Credit union · NCUA insured
Chartway Credit Union Savings Rates
Top CarrotChartway Credit Union’s best savings rate is 2.50% APY on $10,000, with its Bonus Savings. Rates checked October 22, 2026.
How Chartway Credit Union’s savings rates compare
Compared with banks and credit unions near Virginia Beach, VA-NC, where Chartway Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Chartway Credit Union
2.50%APY
- Minimum
- —
- Earns on $10,000 a year
- $250
Bonus 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
Chartway Credit Union savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0002.50%
- $10,000 balance$10,0002.50%
- $100,000 balance$100,0002.50%
- QualifiedQualified2.50%
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 Chartway 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 Plus
0.75%APY
Rates displayed include a 0.25% APY Relationship Bonus. To earn the Money Market Plus Relationship Bonus Rate, must maintain any personal or business checking account and an average daily balance (ADB) of $10,000 or more in the Money Market Plus account during the calendar month under the same member number. Fees may reduce earnings.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10,000 – $25,000Includes 0.25% APY Relationship Bonus with qualifying personal or business checking account and ADB of $10,000 or more. | 0.75% | $75 | Includes 0.25% APY Relationship Bonus with qualifying personal or business checking account and ADB of $10,000 or more. |
| $25,000 – $50,000Includes 0.25% APY Relationship Bonus with qualifying personal or business checking account and ADB of $10,000 or more. | 0.80% | — | Includes 0.25% APY Relationship Bonus with qualifying personal or business checking account and ADB of $10,000 or more. |
| $50,000 – $100,000Includes 0.25% APY Relationship Bonus with qualifying personal or business checking account and ADB of $10,000 or more. | 0.85% | — | Includes 0.25% APY Relationship Bonus with qualifying personal or business checking account and ADB of $10,000 or more. |
| $100,000 – $250,000Includes 0.25% APY Relationship Bonus with qualifying personal or business checking account and ADB of $10,000 or more. | 2.65% | — | Includes 0.25% APY Relationship Bonus with qualifying personal or business checking account and ADB of $10,000 or more. |
| $250,000 – $499,999Includes 0.25% APY Relationship Bonus with qualifying personal or business checking account and ADB of $10,000 or more. | 2.65% | — | Includes 0.25% APY Relationship Bonus with qualifying personal or business checking account and ADB of $10,000 or more. |
| $500,000 – $999,999Includes 0.25% APY Relationship Bonus with qualifying personal or business checking account and ADB of $10,000 or more. | 3.75% | — | Includes 0.25% APY Relationship Bonus with qualifying personal or business checking account and ADB of $10,000 or more. |
| $1,000,000 and upIncludes 0.25% APY Relationship Bonus with qualifying personal or business checking account and ADB of $10,000 or more. | 4.00% | — | Includes 0.25% APY Relationship Bonus with qualifying personal or business checking account and ADB of $10,000 or more. |
Sources (2)
- chartway.com/personal/learn/rates/account-rates.html
- chartway.com/personal/spend-and-save/money-market.html
All captured Oct 15, 2026
Smart Steps Savings
3.06%APY on $10,000
During first 6 months after account opening, promotional APY of 5.00% applies to balance within the first tier (up to $2,499.99). Standard tiered APYs apply to balances above first tier. No monthly fees, no minimum balance, no penalty for withdrawal. Limited to personal accounts; 1 per member. Dividends accrue daily and paid monthly.
| Part of the balance | Rate on that part |
|---|---|
| Up to $2,500 | 5.00% |
| Up to $2,500 | 4.41% |
| $2,500 – $5,000 | 1.24% |
| $5,000 – $10,000 | 0.75% |
| $10,000 – $25,000 | 0.25% |
| $25,000 and up | 0.05% |
On $10,000 the tiers blend to about 3.06% APY, earning $306 a year.
Sources (2)
- chartway.com/personal/learn/rates/account-rates.html
- chartway.com/personal/spend-an…smart-steps-savings.html
All captured Oct 22, 2026
Bonus Savings
2.50%APY
Must be funded completely with new money (funds not currently on deposit with Chartway Credit Union; funds transferred from IRA accounts not eligible). Chartway senior leadership positions (VP and above), Board of Directors, and volunteers are not eligible. Dividends are paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMust be funded completely with new money; promotional rate effective as of 1/31/24; dividends paid quarterly.$100 and up | 2.50% | $250 | Must be funded completely with new money; promotional rate effective as of 1/31/24; dividends paid quarterly. |
Sources (1)
- chartway.com/personal/learn/rates/account-rates.html · captured Oct 22, 2026
Money Market Account
0.50%APY
Fees could reduce earnings on the account (applies only to maintenance or activity fees). Variable rates. Rates subject to change at any time without notice.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $5,000 | 0.25% | — |
| $5,000 – $10,000 | 0.40% | — |
| $10,000 – $25,000 | 0.50% | $50 |
| $25,000 – $50,000 | 0.55% | — |
| $50,000 – $100,000 | 0.60% | — |
| $100,000 and up | 0.35% | — |
Sources (1)
- chartway.com/personal/learn/rates/account-rates.html · captured Oct 22, 2026
Custom Share Account
0.05%APY
Open with $5, earn dividends at $100.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upEarns dividends once balance reaches $100.$100 and up | 0.05% | $5 | Earns dividends once balance reaches $100. |
Sources (2)
- chartway.com/personal/learn/rates/account-rates.html
- chartway.com/personal/spend-and-save/savings.html
All captured Oct 22, 2026
Prime Share Savings Account
0.05%APY
Open your account with $5 and start earning dividends once balance reaches $100.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upEarns dividends once balance reaches $100.$100 and up | 0.05% | $5 | Earns dividends once balance reaches $100. |
Sources (2)
- chartway.com/personal/learn/rates/account-rates.html
- chartway.com/personal/spend-and-save/savings.html
All captured Oct 22, 2026
Special-purpose accounts
IRA Share Savings
0.25%APY
No administrative fees for IRAs. Available as Traditional or Roth IRA options.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $100,000 | 0.25% | $25 |
| $100,000 – $150,000 | 0.25% | — |
| $150,000 and up | 0.25% | — |
Sources (2)
All captured Oct 22, 2026
Who can join Chartway 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 individuals who (or whose family member) live, work, worship, or study in Chartway's primary markets (Virginia, Utah, Texas).
Employers and groups
- Membership is open to employees of partner Select Employer Groups (SEGs) and their families.
Family and household
- Membership is open to immediate family members of existing Chartway members, including parents, spouses, children, grandparents, and more.
- Membership is open to individuals living in the same household as a current member, including domestic partners and roommates.
Other ways
- Membership is open to individuals who make a $10 donation to the Chartway Promise Foundation.
Cost to join
- Joining via the Chartway Promise Foundation requires a $10 donation.
Membership information collected October 4, 2026.