Rates and Schedule of Fees
Product Rates and
Account Fees
(Download PDF Version)
| Account Name | Minimum to Open/Earn APY | Dividend Rate | Annual Percentage Yield (APY) |
|---|---|---|---|
| 6 Months Share Certificate | $1,000 | 0.399% | 0.40% |
| 12 Months Share Certificate | $1,000 | 2.031% | 2.05% |
| 18 Months Share Certificate | $1,000 | 0.995% | 1.00% |
| 24 Months Share Certificate | $1,000 | 1.144% | 1.15% |
| 36 Months Share Certificate | $1,000 | 1.500% | 1.51% |
Rates effective as of 11/01/2026. All Rates, terms, and conditions subject to change. Rates are variable and may change after the account is opened. Fees may reduce earnings.
| Account Name | Minimum to Open/Earn APY | Dividend Rate | Annual Percentage Yield (APY) |
|---|---|---|---|
| 12 Months Share Certificate | $25 | 0.05% | 0.05% |
Rates effective as of 03/01/2026. All Rates, terms, and conditions subject to change. Rates are variable and may change after the account is opened. Fees may reduce earnings.
| Account Name | Minimum to Open/Earn APY | Dividend Rate | Annual Percentage Yield (APY) |
|---|---|---|---|
| 12 Months Share Certificate | $1,000 | 0.797% | 0.80% |
| 24 Months Share Certificate | $1,000 | 1.144% | 1.15% |
| 36 Months Share Certificate | $1,000 | 1.500% | 1.51% |
Rates effective as of 03/01/2026. All Rates, terms, and conditions subject to change. Rates are variable and may change after the account is opened. Fees may reduce earnings.
| Average Daily Balance | Minimum Opening Deposit | Dividend Rate | Annual Percentage Yield (APY) |
|---|---|---|---|
| $1,000 - 9,999.99 | $1,000 | 0.15% | 0.15% |
| $10,000 - 49,999.99 | $1,000 | 0.25% | 0.25% |
| $50,000 - 99,999.99 | $1,000 | 0.349% | 0.35% |
| $100,000 - 249,999.99 | $1,000 | 0.399% | 0.40% |
| $250,000 - 499,999.99 | $1,000 | 0.549% | 0.55% |
| $500,000 and over | $1,000 | .797% | .80% |
Rates effective as of 03/01/2026. All Rates, terms, and conditions subject to change. Rates are variable and may change after the account is opened. Fees may reduce earnings.
| Average Daily Balance | Minimum Opening Deposit | Dividend Rate | Annual Percentage Yield (APY) |
|---|---|---|---|
| $999.99 and under | $5 | 0.05% | 0.05% |
| $1,000 - 4,999.99 | $5 | 0.05% | 0.05% |
| $5,000 - 9,999.99 | $5 | 0.05% | 0.05% |
| $10,000 and over | $5 | 0.05% | 0.05% |
Rates effective as of 03/01/2026. All Rates, terms, and conditions subject to change. Rates are variable and may change after the account is opened. Fees may reduce earnings.
| Account Name | Minimum to Open/Earn APY | Dividend Rate | Annual Percentage Yield (APY) | Fees and Charge |
|---|---|---|---|---|
| Makes Cents Checking | $25/ $0 | 0.00% | 0.00% | $0 Monthly Fee* |
| CentsAble Checking | $25/ $0 | 0.00% | 0.00% | $0 Monthly Fee |
| Basic Access Checking | $25/ $0 | 0.00% | 0.00% | $0 Monthly Fee |
| Grow Strong Checking | $25/ $0 | 0.00% | 0.00% | $0 Monthly Fee |
Rates effective as of 08/01/2026. All Rates, terms, and conditions subject to change. Rates are variable and may change after the account is opened. Fees may reduce earnings.
*$0 monthly fee for Members who are under the age of 20 or over the age of 60; or have a monthly direct deposit to Makes Cents Checking account, estatement enrollment, and one of the following:12 or more debit card transactions (PIN or signature point of sale) per month; an average daily balance of $3,000; an active Valley Strong mortgage, personal credit card, personal loan, or HELOC. Members who do not meet the above monthly qualifications will be charged a $5 service fee per month.
| Account Name | Minimum to Open/Earn APY | Dividend Rate | Annual Percentage Yield (APY) |
|---|---|---|---|
| Summer Pay | $0 | 0.25% | 0.25% |
| Club Account | $5 | 0.25% | 0.25% |
| IRA Club Account | $100 | 0.25% | 0.25% |
Rates effective as of 02/01/2026. All Rates, terms, and conditions subject to change. Rates are variable and may change after the account is opened. Fees may reduce earnings.
| Special Dividend Rate | Annual Percentage Yield (APY) | Terms and Conditions |
|---|---|---|
| 2.031% | 2.05% | 2.05% annual percentage yield (APY) is based on a dividend rate of 2.031%. Offer is valid as of 02/01/2026. $2,500 minimum deposit required and must be maintained to earn the promotional APY. Fees may reduce earnings. This is a variable account. Valley Strong Membership is required. Offer and rates are subject to change at any time. |
| 2.227% | 2.25% | 2.25% annual percentage yield (APY) is based on a dividend rate of 2.227%. Offer is valid as of 05/01/2026. $100,000 minimum deposit required and must be maintained to earn the promotional APY. Fees may reduce earnings. This is a variable account. Valley Strong Membership is required. Offer and rates are subject to change at any time. |
| Special Dividend Rate | Annual Percentage Yield (APY) | Terms and Conditions |
|---|---|---|
| 2.374% | 2.40% | Pricing (Kern, Kings, and Tulare Counties) |
| 3.203% | 3.25% | Pricing (San Joaquin and Solano County) |
| Special Dividend Rate | Annual Percentage Yield (APY) | Terms and Conditions |
|---|---|---|
3.687% | 3.75% | The 13-month certificate offer is effective starting 10/01/26. 3.75% annual percentage yield (APY) is based on a dividend rate of 3.687%. $1,000 minimum opening deposit. New money must be deposited to obtain promotional rate. New money is defined as funds not currently on deposit with Valley Strong Credit Union. 3.687% 3.750% After initial 13-month term, funds will automatically renew into a traditional 12 month certificate. Penalties may be assessed for early withdrawal. Fees may reduce earnings. Not valid for IRA accounts. Valley Strong Membership is required. This offer may be withdrawn at any time. |
| Fee Schedule | |
|---|---|
| Foreign ATM Transaction – non-Valley Strong ATM Machine | $1 |
Bank Wires: Incoming Outgoing | $15 $25 |
International Bank Wires: Incoming (Currently Not Accepting) Outgoing | $40 $40 |
| Non-Sufficient Funds/Overdraft Privilege/Returned Item – Including Automated Clearing House items | $14.00 per presentment |
| Stop Payment and Renewal Stop Payment | $30 |
| Check Printing Fee | Prices Vary |
| Transaction Activity Print out | $2 |
| Collection Items (incoming, outgoing, and foreign) | $15 |
| Deposit Returned by Any Financial Institution to the Credit Union | $15 |
| Dormant Account Monthly Service Charge | $3 |
| Real Estate Application Fee | $100 |
Individual Retirement Account (IRA) & Health Savings Accounts (HSA) Custodial fees at enrollment (NO LONGER OFFERED) Annual fee per plan (NO LONGER OFFERED) Transfer Out fees (NO LONGER OFFERED) | $5 $15 $10 |
| Foreign ATM Transaction – non-Valley Strong ATM Machine | $1 |
| Foreign Country Transaction Fee | 1% of purchase amount |
| Processing of Legal Documents | $30 |
| District Attorney Check Buster Request Processing | $25 |
| Skip A Loan Payment | $25 |
| Safe Deposit Boxes | |
|---|---|
| $195 | Drilling of Box by Locksmith/New Lock |
| $20 | Key Deposit |
| $11 | Key Replacement |
| $45 | Rental of 3 × 5 Box Annual Fee |
| $55 | Rental of 5 × 5 Box Annual Fee |
| $80 | Rental of 3 × 10 Box Annual Fee |
| $100 | Rental of 5 × 10 Box Annual Fee |
| $120 | Rental of 6 × 10 Box Annual Fee |
| $175 | Rental of 10 × 10 Box Annual Fee |
Rates effective as of 08/01/2026.
All rates, terms and conditions subject to change.