Valley Bank CD Rates — October 2026
As of October 22, 2026, Valley Bank's highest CD rate is 4.10% APY on a 6-month promotional CD ($500 minimum). That is 2.9 times the FDIC national average for 6-month CDs (1.39%). Standard CD rates range from 3.05% to 3.55% APY.
Valley Bank CD rates
| Term | Product | APY |
|---|---|---|
| 3 months | 3-Month Fixed Rate CD | 3.55% |
| 6 months | 6-Month CD Promotion Promotional | 4.10% |
| 9 months | 9-Month Fixed Rate CD | 3.45% |
| 12 months | 12-Month Fixed Rate CD | 3.50% |
| 24 months | 24-Month Fixed Rate CD | 3.25% |
| 36 months | 36-Month Fixed Rate CD | 3.20% |
| 48 months | 48-Month Fixed Rate CD | 3.05% |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
Watch the renewal rate
The best promotional rate here is 4.10% APY (6 months). The standard rate for a similar term is 3.45% APY (9 months). If the CD renews at the standard rate when it matures, $10,000 would earn about $65 less per year. Check the account terms and set a reminder before maturity.
Best rate by term
- 3 mo3.55%
- 6 mo4.10%
- 9 mo3.45%
- 12 mo3.50%
- 24 mo3.25%
- 36 mo3.20%
- 48 mo3.05%
How Valley Bank compares
- Best 6-month rate among the institutions we track: Popular Direct at 4.35% APY.
- Popular Direct (NY): best 5.00% APY on 60 months.
- Barclays (DE): best 4.75% APY on 24 months.
- Sallie Mae Bank (UT): best 4.75% APY on 60 months.
- Capital One (VA): best 4.40% APY on 11 months.
- Marcus by Goldman Sachs (NY): best 4.40% APY on 12 months.
- 6-month Treasury: 4.40% APY-equivalent.
Rate changes
No changes since we started tracking Valley Bank on October 22, 2026.
About Valley Bank
- Legal name
- Valley National Bank
- Regulator ID
- FDIC 9396
- Headquarters
- Passaic, NJ
- Available in
- AL, CA, FL, IL, NJ, NY
- Total assets
- $66.2 billion
- Also known as
- Valley National Bank, Valley
- Website
- www.valley.com
Source: rates read from https://www.valley.com/personal/savings/cds. See the page text we read.
Frequently asked questions
What is the highest CD rate at Valley Bank?
4.10% APY on a 6-month promotional CD, as of October 22, 2026.
What is the minimum deposit for a Valley Bank CD?
The lowest minimum we found is $500.
How does Valley Bank's best CD rate compare with Treasury yields?
4.10% APY is −0.30% versus the 6-month Treasury yield of 4.40% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.10% a good CD rate?
It is 2.9 times the FDIC national average for a similar term (1.39% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Valley Bank CDs insured?
Valley Bank is an FDIC-insured bank (FDIC 9396). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Valley Bank's rate page every day. The rates above were last verified on October 22, 2026.
More CD rates
- Alliant Credit Union CD rates
- BECU CD rates
- Barclays CD rates
- CIT Bank CD rates
- Capital One CD rates
- Connexus Credit Union CD rates
- Eastern Bank CD rates
- Flagstar Bank CD rates
- Huntington Bank CD rates
- M&T Bank CD rates
- Marcus by Goldman Sachs CD rates
- Mountain America Credit Union CD rates
- Navy Federal Credit Union CD rates
- NuVision Credit Union CD rates
- PenFed Credit Union CD rates
- Popular Direct CD rates
- Rockland Trust CD rates
- Sallie Mae Bank CD rates
- State Employees' Credit Union (SECU) CD rates
- Suncoast Credit Union CD rates
- USAA Bank CD rates
- VyStar Credit Union CD rates
- Webster Bank CD rates
- Wintrust Bank CD rates
Rates are copied from Valley Bank's website and may change at any time. Confirm terms, minimums and eligibility with Valley Bank before opening an account. This page is not financial advice.