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Routing Number: 302386765

Savings Accounts

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Set aside funds regularly to build your savings. With a Share Savings Account from Trona Valley, you can earn dividends on your balance to help it grow. Save for a specific purpose or start a rainy day fund.

But that's not all—when you open this account, you become a member-owner of the credit union, with a say in everything we do. Plus, you are eligible for the other benefits of membership, like higher dividends, lower interest loans, and personal service you won't get anywhere else!

Features & Benefits

Note: This account is REQUIRED for membership.

*Credit union deposits are federally insured by NCUA.

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Start building your savings with this account that's designed to make it fast and easy. Put your High Yield Checking or Cash Back Checking rewards to work for you, with automatic monthly transfers to your High Yield Savings. And to maximize your savings power, you also receive competitive dividends!

There's no minimum deposit to open or balance to maintain. And as long as you qualify for rewards from High Yield Checking or Cash Back Checking each monthly qualification cycle, you get the best dividend rate on High Yield Savings. It's a win-win proposition to multiply your savings quickly!

Features & Benefits

  • 1.00% APY* on balances up to $25,000
  • 0.05% APY* on balances over $25,000
  • 1.00% to 0.05% APY depending on balance in account*
  • 0.05% APY* if qualifications are not met
  • Linked to High Yield Checking OR Cash Back Checking account
  • Free automatic reward transfers
  • No monthly service fee
  • No minimum balance to earn rewards
  • Free online banking and bill pay
  • Free eStatements required to receive earnings
  • Nationwide access to over 5,000 branches through Shared Branching


There are no additional qualifications for this awesome account. Just complete the following transactions and activities in High Yield Checking or Cash Back Checking each monthly qualification cycle:

  • Have at least 10 debit card purchases post and settle
  • Be enrolled in free paperless eStatements each month
  • Have at least one monthly direct deposit, ACH automatic debit, or bill payment post and settle

And if you don't qualify, don't worry--you'll still earn our base dividend rate, and you have the opportunity to qualify the very next month. What are you waiting for? Seamless savings are just a couple clicks away!

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*Annual Percentage Yield (APY) accurate as of 2/6/24. Rates may change after account is opened. If qualifications in High Yield Checking or Cash Back Checking are met each monthly qualification cycle: (1) balances up to $25,000 in High Yield Savings receive an APY of 1.00%; and (2) balances over $25,000 in High Yield Savings earn 0.05% APY on portion of balance over $25,000, resulting in 1.00% - 0.05% APY depending on the balance. If qualifications are not met on High Yield Checking or Cash Back Checking, all balances in High Yield Savings earn 0.05% APY. Qualifying transactions must post to and settle to the account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. "Monthly Qualification Cycle" means a period beginning the first day of the current statement cycle through the last day of the current statement cycle. Rewards earned in High Yield Checking or Cash Back Checking are automatically transferred to High Yield Savings each statement cycle and do not compound. Transfers between accounts do not count as qualifying transactions. ATM-processed transactions do not count towards qualifying debit card transactions.

*Credit union deposits are federally insured by NCUA. 

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Savings Accounts for Kids and Teens

One of the most imperative skills for a stable future is learning how to manage your finances. At Trona Valley, we believe in helping your child develop good financial habits. As a result, kids can learn while they are young to set goals, spend in moderation, budget, and save! Our accounts are perfect for young people to get a good start on managing their finances. Get started today.

Benefits of a Youth Account:

  • $1.00 minimum to open
  • Higher dividends on entire balance
  • Get paid for each "A" on report card (K-12)
  • Minor Loans to help establish credit 
  • High dividends on Share Certificates

Note: The Social Security card of the account holder is required.

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Plan ahead with our Christmas Club Savings Account. This account is designed to help you save year-round for Christmas presents, holiday travel, or any year-end expenses. Set up automatic transfers so you are constantly building your balance without having to even think about it! This year, give yourself the gift of a happy holiday season without the financial strain! 

Features & Benefits

  • Save for the upcoming holidays year round
  • Earn dividends all year long
  • No monthly fees or minimum balance
  • Balance transferred to Share Savings account October 31
  • Free online banking
  • eStatements or paper statements
  • Direct deposit available
  • No withdrawals unless the account is closed

*Credit union deposits are federally insured by the NCUA.

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Our Money Market accounts offer you the best of both worlds: high yields with flexible access to your money. 

It is the perfect option for individuals with large deposit balances who want to earn a higher rate than the Traditional Savings account provides but don’t want the stricter terms of a Share Certificate. 

A Money Market account combines the financial flexibility and freedom of a checking account with the high returns of a savings account.

Make the most of your higher balance without having to put funds out of reach. With this account you get it all! 

Features & Benefits

  • Higher dividend rate than a Traditional Savings account with the convenience of a checking account
  • Tiered rates reward higher balances
  • Dividends are compounded and credited monthly
  • Limited check writing privileges
  • $10 monthly fee waived with $2,000 average daily balance
  • Unlimited deposits
  • Free online banking
  • eStatements or paper statements
  • Nationwide access to over 5,000 branches through Shared Branching
  • No minimum to open

*Credit union deposits are federally insured by the NCUA.