Oak Valley Community Bank
Eastern Sierra Community Bank


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Checking & Savings

We offer a variety of personal checking and savings accounts to choose from and each comes with the option to access your accounts through our free online banking and bill pay, telephone banking, and mobile banking platforms. From Platinum Interest Checking to Simply Free Checking and Savings accounts, we are committed to providing today’s modern banking conveniences with an old-fashioned personal touch.

Money Markets

Open a high-yield, tiered, Money Market account. The more you save, the higher rate of interest you earn.

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Health Savings Accounts

Manage your health care coverage and money with interest-bearing Health Savings Accounts linked with a high-deductible health plan (HDHP). We offer three types of Health Savings Accounts: HSA Checking, HSA Savings, HSA Liquidity.

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Certificates of Deposit (CDs)

Earn competitive interest rates when you commit to depositing funds for 30 days to 5 years with Certificates of Deposit (CDs). Also, get competitive retirement account rates and tax benefits with IRAs.



Home Loans

We offer loan products with competitive rates on fixed loans, adjustable rates, jumbo loans, cash-outs, multi-units, and non-owner occupied.

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Home Equity Loans & Lines Of Credit

Make the most of your home with a Home Equity Loan or Line of Credit for financing a specific project or investment, consolidating debt or making a major purchase.


Auto Loans

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

Contact a Branch for additional rate and term information.



Overdraft Options

Overdrafts happen – and we've got options to make it easier to avoid overdraft fees, giving you more flexibility so you can manage your money with confidence.


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.

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An iPhone showing an example screen of Oak Valley Community Bank's mobile banking dashboard
An iPhone showing an example screen of Oak Valley Community Bank's mobile banking dashboard (mobile version)

Mobile Banking

On the move. On the money.

Mobile Banking with Bill Pay provides you with a simple and secure way to manage your accounts wherever your mobile device connects.


Telephone Banking

Our In-Touch telephone banking makes it easy to bank when and where you want. Access your accounts from anywhere, anytime you have access to a telephone!

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Oak Valley Community Bank debit card

Debit MasterCard®

Worldwide acceptance meets 24-hour banking. Make life simpler and purchasing easier with a MasterCard® debit card.