Bank · FDIC insured
Valley CD Rates
Valley’s best CD rate is 4.10% APY on a 6-month CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Valley’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where Valley has the most branches. $10,000, best rate first.
This bank’s best
Valley
4.10%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $203
6-Month CD Promotion
Top rate
Liberty Bank of New Jersey
5.00%APY
- Term
- 4 months
- Minimum
- $1,000
- Earns on $10,000
- $164
2nd-highest rate
Palisades Credit Union
5.00%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $457
Valley CD score
83
CD score
Higher than 62% of U.S. banks and credit unions
- 3–8 months3–8 mo4.10%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo3.45%
- 31–60 months31–60 mo3.20%
- QualifiedQualified4.10%
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 ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
6-Month CD Promotion
4.10%APY · 1 term
Limited-time promotional Certificate of Deposit. New money deposit only. APY is fixed for the 6-month term. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsLimited-time promotional rate. New money deposit only. $500 minimum to open and to obtain the advertised APY | 4.10% | $203 |
Sources (1)
- valley.com/personal/savings/cds · captured Oct 22, 2026
3-Month Certificate of Deposit
3.55%APY · 1 term
Fixed-rate CD. APY is locked for the 3-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible. Fund up to $500,000 online and up to $1,000,000 in a branch.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months$500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY | 3.55% | $88 |
Sources (2)
All captured Oct 22, 2026
12-Month Certificate of Deposit
3.50%APY · 1 term
Fixed-rate CD. APY is locked for the 12-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible. Fund up to $500,000 online and up to $1,000,000 in a branch.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months$500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY | 3.50% | $350 |
Sources (2)
All captured Oct 22, 2026
6-Month Certificate of Deposit
3.50%APY · 1 term
Fixed-rate CD. APY is locked for the 6-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible. Fund up to $500,000 online and up to $1,000,000 in a branch. Distinct from the limited-time 6-month promotional CD.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months$500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY | 3.50% | $173 |
Sources (1)
- valley.com/personal/savings/cds/6-month-cd · captured Oct 22, 2026
18-Month Certificate of Deposit
3.45%APY · 1 term
Fixed-rate CD. APY is locked for the 18-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible. Fund up to $500,000 online and up to $1,000,000 in a branch.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 months$500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY | 3.45% | $522 |
Sources (1)
- valley.com/personal/savings/cds/18-month-cd · captured Oct 22, 2026
24-Month Certificate of Deposit
3.25%APY · 1 term
Fixed-rate CD. APY is locked for the 24-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible. Fund up to $500,000 online and up to $1,000,000 in a branch.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 months$500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY | 3.25% | $661 |
Sources (2)
All captured Oct 22, 2026
36-Month Certificate of Deposit
3.20%APY · 1 term
Fixed-rate CD. APY is locked for the 36-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 months$500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY | 3.20% | $991 |
Sources (2)
All captured Oct 22, 2026
48-Month Certificate of Deposit
3.05%APY · 1 term
Fixed-rate CD. APY is locked for the 48-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 48 months$500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY | 3.05% | $1,277 |
Sources (2)
All captured Oct 22, 2026
60-Month Certificate of Deposit
3.00%APY · 1 term
Fixed-rate CD. APY is locked for the 60-month term. Additional deposits not allowed after opening. Early withdrawal penalties may apply. Adults over 18 are eligible. Not listed on the main CD rates landing page.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 60 months$500 minimum opening balance and $500 minimum daily balance required to obtain the advertised APY | 3.00% | $1,593 |
Sources (1)
- valley.com/personal/savings/cds/60-month-cd · captured Oct 22, 2026
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.