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Rates

Savings and loan rates

Avoid unplanned financial surprises in the future.

Read up on all the information necessary to make the best savings and loan choices.

Certificates

  • Share Certificates

    share certificate rates
    Account Name     Minimum to Open/Earn APY Dividend Rate Annual
    Percentage
    Yield (APY)
    6 Months Share Certificate $ 1,000 / $1,000 .40% .40%
    12 Months Share Certificate $ 1,000 / $1,000 .80% .80%
    18 Months Share Certificate $ 1,000 / $1,000 1.00% 1.00%
    24 Months Share Certificate $ 1,000 / $1,000 1.15% 1.15%
    36 Months Share Certificate $ 1,000 / $1,000 1.50% 1.51%
    See your Valley Strong Truth-In-Savings Disclosure (About Your Credit Union Accounts) for the dividend compounding method of calculating dividends, early withdrawal penalties and general terms and conditions. There is a 10-day grace period after maturity to make changes/withdrawals with no penalty.

    Rates effective as of 2/1/2023.
    All rates, terms and conditions subject to change.

  • 12-month Simple Saver Certificate

    simple saver certificate rates
    Account Name Minimum to Open/Earn APY Dividend Rate Annual Percentage Yield (APY)
    12 Months Simple Saver Certificate $25 / $25 .05% .05%
    Fees may reduce earnings. Early withdrawal penalties may apply. A minimum of $25 must be deposited monthly to the  Simple Saver Certificate through some form of automated transaction (e.g. payroll deduction or automatic transfer).

    Rates effective as of 2/1/2023.
    All rates, terms and conditions subject to change.

  • Traditional/Roth/Coverdell/IRA Certificates

    Traditional/Roth/Coverdell/IRA Certificates
    Account Name Minimum to Open/Earn APY Dividend Rate Annual
    Percentage
    Yield (APY)
    12 Months Traditional/Roth/Coverdell/ IRA Certificate $1,000 / $1,000 .80% .80%
    24 Months Traditional/Roth/Coverdell/ IRA Certificate $1,000 / $1,000 1.15% 1.16%
    36 Months Traditional/Roth/Coverdell/ IRA Certificate $1,000 / $1,000 1.50% 1.51%
    See your Valley Strong Truth-In-Savings Disclosure (About Your Credit Union Accounts) for the dividend compounding method of calculating dividends, early withdrawal penalties and general terms and conditions. There is a 10-day grace period after maturity to make changes/withdrawals with no penalty.

    Rates effective as of 2/1/2023.
    All rates, terms and conditions subject to change.

Savings

  • Health Savings Account (Club or Checking)

    HEALTH SAVINGS Account Rates
    Account Name Minimum To Open/Earn APY Dividend Rate* Annual Percentage Yield (APY)
    Health Savings Account (Club or Checking) NO LONGER OFFERED $100 / $0 .25% .25%
    *Rates for savings accounts are variable and may change after the account is opened. Fees may reduce earnings.

  • Money Market Accounts

    money market ACCOUNTS
    Account Name Minimum To Open/Earn APY Dividend Rate* Annual Percentage Yield (APY)
    $1,000.00 - $9,999.99 $1,000 / $1,000 .15% .15%
    $10,000.00 - $49,999.99 $1,000 / $1,000 .25% .25%
    $50,000.00 - $99,999.99 $1,000 / $1,000 .35% .35%
    $100,000.00 - $249,999.99 $1,000 / $1,000 .50% .50%
    $250,000.00 - $499,999.99 $1,000 / $1,000 .75% .75%
    $500,000.00 and over $1,000 / $1,000 1.00% 1.01%
    *Rates for savings accounts are variable and may change after the account is opened. Fees may reduce earnings.

    Rates effective as of 2/1/2023.
    All rates, terms and conditions subject to change.

  • Summer Pay Accounts

    Summer Pay Account Rates
    Account Name Minimum To Open/Earn APY Dividend Rate* Annual Percentage Yield (APY)
    Summer Pay Account $0 / $0 .25% .25%
    *Rates for savings accounts are variable and may change after the account is opened. Fees may reduce earnings.

    Rates effective as of 2/1/2023.
    All rates, terms and conditions subject to change.

  • Club/IRA Account

    Club Account Rates
    Account Name Minimum To Open/Earn APY Dividend Rate* Annual Percentage Yield (APY)
    Club Account $5 / $5 .25% .25%
    IRA Club Account $100 / $100 .25% .25%
    *Rates for savings accounts are variable and may change after the account is opened. Fees may reduce earnings.

    Rates effective as of 2/1/2023.
    All rates, terms and conditions subject to change.

  • Share Accounts

    SHARE ACCOUNTS
    Account Name Minimum
    Opening/Earn APY    		 Dividend Rate* Annual
    Percentage Yield (APY)
     
    Share Accounts thru $999.99 $5 / $5 .05% .05%
    Share Accounts $1,000 thru $4,999.99 $5 / $5 .05% .05%
    Share Accounts $5,000 thru $9,999.99 $5 / $5 .05% .05%
    Share Accounts $10,000 and Over $5 / $5 .05% .05%
    *Rates for savings accounts are variable and may change after the account is opened. Fees may reduce earnings.

    Rates effective as of 2/1/2023.
    All rates, terms and conditions subject to change.

Checking

  • CentsAble Checking

    CHECKING
    Account Name     Minimum to Open/Earn APY Dividend Rate Annual
    Percentage
    Yield (APY)    		 Fees and Charges
    CentsAble Checking $25 / $0 .00% .00% 0
    Rates for checking accounts are variable and may change after the account is opened. Fees may reduce earnings.

  • Makes Cents Checking

     makes-cents-checking

    CHECKING
    Account Name     Minimum to Open/Earn APY Dividend Rate Annual
    Percentage
    Yield (APY)    		 Fees and Charges
    Makes Cents Checking $25 / $0 .00% .00% $5*
    (Fee waived when conditions are met)
    *$5 Fee Waived, 1. Under the age of 20 or over the age of 60 (No other requirements are needed) or meet all 3 requirements, 1) Have monthly direct deposit + 2) Enrolled in eStatements + 3) have one of the following, A) Maintain $3,000 in daily average balance, B) Have at least 12 card transactions per month (Excludes ATM transactions) C) Have a active Mortgage, Credit Card, Personal Loan, or HELOC with Valley Strong. All rates, terms and conditions subject to change.

  • Kappa Checking Account

    CHECKING
    Account Name     Minimum to Open/Earn APY Dividend Rate Annual
    Percentage
    Yield (APY)    		 Fees and Charges
    Kappa Checking Account (ages 11 through 17) $25 / $0 .00% .00%  
    Rates for checking accounts are variable and may change after the account is opened. Fees may reduce earnings.

Loans

  • New Auto
    Maximum Repayment Minimum Loan Amount Fixed Rate Annual Percentage Rates Estimated Payment
    per $1,000 Borrowed
    Maximum Terms May Vary   Lowest – Highest Lowest – Highest
    Up to 48 mo. N/A 5.75% – 25.00% $23.37 – $33.16
    66 mo. $10,000 6.25% – 25.50% $17.94 – $28.32
    75 mo.  $15,000 6.75% – 25.50% $16.38 – $26.78
    84 mo.  $25,000 7.50% – 25.50% $15.34 – $25.63
    New Auto Rates apply to model years 2024 - 2020.
    Rates and terms will vary based on the credit worthiness of individual applicants.
    Rates Effective As 09/01/2023.
    All rates, terms and conditions subject to change.

  • Used Auto
    Maximum Repayment Minimum Loan Amount Fixed Rate Annual Percentage Rates Estimated Payment
    per $1,000 Borrowed
    Maximum Terms May Vary   Lowest – Highest Lowest – Highest
    Up to 48 mo. N/A 6.25% – 26.50% $23.60 – $34.00
    66 mo. $10,000 6.75% – 27.00% $18.18 – $29.23
    75 mo.  $15,000 7.25% – 27.00% $16.62 – $27.73
    84 mo.  $25,000 8.00% – 27.00% $15.59 – $26.60

    Rates and terms will vary based on the credit worthiness of individual applicants.
    Rates Effective As 09/01/2023.
    All rates, terms and conditions subject to change.

  • Motorcycle/Off-Road ATV
    New Motorcycle/Off-Road ATV Loan Rates
    Maximum Repayment Minimum Loan Amount Fixed Rate Annual Percentage Rates Estimated Payment
    per $1,000 Borrowed
    Maximum Terms May Vary   Lowest – Highest Lowest – Highest
    Up to 36 mo. N/A 7.00% – 19.75% $30.88 – $37.04
    48 mo. N/A 8.00% – 19.75% $24.41 – $30.30
    60 mo.  $10,000 8.00% – 19.75% $20.28 – $26.35
    72 mo.  $20,000 8.50% – 19.75% $17.78 – $23.81
           
    Used Motorcycle/Off-Road ATV Loan Rates
    Maximum Repayment Minimum Loan Amount Fixed Rate Annual Percentage Rates Estimated Payment
    per $1,000 Borrowed
    Maximum Terms May Vary   Lowest – Highest Lowest – Highest
    Up to 36 mo. N/A 8.00% – 19.75% $31.34 – $37.04
    48 mo. N/A 9.00% – 19.75% $24.89 – $30.30
    60 mo.  $10,000 9.00% – 19.75% $20.76 – $26.35
    72 mo.  $20,000 9.50% – 19.75% $18.27 – $23.81

    Rates and terms will vary based on the credit worthiness of individual applicants.
    Rates Effective As 09/01/2023.
    All rates, terms and conditions subject to change.

  • RV / Motor Home / Cargo Trailer
    New Recreational* Vehicle Loan Rates
    Maximum Repayment Minimum Loan Amount Fixed Rate Annual Percentage Rates Estimated Payment
    per $1,000 Borrowed
    Maximum Terms May Vary   Lowest – Highest Lowest – Highest
    36 mo. N/A 7.50% – 19.75% $31.11 – $37.04
    48 mo. N/A 8.50% – 19.75% $24.65 – $30.30
    84 mo.  $10,000 8.50% – 19.75% $15.84 – $22.06
    96 mo.  $20,000 9.50% – 19.75% $14.91 – $20.80
    120 mo. $30,000 10.50% – 19.75% $13.49 – $19.16
    144 mo. $50,000 11.50% – 19.75% $12.83 – $18.19
    180 mo. $75,000 12.00% – 19.75% $12.00 – $17.38
           
    Used Recreational* Vehicle Loan Rates
    Maximum Repayment Minimum Loan Amount Fixed Rate Annual Percentage Rates Estimated Payment
    per $1,000 Borrowed
    Maximum Terms May Vary   Lowest – Highest Lowest – Highest
    36 mo. N/A 8.00% – 19.75% $31.84– $37.04
    48 mo. N/A 9.00% – 19.75% $24.89– $30.30
    84 mo.  $10,000 9.00% – 19.75% $16.09– $22.06
    96 mo.  $20,000 10.00% – 19.75% $15.17– $20.80
    120 mo. $30,000 11.00% – 19.75% $13.78– $19.16
    144 mo. $50,000 12.00% – 19.75% $13.13– $18.19
    180 mo. $75,000 12.50% – 19.75% $12.33– $17.38
    Rates and terms will vary based on the credit worthiness of individual applicants.
    *Recreational Vehicle/Motor Homes must contain living and sleeping facilities.
    Collateral conditions apply.
    Rates Effective As 09/01/2023.
    All rates, terms and conditions subject to change.

  • Watercraft
    New Watercraft Loan Rates
    Maximum Repayment Minimum Loan Amount Fixed Rate Annual Percentage Rates Estimated Payment
    per $1,000 Borrowed
    Maximum Terms May Vary   Lowest – Highest Lowest – Highest
    36 mo. N/A 7.75% – 18.75% $31.22– $36.53
    48 mo. N/A 8.75% – 19.75% $24.77– $30.30
    60 mo.  $10,000 8.75% – 19.75% $20.64– $26.35
    72 mo.   $10,000 9.75% – 19.75% $18.40– $23.81
    84 mo. $15,000 10.75% – 19.75% $16.99– $22.06
    96 mo. $30,000 11.25% – 19.75% $15.84– $20.80
    120 mo. $50,000 11.75% – 19.75% $14.20– $19.16
    Used Watercraft Loan Rates
    Maximum Repayment Minimum Loan Amount Fixed Rate Annual Percentage Rates Estimated Payment
    per $1,000 Borrowed
    Maximum Terms May Vary   Lowest – Highest Lowest – Highest
    36 mo. N/A 8.25% – 19.75% $31.45– $37.04
    48 mo. N/A 9.25% – 19.75% $25.00– $30.30
    60 mo.  $10,000 9.25% – 19.75% $20.88– $26.35
    72 mo.   $10,000 10.25% – 19.75% $18.65– $23.81
    84 mo. $15,000 11.25% – 19.75% $17.25– $22.06
    96 mo. $30,000 11.75% – 19.75% $16.12– $20.80
    120 mo. $50,000 12.25% – 19.75% $14.49– $19.16
    Rates and terms will vary based on the credit worthiness of individual applicants.
    Rates Effective As 09/01/2023.
    All rates, terms and conditions subject to change.

Personal Loans

  • Smart Personal
    Personal loan rates
    CONSUMER LOANS Maximum Repayment Fixed Rate Annual Percentage Rates Estimated Payment per $1,000 Borrowed
    Smart Personal Loan: Maximum: $20,000 60 Mo. Lowest - Highest
    13.25% - 23.00%    		 Lowest - Highest
    $22.88 - $28.19

    Rates and terms will vary based on the credit worthiness of individual applicants.
    Rates Effective As 09/01/2023.
    All rates, terms and conditions subject to change.

  • Ready Line of Credit
    Ready cash line of credit rates
    CONSUMER LOANS Maximum Repayment Non-Variable Annual Percentage Rates Estimated Payment per $1,000 Borrowed
    Ready Cash Line of Credit/ Overdraft Protection N/A Lowest - Highest
    15.75% - 23.00%**    		 $30*

    **Rates and terms will vary based on the credit worthiness of individual applicants.
    *Your monthly payment will be 3% of the monthly balance with a minimum of $25. There is no grace period and interest will begin to accrue on the date of the transaction or advance.
    Rates Effective As 09/01/2023.
    All rates, terms and conditions subject to change.

  • Secured
    Share/Savings secured loan rates
    TYPE OF LOAN Maximum Loan Amount Maximum Repayment Fixed Rate Annual Percentage Rates Estimated Payment per $1,000 Borrowed
    Share Certificate Up to 100% of share certificate Not to exceed maturity date of certificate 8.50% $31.57¹
    Savings Secured Up to 100% of the available shares 144 Mo. 8.50% $11.10²
             
    Rates and terms will vary based on the credit worthiness of individual applicants. ¹Payment per $1000 is based on a 36 month term with an APR of 5.00%.
    ²Payment per $1000 based on a 144 month term with an APR of 5.00%.
    Rates Effective As 09/01/2023.
    All rates, terms and conditions subject to change.

  • Personal Plus Loan

    Personal Plus loan rates
    Repayment Terms Loan Amount Fixed Rate Annual Percentage Rates2 Estimated Payment per $1,000.00
        Lowest – Highest Lowest – Highest
    Up to 60 months < $10,000 13.25% - 23.00% $22.88 - $28.19
    Up to 120 months $10,000 - $35,000 13.25% - 23.00% $15.08- $21.35
     

    Rates Effective As 09/01/2023.
    All rates, terms and conditions subject to change.

    Account must be in good standing. Proof of income and credit approval required.
    *Loan is unsecured and is not a mortgage product. Proof of home ownership required. Limit one per household.
    1No other discounts may apply. 
    2Rates and terms will vary based on the credit worthiness of individual applicants.

Mortgage Loans Rates and Terms

 

Adjustable Rate* Home Loans

Home Equity Loans

 

  • Powerhouse

    HOME EQUITY LOAN RATES - Powerhouse
    FICO / CLTV < 60 >60-70 >70-80
    >= 760      
    10 Year Term 8.375% 8.875% 9.625%
    15 Year Term 8.750% 9.250% 10.000%
    20 Year Term 9.125% 9.625% 10.375%
    720 - 759      
    10 Year Term 8.625% 9.125% 9.875%
    15 Year Term 9.000% 9.500% 10.250%
    20 Year Term 9.375% 9.875% 10.625%
    660 - 719      
    10 Year Term 8.875% 9.625% 10.375%
    15 Year Term 9.250% 10.000% 10.750%
    20 Year Term 9.625% 10.375% 11.125%
    620 - 659      
    10 Year Term 9.125% 10.125% 11.375%
    15 Year Term 9.500% 10.500% 11.750%
    20 Year Term 9.875% 10.875% 12.125%

     *Rates and terms will vary based on the creditworthiness of individual applicants.
    Rates Effective As Of: 09/01/2023.

  • Prime Equity Line of Credit
    HOME EQUITY LOAN RATES - Heloc
    FICO / CLTV < 60 >60-70 >70-80
    >= 760 8.500% 9.000% 9.500%
    720 - 759 8.750% 9.500% 10.000%
    660 - 719 9.000% 9.750% 10.500%
    620 - 659 10.000% 10.500% 12.000%

    *Rates and terms will vary based on the creditworthiness of individual applicants.
    Rates Effective As Of: 08/01/2023.