Join Valley Credit Union

APY = Annual Percentage Yield. Rates effective as of February 1, 2024. Fees may reduce earnings.

CERTIFICATE SPECIAL 

  • 12 Month Certificate - 5.05% APY* - $500 Minimum
  • 18 Month Certificate - 4.96% APY* - $500 Minimum
  • 24 Month Certificate - 4.85% APY* - $500 Minimum

*APY=Annual Percentage Yield. Penalty for early withdrawal. Limited time special!


CERTIFICATE SPECIAL (New Money Only)

  • 36 Month Certificate - 4.49% APY* - $10,000 Minimum
  • 48 Month Certificate - 4.49% APY* - $10,000 Minimum
  • 60 Month Certificate - 4.54% APY* - $10,000 Minimum

*APY=Annual Percentage Yield. Penalty for early withdrawal. New money only. Limited time special!


 

Rewards Checking Learn More

Balance Dividend Rate APY* Minimum Required Opening Deposit
$0.01 - $10,000 4.50% 4.50% $5
Portion of balance over $10,000.00 0.05% 0.05% $5
Non-qualifying 0.05% 0.05% $5

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

*APY=Annual Percentage Yield. APYs accurate as of 3/1/2024. Rate may change after account is opened. Balances up to $10,000 receive 4.50% APY. Balances over $10,000 will receive 0.05% APY. To qualify for 4.50% APY, member must have 15+ debit card purchases post and settle in calendar month, be enrolled in eStatements, and have at least 1 ACH or direct deposit post. If monthly qualifications are not met, account earns 0.05% APY. Limit of one Rewards account per member. Max of $30/month in ATM fees refunded. Minimum opening deposits: $5 for Rewards Checking, $1 for Rewards Savings, and $25 for membership savings.

Rewards Savings Learn More

Balance Dividend Rate APY* Minimum Required Opening Deposit
$0.01 - $20,000 1.75% 1.76% $1.00
Portion of balance over $20,000.00 0.25% 0.25% $1.00
Non-qualifying 0.05% 0.05% $1.00

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

*APY=Annual Percentage Yield. APYs accurate as of 3/1/2024. Rates may change after account is opened. Balances up to $20,000 receive 1.76% APY. Balances over $20,000 will receive 0.25% APY. To qualify for 1.76% APY, member must have 15+ debit card purchases post and settle in calendar month, be enrolled in eStatements, and have at least 1 ACH or direct deposit post. If monthly qualifications are not met, account earns 0.05% APY. Limit of one Rewards account per member. Max of $30/month in ATM fees refunded. Minimum opening deposits: $5 for Rewards Checking, $1 for Rewards Savings, and $25 for membership savings. Fees may reduce earnings.

Checking Accounts

Account Type Minimum Balance Term Compounding Dividend Rate APY*
Basic Business Checking None N/A N/A N/A N/A
Business Dividend Checking*** Up to $9,999.99 Monthly Monthly 0.10% 0.10%
Business Dividend Checking*** $10,000 - $49,999.99 Monthly Monthly 0.25% 0.25%
Business Dividend Checking*** $50,000 - $99,999.99 Monthly Monthly 1.00% 1.00%
Business Dividend Checking*** $100,000+ Monthly Monthly 1.65% 1.66%
Basic Checking None N/A N/A N/A N/A
Student Checking (with E-Statements) Up to $5,000 Monthly Monthly 1.00% 1.00%
Student Checking $5,000+ N/A N/A N/A N/A
Classic 55 Checking None N/A N/A N/A N/A
Premier High Rate Checking (with direct deposit)** $2,500 - $9,999.99 Monthly Monthly 0.50% 0.50%
Premier High Rate Checking (with direct deposit)** $10,000+ Monthly Monthly 0.20% 0.20%
Premier High Checking (no direct deposit)** $2,500 - $9,999.99 Monthly Monthly 0.20% 0.20%
Premier High Checking (no direct deposit)** $10,000+ Monthly Monthly 0.10% 0.10%

*APY=Annual Percentage Yield. **Minimum daily balance of $2,500. Fees may reduce earnings. Rates may change after account is opened. ***Minimum daily balance of $5,000.

Savings Accounts

 

Account Type Minimum Balance Term Compounding Dividend Rate APY*
Regular Savings $25 Monthly Monthly 0.05% 0.05%
Youth Savings   Monthly Monthly 5.00% 5.12%***
Stash Savings $25 Monthly Monthly 0.05% 0.05%
Business Savings $25 Monthly Monthly 0.15% 0.15%
Christmas Club** $25 Open Date Through 10/31 Non-compounding 0.75% 0.75%

*APY=Annual Percentage Yield. Minimum balance $25 to earn dividends. Fees may reduce earnings. Rates may change after account is opened.
**Christmas Club's dividends are credited annually
***Earn 5.12% APY on the first $500. Rate of 1.00% APY on amounts between $500.01 to $5,000 and a rate of 0.05% APY on $5,000.01 and over. 

Money Market Savings/Business Money Market Learn More

Minimum Balance Term Compounding Dividend Rate APY*
$1,000 - $9,999.99 Monthly Monthly 1.00% 1.00%
$10,000 - $24,999.99 Monthly Monthly 1.25% 1.26%
$25,000 - $49,999.99 Monthly Monthly 1.50% 1.51%
$50,000 - $74,999.99 Monthly Monthly 1.75% 1.76%
$75,000 - $99,999.99 Monthly Monthly 2.00% 2.02%
$100,000+ Monthly Monthly 2.25% 2.27%

*APY=Annual Percentage Yield. Minimum balance $1,000 to earn dividends. Fees may reduce earnings. Rates may change after account is opened.

Term Share Certificate Learn More

Account Type Minimum Balance Term Compounding Dividend Rate APY*
Youth Certificate $100 12 months Monthly 4.00% 4.07%
6 Month Certificate $1,000 6 months Monthly 4.00% 4.07%
9 Month Certificate $1,000 9 months Monthly 4.00% 4.07%
11 Month Flex Certificate** $500 11 months Monthly 3.90% 3.94%
12 Month Certificate $500 12 months Monthly 4.00% 4.07%
15 Month Certificate $500 15 months Monthly 4.00% 4.07%
18 Month Certificate $500 18 months Monthly 4.00% 4.07%
21 Month Certificate $500 21 months Monthly 4.00% 4.07%
24 Month Certificate $500 24 months Monthly 4.10% 4.18%
Step-Up Certificate $500 24 months Monthly 4.00% 4.07%
30 Month Certificate $500 30 months Monthly 4.10% 4.18%
36 Month Certificate $500 36 months Monthly 4.15% 4.23%
48 Month Certificate $500 48 months Monthly 4.15% 4.23%
60 Month Certificate $500 60 months Monthly 4.20% 4.28%

*APY=Annual Percentage Yield. A penalty applies for early withdrawal.

**Once a Flex Certificate is opened, additional contributions of at least $500 can be made. 

Individual Retirement Accounts Learn More

Account Type Minimum Balance Term Compounding Dividend Rate APY*
IRA Variable Rate Share Acct. $25 Monthly Monthly 0.25% 0.25%
6 Month Certificate $1,000 6 months Monthly 4.00% 4.07%
9 Month Certificate $1,000 9 months Monthly 4.00% 4.07%
12 Month Certificate $500 12 months Monthly 4.00% 4.07%
15 Month Certificate $500 15 months Monthly 4.00% 4.07%
18 Month Certificate $500 18 months Monthly 4.00% 4.07%
21 Month Certificate $500 21 months Monthly 4.00% 4.07%
24 Month Certificate $500 24 months Monthly 4.10% 4.18%
Step-Up Certificate $500 24 months Monthly 4.00% 4.07%
30 Month Certificate $500 30 months Monthly 4.10% 4.18%
36 Month Certificate $500 36 months Monthly 4.15% 4.23%
48 Month Certificate $500 48 months Monthly 4.15% 4.23%
60 Month Certificate $500 60 months Monthly 4.20% 4.28%

*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 (406)656-9100 or visit your nearest branch today.

Type Terms Annual Percentage Rate (APR)
Vehicles Flexible Terms as low as 6.24% APR*
**Recreational Vehicles Flexible Terms as low as 6.24% APR*
Fixed Rate Home Equity Up to 84 months as low as 6.24% APR*
Fixed Rate Home Equity 85 - 120 months as low as 6.99% APR*
Fixed Rate Home Equity 121 - 180 months as low as 7.49% APR*
Mobile Homes - Primary Residence 121 - 180 months as low as 7.74% APR*
Mobile Homes - Primary Residence 181 - 240 months as low as 7.99% APR*

*APR=Annual Percentage Rate. Rate is with automatic payment. Subject to credit criteria.

**The above rates are for motor homes, 5th wheels, pull trailers, and campers, not to exceed 17.99%.

Platinum Visa® Credit Cards* Learn More

735+
Grade A+
Index (Prime=8.50% APR*) Prime + 4.74% APR*
APR* 13.24%1
Maximum $20,000
Minimum $1,000
Minimum Payment $25 or 2% of balance (whichever is greater)
Promo APR** 1.99%
700–734
Grade A
Index (Prime=8.50% APR*) Prime + 4.74% APR*
APR* 13.24%1
Maximum $20,000
Minimum $1,000
Minimum Payment $25 or 2% of balance (whichever is greater)
Promo APR** 1.99%
660–699
Grade B
Index (Prime=8.50% APR*) Prime + 6.74% APR*
APR* 15.24%1
Maximum $10,000
Minimum $1,000
Minimum Payment $25 or 2% of balance (whichever is greater)
Promo APR** 3.99%
620–659
Grade C
Index (Prime=8.50% APR*) Prime + 8.74% APR*
APR* 17.24%1
Maximum $5,000
Minimum $500
Minimum Payment $25 or 2% of balance (whichever is greater)
Promo APR** 5.99%
Under 619 & Secured Credit Cards
Grade  
Index (Prime=8.50% APR*) Prime + 12.74% APR*
APR* 17.99%1
Maximum $3,000
Minimum $500
Minimum Payment  $25 or 2% of balance (whichever is greater)
Promo APR** N/A

1-Rate not to exceed 17.99%.

*Annual Percentage Rate.

**Annual Percentage Rate. Promo rates only apply to balance transfer

View the Visa® Disclosures.

Platinum Visa® REWARDS Credit Cards* Learn More

735+
Grade A+
Index (Prime=8.50% APR*) Prime + 6.74% APR*
APR* 15.24%1
Maximum $20,000
Minimum $1,000
Minimum Payment $25 or 2% of balance (whichever is greater)
Promo APR** 1.99%
700–734
Grade A
Index (Prime=8.50% APR*) Prime + 6.74% APR*
APR* 15.24%1
Maximum $20,000
Minimum $1,000
Minimum Payment $25 or 2% of balance (whichever is greater)
Promo APR** 1.99%
660–699
Grade B
Index (Prime=8.50% APR*) Prime + 8.74% APR*
APR* 17.24%1
Maximum $10,000
Minimum $1,000
Minimum Payment $25 or 2% of balance (whichever is greater)
Promo APR** 3.99%
620–659
Grade C
Index (Prime=8.50% APR*) Prime + 10.74% APR*
APR* 17.99%1
Maximum $5,000
Minimum $500
Minimum Payment $25 or 2% of balance (whichever is greater)
Promo APR** 5.99%

1-Rate not to exceed 17.99%.

*Annual Percentage Rate.

**Annual Percentage Rate. Promo rates only apply to balance transfer

View the Visa® Disclosures.

Personal Loan Rates Learn More

Up to 60 months as low as 9.74% APR*

*APR=Annual Percentage Rate. Rate not to exceed 17.99%. Rate is with automatic payment.

Variable Loan Rates***

Type Term Annual Percentage Rate (APR)
Line of Credit 36 months Index WSJ Prime Rate plus margin of 4.50%
Home Equity Line of Credit Variable as low as 8.50%

Rates determined "On Approved Credit"

Account is required for a loan.

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.