What are the current interest rates at ValleyDirect?

Current rates for ValleyDirect include: 12-Month CD: 3.50%, 24-Month CD: 3.25%, 36-Month CD: 3.20%, 48-Month CD: 3.05%, Savings: 4.00%

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ValleyDirect Rates & Review September 2026

Q: How many branches does ValleyDirect operate?

ValleyDirect currently maintains approximately 232 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, ValleyDirect 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, ValleyDirect 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: September 18, 2026

ValleyDirect's 3-Month term 3-Month Certificate of Deposit rates are at 3.55%, 12-Month Fixed Rate CD rates are at 3.50%, 6-Month 6-Month Certificate of Deposit rates are at 3.50%, 6-Month Fixed Rate CD rates are at 3.50%, 24-Month Fixed Rate CD rates are at 3.25%. ValleyDirect's savings rates are at 4.00%. ValleyDirect's Credit Card Rates are at 19.24%. MonitorBankRates evaluates the financial stability of ValleyDirect with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.76%. Rates last updated and verified on 09/18/2026.

ValleyDirect 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 ValleyDirect? Share your experience about ValleyDirect by leaving a review below, or read customer reviews before you decide to use ValleyDirect.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.76%

Excellent Lower than avg

Health Trend

Worsening 12 quarters

Full history ›

ValleyDirect

615 Main Ave
Passaic, NJ 07055

https://www.valleydirect.com

ValleyDirect CD Rates

Product	Rate	APY	Term
3-Month Certificate of Deposit	-	3.55%	3 month term
Min Deposit $500 Min Balance $500 Details Earn 3.55% APY on balances of $500 or more. Account matures in 3 months. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.76%
12-Month Fixed Rate CD	-	3.50%	12-Month
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.76%
6-Month Certificate of Deposit	-	3.50%	6 month
Min Deposit $500 Min Balance $500 Details Earn 3.50% APY on balances of $500 or more. Account matures in 6 months. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.76%
6-Month Fixed Rate CD	-	3.50%	6-Month
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.76%
24-Month Fixed Rate CD	-	3.25%	24-Month
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.76%
36-Month Certificate of Deposit	-	3.20%	36 month term
Min Deposit $500 Min Balance $500 Details Earn 3.20% APY on balances of $500 or more. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.76%
36-Month Fixed Rate CD	-	3.20%	36-Month
No additional details. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.76%
48-Month Certificate of Deposit	-	3.05%	48 month term
Min Deposit $500 Min Balance $500 Details Earn 3.05% APY on balances of $500 or more. Account matures in 48 months. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.76%

ValleyDirect Savings Rates

Product	Rate	APY	View More
High Yield Savings Account	-	4.00%
Min Deposit $1,000 Min Balance $0 Details Introductory promo for new customers. The opening deposit also must be a new money deposit, which is defined as funds from an external funding source that are not presently on deposit in any other Valley account. Introductory Interest Rate is determined by adding 0.67% to the variable interest rate paid on the Valley Direct High Yield Savings account (the "Standard Interest Rate"). The Introductory Interest Rate, Standard Interest Rate and APY are variable and may change after the account is opened. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.76%

ValleyDirect Credit Card Rates

Product	Rate	APR	View More
TRAVEL REWARDS+ Credit Card	-	19.24%
Details Published APR range: 19.24% to 28.24%. Annual Fee: $0 introductory annual fee for the first 12 months. After that, $99 See Terms & Conditions APR for Purchases and Balance Transfers: 19.24% to 28.24% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate. See Terms & Conditions Apply Now Learn More Calculate Rewards Select to Compare Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.76%

ValleyDirect Other Rates

Product	Rate	Points	APY/APR	Term
COLLEGE REAL REWARDS CARD Loan	-	-	17.99%	6 billing cycles
Details Published APR range: 17.99% to 28.24%. Intro APR for Purchases and Balance Transfers: 0% introductory APR for the first 6 billing cycles. After that, Signature Real Rewards: 17.99% to 28.24% based on your creditworthiness when you open your account. Platinum Real Rewards: 17.99% to 28.24% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate. See Terms & Conditions Apply Now Learn More Calculate Rewards Select to Compare Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.76%
EVERYDAY REWARDS+ CARD Loan	-	-	17.99%	12 billing cycles
Details Published APR range: 17.99% to 28.24%. Intro APR for Purchases and Balance Transfers: 0% introductory APR for the first 12 billing cycles. After that, 17.99% to 28.24% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate. See Terms & Conditions Apply Now Learn More Calculate Rewards Select to Compare Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.76%
MAX CASH PREFERRED CARD Loan	-	-	17.99%	12 billing cycles
Details Published APR range: 17.99% to 28.24%. Intro APR for Purchases and Balance Transfers 0% introductory APR for the first 12 billing cycles. After that, 17.99% to 28.24% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate. See Terms & Conditions Apply Now Learn More Calculate Rewards Select to Compare Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.76%
MAX CASH SECURED CARD Loan	-	-	28.74%
Details APR for Purchases and Balance Transfers: 28.74% This APR will vary with the market and is based on the Prime Rate. See Terms & Conditions Apply Now Learn More Select to Compare Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.76%
RESERVE REWARDS+ CARD Loan	-	-	19.24%
Details Published APR range: 19.24% to 28.24%. APR for Purchases and Balance Transfers 19.24% to 28.24% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate. See Terms & Conditions Apply Now Learn More Calculate Rewards Select to Compare Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.76%
SECURED CARD Loan	-	-	27.74%
Details APR for Purchases and Balance Transfers: Secured: 27.74% This APR will vary with the market and is based on the Prime Rate. See Terms & Conditions Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.76%
ZERO+ CARD Loan	-	-	17.49%	21 billing cycles
Details Published APR range: 17.49% to 28.49%. Intro APR for Purchases and Balance Transfers: 0% introductory APR for the first 21 billing cycles. After that, 17.49% to 28.49% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate. See Terms & Conditions Apply Now Learn More Calculate Rewards Select to Compare Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.76%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

ValleyDirect’s Texas Ratio rose from 3.76% in Q3 2023 to 5.76% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold 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 Grade

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	$66.2B	5.76%	5.0	A+
March 31, 2026	$64.4B	5.45%	5.0	A+
December 31, 2025	$64.1B	5.41%	5.0	A+
September 30, 2025	$63.0B	5.35%	5.0	A+
June 30, 2025	$62.6B	4.51%	5.0	A+
March 31, 2025	$61.8B	4.51%	5.0	A+
December 31, 2024	$62.4B	4.79%	5.0	A+
September 30, 2024	$62.1B	4.13%	5.0	A+
June 30, 2024	$62.1B	4.46%	5.0	A+
March 31, 2024	$61.0B	4.12%	5.0	A+
December 31, 2023	$60.9B	4.19%	5.0	A+
September 30, 2023	$61.2B	3.76%	5.0	A+

Source: FDIC 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 ValleyDirect is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer 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 bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather ValleyDirect 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 ValleyDirect's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name ValleyDirect

Bank Holding Company VALLEY NATIONAL BCORP

Address 615 Main Ave, Passaic, NJ 07055 · Passaic

Website https://www.valleydirect.com

FDIC Certificate # 9396

Established 19270101

FDIC Insurance Date 19340101

Domestic Offices 232

Total Branches 232

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 97/100

5.0

Exceptional Out of 5.0 Stars

5.76%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.0769%

Return on Equity (ROE) 8.4500%

Non-Performing Loans (NPL) 0.72%

Total Assets $66,227,555,000

Total Deposits $54,339,086,000

Equity Capital $8,384,348,000

Net Income $349,411,000

Headquarters Passaic

Total Branches and Offices 232

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

ValleyDirect earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About ValleyDirect

How many branches does ValleyDirect operate?

ValleyDirect currently maintains approximately 232 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, ValleyDirect 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, ValleyDirect provides members with tools to manage their accounts and build a solid financial history.

Does ValleyDirect offer online and mobile banking?

Most modern institutions like ValleyDirect 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.valleydirect.com.