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Valley Strong Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.valleystrong.com
661-833-7730
11500 Bolthouse Dr
Bakersfield, CA 93311

Valley Strong Credit Union is headquartered in Bakersfield and is the 19th largest credit union in the state of California. It is also the 123rd largest credit union in the nation. It was established in 1940 and as of March of 2025, it had grown to 548 employees and 343,182 members at 27 locations. Valley Strong Credit Union's money market rates are 7X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in Valley Strong Credit Union is open to anyone in San Joaquin Valley.
See current membership details

Reviews (1)

Transaction Manipulations

Posted by: |

Was or seemed like a good banking choice until I witnessed on my account that my transactions were manipulated in order for the bank to charge me upwards of $150 in fee’s. Trust is now gone, I’ll have to watch everything daily until I transfer my family accounts elsewhere but I guess I understand now how they could afford to give every new member $250 or $500 shared if a business is referred…. Shady.

4


Health
B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #68712
Year Chartered1940
Employees548
Primary Regulator
Profit Margin
Return on Assets - YTD0.55%
Return on Equity - YTD6.56%
Annual Interest Income$46.1MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$3.96B$3.85B
LoansQ1 2025vs Q1 2024$2.84B$2.84B
DepositsQ1 2025vs Q1 2024$3.57B$3.34B
Equity CapitalQ1 2025vs Q1 2024$330.1MM$297.2MM
Loan Loss AllowanceQ1 2025vs Q1 2024$32MM$31.1MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$45.9MM$40.6MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/4/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Valley Strong Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.01%*$500k*-Escrow Club Account
OTHER TIERS: 0.15% → $1k - $10k | 0.25% → $10k - $50k | 0.35% → $50k - $100k | 0.50% → $100k - $250k | 0.75% → $250k - $500k
0.25%$5-Club Account
0.10%*$10k*-Business Share Savings Account
OTHER TIERS: 0.05% → $5 - $10k
0.05%$5-Regular Share Account

Valley Strong Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.75%$1k-Business MM Special w/business & Consumer savings
3.50%$1k-Business MM Special w/business savings
2.95%$100k-Premier Money Market Special
2.45%$2.5k-Promotional Money Market
1.01%*$500k*-Money Market
OTHER TIERS: 0.15% → $1k - $10k | 0.25% → $10k - $50k | 0.35% → $50k - $100k | 0.50% → $100k - $250k | 0.75% → $250k - $500k
1.01%*$500k*-Business Money Market
OTHER TIERS: 0.15% → $1k - $10k | 0.25% → $10k - $50k | 0.35% → $50k - $100k | 0.50% → $100k - $250k | 0.75% → $250k - $500k

Valley Strong Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.51%$1k-36 Month Share Certificate
1.51%$1k-Business 36 Month Share Certificate
1.15%$1k-24 Month Share Certificate
1.15%$1k-Business 24 Month Share Certificate
1.00%$1k-18 Month Share Certificate
1.00%$1k-Business 18 Month Share Certificate
0.80%$1k-12 Month Share Certificate
0.80%$1k-Business 12 Month Share Certificate
0.40%$1k-6 Month Share Certificate
0.40%$1k-Business 6 Month Share Certificate
0.40%$1k-Business 6 Month CD Special - New Money w/business Checking
0.40%$1k-Business 6 Month CD Special - New Money w/business & Consumer Checking
0.05%$25-12 Month Simple Share Certificate

Valley Strong Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.51%$1k-36 Month IRA Certificate
1.15%$1k-24 Month IRA Certificate
0.80%$1k-12 Month IRA Certificate
0.25%$100-IRA Club Account
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