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Share Savings

  • Establishes your membership to Valley Communities Credit Union
  • Competitive dividends paid on balances of $100 or more
  • No monthly service fee
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High Yield Shares

  • Competitive dividends earned on balances of $5,000 or more
  • Higher dividend earnings than a regular share savings
  • Unlimited in-person withdrawals and no monthly service fee
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Money Market

  • Competitive dividends earned on balances of $25 or more
  • Unlimited in-person withdrawals and no monthly service fee
  • Minimum deposit of $10,000
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Share Certificate

  • Guaranteed, fixed-rate earnings (at a higher rate than regular savings)
  • Provides more guarantee than risky investment options
  • Wide range of terms available (from 3 months to 5 years)
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Escrow

  • Save in advance for property taxes and/or hazard insurance
  • No monthly service fee and no penalty for withdrawals
  • Includes free digital banking services such as online banking
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Christmas Club

  • Reduce holiday-related debt and stress by saving in advance
  • Dividends paid quarterly with no monthly service fee
  • Funds available anytime, and no penalty for early withdrawals
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Youth Savings

  • Kids and teen clubs available
  • Deposits earn points, which can be redeemed for prizes
  • No monthly service fees
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Health Savings Account (HSA)

  • Greater personal control over healthcare management and expenses
  • Prepare for qualified medical expenses
  • Earn dividends above standard savings on entire balance
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Individual Retirement Accounts (IRAs)

  • Competitive dividends above standard savings rates
  • Traditional and Roth IRA options
  • Coverdell ESA also available to save for college expenses
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