Credit union · NCUA insured
Valley Credit Union Savings Rates
Valley Credit Union’s best savings rate is 0.60% APY on $10,000, with its Daily Money Market. Rates checked October 22, 2026.
How Valley Credit Union’s savings 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
0.60%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $60
Daily Money Market
Top rate
FirstBank
3.40%APY
- Requires
- Another account
- Minimum
- $50
- Earns on $10,000 a year
- $340
2nd-highest rate
First Southern Bank
2.00%APY
- Requires
- Monthly account activity
- Minimum
- $25
- Earns on $10,000 a year
- $200
Valley Credit Union savings score
79
Savings score
Higher than 48% of U.S. banks and credit unions
- $10,000 balance$10,0000.60%
- $100,000 balance$100,0000.60%
- QualifiedQualified0.60%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Daily Money Market
0.60%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upRequires a minimum balance of $2,500 to earn dividends.$2,500 and up | 0.60% | $60 | Requires a minimum balance of $2,500 to earn dividends. |
Sources (2)
All captured Sep 19, 2026
Special-purpose accounts
IRA Club Account
0.25%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.25% | $25 |
Sources (2)
All captured Sep 19, 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This may be incomplete or out of date, so check with the credit union before you apply.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.