Credit union · NCUA insured
Valley Credit Union Savings Rates
Top CarrotValley Credit Union’s best savings rate is 4.00% APY on $10,000, with its Ownership Shares. Rates checked October 22, 2026.
How Valley Credit Union’s savings rates compare
Compared with banks and credit unions near Salem, OR, where Valley Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Valley Credit Union
4.00%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $400
Ownership Shares
2nd-highest rate
WaFd Bank
3.82%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $382
3rd-highest rate
OnPoint Community Credit Union
3.75%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $375
Valley Credit Union savings score
98
Savings score
Higher than 99% of U.S. banks and credit unions
- $1,000 balance$1,0004.00%
- $10,000 balance$10,0004.00%
- $100,000 balance$100,0004.00%
- QualifiedQualified4.00%
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.
Ownership Shares
4.00%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 4.00% | $400 |
Sources (1)
- valleycu.org/Rates · captured Sep 15, 2026
Investors Plus Shares
0.50%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $24,999 | 0.50% | $50 |
| $25,000 – $49,999 | 0.75% | — |
| $50,000 – $249,000 | 1.00% | — |
| $250,000 – $500,000 | 1.25% | — |
| $500,000 and up | 1.50% | — |
High Yield Shares
0.10%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $9,999 | 0.10% | — |
| $10,000 and up | 0.10% | $10 |
Membership Shares
0.05%APY
Minimum balance requirement of $5.00 to maintain membership benefits.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $1,000 | 0.05% | — |
| $1,000 – $9,999 | 0.05% | — |
| $10,000 and up | 0.05% | $5 |
Special-purpose accounts
IRA Shares
0.25%APY
No maintenance fees. Includes Traditional, Converted Roth, Regular Roth, and Educational IRA Shares.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,499Must maintain a balance of $125.00 to earn the stated APY. | 0.25% | — | Must maintain a balance of $125.00 to earn the stated APY. |
| $2,500 – $24,999Must maintain a balance of $125.00 to earn the stated APY. | 0.25% | $25 | Must maintain a balance of $125.00 to earn the stated APY. |
| $25,000 – $49,999Must maintain a balance of $125.00 to earn the stated APY. | 0.25% | — | Must maintain a balance of $125.00 to earn the stated APY. |
| $50,000 and upMust maintain a balance of $125.00 to earn the stated APY. | 0.25% | — | Must maintain a balance of $125.00 to earn the stated APY. |
Club Accounts
0.05%APY
No account minimum / minimum balance required.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Who can join Valley Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.