Credit union · NCUA insured
RVA Financial Savings Rates
Top CarrotRVA Financial’s best savings rate is 3.50% APY on $10,000, with its Empower RVA Money Market. Rates checked October 22, 2026.
How RVA Financial’s savings rates compare
Compared with banks and credit unions near Richmond, VA, where RVA Financial has the most branches. $10,000, best rate first.
This credit union’s best
RVA Financial
3.50%APY
- Minimum
- $5,000
- Earns on $10,000 a year
- $350
Empower RVA Money Market
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
RVA Financial savings score
93
Savings score
Higher than 95% of U.S. banks and credit unions
- $10,000 balance$10,0003.50%
- $100,000 balance$100,0003.50%
- QualifiedQualified3.50%
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 RVA Financial 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.
Empower RVA Money Market
Up to 3.50%APY
Tiered rate structure. $10 fee applies monthly if balance falls below stated minimum ($5,000.00). Withdrawals and transfers in excess of six per month are subject to $10 fee per occurrence.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceBalances from $0.00-$4,999.99 earn 0.00% APY. $10 monthly maintenance fee applies if daily balance falls below $5,000. | 0.00% | $0 | Balances from $0.00-$4,999.99 earn 0.00% APY. $10 monthly maintenance fee applies if daily balance falls below $5,000. |
| $5,000 and upBalances $5,000 and up earn 3.50% APY (3.44% interest rate). $10 monthly maintenance fee waived if daily balance of $5,000 or more is maintained. | 3.50% | $350 | Balances $5,000 and up earn 3.50% APY (3.44% interest rate). $10 monthly maintenance fee waived if daily balance of $5,000 or more is maintained. |
Sources (1)
- rvafinancial.com/wp-content/up…04/TISA-April-202631.pdf · captured Oct 15, 2026
Money Market & Super Money Market
0.05%APY
Tiered rate structure. Maintenance fee of $10.00 per month applies if daily balance falls below the minimum requirement of $10,000.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Balances from $0.00-$9,999.99 earn 0.00% APY. $10 monthly maintenance fee applies if daily balance falls below $10,000. | 0.00% | — | Balances from $0.00-$9,999.99 earn 0.00% APY. $10 monthly maintenance fee applies if daily balance falls below $10,000. |
| $10,000 and upBalances $10,000 and up earn 0.05% APY (0.05% interest rate). $10 monthly maintenance fee waived if daily balance of $10,000 or more is maintained. | 0.05% | $5 | Balances $10,000 and up earn 0.05% APY (0.05% interest rate). $10 monthly maintenance fee waived if daily balance of $10,000 or more is maintained. |
Sources (1)
- rvafinancial.com/wp-content/up…04/TISA-April-202631.pdf · captured Oct 15, 2026
Who can join RVA Financial
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees and members of American Consumer Council are eligible for membership.
Military, government and schools
- Employees of the Capital Region Airport Commission are eligible for membership.
- Employees of the City of Richmond, VA are eligible for membership.
- Employees of the Richmond Redevelopment & Housing Authority who work in Richmond, VA are eligible for membership.
- Employees of the Richmond School Board in Richmond, VA are eligible for membership.
Family and household
- Immediate family members of eligible individuals are eligible for membership.
Membership information collected October 4, 2026.