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Valley Bank CD Rates for 2025

Review Updated
David Chang, ChFC®, CLU®
David Chang, ChFC®, CLU®
| 1 other [ + ]
Nathan Alderman
Fact Checked: Nathan Alderman
Nathan Alderman
Nathan Alderman
Fact checker

Nathan Alderman has been a full-time Motley Fool employee since 2005, making errors his arch-enemies in a variety of roles including a six-year stint as the dedicated fact-checker for The Motley Fool's premium newsletter services. As Motley Fool Money's Compliance Lead, he makes sure that all the site's information is accurate and up to date, which ensures we always steer readers right and keeps various financial partners happy. A graduate of Northwestern University's Medill School of Journalism, Nathan spends his spare time volunteering for civic causes, writing and podcasting for fun, adoring his wife, and wrangling his two very large young children.

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Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures that our product ratings are not influenced by compensation. APY = Annual Percentage Yield.

If maximizing your earnings is a priority, Valley Bank CD are worth your attention. Valley Bank CD offer some of the highest APY in the industry and you can open a CD with as little as $500.

In this review, we explore Valley Bank CD, how they compare to the competition, and if they are right for you.

Valley Bank CD rates for 2025

Rates as of April 22, 2025

APY = Annual Percentage Yield

Offer image for Valley Bank CD
Valley Bank CD
Bottom Line

Valley Bank has only a few CD terms available, but the offered APYs are certainly reasonable. If you're hoping to build a small CD ladder, you can even open your accounts with as little as $500 apiece.

MINIMUM DEPOSIT $500
3 Mo. APY 6 Mo. APY 1 Yr. APY 2 Yr. APY
4.10% 4.05% 4.00% 3.60%

Is a high-yield savings account a better option for you?

A high-interest savings account offers rates competitive with the best CDs accounts, but without having to lock your money away for months or even years at a time. Here are some top-rated high-yield savings account options from our experts.

Account APY Promotion Next Steps
up to 3.80%
Rate info Circle with letter I in it. SoFi members who enroll in SoFi Plus with Eligible Direct Deposit or by paying the SoFi Plus Subscription Fee every 30 days or SoFi members with $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the stated interest rate. Members without either SoFi Plus or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement. If you have satisfied Eligible Direct Deposit requirements for our highest APY but do not see 3.80% APY on your APY Details page the day after your Eligible Direct Deposit arrives, please contact us at 855-456-7634. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet. See the SoFi Plus Terms and Conditions at https://www.sofi.com/terms-of-use/#plus.
Min. to earn: $0
New customers can earn up to a $300 bonus with qualifying direct deposits!
3.60%
Rate info Circle with letter I in it. See Capital One website for most up-to-date rates. Advertised Annual Percentage Yield (APY) is variable and accurate as of April 8, 2025. Rates are subject to change at any time before or after account opening.
Min. to earn: $0
N/A
4.00%
Rate info Circle with letter I in it. Balances less than $250,000 earn 4.00%, and balances greater than $250,000 earn 4.20%.
Min. to earn: $0
N/A
Open Account for Barclays Tiered Savings

On Barclays' Secure Website.

Compare Valley Bank CD rates

Valley Bank CD offers some of the best CD rates available. Take a look at our comparison below to find the perfect CD account for you.

Rates as of April 22, 2025
Bank & CD Offer APY Term Min. Deposit Next Steps
LendingClub CD
Member FDIC.
Open Account for

On LendingClub's Secure Website.

APY:
4.10%
Term:
14 Months
Min. Deposit:
$500
Open Account for

On LendingClub's Secure Website.

Discover® Bank CD
Member FDIC.
Open Account for

On Discover Bank's Secure Website.

APY:
4.00%
Term:
1 Year
Min. Deposit:
$0
Open Account for

On Discover Bank's Secure Website.

Western Alliance Bank CD
Open Account for

On Raisin's Secure Website.

APY:
4.00%
Term:
6 Months
Min. Deposit:
$1
Open Account for

On Raisin's Secure Website.

Valley Bank CD review

Valley Bank CDs may be right for you if you are looking for a safe investment with a competitive annual percentage yield (APY). The information below will help you determine if this is the perfect choice for you.

Valley Bank Fixed Rate CDs

PROS

  • Competitive rates
  • Low minimum deposit

CONS

  • Limited CD terms
  • Need to visit a branch to open certain CDs

Valley Bank Variable Rate CD

PROS

  • Competitive rates
  • Low minimum deposit

CONS

  • Only one CD term length

You can open a 12-month CD, 6-month CD, and 19-month fixed CD online with Valley Bank. To open a longer-term CD or a CD worth more than $500,000, you will need to visit a branch. Branches are only in four states: Alabama, Florida, New Jersey, and New York, so depending on where you live, this may not be convenient.

Valley Bank also offers a unique 36-month Variable Rate CD. The Variable Rate CD floats 0.1% above the federal funds rate upper limit throughout your 36-month term. All CDs are FDIC insured, meaning funds up to $250,000 are protected in case of bank failure.

Who is a Valley Bank CD right for?

A Valley Bank CD is right for people with at least $500 to deposit into a CD account to earn high yield interest. It's also a good option for people who prefer to either bank online or live near a branch in Alabama, Florida, New Jersey, or New York.

Bottom line: Valley Bank CD rates

Valley Bank CD
  • 3 APY: 4.10%
  • 6 APY: 4.05%
  • 12 APY: 4.00%
  • 24 APY: 3.60%
Show All Rates [+] Hide All Rates [-]
Rates as of April 22, 2025

APY = Annual Percentage Yield

Term
Valley Bank CD
3 Mo.
6 Mo.
1 Yr.
2 Yr.
4.10%
4.05%
4.00%
3.60%

Our CDs methodology

At Motley Fool Money, certificates of deposit (CDs) are rated on a scale of one to five stars, primarily focusing on annual percentage yield (APY) and early withdrawal penalty fees. Our highest-rated CDs generally include competitive APYs without complex qualification tiers, low withdrawal fees, reliable brand trust and reputation, and ease of use.

Learn more about how Motley Fool Money rates bank accounts.

FAQs

  • Valley Bank offers some of the highest APYs in the industry. The bank also offers a 36-month Variable Rate CD, where the interest rate follows the federal funds rate upper limit.

  • Valley Bank has been in business since 1927 and offers CDs with some of the highest APYs. It is also FDIC insured and has branches in Alabama, Florida, New Jersey, and New York. For the right customer, yes, a Valley Bank CD is worth it.