This main office of Valley Oak is located at 40870 Sierra Dr in Three Rivers, California, and can be reached at (559) 561-4471. Valley Oak is a federally insured financial cooperative serving the Three Rivers, California community. Established to provide a secure alternative to big banks, they focus on member service rather than profits. If you are comparing options, you can also browse other credit unions in Three Rivers or review your personal loan options.
Profits are returned to members via better rates & lower fees.
Local decision making and support for the Three Rivers area.
This is the main headquarters location, managing all branch operations and member services for the institution.
Specialized loans designed to help you establish or rebuild your credit score safely and affordably.
Full service available in multiple languages to support our diverse community.
No-cost share draft accounts (checking) with no monthly maintenance fees.
40870 Sierra Dr
Three Rivers, CA 93271-9696
The credit union lobby is currently closed.
Today: 9am-5pm
| Sunday | Closed |
| Monday | 9:00 AM - 5:00 PM |
| Tuesday | 9:00 AM - 5:00 PM |
| Wednesday | 9:00 AM - 5:00 PM |
| Thursday | 9:00 AM - 5:00 PM |
| Friday | 10:00 AM - 6:00 PM |
| Saturday | Closed |
PO Box: PO Box 279, Three Rivers, CA 93271
Membership at Valley Oak is typically open to individuals who live, work, worship, or attend school in Three Rivers and surrounding areas.
We recommend contacting the branch at (559) 561-4471 to confirm your eligibility before visiting.
Membership and underwriting can take time. If you need funds while your application is in progress, you can explore installment loans or, if your credit history is still developing, review loan options for bad credit.
Like most credit unions, Valley Oak typically offers the following services. If you want to weigh these against online options, you can compare debt consolidation loans or, for those rebuilding their score, look at loans for fair credit:
Yes, as a federally chartered or insured credit union, accounts are insured by the **NCUA (National Credit Union Administration)** up to $250,000. This offers the same level of protection as FDIC insurance at traditional banks.
Field of membership typically includes residents of Three Rivers, employees of specific local companies, or family members of existing members. Contact the branch directly for the most current eligibility list.
3 additional branches in 1 state
Looking for credit unions near me in other California cities? Browse credit unions in nearby locations:
To borrow from Valley Oak Credit Union you generally need to qualify for membership and meet its lending criteria, and not every applicant is approved. If you don't qualify, need to compare rates, or want to review more options, you can connect with online lenders serving California. Applying is quick, and funds may be available as soon as the next business day after approval.
Fast Fair Loans is not a lender, does not make credit decisions, and cannot guarantee loan approval or amount. Loans are not available in all states.