APY = Annual Percentage Yield. Rates effective as of August 18, 2023. Fees may reduce earnings.

CERTIFICATE SPECIAL 

6 Month Certificate - 5.01% APY*

*APY=Annual Percentage Yield. Penalty for early withdrawal. $1,000 Minimum. Limited time special!

JUMBO CERTIFICATE SPECIAL ($100,000 Minimum - New Money Only)

12 Month Certificate - 4.33% APY*

18 Month Certificate - 4.33% APY*

24 Month Step-Up Certificate - 4.33% APY*

24 Month Certificate - 4.44% APY*

36 Month Certificate - 4.65% APY*

48 Month Certificate - 4.70% APY*

60 Month Certificate - 4.85% APY*

*APY=Annual Percentage Yield. Penalty for early withdrawal. Step-Up Certificate rate can be raised 1x before maturity. New money only. Limited time special!

Rewards Checking Learn More

Balance Dividend Rate APY Minimum Required Opening Deposit
$0.01 - $10,000 2.50% 2.50% $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. **New to Valley? An additional $25 is required for your membership savings account. $5 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 $30 and credited to account on the first day of the next monthly statement cycle; (2)balances up to $10,000 receive APY of 2.50%; and (3)balances over $10,000 earn 0.05% dividend rate on the portion of the balance over $10,000, resulting in 2.50% - 0.05% APY depending on the balance. If qualifications are not met on Rewards Checking 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 one calendar month. The advertised Rewards Checking APY is based on compounding dividends. 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. Fees may reduce earnings. Rates may change after account is opened.

Rewards Savings Learn More

Balance Dividend Rate APY Minimum Required Opening Deposit
$0.01 - $20,000 0.75% 0.75% $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
  • Access online banking

*APY=Annual Percentage Yield. Rates may change after account is opened. Monthly direct deposit required to have these accounts. $5 minimum to open Rewards Checking and $1 to open Rewards Savings. $25 savings required for membership. For Rewards Checking, if qualifications are met each monthly qualification cycle ATM fees using Rewards Checking check card incurred during qualification cycle will be reimbursed up to $30 and credited to account on the first day of the next monthly statement cycle. 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 one calendar month. 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. Rates may change after account is opened.

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 $1,000+ 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 0.75% 0.75%
$10,000 - $24,999.99 Monthly Monthly 1.00% 1.00%
$25,000 - $49,999.99 Monthly Monthly 1.25% 1.26%
$50,000 - $74,999.99 Monthly Monthly 1.50% 1.51%
$75,000 - $99,999.99 Monthly Monthly 1.75% 1.76%
$100,000+ Monthly Monthly 2.00% 2.02%

*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 4.90% 5.01%
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 4.30% 4.39%
48 Month Certificate $500 48 months Monthly 4.35% 4.44%
60 Month Certificate $500 60 months Monthly 4.50% 4.59%

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

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 4.90% 5.01%
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 4.30% 4.39%
48 Month Certificate $500 48 months Monthly 4.35% 4.44%
60 Month Certificate $500 60 months Monthly 4.50% 4.59%

*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 5.74% APR*
**Recreational Vehicles Flexible Terms as low as 5.49% APR*
Fixed Rate Home Equity Up to 84 months as low as 4.99% APR*
Fixed Rate Home Equity 85 - 120 months as low as 5.74% APR*
Fixed Rate Home Equity 121 - 180 months as low as 6.24% 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=8.25% APR*) Prime + 4.74% APR*
APR* 12.99%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=8.25% APR*) Prime + 4.74% APR*
APR* 12.99%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=8.25% APR*) Prime + 6.74% APR*
APR* 14.99%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=8.25% APR*) Prime + 8.74% APR*
APR* 16.99%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=8.25% 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=8.25% APR*) Prime + 6.74% APR*
APR* 14.99%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=8.25% APR*) Prime + 6.74% APR*
APR* 14.99%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=8.25% APR*) Prime + 8.74% APR*
APR* 16.99%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=8.25% 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 8.99% 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.