Credit union · NCUA insured
Valley Oak Credit Union CD Rates
Top CarrotValley Oak Credit Union’s best CD rate is 3.35% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Valley Oak Credit Union’s CD rates compare
Compared with banks and credit unions near Visalia, CA, where Valley Oak Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Valley Oak Credit Union
3.35%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $335
Share Certificates
Top rate
Safe 1 Credit Union
4.25%APY
- Term
- 7 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $246
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
Valley Oak Credit Union CD score
74
CD score
Higher than 37% of U.S. banks and credit unions
- 3–8 months3–8 mo3.25%
- 9–15 months9–15 mo3.35%
- 16–30 months16–30 mo3.35%
- 31–60 months31–60 mo3.35%
- QualifiedQualified3.35%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Valley Oak Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificates
Up to 3.35%APY · 10 terms
Fixed Rate. Penalty imposed for withdrawal prior to maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.75% | $68 |
| 6 months | 3.25% | $161 |
| 12 months | 3.35% | $335 |
| 15 months | 3.35% | $420 |
| 18 months | 3.35% | $507 |
| 24 months | 3.35% | $681 |
| 30 months | 3.35% | $859 |
| 36 months | 3.35% | $1,039 |
| 48 months | 3.35% | $1,409 |
| 60 months | 3.35% | $1,791 |
Sources (2)
All captured Oct 6, 2026
Who can join Valley Oak Credit Union
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