Credit union · NCUA insured
Valley Oak Credit Union Savings Rates
Top CarrotValley Oak Credit Union’s best savings rate is 0.25% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Valley Oak Credit Union’s savings 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
0.25%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $25
Money Market
Top rate
Valley Strong Credit Union
3.25%APY
- Requires
- Another account
- Minimum
- $2,500
- Earns on $10,000 a year
- $325
2nd-highest rate
Self-Help Federal Credit Union
2.12%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $212
Valley Oak Credit Union savings score
71
Savings score
Higher than 28% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0000.50%
- QualifiedQualified0.25%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market
Up to 0.25%APY
Minimum initial deposit and required minimum balance of $1,000.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 and upTier 1. Rates subject to change monthly. APY on non-term accounts may change after opening. | 0.10% | $10 | Tier 1. Rates subject to change monthly. APY on non-term accounts may change after opening. |
| $2,500 and upTier 2. Rates subject to change monthly. APY on non-term accounts may change after opening. | 0.15% | $15 | Tier 2. Rates subject to change monthly. APY on non-term accounts may change after opening. |
| $10,000 and upTier 3. Rates subject to change monthly. APY on non-term accounts may change after opening. | 0.25% | $25 | Tier 3. Rates subject to change monthly. APY on non-term accounts may change after opening. |
| $50,000 and upTier 4. Rates subject to change monthly. APY on non-term accounts may change after opening. | 0.35% | — | Tier 4. Rates subject to change monthly. APY on non-term accounts may change after opening. |
| $100,000 and upTier 5. Rates subject to change monthly. APY on non-term accounts may change after opening. | 0.50% | — | Tier 5. Rates subject to change monthly. APY on non-term accounts may change after opening. |
| $250,000 and upTier 6. Rates subject to change monthly. APY on non-term accounts may change after opening. | 1.06% | — | Tier 6. Rates subject to change monthly. APY on non-term accounts may change after opening. |
Sources (2)
All captured Oct 6, 2026
Regular Savings
0.05%APY
Requires membership with Valley Oak Credit Union. Daily balance of $250 or more pays interest compounded monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $250 and upMinimum balance to earn dividends is $250. Compounded monthly. APY on non-term accounts may change after opening.$250 and up | 0.05% | $5 | Minimum balance to earn dividends is $250. Compounded monthly. APY on non-term accounts may change after opening. |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
Holiday Club
0.15%APY
On November 1st of each year, the balance of your Holiday Club account will roll over into your savings account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upFixed APY. On November 1st of each year, the balance rolls into regular savings.$5 and up | 0.15% | $15 | Fixed APY. On November 1st of each year, the balance rolls into regular savings. |
Sources (2)
All captured Oct 6, 2026
Junior Savings
0.15%APY
Tailored for ages 0-17.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum balance to earn dividends is $25. APY on non-term accounts may change after opening.$25 and up | 0.15% | $15 | Minimum balance to earn dividends is $25. APY on non-term accounts may change after opening. |
Sources (2)
All captured Oct 6, 2026
Vacation Club
0.15%APY
On June 1st of each year, the Vacation Club account balance will roll into your savings account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upFixed APY. On June 1st of each year, balance rolls into regular savings.$5 and up | 0.15% | $15 | Fixed APY. On June 1st of each year, balance rolls into regular savings. |
Sources (2)
All 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.