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AutoSMART

Credit Union Direct Lending® (CUDL)

Although many members contact us to get pre-approved before shopping for a car, others find themselves on a weekend at the dealership ready to buy. When that happens, Valley Oak can still provide the financing, thanks to our relationship with Credit Union Direct Lending® (CUDL).

Visit a participating California dealerships and they can approve your auto loan on site. To find a list of participating dealers, go online to AutoSMART or call the dealership locator at 877.744.CUDL (2835).

Member Services

  • AutoSMART
  • Foreclosure
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  • TruStage Insurance Program
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  • Wealth Management
Whatever the dream, a HELOC can help make it happen
Use your home’s equity to fund what matters— like renovations, education, or big life goals. Borrow only what you need, when you need it. 
Borrow up to 80% of your home’s appraised value (minus your mortgage balance)
Up to 70% on investment/rental properties
Let your home’s equity work for you — apply today!
Equal Housing Opportunity Lender.
  • Share Certificates

    as high as
    3.90
    %
    APY*
    Calculate
  • Auto Loans

    as low as
    5.50
    %
    APR*
    Calculate
  • VISA Credit Card

    as low as
    8.49
    %
    APR*
    Calculate
  • HELOC

    as low as
    7.50
    %
    APR*
    Calculate

The accuracy of our calculators and their applicability to your circumstances are not guaranteed. You should consult with a qualified professional regarding your particular circumstances.

Copyright © 2025 Valley Oak Credit Union
Toll Free: 800.561.4302  |  Routing Number: 321178051

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Reviewed by Allyant for Accessibility CO-OP Equal Housing Opportunity Federally Insured by NCUA
  • APR=Annual Percentage Rate
  • APY=Annual Percentage Yield

Loan Calculator

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Savings Calculator

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Initial Deposit
$1,000.00
Total Contributions
$240.00
Dividend Earnings
$33.29
Total Savings
$1,273.29

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