¹ Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date. ValorFI Heroes does not guarantee any early direct deposit payments.

 

² ValorFI Heroes will round up the amount of any debit card purchases associated with your ValorFI Heroes checking account to the next whole dollar amount and transfer the amount in excess of the purchase amount to your ValorFI Heroes savings account. ValorFI Heroes reserves the right to cancel or modify the ValorFI Heroes checking account Round-Up Program at any time.

 

³ APY = Annual Percentage Yield. Rates, terms, and fees are subject to change.

 

⁴ ValorFI Heroes acts solely as a platform for facilitating donations to 501(c)(3) status nonprofit organizations that are exempt from federal income tax. We do not endorse or guarantee the legitimacy, effectiveness, or financial stability of any nonprofit listed on our site.

 

⁵ ValorFI Heroes deposits are held at Gesa Credit Union, where combined deposits in either ValorFI Heroes or Gesa Credit Union accounts are insured up to a total insurance amount of $250,000 by the National Credit Union Share Insurance Fund, which is administered by the National Credit Union Administration (NCUA), an agency of the United States government. ValorFI Heroes deposits are not separately insured and do not have share insurance in addition to the share insurance obtained through Gesa Credit Union.

 

⁶ APY = Annual Percentage Yield. Rates, terms and fees are subject to change. Fees could reduce earnings on the account. There is a minimum opening deposit of $25. APY is accurate as of 01/15/2026, the last dividend declaration date. In order to earn a high dividend rate up to 5.00% APY up to $5,000.00, you must meet the following requirements during the qualifying monthly period: a) provide and maintain a valid email address; and b) be enrolled to receive e-statements; c) have recurring payroll or benefit direct deposit of $200; d) apply and maintain a debit card; and e) make 15 debit card transactions. If the requirements are not met during the monthly qualifying period, the “non-qualifying” 0.01% APY would apply to the entire balance. Balances of $5,000.01 or more earn 0.01% APY.

 

⁷ APY = Annual Percentage Yield. APY is 4.25% on all balance tiers. Our balance tiers are $0 – $500.00 and $500.01 or more. Rates, terms, and fees are subject to change. APY accurate as of 01/15/2026, the last dividend declaration date. Dividends on the High Yield Savings account are calculated using the daily balance method and are paid monthly. No monthly fees and no minimum balance required to maintain account. Minimum opening deposit of $5. Fees could reduce earnings.

 

⁸ The APY of our High Yield Savings Account is more than 22X the national average of 0.19% APY, based on the national average of savings account rates published in NCUA: Credit Union and Bank Rates as of 12/26/2025.