Credit union · NCUA insured
Argent Credit Union Savings Rates
Top CarrotArgent Credit Union’s best savings rate is 0.25% APY on $10,000, with its Money Management Account. Rates checked October 22, 2026.
How Argent Credit Union’s savings rates compare
Compared with banks and credit unions near Richmond, VA, where Argent Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Argent Credit Union
0.25%APY
- Minimum
- $5
- Earns on $10,000 a year
- $25
Savings Account (Primary Share)
Top rate
Primis Bank
3.85%APY
- Minimum
- $1
- Earns on $10,000 a year
- $385
2nd-highest rate
Langley Credit Union
3.75%APY
- Minimum
- $0
- Earns on $10,000 a year
- $375
Argent Credit Union savings score
73
Savings score
Higher than 33% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0001.25%
- QualifiedQualified0.25%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Argent Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Management Account
0.25%APY
Membership required. Dividends compounded monthly. Insured by NCUA up to $250,000. Up to 6 free withdrawals per month. No debit card associated with this account; check writing permitted.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $20,000Daily balance required to earn dividends. Dividends compounded monthly. | 0.25% | $25 | Daily balance required to earn dividends. Dividends compounded monthly. |
| $20,000 – $50,000Daily balance required to earn dividends. Dividends compounded monthly. | 0.35% | — | Daily balance required to earn dividends. Dividends compounded monthly. |
| $50,000 – $100,000Daily balance required to earn dividends. Dividends compounded monthly. | 0.65% | — | Daily balance required to earn dividends. Dividends compounded monthly. |
| $100,000 – $250,000Daily balance required to earn dividends. Dividends compounded monthly. | 1.25% | — | Daily balance required to earn dividends. Dividends compounded monthly. |
| $250,000 and upDaily balance required to earn dividends. Dividends compounded monthly. | 2.00% | — | Daily balance required to earn dividends. Dividends compounded monthly. |
Sources (3)
- argentcu.org/accounts
- argentcu.org/accounts/money-management-account-mmas
- argentcu.org/wp-content/upload…ate-and-Fee-Addendum.pdf
All captured Sep 19, 2026
Savings Account (Primary Share)
0.25%APY
Membership account required to access credit union services. No monthly or annual maintenance fees. Dividends compounded quarterly on balances of $100 or more.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDaily balance of $100.00 required to earn dividends. Dividends compounded quarterly. Rate may change after account is opened.$100 and up | 0.25% | $25 | Daily balance of $100.00 required to earn dividends. Dividends compounded quarterly. Rate may change after account is opened. |
Special-purpose accounts
Holiday Club
0.25%APY
Specialty savings club account for holiday expenses. Dividends compounded quarterly on balances of $100 or more. 1 withdrawal per year with no charge. Balance is deposited into share account on October 1 or next business day. Early closing penalty applies.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDaily balance of $100.00 required to earn dividends. Dividends compounded quarterly. Rate may change after account is opened.$100 and up | 0.25% | $25 | Daily balance of $100.00 required to earn dividends. Dividends compounded quarterly. Rate may change after account is opened. |
Sources (3)
- argentcu.org/accounts/club-accounts
- argentcu.org/accounts/savings-and-certificate-rates
- argentcu.org/wp-content/upload…ate-and-Fee-Addendum.pdf
All captured Sep 19, 2026
IRA Shares
0.25%APY
Tax-advantaged retirement savings account offered as Traditional, Roth, SEP IRA, or Coverdell ESA. No monthly fees. No initial deposit required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded quarterly. Rate may change after account is opened.Any balance | 0.25% | $25 | Dividends compounded quarterly. Rate may change after account is opened. |
Sources (3)
- argentcu.org/accounts/iras
- argentcu.org/accounts/savings-and-certificate-rates
- argentcu.org/wp-content/upload…ate-and-Fee-Addendum.pdf
All captured Sep 19, 2026
Share Club
0.25%APY
Specialty savings club account. Dividends compounded quarterly on balances of $100 or more. Flexible opening deposit. Regular withdrawals limited to 3 per month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDaily balance of $100.00 required to earn dividends. Dividends compounded quarterly. Rate may change after account is opened.$100 and up | 0.25% | $25 | Daily balance of $100.00 required to earn dividends. Dividends compounded quarterly. Rate may change after account is opened. |
Sources (3)
- argentcu.org/accounts/club-accounts
- argentcu.org/accounts/savings-and-certificate-rates
- argentcu.org/wp-content/upload…ate-and-Fee-Addendum.pdf
All captured Sep 19, 2026
Vacation Club
0.25%APY
Specialty savings club account for vacations. Dividends compounded quarterly on balances of $100 or more. 1 withdrawal per year with no charge. Balance is deposited into share account on April 1. Early closing penalty applies.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDaily balance of $100.00 required to earn dividends. Dividends compounded quarterly. Rate may change after account is opened.$100 and up | 0.25% | $25 | Daily balance of $100.00 required to earn dividends. Dividends compounded quarterly. Rate may change after account is opened. |
Sources (3)
- argentcu.org/accounts/club-accounts
- argentcu.org/accounts/savings-and-certificate-rates
- argentcu.org/wp-content/upload…ate-and-Fee-Addendum.pdf
All captured Sep 19, 2026
Who can join Argent Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to any person who lives, works, attends school, worships, or volunteers in Chesterfield County, Henrico County, Hanover County, or the City of Richmond.
Family and household
- Membership is extended to immediate family members and housemates of eligible individuals, even if that individual is not a member.
Membership information collected October 4, 2026.