Bank · FDIC insured
Wallkill Valley Federal Savings & Loan Savings Rates
Wallkill Valley Federal Savings & Loan’s best savings rate is 0.25% APY on $10,000, with its Statement Savings. Rates checked October 16, 2026.
How Wallkill Valley Federal Savings & Loan’s savings rates compare
Compared with banks and credit unions near Kiryas Joel, NY, where Wallkill Valley Federal Savings & Loan has the most branches. $10,000, best rate first.
This bank’s best
Wallkill Valley Federal Savings & Loan
0.25%APY
- Requires
- None
- Minimum
- $10
- Earns on $10,000 a year
- $25
Statement Savings
Top rate
Beacon Bank
3.20%APY
- Requires
- Another account
- Minimum
- $250
- Earns on $10,000 a year
- $320
2nd-highest rate
International Bank of Chicago
3.20%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $320
Wallkill Valley Federal Savings & Loan savings score
72
Savings score
Higher than 32% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0000.51%
- QualifiedQualified0.25%
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 Wallkill Valley Federal Savings & Loan 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.
Premier Money Market
0.00%APY
Opening deposit of $75,000. Monthly service fee of $100 is avoided by maintaining a minimum balance of $2,500. Features are otherwise the same as the Statement Market Savings account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $75,000Monthly fee of $100 waived with a minimum balance of $2,500. | 0.00% | $0 | Monthly fee of $100 waived with a minimum balance of $2,500. |
| $75,000 – $250,000Monthly fee of $100 waived with a minimum balance of $2,500. | 0.21% | — | Monthly fee of $100 waived with a minimum balance of $2,500. |
| $250,000 – $400,000Monthly fee of $100 waived with a minimum balance of $2,500. | 0.31% | — | Monthly fee of $100 waived with a minimum balance of $2,500. |
| $400,000 – $600,000Monthly fee of $100 waived with a minimum balance of $2,500. | 0.41% | — | Monthly fee of $100 waived with a minimum balance of $2,500. |
| $600,000 and upMonthly fee of $100 waived with a minimum balance of $2,500. | 0.51% | — | Monthly fee of $100 waived with a minimum balance of $2,500. |
Sources (2)
All captured Oct 16, 2026
Statement Money Market
0.15%APY
Limit of six (6) electronic withdrawals or transfers per month. Withdrawals and transfers made in person or by mail are unlimited. Monthly service fee of $10 waived with a minimum balance of $2,500 or if you maintain a combined daily balance of $25,000 or more on selected personal deposit accounts (excluding IRAs) throughout the month. Interest will not be paid on any day that the balance falls below $100.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $2,500Interest compounded continuously and credited monthly. Fee waived with $2,500 minimum balance or $25,000 combined daily balance across selected personal deposit accounts. | 0.05% | — | Interest compounded continuously and credited monthly. Fee waived with $2,500 minimum balance or $25,000 combined daily balance across selected personal deposit accounts. |
| $2,500 – $10,000Interest compounded continuously and credited monthly. Fee waived with $2,500 minimum balance or $25,000 combined daily balance across selected personal deposit accounts. | 0.10% | — | Interest compounded continuously and credited monthly. Fee waived with $2,500 minimum balance or $25,000 combined daily balance across selected personal deposit accounts. |
| $10,000 – $25,000Interest compounded continuously and credited monthly. Fee waived with $2,500 minimum balance or $25,000 combined daily balance across selected personal deposit accounts. | 0.15% | $15 | Interest compounded continuously and credited monthly. Fee waived with $2,500 minimum balance or $25,000 combined daily balance across selected personal deposit accounts. |
| $25,000 – $50,000Interest compounded continuously and credited monthly. Fee waived with $2,500 minimum balance or $25,000 combined daily balance across selected personal deposit accounts. | 0.21% | — | Interest compounded continuously and credited monthly. Fee waived with $2,500 minimum balance or $25,000 combined daily balance across selected personal deposit accounts. |
| $50,000 and upInterest compounded continuously and credited monthly. Fee waived with $2,500 minimum balance or $25,000 combined daily balance across selected personal deposit accounts. | 0.51% | — | Interest compounded continuously and credited monthly. Fee waived with $2,500 minimum balance or $25,000 combined daily balance across selected personal deposit accounts. |
Sources (2)
All captured Oct 16, 2026
Statement Savings
0.25%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upRequires maintaining a $10 minimum balance.$10 and up | 0.25% | $25 | Requires maintaining a $10 minimum balance. |
Sources (2)
All captured Oct 16, 2026
Passbook Savings
0.05%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upRequires maintaining a $10 minimum balance.$10 and up | 0.05% | $5 | Requires maintaining a $10 minimum balance. |
Sources (1)
- wallkill.com/personal-banking/deposit-rates · captured Oct 16, 2026
Special-purpose accounts
Variable Rate IRA
0.76%APY
Offers a CD-based variable interest rate for retirement savings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upRequires a $10 minimum deposit/balance to open and begin earning interest.$10 and up | 0.76% | $76 | Requires a $10 minimum deposit/balance to open and begin earning interest. |
Sources (2)
All captured Oct 16, 2026
IRA Statement Savings
0.25%APY
Individual Retirement Account with tax-deferred growth.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upRequires maintaining a $10 minimum balance.$10 and up | 0.25% | $25 | Requires maintaining a $10 minimum balance. |
Sources (2)
All captured Oct 16, 2026
Youth Savings
0.12%APY
Account holder receives a $5.00 Birthday Bonus each year until age 18, after which the account converts to a statement savings account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upRequires maintaining a $1 minimum balance.$1 and up | 0.12% | $12 | Requires maintaining a $1 minimum balance. |
Sources (2)
All captured Oct 16, 2026
All Purpose Club
0.10%APY
Disburses funds via check or automatic deposit at the end of the pre-designated club period.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upRequires maintaining a $10 minimum balance.$10 and up | 0.10% | $10 | Requires maintaining a $10 minimum balance. |
Sources (2)
All captured Oct 16, 2026
Holiday Club
0.10%APY
Disburses saved funds via check on the 3rd Friday of October.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10 and upRequires maintaining a $10 minimum balance.$10 and up | 0.10% | $10 | Requires maintaining a $10 minimum balance. |
Sources (2)
All captured Oct 16, 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.