APY on $10,000
0.40%
As of Oct 12, 2026. Rates are variable.
Virginia · Savings account
Virginia Regular Savings
$40 a year on $10,000 at today’s 0.40% APY. $5 a month. $5 to open.
- A year on $10,000
- Receipt · A year on $10,000Checked Oct 12, 2026
Issuer's page · vacu.org
The source states this figure; we have no exact sentence on file yet.
- Balance
- $10,000
- APY
- 0.40%
- Monthly fee, a year
- $60
- A year
- $40
- APY on $10,000
- Receipt · APYChecked Oct 12, 2026
Issuer's page · vacu.org
The source states this figure; we have no exact sentence on file yet.
- Monthly fee
- Receipt · Monthly feeChecked Nov 8, 2026
Issuer document · vacu.org · PDF
The source states this figure; we have no exact sentence on file yet.
- To open
- Receipt · Minimum to openChecked Nov 8, 2026
Issuer's page · vacu.org
The source states this figure; we have no exact sentence on file yet.
In dollars
What it earns in a year
Interest at the APY for each balance, minus any monthly fee you’d pay. Pick your balance; the rail’s figure follows it.
Against the market
How it ranks
#91of 270 savings accounts, by a year’s value on $10,000
All 270 savings accounts, rankedFeatures
- Automatic savings
- Bill pay
- Debit card
- Interest bearing
- Mobile check deposit
- Savings round ups
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
- $100vacu.org, checked Nov 8, 2026
Fees
- Monthly fee
- $5 a monthvacu.org, checked Nov 8, 2026
- Ways to avoid the monthly fee
- Any one of these:
- total average monthly balance of less than $100
- excluding under age 23
- have been open for more than one year
- Minimum to open
- $5vacu.org, checked Nov 8, 2026
- Overdraft fee
- $20vacu.org, checked Nov 8, 2026
- Returned item (NSF) fee
- $20vacu.org, checked Nov 8, 2026
- Overdraft transfer fee
- $5vacu.org, checked Nov 8, 2026
- Most overdraft fees in a day
- 6vacu.org, checked Nov 8, 2026
- Withdrawals a month
- 2vacu.org, checked Nov 8, 2026
- Fee for each withdrawal over the limit
- $3vacu.org, checked Nov 8, 2026
- ATM network
- VACU locations or shared branches with credit unions nationwidevacu.org, checked Nov 8, 2026
- Out-of-network ATM fee
- $1vacu.org, checked Nov 8, 2026
- Outgoing domestic wire
- $20vacu.org, checked Nov 8, 2026
- Outgoing international wire
- $50vacu.org, checked Nov 8, 2026
- Inactivity fee
- $10vacu.org, checked Nov 8, 2026
- Cashier’s check
- $5vacu.org, checked Nov 8, 2026
- Stop payment
- $35vacu.org, checked Nov 8, 2026
- Card replacement
- $5vacu.org, checked Nov 8, 2026
Who can open it
- 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.
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