Oak Valley Community Bank
Eastern Sierra Community Bank


Our Latest News

Introducing Melissa Loeb, VP Branch Manager in Roseville

Introducing Melissa Loeb, VP Branch Manager in Roseville

Loeb joins Oak Valley with over 20 years of banking experience.

Oak Valley Honored with the 2023 Raymond James Community Bankers Cup Award

Oak Valley Honored with the 2023 Raymond James Community Bankers Cup Award

Oak Valley Bancorp recognized as one of the top 10% community banks in the US.

2024 Spring /Summer In Touch Newsletter

Spring / Summer In Touch Newsletter

Read the latest newsletter from Oak Valley Community Bank

OVCB Named One of Central Valley's Best Places to Work

OVCB Named One of Central Valley's Best Places to Work

Named by Best Companies Group as one of 2024 Best Places to Work: Central Valley

Financial Literacy & Wellness Center

Financial Literacy & Wellness Center

Coaching tools, calculators & more to help you manage your financial future.

Refer a friend and receive a free gift

We Appreciate Your Referrals!

Referring a friend and receiving your free gift is easy as 1, 2, 3!

Open an account online

Online Account Opening

You can open personal checking, savings, and money market accounts online. Get started today!

We Are Hiring |

Banking Resources |

Financial Wellness |

Oak Valley Community Bank debit card shown on different apple devices to use with Apple Pay

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.


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.



Personal Banking


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Simply Free Checking Account

A FREE account for everyone!

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Direct Interest Checking Account

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

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50+ Interest Checking Account

A perfect account for customers 50 and better!

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Platinum Interest Checking Account

An account for those interested in higher interest!


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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.

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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.

Credit Cards

Oak Valley Community Bank Platinum Rewards credit card

Rewards Platinum

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

Oak Valley Community Bank Cash Reward credit card

Cash Rewards Platinum

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.

Oak Valley Community Bank Signature Travel credit card

Signature Travel

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.

Oak Valley Community Bank Platinum credit card

Platinum Edition

Enjoy the prestige of platinum.

Oak Valley Community Bank Secured Platinum credit card

Secured 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.

Home Loans

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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.

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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!

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Construction Loans

Let’s build your dream home together.

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


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Mutual Funds

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

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Stocks & Bonds

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

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College Savings Plans

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

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Retirement Planning

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

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

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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

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Personal - Unsecured Loans

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

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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.

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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.

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Auto Loans

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