What are the current interest rates at Valley Strong Credit Union?

Current rates for Valley Strong Credit Union include: 12-Month CD: 0.05%, 18-Month CD: 1.00%, 24-Month CD: 1.15%, Savings: 0.40%, MMA: 2.25%

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Valley Strong Credit Union

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Valley Strong Credit Union Rates & Review October 2026

Q: Is a member application needed to join Valley Strong Credit Union?

Yes, to access services at Valley Strong Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Valley Strong Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 10, 2026

Valley Strong Credit Union's top rates as of October 10, 2026 are 1.51% APY on its 36 month CD, 0.40% APY on savings, and 2.25% APY on money market accounts, according to rates verified by MonitorBankRates. Other Valley Strong Credit Union CD rates include 24 month CD at 1.15%, 24 month CD at 1.15%, and 18 month CD at 1.00%. MonitorBankRates evaluates the financial stability of Valley Strong Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 13.47%. Rates last updated and verified on 10/10/2026.

Valley Strong Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Valley Strong Credit Union? Share your experience about Valley Strong Credit Union by leaving a review below, or read customer reviews before you decide to use Valley Strong Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 93/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

13.47%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Valley Strong Credit Union
Administrative Office

11500 Bolthouse Dr
Bakersfield, CA 93311-8822

https://www.valleystrong.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Valley Strong Credit Union CD Rates

Product	Rate	APY	Term
36 month Share Certificate	1.50%	1.51%	36 Months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.51% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.47%
24 month Share Certificate	1.144%	1.15%	24 Months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.47%
24 month Share Certificate	1.15%	1.15%	24 Months
Min Deposit $1,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.47%
18 month Share Certificate	0.995%	1.00%	18 Months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.47%
18 month Share Certificate	1.00%	1.00%	18 Months
Min Deposit $1,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.47%
12 month Share Certificate	0.797%	0.80%	12 Months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.80% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.47%
12 month Share Certificate	0.80%	0.80%	12 Months
Min Deposit $1,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.80% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.47%
6 month Share Certificate	0.399%	0.40%	6 Months
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.47%
12 month Simple Savers Certificate	0.05%	0.05%	12 months
Min Deposit $25 Min Balance $25 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.47%

Valley Strong Credit Union Savings Rates

Product	Rate	APY	View More
Scalable Savings	0.40%	0.40%
Min Deposit $1,000 Details Minimum Opening Balance Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.40% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.47%

Valley Strong Credit Union Money Market Rates

Product	Rate	APY
Premier Money Market Account	-	2.25%
Min Deposit $100,000 Details Offer is valid as of 05/01/2026. Fees may reduce earnings. This is a variable account. Valley Strong Membership is required. Offer and rates are subject to change at any time. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.47%
Promotional Money Market Account	-	2.05%
Min Deposit $2,500 Details Offer is valid as of 03/01/2026. Fees may reduce earnings. This is a variable account. Valley Strong Membership is required. Offer and rates are subject to change at any time. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 2.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.47%
Money Market Account	0.797%	0.80%
Min Deposit $1,000 Min Balance $500,000 Details Balance: $500,000.00 and over Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.80% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.47%
Money Market Account	0.549%	0.55%
Min Deposit $1,000 Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.55% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.47%
Money Market Account	0.399%	0.40%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.47%
Money Market Account	0.349%	0.35%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.47%
Money Market Account	0.25%	0.25%
Min Deposit $1,000 Min Balance $10,000 Details Balance: $10,000.00 - $49,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.47%
Money Market Account	0.15%	0.15%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $9,999.99 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 13.47%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Valley Strong Credit Union’s Texas Ratio rose from 10.31% in Q3 2023 to 13.47% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$4.1B	13.47%	5.0	A
March 31, 2026	$4.1B	14.80%	5.0	A-
December 31, 2025	$4.0B	13.99%	5.0	A
September 30, 2025	$3.9B	13.05%	5.0	A
June 30, 2025	$3.9B	13.46%	5.0	A
March 31, 2025	$4.0B	11.62%	5.0	A
December 31, 2024	$3.9B	13.96%	5.0	A
September 30, 2024	$3.9B	10.63%	5.0	A
June 30, 2024	$3.9B	10.08%	5.0	A
March 31, 2024	$3.8B	10.41%	5.0	A
December 31, 2023	$4.0B	9.91%	5.0	A
September 30, 2023	$4.1B	10.31%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Valley Strong Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Valley Strong Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Valley Strong Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Valley Strong Credit Union

Website https://www.valleystrong.com

Address 11500 Bolthouse Dr, Bakersfield, CA 93311-8822

Phone 661-833-7900

Fax

President Dennis Scott

CEO Nicholas Ambrosini

Full-Time Employees 539

Part-Time Employees 79

Branch Locations 30

ATM Locations 24

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (93/100)

Texas Ratio

13.47%

Return on Assets (ROA)

0.3827%

Return on Equity (ROE)

4.1279%

Non-Performing Loans Ratio (NPL)

1.94%

Total Assets

4,084,648,286

Total Amount of Shares and Deposits

3,652,847,877

Total Shares and Deposits < 1 Year

3,611,334,758

Total Shares and Deposits 1 3 Years

28,206,615

Total Shares and Deposits > 3 Years

13,306,504

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

300,277,296

Total Uninsured Shares and Deposits > $250K (F+J)

300,277,296

Total Insured Shares and Deposits > $250K (item 17 less item K)

3,352,570,581

Total Interest Expense (Sum of items 6 8)

19,924,566

Share Certificates

2,344

Number of Accounts for Share Drafts

185,263

IRA KEOGH Accounts

3,012

Number of Accounts for Regular Shares

498,386

Non Member Deposits

Money Market Shares

25,769

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

252,439,391

Total Liabilities

3,717,287,737

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Valley Strong Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Frequently Asked Questions About Valley Strong Credit Union

How many branches does Valley Strong Credit Union operate?

Valley Strong Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Valley Strong Credit Union?

Yes, to access services at Valley Strong Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Valley Strong Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Valley Strong Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Valley Strong Credit Union offer online and mobile banking?

Most modern institutions like Valley Strong Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.valleystrong.com.