Let’s Strengthen our Community Together.

A FREE account for everyone!

Earn interest with the convenience of direct deposit or any automatic payment!

A perfect account for customers 50 and better!

An account for those interested in higher interest!

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.

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.

Enjoy the prestige of platinum and earn reward points for merchandise and travel.

Enjoy the prestige of platinum and earn unlimited 1% cash back. Cash rewards don’t expire as long as your account remains open. Redeem for a statement credit anytime. Redemptions starting at $25.

Enjoy attractive rewards, redeemable for merchandise, lodging and travel, along with exclusive perks like concierge service, hotel discounts, travel and lost luggage insurance. Earn 1.5 points per $1 spend.

Enjoy the prestige of platinum.

The card to help build and re-build credit. Includes free FICO® Score (updated monthly), cell phone protection, email and text fraud alerts, mobile payments, and more.

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.

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!

Let’s build your dream home together.

Talk to us about loan options for your new home construction.

For capital appreciation or competitive yields, liquidity and relative safety, mutual funds provide diversification with the added benefit of professional management.

We assist individual investors reach financial goals for portfolio or income growth, considering your lifestage and lifestyle plans.

Let us help you develop the right college savings plan: 529 college savings plan, education savings account, or custodial investment account.

Our team of qualified investment representatives helps you choose from a broad range of retirement plan products.

Discover how a fixed or variable annuity can help with tax control to build retirement savings or plan for your inheritors.

Preserve your assets with our life, long-term care, and disability insurance products that are competitive with any traditional insurance company offering.

Unsecured personal loans for planned or unplanned expenses. Terms available up to 3 years.

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 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.

New and Used Auto Loans available (Current model year, plus up to 4 years).