Credit union · NCUA insured
Velocity Community Credit Union Savings Rates
Velocity Community Credit Union’s best savings rate is 0.70% APY on $10,000, with its Money Market Account. Rates checked October 15, 2026.
How Velocity Community Credit Union’s savings rates compare
Compared with banks and credit unions near Miami, FL, where Velocity Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Velocity Community Credit Union
3.50%APY
- Requires
- Another account
- Earns on $10,000 a year
- $350
High Yield Savings - New Money Only
Top rate
JM Associates FCU
5.12%APY
- Requires
- None
- Earns on $10,000 a year
- $512
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Earns on $10,000 a year
- $440
Velocity Community Credit Union savings score
86
Savings score
Higher than 74% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.70%
- $100,000 balance$100,0001.35%
- 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 Velocity Community 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.
High Yield Savings - New Money Only
3.50%APY
Must be opened with new money (funds transferred or brought in from an external financial institution). In order to maintain the account, must have a monthly direct deposit of $750.00 or more into a Credit Union checking account within the first 60 days of account opening. To earn the disclosed dividend, must maintain a balance between $10,000 and $100,000.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10,000 – $100,000Must be opened with new money and maintain a monthly direct deposit of $750.00 or more into a Credit Union checking account within the first 60 days of account opening.$10,000 – $100,000 | 3.50% | $350 | Must be opened with new money and maintain a monthly direct deposit of $750.00 or more into a Credit Union checking account within the first 60 days of account opening. |
Sources (2)
All captured Oct 5, 2026
Money Market Account
0.70%APY
Membership is open to anyone who lives, works, worships, or attends school in Palm Beach County. Minimum starting balance is $2,500. Can be used as an overdraft option for checking accounts. Rates are reviewed monthly and subject to change.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,499 | 0.00% | — |
| $2,500 – $9,999 | 0.70% | — |
| $10,000 – $24,999 | 0.70% | $70 |
| $25,000 – $74,999 | 0.85% | — |
| $75,000 – $99,999 | 1.25% | — |
| $100,000 and up | 1.35% | — |
Sources (3)
- velocitycommunity.org/agreements-forms
- velocitycommunity.org/checking-savings/savings
- velocitycommunity.org/live-learn/our-rates
All captured Oct 5, 2026
Savings Account
0.15%APY
Initial deposit of $5 represents share of ownership in the Credit Union and makes you eligible for services; one-time membership fee of $5.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,499 | 0.10% | — |
| $2,500 and up | 0.15% | $15 |
Sources (2)
All captured Oct 5, 2026
You Name It
0.15%APY
A savings account so flexible, it doesn't even have its own name – so you get to name it. Does not automatically transfer balance during the year.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,499 | 0.10% | — |
| $2,500 and up | 0.15% | $15 |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
HSA Savings
1.50%APY
Must have a qualified high deductible health plan, have no other major medical insurance coverage, not enrolled in Medicare, and cannot be claimed as anyone's dependent. Interest must be used for qualified medical expenses to stay tax-free.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $5 and up | 1.50% | $150 |
Sources (2)
All captured Oct 5, 2026
Coverdell Education Savings Accounts
0.70%APY
No annual fee, no maintenance fee. Allows saving for child's education on a tax-favored basis. Anyone can make non-tax-deductible contributions subject to modified adjusted gross income limits.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,499 | 0.00% | — |
| $2,500 – $9,999 | 0.70% | — |
| $10,000 – $24,999 | 0.70% | $70 |
| $25,000 – $74,999 | 0.85% | — |
| $75,000 – $99,999 | 1.25% | — |
| $100,000 and up | 1.35% | — |
Sources (2)
All captured Oct 5, 2026
Traditional, ROTH, & SEP IRAs
0.70%APY
Offers Traditional, ROTH, and SEP IRAs. Tax labels remain wrappers under one IRA savings product.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,499 | 0.00% | — |
| $2,500 – $9,999 | 0.70% | — |
| $10,000 – $24,999 | 0.70% | $70 |
| $25,000 – $74,999 | 0.85% | — |
| $75,000 – $99,999 | 1.25% | — |
| $100,000 and up | 1.35% | — |
Sources (2)
All captured Oct 5, 2026
Holiday Club
0.15%APY
At the start of November, funds are automatically transferred into your savings account at Velocity Community Credit Union.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,499 | 0.10% | — |
| $2,500 and up | 0.15% | $15 |
Sources (2)
All captured Oct 5, 2026
Closed to new customers
High Yield Savings (legacy account - no longer available)
3.00%APY
Legacy account, no longer available to new applicants.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10,000 – $50,000Legacy account - no longer available.$10,000 – $50,000 | 3.00% | $300 | Legacy account - no longer available. |
Sources (1)
- velocitycommunity.org/live-learn/our-rates · captured Oct 5, 2026
Who can join Velocity Community Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives in Palm Beach County is eligible for membership.
- Anyone who attends school in Palm Beach County is eligible for membership.
- Anyone who works in Palm Beach County is eligible for membership.
- Anyone who worships in Palm Beach County is eligible for membership.
Family and household
- Individuals who have family eligible for membership can apply.
Membership information collected October 5, 2026.