All Certificates of Deposit are available as IRA Investments. Current as of: January 21, 2025.

^{** APY is Annual Percentage Yield. Interest on all certificates of deposit compound quarterly.}

^{* Open and/or Maintain a Bonus or Loyalty Checking Account to qualify for an initial additional .25% APY** on New Certificates of Deposit.  THE 7 AND 19 MONTH SPECIALS DO NOT QUALIFY FOR THE PREMIUM INTEREST RATE DUE TO THE SPECIAL RATE. To qualify for the premium APY* you must have a Bonus or Loyalty Checking account. The premium annual percentage yield is subject to change or discontinuance at account renewal.}

^{Minimum deposit is $500.00. Substantial penalty for early withdrawal, See an employee for more information.} 

Variable Rate Accounts**

Interest will be compounded quarterly. 

^{Interest will be compounded monthly.} 

^{$500 minimum to open an account.
Interest will be compounded semi-annually.}

^{$5,000 minimum to open an account.
Interest will be compounded monthly.}
Free Bank of the Valley custom designed checks.

^{***1.20% paid on balances from $.01-$20,000.99 and .40% paid on balances over $20,001.00 when you meet the requirements per statement cycle. The requirements are at least 1 direct deposit or one ACH debit per statement cycle, accept your bank statement electronically (e-statement), and use your Visa Check Card at least 10 or more times per statement cycle as a credit purchase.  The 10 Visa Check Card transactions must post prior to the statement. If the criteria is not met, no interest is awarded.} 

^{Interest is compounded monthly.}

<sup>Interest will be compounded monthly.

*APY is annual percentage yield.
**Rates may change after the account is opened.  Fees may reduce earnings.</sup>