Valley Financial rates: up to 5.12% APY
credit union · NCUA CHARTER 68689 · www.valleyfcu.com/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Christmas Club | $25 | 0.75% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Variable Rate Share Acct. | $25 | 0.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Regular Savings | $25 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Rewards Savings | Non-qualifying | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Rewards Savings | $0.01 - $20,000 | 1.76% | APY | 2026-11-01 | since 2026-11-01 | |
| Rewards Savings | Portion of balance over $20,000.00 | 0.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Stash Savings | $25 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Youth Savings | 5.12% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| 6 Month Certificate | $1,000 · 6 months | 3.82% | APY | 2026-11-01 | since 2026-11-01 | |
| 9 Month Certificate | $1,000 · 9 months | 3.82% | APY | 2026-11-01 | since 2026-11-01 | |
| 11 Month Flex Certificate | $500 · 11 months | 3.76% | APY | 2026-11-01 | since 2026-11-01 | |
| 12 Month Certificate | $500 · 1 year | 3.82% | APY | 2026-11-01 | since 2026-11-01 | |
| Youth Certificate | $100 · 1 year | 3.82% | APY | 2026-11-01 | since 2026-11-01 | |
| 15 Month Certificate | $500 · 15 months | 3.82% | APY | 2026-11-01 | since 2026-11-01 | |
| 18 Month Certificate | $500 · 18 months | 3.82% | APY | 2026-11-01 | since 2026-11-01 | |
| 21 Month Certificate | $500 · 21 months | 3.82% | APY | 2026-11-01 | since 2026-11-01 | |
| 24 Month Certificate | $500 · 2 years | 3.87% | APY | 2026-11-01 | since 2026-11-01 | |
| Step-Up Certificate | $500 · 2 years | 3.76% | APY | 2026-11-01 | since 2026-11-01 | |
| 30 Month Certificate | $500 · 30 months | 3.87% | APY | 2026-11-01 | since 2026-11-01 | |
| 36 Month Certificate | $500 · 3 years | 3.87% | APY | 2026-11-01 | since 2026-11-01 | |
| 48 Month Certificate | $500 · 4 years | 3.87% | APY | 2026-11-01 | since 2026-11-01 | |
| 60 Month Certificate | $500 · 5 years | 4.07% | APY | 2026-11-01 | since 2026-11-01 |
Checking
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Premier High Checking (no direct deposit) | $2,500 - $9,999.99 | 0.20% | APY | 2026-11-01 | since 2026-11-01 | |
| Premier High Checking (no direct deposit) | $10,000+ | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Premier High Rate Checking | with direct deposit · $2,500 - $9,999.99 | 0.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Premier High Rate Checking | with direct deposit · $10,000+ | 0.20% | APY | 2026-11-01 | since 2026-11-01 | |
| Rewards Checking | Non-qualifying | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Rewards Checking | $0.01 - $10,000 | 4.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Rewards Checking | Portion of balance over $10,000.00 | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Student Checking | with E-Statements · Up to $5,000 | 1.00% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.valleyfcu.com/about/member-resources/rates.html | 2026-11-02 02:33 UTC | ok | 8295992085ed |
| www.valleyfcu.com/youth/youth-share-certificates.html | — | extract-failed | |
| www.valleyfcu.com/services/member-resources/rates.html | 2026-11-02 02:33 UTC | ok | 8adb40bcfc9f |