Bank · FDIC insured
Valley Savings Rates
Valley’s best savings rate is 0.05% APY on $10,000, with its Money Market Savings. Rates checked October 22, 2026.
How Valley’s savings 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
0.05%APY
- Requires
- None
- Minimum
- $2,000
- Earns on $10,000 a year
- $5
Tiered Money Market
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
Valley savings score
60
Savings score
Higher than 2% of U.S. banks and credit unions
By balance
- $1,000 balance$1,0000.01%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0000.05%
- QualifiedQualified0.05%
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 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.
Premium Money Market
Up to 1.11%APY
Must be 18 years or older. Maximum deposit amount is $10,000,000.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Tier 1: 0.10% APY for average daily balances up to, but not including, $10,000.00. Applies if bonus requirements are not met or balance is below $10,000. Maintain an average daily balance of at least $10,000 to avoid the $25 monthly maintenance charge. | 0.10% | $10 | Tier 1: 0.10% APY for average daily balances up to, but not including, $10,000.00. Applies if bonus requirements are not met or balance is below $10,000. Maintain an average daily balance of at least $10,000 to avoid the $25 monthly maintenance charge. |
| $10,000 and upBonus APY requires pairing with an All Access Checking account, maintaining a $10,000 minimum average daily balance in the Premium Money Market account, maintaining a $500 minimum daily balance in the All Access Checking account, and setting up a recurring qualifying monthly direct deposit of $1,000 or more to the All Access Checking account. Maintain an average daily balance of at least $10,000 to avoid the $25 monthly maintenance charge. | 1.11% | $111 | Bonus APY requires pairing with an All Access Checking account, maintaining a $10,000 minimum average daily balance in the Premium Money Market account, maintaining a $500 minimum daily balance in the All Access Checking account, and setting up a recurring qualifying monthly direct deposit of $1,000 or more to the All Access Checking account. Maintain an average daily balance of at least $10,000 to avoid the $25 monthly maintenance charge. |
| $10,000 – $10,000,000Tier 2: 0.10% APY for average daily balances of $10,000 up to, but not including, $10,000,000 when bonus requirements are not met. Maintain an average daily balance of at least $10,000 to avoid the $25 monthly maintenance charge. | 0.10% | $10 | Tier 2: 0.10% APY for average daily balances of $10,000 up to, but not including, $10,000,000 when bonus requirements are not met. Maintain an average daily balance of at least $10,000 to avoid the $25 monthly maintenance charge. |
| $10,000,000 and upTier 3: 0.10% APY for average daily balances of $10,000,000 or more. Maintain an average daily balance of at least $10,000 to avoid the $25 monthly maintenance charge. | 0.10% | — | Tier 3: 0.10% APY for average daily balances of $10,000,000 or more. Maintain an average daily balance of at least $10,000 to avoid the $25 monthly maintenance charge. |
Sources (1)
- valley.com/personal/savings/premium-money-market · captured Oct 22, 2026
Tiered Money Market
0.05%APY
Must be 18 years or older.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Tier 1: 0.05% APY for daily balances of $0.01 - $4,999.99. Maintain an average daily balance of at least $10,000 to avoid the $25 monthly maintenance charge. | 0.05% | — | Tier 1: 0.05% APY for daily balances of $0.01 - $4,999.99. Maintain an average daily balance of at least $10,000 to avoid the $25 monthly maintenance charge. |
| $5,000 – $25,000Tier 2: 0.05% APY for daily balances of $5,000 - $24,999.99. Maintain an average daily balance of at least $10,000 to avoid the $25 monthly maintenance charge. | 0.05% | $5 | Tier 2: 0.05% APY for daily balances of $5,000 - $24,999.99. Maintain an average daily balance of at least $10,000 to avoid the $25 monthly maintenance charge. |
| $25,000 – $50,000Tier 3: 0.05% APY for daily balances of $25,000 - $49,999.99. Maintain an average daily balance of at least $10,000 to avoid the $25 monthly maintenance charge. | 0.05% | — | Tier 3: 0.05% APY for daily balances of $25,000 - $49,999.99. Maintain an average daily balance of at least $10,000 to avoid the $25 monthly maintenance charge. |
| $50,000 – $100,000Tier 4: 0.05% APY for daily balances of $50,000 - $99,999.99. Maintain an average daily balance of at least $10,000 to avoid the $25 monthly maintenance charge. | 0.05% | — | Tier 4: 0.05% APY for daily balances of $50,000 - $99,999.99. Maintain an average daily balance of at least $10,000 to avoid the $25 monthly maintenance charge. |
| $100,000 – $500,000Tier 5: 0.05% APY for daily balances of $100,000 - $499,999.99. Maintain an average daily balance of at least $10,000 to avoid the $25 monthly maintenance charge. | 0.05% | — | Tier 5: 0.05% APY for daily balances of $100,000 - $499,999.99. Maintain an average daily balance of at least $10,000 to avoid the $25 monthly maintenance charge. |
| $500,000 – $1,500,000Tier 6: 0.10% APY for daily balances of $500,000 - $1,499,999.99. Maintain an average daily balance of at least $10,000 to avoid the $25 monthly maintenance charge. | 0.10% | — | Tier 6: 0.10% APY for daily balances of $500,000 - $1,499,999.99. Maintain an average daily balance of at least $10,000 to avoid the $25 monthly maintenance charge. |
| $1,500,000 – $2,500,000Tier 7: 0.10% APY for daily balances of $1,500,000 - $2,499,999.99. Maintain an average daily balance of at least $10,000 to avoid the $25 monthly maintenance charge. | 0.10% | — | Tier 7: 0.10% APY for daily balances of $1,500,000 - $2,499,999.99. Maintain an average daily balance of at least $10,000 to avoid the $25 monthly maintenance charge. |
| $2,500,000 – $5,000,000Tier 8: 0.10%% APY for daily balances of $2,500,000 - $4,999,999.99. Maintain an average daily balance of at least $10,000 to avoid the $25 monthly maintenance charge. | 0.10% | — | Tier 8: 0.10%% APY for daily balances of $2,500,000 - $4,999,999.99. Maintain an average daily balance of at least $10,000 to avoid the $25 monthly maintenance charge. |
| $5,000,000 – $10,000,000Tier 9: 0.10% APY for daily balances of $5,000,000 - $9,999,999.99. Maintain an average daily balance of at least $10,000 to avoid the $25 monthly maintenance charge. | 0.10% | — | Tier 9: 0.10% APY for daily balances of $5,000,000 - $9,999,999.99. Maintain an average daily balance of at least $10,000 to avoid the $25 monthly maintenance charge. |
| $10,000,000 and upTier 10: 0.01% APY for daily balances of $10,000,000 & above. Maintain an average daily balance of at least $10,000 to avoid the $25 monthly maintenance charge. | 0.01% | — | Tier 10: 0.01% APY for daily balances of $10,000,000 & above. Maintain an average daily balance of at least $10,000 to avoid the $25 monthly maintenance charge. |
Sources (1)
- valley.com/personal/savings/tiered-money-market · captured Oct 22, 2026
Money Market Savings
0.05%APY
Must be 18 years or older with a U.S. residential address. Initial opening deposit cannot come from an existing Valley bank account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Earn 0.05% APY on balances of $0.01 up to $10,000. Maintain an average daily balance of at least $10,000 to avoid the $25 monthly maintenance charge. | 0.05% | $5 | Earn 0.05% APY on balances of $0.01 up to $10,000. Maintain an average daily balance of at least $10,000 to avoid the $25 monthly maintenance charge. |
| $10,000 – $9,999,999Earn 0.05% APY on balances from $10,000 up to, but not including, $9,999,999. Maintain an average daily balance of at least $10,000 to avoid the $25 monthly maintenance charge. | 0.05% | $5 | Earn 0.05% APY on balances from $10,000 up to, but not including, $9,999,999. Maintain an average daily balance of at least $10,000 to avoid the $25 monthly maintenance charge. |
| $9,999,999 and upEarn 0.05% APY on balances of $9,999,999 or more. Maintain an average daily balance of at least $10,000 to avoid the $25 monthly maintenance charge. | 0.05% | — | Earn 0.05% APY on balances of $9,999,999 or more. Maintain an average daily balance of at least $10,000 to avoid the $25 monthly maintenance charge. |
Sources (1)
- valley.com/personal/savings/money-market-savings · captured Oct 22, 2026
All Access Savings
0.01%APY
Available to adults 18 years or older with a U.S. residential address. Rate is variable and may change after account opening.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upEarn 0.01% APY on average daily balances over $100; balances under $100 do not earn interest. Avoid $5 monthly maintenance charge by maintaining an average daily balance of $300 or more.$100 and up | 0.01% | $1 | Earn 0.01% APY on average daily balances over $100; balances under $100 do not earn interest. Avoid $5 monthly maintenance charge by maintaining an average daily balance of $300 or more. |
Sources (2)
All captured Oct 4, 2026
Special-purpose accounts
Kids First Savings Account
0.25%APY
Available for minors under 18 years old. A parent or guardian must be a co-signer on the account. Must be opened in a branch. At age 25, account converts to an All Access Savings account subject to its terms and maintenance charges. Rate may change after account opening.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Minimum balance of $0.01 required to obtain the advertised APY. No monthly maintenance charge and no minimum balance requirement beyond the initial opening deposit.Over $0 | 0.25% | $25 | Minimum balance of $0.01 required to obtain the advertised APY. No monthly maintenance charge and no minimum balance requirement beyond the initial opening deposit. |
Sources (2)
All captured Oct 4, 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.