Credit union · NCUA insured
Valley Credit Union CD Rates
Valley Credit Union’s best CD rate is 4.33% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Valley Credit Union’s CD rates compare
Compared with banks and credit unions near Billings, MT, where Valley Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Valley Credit Union
4.33%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $433
Term Share Certificate
Top rate
Mountain America Credit Union
4.50%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $5
- Earns on $10,000
- $920
3rd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
Valley Credit Union CD score
94
CD score
Higher than 96% of U.S. banks and credit unions
- 3–8 months3–8 mo4.07%
- 9–15 months9–15 mo4.33%
- 16–30 months16–30 mo4.18%
- 31–60 months31–60 mo4.07%
- QualifiedQualified4.33%
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.
Term Share Certificate
Up to 4.33%APY · 11 terms
Compounding monthly. Penalty for early withdrawal. $25 minimum deposit on Regular Savings account required for membership. No setup or maintenance fees.
| Term | APY · $500 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsCertificate special. Limited time special! Penalty for early withdrawal | — | 4.07% | 4.07% | $201 |
| 6 monthsCompounding monthly. A penalty applies for early withdrawal | — | 3.82% | 3.82% | $189 |
| 9 monthsCertificate special. Limited time special! Penalty for early withdrawal | — | 4.07% | 4.07% | $304 |
| 9 monthsCompounding monthly. A penalty applies for early withdrawal | — | 3.82% | 3.82% | $285 |
| 12 monthsCompounding monthly. A penalty applies for early withdrawal | 3.82% | — | 3.82% | $382 |
| 12 monthsInternational Credit Union Day Certificate Special. Limited time special! Penalty for early withdrawal | 4.33% | — | 4.33% | $433 |
| 15 monthsCompounding monthly. A penalty applies for early withdrawal | 3.82% | — | 3.82% | $480 |
| 18 monthsCompounding monthly. A penalty applies for early withdrawal | 3.82% | — | 3.82% | $578 |
| 21 monthsCompounding monthly. A penalty applies for early withdrawal | 3.82% | — | 3.82% | $678 |
| 24 monthsCertificate special. Limited time special! Penalty for early withdrawal | 4.18% | — | 4.18% | $853 |
| 24 monthsCompounding monthly. A penalty applies for early withdrawal | 3.87% | — | 3.87% | $789 |
| 30 monthsCompounding monthly. A penalty applies for early withdrawal | 3.87% | — | 3.87% | $996 |
| 36 monthsCompounding monthly. A penalty applies for early withdrawal | 3.87% | — | 3.87% | $1,207 |
| 48 monthsCompounding monthly. A penalty applies for early withdrawal | 3.87% | — | 3.87% | $1,640 |
| 60 monthsCompounding monthly. A penalty applies for early withdrawal | 4.07% | — | 4.07% | $2,208 |
Sources (2)
- valleyfcu.com/about/member-resources/rates.html
- valleyfcu.com/accounts/persona…/share-certificates.html
All captured Oct 22, 2026
Flex Certificate
3.76%APY · 1 term
Once opened, additional contributions of at least $500 can be made. Compounding monthly. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 11 monthsCompounding monthly. Once a Flex Certificate is opened, additional contributions of at least $500 can be made. Early withdrawal penalty applies | 3.76% | $344 |
Sources (1)
- valleyfcu.com/about/member-resources/rates.html · captured Oct 22, 2026
Step-Up Certificate
3.76%APY · 1 term
Compounding monthly. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsCompounding monthly. Early withdrawal penalty applies | 3.76% | $766 |
Sources (1)
- valleyfcu.com/about/member-resources/rates.html · captured Oct 22, 2026
Special-purpose accounts
IRA Certificate
Up to 4.33%APY · 11 terms
Traditional and Roth IRA options available. Compounding monthly. Early withdrawal penalties may apply. No monthly or annual maintenance fees. $25 minimum deposit on Regular Savings account required for membership.
| Term | APY · $500 and up | APY · $1,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsCompounding monthly. Early withdrawal penalties may apply | — | 3.82% | 3.82% | $189 |
| 6 monthsIRA Certificate special. Limited time special! Penalty for early withdrawal | — | 4.07% | 4.07% | $201 |
| 9 monthsCompounding monthly. Early withdrawal penalties may apply | — | 3.82% | 3.82% | $285 |
| 9 monthsIRA Certificate special. Limited time special! Penalty for early withdrawal | — | 4.07% | 4.07% | $304 |
| 12 monthsCompounding monthly. Early withdrawal penalties may apply | 3.82% | — | 3.82% | $382 |
| 12 monthsInternational Credit Union Day Certificate Special. Limited time special! Penalty for early withdrawal | 4.33% | — | 4.33% | $433 |
| 15 monthsCompounding monthly. Early withdrawal penalties may apply | 3.82% | — | 3.82% | $480 |
| 18 monthsCompounding monthly. Early withdrawal penalties may apply | 3.82% | — | 3.82% | $578 |
| 21 monthsCompounding monthly. Early withdrawal penalties may apply | 3.82% | — | 3.82% | $678 |
| 24 monthsCompounding monthly. Early withdrawal penalties may apply | 3.87% | — | 3.87% | $789 |
| 24 monthsIRA Certificate special. Limited time special! Penalty for early withdrawal | 4.18% | — | 4.18% | $853 |
| 30 monthsCompounding monthly. Early withdrawal penalties may apply | 3.87% | — | 3.87% | $996 |
| 36 monthsCompounding monthly. Early withdrawal penalties may apply | 3.87% | — | 3.87% | $1,207 |
| 48 monthsCompounding monthly. Early withdrawal penalties may apply | 3.87% | — | 3.87% | $1,640 |
| 60 monthsCompounding monthly. Early withdrawal penalties may apply | 4.07% | — | 4.07% | $2,208 |
Sources (2)
- valleyfcu.com/about/member-resources/rates.html
- valleyfcu.com/accounts/persona…ement-accounts-iras.html
All captured Oct 22, 2026
Youth Certificate
3.82%APY · 1 term
Compounding monthly. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsCompounding monthly. A penalty applies for early withdrawal | 3.82% | $382 |
Sources (2)
All captured Oct 22, 2026
IRA Step-Up Certificate
3.76%APY · 1 term
Compounding monthly. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsCompounding monthly. Early withdrawal penalties may apply | 3.76% | $766 |
Sources (1)
- valleyfcu.com/about/member-resources/rates.html · captured Oct 22, 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
- Persons who live, work, worship or attend school in, and businesses and other legal entities located in specified counties in Montana (Beaverhead, Big Horn, Broadwater, Carbon, Carter, Cascade, Chouteau, Custer, Dawson, Deer Lodge, Fallon, Fergus, Flathead, Gallatin, Garfield, Golden Valley, Jefferson, Judith Basin, Lewis and Clark, Madison, McCone, Meagher, Missoula, Musselshell, Park, Petroleum, Powder River, Powell, Prairie, Richland, Rosebud, Silver Bow, Stillwater, Sweet Grass, Treasure, Wheatland, Wibaux or Yellowstone Counties) or Park County, Wyoming are eligible to join.
Employers and groups
- Persons retired as pensioners or annuitants from qualifying employment, and organizations of such persons, are eligible to join.
Family and household
- Relatives of someone who qualifies for membership are eligible to join regardless of where they live or work, including parents, spouse, children, grandchildren, siblings, stepparents, stepchildren, stepsiblings, and adoptive relationships.
- Spouses of persons who died while within the field of membership of the credit union are eligible to join.
Cost to join
- Membership requires opening a Regular Savings account with as little as $25.
Membership information collected October 4, 2026.