RateHerald

APY

0.25%

As of Nov 1, 2026. Rates are variable.

Virginia · Checking account

Virginia Extra Credit Checking

$0 a year for an everyday customer. No monthly fee. $20 to open.

Checked Nov 1, 2026Updated

A year, everyday customer
$0
APY
Monthly fee
To open

Features

  • Bill pay
  • Branch access
  • Check writing
  • Contactless card
  • Debit card
  • Free checks
  • Interest bearing
  • Joint accounts
  • Minor accounts
  • Mobile check deposit
  • Mobile wallet
  • Online opening
  • Support 24/7

From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.

In the bank’s words

Terms

Rate conditions

Balance needed for the APY
$1vacu.org, checked Nov 1, 2026
To earn the APY
Earn dividends on as little as $1 in your accountvacu.org, checked Nov 1, 2026

Fees

Monthly fee
Nonevacu.org, checked Nov 1, 2026
Minimum to open
$20vacu.org, checked Nov 1, 2026
ATM network
Find ATMs at VACU locations or shared branches with credit unions nationwidevacu.org, checked Nov 1, 2026
Out-of-network ATM fee
Nonevacu.org, checked Nov 1, 2026

Who can open it

Availability
For members 13 to 22 years oldvacu.org, checked Nov 1, 2026
Membership
Open to anyone who qualifies through one of these:
  • Employees and retirees of any Commonwealth of Virginia state agency or department, or any county, city, town, or other political subdivision in Virginia.
  • Individuals who live, work, worship, volunteer, or attend school within the boundaries of the listed Virginia cities, towns, and counties.
  • Employees, retirees, or full-time/part-time students currently enrolled at any Virginia state-funded college or university, Virginia Union University, Randolph-Macon College, Liberty University, or the University of Richmond.
  • Immediate family and household members, regardless of where they live, including parents, spouses, children, siblings, grandparents, and grandchildren.
vacu.org, checked Nov 1, 2026
Minimum age
13vacu.org, checked Nov 1, 2026

Insured through the NCUA, up to $250,000 per member, per ownership category: NCUA record.

Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money · Not stated: 1 item counted at typical fees

See it on vacu.org

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