Credit union · NCUA insured
CommonWealth One Savings Rates
CommonWealth One’s best savings rate is 0.07% APY on $10,000, with its Share Savings Account. Rates checked October 22, 2026.
How CommonWealth One’s savings rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where CommonWealth One has the most branches. $10,000, best rate first.
This credit union’s best
CommonWealth One
2.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $200
Kasasa Saver Savings Account
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
CommonWealth One savings score
78
Savings score
Higher than 45% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.23%
- $100,000 balance$100,0000.39%
- QualifiedQualified2.00%
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 CommonWealth One 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.
Kasasa Saver Savings Account
Up to 2.00%APY
Must be linked to an active Kasasa Cash, Kasasa Cash Back, or Kasasa Eats checking account. Requires at least 1 direct deposit/ACH credit/payment, 15 debit card purchases, and eStatements per Monthly Qualification Cycle to receive qualifying rates. Limit of 1 Kasasa Saver per membership (max 2 across combined memberships).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $100,000Qualifying tier for portion of average daily balance $0 but less than $100,000.01 when linked Kasasa checking qualifications are met. | 2.00% | $200 | Qualifying tier for portion of average daily balance $0 but less than $100,000.01 when linked Kasasa checking qualifications are met. |
| Any balanceDefault rate on all balances if monthly qualifications are not met in linked Kasasa checking account. | 0.05% | $5 | Default rate on all balances if monthly qualifications are not met in linked Kasasa checking account. |
Money Management Account
0.23%APY on $10,000
Dividends are compounded and posted monthly based on Average Daily Balance. Must maintain an average daily balance of $2,500 to earn dividends. Stated interest rate is paid only on the portion of the balance within each tier. Limit of 6 electronic funds transfers/withdrawals per month.
| Part of the balance | Rate on that part |
|---|---|
| Up to $2,500 | 0.15% |
| $2,500 – $10,000 | 0.25% |
| $10,000 and up | 0.35% |
On $10,000 the tiers blend to about 0.23% APY, earning $23 a year.
Sources (3)
- cofcu.org/bank/personal/saving…oney-management-accounts · captured Sep 19, 2026
- cofcu.org/disclosures/truth-in-savings-disclosure · captured Sep 19, 2026
- cofcu.org/getmedia/be536481-b4…06648/TIS-10-08-2025.pdf · captured Oct 8, 2026
Share Savings Account
0.07%APY
A $5.00 minimum deposit/balance is required to establish credit union membership. Dividends are variable, declared at the close of the dividend period, calculated on average daily balance, and compounded/posted quarterly. Closing before quarter end forfeits dividends.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Tier applies to portion of balance from $0 but less than $2,500.00. | 0.05% | — | Tier applies to portion of balance from $0 but less than $2,500.00. |
| $2,500 – $10,000Tier applies to portion of balance from $2,500.00 but less than $10,000.00; APY range 0.05% - 0.07%. | 0.07% | $7 | Tier applies to portion of balance from $2,500.00 but less than $10,000.00; APY range 0.05% - 0.07%. |
| $10,000 – $25,000Tier applies to portion of balance from $10,000.00 but less than $25,000.00; APY range 0.07% - 0.07%. | 0.07% | $7 | Tier applies to portion of balance from $10,000.00 but less than $25,000.00; APY range 0.07% - 0.07%. |
| $25,000 – $50,000Tier applies to portion of balance from $25,000.00 but less than $50,000.00; APY range 0.07% - 0.08%. | 0.08% | — | Tier applies to portion of balance from $25,000.00 but less than $50,000.00; APY range 0.07% - 0.08%. |
| $50,000 and upTier applies to portion of balance $50,000.00 and over; APY range 0.08% - 0.10%. | 0.10% | — | Tier applies to portion of balance $50,000.00 and over; APY range 0.08% - 0.10%. |
Money Management Plus Account
0.00%APY on $10,000
Dividends are compounded and posted monthly based on Average Daily Balance. Daily/average daily balance of $10,000 required to earn dividends. Stated interest rate is paid only on the portion of the balance within each tier. Not available to IRA or Business accountholders. Limit of 6 electronic funds transfers/withdrawals per month.
| Part of the balance | Rate on that part |
|---|---|
| $25,000 – $50,000 | 0.45% |
| $50,000 and up | 0.55% |
On $10,000 the tiers blend to about 0.00% APY, earning $0 a year.
Sources (3)
- cofcu.org/bank/personal/saving…oney-management-accounts · captured Sep 19, 2026
- cofcu.org/disclosures/truth-in-savings-disclosure · captured Sep 19, 2026
- cofcu.org/getmedia/be536481-b4…06648/TIS-10-08-2025.pdf · captured Oct 8, 2026
Special-purpose accounts
Youth Savings Account
0.07%APY
Available to members aged 23 and under (Centsables program for ages 12 and younger; Student Savings for ages 13 to 22). One account per Social Security Number. Parent/legal guardian required as joint owner if under 18.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Tier applies to portion of balance from $0 but less than $1,000.00. | 2.10% | — | Tier applies to portion of balance from $0 but less than $1,000.00. |
| $1,000 – $10,000Tier applies to portion of balance from $1,000.00 but less than $10,000.00; APY range 0.05% - 0.07%. | 0.07% | $7 | Tier applies to portion of balance from $1,000.00 but less than $10,000.00; APY range 0.05% - 0.07%. |
| $10,000 – $25,000Tier applies to portion of balance from $10,000.00 but less than $25,000.00; APY is 0.07%. | 0.07% | $7 | Tier applies to portion of balance from $10,000.00 but less than $25,000.00; APY is 0.07%. |
| $25,000 – $50,000Tier applies to portion of balance from $25,000.00 but less than $50,000.00; APY range 0.07% - 0.08%. | 0.08% | — | Tier applies to portion of balance from $25,000.00 but less than $50,000.00; APY range 0.07% - 0.08%. |
| $50,000 and upTier applies to portion of balance $50,000.00 and over; APY range 0.08% - 0.10%. | 0.10% | — | Tier applies to portion of balance $50,000.00 and over; APY range 0.08% - 0.10%. |
Holiday Club Account
0.10%APY
Funds withdrawn prior to October 31 result in account closure. In early November, funds are automatically transferred to a designated checking or savings account. Account renews every year.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRate stated as high as 0.10% APY. One withdrawal allowed per year.Any balance | 0.10% | $10 | Rate stated as high as 0.10% APY. One withdrawal allowed per year. |
Vacation Club Account
0.07%APY
Up to two withdrawals permitted per calendar year. Savings are automatically deposited into a designated checking or savings account. Account renews every year. Dividends compounded and posted quarterly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Tier applies to portion of balance from $0 but less than $2,500.00. | 0.05% | — | Tier applies to portion of balance from $0 but less than $2,500.00. |
| $2,500 – $10,000Tier applies to portion of balance from $2,500.00 but less than $10,000.00; APY range 0.05% - 0.07%. | 0.07% | $7 | Tier applies to portion of balance from $2,500.00 but less than $10,000.00; APY range 0.05% - 0.07%. |
| $10,000 – $25,000Tier applies to portion of balance from $10,000.00 but less than $25,000.00; APY is 0.07%. | 0.07% | $7 | Tier applies to portion of balance from $10,000.00 but less than $25,000.00; APY is 0.07%. |
| $25,000 – $50,000Tier applies to portion of balance from $25,000.00 but less than $50,000.00; APY range 0.07% - 0.08%. | 0.08% | — | Tier applies to portion of balance from $25,000.00 but less than $50,000.00; APY range 0.07% - 0.08%. |
| $50,000 and upTier applies to portion of balance $50,000.00 and over; APY range 0.08% - 0.10%. | 0.10% | — | Tier applies to portion of balance $50,000.00 and over; APY range 0.08% - 0.10%. |
Who can join CommonWealth One
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is available to individuals who live, work, worship, go to school, or volunteer in eligible areas, including Washington D.C., Harrisonburg, VA, Warren County, VA, or Clarke County, VA.
Employers and groups
- Membership is available to employees of qualifying sponsor groups or select employer groups.
Family and household
- Membership is available to immediate family members of existing members (including spouses, children, siblings, parents, grandparents, grandchildren) and household members maintaining a single economic unit.
Other ways
- Membership is available through joining the American Consumer Council (ACC), with the one-time enrollment fee covered by the credit union.
Cost to join
- To access services and join, open a savings account and deposit at least $5.
Membership information collected October 4, 2026.