Credit union · NCUA insured
Valley Strong Credit Union CD Rates
Valley Strong Credit Union’s best CD rate is 3.75% APY on a 13-month share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 16, 2026.
How Valley Strong Credit Union’s CD rates compare
Compared with banks and credit unions near Bakersfield, CA, where Valley Strong Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Valley Strong Credit Union
3.75%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $407
Promotional Certificate
Top rate
OceanAir Federal Credit Union
4.50%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,462
2nd-highest rate
Golden 1 Credit Union
4.30%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $321
Valley Strong Credit Union CD score
67
CD score
Higher than 18% of U.S. banks and credit unions
- 3–8 months3–8 mo0.40%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo1.15%
- 31–60 months31–60 mo1.51%
- QualifiedQualified3.75%
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 Strong 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.
Promotional Certificate
3.75%APY · 1 term
$1,000 minimum opening deposit. New money must be deposited to obtain promotional rate (funds not currently on deposit with Valley Strong Credit Union). After initial 13-month term, funds will automatically renew into a traditional 12 month certificate. Penalties may be assessed for early withdrawal. Fees may reduce earnings. Not valid for IRA accounts. Valley Strong Membership is required. Offer may be withdrawn at any time.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 13 monthsThe 13-month certificate offer is effective starting 10/01/26. 3.75% APY is based on a dividend rate of 3.687%. $1,000 minimum opening deposit of new money required. Automatically renews into a 12-month traditional certificate. Not valid for IRA accounts. Early withdrawal penalties may apply. Valley Strong Membership required | 3.75% | $407 |
Sources (1)
- valleystrong.com/schedule-fees · captured Oct 16, 2026
Share Certificate
Up to 1.51%APY · 5 terms
Offering a fixed rate of return. Early withdrawal penalties may apply. There is a 10-day grace period after maturity to make changes/withdrawals with no penalty. Federally insured up to $250,000.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsRates are variable and may change after the account is opened. Fees may reduce earnings | 0.40% | $20 |
| 12 monthsRates are variable and may change after the account is opened. Fees may reduce earnings | 0.80% | $80 |
| 18 monthsRates are variable and may change after the account is opened. Fees may reduce earnings | 1.00% | $150 |
| 24 monthsRates are variable and may change after the account is opened. Fees may reduce earnings | 1.15% | $231 |
| 36 monthsRates are variable and may change after the account is opened. Fees may reduce earnings | 1.51% | $460 |
Sources (2)
All captured Oct 16, 2026
Simple Saver Certificate
0.05%APY · 1 term
A minimum of $25 must be deposited monthly to the Simple Saver Certificate through some form of automated transaction (e.g. payroll deduction or automatic transfer). Early withdrawal penalties may apply. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsRates are variable and may change after the account is opened. Fees may reduce earnings | 0.05% | $5 |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
IRA Certificate
Up to 1.51%APY · 3 terms
Available as Traditional, Roth, or Coverdell ESA Certificates. Compounding interest, fixed terms. Early withdrawal penalties may apply. There is a 10-day grace period after maturity to make changes/withdrawals with no penalty.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsRates are variable and may change after the account is opened. Fees may reduce earnings | 0.80% | $80 |
| 24 monthsRates are variable and may change after the account is opened. Fees may reduce earnings | 1.15% | $231 |
| 36 monthsRates are variable and may change after the account is opened. Fees may reduce earnings | 1.51% | $460 |
Who can join Valley Strong Credit Union
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