Bank · FDIC insured
VirtualBank Savings Rates
VirtualBank’s best savings rate is 3.51% APY on $10,000, with its eMoney Market. Rates checked October 25, 2026.
How VirtualBank’s savings rates compare
Compared with banks and credit unions nationwide. $10,000, best rate first.
This bank’s best
VirtualBank
3.51%APY
- Requires
- None
- Earns on $10,000 a year
- $351
eMoney Market
Top rate
NET Credit Union
6.00%APY
- Requires
- Monthly account activity
- Earns on $10,000 a year
- $600
2nd-highest rate
Westerra Credit Union
6.00%APY
- Requires
- Another account
- Earns on $10,000 a year
- $600
VirtualBank savings score
96
Savings score
Higher than 98% of U.S. banks and credit unions
- $1,000 balance$1,0003.51%
- $10,000 balance$10,0003.51%
- $100,000 balance$100,0003.51%
- QualifiedQualified3.51%
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 VirtualBank ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
eMoney Market
3.51%APY
Variable interest rates and APYs are based on account balances and subject to change daily without notice. Consumer savings and checking account interest is credited and compounded monthly using the daily balance method. Transfers from savings accounts by preauthorized, automatic, or telephone transfer, or check/debit card are limited to six per month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceOpen a new eMoney Market and earn 3.51% APY. eMoney Market Special rate is for new accounts opened today. | 3.51% | $351 | Open a new eMoney Market and earn 3.51% APY. eMoney Market Special rate is for new accounts opened today. |
| Up to $10,000Daily balance $.01 - $9,999.99. Rate is variable and subject to change daily. | 3.51% | — | Daily balance $.01 - $9,999.99. Rate is variable and subject to change daily. |
| $10,000 – $25,000Daily balance $10,000 - $24,999.99. Rate is variable and subject to change daily. | 3.51% | $351 | Daily balance $10,000 - $24,999.99. Rate is variable and subject to change daily. |
| $25,000 – $50,000Daily balance $25,000 - $49,999.99. Rate is variable and subject to change daily. | 3.51% | — | Daily balance $25,000 - $49,999.99. Rate is variable and subject to change daily. |
| $50,000 – $100,000Daily balance $50,000 - $99,999.99. Rate is variable and subject to change daily. | 3.51% | — | Daily balance $50,000 - $99,999.99. Rate is variable and subject to change daily. |
| $100,000 – $250,000Daily balance $100,000 - $249,999.99. Rate is variable and subject to change daily. | 3.51% | — | Daily balance $100,000 - $249,999.99. Rate is variable and subject to change daily. |
Sources (2)
All captured Oct 25, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.