Regular Shares
BENEFITS THAT MAKE
EVERYDAY SAVINGS ADD UP!
With features designed for the modern saver, enjoy competitive dividends, access to your funds when you need
them, and the security of knowing your savings are protected.
Simple and Accessible Savings
With just $5, embark on a savings journey that's not just simple but accessible too. Our Regular Shares Account paves the way for immediate withdrawals, making your funds available whenever you need them.
Growth with Competitive Dividends
Your savings deserve to grow. That's why we offer competitive dividend rates, compounded and paid quarterly, ensuring your hard-earned money multiplies steadily over time.
Financial Freedom within Reach
Enjoy the convenience of a free ATM card, access to Online and Mobile Banking, and complimentary statements or eStatements. Plus, rest easy knowing your funds are federally insured up to $250,000 by the NCUA.
MAXIMIZE YOUR MEMBERSHIP WITH
ENHANCED PERKS
TAILORED TO EVERY LIFE STAGE
Whether you're saving for education, a home, or retirement, this account adapts to your life's ambitions at every turn.
SIMPLIFIED FINANCES
With no hidden fees and straightforward terms, we make savings simple so you can focus on what matters most.
Everyday Savings Rates
| 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 | $5.00 | .05% | .05% |
*Rates for savings accounts are variable and may change after the account is opened. Fees may reduce earnings.
Rates effective as of 7/1/2025.
All rates, terms and conditions subject to change.
CONVENIENCE AT EVERY STEP
Access your savings anytime, anywhere with our free ATM card and digital banking services, making it as convenient as it is sensible to save.
Our mission is to turn people’s financial possibilities into financial realities
Human Focused Banking
Experience personalized banking that puts people first, offering tailored financial solutions designed to support your goals and well-being.
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Financial Education
Empowering individuals with the knowledge and tools needed to make informed financial decisions for a brighter, more secure future.
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Community Impact
Committed to making a difference through initiatives that strengthen and support the local community where we all thrive.
Read Our Impact Report
Discover the convenience of our
MOBILE APP
Experience effortless account access and financial management anytime, anywhere.
Mobile Wallets
Easily add your credit or debit card to your favorite mobile wallets like Apple Pay®, Google Pay®, or Samsung Pay® for secure, contactless payments.
Card Management
Manage your cards with ease! Set limits and alerts, block or unblock cards and merchants, update PINs and activate or replace cards.
FREE TRANSFERS WITH ZELLE
Send and receive money quickly with Zelle®—an easy, no-fee way to transfer funds to family and friends, right from your phone.
Mobile Check Deposits
Skip the trip to the branch—snap a photo of your check and deposit it directly into your account using your smartphone, anytime, anywhere.
YOU BETTER BELIEVE THERE ARE
MEMBER BENEFITS
Discover extended perks and additional bonuses that enhance your daily engagements.
FREE CREDIT REPORTS
Keep tabs on your financial health and make informed decisions to improve your credit score.
TAX SERVICES
Simplify tax season with discounts and expert services for a hassle-free filing.
GROUP LEGAL
Navigate legal matters easily with affordable access to legal services.
AMUSEMENT PARK TICKETS
Enjoy more fun for less with exclusive discounts on amusement park tickets.
MAXIMIZE YOUR MONEY WITH
OUR SAVINGS SOLUTIONS
From everyday savings to maximized earnings, see which account suits your financial journey best.
| FEATURES AND BENEFITS | REGULAR SHARES | REGULAR CLUB | MONEY MARKET ACCOUNTS |
|---|---|---|---|
| 
| 
| |
| Minimum Opening Balance | $5 | $5 | $1,000 |
| Monthly Service Fee | $0 | $0 | $0 |
| Earns Dividends | ✓ | ✓ | ✓ |
| No Fees ATM Network Access | ✓ | ✓ | ✓ |
| Online Banking | ✓ | ✓ | ✓ |
All rates, terms and conditions subject to change. | All rates, terms and conditions subject to change. | All rates, terms and conditions subject to change. |
You can never have too much
Financial IQ
Expand your financial knowledge with tons of resources
Expert Lead Workshops
Workshops & Webinar
Attend our financial workshops to get guidance from experts and network with Valley Strong Members.
Financial Education Courses
Financial Literacy Center
Access courses to help make the most of your finances on the Valley Strong Financial Literacy Center.
Financial Articles & Success Stories
Blog
Read about fellow Valley Strong Members and learn how Valley Strong partnered in their success.
OPEN YOUR
ACCOUNT TODAY
Experience the benefits of Valley Strong's Regular Shares account that grows with you.
Apply NowExplore More
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