When you log into Online Banking for the first time after our upgrade, you will be required to enter your EXISTING Login ID and Security Code (see below).
Your LOGON ID is your existing online banking login ID. Your Logon ID must contain at least 6 characters. If your login ID is less than 6 characters, you must enter leading zeros to make it the minimum 6 characters.
Your SECURITY CODE is the word security in lower case letters + the last 4-digits of the Primary Account Holder’s Social Security Number.
Example: If the last 4-digits of the Social Security Number are 1234 then your Security Code is security1234
You will be prompted to change your Security Code after first time login in.
If you experience an “unable to validate” error message, then you should delete cookies and cache from your browser. You can also try the login on a different browser. Deleting Cookies and Cache is usually found on your browser’s settings under “privacy”.
APR=Annual Percentage Rate
*APR = Annual Percentage Rate. The interest rate a member pays is based on the member’s credit worthiness, credit history, loan-to-value ratio and term of the loan. Loan terms may vary depending on amount borrowed and credit history. All rates are subject to change at any time. Other restrictions may apply. Contact the credit union at 503.364.7999 for complete details.
**$65.00 loan processing fee for consumer loans (excluding credit cards).
***For First and Second Mortgage Loans there is a 1% origination fee. Other third party fees such as appraisal fees may apply. 1st mortgage terms up to 30 years, 2nd mortgage terms up to 15 years. See CU for details.
****For Home Equity Lines of Credit there is a $125 processing fee and an annual fee of $75. Other third party fees such as appraisal fees may apply.
Rates and programs are subject to change at anytime. Please call (503) 364.7999 for the most up-to-date rate information.
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Benefits of having a CD with Valley:
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Certificate Disclosure
You work so hard for your money. Doesn’t it make sense to have your money return the favor?
Valley Credit Union’s CD specials are an extraordinary way to do just that. With a selection of durations, great rates, low required minimum investment, and easy administration — our CDs are a smart choice.
CD Specials — Flexible Terms & Great Returns
Join THE VCU Family (503)364-7999
A CD, or Certificate of Deposit, is a kind of account you can use to save your money. CDs require you to commit your funds to that account for a certain period of time — e.g., three months or one year. In exchange for locking in your money, you earn a higher interest rate on your investment.
This is a great question — one that comes up a lot!
While both are federally-insured* savings options, CDs tend to have higher yields and often have lower minimum buy-ins. So, you can earn more with a smaller starting investment.
However, savings accounts can be cashed out at any time whereas most CDs can’t be liquidated early (or, at least, without a penalty). And, you’re able to make deposits to a savings account anytime, not just when you open the account.
If you don’t need access to your funds immediately, CDs may be a better way to invest — and grow! — your money over the short- to medium-term horizon.
* Up to $250,000 per account.
We’re in a period of economic uncertainty and climbing interest rates. Certificates of deposit let you hedge against the unknown while still earning reliably.
Getting your CDs today means you’ll have a guaranteed rate of return that’s more attractive than any savings account. And with these CD specials, you can take advantage of an even sweeter deal!
As with the other financial products we offer — like saving accounts and IRAs — our certificates of deposit are stand-outs. Here’s why.
All our CDs offer:
But, for these CD Specials, you’ll also get:
On top of all this, you’re privy to all the perks associated with being a credit union member — like dividends that you can reinvest into more CDs! Members also love the attention and expertise of our dedicated and talented staff.
If you’re interested in making the most of your money, Valley can help you do that. As a member, you have access to an exceptional array of financial products and services. Plus, you’ll have the support of a caring and qualified team of professionals.
Read our certificate disclosure
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