Credit union · NCUA insured
Roanoke Valley Community CU Savings Rates
Roanoke Valley Community CU’s best savings rate is 0.70% APY on $10,000, with its Money Market. Rates checked October 22, 2026.
How Roanoke Valley Community CU’s savings rates compare
Compared with banks and credit unions near Roanoke, VA, where Roanoke Valley Community CU has the most branches. $10,000, best rate first.
This credit union’s best
Roanoke Valley Community CU
0.70%APY
- Minimum
- —
- Earns on $10,000 a year
- $70
Money Market
Top rate
Beacon Credit Union
4.00%APY
- Minimum
- $100
- Earns on $10,000 a year
- $400
2nd-highest rate
Freedom First
3.25%APY
- Minimum
- $5,000
- Earns on $10,000 a year
- $325
Roanoke Valley Community CU savings score
81
Savings score
Higher than 56% of U.S. banks and credit unions
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0000.70%
- $100,000 balance$100,0001.00%
- QualifiedQualified0.70%
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 Roanoke Valley Community CU 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 0.70%APY
APY is based on the average daily balance (ADB) maintained in the account. No dividend will be paid if the ADB is below $2,000.00 for the month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,000 and upTier 1. Based on average daily balance (ADB) maintained in the account. No dividend paid if ADB is below $2,000.00 for the month. | 0.50% | $50 | Tier 1. Based on average daily balance (ADB) maintained in the account. No dividend paid if ADB is below $2,000.00 for the month. |
| $5,000 and upTier 2. Based on average daily balance (ADB) maintained in the account. No dividend paid if ADB is below $2,000.00 for the month. | 0.60% | $60 | Tier 2. Based on average daily balance (ADB) maintained in the account. No dividend paid if ADB is below $2,000.00 for the month. |
| $10,000 and upTier 3. Based on average daily balance (ADB) maintained in the account. No dividend paid if ADB is below $2,000.00 for the month. | 0.70% | $70 | Tier 3. Based on average daily balance (ADB) maintained in the account. No dividend paid if ADB is below $2,000.00 for the month. |
| $25,000 and upTier 4. Based on average daily balance (ADB) maintained in the account. No dividend paid if ADB is below $2,000.00 for the month. | 0.80% | — | Tier 4. Based on average daily balance (ADB) maintained in the account. No dividend paid if ADB is below $2,000.00 for the month. |
| $50,000 and upTier 5. Based on average daily balance (ADB) maintained in the account. No dividend paid if ADB is below $2,000.00 for the month. | 1.00% | — | Tier 5. Based on average daily balance (ADB) maintained in the account. No dividend paid if ADB is below $2,000.00 for the month. |
Sources (1)
- rvccu.org/rates · captured Sep 19, 2026
Primary or Secondary Share/Savings Accounts
0.50%APY
Opening deposit of $5.00 required for membership. Rates based on average daily balance (ADB). No dividend is paid if ADB is below $250.00 for the month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $250 – $2,000Tier 1: Minimum balance of $250.00 to earn APY. | 0.20% | — | Tier 1: Minimum balance of $250.00 to earn APY. |
| $2,000 – $5,000Tier 2: Minimum balance of $2,000.00 to earn APY. | 0.40% | — | Tier 2: Minimum balance of $2,000.00 to earn APY. |
| $5,000 – $20,000Tier 3: Minimum balance of $5,000.00 to earn APY. | 0.50% | $50 | Tier 3: Minimum balance of $5,000.00 to earn APY. |
| $20,000 – $50,000Tier 4: Minimum balance of $20,000.00 to earn APY. | 0.60% | — | Tier 4: Minimum balance of $20,000.00 to earn APY. |
| $50,000 and upTier 5: Minimum balance of $50,000.00 to earn APY. | 0.80% | — | Tier 5: Minimum balance of $50,000.00 to earn APY. |
Special-purpose accounts
Christmas Cookie Jar Club
0.60%APY
Includes Christmas Club and Cookie Jar Club accounts. Christmas Club funds grow untouched all year and automatically transfer at the beginning of October. Cookie Jar Club funds can be used at any time. APY is based on average daily balance.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.60% | $60 |
Summer Pay
0.60%APY
Available for teachers who do not get paid on a 12-month schedule. A regular portion of pay during the school year is deducted each check to live on during summer. APY is based on average daily balance.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.60% | $60 |
Traditional and Roth Individual Retirement Accounts
0.60%APY
IRA savings accounts (Traditional and Roth). APY is based on average daily balance.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.60% | $60 |
Sources (1)
- rvccu.org/rates · captured Sep 19, 2026
Who can join Roanoke Valley Community CU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live anywhere in Roanoke City, Roanoke County, Vinton, Salem, or Botetourt are eligible for membership.
- Individuals who work anywhere in Roanoke City, Roanoke County, Vinton, Salem, or Botetourt are eligible for membership.
Military, government and schools
- Individuals who go to school anywhere in Roanoke City, Roanoke County, Vinton, Salem, or Botetourt are eligible for membership.
Family and household
- Immediate relatives of an existing RVCCU member are eligible for membership.
- Household members of an existing RVCCU member are eligible for membership.
Other ways
- Individuals who worship anywhere in Roanoke City, Roanoke County, Vinton, Salem, or Botetourt are eligible for membership.
Membership information collected October 4, 2026.