Online Banking Login

Open An Account Online!

Simply follow these easy steps:

  • Select the account you wish to open.
  • Click the Open Online button.
  • Fill out the online application.
  • Fund your account, and you're done!

Rates

Rates effective as of January 1, 2015. Rates may change after account is opened. Fees may reduce earnings.

Rewards Checking

BalanceDividend RateAPY*Minimum Required Opening Deposit
$.01-$10,000.002.00%2.00%$50

New to Valley? An additional $25 is required for your membership savings account

Portion of balance over $10,000.000.05%0.05%
Non-qualifying0.05%0.05%

Simply do the following each monthly qualification cycle:

  • Have at least 15 check card purchases post and clear
  • Have at least 1 automatic payment (ACH) or direct deposit post and clear
  • Receive free eStatements
  • Access online banking

*APY=Annual Percentage Yield. APYs accurate as of 05/01/2014. Rates may change after account is opened. $50 minimum to open Rewards Checking and $1 to open Rewards Savings. $25 savings required for membership. If qualifications are met each monthly qualification cycle: (1)ATM fees incurred using Rewards Checking check card during qualification cycle will be reimbursed up to $20 and credited to account on the last day of monthly statement cycle; (2)balances up to $10,000 receive APY of 2.00%; and (3)balances over $10,000 earn 0.05% dividend rate on the portion of the balance over $10,000, resulting in 2.00% - 0.05% APY depending on the balance. If qualifications are not met all balances earn 0.05% APY. Qualifying transactions must post to and clear Rewards Checking account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and clear account. Transfers between accounts do not count as qualifying transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Fees may reduce earnings.

Rewards Savings

BalanceDividend RateAPY*Minimum Required Opening Deposit
$0.01 - $20,000.000.50%0.50%$1.00
Portion of balance over $20,000.000.25%0.75% - 0.25%
Non-qualifying0.05%0.05%

If you qualify for Rewards Checking rewards, you automatically get the Rewards Savings rate too! Simply do the following each monthly qualification cycle:

  • Have at least 15 check card purchases post and clear
  • Have at least 1 automatic payment or direct deposit post and clear
  • Receive free eStatements
  • Access online banking

*APY=Annual Percentage Yield. APYs accurate as of 08/01/2012. Rates may change after account is opened. $1 deposit required to open Rewards Savings. Qualifying transactions must post to and clear Rewards Checking account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and clear account. Transfers between accounts do not count as qualifying transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Dividends earned in Rewards Checking is automatically transferred to Rewards Savings each statement cycle and does not compound. Actual dividend amount paid may be less than advertised Rewards Checking APY. The Rewards Savings APYs may be less than Rewards Checking APYs. If qualifications in Rewards Checking account are met each monthly qualification cycle: (1)balances up to $20,000 in Rewards Savings account receive an APY of 0.75%; and (2)balances over $20,000 in Rewards Savings account earn 0.25% dividend rate on portion of balance over $20,000, resulting in 0.75% - 0.25% APY depending on the balance. If qualifications are not met on Rewards Checking, all balances in Rewards Savings account earn 0.05% APY. Fees may reduce earnings.

Checking Accounts

Account TypeMinimum BalanceTermCompoundingDividend RateAPY*
Business CheckingNone--------
Business Interest CheckingUp to $5,000MonthlyMonthly.05%.05%
$5,000 - $25,000MonthlyMonthly.15%.15%
Above $25,000MonthlyMonthly.25%.25%
Basic CheckingNone--------
Opportunity CheckingNone--------
Student CheckingUp to $1,000MonthlyMonthly1.00%1.00%
Above $1,000--------
Classic 55 CheckingNone--------
Premier High Rate Checking (with direct deposit)

Minimum daily balance of $2500 Balances of $2500 to $9,999.99

MonthlyMonthly0.75%0.75%

Minimum daily balance of $2500 Balances of $10,000 or above

MonthlyMonthly0.25%0.25%
Premier High Checking (no direct deposit)

Minimum daily balance of $2500 Balances of $2500 to $9,999.99

MonthlyMonthly0.25%0.25%

Minimum daily balance of $2500 Balances of $10,000 or above

MonthlyMonthly0.10%0.10%

*APY=Annual Percentage Yield.


Savings Accounts

Account Type Minimum Balance Term Compounding Dividend Rate APY*
Regular Savings $25 Monthly Monthly .05% .05%
Stash Savings $25 Monthly Monthly .05% .05%
Business Savings $25 Monthly Monthly .10% .10%
Christmas Club $25 Open date thru 10/31 Non-compounding .25% .25%
Money Market Savings$1000-9,999 Monthly Monthly .05% .05%
$10,000-24,999 Monthly Monthly .10% .10%
$25,000-49,999 Monthly Monthly .10% .10%
$50,000-74,999 Monthly Monthly .15% .15%
$75,000-99,999 Monthly Monthly .20% .20%
$100,000 + Monthly Monthly .20% .20%

*APY=Annual Percentage Yield. Minimum balance $25 to earn dividends.

Term Share Certificate

Account TypeMinimum BalanceTermCompoundingDividend RateAPY*
Youth Certificate$10012 months/365 daysMonthly.30%.30%
Money Market Certificates$1,0006 months/180 daysMonthly.15%.15%
$1,0009 months/270 daysMonthly.25%.25%
Step-Up Certificate$50024 monthsMonthly.55%.55%
Small Saver Certificates$50012 months/365 daysMonthly.30%.30%
$50015 months/455 daysMonthly.35%.35%
$50018 months/545 daysMonthly.40%.40%
$50021 months/635 daysMonthly.45%.45%
$50024 months/730 daysMonthly.75%.75%
$50030 months/910 daysMonthly.80%.80%
$50036 months/1095 daysMonthly1.00%1.00%
$50048 months/1460 daysMonthly1.16%1.16%
$50060 months/1825 daysMonthly1.36%1.36%

*APY=Annual Percentage Yield. Minimum balance $25 to earn dividends.

Individual Retirement Accounts

Account TypeMinimum BalanceTermCompoundingDividend RateAPY*
IRA Variable Rate Share Acct.$25MonthlyMonthly.05%.05%
Money Market Certificates$1,0006 months/180 daysMonthly.15%.15%
$1,0009 months/270 daysMonthly.25%.25%
Step-Up Certificate$50024 months/730 daysMonthly.55%.55%
Small Saver Certificates$50012 months/365 daysMonthly.30%.30%
$50015 months/455 daysMonthly.35%.35%
$50018 months/545 daysMonthly.40%.40%
$50021 months/635 daysMonthly.45%.45%
$50024 months/730 daysMonthly.75%.75%
$50030 months/910 daysMonthly.80%.80%
$50036 months/1095 daysMonthly1.00%1.00%
$50048 months/1460 daysMonthly1.16%1.16%
$50060 months/1825 daysMonthly1.36%1.36%

*APY=Annual Percentage Yield.

Early withdrawal penalties may apply.


Current Loan Rates

Valley will work with you on an individual basis to review your financial position and find the perfect loan to fit your needs. Call us at 1-800-735-6803 or visit your nearest branch today.

*VehiclesFlexible Termsas low as 2.99%
**Recreational VehiclesFlexible Termsas low as 4.99%
*Rate not to exceed 17.99%
**The above rates are for motorhomes,5th wheels, pull trailers, campers and boats, not to exceed 17.99%.
Fixed Rate Home EquityUp to 84 monthsas low as 4.75%
Fixed Rate Home Equity85-120 monthsas low as 5.25%
Fixed Rate Home Equity121-180 monthsas low as 5.50%
Mobile Homes - Primary ResidenceUp to 180 monthsas low as 6.74%
Mobile Homes - Primary Residence181-240 monthsas low as 6.99%

Platinum Visa Credit Cards*

RangeGradeIndex (Prime=3.25%)RatesMaximumMinimumMinimum PaymentPromo Rates**
735+A+Prime + 4.74%7.99%$20,000$1,000$25 or 2% of balance -whichever is greater1.99%
700-734APrime + 4.747.99%$20,000$1,0001.99%
660-699BPrime + 6.749.99%$10,000$1,0003.99%
620-659CPrime + 8.7411.99%$5,000$5005.99%
Under 619-Secured Credit CardPrime + 9.7412.99%$3,000$500N/A

*Platinum Visa Disclosure

Platinum Visa REWARDS Credit Cards*

RANGEGRADEIndex (Prime + 3.25%)RatesMaximumMinimumMinimum PaymentPromo Rates**
735+A+Prime + 6.74%9.99%$20,000$1,000$25 or 2% of balance -whichever is greater1.99%
700-734APrime + 6.74%9.99%$20,000$1,0001.99%
660-699BPrime + 8.7411.99%$10,000$1,0003.99%
620-659CPrime + 10.7413.99%$5,000$5005.99%

*Platinum Visa Rewards Disclosure

Personal Loan Rates*

Up to 60 Mos.as low as 8.24%

Variable Loan Rates***

TypeTermAnnual Percentage Rate
Line of Credit36 months (maximum loan amount $2,000)Index WSJ Prime Rate plus margin of 4.50%
First Mortgage VariableVariable2.625% Effective 05/01/2012 (subject to change weekly)
Home Equity Line of CreditVariableas low as 3.25%

Rates determined "On Approved Credit"

Terms of repayment for a 72 month loan at a 4.74% interest rate would be $15.98 per $1,000 borrowed.

Closing costs may vary due to the type of loan.

APR may be affected by the pre-paid finance charge.

*Rate not to exceed 17.99%.

**Promo rates only apply to balance transfer

***Rates may change after account is opened.