	0	0	0
Adjustable Rate 1 yr or less	0	0	0	0
Adjustable Rate > 1 yr	0	0	0	0

OTHER REAL ESTATE

Closed-End Fixed Rate	31	1,181,968	0	0
Closed-End Adjustable Rate	0	0	0	0
Open-End Adjustable Rate	12	243,963	3	241,100
Open-End Fixed Rate	0	0	0	0
TOTALS	57	3,297,389	5	498,100

MISCELLANEOUS REAL ESTATE LOANS/LINES OF CREDIT INFORMATION

Interest Only & Payment Option 1st Mortgage Loans	0	0		0
Interest Only & Payment Option Other RE/LOC Loans	0	0		0
REVERSE MORTGAGES
a. Federally Insured Home Equity Conversion Mortgage (HECM)	0	0	0	0
b. Proprietary Reverse Mortgage Products	0	0	0	0

Valley Oak Credit Union Member Offerings

First Time Homebuyer Program	No
Real Estate Loans	Yes
Pay Day Lending	No
Share Secured Credit Cards	Yes
Overdraft Protection/Courtesy Pay	Yes
Overdraft Lines of Credit	Yes
ATM/Debit Card Program	Yes
Interest Only and Payment Option 1st Mortgage Loans	No
Check Cashing	Yes
Money Orders	No
No Surcharge ATMs	Yes
Home Banking Via Internet Website	Yes