Deposit Accounts

Savings Accounts
Funds may be deposited to accounts via direct deposit, payroll deduction, in person or through the mail. Multiple savings accounts are available for your convenience. The minimum balance requirement is $5.00.

Christmas Savings
Accounts begin each year on November 1st and end after dividend posting on October 31st. Funds are disbursed per your request on November 1st.

Dividends on savings accounts are calculated using the daily balance method that applies a daily periodic rate to the balance in the account each day. Dividends are paid and posted to savings accounts on the last day of the month.

Checking Accounts
Funds may be deposited to accounts via direct deposit, payroll deduction, in person or through the mail.  Accounts are available requiring either 'no minimum balance' that does not earn a monthly dividend or requiring a $1,000 minimum balance that does earn a monthly dividend. ATM/Debit cards are available for your convenience.

Term Share Certificate Accounts
Are available with 6-month, 1-year, 2-year and 3-year terms. The minimum balance requirement varies by term. Dividends are paid monthly. There is a 90-day early withdrawal penalty.

Deposits are insured to $250,000 per account by American Share Insurance (ASI). Valley Bell Credit Union is not federally insured, and if the institution fails, the Federal Government does not guarantee that depositors will get back their money.