Credit union · NCUA insured
URW Community Federal Credit Union Savings Rates
URW Community Federal Credit Union’s best savings rate is 0.30% APY on $10,000, with its Money Market. Rates checked October 22, 2026.
How URW Community Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Danville, VA, where URW Community Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
URW Community Federal Credit Union
0.30%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $30
Money Market
Top rate
Beacon Credit Union
4.00%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $400
2nd-highest rate
Movement Bank
3.05%APY
- Requires
- Monthly account activity
- Minimum
- $100
- Earns on $10,000 a year
- $305
URW Community Federal Credit Union savings score
73
Savings score
Higher than 34% of U.S. banks and credit unions
- $1,000 balance$1,0000.12%
- $10,000 balance$10,0000.30%
- $100,000 balance$100,0000.40%
- QualifiedQualified0.30%
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 URW Community 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.
Jumbo Money Market
0.40%APY
Must be a member of URW Community Federal Credit Union (own a share savings account with a $25.00 minimum balance). Cannot convert a regular Money Market Account to Jumbo Money Market; must open a new Jumbo Money Market Account and transfer funds.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100,000 and upNo monthly service charge if minimum average daily balance of $100,000 is maintained. If the account balance falls below a minimum average daily balance of $100,000, dividends will be earned at the share savings rate.$100,000 and up | 0.40% | — | No monthly service charge if minimum average daily balance of $100,000 is maintained. If the account balance falls below a minimum average daily balance of $100,000, dividends will be earned at the share savings rate. |
Money Market
0.30%APY
Must be a member of URW Community Federal Credit Union (own a share savings account with a $25.00 minimum balance).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upNo monthly service charge if minimum average daily balance of $2,500 is maintained. Funds in accounts with balances below $2,500 do not earn dividends for each day they remain below the minimum.$2,500 and up | 0.30% | $30 | No monthly service charge if minimum average daily balance of $2,500 is maintained. Funds in accounts with balances below $2,500 do not earn dividends for each day they remain below the minimum. |
Member Share Savings Account
0.12%APY
Must live, work, worship, attend school, or volunteer in the credit union field of membership. $25 minimum balance required to maintain account and avoid fees. Dividends compounded daily, credited monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $500 and up | 0.12% | $12 |
Sources (2)
All captured Sep 19, 2026
Special-purpose accounts
IRAs (Traditional, Roth, SEP, Educational, Conduit)
Up to 1.56%APY
Available for Traditional, Roth, SEP, Educational, and Conduit IRAs. Held in URW savings account options (Liquid or Stable). Subject to IRS contribution limits and rules.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceStable IRA savings option.Any balance | 1.56% | $156 | Stable IRA savings option. |
| Any balanceLiquid IRA savings option.Any balance | 0.55% | $55 | Liquid IRA savings option. |
Christmas Club Savings
0.20%APY
Open any time throughout the year. Dividends calculated on average daily balance, paid monthly. Funds automatically transfer to URW Savings or Checking account on November 1. Automatically renews each year unless closed. Opening deposit is $25, or $5 with payroll deduction/automatic transfer from URW Savings or Checking account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceOpening deposit is $25, or $5 with payroll deduction/automatic transfer from URW Savings or Checking account. Transfers November 1.Any balance | 0.20% | $20 | Opening deposit is $25, or $5 with payroll deduction/automatic transfer from URW Savings or Checking account. Transfers November 1. |
Kidz Club Share Account
0.20%APY
For members age 12 and younger. Automatic enrollment in Kidz Club upon opening. Interest earned on first $500.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $500Interest earned on first $500.Up to $500 | 0.20% | — | Interest earned on first $500. |
Vacation Club Savings
0.20%APY
Open any time throughout the year. Dividends calculated on average daily balance, paid monthly. Funds automatically transfer to URW Savings or Checking account on June 1. Automatically renews each year unless closed. Opening deposit is $25, or $5 with payroll deduction/automatic transfer from URW Savings or Checking account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceOpening deposit is $25, or $5 with payroll deduction/automatic transfer from URW Savings or Checking account. Transfers June 1.Any balance | 0.20% | $20 | Opening deposit is $25, or $5 with payroll deduction/automatic transfer from URW Savings or Checking account. Transfers June 1. |
Health Savings Account (HSA)
0.00%APY
Must be enrolled in a High Deductible Health Plan (HDHP), have no other non-permitted health coverage, not enrolled in Medicare, and cannot be claimed as a dependent on someone else's tax return. Dividends compounded daily on daily balance when balance reaches or exceeds $250. Subject to annual contribution limits. Contributions must stop once enrolled in Medicare.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $250 and upDividends compounded daily and calculated on daily balance when balance reaches or exceeds $250. Contributions must stop once enrolled in Medicare.$250 and up | 0.00% | $0 | Dividends compounded daily and calculated on daily balance when balance reaches or exceeds $250. Contributions must stop once enrolled in Medicare. |
Who can join URW Community Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.