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Type of Loan APR*
Secured Loan** - All vehicles with titles or UCC Filings 5.74% - 17.99%
Unsecured Loan** - Personal Loans, Lines of Credit 14.00% - 18.00%
First Mortgage*** - Fixed and Adjustable Rates Current Rates
Home Equity Line of Credit**** 9.25% - 18.00%
Mastercard Credit Card 12.50% - 18.00%
Share and Certificate Secured Loan Add 3.00% (Min. 4.00%)

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.

Share Accounts

Membership Shares
Amount Dividend Rate Annual Percentage Yield (APY)
$0-$999.99 0.050% 0.05%
$1,000-$9,999 0.050% 0.05%
$10,000+ 0.050% 0.05%
Ownership Shares
Dividend Rate Annual Percentage Yield (APY)
3.928% 4.00%
Club Accounts - Special Purpose, Christmas, Vacation, House & Tax
Dividend Rate Annual Percentage Yield (APY)
0.050% 0.05%
High Yield Shares
Amount Dividend Rate Annual Percentage Yield (APY)
$0-$9,999 0.100% 0.10%
$10,000+ 0.100% 0.10%
Investors Plus Shares
Amount Dividend Rate Annual Percentage Yield (APY)
$2,500-$24,999 0.499% 0.50%
$25,000-$49,999 0.747% 0.75%
$50,000-$249,000 0.995% 1.00%
$250,000-$500,000 1.490% 1.50%
$500,000+ 1.982% 2.00%
Traditional, Converted Roth, Regular Roth, Educational IRA Shares
Amount Dividend Rate Annual Percentage Yield (APY)
$0-$2,499 0.250% 0.25%
$2,500-$24,999 0.250% 0.25%
$25,000-$49,999 0.250% 0.25%
$50,000+ 0.250% 0.25%

Checking Accounts

Checking Account
Name Dividend Rate Annual Percentage Yield (APY)
Everyday Checking N/A N/A
Elite Checking 0.050% 0.05%

Rates and programs are subject to change at anytime. Please call (503) 364.7999 for the most up-to-date rate information.

Share Disclosure

Share and IRA Certificates
Amount Dividend Rate Annual Percentage Yield (APY)
6 Month 1.74% 1.75%
1 Year 1.98% 2.00%
2 Year 2.23% 2.25%
3 Year 2.47% 2.50%
4 Year 2.57% 2.60%
5 Year 2.67% 2.70%
Bump Up Certificates
Term Dividend Rate Annual Percentage Yield (APY)
1 Year 1.88% 1.90%
2 Year 2.13% 2.15%
3 Year 2.37% 2.40%
4 Year 2.47% 2.50%
5 Year 2.57% 2.60%


Benefits of having a CD with Valley:

  1. Competitive savings rate
  2. Select the rate and term suited to help reach your savings goal
  3. Easy account management
  4. View balances anytime with Valley's free mobile and online banking
  5. A great way to help reach your savings goals

Become a Member

Call us today 503 364 7999

Certificate  Disclosure

-$500 minimum
-Insured by an agency of the federal government (NCUSIF) up to $250,000
-New money required for promotional rates


CD Specials                              Dividend Rate       APY

9 Month Liquid CD 4.410% 4.500%

CD Specials, for Even Greater Return on Your Investment

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

What is a CD Account & How Does It Work?

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.

How is a CD Different from a Savings Account?

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.

Now’s the Best Time to Get Valley's CDs

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!

Valley CDs — So Many Benefits for You!

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:

  • Competitive savings rates
  • Terms suited to help you reach your savings goal
  • Easy account management
  • Anytime access to your balance and other investment details with Valley’s free mobile and online banking

But, for these CD Specials, you’ll also get:

  • Rates that are higher than our regular CDs of similar terms!
  • Investment durations not offered elsewhere — great for added flexibility or to diversify your investment portfolio!

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.

Valley's Membership & Our CD Specials: Smart Money Moves You Can Bank On 

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.

You really couldn’t ask for more! Join THE VCU Family and secure your special CDs.


Read our certificate disclosure