make Your ValorFI Heroes CD work for you
Start earning returns today.
You’ve already opened your ValorFI Heroes Certificate of Deposit—now make it work for you. Fund your CD today to lock in your rate, start earning interest right away, and help support the causes that serve our everyday heroes.
Fund your CD in three easy steps:
Link your external account
In Online or Mobile Banking, go to Pay & Transfer > Manage Recipients and select Add External Account.
ValorFI Heroes uses Plaid for fast, secure account linking—no need to enter routing or account numbers manually.
Transfer funds to your ValorFI Heroes checking or savings account
Once your external account is linked, choose Pay & Transfer > External Transfer to move money into your ValorFI Heroes account.
Your transfer will appear as soon as it clears—usually within 1–2 business days.
Fund your CD with an internal transfer
After your ValorFI account is funded, go to Pay & Transfer > Internal Transfer.
Select your CD, enter the amount you’d like to deposit (minimum $500), and confirm.
Your CD will begin earning interest as soon as the transfer posts.
Still have questions? Explore the FAQs and calculator below to get answers and see how much your CD could earn.
Frequently Asked Questions
Find quick answers to common questions about your ValorFI Heroes Certificate of Deposit.
How do I fund my CD?
You can easily fund your Certificate of Deposit by transferring money from your ValorFI Heroes checking or savings account.
Simply log in to Online Banking, choose Pay & Transfer> Internal Transfer, select your CD, and enter the amount you’d like to move. Your transfer is processed securely, and your CD will begin earning interest right away.
How do I link an external account?
ValorFI Heroes uses Plaid to securely link your external accounts in seconds. Simply enter your login credentials for each financial institution and follow the steps—no need to hunt down account or routing numbers.
In the ValorFI Heroes Mobile App or Online Banking, go to the dashboard and select the linked accounts plus sign, or choose the Pay & Transfer > Manage External Accounts option.
What is Plaid?
Plaid is a secure financial technology service that connects your external bank accounts to ValorFI Heroes. It allows you to link accounts instantly by logging in with your existing bank credentials—no need to manually enter routing or account numbers. Plaid uses advanced encryption to protect your information, and ValorFI Heroes never sees or stores your login details.
How do I add money to my ValorFI Heroes account?
External transfer: Easily move funds from another bank account with instant account linking. In the ValorFI Heroes Mobile App or Online Banking, select Pay & Transfer > External Transfer. Follow the prompts to receive or send money.
Direct deposit: Head to ValorFI Heroes Digital Banking to set it up by completing the direct deposit form in the settings menu.
Mobile deposit: Snap a pic of your check and deposit it right from the ValorFI Heroes Mobile App.
Third-party apps: Transfer extra cash from Venmo, Zelle®, Cash App, or PayPal™ directly to your ValorFI Heroes account.
Is there a minimum deposit required?
A $500 minimum deposit¹ is required in each ValorFI Heroes CD.
Am I able to withdraw funds early?
While you can withdraw your funds at any time, early withdrawal penalties apply.¹
This interactive calculator is made available as a tool and for your independent use. This is not intended to provide financial advice as we cannot guarantee the accuracy of all information inputted by you. All results and examples are hypothetical based on the information you input thus we are not responsible for any results.
Certificate Rates
Term of Deposit |
APY² |
APY²min. balance $50,000 |
APY²min. balance $100,000 |
|---|
ValorFI Heroes
51 Gage Blvd.
Richland, WA 99352
Contact Us
support
routing number
125185428
Federally Insured by NCUA
Disclosures
© 2025 ValorFI Heroes, powered by Gesa Credit Union. All Rights Reserved. Federally Insured by NCUA
¹ A $500 minimum deposit is required. Early withdrawal penalties may apply and may reduce earnings. Certificate rate is for a limited time only and could end at any time. Stated rate as of the first day of the month.
Early withdrawal penalties apply (a penalty may be imposed for withdrawals before maturity):
In certain circumstances such as the death or incompetence of an owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. For any account which earns an interest rate that may vary during the term such as a bump certificate, the interest rate we will use to calculate this early withdrawal penalty will be the interest rate in effect at the time of the withdrawal. You may make withdrawals of principal from your account before maturity. In making such withdrawals, your balance may not fall below the minimum or we will close your account. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty. You can withdraw interest only on the crediting dates without penalty.
2 APY = Annual Percentage Yields. Rates, terms, and fees are subject to change. APY is accurate as of 08/20/2025, the last dividend declaration date. Fees may reduce earnings.
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.