Bank · FDIC insured
Blue Grass Valley Bank Savings Rates
Blue Grass Valley Bank’s best savings rate is 0.70% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How Blue Grass Valley Bank’s savings rates compare
Compared with banks and credit unions in Virginia, where Blue Grass Valley Bank has the most branches. $10,000, best rate first.
This bank’s best
Blue Grass Valley Bank
3.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $300
Kasasa Saver
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
Blue Grass Valley Bank savings score
85
Savings score
Higher than 68% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.70%
- $100,000 balance$100,0001.00%
- QualifiedQualified3.00%
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 Blue Grass Valley Bank ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Money Market Account
0.70%APY
Minimum opening deposit: $2,500.00. $10.00 monthly fee applies if balance falls below $1,500.00 in a month. Interest is compounded and credited monthly. Rates effective as of 2026-01-30 and subject to change.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $500 – $2,500Balance tier: $500.00 to $2,499.99 | 0.25% | — | Balance tier: $500.00 to $2,499.99 |
| $2,500 – $10,000Balance tier: $2,500.00 to $9,999.99 | 0.40% | — | Balance tier: $2,500.00 to $9,999.99 |
| $10,000 – $50,000Balance tier: $10,000.00 to $49,999.99 | 0.70% | $70 | Balance tier: $10,000.00 to $49,999.99 |
| $50,000 – $125,000Balance tier: $50,000.00 to $124,999.99 | 1.00% | — | Balance tier: $50,000.00 to $124,999.99 |
| $125,000 – $200,000Balance tier: $125,000.00 to $199,999.99 | 2.78% | — | Balance tier: $125,000.00 to $199,999.99 |
| $200,000 and upBalance tier: $200,000+ | 3.04% | — | Balance tier: $200,000+ |
Sources (2)
All captured Sep 19, 2026
Kasasa Saver
Up to 3.00%APY
Must have and maintain a linked Kasasa Cash, Kasasa Cash Back, Kasasa Eats, or Kasasa Play checking account. To earn higher rate, must meet linked checking qualifications each Monthly Qualification Cycle: at least 15 debit card purchases, at least 1 direct deposit or ACH payment or bill pay transaction, and enrollment in eStatements. Limit of one account per person. No monthly maintenance fee.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $75,000When linked Kasasa checking account qualifications are met: at least 15 debit card purchases, at least 1 direct deposit/ACH/bill pay, and eStatements. Earns 2.96% interest rate resulting in 3.00% APY on balances up to $75,000. | 3.00% | $300 | When linked Kasasa checking account qualifications are met: at least 15 debit card purchases, at least 1 direct deposit/ACH/bill pay, and eStatements. Earns 2.96% interest rate resulting in 3.00% APY on balances up to $75,000. |
| Any balanceBase rate earned on entire daily balance when linked Kasasa checking account qualifications are not met. Non-compounding APY. | 0.05% | $5 | Base rate earned on entire daily balance when linked Kasasa checking account qualifications are not met. Non-compounding APY. |
Sources (2)
All captured Sep 19, 2026
Regular Savings
0.15%APY
Compounded and credited quarterly on balances $50.00 or more. A maximum of 6 transfers/withdrawals permitted per month/4-week period. $5.00 monthly fee if balance falls below $50.00.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upInterest is compounded and credited quarterly on balances $50.00 or more. Fee of $5.00 if balance falls below $50.00 in a month.$50 and up | 0.15% | $15 | Interest is compounded and credited quarterly on balances $50.00 or more. Fee of $5.00 if balance falls below $50.00 in a month. |
Sources (3)
- bluegrassvalleybank.com/rates.html
- bluegrassvalleybank.com/regular-savings.html
- bluegrassvalleybank.com/savings.html
All captured Sep 19, 2026
Special-purpose accounts
Individual Retirement Account (IRA)
2.50%APY
Traditional and Roth IRAs available. Compounded and credited quarterly (or monthly per disclosure) on balances $100.00 or more. No maintenance fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upTraditional and Roth IRAs with no maintenance fees. Compounded and credited on balances $100.00 or more.$100 and up | 2.50% | $250 | Traditional and Roth IRAs with no maintenance fees. Compounded and credited on balances $100.00 or more. |
Sources (3)
- bluegrassvalleybank.com/rates.html
- bluegrassvalleybank.com/savings.html
- bluegrassvalleybank.com/indivi…retirement-accounts.html
All captured Sep 19, 2026
Christmas Club Account
0.15%APY
Interest compounded and credited annually on Oct. 25; funds mailed by check on Oct. 25. One early withdrawal allowed during the term. If closed before interest is credited, accrued interest is not received. For individuals only. No maintenance fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upInterest compounded and credited annually on Oct. 25. Funds mailed by check on Oct. 25. No monthly maintenance fee.$1 and up | 0.15% | $15 | Interest compounded and credited annually on Oct. 25. Funds mailed by check on Oct. 25. No monthly maintenance fee. |
Sources (3)
- bluegrassvalleybank.com/christmas-club.html
- bluegrassvalleybank.com/rates.html
- bluegrassvalleybank.com/savings.html
All captured Sep 19, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.