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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.

Deposit Rates - March 01, 2026

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




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 9396
Date Established 1927
Assets $ 62.96 billion
Loans $ 48.71 billion
Deposits $ 51.32 billion
Capital $ 8.07 billion

Summary Balance Sheet as of September 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 1,354.95 million
Interest-bearing balances $ 994.22 million
Total securities $ 7.69 billion
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 48.71 billion
Loan loss allowance $ 585.00 million
Trading account assets $ 17.67 million
Bank premises and fixed assets N.A.
Other real estate owned $ 4.78 million
Goodwill and other intangibles $ 1,968.81 million
All other assets $ 1,677.52 million
     Total Assets $ 54.89 billion

LIABILITIES
Total deposits $ 51.32 billion
      Interest-bearing deposits $ 39.52 billion
      Deposits held in domestic offices $ 51.32 billion
      % insured (estimated)" 61.93%
Federal funds purchased and repurchase agreements $ 51.05 million
Trading liabilities $ 16.82 million
Other borrowed funds $ 2.17 billion
Subordinated debt N.A.
All other liabilities $ 956.66 millionn
      Total Liabilities $ 54.89 billion
      Shareholders’ Equity $ 8.07 billion

Summary Income Statement as of September 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 2.42 billion
Total Interest Expense $ 1,086.72 million
Net interest income $ 1,329.97 million
Provision for loan and lease losses $ 119.62 million
Total non interest income $ 172.25 million
Total non interest expense $ 831.65 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

  • 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

  • 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.

  • online transfer limits are a real problem so i closed account and won't go back.

  • 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.

  • 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.

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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."

  • 1
    LOCAL SAVINGS
    Valley National Bank
    Bank
    -
    $50,000
    N.A.
    0.01%
    0.04x (National Avg. - 0.23%)
    $100
    -
    SCENARIO
    Year Rate
    0.01%    		 Annual
    Interest    		 Annual 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
  • 2
    ONLINE SAVINGS
    First Foundation Bank , ★ TOP PICK ★
    Bank
    -
    $50,000
    N.A.
    3.75%
    16.67x (National Avg. - 0.23%)
    $1,000
    -
    SCENARIO
    Year Rate
    3.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,875 1,313
    2 51,875 1,945 1,362
    3 53,820 2,018 1,413
    4 55,839 2,094 1,466
    5 57,933 2,172 1,521
    6 60,105 2,254 1,578
    7 62,359 2,338 1,637
    8 64,697 2,426 1,698
    9 67,124 2,517 1,762
    10 69,641 2,612 1,828
    11 72,252 2,709 1,897
    12 74,962 2,811 1,968
    13 77,773 2,916 2,042
    14 80,689 3,026 2,118
    15 83,715 3,139 2,198
    16 86,854 3,257 2,280
    17 90,111 3,379 2,365
    18 93,491 3,506 2,454
    19 96,996 3,637 2,546
    20 100,634 3,774 2,642
    TOTAL $54,408 $38,085


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