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Share Certificates

Compound your future

Earn a higher rate of return than regular savings accounts with short- or long-term share certificates.

With a minimum opening deposit as little as $1,000, find the share certificate option that best fits your life. Here’s what you’re looking at:

  • Short-term certificates:
    • Access your funds within 18 months or less.
    • 6-, 12-, and 18-month terms.
  • Long-term certificates:
    • The longer you wait, the higher the dividend.
    • 24- and 36-month terms.

*Early withdrawal penalties may apply.

share certificate rates
Account Name     Minimum to Open/Earn APY Dividend Rate Annual
Percentage
Yield (APY)
6 Months Share Certificate $ 1,000 / $1,000 .10% .10%
12 Months Share Certificate $ 1,000 / $1,000 .20% .20%
18 Months Share Certificate $ 1,000 / $1,000 .25% .25%
24 Months Share Certificate $ 1,000 / $1,000 .35% .35%
36 Months Share Certificate $ 1,000 / $1,000 .50% .50%
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 10/12/2021.
All rates, terms and conditions subject to change.

Our Simple Saver Certificate has a minimum opening deposit of just $25 to make it easier to start saving for your financial goals.

*Early withdrawal penalties may apply.

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 10/12/2021.
All rates, terms and conditions subject to change.

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Brokered Certificates¹

Available through the Valley Strong Retirement & Wealth Management Group.

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¹Securities offered through LPL Financial, member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates. The investment products sold through LPL Financial are not insured Valley Strong Credit Union deposits and are not NCUA insured. These products are not obligations of Valley Strong Credit Union and are not endorsed, recommended or guaranteed by Valley Strong Credit Union or any government agency. The value of the investment may fluctuate, the return on the investment is not guaranteed, and loss of principal is possible.

Valley Strong Credit Union and Valley Strong Retirement & Wealth Management Group are not registered broker/dealers and are not affiliated with LPL Financial. Valley Strong Credit Union has contracted with LPL Financial to make non-deposit investment products and services available to credit union members.