Club Account
Unlock your path to achieving short-term savings goals.
Embark on a savings journey tailored to your short-term aspirations. Whether it's a dream vacation or a heartfelt wedding, our Club Account is your trusted companion in turning those aspirations into reality.
As your account matures, your funds effortlessly transition into your designated account ready for you to reap the rewards.
Opening an account is easy.
Simply visit your local branch and a Member Service Specialist will assist you in opening your Club Account.
Key features and benefits:
- Zero monthly service fee: Your savings remain untouched and free to grow.
- No minimum balance: Begin your saving expedition, no matter the size of your nest egg.
- Skip the direct deposit requirement: We keep it simple, with no direct deposit prerequisites.
- Flexible terms ranging from 3 – 12 months1: Tailor your savings timeline to your unique journey.
Rewarding returns:
Competitive 0.05% APY on any balance.2
Simple eligibility:
You must be a member of the Valley First community to open a Club Account.
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 Early withdrawal fee applies if a withdrawal is made prior to the maturity date. See Schedule of Fees for details.
2 APY=Annual Percentage Yield. APYs accurate as of the last dividend declaration date of 11.01.2026. This is a variable rate account. Rates, terms and conditions are subject to change any time after account opening, as determined by the credit union. Early withdrawal fees apply per withdrawal and may reduce earnings. For dividend-bearing accounts, dividends are calculated by the average daily balance method, which applies a periodic rate to the average daily balance in your account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. See All Rates for complete details.