Credit union · NCUA insured
Valley Credit Union CD Rates
Valley Credit Union’s best CD rate is 4.16% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Valley Credit Union’s CD rates compare
Compared with banks and credit unions near Florence, AL, where Valley Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Valley Credit Union
4.16%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $416
Certificates (CD)
Top rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
2nd-highest rate
PNC
4.25%APY
- Term
- 13 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $461
Valley Credit Union CD score
85
CD score
Higher than 70% of U.S. banks and credit unions
- 3–8 months3–8 mo3.55%
- 9–15 months9–15 mo4.16%
- 16–30 months16–30 mo3.35%
- 31–60 months31–60 mo3.45%
- QualifiedQualified4.16%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Valley Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificates (CD)
Up to 4.16%APY · 8 terms
Minimum deposit of $500 to earn stated APY. Dividends calculated based on average daily balance, compounded and credited quarterly. Option of receiving dividends paid monthly by check or deposit into designated VCU account. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.30% | $7 |
| 6 months | 3.55% | $176 |
| 12 months | 4.16% | $416 |
| 18 months | 3.15% | $476 |
| 24 months | 3.35% | $681 |
| 36 months | 3.00% | $927 |
| 48 months | 3.25% | $1,365 |
| 60 months | 3.45% | $1,848 |
Sources (3)
- valleycreditunion.net/deposit-rates
- valleycreditunion.net/retirement-savings
- valleycreditunion.net/certificates
All captured Oct 5, 2026
Special-purpose accounts
IRA Certificate
Up to 4.16%APY · 8 terms
Includes Traditional, Roth, and Education IRAs. Minimum deposit of $500 to earn stated APY. Dividends calculated based on average daily balance, compounded and credited quarterly. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.30% | $7 |
| 6 months | 3.55% | $176 |
| 12 months | 4.16% | $416 |
| 18 months | 3.15% | $476 |
| 24 months | 3.35% | $681 |
| 36 months | 3.00% | $927 |
| 48 months | 3.25% | $1,365 |
| 60 months | 3.45% | $1,848 |
Sources (1)
- valleycreditunion.net/retirement-savings · captured Oct 5, 2026
Who can join Valley Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, or attend school in Colbert, Franklin, Lawrence, Lauderdale, Marion, or Winston County, Alabama are eligible for membership.
Cost to join
- A minimum deposit of $25 in a Share Account is required to open a membership.
Membership information collected October 4, 2026.