Credit union · NCUA insured
Virginia Beach Postal FCU Savings Rates
Top CarrotVirginia Beach Postal FCU’s best savings rate is 0.15% APY on $10,000, with its Share Savings Account. Rates checked October 22, 2026.
How Virginia Beach Postal FCU’s savings rates compare
Compared with banks and credit unions near Virginia Beach, VA-NC, where Virginia Beach Postal FCU has the most branches. $10,000, best rate first.
This credit union’s best
Virginia Beach Postal FCU
0.15%APY
- Minimum
- $5
- Earns on $10,000 a year
- $15
Share Savings Account
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
Virginia Beach Postal FCU savings score
69
Savings score
Higher than 23% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.15%
- $100,000 balance$100,0001.55%
- QualifiedQualified0.15%
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 Virginia Beach Postal FCU 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.
Share Savings Account
0.15%APY
Open with picture ID, Social Security card, and $5.00. The Board of Directors sets dividend rates each quarter based on earnings for that period; paid quarterly on January 1st, April 1st, July 1st, October 1st.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $10,000$100.00 minimum balance to earn the stated APY | 0.15% | $15 | $100.00 minimum balance to earn the stated APY |
| $10,000 – $75,000 | 1.00% | — | |
| Over $75,000 | 1.55% | — |
Special-purpose accounts
Club Account
0.15%APY
Members can open up to two (2) club accounts (Club One and Club Two). No withdrawal limitations. The Board of Directors sets dividend rates each quarter based on earnings; paid quarterly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $10,000$100.00 minimum balance to earn the stated APY | 0.15% | $15 | $100.00 minimum balance to earn the stated APY |
| $10,000 – $75,000 | 1.00% | — | |
| Over $75,000 | 1.55% | — |
Holiday Club Account
0.05%APY
Listed as Christmas Club in rate schedule. Funds are transferred to Share Account / made available on or around October 15th every year. Withdrawal restrictions apply. Only one early withdrawal is allowed at a cost of $25.00.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $10,000$100.00 minimum balance to earn the stated APY; Funds Transferred To Share Account Oct 15th; Early withdrawal fee applies | 0.05% | $5 | $100.00 minimum balance to earn the stated APY; Funds Transferred To Share Account Oct 15th; Early withdrawal fee applies |
| $10,000 – $75,000Funds Transferred To Share Account Oct 15th; Early withdrawal fee applies | 1.00% | — | Funds Transferred To Share Account Oct 15th; Early withdrawal fee applies |
| Over $75,000Funds Transferred To Share Account Oct 15th; Early withdrawal fee applies | 1.55% | — | Funds Transferred To Share Account Oct 15th; Early withdrawal fee applies |
Individual Retirement Account
1.00%APY
Traditional, Roth and Educational IRA options available. Restrictions apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceCovers Traditional, Roth and EducationalAny balance | 1.00% | $100 | Covers Traditional, Roth and Educational |
Who can join Virginia Beach Postal FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Mechanical Service Company Inc, Absolute Bottled Water Co, or Shealy-Hodges Corp are eligible for membership.
Military, government and schools
- Members of the National Association of Letter Carriers, Branch 6066 in Chesapeake, Virginia, who qualify for membership in accordance with its charter and bylaws in effect on 9/1/1992 are eligible for membership.
- Members of the National Active and Retired Federal Employees Association (NARFE) Chapter 974 in Virginia Beach, Virginia, who qualify for membership in accordance with its charter and bylaws in effect on 4/28/2011 are eligible for membership.
- Persons retired as pensioners or annuitants from the United States Postal Service are eligible for membership.
- Employees of the U.S. Postal Service, Richmond District who work in, or are paid or supervised from Richmond, Virginia are eligible for membership.
Family and household
- Immediate family members (spouses, parents, children, siblings, grandparents, grandchildren, step-parents, step-children, step-siblings) and persons living in the same residence maintaining a single economic unit (including domestic partners and roommates) are eligible for membership.
Cost to join
- A minimum initial deposit of $5.00 is required upon joining.
Membership information collected October 4, 2026.