Valley Oak Credit Union

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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 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.

Charter Number 64122
Address PO Box 279 
City Three Rivers 
State California 
Zip-Code 93271
Phone Number (559) 561-1420
Fax Number (559) 561-3170
Email Address:
CEO/President Alan Cortum
Members 7,081 
Full-Time Employees 27 
Part-Time Employees
Number of Branch Offices
Total Assets 52,996,222 

Compare Valley Oak Credit Union To Other Local Credit Unions

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Valley Oak Credit Union Financial Performance Charts

Performance Charts

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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 8.4901,2712,435,259
All Other Unsecured Loans/Lines of Credit 10.2605842,173,892
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 3.9404069,665,288
Used Vehicle Loans 6.3801,82121,218,412
Total 1st Mortgage Real Estate Loans/Lines of Credit 3.850141,871,458
Total Other Real Estate Loans/Lines of Credit 5.590431,425,931
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 5.46095930,317
TOTAL LOANS & LEASES 4,23439,720,557

Valley Oak Credit Union Real Estate Loans and Lines of Credit


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 91,346,0141120,000
    b. 15 Years or less 5525,4441137,000
    a. > 15 years 0000
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 311,181,96800
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 12243,9633241,100
Open-End Fixed Rate 0000
TOTALS 573,297,3895498,100


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

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