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Savings, CDs & IRAs

Valley Savings

  • Minimum initial deposit of $200
  • Service charge of $3 per month if daily balance falls below $200 minimum
  • Minimum initial deposit of $25 for students, minors, senior citizens and qualifying nonprofit organizations
  • Service charge of $3 per month if daily balance falls below $25 minimum
  • Interest rates may vary
  • Interest compounded and credited monthly
  • Limit of 6 pre-authorized withdrawals per month

Valley Preferred Savings

  • Minimum initial deposit of $1000
  • Interest rates may vary
  • Interest compounded and credited monthly
  • Limit of 6 pre-authorized withdrawals per month
  • Service charge of $10 per month if daily balance falls below $1000 minimum
  • Maintain $1000 balance and receive free logo checks on any United Valley Bank checking account

Certificate of Deposit

United Valley Bank offers a variety of terms with a minimum deposit of $500.

Certificates of Deposit (CDs) provide higher interest than regular savings accounts in return for your agreement to commit savings for specified periods of time. Penalty for early withdrawals may be imposed.

The Grow With Me CD

This is a savings certificate of deposit which an adult establishes for a child or grandchild. The account produces a higher interest return than regular savings and allows continuous deposits for maximum growth.

  • Minimum initial deposit of $100
  • Various terms and higher interest than regular savings accounts
  • May be added to at any time with minimum deposits of $25
  • Custodial account

Retirement Accounts

Retirement plans are means of helping you plan, prepare, and accumlate money for your retirement. We would be happy to discuss the benefits of a plan that would work for you.

  • Traditional (IRAs)
  • Roth IRAs

Health Savings Accounts (HSAs)

A Health Savings Account is a tax-exempt trust or custodial account established exclusively for the purpose of paying or reimbursing qualified medical expenses for you, your spouse and your dependents.

  • Tax-free benefits
  • Flexibility in spending
  • Year-to-year savings
  • Contribution options
  • Interest rates may vary
  • Minimum initial deposit of $100
  • $2 maintenance fee per month
  • Free HSA checks
  • Free Visa Debit Card