Let’s Strengthen our Community Together.
We’re more than a bank. We’re your neighbors and we’re dedicated to enriching the communities we serve and strengthening our local economy.
UPDATES
Our Latest News
Oak Valley Community Bank Receives SBA Lending Accolades
Oak Valley Community Bank was recognized by Success Capital – Certified Development Corporation as their “2024 SBA 504 Most Active Bank.”
Oak Valley Community Bank Announces Commercial Banking Officer Hiring, David Skitarelic
Skitarelic brings 30 years of Sacramento-area commercial banking experience to his new role.
Oak Valley Receives Approval On AHEAD Grants
Oak Valley Bancorp received approval on two 2024 AHEAD grants which were submitted on behalf of Turlock Gospel Mission and Habitat for Humanity of Tuolumne County.
Oak Valley Community Bank Announces Branch Manager Hiring
Turlock native, Diaz has dedicated over a decade to the banking industry, most notably as Vice President, Financial Center Manager
Modesto Gospel Mission Receives Approval On $2 Million Affordable Housing Program Grant Submitted Through Oak Valley Community Bank
This significant funding will propel MGM's efforts to provide emergency shelter and other vital services to the neediest residents of Modesto.
Financial Literacy & Wellness Center
Coaching tools, calculators & more to help you manage your financial future.
We Appreciate Your Referrals!
Referring a friend and receiving your free gift is easy as 1, 2, 3!
Online Account Opening
You can open personal checking, savings, and money market accounts online. Get started today!
FEATURED
Banking Suggestions
Personal Banking
We offer a wide variety of choices for personal banking needs so you can select what’s best for you to make banking easy – the way it should be. Choose from different checking and savings accounts, CDs, money market accounts, debit and credit cards, and more, to simplify your life and your finances.
Investments
Oak Valley’s trademark customer service with Cetera investment services that can help you address both short-term investing goals and long-term planning.
Commercial Banking
Business banking services, commercial financing solutions, and Treasury Management tools designed to help meet your goals. From everyday business checking account options to loans of all types, we are a comprehensive bank providing solid advice and highly personalized service.
Use Your Oak Valley Or Eastern Sierra Mastercard With Apple Pay® Today!
Shop on the go with Apple Pay®. Using your Oak Valley or Eastern Sierra Mastercard® with Apple Pay® is easy, secure and private. It provides a simple way to make purchases at participating merchants and within apps on your compatible Apple® iOS devices.
CONVENIENT
Online Banking
Complete money management at your fingertips! We offer a variety of services that help you manage your accounts, when and where you want.
JUST FOR YOU
Personal Banking
Checking
Direct Interest Checking Account
Earn interest with the convenience of direct deposit or any automatic payment!
Platinum Interest Checking Account
An account for those interested in higher interest!
Savings
Money Markets Savings Account
Our Money Market Account is a high-yield interest bearing money market account. The account is tiered, so the more you save the higher the rate of interest you will earn. Money Markets are perfect for customers with limited check-writing needs who want to earn a competitive interest rate.
Savings Account
Start saving with a traditional savings account. Unlimited ATM and in-branch withdrawals. You can also make up to six free withdrawals or transfers by pre-authorized, automatic, or telephone per month (statement cycle). Minor Savings Accounts are also available for children under 18 years of age.
Home Loans
Home Loans
Whether you are purchasing or refinancing, Oak Valley Community Bank has just the right mortgage loan for you. We offer a variety of loan programs and work closely with our clients to ensure they choose the loan that best suits their financial needs. Allow us to show you how easy buying or refinancing can be.
Home Equity Loans & Lines of Credit
Using the equity in your home is one of the most affordable ways to borrow money for the things you want and need. Whether you’re looking for a set amount of cash to finance a specific project or investment, or if you just want the flexibility of a line of credit to consolidate debt or finance do-it-yourself projects as they come along, we have a Home Equity Loan or Line of Credit option that is right for you!
Construction Loans
Let’s build your dream home together.
Talk to us about loan options for your new home construction.
Investing
Mutual Funds
For capital appreciation or competitive yields, liquidity and relative safety, mutual funds provide diversification with the added benefit of professional management.
Stocks & Bonds
We assist individual investors reach financial goals for portfolio or income growth, considering your lifestage and lifestyle plans.
College Savings Plans
Let us help you develop the right college savings plan: 529 college savings plan, education savings account, or custodial investment account.
Retirement Planning
Our team of qualified investment representatives helps you choose from a broad range of retirement plan products.
Annuities
Discover how a fixed or variable annuity can help with tax control to build retirement savings or plan for your inheritors.
Life Insurance
Preserve your assets with our life, long-term care, and disability insurance products that are competitive with any traditional insurance company offering.
Consumer Loans
Personal - Unsecured Loans
Unsecured personal loans for planned or unplanned expenses. Terms available up to 3 years.
Personal - CD Secured Loans
Personal loans secured by your OVCB held deposits for planned or unplanned expenses. Terms available up to the matching term of the securing deposit. Rates typically lower than unsecured personal loans.
Ready Reserve
Ready Reserve is a line of credit designed to cover overdrafts in your account. You can access your Ready Reserve by writing a check, using your debit card, or through Online Banking.
Auto Loans
New and Used Auto Loans available (Current model year, plus up to 4 years).