Frequency Savings

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Saving has never been cooler.

How you handle your money now can have a huge impact on your life. If you're between the ages of 13 and 17 and want to learn how to make, save, spend, borrow, and invest money the smart way, Frequency is the financial program for you.

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Our young members can enjoy these convenient features & benefits:

No Direct Deposit

Waived Coin Processing Fee


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Balances $10+
0.05 % APY1


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This account must maintain a $10 minimum balance at all times to avoid a service fee and account closure. You must maintain a minimum balance of $10 to obtain the Annual Percentage Yield stated.

To establish a Frequency Savings Account, you must be between the ages of 13 – 17, complete a membership application, provide a valid form of ID and make a minimum opening deposit of $10. If you do not have a valid ID, then a parent or legal guardian must be a joint owner on the account.

Additional Products

In addition to a Frequency Savings Account, you may open a Purple Checking Account for everyday purchases.

What’s Next?

When you turn 18, your account will automatically convert into a Primary Share Account, giving you access to additional member products. 

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.

Learn More


Data and other wireless carrier charges may apply.


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.

Bill Pay

Easily manage and pay your bills while saving time and money with free Bill Pay.

You can set up payees, schedule payments and view recent, pending and past payments at any time.


Day or night, conveniently transfer money, check balances, make loan payments and much more by calling Valleyline, our 24-hour automated phone line.

Learn More

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Opening an account is easy.

Simply visit your local branch and a Member Service Specialist will assist you in opening a Frequency Savings Account.

Not yet a member?

You can establish membership if you meet our membership eligibility requirements and open a Primary Share Account. Learn about the many perks of membership.

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1APY=Annual Percentage Yield. APYs accurate as of the last dividend declaration date of 5/22/23. 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. Fees 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. You must maintain a minimum balance of $10 to obtain the Annual Percentage Yield stated. See All Rates for complete details.  

Savings Covered by the NCUA

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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.