Credit union · NCUA insured
Mosaic FCU Savings Rates
Mosaic FCU’s best savings rate is 0.05% APY on $10,000, with its Regular Share Account. Rates checked October 22, 2026.
How Mosaic FCU’s savings rates compare
Compared with banks and credit unions near Harrisonburg, VA, where Mosaic FCU has the most branches. $10,000, best rate first.
This credit union’s best
Mosaic FCU
0.05%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $5
Regular Share Account
Top rate
Pendleton Community Bank
3.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $300
2nd-highest rate
Blue Ridge Bank
3.00%APY
- Requires
- Monthly account activity
- Minimum
- $100
- Earns on $10,000 a year
- $300
Mosaic FCU savings score
61
Savings score
Higher than 3% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0000.05%
- QualifiedQualified0.05%
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 Mosaic 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.
Regular Share Account
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $25 and up | 0.05% | $5 |
Sources (1)
- mosaicfcu.org/savings-and-investments · captured Sep 19, 2026
Special-purpose accounts
Christmas Club Account
0.05%APY
Checks are mailed to home in mid October.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceChecks are mailed to home in mid October.Any balance | 0.05% | $5 | Checks are mailed to home in mid October. |
Sources (1)
- mosaicfcu.org/savings-and-investments · captured Sep 19, 2026
Vacation Club Account
0.05%APY
Paid out in mid May; payroll deduction available.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balancePaid out in mid May; payroll deduction available.Any balance | 0.05% | $5 | Paid out in mid May; payroll deduction available. |
Sources (1)
- mosaicfcu.org/savings-and-investments · captured Sep 19, 2026
Who can join Mosaic FCU
This may be incomplete or out of date, so check with the credit union before you apply.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 or businesses that live, work, worship, or attend school in Harrisonburg.
Employers and groups
- Membership is open to employees of Andros USA, Pilgrim's Pride Corporation, Virginia Poultry Growers Coop, Bowman Apple Products, May Supply, or Valley Custom Homes.
Family and household
- Immediate family members of members may join the Credit Union.
Membership information collected October 4, 2026.