Best Money Market Rates in Fredericksburg, Virginia (VA) - April 2026
Content reviewed by
Brian McKay
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Brian McKay
Brian McKay
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The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Fredericksburg, Virginia and the surrounding area money market rates include Marine Federal Credit UnionMarine Federal Credit UnionA5.0 ★Texas Ratio: 8.48% Choice Money Market at 4.07% APY, Apple Federal Credit UnionApple Federal Credit UnionA+5.0 ★Texas Ratio: 0.37% Money Market at 4.00% APY, 1st Advantage Federal Credit Union1st Advantage Federal Credit UnionA+5.0 ★Texas Ratio: 2.79% Business Performance Plus Money Market Account at 4.00% APY, University of Virginia Community Credit UnionUniversity of Virginia Community Credit UnionA+5.0 ★Texas Ratio: 3.16% MaxSaver Money Market Account at 4.00% APY, and Beacon Credit Union IncorporatedBeacon Credit Union IncorporatedA+5.0 ★Texas Ratio: 1.89% Business Money Market at 4.00% APY. Money market rates as of April 12, 2026 according to verified data from MonitorBankRates.
Fredericksburg has 7 local institutions in our database, with money market rates as high as 3.50% APY from Baxter Credit Union at 1 Geico Blvd, Fredericksburg, VA 22412. Use the table below to compare all available offers, including options from institutions serving the broader Virginia area. Rates are continually updated — we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Fredericksburg, Virginia and surrounding area. Last Updated and Verified: April 12, 2026
Compare the Best Money Market Rates Today in Fredericksburg, Virginia & the Surrounding Area
Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
1 Geico Blvd, Fredericksburg, VA 22412
Money Market Special
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details
$15,000+ Intro rate
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
1 Geico Blvd, Fredericksburg, VA 22412
Money Market Special Intro rate
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details
$15,000+
Citizens and Farmers Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
175 Kings Hwy, Fredericksburg, VA 22405
Community Money Market Savings
3.25%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMar 25, 2026
Details
Limited time offer for non-profit business (defined as 501c3) entities only.
Blue Ridge Bank National Association
Institution Rating:
F2.8 ★ Texas Ratio: 41.42%
10645 Courthouse Rd, Fredericksburg, VA 22407
Business Money Market
3.22%
$0
▼
Rate3.17%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Blue Ridge Bank National Association
Institution Rating:
F2.8 ★ Texas Ratio: 41.42%
10645 Courthouse Rd, Fredericksburg, VA 22407
Signature Money Market
3.20%
$0
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Blue Ridge Bank National Association
Institution Rating:
F2.8 ★ Texas Ratio: 41.42%
10645 Courthouse Rd, Fredericksburg, VA 22407
Platinum Money Market
3.20%
$0
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Blue Ridge Bank National Association
Institution Rating:
F2.8 ★ Texas Ratio: 41.42%
10645 Courthouse Rd, Fredericksburg, VA 22407
Municipal Money Market
3.07%
$0
▼
Rate3.03%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Blue Ridge Bank National Association
Institution Rating:
F2.8 ★ Texas Ratio: 41.42%
10645 Courthouse Rd, Fredericksburg, VA 22407
Signature Money Market
3.05%
$0
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Blue Ridge Bank National Association
Institution Rating:
F2.8 ★ Texas Ratio: 41.42%
10645 Courthouse Rd, Fredericksburg, VA 22407
Business Money Market
2.97%
$0
▼
Rate2.93%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Blue Ridge Bank National Association
Institution Rating:
F2.8 ★ Texas Ratio: 41.42%
10645 Courthouse Rd, Fredericksburg, VA 22407
Golden Advantage Money Market
2.87%
$0
▼
Rate2.83%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Blue Ridge Bank National Association
Institution Rating:
F2.8 ★ Texas Ratio: 41.42%
10645 Courthouse Rd, Fredericksburg, VA 22407
Municipal Money Market
2.82%
$0
▼
Rate2.78%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Blue Ridge Bank National Association
Institution Rating:
F2.8 ★ Texas Ratio: 41.42%
10645 Courthouse Rd, Fredericksburg, VA 22407
Business Money Market
2.77%
$0
▼
Rate2.73%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Blue Ridge Bank National Association
Institution Rating:
F2.8 ★ Texas Ratio: 41.42%
10645 Courthouse Rd, Fredericksburg, VA 22407
Municipal Money Market
2.62%
$0
▼
Rate2.58%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Virginia Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.74%
2150 Gordon W Shelton Blvd, Fredericksburg, VA 22401 4974
Premium Plus Money Market
2.60%
$25,000
▼
Rate2.57%
Min Deposit$25,000
Min Balance—
UpdatedApr 8, 2026
Details
Blue Ridge Bank National Association
Institution Rating:
F2.8 ★ Texas Ratio: 41.42%
10645 Courthouse Rd, Fredericksburg, VA 22407
Business Money Market
2.57%
$0
▼
Rate2.54%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Blue Ridge Bank National Association
Institution Rating:
F2.8 ★ Texas Ratio: 41.42%
10645 Courthouse Rd, Fredericksburg, VA 22407
Money Market Tiered
2.52%
$0
▼
Rate2.49%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Blue Ridge Bank National Association
Institution Rating:
F2.8 ★ Texas Ratio: 41.42%
10645 Courthouse Rd, Fredericksburg, VA 22407
Money Market Tiered
2.42%
$0
▼
Rate2.39%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Blue Ridge Bank National Association
Institution Rating:
F2.8 ★ Texas Ratio: 41.42%
10645 Courthouse Rd, Fredericksburg, VA 22407
Municipal Money Market
2.42%
$0
▼
Rate2.39%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Blue Ridge Bank National Association
Institution Rating:
F2.8 ★ Texas Ratio: 41.42%
10645 Courthouse Rd, Fredericksburg, VA 22407
Business Money Market
2.25%
$0
▼
Rate2.20%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Atlantic Union Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
4805 Lassen Ln, Fredericksburg, VA 22408
Performance Money Market
2.25%
$0
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Blue Ridge Bank National Association
Institution Rating:
F2.8 ★ Texas Ratio: 41.42%
10645 Courthouse Rd, Fredericksburg, VA 22407
Municipal Money Market
2.07%
$0
▼
Rate2.05%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Blue Ridge Bank National Association
Institution Rating:
F2.8 ★ Texas Ratio: 41.42%
10645 Courthouse Rd, Fredericksburg, VA 22407
Business Money Market
2.02%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Blue Ridge Bank National Association
Institution Rating:
F2.8 ★ Texas Ratio: 41.42%
10645 Courthouse Rd, Fredericksburg, VA 22407
Municipal Money Market
1.87%
$0
▼
Rate1.85%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Carter Bank & Trust
Institution Rating:
F1.0 ★ Texas Ratio: 96.15%
1204 Bragg Rd, Fredericksburg, VA 22407
Premium Money Market Account
1.67%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Blue Ridge Bank National Association
Institution Rating:
F2.8 ★ Texas Ratio: 41.42%
10645 Courthouse Rd, Fredericksburg, VA 22407
Business Money Market
1.52%
$0
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Blue Ridge Bank National Association
Institution Rating:
F2.8 ★ Texas Ratio: 41.42%
10645 Courthouse Rd, Fredericksburg, VA 22407
Municipal Money Market
1.37%
$0
▼
Rate1.36%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Blue Ridge Bank National Association
Institution Rating:
F2.8 ★ Texas Ratio: 41.42%
10645 Courthouse Rd, Fredericksburg, VA 22407
Money Market Tiered
1.25%
$0
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Blue Ridge Bank National Association
Institution Rating:
F2.8 ★ Texas Ratio: 41.42%
10645 Courthouse Rd, Fredericksburg, VA 22407
Money Market Tiered
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Blue Ridge Bank National Association
Institution Rating:
F2.8 ★ Texas Ratio: 41.42%
10645 Courthouse Rd, Fredericksburg, VA 22407
Municipal Money Market
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Blue Ridge Bank National Association
Institution Rating:
F2.8 ★ Texas Ratio: 41.42%
10645 Courthouse Rd, Fredericksburg, VA 22407
Business Money Market
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Blue Ridge Bank National Association
Institution Rating:
F2.8 ★ Texas Ratio: 41.42%
10645 Courthouse Rd, Fredericksburg, VA 22407
Money Market Tiered
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Atlantic Union Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
4805 Lassen Ln, Fredericksburg, VA 22408
Money Market Account
0.65%
$0
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Marine Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.48%
Choice Money Market
4.07%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
Money Market
4.00%
$1,000,000
▼
Rate—
Min Deposit$1,000,000
Min Balance—
UpdatedApr 11, 2026
Details
As High As; Qualifying balance up to $1,000,000.00
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Business Performance Plus Money Market Account
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Money Market Accounts
4.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
as high as
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Performance Plus Money Market
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
University of Virginia Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
MaxSaver Money Market Account
4.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Beacon Credit Union Incorporated
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
Money Market
4.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details
As High As
Beacon Credit Union Incorporated
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
Premier Money Market
4.00%
$100
▼
Rate3.93%
Min Deposit$100
Min Balance—
UpdatedApr 8, 2026
Details
LIMITED TIME OFFER; Beacon's Premier Money Market rate is only valid on new accounts for members who have not had an open consumer or business money market within the past 90 days. There is a $100 minimum deposit required to open the account and the account cannot be funded with deposit money that is already in a Beacon deposit account. Dividend applied is based upon the highest tier applicable to your average daily balance when monthly processing occurs. Rates are subject to change.
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
Commercial Money Market
4.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Beacon Credit Union Incorporated
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
Business Money Market
4.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details
Connects Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Money Market
3.81%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
Citizens Private Client® Money Market
3.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Qualifying balance up to $25,000.00
Freedom First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
Business Money Markets
3.75%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedApr 4, 2026
Details
Guaranteed for 3 Months
Everence Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.68%
Indexed money market
3.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
New money only
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Money Market (IRA)
3.75%
$0
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
New money only
Transit Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
Paramount Money Market
3.75%
$0
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
Citizens Quest® Money Market
3.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Qualifying balance up to $25,000.00
Fulton Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.98%
Promotional Money Market Account
3.55%
$10,000
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 11, 2026
Details
New money deposit of $10,000.
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
Commercial Money Market
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Qualifying balance up to $999,999.00
Presidential Bank
Institution Rating:
A5.0 ★ Texas Ratio: 9.69%
Money Market Advantage Checking
3.50%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedApr 11, 2026
Details
On Balances Between $25,000 and $250,000.
Beacon Credit Union Incorporated
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
Premier Money Market
3.50%
$100
▼
Rate3.44%
Min Deposit$100
Min Balance—
UpdatedApr 8, 2026
Details
LIMITED TIME OFFER; Beacon's Premier Money Market rate is only valid on new accounts for members who have not had an open consumer or business money market within the past 90 days. There is a $100 minimum deposit required to open the account and the account cannot be funded with deposit money that is already in a Beacon deposit account. Dividend applied is based upon the highest tier applicable to your average daily balance when monthly processing occurs. Rates are subject to change.
ABNB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.06%
ProBiz Money Market
3.50%
$1,000,000
▼
Rate3.44%
Min Deposit$1,000,000
Min Balance—
UpdatedApr 11, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
Premier Money Market
3.50%
$0
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Performance Plus Money Market
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
Pinnacle Money Market
3.25%
$2,500
▼
Rate3.20%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details
Freedom First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
Money Market
3.25%
$5,000
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedApr 4, 2026
Details
Guaranteed for 3 Months
Freedom First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
Indexed Business Money Markets16
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
Premier Money Market
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Business Performance Plus Money Market Account
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Money Market Plus Account
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Qualifying balance up to $1,000.00
Freedom Bank of Virginia
Institution Rating:
A5.0 ★ Texas Ratio: 7.40%
Money Market Account
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Money Market Plus
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Farmers & Merchants Bank VA
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
F&M Money Market
3.22%
$10
▼
Rate3.17%
Min Deposit$10
Min Balance—
UpdatedApr 2, 2026
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
Money Market Savings
3.20%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
On balances of $25,000+
Armed Forces Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
Premier Money Market
3.05%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
months
The Blue Grass Valley Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.06%
Money Market Account
3.04%
$2,500
▼
Rate3.00%
Min Deposit$2,500
Min Balance—
UpdatedApr 11, 2026
Details
Beacon Credit Union Incorporated
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
Premier Money Market
3.00%
$100
▼
Rate2.96%
Min Deposit$100
Min Balance—
UpdatedApr 8, 2026
Details
LIMITED TIME OFFER; Beacon's Premier Money Market rate is only valid on new accounts for members who have not had an open consumer or business money market within the past 90 days. There is a $100 minimum deposit required to open the account and the account cannot be funded with deposit money that is already in a Beacon deposit account. Dividend applied is based upon the highest tier applicable to your average daily balance when monthly processing occurs. Rates are subject to change.
ABNB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.06%
ProBiz Money Market
3.00%
$500,000
▼
Rate2.96%
Min Deposit$500,000
Min Balance—
UpdatedApr 11, 2026
Details
Freedom First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
Indexed Business Money Markets16
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Money Market Account
3.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
Money Market
3.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
Commercial Money Market
3.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Qualifying balance up to $499,999.00
Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
Platinum Money Market Savings
3.00%
$1,000,000
▼
Rate—
Min Deposit$1,000,000
Min Balance—
UpdatedApr 11, 2026
Details
Rate2.88%
Min Deposit$100
Min Balance—
UpdatedApr 11, 2026
Details
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Money Market Account
2.90%
$0
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
Pinnacle Money Market
2.85%
$2,500
▼
Rate2.81%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details
Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
Platinum Money Market Savings
2.80%
$250,000
▼
Rate—
Min Deposit$250,000
Min Balance—
UpdatedApr 11, 2026
Details
Rate—
Min Deposit$100
Min Balance—
UpdatedMar 27, 2026
Details
$5 monthly maintenance charge waived when minimum balance requirement is met
ValleyStar Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.99%
Performance Money Market (Business)
2.79%
$0
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details
ValleyStar Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.99%
Turbo High-Yield Savings Account (Consumer Money Market)
2.79%
$0
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details
The Blue Grass Valley Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.06%
Money Market Account to $199,999.99
2.78%
$0
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
$125,000.00
The Blue Grass Valley Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.06%
Money Market Account
2.78%
$2,500
▼
Rate2.75%
Min Deposit$2,500
Min Balance—
UpdatedApr 11, 2026
Details
Healthcare Systems Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
Money Market Account
2.75%
$0
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details
Transit Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
Paramount Money Market
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Farmers & Merchants Bank VA
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
F&M Money Market
2.70%
$10
▼
Rate2.67%
Min Deposit$10
Min Balance—
UpdatedApr 2, 2026
Details
PCB Pendleton Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.17%
Investment Plus Money Market
2.66%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Money Market Account
2.65%
$0
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
Farmers & Merchants Bank VA
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
F&M Money Market
2.65%
$10
▼
Rate2.62%
Min Deposit$10
Min Balance—
UpdatedApr 2, 2026
Details
Rate—
Min Deposit$100
Min Balance—
UpdatedMar 27, 2026
Details
$5 monthly maintenance charge waived when minimum balance requirement is met
Farmers & Merchants Bank VA
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
F&M Money Market
2.60%
$10
▼
Rate2.57%
Min Deposit$10
Min Balance—
UpdatedApr 2, 2026
Details
Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
Business Investment Money Market
2.58%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Dominion Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Wealth Maximizer Money Market Savings
2.55%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details
Dominion Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Money Market Savings
2.55%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details
Farmers & Merchants Bank VA
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
F&M Money Market
2.55%
$10
▼
Rate2.52%
Min Deposit$10
Min Balance—
UpdatedApr 2, 2026
Details
First National Bank VA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
Business Money Market
2.53%
$2,500
▼
Rate2.50%
Min Deposit$2,500
Min Balance—
UpdatedApr 11, 2026
Details
PCB Pendleton Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.17%
Investment Plus Money Market
2.46%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
EagleBank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
Eagle Money Market Account and up
2.33%
$0
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details
$500,000.00
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MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. Rates reflect recent market quotes and representative offers available to depositors in Fredericksburg, Virginia and the surrounding area.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Fredericksburg, VA Money Market Rate Trends
Compare local Fredericksburg, VA money market quotes against the statewide average
Daily money market rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
High-Yield MMA — VA Avg
2.957%
▲ 1.399 vs 7 days ago
Virginia high-yield MMA rates rose 1.399 points over the past 7 days to 2.957% APY.
Standard MMA — VA Avg
0.870%
▼ 0.368 vs 7 days ago
Virginia standard MMA rates fell 0.368 points over the past 7 days to 0.870% APY.
As of Apr 14, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Direct-Sourced & Verified Money Market Rate Data: We aggregate money market account rates for Fredericksburg, Virginia directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every money market rate displayed on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Fredericksburg, Virginia. We feature a comprehensive mix of institutions from neighborhood credit unions and mid-sized regional banks to large national institutions available to savers in VA.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update money market rates daily. Because MMA yields can fluctuate rapidly based on market conditions, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Money Market Accounts in Fredericksburg, Virginia
What is a Money Market Account (MMA)?
A Money Market Account (MMA) is a type of savings account that often pays higher interest rates than standard savings accounts. They usually come with check-writing privileges and debit card access, offering a balance of growth and liquidity for savers in Virginia.
Are Money Market accounts in Fredericksburg, Virginia safe?
Yes, as long as the institution is FDIC insured (for banks) or NCUA insured (for credit unions). This provides federal protection for your deposits in Virginia up to $250,000 per depositor, per institution.
How often do MMA rates change in Fredericksburg, Virginia?
Money market rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local Virginia rate tables daily to ensure you see the most current high-yield options.
Can I write checks from a Money Market Account?
Yes, most Money Market Accounts allow you to write a limited number of checks or make debit card transactions each month (typically up to 6), making them more flexible than a standard savings account.
Best Money Market Rates in Fredericksburg, Virginia
Here are some of the highest money market account APYs currently available in Fredericksburg, Virginia and the surrounding area:
- Marine Federal Credit Union
Choice Money Market — 4.07% APY - Apple Federal Credit Union
Money Market — 4.00% APY - 1st Advantage Federal Credit Union
Business Performance Plus Money Market Account — 4.00% APY - University of Virginia Community Credit Union
MaxSaver Money Market Account — 4.00% APY - Beacon Credit Union Incorporated
Business Money Market — 4.00% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Fredericksburg, Virginia. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: April 12, 2026
Rate Assistant
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