Harrisonburg, Virginia money market account rates range from 0.10% to 4.02% APY, verified by MonitorBankRates as of October 14, 2026. Current Harrisonburg, Virginia and the surrounding area money market deposit account rates include University of Virginia Community Credit UnionUniversity of Virginia Community Credit Union210 University Blvd, Harrisonburg, VA 22801A+5.0 ★Texas Ratio: 3.38%Real return: +1.22%APY minus 2.8% CPI (February 2026) MaxSaver Money Market Accounts (Savings, IRA, Coverdale ESA Accounts) at 4.02% APY, Everence Federal Credit UnionEverence Federal Credit Union841 Mount Clinton Pike STE B, Harrisonburg, VA 22802A+5.0 ★Texas Ratio: 4.82%Real return: +1.20%APY minus 2.8% CPI (February 2026) Indexed money market at 4.00% APY, Blue Ridge Bank National AssociationBlue Ridge Bank National Association563 Neff Ave, Harrisonburg, VA 22801A5.0 ★Texas Ratio: 8.11%Real return: +0.76%APY minus 2.8% CPI (February 2026) Business Money Market Account Special at 3.56% APY, Farmers & Merchants Bank VAFarmers & Merchants Bank VA2030 Legacy Ln, Harrisonburg, VA 22801A+5.0 ★Texas Ratio: 3.40%Real return: +0.42%APY minus 2.8% CPI (February 2026) F&M Money Market at 3.22% APY, and PCB Pendleton BankPCB Pendleton Bank2169 S Main St, Harrisonburg, VA 22801A5.0 ★Texas Ratio: 9.24%Real return: +0.01%APY minus 2.8% CPI (February 2026) Investment Plus Money Market at 2.81% APY. Money market rates as of October 14, 2026 according to verified data from MonitorBankRates.
Harrisonburg has 11 local institutions in our database, with money market rates as high as 4.02% APY from University of Virginia Community Credit Union at 210 University Blvd, Harrisonburg, VA 22801. Use the table below to compare all available offers, including options from institutions serving the broader Virginia area. Rates are continually updated, so we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Harrisonburg, Virginia and surrounding area. Last Updated and Verified: October 14, 2026
Published APY range: 4.0182% - 4.0000%. Balance: $0.01 - $2,000; Compounding: Monthly; Blended APY range
Balance: $50 to $2,500; Open with $25; minimum balance of $50 to earn the APY
Published APY range: 4.0000% - 3.3848%. Balance: $2,000.01- $5,000; Compounding: Monthly; Blended APY range on balances up to $1 million in this tier; Effective 9/01/2026
Published APY range: 4.0000% - 3.3848%. Balance: $2,000.01- $5,000; Compounding: Monthly; Blended APY range on balances up to $1 million in this tier; Effective 9/1/2026
Published APY range: 4.000% - 3.3848%. Balance: $2,000.01 - $5,000; Compounding: Monthly; Blended APY range
Balance: $100,000 and Greater; Promotional APY for new money only; promotional period runs 6 months from account opening; minimum balance to obtain promotional APY is $100,000.00; APY accurate as of 9/22/2026
Balance: $25,000 and Greater; Promotional APY for new money only; promotional period runs 12 months from account opening; minimum balance to obtain promotional APY stated as $1,000,000.00
Published APY range: 3.3848% - 2.6863%. Balance: $5,000.01- $10,000; Compounding: Monthly; Blended APY range on balances up to $1 million in this tier; Effective 9/01/2026
Published APY range: 3.3848% - 2.6863%. Balance: $5,000.01 - $10,000; Compounding: Monthly; Blended APY range
Balance: $1,500,000.00+; Balance to obtain APY: $10.00; Daily average $1,000 to avoid service charges; Monthly service charge: $10/month
Balance: $25,000.00 - $49,999.99; Minimum balance to obtain interest is $25,000; offer for new money not currently on deposit with Blue Ridge Bank; APY accurate as of 11/19/24
Balance: $250,000.00 and Greater; Offer is for new money not currently on deposit with Blue Ridge Bank
Balance: $50,000.00 - $249,999.99; Offer is for new money not currently on deposit with Blue Ridge Bank
Balance: $3,000,000.00 - $4,999,999.99; APY accurate as of 12/11/2025
Balance: $2,500.00; Minimum balance to open is $2,500.00; APY accurate and effective as of 12/11/2025
Balance: $1,000,000.00 & Above
Balance: $1,000,000.00 - $2,999,999.99; APY accurate as of 12/11/2025
Balance: Over $200,000; Requires monthly Electrum Checking activity
Qualifications Required; Balance: Over $200,000; Current as of 10/1/2026
Qualifications Required: Electrum checking account; 15 debit card purchases each month; $1,500 in direct deposits each month; Balance: Over $200,000; Balance ($1,500 minimum); Dividends paid monthly
Balance: $750,000-$1,499,999.99; Balance to obtain APY: $10.00; Daily average $1,000 to avoid service charges; Monthly service charge: $10/month
Balance: Over $100,000; Requires monthly Electrum Checking activity
Qualifications Required; Balance: Over $100,000; Current as of 10/1/2026
Qualifications Required: Electrum checking account; 15 debit card purchases each month; $1,500 in direct deposits each month; Balance: Over $100,000; Balance ($1,500 minimum); Dividends paid monthly
Published APY range: 2.6863% - 1.7354%. Balance: $10,000.01- $50,000; Compounding: Monthly; Blended APY range on balances up to $1 million in this tier; Effective 9/01/2026
Published APY range: 2.6863% - 1.7354%. Balance: $10,000.01 - $50,000; Compounding: Monthly; Blended APY range
Balance: $250,000.00-$749,999.99; Balance to obtain APY: $10.00; Daily average $1,000 to avoid service charges; Monthly service charge: $10/month
Balance: Over $75,000; Requires monthly Electrum Checking activity
Qualifications Required; Balance: Over $75,000; Current as of 10/1/2026
Qualifications Required: Electrum checking account; 15 debit card purchases each month; $1,500 in direct deposits each month; Balance: Over $75,000; Balance ($1,500 minimum); Dividends paid monthly
Balance: Over $25,000; Requires monthly Electrum Checking activity
Qualifications Required; Balance: Over $25,000; Current as of 10/1/2026
Qualifications Required: Electrum checking account; 15 debit card purchases each month; $1,500 in direct deposits each month; Balance: Over $25,000; Balance ($1,500 minimum); Dividends paid monthly
Balance: $500,000.00 - $999,999.99
Balance: $100,000 - $249,999.99; Balance to obtain APY: $10.00; Daily average $1,000 to avoid service charges; Monthly service charge: $10/month
Balance: Balances to $25,000; Requires monthly Electrum Checking activity
Qualifications Required; Balance: Balances to $25,000; Current as of 10/1/2026
Qualifications Required: Electrum checking account; 15 debit card purchases each month; $1,500 in direct deposits each month; Balance: Balances to $25,000; Balance ($1,500 minimum); Dividends paid monthly
Balance: $500,000.00 - $999,999.99; APY accurate as of 12/11/2025
Balance: $1,000.00-$99,999.99; Balance to obtain APY: $10.00; Daily average $1,000 to avoid service charges; Monthly service charge: $10/month
Balance: $250,000.00 - $499,999.99
Balance: $0.00 - $24,999.99; Limited time offer; requires minimum opening deposit of at least $25,000 in new money not currently on deposit with Atlantic Union Bank; $12 maintenance fee per statement cycle if daily balance falls below $2,500.00; not available for business accounts
Balance: $250,000.00 - $499,999.99; APY accurate as of 12/11/2025
Balance: $25,000.00 - $249,999.99
Balance: $100,000.00 - $249,999.99; APY accurate as of 12/11/2025
Balance: $100,000.00 and above
Balance: $2,500.01 to $100,000
Balance: Over $200,000; Requires monthly Electrum Checking activity
Qualifications Required; Balance: Over $200,000; Current as of 10/1/2026
Qualifications Required: Electrum checking account; 5 debit card purchases each month; $500 in direct deposits each month; Balance: Over $200,000; Balance ($1,500 minimum); Dividends paid monthly
Published APY range: 1.7354% - 1.4910%. Balance: $50,000.01- $100,000; Compounding: Monthly; Blended APY range on balances up to $1 million in this tier; Effective 9/01/2026
Published APY range: 1.7354% - 1.4910%. Balance: $50,000.01 - $100,000; Compounding: Monthly; Blended APY range
Balance: Over $100,000; Requires monthly Electrum Checking activity
Qualifications Required; Balance: Over $100,000; Current as of 10/1/2026
Qualifications Required: Electrum checking account; 5 debit card purchases each month; $500 in direct deposits each month; Balance: Over $100,000; Balance ($1,500 minimum); Dividends paid monthly
Balance: Over $75,000; Requires monthly Electrum Checking activity
Qualifications Required; Balance: Over $75,000; Current as of 10/1/2026
Qualifications Required: Electrum checking account; 5 debit card purchases each month; $500 in direct deposits each month; Balance: Over $75,000; Balance ($1,500 minimum); Dividends paid monthly
Balance: Equal to or greater than $25,000.00
Balance: Over $25,000; Requires monthly Electrum Checking activity
Qualifications Required; Balance: Over $25,000; Current as of 10/1/2026
Qualifications Required: Electrum checking account; 5 debit card purchases each month; $500 in direct deposits each month; Balance: Over $25,000; Balance ($1,500 minimum); Dividends paid monthly
Balance: Balances to $25,000; Requires monthly Electrum Checking activity
Qualifications Required; Balance: Balances to $25,000; Current as of 10/1/2026
Qualifications Required: Electrum checking account; 5 debit card purchases each month; $500 in direct deposits each month; Balance: Balances to $25,000; Balance ($1,500 minimum); Dividends paid monthly
Balance: $50,000.00 - $99,999.99; APY accurate as of 12/11/2025
Balance: $50,000.00 - $99,999.99
Published APY range: 1.4910% - 1.0495%. Balance: $100,000.01 & Above; Compounding: Monthly; Blended APY range on balances up to $1 million in this tier; Effective 9/01/2026
Published APY range: 1.4910% - 1.0495%. Balance: $100,000.01 and over; Compounding: Monthly; Blended APY range
Balance: Over $200,000; Dividends paid monthly; $1,500 minimum to open
Qualifications Required; Balance: Over $200,000; Current as of 10/1/2026
Qualifications Required: Electrum checking account; no mandatory monthly debit card purchases or direct deposits; Balance: Over $200,000; Balance ($1,500 minimum); Dividends paid monthly
Balance: Over $100,000; Dividends paid monthly; $1,500 minimum to open
Balance: $500,000 - $1 million +
Balance: $25,000.00 - $49,999.99; APY accurate as of 12/11/2025
Balance: $100,000.00 - $499,999.99
Balance: $25,000.00 - $99,999.99
Balance: $10,000.00 - $24,999.99
Balance: $250,000+
Balance: $2,500.00 - $9,999.99
Balance: $100,000 - $249,999.99
Transaction Limits: Limited
Balance: $25,000 - $99,999.99
Balance: $0.00 - $24,999.99; APY accurate as of 12/11/2025
Balance: Below $25,000.00
Balance: $0.00 - $24,999.99
Balance: $1,500.00 - $2,499.99
Special rate for new accounts opened today; variable, based on account balances, subject to change daily without notice
Balance: $25,000 - $500,000; Mail-in application
Balance: $25,000.00 - $250,000.00; 1.50% APY on higher balances; 0.10% APY on average daily balances under $25,000
Rhode Island rates; requires Citizens Private Client Checking account; preferred rates require a minimum of $25,000 of new money; $0 monthly maintenance fee with Citizens Private Client Checking; includes unlimited rebates on ATM fees charged by other banks; rates apply to new accounts and are variable
Rhode Island rates; requires Citizens Quest Checking account; preferred rates require a minimum of $25,000 of new money; $0 monthly maintenance fee with Citizens Quest Checking; rates apply to new accounts and are variable
Relationship balance of $250,000 required; account may be converted to Bright Business Savings if the relationship balance falls below $250,000
Balance: $200,000+
Compare local Harrisonburg, 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.
Virginia high-yield MMA rates fell 0.026 points over the past 7 days to 3.052% APY.
Virginia standard MMA rates fell 0.009 points over the past 7 days to 0.744% APY.
Money market rates move with Federal Reserve policy. Our model uses the current VA high-yield MMA average and a Fed funds spread to project the likely rate trajectory for 2026 to 2027.
Money market account rates are variable and move in close correlation with the Federal Reserve’s federal funds rate target. Our 12-month forecast is derived from the current VA high-yield money market average of 3.052% APY and a Fed funds spread model calibrated to the historical relationship between policy rate changes and deposit rate adjustments at banks and credit unions.
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; deposit rates at banks and credit unions track policy-rate changes within 60 to 90 days. High-yield money market rates tend to adjust faster than standard branch-based accounts.
Important notice: This forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions in Harrisonburg, Virginia.
Annual interest earnings at current VA average APYs, based on the high-yield and standard money market averages tracked in our database. Balances reflect the higher minimums typical of money market accounts. Compounding assumed monthly.
| Balance | HY Money Market (3.052% APY) | Monthly Earnings | Standard MMA (0.744% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $305.16 / year | $25.43 | $74.35 / year | $6.20 |
| $25,000 | $762.90 / year | $63.57 | $185.88 / year | $15.49 |
| $50,000 | $1,525.80 / year | $127.15 | $371.75 / year | $30.98 |
| $100,000 | $3,051.60 / year | $254.30 | $743.50 / year | $61.96 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, rate tier, and daily balance maintained. Rates are variable and subject to change. Source: Harrisonburg, Virginia money market rate averages as of October 14, 2026. | ||||
MonitorBankRates found 11 institutions with branches in Harrisonburg (7 banks, 4 credit unions), plus 25 additional state-chartered and national online institutions available to Harrisonburg residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: University of Virginia Community Credit Union offers a money market account at 4.02% APY with a minimum deposit of $5. Use the rate table above to compare all current offers in Harrisonburg, Virginia.
What to compare when shopping for a money market account in Harrisonburg, Virginia
To find the best money market APYs in Harrisonburg, Virginia, start with credit unions and online-only banks: Harrisonburg, Virginia has 22 credit unions in our database, and they consistently offer some of the highest yields because they are member-owned nonprofits with lower overhead than traditional banks.
Always compare the APY (Annual Percentage Yield), not just the interest rate, and pay close attention to balance tiers. Many money market accounts only pay their advertised top rate above a minimum balance of $1,000 to $25,000, with lower rates (or monthly fees) below that threshold. The current VA high-yield money market average is 3.052% but top local institutions are offering as high as 4.02%, so shopping around pays off.
Unlike a CD, money market rates are variable. Your rate can change at any time with Federal Reserve policy. Also check check-writing and debit card limits: most MMAs allow a set number of withdrawals per month, and exceeding the limit can trigger fees. Review your account periodically to ensure your APY remains competitive.
Local demographics and economic context for savers . Source: U.S. Census Bureau
10.5% of residents are 65 or older, below the national average of 17.3%; an unemployment rate of 6.8% (vs. 4.8% nationally) underscores the value of keeping liquid emergency savings. At today’s VA high-yield money market average of 3.052%, saving 10% of the local median salary ($2,285/year) would earn an additional $70 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
How money market deposit accounts compare to other deposit products available at banks and credit unions in Harrisonburg, Virginia.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current VA Avg APY | 3.052% | View Savings Rates | 0.744%(Standard MMA) | View CD Rates |
| Rate Type | Variable | Variable | Variable | Fixed for term |
| FDIC / NCUA Insured | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K |
| Withdraw Anytime | ✓ Yes | ✓ Yes | ✓ Yes | ✗ Penalty applies |
| Check Writing | ✓ Often yes | ✗ No | ✗ No | ✗ No |
| Debit / ATM Card | ✓ Often yes | Some institutions | ✗ Rarely | ✗ No |
| Typical Min Deposit | $0 to $2,500 | $0 to $100 | $25 to $100 | $500 to $1,000 |
| Rate Risk | Variable, moves with Fed policy | Variable, moves with Fed policy | Variable, moves with Fed policy | None, locked for term |
| Best For | Active savers wanting flexibility + check writing | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Locking in a rate for a defined period |
APY data reflects Harrisonburg, Virginia averages tracked in our database as of October 14, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
See how much a money market account can earn you. Enter your deposit, monthly contribution, and time frame, or click any current Harrisonburg, Virginia rate on the right to apply it instantly. Interest compounds monthly.
Assumes monthly compounding and a constant APY for the full period. Money market rates are variable and can change at any time, so actual earnings will differ. Estimates are for informational purposes only.
At VA’s top money market rate of 4.02% from University of Virginia Community Credit Union, a $10,000 deposit earns $402 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Harrisonburg, Virginia earner is roughly $5,700. At 3.052% APY in a money market account, saving $480/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. Liquid Deposit AccountVirginia’s high-yield money market average is 3.052% APY, variable, always accessible, and often with check-writing. A local CD may offer a higher fixed yield in exchange for locking in your deposit. Compare both side-by-side to find the better fit for your timeline.
Budget CalculatorBefore you can grow your savings, you need to know how much you can set aside each month. The median Harrisonburg, Virginia earner makes $22,856/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.052% APY.
Retirement PlannerA $25,000 money market balance earning 3.052% APY grows to roughly $45,607 over 20 years with compounding. See how your current savings trajectory lines up with your retirement income needs.
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Harrisonburg, Virginia money market rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Money Market Rate Data: We aggregate money market deposit account rates for Harrisonburg, 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 Harrisonburg, 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.