Virginia rates: up to 3.85% APY
credit union · NCUA CHARTER 24962 · www.vacu.org/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Health Savings Account | 1.240% | APY | 2026-11-01 | since 2026-11-01 | ||
| Regular Savings | 0.05% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| 6 month certificate | 6 months | 2.15% | APY | 2026-11-01 | since 2026-11-01 | |
| 6 month certificate | 6 months | 2.15% | APY | 2026-11-01 | since 2026-11-01 | |
| 12 month IRA | 1 year | 3.85% | APY | 2026-11-01 | since 2026-11-01 | |
| 12 month certificate | 1 year | 3.85% | APY | 2026-11-01 | since 2026-11-01 | |
| 12 month certificate | 1 year | 3.85% | APY | 2026-11-01 | since 2026-11-01 | |
| 18 month variable IRA | 18 months | 2.50% | APY | 2026-11-01 | since 2026-11-01 | |
| 24 Month Certificate | 2 years | 3.40% | APY | 2026-11-01 | since 2026-11-01 | |
| 24 Month Certificate | 2 years | 3.40% | APY | 2026-11-01 | since 2026-11-01 | |
| 24 month IRA | 2 years | 3.40% | APY | 2026-11-01 | since 2026-11-01 | |
| 36 month IRA | 3 years | 3.45% | APY | 2026-11-01 | since 2026-11-01 | |
| 36 month certificate | 3 years | 3.45% | APY | 2026-11-01 | since 2026-11-01 | |
| 36 month certificate | 3 years | 3.45% | APY | 2026-11-01 | since 2026-11-01 | |
| 48 month IRA | 4 years | 3.45% | APY | 2026-11-01 | since 2026-11-01 | |
| 48 month certificate | 4 years | 3.45% | APY | 2026-11-01 | since 2026-11-01 | |
| 48 month certificate | 4 years | 3.45% | APY | 2026-11-01 | since 2026-11-01 | |
| 60 month IRA | 5 years | 3.75% | APY | 2026-11-01 | since 2026-11-01 | |
| 60 month certificate | 5 years | 3.75% | APY | 2026-11-01 | since 2026-11-01 | |
| 60 month certificate | 5 years | 3.75% | APY | 2026-11-01 | since 2026-11-01 | |
| 84 month IRA | 7 years | 3.75% | APY | 2026-11-01 | since 2026-11-01 | |
| 84 month certificate | 7 years | 3.75% | APY | 2026-11-01 | since 2026-11-01 | |
| 84 month certificate | 7 years | 3.75% | APY | 2026-11-01 | since 2026-11-01 |
Money market
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Premium Money Market | 0.05% | APY | 2026-11-01 | since 2026-11-01 | ||
| Premium Plus Money Market | 0.05% | APY | 2026-11-01 | since 2026-11-01 |
Checking
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Checking Plus | 0.05% | APY | 2026-11-01 | since 2026-11-01 | ||
| Enhanced Benefit Checking | 0.05% | APY | 2026-11-01 | since 2026-11-01 | ||
| Extra Credit Checking (ages 13-22) | 0.05% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.vacu.org/banking/savings | — | extract-failed | |
| www.vacu.org/why-vacu/rates | 2026-11-01 14:03 UTC | ok | 2fef94db8c32 |
| www.vacu.org/banking/savings/savings-certificates | 2026-11-01 14:03 UTC | ok | f2b693d6506f |