Compare Bank & Credit Union Rates
Best high-yield savings rates
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 results in Winchester, VA-WV metro
- 3.00%APY$300 a year on $10,000with conditions
Requirements
Product: Exclusive to education community employees in the United States. Requires minimum direct deposit of $500 per month to any Apple FCU Checking or Savings account to qualify for premium rate. Balances over $10,000 and accounts without qualifying direct deposit earn the Regular Savings rate.
Offer: Compounded monthly. Premium rate earned on balances up to $10,000 with qualifying minimum monthly direct deposit of $500 to any Apple FCU Checking or Savings account. No minimum balance or monthly fees.
Qualified rate · Compounded monthly · No monthly fee · Effective Oct 15, 2026
Rate checked
More details - 2.75%APY$275 a year on $10,000
Requirements
Product: Emergency savings account. Balances over $10,000 earn 1.00% APY. No minimum balance required. Option to fund via Round Up debit card purchases.
Offer: Compounded monthly. Premium rate earned on balances up to $10,000. No minimum balance required.
Compounded monthly · Effective Oct 15, 2026
Rate by balance
Rate by balance for SafetyNet Savings Balance APY Up to $10,000Your amount 2.75% Over $10,000 1.00% Rate checked
More details - 2.55%APY$255 a year on $10,000
Requirements
Product: $10 opening deposit required. Avoid $10 monthly service fee with an average daily balance of $1,000. Write up to 6 checks per month.
Offer: $10.00 balance requirement to obtain APY. Maintain daily average balance of $1,000 to avoid $10 monthly service charge.
2.52% interest rate · $10 monthly fee
Rate by balance
Rate by balance for F&M Money Market Balance APY $1,000 – $100,000Your amount 2.55% $100,000 – $250,000 2.60% $250,000 – $750,000 2.65% $750,000 – $1,500,000 2.70% $1,500,000 and up 3.22% Rate checked
More details - 1.55%APY$155 a year on $10,000
Requirements
Product: Offers flexible access to funds with no term requirements. Compounded monthly.
Offer: Compounded monthly.
Compounded monthly · Effective Oct 4, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,499 0.50% $2,500 – $19,999Your amount 1.55% $20,000 – $49,999 1.60% $50,000 – $99,999 1.70% $100,000 – $249,999 1.75% $250,000 – $999,999 2.00% $1,000,000 and up 3.00% Rate checked
More details - 1.15%APY$115 a year on $10,000with conditions
Requirements
Product: Requires linked FNB Kickback Checking or FNB Platinum Checking account. Limit of 1 account per Social Security Number. Free eStatements.
Offer: Qualifications met: at least 12 debit card purchases post and settle per statement cycle, enrolled in and agreed to receive eStatements, enrolled in and log into online banking, and maintain a valid email address on record.
Qualified rate · Balance cap $100,000 · No monthly fee · Effective Oct 9, 2025
Rate checked
More details - 0.40%APY$40 a year on $10,000
Requirements
Product: Interest compounded quarterly. No monthly service fee. Limited to 6 withdrawals per month. The interest rate may change after account opening. Fees on the account could reduce earnings. Rate effective as of October 19, 2026.
Offer: Interest compounded quarterly. Required minimum balance of $10.
0.40% interest rate · Compounded quarterly · No monthly fee · Effective Oct 19, 2026
Rate checked
More details - Capon Valley BankCVB™ Premium Money MarketCVB™ Premium Money Market · $1 min · 0.00%–1.61% by balance
Bank · 3 branches
0.35%APY$35 a year on $10,000Requirements
Product: The interest rate may change after account opening. Fees on the account could reduce earnings. Monthly compounding.
0.00% interest rate · Effective Oct 19, 2026
Rate by balance
Rate by balance for CVB™ Premium Money Market Balance APY Up to $1,000 0.00% $1,000 – $25,000Your amount 0.35% $25,000 – $50,000 1.51% $50,000 and up 1.61% Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: Rate effective as of October 19, 2026. The interest rate may change after account opening. Fees on the account could reduce earnings.
Offer: Balance between $1 and $999.99
0.00% interest rate · Effective Oct 19, 2026
Rate by balance
Rate by balance for CVB Plus Balance APY Up to $1,000 0.00% $1,000 and upYour amountRequired balance to achieve rate. 0.30% Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: A Membership Savings Account with a $5 minimum is required to establish and maintain membership. Additional Share Savings Accounts do not require the $5 minimum. Navy Federal does not charge monthly maintenance fees on savings accounts.
Offer: Compounded and credited monthly. A Membership Savings Account with a $5 minimum is required to establish and maintain membership. Additional Share Savings Accounts do not require the $5 minimum. Rates on variable-rate accounts could change after account opening. Fees may reduce earnings.
0.25% interest rate · No monthly fee · Effective Oct 22, 2026
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: No monthly service charge if you maintain a minimum balance of $50. Compounding frequency: Quarterly.
Offer: Compounding frequency: Quarterly.
0.20% interest rate · Effective Oct 8, 2026
Rate by balance
Rate by balance for Statement Savings Balance APY Up to $10,000 0.20% $10,000 – $50,000Your amount 0.25% $50,000 – $100,000 0.30% $100,000 – $250,000 0.40% $250,000 and up 0.80% Rate checked
More details - ACT 1st Federal Credit UnionMoney Maker Money MarketMoney Maker Money Market · $2,500 min · 0.25%–0.95% by balance
Credit union · 1 branch
0.25%APY$25 a year on $10,000Requirements
Product: Must have an active share account and maintain a $2,500.00 average daily balance to earn stated APY. $10.00 monthly service fee avoided by maintaining an average daily balance of at least $2,500.00. Membership requires opening a savings account with a minimum deposit of $5.00.
Offer: Must have an active share account and maintain a $2,500.00 average daily balance to earn stated APY. $10.00 monthly service fee waived with average daily balance of at least $2,500.00.
0.25% interest rate · $10 monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Maker Money Market Balance APY $2,500 – $15,000Your amount 0.25% $15,000 – $30,000 0.30% $30,000 – $75,000 0.35% $75,000 – $150,000 0.40% $150,000 – $250,000 0.45% $250,000 – $500,000 0.75% $500,000 and up 0.95% Rate checked
More details - Romney Federal Credit UnionMoney Market AccountsMoney Market Accounts · $5,000 min · 0.00%–1.86% by balance
Credit union · 1 branch
0.25%APY$25 a year on $10,000Requirements
Product: $5,000 minimum deposit required.
0.00% interest rate
Rate by balance
Rate by balance for Money Market Accounts Balance APY Up to $5,000 0.00% $5,000 – $15,000Your amount 0.25% $15,000 – $25,000 0.30% $25,000 – $50,000 0.50% $50,000 – $100,000 1.00% $100,000 – $150,000 1.21% $150,000 – $250,000 1.66% $250,000 and up 1.86% Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: Minimum $5.00 daily balance to earn interest. $2.00 monthly maintenance fee waived with a minimum daily balance of $100.00 (or for individuals under 18 years of age upon proof of age). Compounded and credited quarterly. Allows up to 6 pre-authorized transfers per statement period.
Offer: $2.00 monthly maintenance fee applies if daily balance falls below $100.00 (waived for individuals under 18 upon proof of age). Minimum $5.00 daily balance to earn interest.
0.20% interest rate · $2 monthly fee · Effective Sep 30, 2026
Rate checked
More details - Romney Federal Credit UnionRegular SharesSavings · $25 min · 0.20%–0.75% by balance
Credit union · 1 branch
0.20%APY$20 a year on $10,000Requirements
Product: Open to members. Account transfer and withdrawal limitations apply. Dividends compounded quarterly, credited at maturity.
Offer: Dividends calculated by Average Daily Balance. Minimum balance to avoid a service fee is $25. Minimum balance to earn stated APY is $25.
0.20% interest rate · Compounded quarterly
Rate by balance
Rate by balance for Regular Shares Balance APY Up to $2,500 0.20% $2,500 – $25,000Your amount 0.20% $25,000 – $100,000 0.30% $100,000 – $250,000APY is listed as 0.45% on Accounts page and 0.451% in TIS disclosure. 0.45% Over $250,000 0.75% Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Compounded daily and credited quarterly. Service charge is $10 per quarter, waived with a $100 quarterly average balance; service charges are also waived for minors, students, seniors (65+), individuals with disabilities, estates, and qualifying nonprofits in Shenandoah Valley, Virginia.
Offer: Earns interest on balances of $10.00 and over. $10 quarterly service charge waived with a quarterly average balance of $100.
0.15% interest rate · Compounded daily · Effective Oct 22, 2026
Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What savings accounts pay in Winchester, VA-WV metro
28 accounts at 12 banks and credit unions · checked Oct 22
- Typical
- 0.18%
- Top 10% from
- 1.85%
- Banks, typical
- 0.10%
- Credit unions, typical
- 0.25%
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Winchester, VA-WV metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Apple FCUCredit union · 1 branch
- Navy Federal Credit UnionCredit union · 2 branches