ValleyDirect CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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Today's 12-month CD rates can be found at 0.35%, 6-month CD rates at 1.81% and 3-month CD rates at 0.50%. Current savings rates are at 0.05% and money market rates are at 0.15%. Mortgage rates today on 30-year fixed loans are around 7.01%. Credit Card rates are at 14.24%. Personal Loan rates are at 8.99%. All these rates, and more, can be found in our database of rates. ValleyDirect's 6-Month CD rates are at 4.75%, 12-Month CD rates are at 4.50%, 24-Month CD rates are at 4.25%. ValleyDirect's savings rates are at 0.85%. ValleyDirect's money market rates are at 1.35%.

ValleyDirect

To see how these rates compare to ValleyDirect CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from ValleyDirect, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with ValleyDirect CD rates. You can also compare ValleyDirect savings rates, MMA rates and mortgage rates using our other rate lists.

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.

ValleyDirect Texas Ratio

ValleyDirect's Texas Ratio is at 6.59%, which is considered excellent. The Texas Ratio for ValleyDirect is higher than the national average of all banks, currently at 6.24%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

Overall, ValleyDirect is an excellent bank worth considering, with an overall rating of 5 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
4.50%
18-Month CD
N/A
24-Month CD
4.25%
36-Month CD
N/A
48-Month CD
N/A
60-Month CD
N/A
Savings
0.85%
MMA
1.35%
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
ValleyDirect
615 Main Ave
Passaic, NJ 07055
Member FDIC
MonitorBankRates' Rating
5/5
★★★★★

ValleyDirect CD Rates and Interest Rates

Bank
Product
APY
Min Dep
ValleyDirect
ValleyDirect
6-Month CD
4.75%
$500
ValleyDirect
ValleyDirect
12-Month CD
4.50%
$500
ValleyDirect
ValleyDirect
24-Month CD
4.25%
$500
ValleyDirect
ValleyDirect
Tiered Money Market Savings
1.35%
$2,000
ValleyDirect
ValleyDirect
Valley All Access Savings
0.85%
$100

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Compare ValleyDirect Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
Ixonia Bank
Ixonia Bank
12-Month CD
5.25%
$1,000
Northeast Bank Portland, ME
Northeast Bank Portland, ME
12-Month CD
5.00%
$5,000
Tioga-Franklin Savings Bank
Tioga-Franklin Savings Bank
Affinity Specialty Savings <-$25K
5.00%
$0
First Bank Hampton
First Bank Hampton
12-Month Jumbo CD
4.65%
$100,000
FinWise Bank
FinWise Bank
18-Month CD
4.58%
$500
Independent Bank Mckinney, TX
Independent Bank Mckinney, TX
24-Month CD
4.15%
$500
Ridgewood Savings Bank
Ridgewood Savings Bank
18-Month CD
4.10%
$100
PSECU
PSECU
18-Month CD
4.09%
$500
FNB of Raymond
FNB of Raymond
12-Month CD
4.07%
$1,000
Ridgewood Savings Bank
Ridgewood Savings Bank
60-Month CD
3.75%
$100
James Polk Stone Community Bank
James Polk Stone Community Bank
12-Month CD special
3.75%
$1,000
BankSouth GA
BankSouth GA
36-Month CD
3.50%
$500
Chesapeake Bank
Chesapeake Bank
37-Month CD
3.30%
$1,000
Marquette Savings Bank
Marquette Savings Bank
18-Month CD
3.29%
$500
New Peoples Bank
New Peoples Bank
24-Month CD
3.10%
$0
Integrity Bank & Trust
Integrity Bank & Trust
60-Month CD
3.03%
$500
Bellevue State Bank
Bellevue State Bank
36-Month CD
2.77%
$2,500
Ergo Bank
Ergo Bank
36-Month CD
2.72%
$50
FSB Louise, TX
FSB Louise, TX
12-Month CD
2.68%
$1,000
Mutual Savings Association
Mutual Savings Association
5-Star Money Market
2.65%
$1,000,000
Hcbt
Hcbt
12-Month CD
2.53%
$1,000
First Westroads Bank
First Westroads Bank
48-Month CD
2.50%
$100
Heritage Bank of St Tammany
Heritage Bank of St Tammany
Prime Bonus Interest Checking
2.50%
$0
AbbyBank
AbbyBank
60-Month CD
2.28%
$1,500
First National Bank Alamogordo, NM
First National Bank Alamogordo, NM
48-Month CD
2.27%
$100
Connex Credit Union
Connex Credit Union
24-Month CD
2.20%
$500
Grinnell State Bank
Grinnell State Bank
6-Month CD
2.06%
$1,000
Thumb Bank and Trust
Thumb Bank and Trust
6-Month CD
2.02%
$500
First State Bank New London, WI
First State Bank New London, WI
18-Month CD
1.55%
$5,000
Wayne Bank and Trust Co.
Wayne Bank and Trust Co.
6-Month CD
1.51%
$1,000
First Bank Waverly, IA
First Bank Waverly, IA
48-Month CD
1.50%
$1,000
State Bank of Canton
State Bank of Canton
30-Month CD
1.45%
$500
Buena Vista National Bank
Buena Vista National Bank
48-Month CD
1.25%
$500
First State Bank Nebraska
First State Bank Nebraska
24-Month CD
1.25%
$5,000
Machias Savings Bank
Machias Savings Bank
36-Month CD
1.20%
$500
Fairfield County Bank
Fairfield County Bank
36-Month CD
1.00%
$2,500
Community Bank of Missouri
Community Bank of Missouri
60-Month CD
0.90%
$500
Farmers and Merchants Bank Milford, NE
Farmers and Merchants Bank Milford, NE
6-Month CD
0.30%
$1,500
Triad Bank, N.A.
Triad Bank, N.A.
Savings Account
0.25%
$100
FSB of Wyoming
6-Month CD
0.20%
$2,000
North Shore Bank
North Shore Bank
24-Month CD
0.20%
$1,000
Bank of Botetourt
Bank of Botetourt
Personal Savings
0.15%
$100
Stoughton Co-operative Bank
Stoughton Co-operative Bank
Money Market
0.15%
$2,500
First Federal S&L of Greene Co
First Federal S&L of Greene Co
Statement Savings Account
0.10%
$0
Federation Bank
Federation Bank
Money Market
0.05%
$1,000
North Brookfield SB
North Brookfield SB
Statement Savings
0.05%
$25
GSB Guilford Savings Bank
24-Month CD
0.05%
$1,000
WVS West View SB
WVS West View SB
Christmas Club Savings
0.05%
$100
Cape Cod Five Cents Savings Bank
Cape Cod Five Cents Savings Bank
12-Month CD
0.05%
$10,000
Premier Bank
Premier Bank
12-Month CD
0.05%
$500
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Mortgage Rates April 17, 2024

Lender
Product
Rate
APR
Points
10 Year Fixed
6.750%
0.000%
0.000
15 Year Fixed
7.000%
0.000%
0.000
20 Year Fixed
7.500%
0.000%
0.000
5.250%
0.000%
0.000
4.500%
4.666%
0.000
4.650%
4.766%
0.000
4.990%
5.287%
0.500
5.000%
5.363%
2.000
5.500%
5.570%
0.000
5.500%
5.614%
0.000
10-Year Power Rate Fixed
5.954%
5.625%
0.000
15-Year Fixed
5.625%
5.681%
0.000
5.500%
5.716%
0.500
15-Year Power Rate Fixed
5.974%
5.750%
0.000
5.625%
5.777%
0.500
5.500%
5.820%
0.000
5.750%
5.834%
0.000
15-Year Fixed
5.625%
5.877%
0.975
5.750%
5.883%
0.500
5.750%
5.886%
0.000
6.000%
5.892%
0.000
10-Year Fixed (LTV 90% or less)
5.675%
5.894%
0.000
5.625%
5.909%
1.000
Show More

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

ValleyDirect Information

ValleyDirect
615 Main Ave
Passaic, NJ 07055
Passaic
Established Date: 01/01/1927
FDIC Certificate #: 9396
Date of FDIC Deposit Insurance: 01/01/1934
Bank Holding Company: VALLEY NATIONAL BCORP
How Many Domestic U.S. Offices? 239
How Many Branches are There? 239
Is ValleyDirect FDIC Insured? Yes
What is ValleyDirect's Cert number? 9396
What is the maximum amount for insured deposits? $250,000 per holder, per account

ValleyDirect Financials

Total Assets:
$64,314,291,000
Total Deposits:
$47,761,044,000
Equity Capital:
$7,254,058,000
Domestic Deposits:
$47,761,044,000
Net Income:
$155,304,000
Return on Assets:
1.1300%
Quarterly Return on Assets:
1.0200%
Pretax Return on Assets:
1.4171%
Pretax Quarterly Return on Assets:
1.4200%
Return on Equity:
8.7700%
Quarterly Return on Equity:
8.6200%
Common Equity Tier 1 Capital Ratio:
11.1546%
Tier 1 Risk-Based Capital Ratio:
11.1546%
Leverage Tier 1 (Core Capital) Ratio:
9.6892%
Total Risk-Based Capital Ratio (YTD):
11.9875%
Total Interest Income (YTD):
3.9687%
 
 
Headquarters:
Passaic
FDIC Field Office:
Jamesburg
Regulator:
OCC
County:
Passaic
# of Offices:
239
Metropolitan Statistical Area (MSA):
New York-Newark-Jersey City, NY-NJ-PA
Consolidated Metropolitan Statistical Area (CMSA):
New York-Northern New Jersey-Long Island, NY-NJ-CT-PA
OTS Region:
Northeast
FDIC Region:
New York
Source: FDIC

The Top Savings Rates and MMA Rates: Maximize Your Annual Return

In 2023, high-yield savings accounts are offering surprisingly attractive rates, making an excellent time to grow your savings. Below are the best savings rates listed in our database of rates. The top choices based on their Annual Percentage Yield (APY), along with the minimum deposit required and the interest you could earn annually on deposits of $10,000 and $100,000.

Elevault leads the pack with their Savings Account offering a remarkable 5.50% APY. With no minimum deposit required, you could earn $550 annually on a $10,000 deposit and $5,500 on a $100,000 deposit.

Betterment comes in close competition, also offering a 5.50% APY through their Savings Special (boosted APY) account. The minimum deposit is a mere $10, and the interest earned annually would be $550 on a $10,000 deposit and $5,500 on a $100,000 deposit.

    Read more...

Explore Other Rate Deals

Synchrony Bank Savings rates are now at 1.04 percent with a yield of 1.05 percent. View current Savings rates at Synchrony Bank below.
Most analysts believe the Federal Reserve will increase rates sometime in 2015. What is unclear is not only when rates will be increased but by how much and how quickly rates will move higher. Back in December 2008, The Federal Open Market Committee voted to decrease the fed funds rate to a targeted range of zero to one quarter percent, where it remains today.

Bank or Credit Union Offers and Deals

Today's Mortgage Rates at Record Lows are Finally Helping Housing: FHFA Housing Price Index +0.8% for May
Highest 12 Month CD Rates - PA
Addition Financial CD Rates Limited Time Offer: 12-Month CD 5.12% APY
Mortgage Rates: 30 Year Mortgage Rates at 5.05%, 15 Year Mortgage Rates at 4.40%
Weekly Mortgage Rates: Jumbo Mortgage Rates
Fed Will Push Top 1 Year CD Rates Above 1.50%
Mortgage Rates Slightly Lower: 30 Year Home Mortgage Rates at 4.40%, 15 Year Home Mortgage Rates at 3.86%
Mortgage Rates Nosedive to New Low
Record Low Mortgage Rates are History as Fixed Rates Soar 50 Basis Points
Current 30 Year Mortgage Rates Still Low at 3.50 Percent but Will Increase in 2013

Alternative Bank and Credit Union Offers to Explore

Ascencia Bank Current CD Rates
Colorado Federal Savings Bank CD Rates
Current Mortgage Rates: 30 Year Mortgage Rates at 4.94% and 15 Year Mortgage Rates at 4.33%
Mortgage Rates Headed Higher This Year
EverBank Increases CD Rates, 1 Year Bank CD Rates at 1.10% APY
ASECU Best CD Rates
Savings Rates Forecast for 2014 and 2015
Mortgage Rates Mixed in Mortgage Survey: 30 Year Mortgage Rates at 4.74% and 15 Year Mortgage Rates at 4.05%
Current Mortgage Rates Unchanged - 10 Year Bond at 3.45 Percent
Capital One CD Rates 5.25% APY 18-Month CD Best Deal

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