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 Richmond, VA metro
- 3.85%APY$385 a year on $10,000
Requirements
Product: Available online. Deposit accounts are not available in Puerto Rico or other US territories.
Offer: Variable earnings. No confusing tiers. No cap on interest earned. No overdraft fees. $1.00 minimum opening deposit required and no minimum amount required to obtain APY.
Effective Dec 1, 2025
Rate checked
More details - Langley Credit UnionHigh-Yield SavingsSavings · $0 min · 0.05%–3.75% by balance
Credit union · 1 branch
3.75%APY$375 a year on $10,000Requirements
Product: Tiered rate account. Dividends calculated by average daily balance and compounded monthly. Requires enrollment in eStatements and limited to one withdrawal per calendar month; if requirements are not met or more than one withdrawal occurs, earns 0.05% APY on the entire balance. Limit 1 High-Yield Savings account per member. No monthly fees and no minimum deposit required. $5 deposit to savings account required for membership. High yield rate also applies when MyDesign Checking Steady Saver or All-In requirements are met on balances up to $25,000.
Offer: Standard tier: Earn 3.75% APY on average daily balances up to $25,000 with eStatements and max 1 withdrawal per month.
Compounded monthly · No monthly fee
Rate by balance
Rate by balance for High-Yield Savings Balance APY Up to $25,000Your amount 3.75% $25,000 and up 0.05% Rate checked
More details - RVA FinancialEmpower RVA Money MarketEmpower RVA Money Market · $5,000 min · 0.00%–3.50% by balance
Credit union · 2 branches
3.50%APY$350 a year on $10,000Requirements
Product: Tiered rate structure. $10 fee applies monthly if balance falls below stated minimum ($5,000.00). Withdrawals and transfers in excess of six per month are subject to $10 fee per occurrence.
Offer: Balances from $0.00-$4,999.99 earn 0.00% APY. $10 monthly maintenance fee applies if daily balance falls below $5,000.
0.00% interest rate · $10 monthly fee · Effective Apr 17, 2026
Rate by balance
Rate by balance for Empower RVA Money Market Balance APY Any balance 0.00% $5,000 and upYour amount 3.50% Rate checked
More details - 3.00%APY$300 a year on $10,000with conditions
Requirements
Product: Exclusive savings account paired with linked Kasasa Cash Checking account. No monthly maintenance fee. $100.00 minimum deposit to open. Meeting monthly qualification cycle requirements on linked Kasasa Cash account earns premium APY tiers and domestic ATM fee reimbursements; otherwise base APY applies.
Offer: Base rate earned on all balances if Kasasa Cash monthly qualifications are not met.
Qualified rate · 0.01% interest rate · No monthly fee · Effective Mar 1, 2025
Rate by balance
Rate by balance for Kasasa Saver Balance APY Any balance 0.01% Up to $100,001Your amountRequires meeting Kasasa Cash monthly qualifications (at least 1 direct deposit/ACH, at least 15 debit card purchases, and eStatements enrollment). 3.00% $100,001 and up 0.05% Rate checked
More details - Blue Ridge BankGolden Advantage Money MarketGolden Advantage Money Market · $2,500 min
Bank · 7 branches
2.87%APY$287 a year on $10,000with conditionsRequirements
Product: Avoid monthly maintenance fee by maintaining a $2,500.00 minimum balance. Must have a Golden Advantage Checking or a Golden Advantage Plus Checking to qualify. Free e-statements, paper statement fee may apply.
Qualified rate · 2.83% interest rate · Effective Dec 11, 2025
Rate checked
More details - Peoples Advantage FCUMoney Market SharesMoney Market Shares · $2,000 min · 2.53%–3.31% by balance
Credit union · 4 branches
2.53%APY$253 a year on $10,0002.50% interest rate · Effective Jul 1, 2026
Rate by balance
Rate by balance for Money Market Shares Balance APY $2,000 – $20,000Your amount 2.53% $20,000 – $75,000 2.78% $75,000 and up 3.31% Rate checked
More details - 2.31%APY$231 a year on $10,000
Requirements
Product: Available for personal consumer accounts only. Tiered rates paid on entire balance. Minimum daily balance of $1.00 required to earn disclosed APY.
Offer: Tier 1 balance tier. Tiered rate paid on entire balance.
2.29% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Clear Sky Savings Balance APY Up to $99,999Your amount 2.31% $100,000 – $249,999Tier 2 balance tier. 2.65% $250,000 and upTier 3 balance tier. 3.10% Rate checked
More details - Vantage Point Federal Credit UnionMoney Market AccountMoney Market Account · $2,000 min · 2.02%–2.53% by balance
Credit union · 1 branch
2.02%APY$202 a year on $10,000Requirements
Product: Limited to 6 electronic transfers per month. Over-limit fee is $5.00 per transaction, and repeated overages may result in account closure. Up to 3 checks per month allowed with a minimum of $250.00 per check. Dividends accrue and pay monthly; closing the account prior to posting forfeits accrued dividends.
Offer: Minimum balance to earn dividend is $2,000.00.
2.00% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $2,000 – $25,000Your amount 2.02% $25,000 – $75,000 2.27% Over $75,000 2.53% Rate checked
More details - 1st Advantage Federal Credit UnionHigh-Yield SavingsSavings · $100 min · 0.05%–2.00% by balance
Credit union · 1 branch
2.00%APY$200 a year on $10,000Requirements
Product: Limit one (1) High-Yield Savings account per member. No minimum balance to open. Dividends compounded monthly. $100 minimum average daily balance to earn dividends. No monthly maintenance fee.
Offer: Earns 2.00% APY on balances up to $50,000. $100 minimum average daily balance to earn dividends. Compounded monthly. Limit one account per member.
1.98% interest rate · Compounded monthly · No monthly fee · Effective Jul 28, 2026
Rate by balance
Rate by balance for High-Yield Savings Balance APY $100 – $50,000Your amount 2.00% $50,000 and up 0.05% Rate checked
More details - Connects FCUMoney Market AccountMoney Market Account · $2,500 min · 1.76%–3.81% by balance
Credit union · 3 branches
1.76%APY$176 a year on $10,000Requirements
Product: Limited transaction account with a required minimum deposit of $2,500 and a balance of $2,500 to avoid fees. Minimum balance to receive dividend is $100.00. Dividends compounded monthly, credited monthly, monthly dividend period. Daily balance method. Month-End balance violation fee is $10.00 per month; Minimum balance violation fee is $10.00 per occurrence.
Offer: Average daily balance tiers level required: $2,500.00 - $99,999.99. Minimum balance to receive dividend is $100.00. Month-End balance violation fee $10.00/month; Minimum balance violation fee $10.00/occurrence.
1.75% interest rate · Compounded monthly · $10 monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 – $100,000Your amount 1.76% $100,000 – $250,000 2.78% $250,000 and up 3.81% Rate checked
More details - Virginia Credit UnionPremium Money MarketPremium Money Market · $10,000 min · 0.05%–1.25% by balance
Credit union · 18 branches
1.25%APY$125 a year on $10,000Requirements
Product: 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.
Offer: Compounding frequency: Monthly. Dividends accrue daily and are paid monthly. APYs may change after account is opened. Fees may reduce earnings.
0.05% interest rate
Rate by balance
Rate by balance for Premium Money Market Balance APY $100 and up 0.05% $10,000 and upYour amount 1.25% Rate checked
More details - Call Federal Credit UnionMoney Market AccountMoney Market Account · $1,000 min · 0.35%–2.50% by balance
Credit union · 8 branches
1.25%APY$125 a year on $10,000Requirements
Product: Membership required. Minimum deposit to open is $1,000.00. Rates may change after account is opened. Dividends compound and are credited monthly. Balances above $1,000 earn dividends at successively higher tiered rates. Write up to three checks monthly free-of-charge. Withdrawals limited to six per month.
Offer: Average Daily Balance tier $1,000.00 – $9,999.99.
0.35% interest rate · No monthly fee · Effective Sep 15, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $1,000 – $10,000 0.35% $10,000 – $50,000Your amount 1.25% $50,000 – $100,000 1.25% $100,000 – $150,000 1.50% $150,000 – $200,000 1.75% $200,000 – $250,000 2.00% $250,000 and up 2.50% Rate checked
More details - Woodforest National BankEmerald Elite AccountEmerald Elite Account · $25 min · 1.00%–3.00% by balance
Bank · 9 branches
1.00%APY$100 a year on $10,000Requirements
Product: Tiered money market account. $25.00 monthly minimum balance fee waived if a balance of $10,000.00 or above is maintained each day in the statement period. Up to 6 withdrawals per statement period at no charge ($25.00 fee per excessive withdrawal over 6). Includes custom wallet checks, cashier's checks, money orders, and notary services.
Offer: Emerald Elite 1st Tier. Variable interest rate calculated using daily balance method. $25.00 monthly minimum balance fee waived if a balance of $10,000.00 or above is maintained each day in the statement period.
$25 monthly fee · Effective Sep 14, 2026
Rate by balance
Rate by balance for Emerald Elite Account Balance APY Over $0Your amount 1.00% $100,000 and upEmerald Elite 2nd Tier. 1.50% $250,000 and upEmerald Elite 3rd Tier. 2.00% $500,000 and upEmerald Elite 4th Tier. 3.00% Rate checked
More details - Fulton BankPlatinum Money MarketPlatinum Money Market · $1,000 min · 0.85%–2.46% by balance
Bank · 3 branches
0.90%APY$90 a year on $10,000with conditionsRequirements
Product: Tiered interest rate account. Standard rates and Preferred Pricing bonus tiers available based on combined deposit and investment balances for eligible relationship checking owners.
Offer: Preferred Pricing Diamond tier with $1,000,000 combined balance.
Qualified rate · 0.85% interest rate · Effective Feb 26, 2026
Rate by balance
Rate by balance for Platinum Money Market Balance APY $1,000 – $9,999 0.85% $9,999 – $24,999Your amount 0.90% $24,999 – $49,999 1.06% $49,999 – $99,999 1.45% $99,999 – $249,999 2.15% $249,999 – $999,999 2.46% $999,999 – $1,999,999 2.46% Over $1,999,999 2.46% Rate checked
More details - First Community BankCommunity Money MarketCommunity Money Market · $0 min · 0.75%–1.00% by balance
Bank · 4 branches
0.75%APY$75 a year on $10,0000.75% interest rate
Rate by balance
Rate by balance for Community Money Market Balance APY Any balance 0.75% $10,000 and upYour amount 0.75% $25,000 and up 0.75% $50,000 and up 0.75% $100,000 and up 1.00% $250,000 and up 1.00% $500,000 and up 1.00% $1,000,000 and up 1.00% 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
What savings accounts pay in Richmond, VA metro
87 accounts at 36 banks and credit unions · checked Oct 6–22
- Typical
- 0.15%
- Top 10% from
- 1.86%
- Banks, typical
- 0.10%
- Credit unions, typical
- 0.15%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Richmond, VA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Langley Credit UnionCredit union · 1 branch
- Primis BankBank · 9 branches
- Peoples Advantage FCUCredit union · 4 branches