Valley Thrive Savings
NEW! Valley Thrive Savings Account (Ages 18 - 25)
A young adult account that supports members as they navigate college, first jobs, and major life transitions. Your twenties are full of firsts – first apartment, first career move, maybe even your first major purchase. The Valley Thrive account is designed for this pivotal decade, giving you the financial flexibility and tools you need as you build your independent life. Whether you're managing student loans, saving for a big move, building an emergency fund, or working toward your next goal, this account grows with you through every transition. With features tailored to the realities of young adult life and competitive benefits that reward your progress, Valley Thrive helps you establish the financial habits that will carry you forward for years to come.
Eligibility & Requirements:
- Maintaining a $10 minimum balance will ensure no service fees.
- Exclusively for those aged 18 – 25. The account holder must have a valid ID.1
- The account requires a completed membership application, a $5 Membership fee and a minimum opening deposit of $10.
Your twenties. Your momentum. Your account.
A young adult account that supports members as they navigate college, first jobs, and major life transitions.
Our new Valley Thrive Savings Account supports young adult account members as they navigate college, first jobs, and major life transitions.
- No direct deposit requirement
- Dividend bearing account
- Balances of $10 and above enjoy a 0.05% APY2
A journey of growth:
As you mature, so does your account. Upon turning 26, you'll graduate from our Youth Savings Program, to a Primary Share Account, designed for adults and your journey on the path of financial freedom.
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 Applicants will be screened with a Risk Management system validating: Identity Verification; Know Your Member Checks and Fraud/AML Information. Proper identification such as a State issued ID or Passport is required for Joint account holder. Minor can be identified by State ID or an alternative ID such as Birth Certificate, Social Security Card or Official school records.
2 APY=Annual Percentage Yield. APYs accurate as of the last dividend declaration date of 11.01.2026. This is a fixed rate account. Rates, terms and conditions are subject to change at 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 $1 to obtain the Annual Percentage Yield stated. See All Rates for complete details.