Valley Bank CD Rates (November 2026) & Calculator
Valley Bank pays up to 4.10% APY on a 6-month CD. Pick a term to see what your deposit earns, how it compares and what breaking it early would cost.
Valley Bank CD rates (Nov 5, 2026)
Every CD term Valley Bank lists on its website, with what $10,000 earns over the full term.
| Term | Product | Minimum | APY | $10,000 earns |
|---|---|---|---|---|
| 3 months | 3-Month Fixed Rate CD | $500 | 3.55% | $87.59 |
| 6 months | 6-Month CD PromotionSpecial | $500 | 4.10% | $202.94 |
| 9 months | 9-Month Fixed Rate CD | $500 | 3.45% | $257.65 |
| 1 year | 12-Month Fixed Rate CD | $500 | 3.50% | $350.00 |
| 2 years | 24-Month Fixed Rate CD | $500 | 3.25% | $660.56 |
| 3 years | 36-Month Fixed Rate CD | $500 | 3.20% | $991.05 |
| 4 years | 48-Month Fixed Rate CD | $500 | 3.05% | $1,276.96 |
Special is a promotional rate. Relationship needs a linked account at Valley Bank. A dash means the same APY as the opening balance. The highlighted row is Valley Bank's top rate.
Source: Valley Bank CD rates. Rates change often; confirm before you open an account.
Valley Bank vs the national average
The FDIC national average is what banks and credit unions pay on average, weighted by deposits (Oct 19, 2026). The last column is the best rate among the 51 other banks we track for the same term.
| Term | Valley Bank | National avg | Best other bank |
|---|---|---|---|
| 3 months | 3.55% | 1.14% |  Popular Direct 4.30% |
| 6 months | 4.10% | 1.39% | Popular Direct 4.35% |
| 9 months | 3.45% | 1.39% (6 mo) |  Synchrony 4.50% |
| 1 year | 3.50% | 1.76% | Popular Direct 4.60% |
| 2 years | 3.25% | 1.55% |  E*TRADE 4.80% |
| 3 years | 3.20% | 1.39% | Popular Direct 4.85% |
| 4 years | 3.05% | 1.31% | Popular Direct 4.95% |
Taxes on Valley Bank CD interest
CD interest is taxable as ordinary income, federally and in most states. You owe tax in the year the interest is credited or accrues, even if it stays in the CD until maturity. Valley Bank sends Form 1099-INT when you earn $10 or more in a year. For example, the $202.94 that $10,000 earns over 6 months at 4.10% would cost about $45 in federal tax in the 22% bracket.
If you pay an early withdrawal penalty, it appears in box 2 of your 1099-INT and you can deduct it from your income, even if you don't itemize. CDs held in an IRA follow IRA tax rules instead. See IRS Publication 550.
How We Calculate & Keep This Accurate
Maturity value is your deposit grown at the APY for the term: A = P × (1 + APY)^(months ÷ 12). The APY for each term is the highest balance tier your deposit qualifies for. Early withdrawal penalties are charged as simple interest on the deposit at the CD's interest rate (the APY converted to its daily rate), following Valley Bank's published rule for that term.
Rates come from Valley Bank's own rate page. We use the APY Ledger dataset (CC BY 4.0) to spot rate changes, and we checked a sample of rates and the penalty rules against Valley Bank's website and disclosures. Results are estimates, not an offer from the bank.
Primary Sources
Data & Freshness
Figures reflect 2026 tax-year data.
Last updated November 5, 2026 · Maintained by the Financial Calculator editorial team.
Valley Bank CD FAQs
Quick answers about Valley Bank CD rates and penalties.
What are Valley Bank's CD rates today?
How much will $10,000 earn in a 6-month Valley Bank CD?
Are Valley Bank CDs insured?
How do Valley Bank's rates compare with the national average?
Compare CD rates at other banks
Best APY at each bank for a $10,000 deposit, checked Nov 5, 2026. Valley Bank's best is 4.10%.
- Popular Direct1-year 4.60%Top rate5.00%5 yr
Sallie Mae1-year 4.50%Top rate5.00%5 yr- E*TRADE1-year 4.55%4.80%2 yr
Barclays1-year 4.50%4.75%2 yr- Synchrony1-year 4.30%4.75%5 yr
Ally1-year 4.50%4.50%1 yr
American Express1-year 3.75%4.50%10 mo
CIBC Agility1-year 4.50%4.50%1 yr
EverBank1-year 3.50%4.50%2 yr
Live Oak Bank1-year 4.50%4.50%1 yr
Associated Bank1-year 1.00%4.40%13 mo
Marcus1-year 4.40%4.40%1 yr
City National1-year 4.39%4.39%1 yr
Bask Bank1-year 4.35%4.35%1 yr
Atlantic UnionNo 1-year CD4.30%13 mo
Eastern BankNo 1-year CD4.30%18 mo
Flagstar1-year 4.30%4.30%1 yr
FNBNo 1-year CD4.30%13 mo
Huntington1-year 0.25%4.30%13 mo
TD Bank1-year 4.15%4.30%2 yr
BOK FinancialNo 1-year CD4.25%14 mo
Citi1-year 4.25%4.25%1 yr
Fulton Bank1-year 0.70%4.25%25 mo
PNC1-year 0.02%4.25%13 mo
UMB1-year 0.10%4.25%15 mo
Webster Bank1-year 0.02%4.25%11 mo · rel.
Wells Fargo1-year 1.51%4.25%11 mo · rel.
WSFS1-year 2.75%4.25%7 mo- Old NationalNo 1-year CD4.15%11 mo
Rockland Trust1-year 4.00%4.15%18 mo
M&T Bank1-year 3.00%4.10%18 mo · rel.
Navy Federal1-year 4.05%Credit union4.10%18 mo
WaFd Bank1-year 3.00%4.10%13 mo- United Bank1-year 2.00%4.05%11 mo
Capital One1-year 4.00%4.00%1 yr
CIT Bank1-year 4.00%4.00%1 yr
First Citizens1-year 2.00%4.00%5 mo- Customers BankNo 1-year CD3.85%3 mo
Fifth Third1-year 3.70%3.70%1 yr
Chase1-year 0.50%3.50%8 mo · rel.
PenFed1-year 3.20%Credit union3.50%5 yr
U.S. Bank1-year 3.40%3.50%9 mo
Western Alliance1-year 2.78%3.48%3 mo
Bank of Hawaii1-year 3.40%3.40%1 yr · rel.- CitizensNo 1-year CD3.10%14 mo · rel.
First Hawaiian1-year 2.90%3.05%6 mo · rel.
Zions Bank1-year 3.05%3.05%3 mo
USAA1-year 1.80%2.25%7 mo
OceanFirst1-year 0.10%0.50%7 yr
First Horizon1-year 0.10%0.10%6 mo
TruistNo 1-year CD–
Green rates beat Valley Bank's best rate. “rel.” means the rate needs a linked account. Need a bank that isn't listed? Use the CD calculator with any APY.