NCUA Insurance Your Valley First shares are insured up to $100,000 by the National Credit Union Association (NCUA), an independent agency of the United States Government. IRAs are separately insured up to $100,000. For answers to the most frequently asked questions about the NCUA Share Insurance Fund, click here. http://webapps.ncua.gov/Ins/ InsuredFunds/FAQ.htm To calculate your share insurance coverage, click here, for the NCUA Share Insurance Calculator. http://webapps.ncua.gov/ins/

No matter what stage of life you're experiencing, sound investing is always important. Valley First offers a variety of savings and investment options to help secure your financial future.

Basic Savings (Share) Account
A basic savings account is the key to Valley First membership.

• Competitive, tiered interest rates. The higher the balance, the higher the rate.
• A $25 minimum to open a basic savings account.
• Onetime $1 membership fee, when you join.
• A $25 balance is required to maintain membership.

Money Market Account
Earn a higher interest rate and still have access to your money when you need it.

• Free Personalized checks available upon request.
• Three FREE Withdrawals per month. There is a minimal fee for each additional withdrawal.
• A minimum daily average balance of $2,500 is required to earn dividends.
• No monthly fees or service charges.
• Free unlimited deposits.
• Funds can be conveniently accessed through Online Services and Valleyline Telephone Access.

Individual Retirement Account
IRA savings and share certificates offer an ideal way to tuck money away to ensure your financial future.

• Build your retirement nest egg with a Valley First IRA and earn tax-deferred dividends. Consult your tax advisor.
• Insured by the National Credit Union Administration up to $100,000.
• SEP IRA & Coverdell Education IRA 

Holiday Club Account
Designed to help you put aside funds for holiday expenses throughout the year. When the holidays arrive you'll be pleasantly surprised to see how much you've saved.

• Earn a higher interest rate! The Holiday Club Account earns the same rate as the highest tier of our basic savings account.
• With payroll deductions, setting money aside is a breeze.
• There is a $5 fee for withdrawals prior to the disbursement date.
• Holiday Club Savigns are disbursed in November.

US Savings Bonds
You may purchase and redeem US Savings Bonds (series I and EE) at the credit union. There is no transaction fee.

I and EE Savings Bond Comparison
I Savings Bonds FAQ
EE Savings Bonds FAQ