Available nationwide, the Valley Bank High-Yield Savings Account is offering an attractive 3.95% APY + up to $1500 bonus powered by Raisin.
Update 2/3/26: You can currently earn up to $1500 bonus through 2/28/26!
- Start earning more with Raisin — including up to a $1,500 cash bonus. Open an account using code HEADSTART by February 1 and make a qualifying deposit. Valid for new customers only.
- Select a savings offer and sign up: Choose and fund at least one high-yield savings account or CD on the Raisin platform to get started. Be sure to enter bonus code HEADSTART during sign-up to be eligible for a cash bonus.
- Deposit funds: The more you save, the more you can earn. Make a qualifying deposit(s) within 14 days of opening your account to set your bonus tier.
- Deposit $10,000 – $24,499, earns a $70 cash bonus
- Deposit $25,000 – $49,999 earns a $175 cash bonus
- Deposit $50,000 – $99,999 earns a $350 cash bonus
- Deposit $100,000 – $199,999 earns a $750 cash bonus
- Deposit $200,000 or more earns a $1,500 cash bonus
- Maintain your deposit(s): Maintain your deposit(s) for 90 days from your first deposit date to earn your bonus.
Terms:
- New customers only. Earn a cash bonus when you deposit and maintain funds with partner banks on the Raisin platform. Customers will receive $70 for depositing between $10,000 and $24,499, $175 for depositing between $25,000 and $49,999, $350 for depositing between $50,000 and $99,999, and $750 for depositing between $100,000 and $199,999, and $1,500 for depositing $200,000 or more. To qualify for the bonus, your first deposit must be initiated between January 15, 2026, and February 28, 2026, by 11:59 PM ET, and the promo code HEADSTART must be entered at the time of sign-up. Only funds deposited within 14 days of the initial deposit date and maintained with partner banks on the Raisin platform for 90 days will be eligible for this bonus. Bonus cash will be credited directly to your Cash Account within 30 of meeting all qualifying terms. 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.
About Valley Bank Savings Review
Empowering businesses is the core of Valley Bank’s mission. Working with businesses large and small, Valley Bank helps them bring their goals to fruition. There’s a reason they’re one of the leading commercial banks in the United States with over $61 billion in assets and more than 200 branches across the country.
With a history dating back to 1927, they’ve established themselves a trusted and respected partner not only in commercial banking, but in their communities as well. They’re proud to give back, with initiatives ranging from investments in small business and low-to-moderate income neighborhoods to fostering thousands of employee volunteer hours and millions of dollars in charitable giving.
For Valley Bank, putting their values into action is a priority and their work has a positive impact on their local community.
| Balance Requirement | APY Rate |
| $0.01+ | 3.95% APY |
Valley Bank Savings Rate
- Account Type: High Yield Savings Account
- Interest Rate: 3.95% APY
- Availability: Nationwide
- Minimum Balance: None
- Maximum Balance: None
- Credit Inquiry: Unknown
- Opening Deposit: $1 minimum
- Monthly Fees: None
- Early Termination Fee: None
(FDIC Insured)
An ATM card will be issued upon request. While the opening deposit must be made through an ACH transfer, additional deposits can also be made using the ATM card. Withdrawals can be made using the ATM card or through ACH transfer.
Valley Bank ACH Capabilities and Limits
| ACH Type | Speed | Daily $ Limit | Monthly $ Limit | Notes |
| Push | ? | ? | ? | ? |
| Pull | ? | ? | ? | ? |
How to Earn Valley Bank Rate
- Click here to open an High-Yield Savings account from Valley Bank with an opening deposit of $1.
- Maintain any balance amount and earn the 3.95% APY rate.
Why You Should Sign Up For This Account
- 24/7 online access to funds.
- No fees from Raisin. $1 minimum deposit.
Bottom Line
Check out this offer from Valley Bank and open a High Yield Savings Account to earn the high rate today!
Interested in Bank Bonuses? See our favorite banks including HSBC Bank, Chase Bank, Huntington Bank, Discover Bank, TD Bank, or CIT Bank.
For more bank offers, see the complete list of Best Bank Rates!
Check back often to see the latest info on Valley Bank High Yield Savings Account.
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