Valley Oak Credit Union Credit Card Rates

How Valley Oak Credit Union’s credit card rates compare

Compared with banks and credit unions near Visalia, CA, where Valley Oak Credit Union has the most branches. Ongoing purchase APR, lowest first.

Credit card score

Higher than 87% of U.S. banks and credit unions

By rate

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 credit card score, in each area where it has branches

Every rate

Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.

Secured using savings as collateral; credit limit determined by the amount offered as collateral in savings account.

Applies to	APR	Annual fee	Conditions
Ongoing	19.90%	None	Fixed APR based on credit approval. No annual fee and no balance transfer fee.

Sources (1)

Rates and terms are based on approved credit. Average daily balance method used.

Applies to	APR	Annual fee	Conditions
Ongoing	8.49%–19.90%	None	Rate depends on creditworthiness. Credit limits up to $30,000. No interest accrued on purchases if paid in full within 25 days of statement date.
Intro, 6 months	2.99%	None	Balance Transfer Special for new and existing Valley Oak Credit Cardholders on all balance transfers for 6 months. No balance transfer fee. Balance transfers are not valid for payment of Valley Oak Credit Union loans or Valley Oak Credit Union Visa card balances.

Sources (2)

All captured Oct 6, 2026

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