Bank · FDIC insured
Bank of the Valley CD Rates
Bank of the Valley’s best CD rate is 4.25% APY on a 47-month CD, with extra requirements. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Bank of the Valley’s CD rates compare
Compared with banks and credit unions near Columbus, NE, where Bank of the Valley has the most branches. $10,000, best rate first.
This bank’s best
Bank of the Valley
4.25%APY
- Term
- 47 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $1,771
Certificates of Deposit
Top rate
Union Bank & Trust
4.40%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $899
2nd-highest rate
Cornerstone Bank
4.35%APY
- Term
- 15 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $547
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 4.25%APY · 14 terms
Interest compounds quarterly. Substantial penalty for early withdrawal. Open and/or Maintain a Bonus or Loyalty Checking Account to qualify for an additional .25% APY on New Certificates of Deposit (special terms excluded).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.50% | $37 |
| 6 months | 3.00% | $149 |
| 7 months7 Month Special does not qualify for the premium APY | 4.05% | $234 |
| 12 months | 2.45% | $245 |
| 13 months13 Month Special does not qualify for the premium APY | 4.15% | $450 |
| 18 months | 3.30% | $499 |
| 21 months21 Month Special does not qualify for the premium APY | 4.15% | $738 |
| 24 months | 3.35% | $681 |
| 30 months | 2.50% | $637 |
| 35 months35 Month Special does not qualify for the premium APY | 4.20% | $1,275 |
| 36 months | 3.40% | $1,055 |
| 47 months47 Month Special does not qualify for the premium APY | 4.25% | $1,771 |
| 48 months | 3.45% | $1,453 |
| 60 months | 3.50% | $1,877 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
Individual Retirement Account (IRA) Certificate of Deposit
Up to 4.25%APY · 14 terms
All Certificates of Deposit are available as IRA Investments. Interest compounds quarterly. Substantial penalty for early withdrawal. Open and/or Maintain a Bonus or Loyalty Checking Account to qualify for an additional .25% APY on New Certificates of Deposit (special terms excluded).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 1.50% | $37 |
| 6 months | 3.00% | $149 |
| 7 months7 Month Special does not qualify for the premium APY | 4.05% | $234 |
| 12 months | 2.45% | $245 |
| 13 months13 Month Special does not qualify for the premium APY | 4.15% | $450 |
| 18 months | 3.30% | $499 |
| 21 months21 Month Special does not qualify for the premium APY | 4.15% | $738 |
| 24 months | 3.35% | $681 |
| 30 months | 2.50% | $637 |
| 35 months35 Month Special does not qualify for the premium APY | 4.20% | $1,275 |
| 36 months | 3.40% | $1,055 |
| 47 months47 Month Special does not qualify for the premium APY | 4.25% | $1,771 |
| 48 months | 3.45% | $1,453 |
| 60 months | 3.50% | $1,877 |
Sources (2)
All captured Oct 5, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.