Withams, Virginia Money Market Rates - October 2026
Brian McKay
Brian McKay
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Withams, Virginia money market account rates from banks and credit unions serving Virginia range from 2.02% to 4.02% APY, verified by MonitorBankRates as of October 14, 2026. Current Withams, Virginia and the surrounding area money market deposit account rates include University of Virginia Community Credit UnionUniversity of Virginia Community Credit UnionA+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, Chartway Credit UnionChartway Credit UnionA5.0 ★Texas Ratio: 10.30%Real return: +1.20%APY minus 2.8% CPI (February 2026) Money Market Plus at 4.00% APY, Apple Federal Credit UnionApple Federal Credit UnionA+5.0 ★Texas Ratio: 2.85%Real return: +1.20%APY minus 2.8% CPI (February 2026) Commercial Money Market Account at 4.00% APY, 1st Advantage Federal Credit Union1st Advantage Federal Credit UnionA+5.0 ★Texas Ratio: 1.89%Real return: +1.20%APY minus 2.8% CPI (February 2026) Business Performance Plus Money Market at 4.00% APY, and Everence Federal Credit UnionEverence Federal Credit UnionA+5.0 ★Texas Ratio: 4.82%Real return: +1.20%APY minus 2.8% CPI (February 2026) Indexed money market at 4.00% APY. Money market rates as of October 14, 2026 according to verified data from MonitorBankRates.
Withams is a smaller community with no bank or credit union branches currently in our database. 150 institutions serving the Virginia area are available to Withams residents, with money market rates as high as 4.02% APY from University of Virginia Community Credit Union. Rates are continually updated, so we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Withams, Virginia and surrounding area. Last Updated and Verified: October 14, 2026
Compare the Best Money Market Rates Today in Withams, Virginia & the Surrounding Area
Published APY range: 4.0182% - 4.0000%. Balance: $0.01 - $2,000; Compounding: Monthly; Blended APY range
- Oct 13, 20264.02%▲ from 4.02%
- Sep 18, 20264.02%▼ from 4.02%
- Sep 14, 20264.02%first recorded
Balance: $1,000,000 and over; Includes 0.25% APY Relationship Bonus (requires personal or business checking and $10,000 ADB in Money Market Plus)
Balance: $1,000,000 and over; Compounded: Monthly
Balance: $1,000,000 and up; Average Daily Balance required to earn dividends
Balance: $1,000,000 and Up
Balance: $50 to $2,500; Open with $25; minimum balance of $50 to earn the APY
- Oct 4, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
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
- Oct 13, 20264.00%▲ from 2.96%
- Oct 9, 20262.96%first recorded
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
- Oct 13, 20264.00%▲ from 2.96%
- Oct 9, 20262.96%▼ from 3.39%
- Sep 22, 20263.39%▲ from 2.96%
- Sep 18, 20262.96%▼ from 4.00%
Published APY range: 4.000% - 3.3848%. Balance: $2,000.01 - $5,000; Compounding: Monthly; Blended APY range
Balance: $500,000.00 & Greater; Limited Time Offer; Tier 6; New accounts only for members without an open consumer or business money market in past 90 days; cannot be funded with existing Beacon deposit money; Dividends compounded monthly
Balance: $500,000.00 and over; Limited Time Offer; Dividends Compounded: Monthly
Balance: $250,000.00 and up; Dividends compounded monthly; Dividends credited monthly; Minimum balance to receive dividend $100.00; Balance method: Daily balance
$25,000; Balance: $25,000 minimum
Balance: $500,000 - $999,999; Includes 0.25% APY Relationship Bonus (requires personal or business checking and $10,000 ADB in Money Market Plus)
Balance: $200,000.00+
Balance: $100,000 & above; New money only; Minimum opening new money deposit is $100,000
- Oct 9, 20263.75%▲ from 1.51%
- Oct 5, 20261.51%first recorded
Balance: $1,000,000+
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
- Oct 2, 20263.56%▲ from 3.56%
- Sep 27, 20263.56%▲ from 3.30%
- Sep 18, 20263.30%first recorded
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
- Oct 2, 20263.56%▲ from 3.56%
- Sep 27, 20263.56%▲ from 3.30%
- Sep 18, 20263.30%first recorded
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
- Oct 7, 20263.50%▲ from 1.50%
- Sep 27, 20261.50%first recorded
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
Balance: $500,000 to $999,999; Compounded: Monthly
Balance: over $5,000.00; $10 fee applies monthly if balance falls below stated minimum
Balance: $500,000 - $999,999.99; Premier Checking required to open the Premier Money Market
Balance: $1,000,000 and above
For qualified members only; Balance: over $500,000
Balance: $100,000 and over; New money only; Minimum opening new money deposit is $100,000; Money Market Account interest is compounded daily and paid monthly
- Oct 13, 20263.50%▼ from 3.75%
- Oct 9, 20263.75%▲ from 1.51%
- Oct 5, 20261.51%first recorded
Balance: $100,000.00 - $499,999.99; Limited Time Offer; Tier 5; New accounts only for members without an open consumer or business money market in past 90 days; cannot be funded with existing Beacon deposit money; Dividends compounded monthly
Balance: $100,000.00 - $499,999.99; Limited Time Offer; Dividends Compounded: Monthly
Intro rate; Balance: $15,000+
- Oct 10, 20263.50%▲ from 1.25%
- Sep 14, 20261.25%first recorded
Relationship balance of $250,000 required; account may be converted to Bright Business Savings if the relationship balance falls below $250,000
$2,500; Balance: $250,000 and over
- Sep 27, 20263.45%▲ from 3.25%
- Sep 15, 20263.25%first recorded
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
- Oct 13, 20263.38%▲ from 1.98%
- Oct 9, 20261.98%▼ from 3.39%
- Sep 14, 20263.39%first recorded
Published APY range: 3.3848% - 2.6863%. Balance: $5,000.01 - $10,000; Compounding: Monthly; Blended APY range
- Oct 13, 20263.38%▼ from 3.39%
- Sep 18, 20263.39%▼ from 3.39%
- Sep 14, 20263.39%first recorded
Balance: $240,000 and over; Tier 3; Indexed to 90-day U.S. Treasury bill
Balance: $250,000 minimum
- Sep 27, 20263.25%▲ from 3.00%
- Sep 18, 20263.00%first recorded
- Sep 27, 20263.25%▲ from 3.00%
- Sep 24, 20263.00%first recorded
Balance: $500,000 - $999,999.99; Average Daily Balance required to earn dividends
Balance: $500,000.00 - $999,999.99
Balance: $100,000 - $249,999.99; Premier Checking required to open the Premier Money Market
Balance: $150,000+
Balance: $25,000+
- Oct 13, 20263.25%▲ from 3.10%
- Sep 14, 20263.10%first recorded
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
$2,500; Balance: $100,000 - $249,999.99
- Sep 27, 20263.20%▲ from 3.00%
- Sep 15, 20263.00%first recorded
$2,500; Balance: $100,000
- Sep 27, 20263.20%▲ from 3.00%
- Sep 15, 20263.00%first recorded
Balance: $65,000 - $239,999.99; Tier 2; Indexed to 90-day U.S. Treasury bill
Balance: $50,000.00 - $249,999.99; Offer is for new money not currently on deposit with Blue Ridge Bank
Balance: $200,000+
Balance: $50,000 and over; Dividend rate based on U.S. Prime Rate as published in the Wall Street Journal, minus 4.00%
- Oct 5, 20263.04%▲ from 2.79%
- Sep 14, 20262.79%first recorded
Balance: $15,000 and over; Dividend rate based on U.S. Prime Rate (WSJ) minus 4.00%
- Oct 5, 20263.04%▲ from 2.79%
- Sep 14, 20262.79%first recorded
$2,500; Balance: $75,000 - $99,999.99
- Sep 27, 20263.00%▲ from 2.81%
- Sep 15, 20262.81%first recorded
$2,500; Balance: $75,000
- Sep 27, 20263.00%▲ from 2.81%
- Sep 15, 20262.81%first recorded
Balance: $250,000 to $499,999; Compounded: Monthly
Balance: $1,000,000 or more; Compounded: Monthly
Balance: $500,000.00 - $999,999.99
Tier #1; Balance: $0 to $2,499
Balance: $1,000,000+
Balance: $50,000.00 - $99,999.99; Limited Time Offer; Tier 4; New accounts only for members without an open consumer or business money market in past 90 days; cannot be funded with existing Beacon deposit money; Dividends compounded monthly
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
- Sep 24, 20262.81%▲ from 2.66%
- Sep 14, 20262.66%first recorded
Balance: $100,000 +; $5 monthly maintenance charge waived when minimum balance requirement is met
Balance: $125,000.00 - $199,999.99
Balance: $1,000,000.00 - $2,999,999.99; APY accurate as of 12/11/2025
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: $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: $500,000.00 - $999,999.99
- Sep 24, 20262.61%▲ from 2.46%
- Sep 14, 20262.46%first recorded
Balance: $10,000 - $99,999.99; $5 monthly maintenance charge waived when minimum balance requirement is met
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: $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: $500,000.00 and up
- Oct 14, 20262.48%▲ from 2.33%
- Sep 24, 20262.33%first recorded
Balance: $250,000.00 - $499,999.99
- Sep 24, 20262.43%▲ from 2.28%
- Sep 14, 20262.28%first recorded
Balance: $250,000.00 - $499,999.99
- Oct 14, 20262.28%▲ from 2.13%
- Sep 24, 20262.13%first recorded
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: $0.00 - $249,999.99
- Oct 14, 20262.18%▲ from 2.03%
- Sep 24, 20262.03%first recorded
Balance: $25,000.00 - $249,999.99
- Sep 24, 20262.15%▲ from 2.05%
- Sep 14, 20262.05%first recorded
Balance: $100,000.00 - $249,999.99; APY accurate as of 12/11/2025
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.
Withams, VA Money Market Rate Trends
Compare local Withams, 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.
Withams, Virginia Money Market Rate Forecast, Next 12 Months
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 Withams, Virginia.
Money Market Account Earnings in Withams, 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: Withams, Virginia money market rate averages as of October 14, 2026. | ||||
Available in Withams, Virginia Area
About Our Withams, Virginia Money Market Rate Database
MonitorBankRates tracks money market rate offers from 48 banks and credit unions available to Withams, Virginia residents via statewide and national offers. No branch locations physically in Withams are currently in our database, but all listed offers are open to Withams depositors. 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 Withams, Virginia.
How to Find the Best Money Market Rates in Withams, Virginia
What to compare when shopping for a money market account in Withams, Virginia
To find the best money market APYs in Withams, Virginia, start with credit unions and online-only banks: Withams, Virginia has 35 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.
When a Money Market Account Makes Sense
- Emergency fund with flexibility: You get savings-level yields plus limited check-writing and debit access. Withams, Virginia high-yield money market rates currently average 3.052% APY, far above a typical checking account.
- Larger balances ($10,000+): Many MMAs pay tiered rates that rise with your balance, so bigger deposits often earn more than they would in a standard savings account.
- Parking cash between investments: A high-yield money market account at Withams, Virginia institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 48 institutions in Withams, Virginia report money market rates to our database.
- No rate lock-in risk: Unlike a CD, your rate moves up with the market if rates rise further.
Consider an Alternative If…
- You want a locked-in, guaranteed return Withams, Virginia CD rates
- You don’t need check writing and want a lower minimum Withams, Virginia savings rates
- You need daily transaction access Withams, Virginia checking rates
Virginia Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau (state-level data shown; city data not available)
16.7% of residents are 65 or older, below the national average of 17.3%. At today’s VA high-yield money market average of 3.052%, saving 10% of the local median salary ($5,112/year) would earn an additional $156 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Withams, Virginia Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Withams, 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 Withams, 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.
Withams, Virginia Money Market Account Calculator
See how much a money market account can earn you. Enter your deposit, monthly contribution, and time frame, or click any current Withams, 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.
Money Market & Savings Calculators for Withams, Virginia
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 Withams, Virginia earner is roughly $12,800. At 3.052% APY in a money market account, saving $1,070/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 Withams, Virginia earner makes $51,121/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.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Withams, 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 Withams, 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 Withams, 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 Withams, Virginia
What is a Money Market Account (MMA)?
Are Money Market accounts in Withams, Virginia safe?
How often do MMA rates change in Withams, Virginia?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Withams, Virginia?
Can I lose money in a Money Market Account?
What is the difference between a Money Market Account and a Money Market Fund?
Do I have to pay taxes on money market account interest?
Are online banks better than local banks in Withams, Virginia for money market accounts?
Best Money Market Rates in Withams, Virginia
- University of Virginia Community Credit Union
MaxSaver Money Market Accounts (Savings, IRA, Coverdale ESA Accounts): 4.02% APY - Chartway Credit Union
Money Market Plus: 4.00% APY - Apple Federal Credit Union
Commercial Money Market Account: 4.00% APY - 1st Advantage Federal Credit Union
Business Performance Plus Money Market: 4.00% APY - Everence Federal Credit Union
Indexed money market: 4.00% APY
Withams, Virginia Rates & Resources
