All Certificates of Deposit are available as IRA Investments. Current as of: July 9, 2025.

^{** APY is Annual Percentage Yield. Interest on all certificates of deposit compound quarterly.}

^{* Open and/or Maintain a Bonus or Loyalty Checking Account to qualify for an initial additional .25% APY** on New Certificates of Deposit.  THE 7, 15 and 47 MONTH SPECIALS DO NOT QUALIFY FOR THE PREMIUM INTEREST RATE DUE TO THE SPECIAL RATE. To qualify for the premium APY* you must have a Bonus or Loyalty Checking account. The premium annual percentage yield is subject to change or discontinuance at account renewal.}

^{Minimum deposit is $500.00. Substantial penalty for early withdrawal, See an employee for more information.} 

Variable Rate Accounts**

Interest will be compounded quarterly. 

^{Interest will be compounded monthly.} 

^{$500 minimum to open an account.
Interest will be compounded semi-annually.}

^{$5,000 minimum to open an account.
Interest will be compounded monthly.}
Free Bank of the Valley custom designed checks.

^{***1.20% paid on balances from $.01-$20,000.99 and .40% paid on balances $20,001.00 and over when you meet the requirements per statement cycle. The requirements are at least 1 direct deposit or one ACH debit per statement cycle, accept your bank statement electronically (e-statement), and Make 10 VISA Check Card purchases as a credit per statement cycle (ATM transaction do not apply).  The 10 Visa Check Card transactions must post during the statement cycle. If the criteria is not met, no interest is awarded.} 

^{Interest is compounded monthly.}

<sup>Interest will be compounded monthly.

*APY is annual percentage yield.
**Rates may change after the account is opened.  Fees may reduce earnings.</sup>