Valley Bank High Yield Savings Account: $1500 Bonus + 3.95% APY (Nationwide)

Available nationwide, the Valley Bank High Yield Savings account offers a competitive rate of 3.95% APY on your funds + up to $1500 bonus powered by Raisin.

Update 1/15/26: You can currently earn up to $1500 bonus through 2/1/26!

• 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 1, 2026, by 11:59 PM ET, and the promo 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.

Valley Bank High Yield Savings

• Rate Offer: 3.95% APY Rate
• Availability: Nationwide
• Credit Inquiry: Soft Pull
• Credit Funding: Unknown
• Minimum Balance: None
• Maximum Balance: None
• Monthly Service Fee: None
• Early Termination Fees: None

(FDIC Insured)

Account Rates

Valley Bank Account Benefits

• 24/7 online access to funds.
• No fees from Raisin. $1 minimum deposit.

Author’s Verdict

The Valley Bank High Yield Savings Account offers an outstanding rate.

In addition to the current rate from Valley Bank, you can also take advantage of a range of great promotions from banks such as HSBC Bank, Chase Bank, Huntington Bank, Discover Bank, TD Bank, or CIT Bank.

Let us know about your thoughts and experience with this account! Be sure to check back on BankDealGuy for more bank rates!