With interest rates in constant flux, the pursuit of certificates of deposit offering the best annual percentage yields (APY) remains ongoing.
TL;DR
- Valley Direct offers two conventional CD terms: 6-month at 4.00% APY and 12-month at 3.50% APY.
- A minimum deposit of $500 is required, with a 90-day interest penalty for early withdrawals on terms under one year.
- Valley Direct is an online division of Valley National Bank, providing limited CD options but FDIC insurance.
Valley Direct stands out as a premier option due to its exceptional performance. Despite a restricted range of term durations and CD options, it offers a suitable location for your savings if you can disregard minor imperfections.
Here’s what to know about Valley Direct CD rates.
As of November 10, 2025, these rates are valid but may be altered.
Valley Direct CD rates and products
Valley Direct foregoes specialized CD selections like flex, rate bump, business, and IRA CDs, providing only conventional CDs.
Terms are exclusively available in six- and 12-month durations. Valley Direct, an online arm of Valley National Bank, provides fewer Certificate of Deposit choices compared to the bank's full offerings, with limited selections available through the online platform.
Additionally, it's important to note that the smallest initial deposit required is $500. If you're considering a six-month CD, it should be funded with “new money”, meaning funds not presently held within a Valley National Bank account.
Valley Direct's standard CD rates
| Term length | APY |
|---|---|
| 6 months | 4.00% |
| 12 months | 3.50% |
| 6 months | |
|---|---|
| APY | 4.00% |
| 12 months | |
| APY | 3.50% |
Bank details checked Nov. 10, 2025
A comparison of Valley Direct against its rivals
Valley Direct provides substantial return rates on its Certificates of Deposit, though its limited selection of term lengths is noticeable. Here's a glimpse at some of the annual percentage yields offered by a couple of rival financial institutions.
 Valley Direct |  Capital One |  Ivy Bank |
|---|---|---|
| 3 months | 3 months | 3 months |
| N/A | N/A | 4.35% |
| 6 months | 6 months | 6 months |
| 4.00% | 3.50% | 4.00% |
| 9 months | 9 months | 9 months |
| N/A | 3.50% | N/A |
| 12 months | 12 months | 12 months |
| 3.50% | 4.05% | 3.75% |
| 18 months | 18 months | 18 months |
| N/A | 3.70% | N/A |
| Learn more | Learn more | Learn more |
| View offer at MoneyLion | View offer at MoneyLion | View offer at MoneyLion |
Bank details checked Nov. 10, 2025
Learn more about Valley Direct
Valley Direct is a digital arm of Valley National Bank, established in 1927. This device is solely for CDs and high-yield savings accounts; it doesn't offer standard account features such as checking or personal loans. To access these functionalities, you'll be required to establish an account with Valley National Bank.
While Valley Direct is online-only, you can service your account in-person at one of Valley Bank’s hundreds of branches around New Jersey, New York, Florida, and Alabama.
Frequently asked questions
Valley Direct CD minimum deposit
The minimum deposit required for a CD at Valley Direct is $500
Valley Direct CD terms
Valley Direct offers just two CD term options: 6 and 12 months.
Valley Direct CD early withdrawal penalties
The early withdrawal penalties for Valley Direct CDs vary between 90- and 540-days interest on the amount withdrawn, depending on the term length you select.
Valley Direct CD maturity options
When your Valley Direct CD matures, you will receive a 10-day period during which you can reinvest your money into another CD or withdraw your money. If you do nothing, your CD will auto-renew for the same term length at the current APY.
Valley Direct CDs: FDIC insured?
Yes, Valley Direct CDs are FDIC insured up to $250,000 per account holder per account ownership category.