Best Checking Accounts & Rates in Virginia - July 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
The best checking rates for Virginia include Beacon Credit Union IncorporatedBeacon Credit Union Incorporated6320 Logans Ln, Lynchburg, VA 24502A+5.0 ★Texas Ratio: 1.82% Choice Plus Checking at 7.07% APY, DuPont Community Credit UnionDuPont Community Credit Union140 Lucy Ln, Waynesboro, VA 22980A+5.0 ★Texas Ratio: 1.70% Grow Checking Tier 2 at 5.54% APY, Andrews Federal Credit UnionAndrews Federal Credit Union7025A Manchester Blvd, Alexandria, VA 22310A5.0 ★Texas Ratio: 11.23% at 5.25% APY, Pen Air Credit UnionPen Air Credit Union7635 Plantation Rd, Roanoke, VA 24019A+5.0 ★Texas Ratio: 2.78% High-Yield Checking at 5.05% APY, and Newport News Shipbuilding Employees Credit UnionNewport News Shipbuilding Employees Credit Union3711 Huntington Ave, Newport News, VA 23607A+5.0 ★Texas Ratio: 4.17% High Yield Checking at 5.00% APY. Checking account rates as of July 25, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare checking account rates across Virginia side-by-side. Virginia checking rates currently reach as high as 7.07% APY from Beacon Credit Union Incorporated at 6320 Logans Ln, Lynchburg, VA, 24502. Rates are continually updated — we recommend checking back frequently.
Checking account rates reflect recent market quotes and representative offers available to depositors in Virginia. Checking Account Rates Last Updated and Verified: July 25, 2026
Compare Checking Account Rates Today in Virginia
Virginia Checking Account Rates
Lynchburg, VA 24502
Qualifications Required; Qualifying balance up to $5,000.00
Waynesboro, VA 22980
Qualifications Required: 15 Debit Transactions Monthly; $250 Amount of Debit Transactions Monthly; 15 Debit Transactions Monthly, $250 Amount of Debit Transactions Monthly
Waynesboro, VA 22980
Qualifications Required; Nationwide ATM Refunds: 10 refunds, up to $5 per refund. Debit Card Transactions: 15. Debit Card Purchases: More than $250. eStatements: ?.
Alexandria, VA 22310
Qualifications Required; Balance $0.01 - $25,000.00
Roanoke, VA 24019
Qualifications Required: receive at least one single ACH deposit of $250.00 in one (1) day; be enrolled in and receive eStatements; Qualifying balance up to $10,000.00
Lynchburg, VA 24502
Qualifications Required; Qualifying balance up to $2,500.00
Newport News, VA 23607
No additional details provided.
Harrisonburg, VA 22802
APY=Annual Percentage Yield. Dividends are paid quarterly. APY is valid as of the last dividend declaration date. All rates quoted are subject to Credit Union earnings and are subject to change after the account is opened.
Lynchburg, VA 24502
No additional details provided.
Chantilly, VA 20151 3816
Qualifications Required; Qualifying Account Balances
Norfolk, VA 23510 2107
No additional details provided.
Williamsburg, VA 23185 5673
Qualifications Required: 15 debit card purchases that post and settle your account; one ACH credit or direct deposit post to your account; Be enrolled in eStatements; Withdrawals and fees may reduce earnings on the account. Interest is compounded and credited monthly based on the average daily balance (ADB) method. APY is accurate as of 02/03/2026. Rates subject to change without notice. A monthly $5.00 fee applies if ADB falls below $1,000. Balances $0 to $25,000 earn 4.00% APY; balances $25,000.01 and above earn standard APY (0.20%). Membership eligibility required. Other rates and terms available.
Norton, VA 24273
Qualifications Required: based on qualifying criteria**
Stephens City, VA 22655
No additional details provided.
Norton, VA 24273
No additional details provided.
Williamsburg, VA 23188 7214
Qualifications Required: 2.00% APY and 2.00% Dividend Rate on balances up to $15,000 when qualifications are met. See account details for qualification requirements.; Qualifying balance up to $15,000.00
No additional details provided.
Stephens City, VA 22655
No additional details provided.
Stephens City, VA 22655
No additional details provided.
Mclean, VA 22101
No additional details provided.
Virginia High Yield Checking Rates
Lynchburg, VA 24502
Qualifications Required; Qualifying balance up to $5,000.00
Waynesboro, VA 22980
Qualifications Required: 15 Debit Transactions Monthly; $250 Amount of Debit Transactions Monthly; 15 Debit Transactions Monthly, $250 Amount of Debit Transactions Monthly
Waynesboro, VA 22980
Qualifications Required; Nationwide ATM Refunds: 10 refunds, up to $5 per refund. Debit Card Transactions: 15. Debit Card Purchases: More than $250. eStatements: ?.
Alexandria, VA 22310
Qualifications Required; Balance $0.01 - $25,000.00
Roanoke, VA 24019
Qualifications Required: receive at least one single ACH deposit of $250.00 in one (1) day; be enrolled in and receive eStatements; Qualifying balance up to $10,000.00
Lynchburg, VA 24502
Qualifications Required; Qualifying balance up to $2,500.00
Newport News, VA 23607
No additional details provided.
Harrisonburg, VA 22802
APY=Annual Percentage Yield. Dividends are paid quarterly. APY is valid as of the last dividend declaration date. All rates quoted are subject to Credit Union earnings and are subject to change after the account is opened.
Norfolk, VA 23510 2107
No additional details provided.
Chantilly, VA 20151 3816
Qualifications Required; Qualifying Account Balances
Williamsburg, VA 23185 5673
Qualifications Required: 15 debit card purchases that post and settle your account; one ACH credit or direct deposit post to your account; Be enrolled in eStatements; Withdrawals and fees may reduce earnings on the account. Interest is compounded and credited monthly based on the average daily balance (ADB) method. APY is accurate as of 02/03/2026. Rates subject to change without notice. A monthly $5.00 fee applies if ADB falls below $1,000. Balances $0 to $25,000 earn 4.00% APY; balances $25,000.01 and above earn standard APY (0.20%). Membership eligibility required. Other rates and terms available.
Norton, VA 24273
Qualifications Required: based on qualifying criteria**
Williamsburg, VA 23188 7214
Qualifications Required: 2.00% APY and 2.00% Dividend Rate on balances up to $15,000 when qualifications are met. See account details for qualification requirements.; Qualifying balance up to $15,000.00
No additional details provided.
Mclean, VA 22101
No additional details provided.
Falls Church, VA 22046 2114
No additional details provided.
Centreville, VA 20121
Up to $19,999
Alexandria, VA 22312 1714
Earn up to 1.00%*
Martinsville, VA 24112 4618
Daily balance $500-$10,000*
Stephens City, VA 22655
No additional details provided.
Virginia Rewards Checking Rates
Alexandria, VA 22310
Qualifications Required; Balance $0.01 - $25,000.00
Harrisonburg, VA 22802
APY=Annual Percentage Yield. Dividends are paid quarterly. APY is valid as of the last dividend declaration date. All rates quoted are subject to Credit Union earnings and are subject to change after the account is opened.
Alexandria, VA 22310
Qualifications Required; Balance $25,000.01 and more
Danville, VA 24540
Rate applies if qualifications are not met
Lynchburg, VA 24504 5429
If qualifications aren't met
Alexandria, VA 22310
Qualifications Not Met; Balance $.01 or more if qualifications are not met
Waynesboro, VA 22980
No additional details provided.
Newport News, VA 23607
No additional details provided.
Virginia Free Checking Rates
Lynchburg, VA 24504 5429
If qualifications aren't met
Virginia Beach, VA 23464 4204
No additional details provided.
Newport News, VA 23607
No additional details provided.
Leesburg, VA 20175
Minimum balance to earn dividends is $1,000, no monthly service charge
Lynchburg, VA 24502
Minimum to Open: $25; Dividends Compounded: Monthly
Danville, VA 24540
No additional details provided.
Henrico, VA 23228
No additional details provided.
Norfolk, VA 23510 2107
No additional details provided.
Newport News, VA 23607
No additional details provided.
Virginia Student Checking Rates
Alexandria, VA 22305
No additional details provided.
McLean, VA 22102 7508
No additional details provided.
Charlottesville, VA 22903 2820
No additional details provided.
Alexandria, VA 22305
No additional details provided.
Newport News, VA 23607
No additional details provided.
Virginia Business Checking Rates
Lynchburg, VA 24502
No additional details provided.
Stephens City, VA 22655
No additional details provided.
Norton, VA 24273
No additional details provided.
Stephens City, VA 22655
No additional details provided.
Stephens City, VA 22655
No additional details provided.
Stephens City, VA 22655
No additional details provided.
Martinsville, VA 24112 4618
Daily balance $500-$10,000*
Chesapeake, VA 23320
$5,000,000.00 - $25,000,000.00
Norton, VA 24273
No additional details provided.
Norton, VA 24273
No additional details provided.
Norton, VA 24273
No additional details provided.
Chesapeake, VA 23320
$0.00 - $4,999,999.99
Waynesboro, VA 22980
Fees may reduce earnings on your accounts.
Centreville, VA 20121
No additional details provided.
Stephens City, VA 22655
No additional details provided.
Williamsburg, VA 23188 7214
No additional details provided.
Williamsburg, VA 23188 7214
No additional details provided.
Waynesboro, VA 22980
Fees may reduce earnings on your accounts.
Williamsburg, VA 23188 7214
No additional details provided.
Waynesboro, VA 22980
Fees may reduce earnings on your accounts.
Virginia Checking Rate Trends
Compare local Virginia checking rate quotes against the statewide average
Daily checking rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Virginia high-yield checking rates fell 0.076 points over the past 7 days to 2.313% APY.
Virginia free checking rates rose 0.126 points over the past 7 days to 0.638% APY.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Virginia checking 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 Checking Rate Data: We aggregate checking account rates for Virginia directly from the official websites of banks and credit unions using a combination of our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing this data from the institutions’ own digital properties and manually verifying the yields daily, we ensure that every checking rate displayed on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems and team constantly monitor the market to provide a complete picture of available yields in Virginia. We feature a comprehensive mix of financial institutions, allowing you to easily compare localized checking rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield checking accounts available to account holders in VA.
Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update checking rates daily. Because checking account yields can fluctuate based on market conditions, every single checking product listed on our platform features its own specific “last updated” date.
Frequently Asked Questions
Do checking accounts in Virginia earn interest?
Are banks in Virginia FDIC insured?
What fees should I watch out for?
What is a Rewards Checking account?
Best Checking Rates in Virginia
- Beacon Credit Union Incorporated
Choice Plus Checking — 7.07% APY - DuPont Community Credit Union
Grow Checking Tier 2 — 5.54% APY - Andrews Federal Credit Union
— 5.25% APY - Pen Air Credit Union
High-Yield Checking — 5.05% APY - Newport News Shipbuilding Employees Credit Union
High Yield Checking — 5.00% APY
Checking Account Rates by City in Virginia
