Credit union · NCUA insured
Romney Federal Credit Union Savings Rates
Romney Federal Credit Union’s best savings rate is 0.25% APY on $10,000, with its Money Market Accounts. Rates checked October 22, 2026.
How Romney Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Winchester, VA-WV, where Romney Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Romney Federal Credit Union
0.25%APY
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000 a year
- $25
Money Market Accounts
Top rate
Apple FCU
3.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $300
2nd-highest rate
F&M Bank
2.55%APY
- Requires
- None
- Minimum
- $10
- Earns on $10,000 a year
- $255
Romney Federal Credit Union savings score
73
Savings score
Higher than 34% of U.S. banks and credit unions
- $1,000 balance$1,0000.30%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0001.21%
- 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 Romney Federal 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 Accounts
0.25%APY
$5,000 minimum deposit required.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $5,000 | 0.00% | — |
| $5,000 – $15,000 | 0.25% | $25 |
| $15,000 – $25,000 | 0.30% | — |
| $25,000 – $50,000 | 0.50% | — |
| $50,000 – $100,000 | 1.00% | — |
| $100,000 – $150,000 | 1.21% | — |
| $150,000 – $250,000 | 1.66% | — |
| $250,000 and up | 1.86% | — |
Sources (2)
All captured Sep 19, 2026
Regular Shares
0.20%APY
Open to members. Account transfer and withdrawal limitations apply. Dividends compounded quarterly, credited at maturity.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Dividends calculated by Average Daily Balance. Minimum balance to avoid a service fee is $25. Minimum balance to earn stated APY is $25. | 0.20% | — | Dividends calculated by Average Daily Balance. Minimum balance to avoid a service fee is $25. Minimum balance to earn stated APY is $25. |
| $2,500 – $25,000Dividends calculated by Average Daily Balance. Minimum balance to avoid a service fee is $25. Minimum balance to earn stated APY is $25. | 0.20% | $20 | Dividends calculated by Average Daily Balance. Minimum balance to avoid a service fee is $25. Minimum balance to earn stated APY is $25. |
| $25,000 – $100,000Dividends calculated by Average Daily Balance. Minimum balance to avoid a service fee is $25. Minimum balance to earn stated APY is $25. | 0.30% | — | Dividends calculated by Average Daily Balance. Minimum balance to avoid a service fee is $25. Minimum balance to earn stated APY is $25. |
| $100,000 – $250,000Dividends calculated by Average Daily Balance. Minimum balance to avoid a service fee is $25. Minimum balance to earn stated APY is $25. APY is listed as 0.45% on Accounts page and 0.451% in TIS disclosure. | 0.45% | — | Dividends calculated by Average Daily Balance. Minimum balance to avoid a service fee is $25. Minimum balance to earn stated APY is $25. APY is listed as 0.45% on Accounts page and 0.451% in TIS disclosure. |
| Over $250,000Dividends calculated by Average Daily Balance. Minimum balance to avoid a service fee is $25. Minimum balance to earn stated APY is $25. | 0.75% | — | Dividends calculated by Average Daily Balance. Minimum balance to avoid a service fee is $25. Minimum balance to earn stated APY is $25. |
Sources (2)
All captured Sep 19, 2026
Summer Savers
0.30%APY
Dividends compounded semi-annually, credited May 1. Dividend period is quarterly (calendar). Dividends calculated by Daily Balance method. Account withdrawal limitations apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Stated on Accounts page as $.00 Min - $5k max; Truth-in-Savings lists $5 minimum opening deposit.Up to $5,000 | 0.30% | — | Stated on Accounts page as $.00 Min - $5k max; Truth-in-Savings lists $5 minimum opening deposit. |
Sources (2)
All captured Sep 19, 2026
Special-purpose accounts
Kids Share Accounts
0.50%APY
Dividends compounded semi-annually, credited monthly. Dividend period is quarterly (calendar). Dividends calculated by Daily Balance method.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.50% | $50 |
Sources (2)
All captured Sep 19, 2026
Teen Share Accounts
0.50%APY
Dividends compounded semi-annually, credited monthly. Dividend period is quarterly (calendar). Dividends calculated by Daily Balance method.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.50% | $50 |
Sources (2)
All captured Sep 19, 2026
Christmas Club
0.30%APY
Dividends compounded semi-annually, credited October 1. Dividend period is quarterly (calendar). Dividends calculated by Daily Balance method. Account withdrawal limitations apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Stated on Accounts page as $.00 Min - $5k max; Truth-in-Savings lists $5 minimum opening deposit.Up to $5,000 | 0.30% | — | Stated on Accounts page as $.00 Min - $5k max; Truth-in-Savings lists $5 minimum opening deposit. |
Sources (2)
All captured Sep 19, 2026
Who can join Romney Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.