Bank · FDIC insured
Valley Direct CD Rates
Valley Direct’s best CD rate is 4.10% APY on a 6-month CD. Rates checked October 25, 2026.
How Valley Direct’s CD rates compare
Compared with banks and credit unions nationwide. $10,000, best rate first.
This bank’s best
Valley Direct
4.10%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $203
Certificates of Deposit
Top rate
SouthPoint Financial Credit Union
9.00%APY
- Term
- 9 months
- Minimum
- —
- Earns on $10,000
- $668
2nd-highest rate
First Federal Credit Union.
7.30%APY
- Term
- 3 months
- Minimum
- $5,000
- Earns on $10,000
- $198
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
4.10%APY · 1 term
Accounts opened online through Valley Direct only. Consumer accounts only. Early withdrawal penalties may be imposed and fees could reduce earnings and/or principal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsFixed rate for 6-month CD promotion. $500 minimum daily balance is required to obtain the advertised APY. Must be opened with a new money deposit (funds from an external funding source not presently on deposit in any other Valley National Bank account including Valley Direct accounts and certificates of deposit). APY is guaranteed for the entire term. Early withdrawal penalties may be imposed and fees could reduce earnings and/or principal | 4.10% | $203 |
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.