Pungoteague, Virginia Savings Rates for October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Pungoteague, Virginia savings account rates range from 1.35% to 6.00% APY, verified by MonitorBankRates as of October 31, 2026. The best savings rates for Pungoteague, Virginia and the surrounding area include Call Federal Credit UnionCall Federal Credit UnionA+5.0 ★Texas Ratio: 2.74%Real return: +2.30%APY minus 3.7% CPIRate verified Oct 29, 2026 Youth Savings Account at 6.00% APY, Apple Federal Credit UnionApple Federal Credit UnionA+5.0 ★Texas Ratio: 2.85%Real return: +1.30%APY minus 3.7% CPIRate verified Oct 31, 2026 Coverdell ESA Share at 5.00% APY, Andrews Federal Credit UnionAndrews Federal Credit UnionA5.0 ★Texas Ratio: 10.28%Real return: +1.30%APY minus 3.7% CPIRate verified Oct 31, 2026 Mission Savings Account at 5.00% APY, General Electric Employees Federal Credit UnionGeneral Electric Employees Federal Credit UnionA5.0 ★Texas Ratio: 8.00%Real return: +1.30%APY minus 3.7% CPIRate verified Oct 28, 2026 Jump Start Savings at 5.00% APY, and Everence Federal Credit UnionEverence Federal Credit UnionA+5.0 ★Texas Ratio: 4.82%Real return: +1.30%APY minus 3.7% CPIRate verified Oct 29, 2026 Youth savings at 5.00% APY.
Pungoteague is a smaller community with no bank or credit union branches currently in our database. 75 institutions serving the Virginia area are available to Pungoteague residents, with savings rates as high as 6.00% APY from Call Federal Credit Union. Rates are continually updated, so we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Pungoteague, Virginia and the surrounding area. Last Updated and Verified: October 31, 2026
Compare the Best Savings Rates in Pungoteague, Virginia & Surrounding Communities
Balance: $0.01 - $1,000.00; Must be 17 years old or younger to open with a parent or legal guardian; balance transfers to a Primary Savings Account after 18th birthday
Published APY range: 5.88% to 5.99%. Balance: $1,000.01 - $1,044.68; Must be 17 years old or younger to open with a parent or legal guardian; balance transfers to a Primary Savings Account after 18th birthday
up to $19999; Balance: up to $19,999.00; Compounded: Monthly
Qualifying balance up to $5,000.00; Online Only
Balance: $1,000 and under; Primary Account holder must be 17 years of age or younger; Rate applies to balances up to $1,000; any amount over $1,000 earns the current Share Savings rate
Balance: Up to $1,000.00; Youth savings account for kids under 18
Applies only on first $500 deposited; member age 19 or younger; parent or legal guardian joint on account for minors; at age 20 balance transfers to prime share account; deposits over $500 earn regular share savings rate
Up to 5.00% APY; Dividends credited Monthly
Balance: $0.00 - $500.00; Must be under 25 years of age; minimum monthly deposits of at least $10 required to earn dividend rate/APY
Balance: $100.00 - $5,000.99; APY dividend of 5.00% earned on balances $100.00 to $5,000.99; balances $5,001.00 and above earn 0.20% APY; requires open checking account under the same membership number; must be 22 years or older; one per Social Security or Taxpayer Identification Number; rates subject to change without notice after account opening
Balance: $0.00 - $2,499.99; Promotional APY of 5.00% applies during the first 6 months to the first tier up to $2,499.99; Limited to personal accounts; one account per member
Citigold Private Client Relationship Tier (Combined Average Monthly Balance of $1,000,000+); Balance: All balance ranges
Published APY range: 4.0182% - 4.0000%. Balance: $0.01 - $2,000; Compounding: Monthly
- Oct 29, 20264.02%▼ from 4.02%
- Oct 26, 20264.02%▼ from 4.02%
- Oct 19, 20264.02%first recorded
Savings Accounts
- Sep 27, 20264.00%▲ from 3.70%
- Sep 24, 20263.70%first recorded
Balance tier: $.01
Qualifications Required; Balance: $0.00 - $25,000.00; Balance up to $25,000.00 earns 4.00% APY when the accountholder has direct deposit(s) of at least $500.00 to a Freedom Direct, Justice National, Beyond the Badge or Student checking account during a month; balances over $25,000 earn 0.150% APY and balances in months when qualifications are not met earn the standard Share Savings APY starting at 0.100% (not extracted as separate rows)
Balance: $1,000.01 - $10,000.00
Published APY range: 4.000% - 3.3848%. Balance: $2,000.01 - $5,000; Compounding: Monthly
Effective Date: October 1, 2026
Requires Advantage Checking Account; Earn 3.75% APY on daily balances
Balance: $5,000 and over
- Oct 14, 20263.75%▲ from 0.25%
- Sep 24, 20260.25%first recorded
Qualifications Required; Balance: Up to $25,000; Tiered Rate account; limit one withdrawal per month; dividends compound monthly
Early withdrawal penalties apply; Business accounts must be opened by Alero Financial staff
Balance: next $250,000.00 - $99,999,999.99; Tiered-rate account; Member must maintain at least $50,000 to earn dividends
- Oct 23, 20263.56%▲ from 3.46%
- Oct 15, 20263.46%first recorded
Schedule an Appointment
Balance: $250,000+
Balance: next $150,000; Tiered-rate account; Member must maintain at least $50,000 to earn dividends
Premium Rate = 3.400%; Balance: Up to $25,000
Qualifications Required; Qualifying balance up to $25,000.00; Requires an active Truliant checking account; Premium rate applied to first two statement cycles automatically; $1,000 average monthly balance avoids service fee
Published APY range: 3.3848% - 2.6863%. Balance: $5,000.01 - $10,000; Compounding: Monthly
- Oct 29, 20263.39%▼ from 3.39%
- Oct 26, 20263.39%▼ from 3.39%
- Oct 19, 20263.39%first recorded
Balance: 2nd $50,000; Tiered-rate account; Member must maintain at least $50,000 to earn dividends
Balance: $5,000 - $50,000; Maximum deposit allowed is $50,000; New Money only; funds must be deposited within seven days
Balance: $5.00 to $19,999; Only ONE Wellness Builder Savings Account per member; One (1) free withdrawal per month
- Oct 1, 20263.30%▲ from 3.04%
- Sep 14, 20263.04%first recorded
Without Advantage Checking Account; Earn 3.25% APY on daily balances
- Oct 31, 20263.25%▼ from 3.75%
- Sep 18, 20263.75%first recorded
California counties only; Balance: $25,000 or more; Rate is variable; requires deposit and maintenance of $25,000 or more in new Platinum Savings within 30 days; new savings customers only
Dividends compounded and credited monthly; rates effective as of September 23, 2026
Balance: 1st $50,000; Tiered-rate account; Member must maintain at least $50,000 to earn dividends
Balance: $150,000+
On balances of $25,000+; APY has deposit balance requirements to earn highest rate available
- Oct 13, 20263.25%▲ from 3.10%
- Sep 14, 20263.10%first recorded
Qualifications Required; Balance: $10,000+ average daily balance; Rate and APY based on qualifying criteria; if qualifications are not met each dividend period, the Premier Checking dividend rate applies
APY is variable and effective 10/30/2026; no fees; no minimum balance required to maintain account; interest accrues daily and compounds monthly
- Oct 31, 20263.20%▲ from 3.10%
- Sep 27, 20263.10%first recorded
Balance: $1 or more; Relationship APY when HSBC Premier relationship requirements are met; Not available to business customers
- Oct 31, 20263.20%▲ from 3.10%
- Oct 14, 20263.10%first recorded
Balance: $0.01 - $250,000; Dividends compounded and credited monthly; Balances above $250,000 earn the second-tier rate
Balance: $250,000 and over; Tiered rates, rate paid on entire balance; Available for personal consumer accounts only
Qualifications Required; Balance up to $50,000; Open account with as little as $100; One account per customer; No minimum balance required; No NSF fees; If qualifications not met, the entire balance earns 0.25% APY (not extracted)
- Sep 19, 20263.05%▲ from 0.25%
- Sep 7, 20260.25%first recorded
Rates as of 10/20/2026; No monthly maintenance fee; Online and mobile banking access
Balance: $15,000 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
Qualifications Required; Balance up to $100,000.99; Kasasa Cash qualifications must be met each monthly cycle
Published APY range: 3.00% to 1.34%. Balance: above $75,000
Qualifications Required: 12 qualifying debit card purchases; eStatements enrollment; Online Banking enrollment and login; Available only with Kasasa Cash Checking under same ownership; No minimum balance to earn rewards; No monthly maintenance fees; APY accurate as of 01/01/2025
up to $10,000; Balance: up to $10,000.00; Compounded: Monthly
up to $1,499; Balance: up to $1,499.00; Compounded: Monthly
Balance: Up to $1,000; Earn higher dividends on the first $1,000 in the account
Balance: $500.01 - $1,999.99; Must be under 25 years of age; minimum monthly deposits of at least $10 required to earn dividend rate/APY
Balance: $5.00 - $2,500.00; available to members up through age 18; APY dividend of 2.96% earned on balances $5.00-$2,500.00; balances over $2,500.00 earn 0.20% APY; Minimum Balance/Average Daily Balance: $5/$5
Balance: $5.00 - $1,000.00; Earn 3.0% APY on first $1,000; Available to members age 0-21
- Oct 5, 20263.00%▼ from 3.00%
- Sep 14, 20263.00%first recorded
Balance: Up to $2,499
Balance: $0.01 - $4,999.99; variable APY subject to change daily after account opening; APY accurate as of 07/17/2026
up to $10,000; Balance: up to $10,000.00; Compounded: Monthly
Balance: $10,000 - $99,999
Balance: $50,000.00 and over; No monthly maintenance charge; APYs accurate as of 12/11/2025
Balance: $100,000 - $249,999; Tiered rates, rate paid on entire balance; Available for personal consumer accounts only
Balance: $0 - $9,999
Balance: $1 - $99,999; Tiered rates, rate paid on entire balance; Available for personal consumer accounts only
Balance tier: $100,000
Savings Accounts
- Sep 27, 20261.93%▲ from 1.68%
- Sep 24, 20261.68%first recorded
Savings Accounts
- Sep 27, 20261.93%▲ from 1.68%
- Sep 24, 20261.68%first recorded
Balance tier: $50,000
Balance: $0.00 - $50,000.00
Balance: $50,000 and over
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.
Pungoteague, VA Savings Rate Trends
Compare local Pungoteague, VA savings rate quotes against the statewide average
Daily savings rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
Virginia high-yield savings rates rose 0.054 points over the past 7 days to 2.458% APY, up from 2.404%.
Virginia standard savings rates fell 0.028 points over the past 7 days to 0.489% APY, down from 0.517%.
Pungoteague, Virginia Savings Rate Forecast, Next 12 Months
Savings rates move with Federal Reserve policy. Our model uses the current VA high-yield average and a Fed funds spread to project the likely rate trajectory for 2026 to 2027.
Savings 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 savings average of 2.458% 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 online savings rates tend to adjust faster than standard branch-based savings rates.
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 Pungoteague, Virginia.
Savings Account Earnings in Pungoteague, Virginia
Annual interest earnings at current VA average APYs, based on the high-yield and standard savings averages tracked in our database. Compounding assumed monthly.
| Balance | HY Savings (2.458% APY) | Monthly Earnings | Standard Savings (0.489% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $122.90 / year | $10.24 | $24.47 / year | $2.04 |
| $10,000 | $245.79 / year | $20.48 | $48.94 / year | $4.08 |
| $25,000 | $614.48 / year | $51.21 | $122.35 / year | $10.20 |
| $50,000 | $1,228.95 / year | $102.41 | $244.70 / year | $20.39 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, and daily balance maintained. Rates are variable and subject to change. Source: Pungoteague, Virginia savings rate averages as of October 31, 2026. | ||||
About Our Pungoteague, Virginia Savings Rate Database
MonitorBankRates tracks savings rate offers from 45 banks and credit unions available to Pungoteague, Virginia residents via statewide and national offers. No branch locations physically in Pungoteague are currently in our database, but all listed offers are open to Pungoteague 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: Call Federal Credit Union offers a savings account at 6.00% APY. Use the rate table above to compare all current offers in Pungoteague, Virginia.
How to Find the Best Savings Rates in Pungoteague, Virginia
What to compare when shopping for a savings account in Pungoteague, Virginia
To find the best savings APYs in Pungoteague, Virginia, start with credit unions and online-only banks: Pungoteague, Virginia has 23 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. APY reflects compounding and is the true measure of what you’ll earn. Savings accounts that compound daily earn slightly more than those compounding monthly at the same stated rate. The current VA high-yield savings average is 2.458% but top local institutions are offering as high as 6.00%, so shopping around pays off.
Unlike a CD, savings account rates are variable. Your rate can change at any time with Federal Reserve policy. Many institutions offer elevated introductory rates that reset after a promotional period. Review your account periodically to ensure your APY remains competitive.
When a High-Yield Savings Account Makes Sense
- Emergency fund: Financial experts recommend 3 to 6 months of expenses in a liquid, FDIC-insured account. Pungoteague, Virginia high-yield savings rates currently average 2.458% APY, far above a typical checking account.
- Short-term savings goals (6 to 24 months): If you may need the money soon, a savings account gives you immediate access without early withdrawal penalties.
- Parking cash between investments: A high-yield savings account at Pungoteague, Virginia institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 45 institutions in Pungoteague, Virginia report savings 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 Pungoteague, Virginia CD rates
- You want check-writing flexibility Pungoteague, Virginia money market rates
- You need daily transaction access Pungoteague, 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 savings average of 2.458%, saving 10% of the local median salary ($5,112/year) would earn an additional $126 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Pungoteague, Virginia Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Pungoteague, Virginia.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current VA Avg APY | 2.458% | 0.489% | View MMA Rates | 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 | ✗ No | ✗ No | ✓ Often yes | ✗ No |
| Debit / ATM Card | Some institutions | ✗ Rarely | ✓ Often yes | ✗ No |
| Typical Min Deposit | $0 to $100 | $25 to $100 | $0 to $2,500 | $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 | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Active savers wanting flexibility + check writing | Locking in a rate for a defined period |
APY data reflects Pungoteague, Virginia averages tracked in our database as of October 31, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for Pungoteague, Virginia
At VA’s top rate of 6.00% from Call Federal Credit Union, a $10,000 deposit earns $600 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Pungoteague, Virginia earner is roughly $12,800. At 2.458% APY, saving $1,070/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. High-Yield SavingsVirginia’s high-yield savings average is 2.458% APY, variable and always accessible. 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 Pungoteague, Virginia earner makes $51,121/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 2.458% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 2.458% APY grows to roughly $40,630 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 Pungoteague, Virginia savings 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 Savings Rate Data: We aggregate savings account rates for Pungoteague, 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 savings 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 Pungoteague, Virginia. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to large national institutions available to savers in VA.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Savings Accounts in Pungoteague, Virginia
What are savings account rates in Pungoteague, Virginia today?
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Pungoteague, Virginia safe?
How often do savings rates change in Pungoteague, Virginia?
Do I need a minimum deposit to open a savings account?
What is the difference between a Savings Account and a Money Market Account?
Are online banks better than local banks in Pungoteague, Virginia?
How do I open a savings account in Pungoteague, Virginia?
Best Savings Rates in Pungoteague, Virginia
- Call Federal Credit Union
Youth Savings Account: 6.00% APY - Apple Federal Credit Union
Coverdell ESA Share: 5.00% APY - Andrews Federal Credit Union
Mission Savings Account: 5.00% APY - General Electric Employees Federal Credit Union
Jump Start Savings: 5.00% APY - Everence Federal Credit Union
Youth savings: 5.00% APY
Pungoteague, Virginia Rates & Resources
