Bank · FDIC insured
Valley Direct Savings Rates
Valley Direct’s best savings rate is 4.00% APY on $10,000, with its Valley Direct High Yield Savings. Rates checked October 25, 2026.
How Valley Direct’s savings rates compare
Compared with banks and credit unions nationwide. $10,000, best rate first.
This bank’s best
Valley Direct
4.00%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $400
Valley Direct High Yield Savings
Top rate
NET Credit Union
6.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $600
2nd-highest rate
Westerra Credit Union
6.00%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $600
Valley Direct 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 Direct ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Valley Direct High Yield Savings
Up to 4.00%APY
Must be at least 18 years old and a resident of the U.S. Consumer accounts only, opened online through Valley Direct. Can be serviced at branch locations in NJ, NY, FL, AL, and CA.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $012-month introductory promotion for new Valley National Bank customers (all account holders must have no other Valley personal checking or savings accounts or CDs within the one-year period preceding account opening). Opening deposit must be new money from an external funding source. Introductory interest rate is variable and determined by adding 0.67% to the variable standard interest rate. Maximum initial deposit is $500,000.Over $0 | 4.00% | $400 | 12-month introductory promotion for new Valley National Bank customers (all account holders must have no other Valley personal checking or savings accounts or CDs within the one-year period preceding account opening). Opening deposit must be new money from an external funding source. Introductory interest rate is variable and determined by adding 0.67% to the variable standard interest rate. Maximum initial deposit is $500,000. |
| Over $0Standard rate for existing customers. Interest rate and APY are variable and may change after account opening. Maximum initial deposit is $500,000.Over $0 | 3.30% | $330 | Standard rate for existing customers. Interest rate and APY are variable and may change after account opening. Maximum initial deposit is $500,000. |
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.