Credit union · NCUA insured
Valley Oak Credit Union Auto Loan Rates
Top CarrotValley Oak Credit Union auto loans start at 4.50% APR for a new vehicle. Rates checked October 16, 2026.
How Valley Oak Credit Union’s auto loan rates compare
Compared with banks and credit unions near Visalia, CA, where Valley Oak Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Valley Oak Credit Union
4.50%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
Secured NEW Auto Loans (2023 + Newer)
2nd-lowest rate
Tucoemas Federal Credit Union
4.50%APR
- Terms
- 49–60 months
- Up to
- —
- Discount
- Included in the rate
3rd-lowest rate
Safe 1 Credit Union
4.99%APR
- Terms
- up to 66 months
- Up to
- 14.99% APR
- Discount
- None included
Valley Oak Credit Union auto loan score
82
Auto loan score
Higher than 60% of U.S. banks and credit unions
- New vehicleNew4.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Valley Oak Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Secured NEW Auto Loans (2023 + Newer)
Rates effective October 1, 2026. Rates based on individual creditworthiness, term, age, mileage, and LTV. Membership eligibility required.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 4.50% | Minimum amount N/A. |
| up to 36 months | 4.50% | Minimum amount N/A. |
| up to 48 months | 4.50% | Minimum loan amount $7,500. |
| up to 60 months | 4.50% | Minimum loan amount $10,000. |
| up to 72 months | 5.00% | Minimum loan amount $15,000. |
| up to 84 months | 5.50% | Minimum loan amount $20,000. |
Sources (1)
- valleyoak.org/Rates/Loan-Rates · captured Oct 6, 2026
Secured USED & REFINANCE Auto Loans (2016 & Older)
Rates effective October 1, 2026. Rates based on individual creditworthiness, term, age, mileage, and LTV. Membership eligibility required.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 7.50% | Minimum amount N/A. |
| up to 36 months | 7.50% | Minimum amount N/A. |
| up to 48 months | 7.50% | Minimum loan amount $7,500. |
| up to 60 months | 7.50% | Minimum loan amount $10,000. |
| up to 72 months | 8.00% | Minimum loan amount $15,000. |
| up to 84 months | 8.50% | Minimum loan amount $20,000. |
Sources (1)
- valleyoak.org/Rates/Loan-Rates · captured Oct 6, 2026
Secured USED & REFINANCE Auto Loans (2017-2022)
Rates effective October 1, 2026. Rates based on individual creditworthiness, term, age, mileage, and LTV. Membership eligibility required.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 5.00% | Minimum amount N/A. |
| up to 36 months | 5.00% | Minimum amount N/A. |
| up to 48 months | 5.00% | Minimum loan amount $7,500. |
| up to 60 months | 5.00% | Minimum loan amount $10,000. |
| up to 72 months | 5.50% | Minimum loan amount $15,000. |
| up to 84 months | 6.00% | Minimum loan amount $20,000. |
Sources (1)
- valleyoak.org/Rates/Loan-Rates · captured Oct 6, 2026
Who can join Valley Oak Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.