VALLEY OAK CREDIT UNION

Welcome to Valley Oak, your trusted credit union located at 40870 Sierra Dr, Three Rivers, CA 93271. Established in 1944, we have been dedicated to serving our community with financial products and services designed to meet the unique needs of our members. With a proud membership of 5,932 individuals, we are more than just a financial institution; we are a part of your community. At Valley Oak, we understand that managing finances can be overwhelming. That's why we're here to provide personalized support and guidance every step of the way. With total assets of $78,435,347 and deposits amounting to $5,309,750, our financial strength reflects our commitment to you. We also offer an extensive range of loans and leases totaling 3,624, helping you achieve your dreams whether it's purchasing a new vehicle or financing home improvements. Our leadership team is committed to fostering a welcoming environment for all members. Led by CEO Alan Cortum and Board President Sandra Stryd, we strive to create a culture centered around trust and transparency. Our team of 19 dedicated employees is always ready to assist you with any inquiries or concerns you may have. While members can visit us at our branch location, official correspondence should be sent to PO Box 279, Three Rivers, CA 93271. For questions or assistance, feel free to reach out by phone at 559-561-1420 during our lobby hours from 9:00 AM to 5:00 PM PST on weekdays. At Valley Oak, we believe in giving back to the community that supports us. Your financial wellness is our priority as we work together towards building a brighter future for everyone in Three Rivers. Explore what we have to offer by visiting us online at www.valleyoak.org or stop by the branch today!

At Valley Oak, we proudly celebrate a rich history that began in 1944 in the heart of Three Rivers, California. Since our founding, we have been dedicated to providing financial services that empower our members and uplift our community. Located at 40870 Sierra Dr, our branch serves as a welcoming place for individuals and families seeking support in their financial journeys. Over the years, Valley Oak has evolved significantly. From our humble beginnings to becoming a trusted credit union with over 5,900 members and total assets reaching $78,435,347, we've consistently prioritized the needs of our community. Our mission is clear: to offer exceptional financial products while fostering a culture of inclusivity and support. We are not just about transactions; we aim to build lasting relationships with our members. While you can visit us at our main location, official correspondence should be sent to PO Box 279, Three Rivers, CA 93271. Our operating hours are from 9:00 AM to 5:00 PM PST on weekdays, ensuring we are available when you need us most. At Valley Oak, we believe in more than just banking. Our commitment extends to community outreach initiatives that strengthen the bonds within Three Rivers. We actively partner with local organizations to provide resources and support where it's needed most. Our digital advancements make banking easier for everyone whether through online banking or mobile payments, we're here to ensure your experience is smooth and accessible. As part of our dedication to customer service, we also prioritize ADA compliance and offer various channels for communication. While we currently do not have ATM services or drive-thru banking at this branch, our friendly staff is always ready to assist you in person or over the phone at 559-561-1420. Join us today at Valley Oak and discover how we can help you achieve your financial goals while being part of a community-focused family. Together, let's create a brighter financial future!

Becoming a member of Valley Oak is like joining a close-knit family that genuinely cares about your financial well-being. To be eligible, you simply need to live, work, worship, or attend school in the beautiful areas we serve. Whether you're new to the community or have been here for years, there's a warm welcome waiting for you at our branch located at 40870 Sierra Dr Three Rivers Ca 93271. Plus, as a member of Valley Oak, you'll enjoy a range of benefits including personalized service and competitive rates designed to support your financial goals. Opening an account is straightforward! You can start the process by visiting our website and checking out the details on membership criteria at http://www.valleyoak.org/about-us/membership . If you have any questions or need assistance, feel free to give us a call at (559) 561-1420. We're here to help make your transition into membership as smooth as possible, and we can't wait to welcome you aboard! For more information on opening an account, head over to http://www.valleyoak.org/loans/apply-now .

At Valley Oak, we understand that banking should be convenient and secure. That's why we offer a wide range of digital and online banking services designed to make managing your finances easier than ever. Whether you're at home or on the go, you can access your accounts anytime with just a few clicks. One of the standout features of our online banking is the ability to manage your accounts 24/7. With our user-friendly platform, available at https://www.valleyoak.org/ , you can check your balances, pay bills, and transfer funds with ease. Plus, if you're looking to simplify your paperwork, you'll love our electronic signature authorization feature. It allows you to sign documents quickly and securely from anywhere. For those who prefer going paperless, we offer e-statements that give you instant access to your account statements without the clutter. You can view your financial history at any time, making it easier to keep track of your spending. If you're often on the move, our mobile application makes banking even more accessible. You can easily manage your accounts right from your smartphone, whether you're checking balances or making person-to-person transfers with friends and family. Plus, with mobile payments enabled, paying for purchases is just a tap away. We prioritize your security while providing these services. You can feel confident knowing that all transactions are protected with robust security measures. Our commitment to providing safe and secure banking solutions ensures that you can focus on what matters most your life. In summary, Valley Oak's digital and online banking services empower you to take control of your finances effortlessly. Enjoy the convenience of managing your money anytime and anywhere while experiencing peace of mind with our secure platform. Ready to get started? Visit us at https://www.valleyoak.org/ today!

At Valley Oak, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to highlight our financial strength, which assures you of our reliability and commitment to serving your financial needs. With a net worth of $5,707,947, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $729 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $18,954,345 in share certificates and $9,577,195 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $5,657,226 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment is evident with $1,093 in used auto loans and $54,416,999 in total loans and leases, providing support for your financial goals across various sectors. While it's important to acknowledge that our recent net income is $-116,000, this reflects the challenges we've faced but also underscores our resilience as we continue to adapt and improve our offerings for you. We also take pride in having 19 full-time employees ready to assist you. Our team is committed to delivering knowledgeable service tailored to your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Valley Oak is your trusted partner. Visit us at 40870 Sierra Dr Three Rivers Ca 93271 or call (559) 561-1420 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.