Vantage rates: up to 2.25% APY
credit union · NCUA CHARTER 67804 · www.vcu.com/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Holiday Club Savings | 0.25% | APY | 2026-11-01 | since 2026-11-01 | ||
| IRA Savings Account | $0 – $499.99 | 0.25% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Savings Account | $500 – $1,999.99 | 0.25% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Savings Account | $2,000 – $4,999.99 | 0.25% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Savings Account | $5,000 – $9,999.99 | 0.25% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Savings Account | $10,000 – $19,999.99 | 0.35% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Savings Account | $20,000 – $49,999.99 | 0.40% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Savings Account | $50,000 – $99,999.99 | 0.50% | APY | 2026-11-01 | since 2026-11-01 | |
| IRA Savings Account | $100,000+ | 0.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Regular/Special Savings | $0 – $499.99 | 0.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Regular/Special Savings | $500 – $1,999.99 | 0.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Regular/Special Savings | $2,000 – $4,999.99 | 0.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Regular/Special Savings | $5,000 – $9,999.99 | 0.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Regular/Special Savings | $10,000 – $19,999.99 | 0.35% | APY | 2026-11-01 | since 2026-11-01 | |
| Regular/Special Savings | $20,000 – $49,999.99 | 0.40% | APY | 2026-11-01 | since 2026-11-01 | |
| Regular/Special Savings | $50,000 – $99,999.99 | 0.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Regular/Special Savings | $100,000+ | 0.75% | APY | 2026-11-01 | since 2026-11-01 |
Money market
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Money Market Account | $0 – $9,999.99 | 0.25% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $10,000 – $19,999.99 | 1.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $20,000 – $49,999.99 | 1.50% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $50,000 – $99,999.99 | 1.75% | APY | 2026-11-01 | since 2026-11-01 | |
| Money Market Account | $100,000+ | 2.25% | APY | 2026-11-01 | since 2026-11-01 |
Checking
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Legacy Checking | $0 – $5000 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Rewards+ Checking | $0 – $5000 | 0.25% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.vcu.com/rates/money-market-rates | — | http-error | |
| www.vcu.com/rates/certificates-of-deposit-(cds) | 2026-11-01 21:54 UTC | ok | 995571d357cc |
| www.vcu.com/rates/savings-rates | — | http-error |