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Best Money Market Rates in Lynchburg, Virginia (VA) - April 2026

Content reviewed by
Brian McKay Brian McKay
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Editorial Disclosure 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.
| ✓Fact Checked | Last Updated: April 12, 2026

Current Lynchburg, 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, Beacon Credit Union IncorporatedBeacon Credit Union Incorporated6320 Logans Ln, Lynchburg, VA 24502A+5.0 ★Texas Ratio: 1.89% Business Money Market at 4.00% 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, and 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. Money market rates as of April 12, 2026 according to verified data from MonitorBankRates.

Lynchburg has 11 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: April 12, 2026

Compare the Best Money Market Rates Today in Lynchburg, Virginia & the Surrounding Area

Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Beacon Credit Union Incorporated
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
6320 Logans Ln, Lynchburg, VA 24502
Business Money Market
4.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

Beacon Credit Union Incorporated
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
6320 Logans Ln, Lynchburg, VA 24502
Money Market
4.00%
$0
View
▼
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%
6320 Logans Ln, Lynchburg, VA 24502
Premier Money Market
4.00%
$100
View
▼
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.

Freedom First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
2102 Langhorne RD, Lynchburg, VA 24501
Business Money Markets
3.75%
$25,000
View
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedApr 4, 2026
Details

Guaranteed for 3 Months

Beacon Credit Union Incorporated
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
6320 Logans Ln, Lynchburg, VA 24502
Premier Money Market
3.50%
$100
View
▼
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.

Freedom First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
2102 Langhorne RD, Lynchburg, VA 24501
Indexed Business Money Markets16
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Freedom First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
2102 Langhorne RD, Lynchburg, VA 24501
Money Market
3.25%
$5,000
View
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedApr 4, 2026
Details

Guaranteed for 3 Months

Beacon Credit Union Incorporated
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
6320 Logans Ln, Lynchburg, VA 24502
Premier Money Market
3.00%
$100
View
▼
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.

Freedom First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
2102 Langhorne RD, Lynchburg, VA 24501
Indexed Business Money Markets16
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

First National Bank VA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
14580 Wards Rd, Lynchburg, VA 24502
Business Money Market
2.53%
$2,500
View
▼
Rate2.50%
Min Deposit$2,500
Min Balance—
UpdatedApr 11, 2026
Details

Atlantic Union Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
1646 Graves Mill Rd, Lynchburg, VA 24502
Performance Money Market
2.25%
$0
View
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

First National Bank VA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
14580 Wards Rd, Lynchburg, VA 24502
Business Money Market
2.02%
$2,500
View
▼
Rate2.00%
Min Deposit$2,500
Min Balance—
UpdatedApr 11, 2026
Details

National Bank of Blacksburg
Institution Rating:
A+5.0 ★ Texas Ratio: 3.36%
20479 Timberlake Rd, Lynchburg, VA 24502
Business Money Market Deposit Account
1.81%
$0
View
▼
Rate1.80%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

National Bank of Blacksburg
Institution Rating:
A+5.0 ★ Texas Ratio: 3.36%
20479 Timberlake Rd, Lynchburg, VA 24502
Money Market Deposit Account
1.71%
$0
View
▼
Rate1.70%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Carter Bank & Trust
Institution Rating:
F1.0 ★ Texas Ratio: 96.15%
2018 Tate Springs Rd, Lynchburg, VA 24501
Premium Money Market Account
1.67%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

First National Bank VA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
14580 Wards Rd, Lynchburg, VA 24502
Money Market IRA
1.51%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

First National Bank VA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
14580 Wards Rd, Lynchburg, VA 24502
Business Money Market
1.51%
$2,500
View
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedApr 11, 2026
Details

First National Bank VA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
14580 Wards Rd, Lynchburg, VA 24502
Money Market
1.51%
$2,500
View
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 11, 2026
Details

First National Bank VA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
14580 Wards Rd, Lynchburg, VA 24502
Money Market
1.26%
$2,500
View
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 11, 2026
Details

Qualifying balance up to $499,999.99

First National Bank VA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
14580 Wards Rd, Lynchburg, VA 24502
Money Market IRA
1.26%
$0
View
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Farmers Bank of Appomattox
Institution Rating:
A+5.0 ★ Texas Ratio: 5.70%
8112 Timberlake Road, Lynchburg, VA 24502
Money Market Account
1.25%
$100
View
▼
Rate1.25%
Min Deposit$100
Min Balance—
UpdatedApr 11, 2026
Details

$100 Minimum Opening Deposit, minimum average daily balance of $1,00.00 to obtain the disclosed annual percentage yield. Interest paid on four tier levels

National Bank of Blacksburg
Institution Rating:
A+5.0 ★ Texas Ratio: 3.36%
20479 Timberlake Rd, Lynchburg, VA 24502
Business Money Market Deposit Account
1.16%
$0
View
▼
Rate1.15%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

National Bank of Blacksburg
Institution Rating:
A+5.0 ★ Texas Ratio: 3.36%
20479 Timberlake Rd, Lynchburg, VA 24502
Money Market Deposit Account
1.06%
$0
View
▼
Rate1.05%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

First National Bank VA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
14580 Wards Rd, Lynchburg, VA 24502
Business Money Market
1.01%
$2,500
View
▼
Rate1.00%
Min Deposit$2,500
Min Balance—
UpdatedApr 11, 2026
Details

Qualifying balance up to $99,999.99

First National Bank VA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
14580 Wards Rd, Lynchburg, VA 24502
Money Market IRA
1.01%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

First National Bank VA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
14580 Wards Rd, Lynchburg, VA 24502
Money Market
1.01%
$2,500
View
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 11, 2026
Details

Qualifying balance up to $99,999.99

First National Bank VA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
14580 Wards Rd, Lynchburg, VA 24502
First Index Money Market
0.99%
$1,000
View
▼
Rate0.99%
Min Deposit$1,000
Min Balance—
UpdatedApr 11, 2026
Details

National Bank of Blacksburg
Institution Rating:
A+5.0 ★ Texas Ratio: 3.36%
20479 Timberlake Rd, Lynchburg, VA 24502
Money Market Deposit Account
0.92%
$0
View
▼
Rate0.92%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

National Bank of Blacksburg
Institution Rating:
A+5.0 ★ Texas Ratio: 3.36%
20479 Timberlake Rd, Lynchburg, VA 24502
Business Money Market Deposit Account
0.91%
$0
View
▼
Rate0.91%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Marine Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.48%
Choice Money Market
4.07%
$0
View
▼
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
View
▼
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%
Money Market Accounts
4.00%
$0
View
▼
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
View
▼
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
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
Commercial Money Market
4.00%
$0
View
▼
Rate—
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
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Connects Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.74%
Money Market
3.81%
$0
View
▼
Rate—
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
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Qualifying balance up to $25,000.00

Transit Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
Paramount Money Market
3.75%
$0
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Everence Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.68%
Indexed money market
3.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Money Market
3.75%
$0
View
▼
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
View
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

New money only

Citizens Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.28%
Citizens Private Client® Money Market
3.75%
$0
View
▼
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
View
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 11, 2026
Details

New money deposit of $10,000.

Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
Premier Money Market
3.50%
$0
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Presidential Bank
Institution Rating:
A5.0 ★ Texas Ratio: 9.69%
Money Market Advantage Checking
3.50%
$25,000
View
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedApr 11, 2026
Details

On Balances Between $25,000 and $250,000.

Apple Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
Commercial Money Market
3.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Qualifying balance up to $999,999.00

ABNB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.06%
ProBiz Money Market
3.50%
$1,000,000
View
▼
Rate3.44%
Min Deposit$1,000,000
Min Balance—
UpdatedApr 11, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Money Market Special
3.50%
$0
View
▼
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%
Money Market Special Intro rate
3.50%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

$15,000+

Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
Pinnacle Money Market
3.25%
$2,500
View
▼
Rate3.20%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Money Market Plus Account
3.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Qualifying balance up to $1,000.00

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Money Market Plus
3.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
Premier Money Market
3.25%
$0
View
▼
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%
Performance Plus Money Market
3.25%
$0
View
▼
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
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Citizens and Farmers Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
Community Money Market Savings
3.25%
$25,000
View
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMar 25, 2026
Details

Limited time offer for non-profit business (defined as 501c3) entities only.

Freedom Bank of Virginia
Institution Rating:
A5.0 ★ Texas Ratio: 7.40%
Money Market Account
3.25%
$0
View
▼
Rate—
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
3.22%
$10
View
▼
Rate3.17%
Min Deposit$10
Min Balance—
UpdatedApr 2, 2026
Details

Blue Ridge Bank National Association
Institution Rating:
F2.8 ★ Texas Ratio: 41.42%
Business Money Market
3.22%
$0
View
▼
Rate3.17%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

Blue Ridge Bank National Association
Institution Rating:
F2.8 ★ Texas Ratio: 41.42%
Signature Money Market
3.20%
$0
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

Blue Ridge Bank National Association
Institution Rating:
F2.8 ★ Texas Ratio: 41.42%
Platinum Money Market
3.20%
$0
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
Money Market Savings
3.20%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

On balances of $25,000+

Blue Ridge Bank National Association
Institution Rating:
F2.8 ★ Texas Ratio: 41.42%
Municipal Money Market
3.07%
$0
View
▼
Rate3.03%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

Blue Ridge Bank National Association
Institution Rating:
F2.8 ★ Texas Ratio: 41.42%
Signature Money Market
3.05%
$0
View
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

Armed Forces Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
Premier Money Market
3.05%
$0
View
▼
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
View
▼
Rate3.00%
Min Deposit$2,500
Min Balance—
UpdatedApr 11, 2026
Details

ABNB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.06%
ProBiz Money Market
3.00%
$500,000
View
▼
Rate2.96%
Min Deposit$500,000
Min Balance—
UpdatedApr 11, 2026
Details

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Money Market Account
3.00%
$0
View
▼
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
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
Platinum Money Market Savings
3.00%
$1,000,000
View
▼
Rate—
Min Deposit$1,000,000
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
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Qualifying balance up to $499,999.00

Blue Ridge Bank National Association
Institution Rating:
F2.8 ★ Texas Ratio: 41.42%
Business Money Market
2.97%
$0
View
▼
Rate2.93%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

Chain Bridge Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Money Market IRA
2.92%
$100
View
▼
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
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Blue Ridge Bank National Association
Institution Rating:
F2.8 ★ Texas Ratio: 41.42%
Golden Advantage Money Market
2.87%
$0
View
▼
Rate2.83%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
Pinnacle Money Market
2.85%
$2,500
View
▼
Rate2.81%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details

Blue Ridge Bank National Association
Institution Rating:
F2.8 ★ Texas Ratio: 41.42%
Municipal Money Market
2.82%
$0
View
▼
Rate2.78%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

Hanmi Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
Simple Money Market
2.80%
$100
View
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedMar 27, 2026
Details

$5 monthly maintenance charge waived when minimum balance requirement is met

Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
Platinum Money Market Savings
2.80%
$250,000
View
▼
Rate—
Min Deposit$250,000
Min Balance—
UpdatedApr 11, 2026
Details

ValleyStar Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.99%
Performance Money Market (Business)
2.79%
$0
View
▼
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
View
▼
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
2.78%
$2,500
View
▼
Rate2.75%
Min Deposit$2,500
Min Balance—
UpdatedApr 11, 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
View
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

$125,000.00

Blue Ridge Bank National Association
Institution Rating:
F2.8 ★ Texas Ratio: 41.42%
Business Money Market
2.77%
$0
View
▼
Rate2.73%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

Transit Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
Paramount Money Market
2.75%
$0
View
▼
Rate2.72%
Min Deposit$0
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
View
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Farmers & Merchants Bank VA
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
F&M Money Market
2.70%
$10
View
▼
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
View
▼
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
View
▼
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
View
▼
Rate2.62%
Min Deposit$10
Min Balance—
UpdatedApr 2, 2026
Details

Blue Ridge Bank National Association
Institution Rating:
F2.8 ★ Texas Ratio: 41.42%
Municipal Money Market
2.62%
$0
View
▼
Rate2.58%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

Farmers & Merchants Bank VA
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
F&M Money Market
2.60%
$10
View
▼
Rate2.57%
Min Deposit$10
Min Balance—
UpdatedApr 2, 2026
Details

Hanmi Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
Simple Money Market
2.60%
$100
View
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedMar 27, 2026
Details

$5 monthly maintenance charge waived when minimum balance requirement is met

Virginia Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.74%
Premium Plus Money Market
2.60%
$25,000
View
▼
Rate2.57%
Min Deposit$25,000
Min Balance—
UpdatedApr 8, 2026
Details

Park View Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
Business Investment Money Market
2.58%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Blue Ridge Bank National Association
Institution Rating:
F2.8 ★ Texas Ratio: 41.42%
Business Money Market
2.57%
$0
View
▼
Rate2.54%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

Farmers & Merchants Bank VA
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
F&M Money Market
2.55%
$10
View
▼
Rate2.52%
Min Deposit$10
Min Balance—
UpdatedApr 2, 2026
Details

Dominion Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Money Market Savings
2.55%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

Dominion Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Wealth Maximizer Money Market Savings
2.55%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

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 Lynchburg, 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.

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.

View Full Virginia MMA Trends →
High-Yield MMA — VA Avg
1.559%
▼ 1.090 vs 7 days ago

Virginia high-yield MMA rates fell 1.090 points over the past 7 days to 1.559% APY.

Standard MMA — VA Avg
1.238%
▲ 0.032 vs 7 days ago

Virginia standard MMA rates rose 0.032 points over the past 7 days to 1.238% APY.

As of Apr 12, 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 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)?

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 Lynchburg, 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 Lynchburg, 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 Lynchburg, Virginia

Here are some of the highest money market account APYs currently available in Lynchburg, Virginia and the surrounding area:
  • Marine Federal Credit Union
    Choice Money Market — 4.07% APY
  • Beacon Credit Union Incorporated
    Business Money Market — 4.00% 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
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Lynchburg, Virginia. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: April 12, 2026

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