Source: https://www.valley.com/personal/savings/cds Read: 2026-10-22T04:55:24.000Z Skip To Main Content Personal Business Commercial Wealth About Locations & ATMs Customer Care Checking & Credit Cards Savings & CDs Mortgages & Loans Wealth & Insurance Pay Loan Sign In Personal Personal Savings Accounts Certificates of Deposit Valley's best CD rates Grow your savings with a Valley Certificate of Deposit at a guaranteed rate. Limited-Time Promotional Rates 6-Month CD Promotion 4.10% APY 6 months | $500 minimum to open | New money deposit only Apply now Learn more Short term CDs 3.55% APY 3-Month Fixed Rate CD Apply now Learn more 3.45% APY 9-Month Fixed Rate CD Apply now Learn more 3.50% APY 12-Month Fixed Rate CD Apply now Learn more Long term CDs 3.25% APY 24-Month Fixed Rate CD Apply now Learn more 3.20% APY 36-Month Fixed Rate CD Apply now See details 3.05% APY 48-Month Fixed Rate CD Apply now Learn more Important Disclosures Advertised annual percentage yields are accurate as of 10/22/2026. A $500 minimum balance is required to open the account and obtain the advertised annual percentage yields. For all CDs, early withdrawal penalties may be imposed and fees could reduce earnings and/or principal. Please review the account agreement, applicable product disclosure and applicable schedule of fees for additional terms and conditions. Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. When you open an account, we must ask for your name, address, date of birth and other information that will allow us to identify you. We may also request your driver's license or other identifying documents, even if you currently maintain a banking relationship with us. Strict adherence to these regulations helps to protect Valley and its customers from criminal activity. Your cooperation is greatly appreciated. Which account is right for you? Compare accounts with our handy guide Current choice Certificates of Deposit Best for longer-term savings goals Put away your money for big-ticket items like a college fund, dream vacation budget, or down payment for a house. Lock in a great rate APYs on fixed rate CDs stay the same throughout the term, so your money will grow consistently — regardless of changing interest rates. Easy account management Add money at the beginning of your fixed term, and then sit back and watch it grow. Once opened, you won't be able to add any funds and may pay a penalty to withdraw early. Savings and Money Markets Best for short-term savings goals Create an emergency fund or save for a big purchase without having to lock away your money for a fixed time. Convenient access to your money Managing your account is simple: you can add money or withdraw it whenever you like. Bank anywhere Manage your account on the go with our Online Banking and mobile app. Learn more about savings and money market accounts Open an account in minutes Step 1: Gather your Social Security Number and a valid ID. Step 2: Take a few minutes to fill out the application and fund your account. Step 3: Once approved, sit back knowing you've locked in your APY. Interested in something else? Check out more of our products and offerings Checking Choose from a range of checking accounts designed to meet your unique needs. Rewards Teen and student Online application available See all checking options Savings Compare our savings accounts and choose the one that best fits your needs. Savings Accounts Money Markets IRAs See all savings accounts Loans Explore our loans so you can buy what you need. Auto Loans Borrowing against life insurance See all loans Mortgages Get a Residential Mortgage from Valley to finance your home purchase Home Loans Refinancing HELOC Low income programs See all mortgage options Valley Insight Center Latest Tips and Articles Whether you're looking to manage your money better or stay informed about the latest financial trends, our Insight Center has you covered. BANKING 101 High-yield savings vs. CD: Which is right for you? Learn about interest rates, withdrawal limits, and more to make an informed decision. 4 minutes Read More MANAGING YOUR MONEY CD Laddering: A Smart Strategy for Saving Discover how CD laddering can help you grow your savings safely while keeping your money accessible. Learn the benefits of this smart, low-risk savings strategy. 4 minutes Read More BANKING 101 What is a Certificate of Deposit (CD)? Discover how CDs work, their benefits, and why they’re a smart choice in today’s economy. 4 minutes Read More See more articles Locations Contact Us Sectors Personal Banking Business Banking Commercial Banking Useful links Personal Customer Care Business Customer Care Personal Sign In Business Sign In Fraud & Security About About Us Careers Newsroom Investors Products Personal Checking Personal Saving Business Checking Copyright © 2026 Valley National Bank, All Rights Reserved. Terms & Conditions Privacy Notice Accessibility Do Not Sell or Share My Personal Information (California) Banking products and trust services are provided by Valley National Bank (the “Bank”), Member FDIC. Brokerage and insurance products are provided by Valley Financial Management, Inc. (“VFM”), a registered broker-dealer, member of FINRA and SIPC, and a licensed insurance agency. Advisory products are offered through VFM and Valley Wealth Managers, Inc. (“VWM”), SEC-registered investment advisers. Registration with the SEC does not imply that VFM or VWM, or any individual providing investment advisory services on their behalf, possess a certain level of skill or training. VFM and VWM are wholly owned subsidiaries of the Bank. Non-deposit investment products offered by the Bank and its subsidiaries, including VFM and VWM are: Not FDIC Insured, Not Bank Guaranteed, and May Lose Value.