Valley Bank CD Rates and Terms for 2025
Written by
Sarah Sharkey
Edited by
Joe Evans
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If you want guaranteed returns without stock market risk, Valley Bank certificates of deposit (CDs) can be a simple way to grow your savings on a set timeline. Valley National Bank — often shortened to Valley Bank — offers multiple CD terms with fixed rates, so you’ll know exactly how much interest you’ll earn as long as you keep your money in place.
Below is a look at Valley Bank CD rates going into 2026, plus how they compare to national averages and top online banks.
Rates are current as of mid-December 2025 and can change at any time, so always confirm with Valley Bank before opening an account.
Current Valley Bank CD Rates: December 2025
Here are the current Valley Bank CD rates and terms:
| CD Term | APY |
|---|---|
| 3 months | |
| 6 months | |
| 12 months | |
| 18 months | |
| 24 months | |
| 36 months | |
| 48 months |
For context, the FDIC-reported national average 12-month CD rate was about 1.63% in December 2025, so Valley’s 12-month CD at 3.5% is more than double that benchmark.
Meanwhile, best-in-market 1-year CDs from online banks are still reaching around 4.25% to 4.3% APY as of mid-December 2025, which means Valley is competitive but not at the very top of the nationwide leaderboard.
Key Valley Bank CD Details
Beyond the headline APY, here are the main terms to know before you open a Valley Bank CD:
- Minimum deposit: $500 for regular CDs
- FDIC insurance: Up to $250,000 per depositor, per ownership category, through Valley National Bank’s FDIC coverage
- Rate type: Fixed APY for the full term
- Access: Online, mobile and at branches in Alabama, California, Florida, Illinois, New Jersey and New York
- Early withdrawal penalties: Fees apply if you take money out before maturity (can reduce or even wipe out your interest)
- Grace period: Typically a short window after maturity — often around 10 days — where you can withdraw or change terms without penalty
- Renewal: CDs usually auto-renew into the same or closest available term at the then-current rate if you don’t give other instructions
For exact penalty amounts and your specific grace-period dates, you’ll want to review your CD disclosure or ask a Valley banker when you open the account.
Advantages and Disadvantages of Valley Bank CDs
Like with any financial account, there are pros and cons to CDs. Here’s a rundown of both sides.
Pros
- Rates well above national averages on common terms like 3, 6 and 12 months, which can help you grow cash faster than at many big brick-and-mortar banks
- Low $500 minimum makes it easier to get started than many banks that require $1,000 or more
- Range of terms from 3 to 48 months makes it easier to build a simple CD ladder for short- and medium-term goals
- Backed by a long-standing regional bank with over 200 branches and full FDIC protection on eligible deposits
Cons
- Not the very highest rates on the market — some online-only CDs still pay more on 6- and 12-month terms
- Early-withdrawal penalties apply if you need funds before maturity, which makes CDs less flexible than high-yield savings accounts
- Limited branch footprint if you prefer in-person banking and don’t live in Valley’s six-state service area
- Rates may vary or change quickly, so you’ll need to verify the APY at account opening to avoid surprises
How Much Can You Earn With a Valley Bank CD?
Curious about the returns? Here’s how much interest you could earn with Valley Bank CD rates based on different deposit amounts and term lengths.
Estimated Interest on a $5,000 Valley Bank CD
| Term | APY | Approximate Interest Earned |
|---|---|---|
| 6-month CD | about $90 over 6 months | |
| 12-month CD | about $175 over 1 year | |
| 24-month CD | about $325 over 2 years | |
| 36-month CD | 3.1% APY | about $465 over 3 years |
Actual returns may differ slightly based on Valley’s compounding method and exact day-count. For more personalized projections, you can also plug Valley’s APYs into a CD or savings calculator.
How To Open a Valley Bank CD
You can open a Valley Bank CD online or at a branch in states where Valley operates. Here’s the quick workflow:
- Pick Your Term
- Decide how long you can leave the money untouched
- 3, 6 or 12 months = short-term goals
- 24 to 48 months = longer-term savings
- Check Today’s Rate
- Go to Valley’s website or call a branch
- Confirm the current APY for your chosen term, since rates change frequently
- Gather Your Info
You’ll typically need:- Name and date of birth
- Social Security number or taxpayer ID
- Address and contact details
- Existing bank account info (if funding electronically)
- Fund the CD
You can fund your CD by:- Transferring from a Valley checking or savings account
- Linking an external bank account
- Depositing cash or checks at a branch
- Set Renewal Instructions
Before the CD matures, decide if you want to:- Auto-renew for the same term
- Switch to a different term
- Have funds moved to checking or savings
- Track the Maturity Date
- Set a calendar reminder or use the Valley mobile app
- Make changes during the grace period so you’re not locked into a new term you didn’t intend
How Valley Bank CD Rates Compare to Other Banks
Overall, Valley Bank CD rates are competitive. Although these rates are generally attractive, that doesn’t mean you won’t be able to find better rates somewhere else. That’s especially true if you are willing to work with an online bank.
Here’s a quick look at other CD options:
| Bank | 6-Month CD APY | 12-Month CD APY |
|---|---|---|
| Valley Bank | ||
| Ally Bank | ||
| First Internet Bank |
Comparing rates is important, but also consider other features like account options, fees and customer service to find the best overall fit for your financial needs.
SELECTED BANK
MOST COMPARABLE
MOST COMPARABLE
Fees
Fees
Fees
$0 to $15
$0
$0 to $10
APY
APY
APY
to
Up to
Min Opening
Min Opening
Min Opening
$25 to $100
$0
$25 to $100
SELECTED BANK
MOST COMPARABLE
MOST COMPARABLE
Fees
Fees
Fees
$4, waivable
$0
No monthly service fee
APY
APY
APY
Min Opening
Min Opening
Min Opening
$100
$0
$25
SELECTED BANK
MOST COMPARABLE
MOST COMPARABLE
Fees
Fees
Fees
No monthly service fee
No monthly service fee
Early withdrawal penalties may apply
APY
APY
APY
Up to
Up to
Up to
Min Opening
Min Opening
Min Opening
$500
$0
$1,000
SELECTED BANK
MOST COMPARABLE
MOST COMPARABLE
Fees
Fees
Fees
$0 to $25, waivable
$0
$5
APY
APY
APY
Up to
Min Opening
Min Opening
Min Opening
$0
$0
$100
Is a Valley Bank CD Right for You?
If you’re still unsure about opening a CD with Valley Bank, here’s who this option may be ideal for — and who might want to keep shopping.
Ideal For
- Individuals who want a fixed rate without worrying about market changes
- People who have at least $500 to set aside for a specific time period
- Anyone who prefers working with a regional bank that also offers in-person service
Not Ideal For
- Individuals who want the highest APY available, especially from online banks
- People who need flexible access to their funds
Final Take to GO: Are Valley Bank CD Rates Worth It in 2026?
If you want a simple, predictable way to grow your savings in 2026, Valley Bank CDs offer a solid middle ground:
- Stronger yields than big-bank averages, with reasonable minimums
- The stability and in-person access of a long-standing regional bank
- A straightforward lineup of terms from 3 to 48 months
They’re not the very highest-paying CDs you can find nationwide, but they can make sense if you already bank with Valley, live near a branch or simply value the mix of competitive rates and regional-bank service.
If you’re rate-shopping aggressively, you may want to compare Valley’s latest APYs with top online CDs and high-yield savings accounts before you commit. Either way, locking in a CD at a solid rate early in 2026 can be a smart way to put idle cash to work while keeping your risk low.
FAQ: Valley Bank CD Rates and Accounts
Have questions about how Valley Bank CDs work? These quick answers can help you decide if their options are right for you.- What is the minimum deposit for a Valley Bank CD in 2026?
- Most regular Valley Bank CDs require a $500 minimum opening deposit.
- Are Valley Bank CD rates good compared to other banks?
- Valley Bank’s CD rates are well above the national average, especially on common terms like 6 and 12 months. The bank’s 12-month CD at 3.5% APY beats the national 12-month average of roughly 1.63% but trails the top online 12-month CDs, which can pay around 4.25% to 4.3% APY.
- Does Valley Bank offer online CDs or only branch CDs?
- Valley National Bank offers standard CDs through its branch network and website, and it also promotes competitive CD rates through its online Valley Direct brand. Valley Direct has been featured in lists of top-yielding 3-month CDs at 4% APY, with a $500 minimum balance requirement.
- Are Valley Bank CDs safe?
- Yes. Valley National Bank is an FDIC-insured institution, which means eligible CD deposits are insured up to $250,000 per depositor, per ownership category, as long as you stay within federal limits.
- How often do Valley Bank CD rates change?
- There’s no fixed schedule, but CD rates can shift based on broader interest rate moves and Valley’s pricing decisions. In late 2025, for example, national CD leaders adjusted rates following Federal Reserve policy changes, and Valley’s CD rates have been updated periodically in third-party reviews as well. Because of that, it’s important to check Valley’s current CD rate sheet or call a branch before you open an account in 2026.
Elizabeth Constantineau contributed to the reporting for this article.
Data is accurate as of Jan. 1, 2026, and is subject to change.
Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.
