Credit union · NCUA insured
Credit Union of Richmond Savings Rates
Credit Union of Richmond’s best savings rate is 0.50% APY on $10,000, with its Educational Savings. Rates checked October 22, 2026.
How Credit Union of Richmond’s savings rates compare
Compared with banks and credit unions near Richmond, VA, where Credit Union of Richmond has the most branches. $10,000, best rate first.
This credit union’s best
Credit Union of Richmond
0.50%APY
- Minimum
- $5
- Earns on $10,000 a year
- $50
Regular 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
Credit Union of Richmond savings score
79
Savings score
Higher than 48% of U.S. banks and credit unions
- $1,000 balance$1,0000.50%
- $10,000 balance$10,0000.50%
- $100,000 balance$100,0000.50%
- QualifiedQualified0.50%
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 Credit Union of Richmond 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.
Educational Savings
0.50%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and up$100.00 minimum balance to earn dividend.$100 and up | 0.50% | $50 | $100.00 minimum balance to earn dividend. |
Sources (1)
- curich.org/Rates/Savings-Rates · captured Sep 19, 2026
Regular Savings
0.50%APY
Requires $5.00 for membership.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and up$5.00 for membership; $100.00 minimum balance to earn dividend.$100 and up | 0.50% | $50 | $5.00 for membership; $100.00 minimum balance to earn dividend. |
Special-purpose accounts
Christmas Club
0.50%APY
Funds typically release into the savings account in the first week of October. Taking money out before this date will incur a fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and up$100.00 minimum balance to earn dividend. Funds release in the first week of October; early withdrawal incurs a fee.$100 and up | 0.50% | $50 | $100.00 minimum balance to earn dividend. Funds release in the first week of October; early withdrawal incurs a fee. |
Custodial/VUTMA
0.50%APY
Custodial account for beneficiaries up to age 21 or 25 until reaching age of majority.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and up$5.00 for membership; $100.00 minimum balance to earn dividend. No monthly maintenance fees. Beneficiary up to age 21 or 25.$100 and up | 0.50% | $50 | $5.00 for membership; $100.00 minimum balance to earn dividend. No monthly maintenance fees. Beneficiary up to age 21 or 25. |
Sources (2)
All captured Sep 19, 2026
IRA Savings
0.50%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and up$100.00 minimum balance to earn dividend. Traditional and Roth IRA options available.$100 and up | 0.50% | $50 | $100.00 minimum balance to earn dividend. Traditional and Roth IRA options available. |
Kids/Teens Club
0.50%APY
For children, stepchildren, and grandchildren of current members (ages 1-17). Earns quarterly dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and up$5.00 for membership; $100.00 minimum balance to earn dividend. No monthly maintenance fees. Earns quarterly dividends.$100 and up | 0.50% | $50 | $5.00 for membership; $100.00 minimum balance to earn dividend. No monthly maintenance fees. Earns quarterly dividends. |
Sources (2)
All captured Sep 19, 2026
Who can join Credit Union of Richmond
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.