Share Certificates

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Increase your earning power.

Lock in a higher rate than a traditional savings account with one of our Share Certificate options.

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Enjoy these convenient features & benefits

No Monthly
Service Fee

No Direct Deposit

Flexible Terms
from 3 – 60 Months

Competitive, Fixed Rate
Until Maturity


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Regular Certificate
0.70% APY1
On a 36-month Regular Certificate
Premium Certificate
2.60% APY1
On a 60-month Premium Certificate
Regular IRA Certificate
0.70 % APY1
On a 36-month Regular IRA Certificate
Premium IRA Certificate
2.60 % APY1
On a 60-month Premium IRA Certificate


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To establish a Share Certificate, you must be a member of the credit union and meet the minimum deposit requirement listed below.


Certificate Options

Certificates Regular Share Premium Share Regular IRA Premium IRA Adventure Savers
Ages 6-12
Ages 13-17
Minimum Deposit $1,000 $10,000 $1,000 $10,000 $250 $500

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.

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Opening an account is easy.

Simply call or visit your local branch and a Member Service Specialist will assist you in opening your Share Certificate.

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.

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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1APY=Annual Percentage Yield. APYs accurate as of the last dividend declaration date of 5/22/23. Variable rate accounts. Rates, terms and conditions are subject to change any time after account opening, as determined by the credit union, except that share certificate accounts remain fixed until maturity. 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. In order to earn the APY stated: for the Regular Share Certificate, you must maintain a minimum balance of $1,000 for the full 36-month term; for the Premium Certificate, you must maintain a minimum balance of $10,000 for the full 60-month term; for the IRA Share Certificate, you must maintain a minimum balance of $1,000 for the full 36-month term; for IRA Premium Certificate, you must maintain a minimum balance of $10,000 for the full 60-month term. A penalty may be imposed if any funds are withdrawn from the account prior to the maturity date. For complete terms, conditions and information on early withdrawal penalties, please refer to the “Share Certificate Accounts” section in our Truth-in-Savings Disclosure.

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.