5-Month Certificate
Earn 4.00% APY on a 5-Month Certificate
A limited-time Special Premium Certificate & Premium IRA Certificate – exclusively for Valley First members.
4.00% APY1 | 5-Month Term | $10,000 Minimum Deposit | 50% Opening Deposit Must be New Money
Grow your savings faster with a competitive 4.00% APY 5-Month Premium Certificate or Premium IRA Certificate when you open this special certificate using $10,000 or more in new money. It’s a smart, short-term way to earn greater dividends with confidence.
Offer Details
- 4.00% APY for 5 months
- Minimum opening balance: $10,000
- 50% of opening deposit in new money (funds not on deposit at Valley First Credit Union in the 30 days prior to certificate opening)
Offer available beginning September 7, 2026. Rate and offer are subject to change or withdrawal without notice.
Opening an account is easy.
Visit your local branch and a Member Service Specialist will assist you in opening your Share Certificate.
Competitive, Fixed Rate
Until Maturity
Flexible Terms
from 3 – 60 Months
No Monthly
Service Fee
Certificate Options
Traditional Certificates
Regular Share
$1,000 Minimum
Premium Share
$10,000 Minimum
IRA Certificates
Regular IRA
$1,000 Minimum
Premium IRA
$10,000 Minimum
Youth Certificates
Moo-La (Ages 6-12)
$250 Minimum
Grow Forward (Ages 13-17)
$500 Minimum
At maturity, you can withdraw funds without penalty by calling or visiting your local branch. You may then choose to transfer the funds to a savings or checking, or make a cash or check withdrawal.
Eligibility Requirements:
- Must have a Valley First primary share
- Minimum balance of $10,000
50% of opening deposit in new money
At Maturity
Enjoy a 10-day grace period to add, withdraw, or make changes without penalty. Otherwise, certificate will roll over to a 6-Month Premium Certificate.
Free 24/7 Services
Online & Mobile Banking
Free, secure access to your account anywhere, anytime. Make transfers, check balances, and apply for loans at your convenience. Enrolling is fast and easy.
Get started today and enjoy our user-friendly Online & Mobile Banking.
Data and other wireless carrier charges may apply.
Learn More
eStatements
Reduce paper clutter and the hassle of shredding sensitive account information with eStatements.
Conveniently access statements and important notices when you need them within our secure Online & Mobile Banking.
Savings Covered by the NCUA
At Valley First, your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. Learn more about Share Insurance Coverage provided by the National Credit Union Administration.
1 APY=Annual Percentage Yield. 5-Month Certificate offer available beginning September 7, 2026. Rate and offer are subject to change or withdrawal without notice.. Minimum $10,000 opening deposit. 50% of opening deposit must be new money. New money is defined as funds not on deposit at Valley First Credit Union in the 30 days prior to the certificate/IRA certificate account opening. Valley First primary share and membership required. To join, you must be in our field of membership, meet other eligibility requirements, open a primary share account with at least $25, and pay a one-time $5 membership fee. Federally insured by NCUA. Early withdrawal penalties may apply.