VirginiaSavings accountChecked Oct 10, 2026Updated
Virginia Regular Savings
0.40%APY on $10,000 · as of Oct 10, 2026
- A year on $10,000
- $40 after fees
- Monthly fee
- $5 a month
- To open
- $5 to open
- On our list
- #89 of 234 savings accounts, by a year’s value on $10,000
Visit VirginiaThe bank’s own page · checked Oct 10, 2026
What it earns in a year
Interest at the APY for each balance, minus any monthly fee you’d pay. Rates are variable; these are today’s.
| Balance | APY | A year, after fees |
|---|---|---|
| $1,000 | 0.40% | $4 |
| $5,000 | 0.40% | $20 |
| $10,000 | 0.40% | $40 |
| $25,000 | 0.40% | $100 |
| $50,000 | 0.40% | $200 |
| $100,000 | 0.40% | $400 |
Rates by balance
| Balance | APY |
|---|---|
| Any balance | 0.05% |
| $100 and up | 0.40% |
Source: the bank’s rates · as of Oct 10, 2026
Rate conditions
- Balance needed for the APY
- $100Source · checked Oct 10, 2026
Fees
- Monthly fee
- $5 a monthSource · checked Oct 10, 2026
- Ways to avoid the monthly fee
- Any one of these:
- total average monthly balance of less than $100
- excluding under age 23
- Minimum to open
- $5Source · checked Oct 10, 2026
- Overdraft fee
- $20Source · checked Oct 10, 2026
- Returned item (NSF) fee
- $20Source · checked Oct 10, 2026
- Overdraft transfer fee
- $5Source · checked Oct 10, 2026
- Most overdraft fees in a day
- 6Source · checked Oct 10, 2026
- Withdrawals a month
- 2Source · checked Oct 10, 2026
- Fee for each withdrawal over the limit
- $3Source · checked Oct 10, 2026
- ATM network
- VACU locations or shared branches with credit unions nationwideSource · checked Oct 10, 2026
- Out-of-network ATM fee
- $1Source · checked Oct 10, 2026
- Outgoing domestic wire
- $20Source · checked Oct 10, 2026
- Outgoing international wire
- $50Source · checked Oct 10, 2026
- Inactivity fee
- $10Source · checked Oct 10, 2026
- Cashier’s check
- $5Source · checked Oct 10, 2026
- Stop payment
- $35Source · checked Oct 10, 2026
- Card replacement
- $5Source · checked Oct 10, 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.
Features
Automatic savingsBill payDebit cardInterest bearingMobile check depositSavings round ups
From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.
Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money