Credit union · NCUA insured
Baylands Family Credit Union Savings Rates
Top CarrotBaylands Family Credit Union’s best savings rate is 0.10% APY on $10,000, with its Prime Savings. Rates checked October 22, 2026.
How Baylands Family Credit Union’s savings rates compare
Compared with banks and credit unions near Richmond, VA, where Baylands Family Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Baylands Family Credit Union
0.10%APY
- Minimum
- $5
- Earns on $10,000 a year
- $10
Prime Savings
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
Baylands Family Credit Union savings score
64
Savings score
Higher than 10% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.10%
- QualifiedQualified0.10%
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 Baylands Family 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.
Prime Savings
0.10%APY
Open to persons living, working, worshiping, or attending school in Chesterfield, Essex, Middlesex, Mathews, Gloucester, King & Queen, King William, New Kent and James City counties, or immediate family members of current members. $5 deposit to open. Must maintain $0.01 daily balance to obtain APY. Dividends compounded and credited quarterly based on average daily balance method.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Must maintain $0.01 in the account each day to obtain APY. Dividends compounded and credited quarterly based on average daily balance method.Over $0 | 0.10% | $10 | Must maintain $0.01 in the account each day to obtain APY. Dividends compounded and credited quarterly based on average daily balance method. |
Sources (2)
All captured Oct 4, 2026
Insurance/Tax Account
0.00%APY
$5 minimum to open. Dividends compounded and credited quarterly based on average daily balance method.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded and credited quarterly based on average daily balance method.Any balance | 0.00% | $0 | Dividends compounded and credited quarterly based on average daily balance method. |
Sources (1)
- baylandsfcu.org/Rates · captured Oct 4, 2026
Special-purpose accounts
IRA
0.25%APY
Traditional and Roth IRAs. $5 deposit to open. Must maintain $0.01 daily balance to obtain APY. Dividends compounded and credited quarterly based on average daily balance method. Subject to IRS rules and penalties for early withdrawal.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Must maintain $0.01 in the account each day to obtain APY. Dividends compounded and credited quarterly based on average daily balance method.Over $0 | 0.25% | $25 | Must maintain $0.01 in the account each day to obtain APY. Dividends compounded and credited quarterly based on average daily balance method. |
Sources (2)
All captured Oct 4, 2026
Christmas Club
0.10%APY
Funds transfer automatically to Share Account on November 1. $5 minimum to open. Must maintain $0.01 daily balance to obtain APY. Dividends compounded and credited quarterly based on average daily balance method.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Must maintain $0.01 in the account each day to obtain APY. Dividends compounded and credited quarterly based on average daily balance method.Over $0 | 0.10% | $10 | Must maintain $0.01 in the account each day to obtain APY. Dividends compounded and credited quarterly based on average daily balance method. |
Sources (2)
All captured Oct 4, 2026
Vacation Club
0.10%APY
Funds transfer automatically to Share Account on June 1. $5 minimum to open. Must maintain $0.01 daily balance to obtain APY. Dividends compounded and credited quarterly based on average daily balance method.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Must maintain $0.01 in the account each day to obtain APY. Dividends compounded and credited quarterly based on average daily balance method.Over $0 | 0.10% | $10 | Must maintain $0.01 in the account each day to obtain APY. Dividends compounded and credited quarterly based on average daily balance method. |
Sources (2)
All captured Oct 4, 2026
Youth Savings
0.10%APY
Open to youth (kids and teens) and eligible credit union members. $5 deposit to open. Must maintain $0.01 daily balance to obtain APY. Dividends compounded and credited quarterly based on average daily balance method.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Must maintain $0.01 in the account each day to obtain APY. Dividends compounded and credited quarterly based on average daily balance method.Over $0 | 0.10% | $10 | Must maintain $0.01 in the account each day to obtain APY. Dividends compounded and credited quarterly based on average daily balance method. |
Sources (2)
All captured Oct 4, 2026
Who can join Baylands Family Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.