Credit union · NCUA insured
Connects FCU Savings Rates
Connects FCU’s best savings rate is 1.76% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How Connects FCU’s savings rates compare
Compared with banks and credit unions near Richmond, VA, where Connects FCU has the most branches. $10,000, best rate first.
This credit union’s best
Connects FCU
1.76%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $176
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
Connects FCU savings score
88
Savings score
Higher than 82% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0001.76%
- $100,000 balance$100,0002.78%
- QualifiedQualified1.76%
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 Connects FCU 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
1.76%APY
Limited transaction account with a required minimum deposit of $2,500 and a balance of $2,500 to avoid fees. Minimum balance to receive dividend is $100.00. Dividends compounded monthly, credited monthly, monthly dividend period. Daily balance method. Month-End balance violation fee is $10.00 per month; Minimum balance violation fee is $10.00 per occurrence.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $100,000Average daily balance tiers level required: $2,500.00 - $99,999.99. Minimum balance to receive dividend is $100.00. Month-End balance violation fee $10.00/month; Minimum balance violation fee $10.00/occurrence. | 1.76% | $176 | Average daily balance tiers level required: $2,500.00 - $99,999.99. Minimum balance to receive dividend is $100.00. Month-End balance violation fee $10.00/month; Minimum balance violation fee $10.00/occurrence. |
| $100,000 – $250,000Average daily balance tiers level required: $100,000 -$249,999.99. Minimum balance to receive dividend is $100.00. Month-End balance violation fee $10.00/month; Minimum balance violation fee $10.00/occurrence. | 2.78% | — | Average daily balance tiers level required: $100,000 -$249,999.99. Minimum balance to receive dividend is $100.00. Month-End balance violation fee $10.00/month; Minimum balance violation fee $10.00/occurrence. |
| $250,000 and upAverage daily balance tiers level required: $250,000.00 and up. Minimum balance to receive dividend is $100.00. Month-End balance violation fee $10.00/month; Minimum balance violation fee $10.00/occurrence. | 3.81% | — | Average daily balance tiers level required: $250,000.00 and up. Minimum balance to receive dividend is $100.00. Month-End balance violation fee $10.00/month; Minimum balance violation fee $10.00/occurrence. |
Sources (3)
All captured Oct 4, 2026
Regular Share Account
0.05%APY
Minimum $5.00 deposit/balance required to join. Quarterly statements.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upDividends compounded and credited monthly; dividend period is monthly; calculated via daily balance method. Minimum balance to receive dividend is $100.00.$100 and up | 0.05% | $5 | Dividends compounded and credited monthly; dividend period is monthly; calculated via daily balance method. Minimum balance to receive dividend is $100.00. |
Sources (2)
All captured Oct 4, 2026
Special-purpose accounts
IRA Savings Account
0.50%APY
This program pays monthly dividends without monthly or annual maintenance fees, and no minimum balance is required. IRS restrictions may apply. Roth and Educational IRA Savings Accounts are also available.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded and credited monthly; dividend period is monthly; calculated via daily balance method. No minimum balance required to receive dividend. No monthly or annual maintenance fees.Any balance | 0.50% | $50 | Dividends compounded and credited monthly; dividend period is monthly; calculated via daily balance method. No minimum balance required to receive dividend. No monthly or annual maintenance fees. |
Christmas Club
0.05%APY
No minimum balance or deposit required. Christmas Club balances are automatically transferred to Share Accounts each October and the new Club year begins. Early withdrawal penalty may apply ($10.00 and close club account until next year).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded and credited monthly; dividend period is monthly; calculated via daily balance method. No minimum balance required to receive dividend. Penalty may apply for early withdrawal.Any balance | 0.05% | $5 | Dividends compounded and credited monthly; dividend period is monthly; calculated via daily balance method. No minimum balance required to receive dividend. Penalty may apply for early withdrawal. |
Sources (2)
All captured Oct 4, 2026
Vacation Club
0.05%APY
No minimum balance or deposit required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded and credited monthly; dividend period is monthly; calculated via daily balance method. No minimum balance required to receive dividend.Any balance | 0.05% | $5 | Dividends compounded and credited monthly; dividend period is monthly; calculated via daily balance method. No minimum balance required to receive dividend. |
Sources (2)
All captured Oct 4, 2026
Youth Account
0.05%APY
Special savings account for kids age 12 and under. Encouraged to save with special gifts for qualified deposits.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upDividends compounded and credited monthly; dividend period is monthly; calculated via daily balance method. Minimum balance to receive dividend is $5.00.$5 and up | 0.05% | $5 | Dividends compounded and credited monthly; dividend period is monthly; calculated via daily balance method. Minimum balance to receive dividend is $5.00. |
Who can join Connects FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, attends school, volunteers, or regularly conducts business in the Greater Richmond Community (City of Richmond, Chesterfield County, Hanover County, or Henrico County) is eligible to join.
Employers and groups
- Employees of companies in the Greater Richmond area that offer Connects FCU as a company benefit are eligible for membership privileges.
Family and household
- Immediate family members of current members are eligible to join.
Cost to join
- Opening a share account requires a minimum initial deposit of $5.00.
Membership information collected October 4, 2026.