Valley Oak Credit Union is a member-owned, not-for-profit, financial institution, serving Tulare County and the surrounding communities. Did you know that credit unions are quite different from banks? Credit unions are not-for-profit cooperatives, owned by the people — or members — who bank with them. Banks are owned by stockholders who demand high profits and expect a return on their investment.. Savings,Certificates,Money Market Accounts,Checking Accounts,Credit Cards,New and Used Vehicle and RV Loans,Home Loans,Personal Loans,Protection and Foreclosure Education.