Credit union · NCUA insured
Beach Municipal Federal Credit Union Savings Rates
Beach Municipal Federal Credit Union’s best savings rate is 0.75% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How Beach Municipal Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Virginia Beach, VA-NC, where Beach Municipal Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Beach Municipal Federal Credit Union
0.75%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $75
Money Market Account
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
Beach Municipal Federal Credit Union savings score
82
Savings score
Higher than 58% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.75%
- $100,000 balance$100,0001.51%
- QualifiedQualified0.75%
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 Beach Municipal Federal 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 Market Account
0.75%APY
Variable tiered-rate account. May not be used as overdraft protection or collateral for a loan. Not accessible from an ATM or debit card. Up to 6 free withdrawals per calendar month; excessive withdrawals assessed $10 fee per withdrawal. Dividends compounded and credited monthly using the daily balance method.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Tier I balance tier. Daily periodic rate applies to the full balance once the balance reaches the corresponding tier range. | 0.15% | — | Tier I balance tier. Daily periodic rate applies to the full balance once the balance reaches the corresponding tier range. |
| $2,500 – $10,000Tier II balance tier. Daily periodic rate applies to the full balance once the balance reaches the corresponding tier range. | 0.60% | — | Tier II balance tier. Daily periodic rate applies to the full balance once the balance reaches the corresponding tier range. |
| $10,000 – $25,000Tier III balance tier. Daily periodic rate applies to the full balance once the balance reaches the corresponding tier range. | 0.75% | $75 | Tier III balance tier. Daily periodic rate applies to the full balance once the balance reaches the corresponding tier range. |
| $25,000 – $100,000Tier IV balance tier. Daily periodic rate applies to the full balance once the balance reaches the corresponding tier range. | 1.00% | — | Tier IV balance tier. Daily periodic rate applies to the full balance once the balance reaches the corresponding tier range. |
| $100,000 and upTier V balance tier. Daily periodic rate applies to the full balance once the balance reaches the corresponding tier range. | 1.51% | — | Tier V balance tier. Daily periodic rate applies to the full balance once the balance reaches the corresponding tier range. |
Share Savings Account
0.15%APY
$1 membership fee. $5 minimum balance to open and maintain membership. No monthly service fee as long as account is not dormant.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25Tier I rate tier. Daily balance method. | 0.00% | — | Tier I rate tier. Daily balance method. |
| Up to $250Tier II rate tier. Daily balance method. | 0.00% | — | Tier II rate tier. Daily balance method. |
| $250 – $1,000Tier III rate tier. Daily balance method. | 0.10% | — | Tier III rate tier. Daily balance method. |
| Over $1,000Tier IV rate tier. Daily balance method. | 0.15% | $15 | Tier IV rate tier. Daily balance method. |
Sources (1)
- beachmunicipal.org/bank/savings/share-savings-account · captured Sep 19, 2026
Special-purpose accounts
IRA Savings
0.50%APY
Includes Traditional IRA, Roth IRA, and Coverdell Education Savings Account options. No minimum opening deposit required and no administration fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDaily balance method used to calculate dividends. Rate may change after account is open.Any balance | 0.50% | $50 | Daily balance method used to calculate dividends. Rate may change after account is open. |
Sources (1)
- beachmunicipal.org/bank/ira-savings · captured Sep 19, 2026
All About Me
0.15%APY
Designed for young adults ages 18-31. $5 minimum balance to open and maintain membership. No monthly service fee as long as account is not dormant.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25Tier I rate tier. Daily balance method. | 0.00% | — | Tier I rate tier. Daily balance method. |
| Up to $250Tier II rate tier. Daily balance method. | 0.00% | — | Tier II rate tier. Daily balance method. |
| $250 – $1,000Tier III rate tier. Daily balance method. | 0.10% | — | Tier III rate tier. Daily balance method. |
| Over $1,000Tier IV rate tier. Daily balance method. | 0.15% | $15 | Tier IV rate tier. Daily balance method. |
Sources (2)
All captured Sep 19, 2026
Long John Saver Kids Club
0.15%APY
Youth savings account for kids. $5 minimum balance to open and maintain membership. No monthly service fee as long as account is not dormant.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDaily balance method. Minimum balance to earn stated APY is $5.00.$5 and up | 0.15% | $15 | Daily balance method. Minimum balance to earn stated APY is $5.00. |
Sources (2)
- beachmunicipal.org/bank/saving…ong-john-saver-kids-club
- beachmunicipal.org/bank/savings/share-savings-account
All captured Sep 19, 2026
The Pipeline
0.15%APY
Teen savings account. $5 minimum balance to open and maintain membership. No monthly service fee as long as account is not dormant. If younger than 16, requires a parent/guardian as joint owner. Transitions to All About Me Account at age 18.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDaily balance method. Minimum balance to earn stated APY is $5.00.$5 and up | 0.15% | $15 | Daily balance method. Minimum balance to earn stated APY is $5.00. |
Sources (2)
All captured Sep 19, 2026
Vacation & Holiday Savings
0.15%APY
Open access club savings accounts to set aside money for special times of the year. Open in branch.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDaily balance method. Minimum balance to earn stated APY is $5.00.$5 and up | 0.15% | $15 | Daily balance method. Minimum balance to earn stated APY is $5.00. |
Sources (2)
- beachmunicipal.org/bank/savings/share-savings-account
- beachmunicipal.org/bank/savings/vacation-savings
All captured Sep 19, 2026
Who can join Beach Municipal Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Appointed members of boards and commissions of the City of Virginia Beach are eligible for membership.
- Full and part-time employees of the City of Virginia Beach and Virginia Beach City Public Schools, including the Adult Learning Center, are eligible for membership.
- Persons retired as pensioners from the City of Virginia Beach or Virginia Beach City Public Schools are eligible for membership.
- Volunteers performing regular duties assigned to City or School departments or facilities are eligible for membership.
Family and household
- Immediate family members (defined as spouse, child, sibling, parent, grandparent, grandchild, step-parents, step-children, step-siblings, and adoptive relationships) of eligible individuals are eligible for membership.
- Spouses of persons who died while within the field of membership of this Credit Union are eligible for membership.
1 more way to join
Other ways
- Organizations of eligible individuals are eligible for membership.
Cost to join
- A $1 membership fee is required upon opening an account, which is waived for Long John Saver Kids Club accounts.
- A $5 share deposit is required to open and maintain a member share account, representing the member's share of the Credit Union.
Membership information collected October 4, 2026.