Share Certificates

¹ APY=Annual Percentage Yield. APYs accurate as of the last dividend declaration date of 11.01.2026. 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 A penalty may be imposed if any funds are withdrawn from the account prior to the maturity date. 

Federally insured by NCUA.

² APY=Annual Percentage Yield. 15-Month Certificate Offer valid beginning November 1, 2026. Rate and offer are subject to change or withdrawal without notice. 15-month term. $10,000 minimum opening deposit and balance. At least 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. Early withdrawal penalties may apply. Federally insured by NCUA.