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CDs & IRAs

Certificates of Deposit

Certificates of deposit (CDs) are popular investment accounts that are simple to transact. Valley State Bank offers CDs with various terms and competitive rates, for amounts starting as low as $500.00.

Please contact a Valley State Bank customer service representative for additional information, disclosures and current rates on CDs.

Individual Retirement Accounts

Valley State Bank offers traditional individual retirement accounts (IRAs) that allow qualifying individuals to set aside a portion of annual income on a tax-deferred basis. We also offer ROTH IRAs, which allow your earnings to grow tax-deferred.

Please contact a Valley State Bank customer service representative for additional information, disclosures and current rates on IRAs.

NOTICE: By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositorís accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

For more information about FDIC insurance coverage of noninterest-bearing transaction accounts, visit: http://www.fdic.gov/deposit/deposits/unlimited/expiration.html.

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