Credit union · NCUA insured
Homebase Credit Union Savings Rates
Homebase Credit Union’s best savings rate is 0.25% APY on $10,000, with its Share Savings. Rates checked October 22, 2026.
How Homebase Credit Union’s savings rates compare
Compared with banks and credit unions near Richmond, VA, where Homebase Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Homebase Credit Union
0.25%APY
- Minimum
- $25
- Earns on $10,000 a year
- $25
Share 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
Homebase Credit Union savings score
73
Savings score
Higher than 34% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0001.76%
- QualifiedQualified0.25%
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 Homebase 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
Up to 1.76%APY
Membership required with a $1 non-refundable joining fee plus $25 refundable share deposit. Average Daily Balance of $25,000.00 required to earn stated dividend; $25 fee applied each month minimum daily balance is not maintained. Dividends paid monthly.
| Balance | APY | Minimum | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|---|
| $25,000 and upRequires $25,000 minimum deposit to open and an Average Daily Balance of $25,000.00 to earn stated dividend. · $25,000 to open | 1.25% | $25,000 | — | Requires $25,000 minimum deposit to open and an Average Daily Balance of $25,000.00 to earn stated dividend. |
| $50,000 and upRequires $50,000 minimum deposit to open. · $50,000 to open | 1.51% | $50,000 | — | Requires $50,000 minimum deposit to open. |
| $75,000 and upRequires $75,000 minimum deposit to open. · $75,000 to open | 1.76% | $75,000 | — | Requires $75,000 minimum deposit to open. |
Sources (2)
All captured Oct 4, 2026
Share Savings
0.25%APY
Requires an Average Daily Balance of $300.00 to earn the stated dividend. Primary Share Accounts require a $25 minimum deposit to open. Non-refundable joining fee of $1 plus $25 refundable savings deposit required for membership. Dividends calculated on average daily balance and paid/compounded monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $300 and upRequires an Average Daily Balance of $300.00 to earn the stated dividend. $25 minimum deposit to open.$300 and up | 0.25% | $25 | Requires an Average Daily Balance of $300.00 to earn the stated dividend. $25 minimum deposit to open. |
Sources (1)
- homebasecu.org/deposits/savings/share-accounts · captured Oct 4, 2026
Savings Revolution
0.10%APY
Encourages incremental savings via paycheck allocations. Requires an Average Daily Balance of $300.00 to earn the stated dividend. Dividends calculated on average daily balance and paid/compounded monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $300 and upRequires an Average Daily Balance of $300.00 to earn the stated dividend.$300 and up | 0.10% | $10 | Requires an Average Daily Balance of $300.00 to earn the stated dividend. |
Sources (2)
All captured Oct 4, 2026
Special-purpose accounts
IRA Share Account
0.25%APY
Requires a minimum deposit of $100 to open and an Average Daily Balance of $300.00 to earn the stated dividend. Available for Traditional and Roth IRAs. Dividends calculated on average daily balance and paid/compounded monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $300 and upRequires a minimum deposit of $100 to open and an Average Daily Balance of $300.00 to earn the stated dividend.$300 and up | 0.25% | $25 | Requires a minimum deposit of $100 to open and an Average Daily Balance of $300.00 to earn the stated dividend. |
Sources (3)
- homebasecu.org/planning/investments/iras
- homebasecu.org/deposits/savings/share-accounts
- homebasecu.org/deposits/savings
All captured Oct 4, 2026
Christmas Club
0.05%APY
Requires a minimum deposit of $5 to open. Requires an Average Daily Balance of $300.00 to earn the stated dividend. Automatically disburses entire balance and earned dividends in early November.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $300 and upRequires a minimum deposit of $5 to open and an Average Daily Balance of $300.00 to earn the stated dividend.$300 and up | 0.05% | $5 | Requires a minimum deposit of $5 to open and an Average Daily Balance of $300.00 to earn the stated dividend. |
Sources (2)
All captured Oct 4, 2026
Who can join Homebase 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 anyone who lives, worships, works (or regularly conducts business in), or attends school in designated Virginia counties and cities.
Employers and groups
- Companies and other legal entities in the eligible counties can join.
Military, government and schools
- Employees of the credit union are eligible to join.
Family and household
- Spouses of persons who died while within the credit union's field of membership are eligible to join.
- Immediate family relations of current members are eligible to join.
Other ways
- Organizations within the eligible localities can join.
1 more way to join
Other ways
- Volunteers within the eligible localities can join.
Cost to join
- New membership requires a $25 savings deposit that is refundable upon account closing.
- New membership requires a $1 non-refundable membership fee.
Membership information collected October 4, 2026.