Valley National Bank
For information concerning Valley Direct, a division of Valley National Bank online bank, please click here .
Phone: 800-522-4100
ACH Number: 21204403
SWIFT Code: MBNYUS33XXX
Valley National Bank is an FDIC insured institution headquartered at
615 Main Ave, Passaic, NJ 07055.
It was founded in
1927 and has approximately $63 billion in assets. Customers can open an account at one of its 277 branches.
It was founded in 1927 and has approximately $63 billion in assets. Customers can open an account at one of its 277 branches.
Deposit Rates - December 18, 2025
| SAVINGS RATES | APY | MIN | |
|---|---|---|---|
|
SAV
|
0.01% | $100 | Compare |
| CD RATES | APY | MIN | |
|---|---|---|---|
|
3 Mo CD
|
4.00% | $500 | Compare |
|
6 Mo CD
|
3.60% | $500 | Compare |
|
12 Mo CD
|
3.50% | $500 | Compare |
|
18 Mo CD
|
3.35% | $500 | Compare |
|
24 Mo CD
|
3.25% | $500 | Compare |
|
36 Mo CD
|
3.10% | $500 | Compare |
|
48 Mo CD
|
3.05% | $500 | Compare |
| MM RATES | APY | MIN | |
|---|---|---|---|
|
Money Market
|
0.30% | $10,000 | Compare |
| PREMM RATES | APY | MIN | |
|---|---|---|---|
|
Premium Money Market
|
1.50% | $10,000 | Compare |
| INT CHECKING RATES | APY | MIN |
|---|---|---|
|
INTCK
|
0.01% | $100 |
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$25,000 - Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.
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Overview 2025
General Bank Information
| FDIC Insured | Yes |
| FDIC Certificate | # 9396 |
| Date Established | 1927 |
| Assets | $ 62.65 billion |
| Loans | $ 48.84 billion |
| Deposits | $ 50.79 billion |
| Capital | $ 8.03 billion |
Summary Balance Sheet as of June 30, 2025
| ASSETS | |
| Cash & Balances due from depository institutions | $ 1,172.52 million |
| Interest-bearing balances | $ 745.55 million |
| Total securities | $ 7.46 billion |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 48.84 billion |
| Loan loss allowance | $ 579.50 million |
| Trading account assets | $ 28.62 million |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | $ 4.78 million |
| Goodwill and other intangibles | $ 1,975.71 million |
| All other assets | $ 1,677.52 million |
| Total Assets | $ 54.62 billion |
| LIABILITIES | |
| Total deposits | $ 50.79 billion |
| Interest-bearing deposits | $ 38.98 billion |
| Deposits held in domestic offices | $ 50.79 billion |
| % insured (estimated)" | 62.83% |
| Federal funds purchased and repurchase agreements | $ 62.24 million |
| Trading liabilities | $ 28.45 million |
| Other borrowed funds | $ 2.17 billion |
| Subordinated debt | N.A. |
| All other liabilities | $ 956.66 millionn |
| Total Liabilities | $ 54.62 billion |
| Shareholders’ Equity | $ 8.03 billion |
Summary Income Statement as of June 30, 2025
| INCOME AND EXPENSES | |
| Total Interest Income | $ 1,589.76 million |
| Total Interest Expense | $ 714.74 million |
| Net interest income | $ 875.02 million |
| Provision for loan and lease losses | $ 100.45 million |
| Total non interest income | $ 110.55 million |
| Total non interest expense | $ 550.86 million |
| Pre-tax Net Operating Income | $ 317.68 million |
Customer Reviews for Valley National Bank (5)
Rated 2.60 stars out of 5 - based on 5 reviews
Branches
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Valley National Bank Locations
Savings Comparison
This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis."
PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES
Tax Rate: 30%
All calculations are for demonstration purposes only."
- 1LOCAL SAVINGSBank-$50,000N.A.0.01%0.04x (National Avg. - 0.23%)$100-SCENARIO
Year Rate
0.01%Annual
InterestAnnual Interest
(After Tax)1 50,000 5 4 2 50,005 5 4 3 50,010 5 4 4 50,015 5 4 5 50,020 5 4 6 50,025 5 4 7 50,030 5 4 8 50,035 5 4 9 50,040 5 4 10 50,045 5 4 11 50,050 5 4 12 50,055 5 4 13 50,060 5 4 14 50,065 5 4 15 50,070 5 4 16 50,075 5 4 17 50,080 5 4 18 50,085 5 4 19 50,090 5 4 20 50,095 5 4 TOTAL $100 $70 - 2ONLINE SAVINGSBank-$50,000N.A.4.00%17.70x (National Avg. - 0.23%)$1,000-SCENARIO
Year Rate
4.00%Annual
InterestAnnual Interest
(After Tax)1 50,000 2,000 1,400 2 52,000 2,080 1,456 3 54,080 2,163 1,514 4 56,243 2,250 1,575 5 58,493 2,340 1,638 6 60,833 2,433 1,703 7 63,266 2,531 1,771 8 65,797 2,632 1,842 9 68,428 2,737 1,916 10 71,166 2,847 1,993 11 74,012 2,960 2,072 12 76,973 3,079 2,155 13 80,052 3,202 2,241 14 83,254 3,330 2,331 15 86,584 3,463 2,424 16 90,047 3,602 2,521 17 93,649 3,746 2,622 18 97,395 3,896 2,727 19 101,291 4,052 2,836 20 105,342 4,214 2,950 TOTAL $59,556 $41,689
joe smith
February 7, 2023 |
I was a customer for years but they would not give me the 3.68% money market unless I was a new customer.... so I am no longer a customer
5Bme
December 12, 2022 |
One of the better banks on this list. It is a local bank (in NJ and PA).
That doesn't always gets you more personalized service on the online side, but in this case it does. I called once or twice and felt like I was dealing with someone responsive to my issue. I also appreciated the call just to make sure it was me when I made a withdrawal.
Yotoman
September 17, 2022 |
online transfer limits are a real problem so i closed account and won't go back.
Trace
May 3, 2022 |
Valley is a real two-bit operations. I opened an account here and I'll manage as long as the rate stays competitive because it is easier than trying to close it right now. You cannot easily transfer money in or out from an external bank. It all needs to be done with the external account.
turlow1978
October 16, 2021 |
I live in PA and have some familiarity with Valley National Bank. I am not sure that I would have opened the account otherwise, but I have had no problems.