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Current Rates

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Mortgage Loans

Mortgage Loans	Rates
Valley View Bank offers a variety of Mortgage Loan options with competitive rates and terms.	Click here for rates.

Checking & Savings

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NEW! High & Free Checking	Interest Type	Interest Rate	A.P.Y.**
Up to $25,000	Compounded Monthly/Paid Monthly	4.89%**	5.00%**
Over $25,000	Compounded Monthly/Paid Monthly	1.00%**	1.00%**
Money Market - $1000 Opening Deposit	Interest Type	Interest Rate	A.P.Y.*
Up to $999.99	Compounded Daily/Paid Monthly	.30%	.30%
$1,000 to 9,999.99	Compounded Daily/Paid Monthly	.40%	.40%
$10,000 to 24,999.99	Compounded Daily/Paid Monthly	1.10%	1.11%
$25,000 to 99,999.99	Compounded Daily/Paid Monthly	1.25%	1.26%
$100,000 or more	Compounded Daily/Paid Monthly	1.75%	1.77%
Super Now Account - $100 Opening Deposit	Interest Type	Interest Rate	A.P.Y.*
$0-$2500.00	Compounded Daily/Paid Monthly	.30%	.30%
$2500.00 or more	Compounded Daily/Paid Monthly	.30%	.30%
Savings	Interest Type	Interest Rate	A.P.Y.*
Kids Club Savings - $10 Opening Deposit	Compounded Daily/Paid Quarterly	.30%	.30%
Teen Scene Savings - $10 Opening Deposit	Compounded Daily/Paid Quarterly	.30%	.30%
Regular Savings - $100 Opening Deposit	Compounded Daily/Paid Quarterly	.30%	.30%

**For the High & Free Checking, the 5.00% Annual Percentage Yield (APY) is paid on balances up to $25,000 and 1.00% APY on balances over $25,000 per statement cycle when requirements are met. ATM fees are refunded up to $25 per statement cycle when requirements are met. International ATM fees are not eligible for refund. If account does not meet requirements during a given statement cycle, ATM fees will not be refunded and a .40% APY will be earned on all balances. To meet requirements an account holder must: Receive monthly electronic statements, have at least one Automatic Clearing House (ACH) direct deposit or ACH payment, and 15 settled debit card POS transactions per statement cycle (not ATM transactions). A $100 initial deposit is required to open this account, but no minimum balance is required to be maintained. There are no monthly service charges. Rates are effective as of March 10, 2008 and are subject to change at any time.

Certificates of Deposit

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Term	Interest Type	Interest Rate	A.P.Y.*
7-91 Day Certificate - $2500 Opening deposit	Simple Interest	1.85%	1.86%
6 - Month Certificate - $500 Opening deposit	Simple Interest	2.50%	2.52%
12 - Month Certificate - $500 Opening deposit	Compounded Daily	2.90%	2.94%
18 - Month Certificate - $500 Opening deposit	Compounded Quarterly	3.05%	3.09%
20/24 Month Jump Certificate - $500 Opening deposit	Compounded Quarterly	3.25%	3.29%
24 - Month Certificate - $500 Opening deposit	Compounded Quarterly	3.20%	3.24%
36 - Month Certificate - $500 Opening deposit	Compounded Quarterly	3.30%	3.34%
48 - Month Certificate - $500 Opening deposit	Compounded Quarterly	3.50%	3.55%
60 - Month Certificate - $500 Opening deposit	Compounded Quarterly	3.95%	4.01%

IRA Certificates

$250 Opening Deposit	Interest Type	Interest Rate	A.P.Y.*
6 - Month Certificate	Simple Interest	2.50%	2.52%
12 - Month Certificate	Compounded Daily	2.90%	2.94%
18 - Month Certificate	Compounded Quarterly	3.05%	3.09%
20/24 Month Jump Certificate	Compounded Quarterly	3.25%	3.29%
24 - Month Certificate	Compounded Quarterly	3.20%	3.24%
36 - Month Certificate	Compounded Quarterly	3.30%	3.34%
48 - Month Certificate	Compounded Quarterly	3.50%	3.55%
60 - Month Certificate	Compounded Quarterly	3.95%	4.01%
Variable Rate/$50 Minimum		Interest Rate	A.P.Y.*
18 - Month Certificate	Compounded Daily	2.90%	2.94%

Health Savings Account (HSA)

Interest rates are tiered on your HSA, so your rates will increase as your account balance grows.

Min. Opening Balance $100	Interest Rate	A.P.Y.*
$0-$999	.60%	.60%
$1,000 - $9,999	.60%	.60%
$10,000 - $24,999	1.10%	1.11%
$25,000 - $99,999	1.25%	1.26%
Over $100,000	1.75%	1.77%

Rate Effective: 5/01/08 Previous rate change was 03/19/08
All of the above CD rates are applicable to IRA investments except the 7-91 day CD.

Rates subject to change. Substantial penalty for early withdrawal may apply.
Fees on the Money Market, Super Now, and Savings accounts could reduce yields.

*Annual Percentage Yield

A.P.Y. is based on the rate on 5/01/08
Assuming reinvestment of principal and interest at the same rate.