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Personal Savings and Certificates

Personal Savings

MYLIFESTYLE SAVINGS

Add a MyLifestyle Savings Account to your MyLifestyle Checking Account and when monthly qualifications are met on your MyLifestyle Checking Account your MyLifestyle Savings Account receives:

  • 0.20% APY* on unlimited savings balances
  • 0.05% APY* if requirements are not met on your MyLifestyle Checking Account
  • Your MyLifestyle Checking Interest and ATM refunds are automatically deposited to your MyLifestyle Savings Account.
  • No minimum balance required
  • No Service Fee

*APY=Annual Percentage Yield as of 06/01/15. We use the daily balance method to calculate the interest on your account. APY may change at any time after the account is opened. Minimum opening deposit of $100 for Checking and $1 for Savings. Available to personal accounts only.

Six preauthorized, automatic, online banking, ACH, wire, or telephonic, transfers or withdrawals, third party checks, drafts, and debit card/POS or similar transactions from this type of account per statement cycle. Unlimited ATM and in-person withdrawals and transfers. ($2.00 fee for each additional item over the limit.)

PREMIER MONEY MARKET ACCOUNT

The Premier Money Market Account rewards customers with premier rates on higher balances with easy access to their funds.

  • $2,500 minimum daily balance required
  • $10 Maintenance Fee waived when daily minimum balance requirement is met
  • Free Online Banking
  • Free eStatement available 
Rate Tiers Rate APY*
$0.01 - $24,999 .10% .10%
$25,000 - $99,999 .12% .12%
$100,000 - $499,000 .15% .15%
$500,000 - $999,999 .18% .18%
$1,000,000 or greater .20% .20%

 

Six preauthorized, automatic, online banking, ACH, wire, or telephonic, transfers or withdrawals, third party checks, drafts, and debit card/POS or similar transactions from this type of account per statement cycle. ($5.00 fee for each additional item over the limit.) Unlimited ATM and in-person withdrawals and transfers.

*APY=Annual Percentage Yield as of 06/01/15. We use the daily balance method to calculate the interest on your account. APY may change at any time after the account is opened. Minimum opening deposit is $2,500.

REGULAR SAVINGS ACCOUNT

  • Free Online Banking
  • Free eStatements available
  • Reach and maintain a minimum balance of $200 within three months from account opening and we waive the $2 monthly service fee
  • No minimum balance required for minors up to age 18

Six preauthorized, automatic, online banking, ACH, wire, or telephonic, transfers or withdrawals, third party checks, drafts, and debit card/POS or similar transactions from this type of account per statement cycle. Unlimited ATM and in-person withdrawals and transfers. ($2.00 fee for each additional item over the limit.)

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CERTIFICATES OF DEPOSIT

  • Competitive interest rates fixed and variable
  • Terms from 1 month to 5 years
  • Interest is compounded quarterly for maturities 18 months or higher
  • Automatic transfers of interest to Valley Bank checking or savings account
  • Monthly interest checks for balance of $25,000 or more
  • Free Online Banking account access 24 hrs a day
  • Free Bill Pay
  • Minimum $5,000 opening deposit required.  No penalty CD options are also available.  Penalty may be assessed for early withdrawal.   

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IRA CERTIFICATES OF DEPOSIT

  • Competitive interest rates 
  • Terms from 3 months to 5 years 
  • Interest is compounded quarterly for maturities 18 months or higher 
  • Monthly distributions are available, if qualified, by automatic transfers to your Valley Bank checking account

 Minimum $500 opening deposit required. Choices include Traditional or Roth IRA's.

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MONEY MARKET IRA

  • Earns competitive money market interest rates
  • Interest compounds monthly
  • Quarterly statement


 

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