Available nationwide, Mission Valley Bank High Yield Savings Accounts are offering a phenomenal 3.86% APY rate + up to $2000 bonus.

Update 12/15/25: The rate has decreased to 3.86% APY from 3.96%. You can currently earn up to $2000 bonus through December!

Start your savings journey this December with promo code GIFT– available for new customers only. Open your first account, add funds, and enjoy cash rewards all year long! The more you save, the more you earn. Add funds each quarter to grow your balance and unlock higher rewards. The more you save, the more you earn up to $2000.
Deposit $10,000 earns a $20 quarterly bonus (up to $80 bonus).
Deposit $25,000 earns a $50 quarterly bonus (up to $200 bonus).
Deposit $50,000 earns a $100 quarterly bonus (up to $400 bonus).
Deposit $100,000 earns a $200 quarterly bonus (up to $800 bonus).
Deposit $250,000 earns a $500 quarterly bonus (up to $2000 bonus).

Terms:

New customers to the Raisin platform only. New customers are eligible to earn a cash bonus each quarter for all of 2026 when they deposit and maintain funds with partner banks and credit unions on the Raisin platform subject to the following terms. To qualify, sign up and initiate your first deposit between December 1, 2025, and December 31, 2025 using promo code GIFT during signup. Qualified new customers will then receive a quarterly bonus based on their Eligible Deposit balance maintained on the Raisin platform for each quarter. Quarterly bonus tiers for Eligible Deposit balances are: $20 for balances between $10,000 and $24,999, $50 for balances between $25,000 and $49,999, $100 for balances between $50,000 and $99,999, $200 for balances between $100,000 and $249,999, and $500 for balances of $250,000 or more. “Eligible Deposits” are defined as both funds on deposit and deposits initiated on the Raisin platform by the 14th day of a calendar quarter (the “Qualification Date”). To qualify for a bonus tier, your Eligible Deposit balance must remain above the minimum for a bonus tier from the Qualification Date until the end of that quarter. If your Eligible Deposit balance declines at any time during a quarter after the Qualification Date, you will be placed in the bonus tier corresponding to your lowest Eligible Deposit balance for that quarter even if you subsequently deposit additional funds in that same quarter (though such funds will count as Eligible Deposits for the following quarter). Customers may increase their Eligible Deposit balance and corresponding potential bonus tier by adding funds prior to the quarterly Qualification date (i.e., the first 14 days of the quarter). Bonus payouts for each quarter will be credited directly to your Cash Account within 30 days of that quarter’s end. This offer is available to new customers only and may not be combined with any other bonus offers. Raisin may modify or end this offer at any time and may withhold or revoke bonuses in cases of fraud, abuse, or violation of these terms or Raisin’s Terms of Service.

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About Mission Valley Bank High Yield Savings

Mission Valley Bank is a full-service, independent, commercial bank that is locally owned, community-minded and relationship driven.

A CDFI (Community Development Financial Institution), Mission Valley Bank has been committed to supporting the growth of small business for more than 20 years and their Give Where You Live program spotlights and supports local area non-profits though both volunteerism and contributions throughout the year.

Mission Valley Bank is dedicated to their customers’ success.

They appreciate each client’s business and welcome the opportunity to earn yours.

Balance Requirement	APY Rate
$0.01+	3.86% APY

Mission Valley Bank High Yield Savings Rate

Account Type: High Yield Savings Account
Interest Rate: 3.86% APY
Availability: Nationwide
Minimum Balance: None
Maximum Balance: None
Credit inquiry: Soft Pull
Opening Deposit: $1 minimum
Monthly Fees: None
Early Termination Fee: None

Apply Now at Mission Valley Bank

(FDIC Insured)

Mission Valley Bank ACH Capabilities and Limits

ACH Type	Speed	Daily $ Limit	Monthly $ Limit	Notes
Push	?	?	?
Pull	?	?	?

How to Earn Mission Valley Bank Rate

Open a new account with a minimum opening deposit of $1.
Fill out your personal information – Provide your name, address, phone, email and social security number or Tax ID.
Fund the account/transfer funds – Transfer funds electronically from an internal account here or an external account at another bank.
Start earning interest from Day 1 of your first deposit with no limit on how much you can earn.

Why You Should Sign Up For This Account

FDIC insured. No fees. $1 minimum deposit.
24/7 online access to funds.
Mission Valley Bank actively supports many non-profit organizations – making a difference throughout the communities they serve.