Looking for a better business bank? Holdings offers free checking + AI bookkeeping for small businesses. Get started free →
Valley Oak Credit Union
Three Rivers, California
Bank Details
- Institution Name
- Valley Oak Credit Union
- Routing Number (ABA/RTN)
- 321178051
- Status
- Active — Receives ACH Transfers
Use This For
- ✓ ACH Direct Deposit
- ✓ ACH Payments & Bill Pay
- ✓ Tax Refund Direct Deposit
- ⚠ Wire Transfers (verify with bank)
Looking for a business bank account with no monthly fees?
Holdings is free business checking — open in about 10 minutes.
Get it done now — free tools from a real finance platform
Built by Holdings \u2014 the banking + accounting platform that keeps businesses and nonprofits audit-ready. Free forever, no account needed. Connect banking and let your books run themselves when you\u2019re ready.
Ready to stop doing it by hand? Explore Invoicing software for small business, Small business accounting software, or Small business bookkeeping software.
Where to Find This Routing Number
Routing number 321178051 appears at the bottom-left of checks issued by Valley Oak Credit Union.
Frequently Asked Questions
What is the routing number for Valley Oak Credit Union?
Is routing number 321178051 valid?
Can I use 321178051 for wire transfers?
Where is Valley Oak Credit Union located?
What is routing number 321178051 used for?
You found your routing number. Now find your books.
Holdings connects to Valley Oak Credit Union (or any bank) and auto-categorizes every transaction into real books — plus invoicing and donation tracking, all in one dashboard. No spreadsheets. No QuickBooks subscription tax. From $19/mo.
Related Routing Numbers
Setting up a payment? Get the books done too.
If you're looking up Valley Oak Credit Union's routing number, you're moving money — invoicing a client or paying a vendor. With Holdings, the bank is the books: get paid and it's already recorded, no separate accounting tool, no month-end reconciliation.
Your bank
- 0.01% APY
- Monthly fees
- No accounting tools
Holdings
- 1.75% APY
- $0 fees
- Accounting from $25/mo
- FDIC to $3M
The switch takes ~30 minutes. The savings start immediately.
Not ready to switch? Use a free tool while you're here.
No account needed — send a professional invoice or fill out a W-9 in seconds.