Best Money Market Rates in Lynchburg, Virginia - July 2026
Brian McKay
Brian McKay
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Current Lynchburg, Virginia and the surrounding area money market deposit account rates include Beacon Credit Union IncorporatedBeacon Credit Union Incorporated6320 Logans Ln, Lynchburg, VA 24502A+5.0 ★Texas Ratio: 1.82% Business Money Market at 4.00% APY, TruistTruist7901 Timberlake Rd, Lynchburg, VA 24502A+5.0 ★Texas Ratio: 3.63% Small Business Money Market Account at 4.00% APY, Member One Federal Credit UnionMember One Federal Credit Union7114 Timberlake Rd, Lynchburg, VA 24502 2335A+5.0 ★Texas Ratio: 4.86% Premium Plus Money Market at 2.60% APY, National Bank of BlacksburgNational Bank of Blacksburg20479 Timberlake Rd, Lynchburg, VA 24502A+5.0 ★Texas Ratio: 3.36% Business Money Market Deposit Account at 1.81% APY, and Carter Bank & TrustCarter Bank & Trust2018 Tate Springs Rd, Lynchburg, VA 24501F1.0 ★Texas Ratio: 96.15% Premium Money Market Account at 1.67% APY. Money market rates as of July 16, 2026 according to verified data from MonitorBankRates.
Lynchburg has 8 local institutions in our database, with money market rates as high as 4.00% APY from Beacon Credit Union Incorporated at 6320 Logans Ln, Lynchburg, VA 24502. 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 Lynchburg, Virginia and surrounding area. Last Updated and Verified: July 16, 2026
Compare the Best Money Market Rates Today in Lynchburg, Virginia & the Surrounding Area
Eligible clients can open a new Truist Business Money Market Account and earn up to 4.00% annual percentage yield (APY) for balances between $5,000 - $4,999,999.99.
Bring Your Business Money Market to Beacon
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. 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.
Lock in your rate
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. 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.
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. 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.
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. 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.
Tier based on monthly average daily balance. Average daily balance of $100.00 required for dividend. Service charges may reduce earnings. Rates are subject to change at any time without notice. No withdrawal limits. Dividend calculated and paid monthly. Dividend credited back to Money Market Savings account.
Tier based on monthly average daily balance. Average daily balance of $100.00 required for dividend. Service charges may reduce earnings. Rates are subject to change at any time without notice. No withdrawal limits. Dividend calculated and paid monthly. Dividend credited back to Money Market Savings account.
Balances equal to or over $100,000
Balances $50,000 to $99,999
Tier based on monthly average daily balance. Average daily balance of $100.00 required for dividend. Service charges may reduce earnings. Rates are subject to change at any time without notice. No withdrawal limits. Dividend calculated and paid monthly. Dividend credited back to Money Market Savings account.
Dividends Compounded: Monthly. The Beacon Business Tiered Money Market is a blended rate product. Members will earn the stated APY from each of the minimum balance points in each tier. Please contact Beacon Credit Union if you have any questions 1.800.868.6655.
Balances $25,000 to $49,999
Tier based on monthly average daily balance. Average daily balance of $100.00 required for dividend. Service charges may reduce earnings. Rates are subject to change at any time without notice. No withdrawal limits. Dividend calculated and paid monthly. Dividend credited back to Money Market Savings account.
Balances $2,500 to $24,999
Tier based on monthly average daily balance. Average daily balance of $100.00 required for dividend. Service charges may reduce earnings. Rates are subject to change at any time without notice. No withdrawal limits. Dividend calculated and paid monthly. Dividend credited back to Money Market Savings account.
Minimum balance to avoid service fee is $2,500. Dividends compounded and credited monthly. Rates subject to change without notice. Minimum deposit required to earn dividends varies, please speak to a member representative for more information.
Balances Below $2,500
Minimum balance to avoid service fee is $2,500. Dividends compounded and credited monthly. Rates subject to change without notice. Minimum deposit required to earn dividends varies, please speak to a member representative for more information.
Dividends Compounded: Monthly. The Beacon Business Tiered Money Market is a blended rate product. Members will earn the stated APY from each of the minimum balance points in each tier. Please contact Beacon Credit Union if you have any questions 1.800.868.6655.
Minimum balance to avoid service fee is $2,500. Dividends compounded and credited monthly. Rates subject to change without notice. Minimum deposit required to earn dividends varies, please speak to a member representative for more information.
Dividends Compounded: Monthly. The Beacon Business Tiered Money Market is a blended rate product. Members will earn the stated APY from each of the minimum balance points in each tier. Please contact Beacon Credit Union if you have any questions 1.800.868.6655.
The Beacon Horizon Tiered Money Market is a blended rate product. Members will earn the stated APY from each of the minimum balance points in each tier. Please contact Beacon Credit Union if you have any questions 1.800.868.6655.
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. 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.
Dividends Compounded: Monthly. The Beacon Business Tiered Money Market is a blended rate product. Members will earn the stated APY from each of the minimum balance points in each tier. Please contact Beacon Credit Union if you have any questions 1.800.868.6655.
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. 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.
Dividends Compounded: Monthly. The Beacon Business Tiered Money Market is a blended rate product. Members will earn the stated APY from each of the minimum balance points in each tier. Please contact Beacon Credit Union if you have any questions 1.800.868.6655.
Compounding: Monthly
APY = Annual Percentage Yield. The Performance Plus Money Market Account tier dividend rates and APY as of 6/22/2026 are subject to change daily. Dividends compounded monthly. Fees may reduce earnings. For additional information on your account please see your Membership & Account Agreement. For additional information about fees please see the Fee Schedule.
Minimum opening deposit for 4.00% is $1,000,000
As high as
Average Daily Balance required to earn dividends. The Money Market Account tier dividend rates and APY as of 6/22/2026 are subject to change daily. Dividends compounded monthly. Fees may reduce earnings. If you have any questions or require current rate information please call the credit union at 757-886-3333.
Balance range: $1,000,000 and over
$250,000; Dividends compounded: Monthly; Dividends credited: Monthly; Dividend period: Monthly; Minimum balance to receive dividend: $100.00; Balance method: Daily balance
On Balances Between $25,000 and $250,000. Earn 1.50% APY* on Higher Balances Earn 0.10% APY* on Average Daily Balances under $25,000.
Preferred rates; Must have a Citizens Private Client® Checking account; A minimum of $25,000 of new money is required to qualify for preferred rates.
Preferred rates; Requires a Citizens Quest® Checking account; A minimum of $25,000 of new money is required to qualify for preferred rates.
$200,000+
$125,000.00
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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.
Lynchburg, VA Money Market Rate Trends
Compare local Lynchburg, 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 currently average 3.277% APY.
Virginia standard MMA rates fell 0.010 points over the past 7 days to 0.803% APY.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Lynchburg, 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 Lynchburg, 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 Lynchburg, 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 Lynchburg, Virginia
What is a Money Market Account (MMA)?
Are Money Market accounts in Lynchburg, Virginia safe?
How often do MMA rates change in Lynchburg, Virginia?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Lynchburg, Virginia?
Best Money Market Rates in Lynchburg, Virginia
- Beacon Credit Union Incorporated
Business Money Market — 4.00% APY - Truist
Small Business Money Market Account — 4.00% APY - Member One Federal Credit Union
Premium Plus Money Market — 2.60% APY - National Bank of Blacksburg
Business Money Market Deposit Account — 1.81% APY - Carter Bank & Trust
Premium Money Market Account — 1.67% APY
