Valley Bank is offering residents nationwide a 4.03% APY + up to $2000 bonus when you open a High-Yield Savings account powered by Raisin.
Update 12/25/25: You can currently earn up to $2000 bonus through 1/14/26!
- 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.
Valley Bank High-Yield Savings
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.
Valley Bank High-Yield Savings Rate
To easily earn Valley Bank’s competitive rate, start by opening a High-Yield Savings account.
- Eligible account: High-Yield Savings
- Credit inquiry: Soft Pull or Hard Pull?
- Where it’s available: Nationwide
- Opening Deposit: $1
- Monthly fee: None
- Early Termination Fee: Not listed
(FDIC Insured)
How to Earn 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.
| Balance Requirement | APY Rate |
| $0.01+ | 4.03% APY |
Valley Bank High-Yield Savings Features
- 24/7 online access to funds.
- No fees from Raisin. $1 minimum deposit.
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Conclusion
If you’re looking to open an interest bearing account, Valley Bank offers a competitive rate.
Let us know about your experience with this bank and comment below.
In addition to the rate, check out our list of best rates Savings, Money Market, and CD accounts.
If you are interested in expanding your financial future, definitely use our bank bonuses page to find other offers. Some popular bank offers include Chase Bank, Discover Bank, TD Bank, Huntington Bank, HSBC Bank and many more.
I opened a savings account at the end of April depositing $40,000.00. A few days later I saw the special for opening an account with $25,000.00 and being rewarded with $250.00 I think I should have been told about this, (I even mentioned it to one of your representatives who said she never heard of it). It has left a bad taste in my mouth to think I missed this by a few days. I am considering looking for a place to move the $.