Personal Savings

Save With Confidence, Grow With Purpose

Your goals deserve a safe place to flourish. At The Valley, our savings accounts are designed to help you build stability, plan for the future, and celebrate the milestones along the way. Whether you’re saving for something big or simply strengthening your financial foundation, we make it easy — with secure access, competitive dividends, and support from people who genuinely care.

Your dreams. Your pace. Your Valley.

Share Savings

Club Accounts

Youth Savings

Share Certificates

  • Secures your share of ownership in Kaskaskia Valley Community Credit Union
  • Competitive dividends on entire balance
  • No monthly service charge
  • No minimum balance requirements
  • Free digital banking
  • $10 minimum deposit to open
  • Competitive dividends on entire balance
  • No monthly service charge
  • No minimum balance requirements
  • Set up regular transfers from any credit union account to make deposits
  • Withdrawals are limited to help you save
  • 4 clubs to choose from:
    • Spring Club (April payout)
    • Summer Club (August payout)
    • Winter Club (November payout)
    • Christmas Club (October payout)
  • Funds automatically released on the last business day of the selected month
  • Free digital banking
  • $10 minimum deposit to open
  • Available to young savers up to 12 years old
  • Competitive dividends on entire balance
  • No monthly service charge
  • No minimum balance requirements
  • Promotes wise saving and spending habits in a fun way
  • Earn Kirby Bucks with each deposit to be saved or redeemed for prizes
  • Free digital banking
  • $10 minimum deposit to open
  • Fixed rates, higher than regular savings
  • Receive higher rates by selecting a longer term
  • Provides more guarantee than other risky investments
  • Set aside for future savings goals
  • A wide range of terms available (from 6 to 12 months)
  • No setup or maintenance fees
  • Early withdrawals subject to penalty1
  • $1,000 minimum deposit to open

1Early withdrawal will result in the forfeiture of 90 days of interest.