Virginia Credit Union Savings & Money Market Rates

How Virginia Credit Union’s savings rates compare

Compared with banks and credit unions near Richmond, VA, where Virginia Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
Virginia Credit Union
1.25%APY
Minimum
$10,000
Earns on $10,000 a year
$125
Premium Money Market
Top rate
Primis Bank
3.85%APY
Minimum
$1
Earns on $10,000 a year
$385
Primis Bank rates
2nd-highest rate
Langley Credit Union
3.75%APY
Minimum
$0
Earns on $10,000 a year
$375
Langley Credit Union rates

Compare savings rates near you →

87

Savings score

Higher than 78% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.40%
$10,000 balance$10,0001.25%
$100,000 balance$100,0002.40%
QualifiedQualified1.25%

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.

How the score works →

Where Virginia Credit Union ranks

By savings score, in each area where it has branches

And 1 more area →

Every rate

Current savings rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

Premium Plus Money Market

0.05%APY$25,000 to open

Earn returns while keeping access to savings. Choose between Premium (minimum balance of $10,000) and Premium Plus (minimum balance of $25,000). 2 free withdrawals every month, $3 for each additional. Checking transfers, automatic overdraft protection for checking, direct deposit or payroll deduction. Dividends accrue daily and are paid monthly. Fees may reduce earnings. APYs may change after account is opened.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$100 and upCompounding frequency: Monthly. Dividends accrue daily and are paid monthly. APYs may change after account is opened. Fees may reduce earnings.	0.05%	$5	Compounding frequency: Monthly. Dividends accrue daily and are paid monthly. APYs may change after account is opened. Fees may reduce earnings.
$25,000 and upCompounding frequency: Monthly. Dividends accrue daily and are paid monthly. APYs may change after account is opened. Fees may reduce earnings.	1.75%	—	Compounding frequency: Monthly. Dividends accrue daily and are paid monthly. APYs may change after account is opened. Fees may reduce earnings.
$50,000 and upCompounding frequency: Monthly. Dividends accrue daily and are paid monthly. APYs may change after account is opened. Fees may reduce earnings.	2.00%	—	Compounding frequency: Monthly. Dividends accrue daily and are paid monthly. APYs may change after account is opened. Fees may reduce earnings.
$100,000 and upCompounding frequency: Monthly. Dividends accrue daily and are paid monthly. APYs may change after account is opened. Fees may reduce earnings.	2.40%	—	Compounding frequency: Monthly. Dividends accrue daily and are paid monthly. APYs may change after account is opened. Fees may reduce earnings.
$250,000 and upCompounding frequency: Monthly. Dividends accrue daily and are paid monthly. APYs may change after account is opened. Fees may reduce earnings.	2.75%	—	Compounding frequency: Monthly. Dividends accrue daily and are paid monthly. APYs may change after account is opened. Fees may reduce earnings.

Sources (1)

vacu.org/banking/savings/money-market-savings · captured Oct 22, 2026

Premium Money Market

Up to 1.25%APY$10,000 to open

Earn returns while keeping access to savings. Choose between Premium (minimum balance of $10,000) and Premium Plus (minimum balance of $25,000). 2 free withdrawals every month, $3 for each additional. Checking transfers, automatic overdraft protection for checking, direct deposit or payroll deduction. Dividends accrue daily and are paid monthly. Fees may reduce earnings. APYs may change after account is opened.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$100 and upCompounding frequency: Monthly. Dividends accrue daily and are paid monthly. APYs may change after account is opened. Fees may reduce earnings.	0.05%	$5	Compounding frequency: Monthly. Dividends accrue daily and are paid monthly. APYs may change after account is opened. Fees may reduce earnings.
$10,000 and upCompounding frequency: Monthly. Dividends accrue daily and are paid monthly. APYs may change after account is opened. Fees may reduce earnings.	1.25%	$125	Compounding frequency: Monthly. Dividends accrue daily and are paid monthly. APYs may change after account is opened. Fees may reduce earnings.

Sources (1)

vacu.org/banking/savings/money-market-savings · captured Oct 22, 2026

Regular Savings

0.40%APY$5 to open

Must be a credit union member. $0 monthly fees for account service or maintenance. Free debit card, nationwide ATM access, online banking with eStatements, and mobile banking. $3 fee for each withdrawal in excess of two per month.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$100 – $500Dividend earnings are compounded quarterly. APY may change after account is opened. Fees may reduce earnings on your accounts. No minimum balance to earn APY for members under age 23.	0.05%	—	Dividend earnings are compounded quarterly. APY may change after account is opened. Fees may reduce earnings on your accounts. No minimum balance to earn APY for members under age 23.
$500 and upDividend earnings are compounded quarterly. APY may change after account is opened. Fees may reduce earnings on your accounts. No minimum balance to earn APY for members under age 23.	0.40%	$40	Dividend earnings are compounded quarterly. APY may change after account is opened. Fees may reduce earnings on your accounts. No minimum balance to earn APY for members under age 23.

Sources (3)

All captured Oct 22, 2026

Special-purpose accounts

Health Savings Accounts (HSAs)

1.25%APYHSA$5 to open

Must be a member covered under a high deductible health plan (HDHP) on the first day of the month, not covered by a non-HDHP plan, not enrolled in Medicare, and cannot be claimed as a dependent on another person's tax return. Sets up two accounts: HSA savings and HSA checking. Yearly contribution limits apply. No monthly maintenance fees; $25 annual service fee.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$100 and upQuarterly compounding frequency. APY is subject to change after account is opened. Fees may reduce earnings on your account.$100 and up	1.25%	$125	Quarterly compounding frequency. APY is subject to change after account is opened. Fees may reduce earnings on your account.

Sources (4)

All captured Oct 22, 2026

Who can join Virginia Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Open to anyone

Anyone unable to join through other paths can join through the American Consumer Council (ACC), with VACU handling enrollment and paying the lifetime membership fee.

Where you live or work

Individuals who live, work, worship, volunteer, or attend school in designated Virginia cities, counties, and towns are eligible for membership.

Employers and groups

Employees, retirees, or enrolled full-time/part-time students at Virginia Union University, Randolph-Macon College, Liberty University, or University of Richmond are eligible for membership.

Military, government and schools

Employees, retirees, or enrolled full-time/part-time students at any Virginia state-funded college or university are eligible for membership.
Employees and retirees of any Commonwealth of Virginia state agency/department or any county, city, town, or other political subdivision in Virginia are eligible for membership.

Family and household

Immediate family (parents, spouses, children, siblings, grandparents, grandchildren) and household members of eligible members qualify regardless of where they live.

Cost to join

Membership requires paying a $5 member share.

Membership information collected October 4, 2026.

Check membership requirements ↗Branches and institution details