Welcome to valley-oak, a trusted financial institution that has been serving the community since 1944. Located in the heart of Three Rivers, CA, our mission is to empower individuals and families through exceptional financial services and unwavering commitment to our members. Under the leadership of CEO Alan Cortum and Board President Sandra Stryd, we strive to create an inclusive environment where everyone can achieve their financial goals, whether it’s securing a loan for a new vehicle or managing day-to-day banking needs.

At valley-oak, we pride ourselves on offering modern banking solutions that ensure accessibility and convenience for all our members. Our services include robust online banking capabilities, a user-friendly mobile application, and features like person-to-person transfers, e-statements, mobile payments, and electronic signature authorization. Additionally, we are proud to be federally insured by the NCUA since 11/8/1977 0:00, providing our members with peace of mind knowing their deposits are secure. We invite you to explore more about us at our official website: https://www.valleyoak.org/ or reach out via fax at (559) 561-3170. Join us today and experience the member-first approach that sets us apart in the financial landscape.

At Valley Oak, we understand that managing your finances effectively is crucial to achieving your life goals, whether that's buying a new home, financing a vehicle, or growing a small business. Our comprehensive suite of financial services includes everything from personal banking solutions like checking and savings accounts to auto loans and mortgage refinancing options. We also offer business banking services, including merchant services and business loans tailored to meet the unique needs of local entrepreneurs. With our credit cards that come with rewards and personal loans designed for debt consolidation, you have the tools at your fingertips to take control of your financial journey.

In today’s fast-paced world, convenience is key. That's why we provide robust online banking capabilities, allowing you to manage your accounts seamlessly from anywhere. Our mobile application enhances this experience further by offering features such as person-to-person transfers and mobile payments. Additionally, with e-statements and e-signature options available, you can easily stay organized without the hassle of paperwork. Whether you're planning for significant life milestones or simply need efficient banking solutions for daily transactions, Valley Oak is here to support you every step of the way. To learn about membership eligibility, visit http://www.valleyoak.org/about-us/membership and discover how easy it is to join our community. And if you're considering loans or want to compare rates, check out https://www.lendmesh.com for valuable insights. Should you need assistance or have any questions, feel free to reach out via fax at (559) 561-3170; our team is always ready to help!

Valley Oak stands as a trusted and valuable financial partner, showcasing a commitment to its members that has been unwavering since its inception in 1944. With a total membership of 5,932, the credit union fosters a strong community spirit, ensuring that each member feels valued and understood. The impressive total assets amounting to 78,435,347 reflect the institution's solid foundation and stability, allowing it to support its members' financial aspirations effectively.

The credit union's net worth of 5,707,947 signifies its financial health and resilience, while the net worth ratio of 729 illustrates its ability to manage assets responsibly. Although the net income stands at -116,000, Valley Oak continues to focus on long-term growth and sustainability, demonstrating a commitment to reinvesting in services that benefit its members.

Total deposits reaching 5,309,750 showcase the trust that members place in Valley Oak, knowing their funds are secure. Furthermore, with total loans and leases totaling 3,624, Valley Oak actively supports individuals and families through various lending options tailored to meet diverse needs. The credit union takes pride in offering a range of services, including auto loans, which account for an impressive volume of 2,186, along with commercial loans aimed at empowering local businesses, even as it maintains a zero balance in non-member commercial loans.

Valley Oak employs a dedicated team of 19 professionals who prioritize exceptional member service, ensuring that every interaction is handled with care and expertise. This human touch distinguishes Valley Oak from other financial institutions, fostering loyalty and satisfaction among its members.

As you explore your financial options, rest assured that Valley Oak is committed to transparency and impact in all endeavors. For performance insights and detailed financial data, please refer to the National Credit Union Administration (NCUA) at: https://www.ncua.gov .

Compare real-time loan offers today at https://www.lendmesh.com and find the best rates for your needs.