Credit union · NCUA insured
Valley Credit Union Savings Rates
Valley Credit Union’s best savings rate is 0.05% APY on $10,000, with its Regular Savings. Rates checked October 22, 2026.
How Valley Credit Union’s savings 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
1.76%APY
- Requires
- Monthly account activity
- Minimum
- $1
- Earns on $10,000 a year
- $176
Rewards Savings
Top rate
Billings Federal Credit Union
2.50%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $250
2nd-highest rate
Altana Federal Credit Union
2.00%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $200
Valley Credit Union savings score
70
Savings score
Higher than 26% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0000.05%
- QualifiedQualified1.76%
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.
Rewards Savings
Up to 1.76%APY
Links to free Rewards Checking to auto-transfer rewards. Limit of one Rewards account per member. Requires $25 minimum deposit in membership savings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceBase rate earned if monthly qualifications are not met in Rewards Checking. | 0.05% | $5 | Base rate earned if monthly qualifications are not met in Rewards Checking. |
| Up to $20,000Qualifying rate for balances up to $20,000. Requires qualifying for Rewards Checking rewards each monthly qualification cycle: at least 15 debit card purchases post and settle, at least 1 automatic payment (ACH) or direct deposit post and settle, and enrollment in eStatements. | 1.76% | $176 | Qualifying rate for balances up to $20,000. Requires qualifying for Rewards Checking rewards each monthly qualification cycle: at least 15 debit card purchases post and settle, at least 1 automatic payment (ACH) or direct deposit post and settle, and enrollment in eStatements. |
| $20,000 and upQualifying rate on portion of balance over $20,000.00 when monthly qualifications in Rewards Checking are met (15+ debit card purchases post and settle, at least 1 ACH or direct deposit post, enrolled in eStatements). | 0.25% | — | Qualifying rate on portion of balance over $20,000.00 when monthly qualifications in Rewards Checking are met (15+ debit card purchases post and settle, at least 1 ACH or direct deposit post, enrolled in eStatements). |
Regular Savings
0.05%APY
Establishes membership with Valley Credit Union. Must maintain $25 minimum balance to enjoy member benefits.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum balance $25 to earn dividends. Compounding monthly.$25 and up | 0.05% | $5 | Minimum balance $25 to earn dividends. Compounding monthly. |
Stash Savings
0.05%APY
Requires $25 minimum deposit on Regular Savings account for membership.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum balance $25 to earn dividends. Compounding monthly.$25 and up | 0.05% | $5 | Minimum balance $25 to earn dividends. Compounding monthly. |
Special-purpose accounts
Youth Savings
0.05%APY
Available for youth ages 0-18.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $500Earn 5.12% APY on the first $500. Compounding monthly. | 5.12% | — | Earn 5.12% APY on the first $500. Compounding monthly. |
| $500 – $5,000Rate on balance tier from $500.01 to $5,000. | 1.00% | — | Rate on balance tier from $500.01 to $5,000. |
| Over $5,000Rate on balance tier $5,000.01 and over. | 0.05% | $5 | Rate on balance tier $5,000.01 and over. |
Sources (3)
- valleyfcu.com
- valleyfcu.com/about/member-resources/rates.html
- valleyfcu.com/youth/youth-savings-account.html
All captured Oct 4, 2026
Christmas Club Savings
0.75%APY
Funds disbursed automatically on October 31st. Term is open date through 10/31. Early withdrawals may result in loss of dividends. $25 minimum deposit on Regular Savings account required for membership.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum balance $25 to earn dividends. Dividends credited annually; non-compounding.$25 and up | 0.75% | $75 | Minimum balance $25 to earn dividends. Dividends credited annually; non-compounding. |
Individual Retirement Accounts (IRAs)
0.25%APY
Traditional and Roth IRA options available. Traditional IRA has $25 minimum opening deposit and allows contributions at any age if member or spouse has earned income. Roth IRA subject to income eligibility limits. No monthly or annual maintenance fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upIRA Variable Rate Share Acct. Compounding monthly. No setup or maintenance fees.$25 and up | 0.25% | $25 | IRA Variable Rate Share Acct. Compounding monthly. No setup or maintenance fees. |
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.