Best Checking Accounts & Rates in Virginia - April 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
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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.
The best checking rates for Virginia include Baxter Credit UnionBaxter Credit Union1345 Perimeter Pkwy, Virginia Beach, VA 23454 5882A5.0 ★Texas Ratio: 7.73% PowerPlusTM Checking Level 2 at 8.00% APY, Beacon Credit Union IncorporatedBeacon Credit Union Incorporated6320 Logans Ln, Lynchburg, VA 24502A+5.0 ★Texas Ratio: 1.89% Choice Plus Checking at 7.07% APY, DuPont Community Credit UnionDuPont Community Credit Union140 Lucy Ln, Waynesboro, VA 22980A+5.0 ★Texas Ratio: 1.75% Grow Checking at 5.54% APY, Commonwealth One Federal Credit UnionCommonwealth One Federal Credit Union4875 Eisenhower Ave, Alexandria, VA 22304 4886A-5.0 ★Texas Ratio: 14.20% at 5.50% APY, and Capon Valley BankCapon Valley Bank6701 Northwestern Pike, Gore, VA 22637A+5.0 ★Texas Ratio: 3.18% CVBTM Interest Rewards Checking at 5.12% APY. Checking account rates as of April 4, 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 8.00% APY from Baxter Credit Union at 1345 Perimeter Pkwy, Virginia Beach, VA, 23454 5882. 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: April 4, 2026
Compare Checking Account Rates Today in Virginia
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Baxter Credit Union
Virginia Beach, VA 23454 5882
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
1345 Perimeter PkwyVirginia Beach, VA 23454 5882
PowerPlusTM Checking Level 2
8.00%
$0
▼
Rate7.72%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Qualifying balance up to $15000
Beacon Credit Union Incorporated
Lynchburg, VA 24502
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
6320 Logans LnLynchburg, VA 24502
Choice Plus Checking
7.07%
$25
▼
Rate6.85%
Min Deposit$25
Min Balance—
UpdatedMar 28, 2026
Details
Qualifications Required; Qualifying balance up to $5,000.00
DuPont Community Credit Union
Waynesboro, VA 22980
Institution Rating:
A+5.0 ★ Texas Ratio: 1.75%
140 Lucy LnWaynesboro, VA 22980
Grow Checking
5.54%
$0
▼
Rate5.40%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Qualifications Required; Qualifying balance up to $25,000.00
Commonwealth One Federal Credit Union
Alexandria, VA 22304 4886
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
4875 Eisenhower AveAlexandria, VA 22304 4886
5.50%
$0
▼
Rate5.37%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Qualifying balance up to $30,000.01
Capon Valley Bank
Gore, VA 22637
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
6701 Northwestern PikeGore, VA 22637
CVBTM Interest Rewards Checking
5.12%
$0
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Qualifications Required
Pen Air Credit Union
Roanoke, VA 24019
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
7635 Plantation RdRoanoke, VA 24019
High-Yield Checking
5.05%
$0
▼
Rate5.05%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Qualifications Required; Qualifying balance up to $10,000.00
Beacon Credit Union Incorporated
Lynchburg, VA 24502
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
6320 Logans LnLynchburg, VA 24502
Choice Plus Checking
5.05%
$25
▼
Rate4.94%
Min Deposit$25
Min Balance—
UpdatedMar 28, 2026
Details
Qualifications Required; Qualifying balance up to $2,500.00
Newport News Shipbuilding Employees Credit Union
Newport News, VA 23607
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
3711 Huntington AveNewport News, VA 23607
High Yield Checking
5.00%
$25
▼
Rate4.89%
Min Deposit$25
Min Balance—
UpdatedMar 25, 2026
Details
Qualifying balance up to $15,000.00
Park View Federal Credit Union
Harrisonburg, VA 22802
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
1675 Virginia AveHarrisonburg, VA 22802
Electrum Checking Dividends Gold Level
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Qualifications Required: 15 debit card purchases; $1,500 in direct deposits; Qualifying balance up to $10,000.00; $25 minimum to open account and earn APY.
Freedom First Federal Credit Union
Roanoke, VA 24019 3002
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
5240 Valleypark DrRoanoke, VA 24019 3002
Checking Accounts Tier 3
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Minimum Direct Deposit: $5,000; Max. ADB: $10,000
Capon Valley Bank
Gore, VA 22637
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
6701 Northwestern PikeGore, VA 22637
CVBTM Interest Rewards Checking
4.07%
$0
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Qualifications Required
Baxter Credit Union
Virginia Beach, VA 23454 5882
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
1345 Perimeter PkwyVirginia Beach, VA 23454 5882
PowerPlusTM Checking Level 1
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Qualifying balance up to $15000
Together Credit Union
Williamsburg, VA 23185 5673
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
243 Mclaws Cir Ste 100Williamsburg, VA 23185 5673
High Interest Checking
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Qualifications Required: Make 15 debit card purchases that post and settle your account; Have one ACH credit or direct deposit post to your account; Be enrolled in eStatements; Qualifying balance up to $25,000.00
UNIFY Financial Federal Credit Union
Norfolk, VA 23510 2107
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
2 Commercial PlNorfolk, VA 23510 2107
HY Checking
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
No additional details provided.
Department of Commerce FCU
Midlothian, VA 23112
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
5309 Commonwealth Centre Pkwy Ste 407Midlothian, VA 23112
Performance Checking Account
3.50%
$0
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
No additional details provided.
Appalachian Community Federal Credit Union
Norton, VA 24273
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
1448 Park Ave NWNorton, VA 24273
Share Draft (Peak Checking)
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
based on qualifying criteria**
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
No additional details provided.
Baylands Family Credit Union
Williamsburg, VA 23188 7214
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
7031 Richmond RdWilliamsburg, VA 23188 7214
Grow Green Checking Accounts
1.51%
$0
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Qualifying balance up to $15,000.00
Blue Ridge Bank National Association
Luray, VA 22835
Institution Rating:
F2.8 ★ Texas Ratio: 41.42%
17 W Main StLuray, VA 22835
First Honor Checking
1.51%
$0
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
No additional details provided.
Park View Federal Credit Union
Harrisonburg, VA 22802
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
1675 Virginia AveHarrisonburg, VA 22802
Electrum Checking Dividends Silver Level
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Qualifications Required: 5 debit card purchases; $500 in direct deposits; Qualifying balance up to $10,000.00; $25 minimum to open account and earn APY.
Powered by
MonitorBankRates
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Baxter Credit Union
Virginia Beach, VA 23454 5882
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
1345 Perimeter PkwyVirginia Beach, VA 23454 5882
PowerPlusTM Checking Level 2
8.00%
$0
▼
Rate7.72%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Qualifying balance up to $15000
Beacon Credit Union Incorporated
Lynchburg, VA 24502
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
6320 Logans LnLynchburg, VA 24502
Choice Plus Checking
7.07%
$25
▼
Rate6.85%
Min Deposit$25
Min Balance—
UpdatedMar 28, 2026
Details
Qualifications Required; Qualifying balance up to $5,000.00
DuPont Community Credit Union
Waynesboro, VA 22980
Institution Rating:
A+5.0 ★ Texas Ratio: 1.75%
140 Lucy LnWaynesboro, VA 22980
Grow Checking
5.54%
$0
▼
Rate5.40%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Qualifications Required; Qualifying balance up to $25,000.00
Commonwealth One Federal Credit Union
Alexandria, VA 22304 4886
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
4875 Eisenhower AveAlexandria, VA 22304 4886
5.50%
$0
▼
Rate5.37%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Qualifying balance up to $30,000.01
Capon Valley Bank
Gore, VA 22637
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
6701 Northwestern PikeGore, VA 22637
CVBTM Interest Rewards Checking
5.12%
$0
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Qualifications Required
Pen Air Credit Union
Roanoke, VA 24019
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
7635 Plantation RdRoanoke, VA 24019
High-Yield Checking
5.05%
$0
▼
Rate5.05%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Qualifications Required; Qualifying balance up to $10,000.00
Beacon Credit Union Incorporated
Lynchburg, VA 24502
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
6320 Logans LnLynchburg, VA 24502
Choice Plus Checking
5.05%
$25
▼
Rate4.94%
Min Deposit$25
Min Balance—
UpdatedMar 28, 2026
Details
Qualifications Required; Qualifying balance up to $2,500.00
Newport News Shipbuilding Employees Credit Union
Newport News, VA 23607
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
3711 Huntington AveNewport News, VA 23607
High Yield Checking
5.00%
$25
▼
Rate4.89%
Min Deposit$25
Min Balance—
UpdatedMar 25, 2026
Details
Qualifying balance up to $15,000.00
Park View Federal Credit Union
Harrisonburg, VA 22802
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
1675 Virginia AveHarrisonburg, VA 22802
Electrum Checking Dividends Gold Level
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Qualifications Required: 15 debit card purchases; $1,500 in direct deposits; Qualifying balance up to $10,000.00; $25 minimum to open account and earn APY.
Freedom First Federal Credit Union
Roanoke, VA 24019 3002
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
5240 Valleypark DrRoanoke, VA 24019 3002
Checking Accounts Tier 3
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Minimum Direct Deposit: $5,000; Max. ADB: $10,000
Capon Valley Bank
Gore, VA 22637
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
6701 Northwestern PikeGore, VA 22637
CVBTM Interest Rewards Checking
4.07%
$0
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Qualifications Required
Baxter Credit Union
Virginia Beach, VA 23454 5882
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
1345 Perimeter PkwyVirginia Beach, VA 23454 5882
PowerPlusTM Checking Level 1
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Qualifying balance up to $15000
Together Credit Union
Williamsburg, VA 23185 5673
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
243 Mclaws Cir Ste 100Williamsburg, VA 23185 5673
High Interest Checking
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Qualifications Required: Make 15 debit card purchases that post and settle your account; Have one ACH credit or direct deposit post to your account; Be enrolled in eStatements; Qualifying balance up to $25,000.00
UNIFY Financial Federal Credit Union
Norfolk, VA 23510 2107
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
2 Commercial PlNorfolk, VA 23510 2107
HY Checking
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
No additional details provided.
Department of Commerce FCU
Midlothian, VA 23112
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
5309 Commonwealth Centre Pkwy Ste 407Midlothian, VA 23112
Performance Checking Account
3.50%
$0
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
No additional details provided.
Appalachian Community Federal Credit Union
Norton, VA 24273
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
1448 Park Ave NWNorton, VA 24273
Share Draft (Peak Checking)
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
based on qualifying criteria**
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
No additional details provided.
Blue Ridge Bank National Association
Luray, VA 22835
Institution Rating:
F2.8 ★ Texas Ratio: 41.42%
17 W Main StLuray, VA 22835
First Honor Checking
1.51%
$0
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
No additional details provided.
Baylands Family Credit Union
Williamsburg, VA 23188 7214
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
7031 Richmond RdWilliamsburg, VA 23188 7214
Grow Green Checking Accounts
1.51%
$0
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Qualifying balance up to $15,000.00
Park View Federal Credit Union
Harrisonburg, VA 22802
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
1675 Virginia AveHarrisonburg, VA 22802
Electrum Checking Dividends Silver Level
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Qualifications Required: 5 debit card purchases; $500 in direct deposits; Qualifying balance up to $10,000.00; $25 minimum to open account and earn APY.
Powered by
MonitorBankRates
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Commonwealth One Federal Credit Union
Alexandria, VA 22304 4886
Institution Rating:
A-5.0 ★ Texas Ratio: 14.20%
4875 Eisenhower AveAlexandria, VA 22304 4886
5.50%
$0
▼
Rate5.37%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Qualifying balance up to $30,000.01
Capon Valley Bank
Gore, VA 22637
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
6701 Northwestern PikeGore, VA 22637
CVBTM Interest Rewards Checking
5.12%
$0
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Qualifications Required
Capon Valley Bank
Gore, VA 22637
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
6701 Northwestern PikeGore, VA 22637
CVBTM Interest Rewards Checking
4.07%
$0
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details
Qualifications Required
Farmers & Merchants Bank VA
Timberville, VA 22853
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
165 New Market RdTimberville, VA 22853
Cash Back Plus Checking Account
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details
No additional details provided.
Farmers & Merchants Bank VA
Timberville, VA 22853
Institution Rating:
A+5.0 ★ Texas Ratio: 5.26%
165 New Market RdTimberville, VA 22853
F&M Cash Back Plus Checking
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details
No additional details provided.
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
No additional details provided.
Primis Bank
Courtland, VA 23837
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
22241 Main StCourtland, VA 23837
Primis Perks Checking
1.00%
$1
▼
Rate1.00%
Min Deposit$1
Min Balance—
UpdatedMar 24, 2026
Details
Cash Back. Every Purchase.; This account is only available online.
Arlington Community Federal Credit Union
Arlington, VA 22207
Institution Rating:
A+5.0 ★ Texas Ratio: 5.89%
2130 N Glebe RdArlington, VA 22207
Free Rewards Checking
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Qualifications Required: Make 25 swipe-and-sign, PIN, or debit Bill Pay transactions each month; Receive e-Statements; Receive $500 in ACH deposits into your Free Rewards Checking Account; Qualifying balance up to $1,000.00
Transit Employees Federal Credit Union
Alexandria, VA 22303 1871
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
5948 Richmond HwyAlexandria, VA 22303 1871
Rewards Checking
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
No additional details provided.
Signature Federal Credit Union
Alexandria, VA 22305
Institution Rating:
A5.0 ★ Texas Ratio: 7.33%
12 HERBERT STAlexandria, VA 22305
Signature Cash Back Checking
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
No additional details provided.
Newport News Shipbuilding Employees Credit Union
Newport News, VA 23607
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
3711 Huntington AveNewport News, VA 23607
Rewards, Teen Rewards, and College & Career Rewards Checking
0.00%
$25
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedMar 25, 2026
Details
No additional details provided.
Newport News Shipbuilding Employees Credit Union
Newport News, VA 23607
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
3711 Huntington AveNewport News, VA 23607
Cash Back Checking
0.00%
$25
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedMar 25, 2026
Details
No additional details provided.
Powered by
MonitorBankRates
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Arlington Community Federal Credit Union
Arlington, VA 22207
Institution Rating:
A+5.0 ★ Texas Ratio: 5.89%
2130 N Glebe RdArlington, VA 22207
Free Rewards Checking
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details
Qualifications Required: Make 25 swipe-and-sign, PIN, or debit Bill Pay transactions each month; Receive e-Statements; Receive $500 in ACH deposits into your Free Rewards Checking Account; Qualifying balance up to $1,000.00
Pentagon Federal Credit Union
Alexandria, VA 22315 5731
Institution Rating:
A5.0 ★ Texas Ratio: 10.64%
5775 Barclay DrAlexandria, VA 22315 5731
Access America Checking Account
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Qualifications Required: recurring direct deposits of $500 or more; $25 minimum balance to open. Earn dividends with recurring direct deposits of $500 or more and a daily balance up to $50,000 per statement cycle.*
Newport News Shipbuilding Employees Credit Union
Newport News, VA 23607
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
3711 Huntington AveNewport News, VA 23607
Free Classic Checking
0.05%
$25
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedMar 25, 2026
Details
No additional details provided.
ABNB Federal Credit Union
Virginia Beach, VA 23464 4204
Institution Rating:
A5.0 ★ Texas Ratio: 10.06%
5288 Providence RdVirginia Beach, VA 23464 4204
Everyday Earnings Checking
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
No additional details provided.
Henrico Federal Credit Union
Henrico, VA 23228
Institution Rating:
A5.0 ★ Texas Ratio: 8.03%
8611 Dixon Powers DrHenrico, VA 23228
Basic Checking
0.00%
$15
▼
Rate0.00%
Min Deposit$15
Min Balance—
UpdatedApr 2, 2026
Details
No additional details provided.
URW Community Federal Credit Union
Danville, VA 24540
Institution Rating:
A5.0 ★ Texas Ratio: 10.37%
539 Arnett BlvdDanville, VA 24540
Absolutely Free Checking
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
No additional details provided.
UNIFY Financial Federal Credit Union
Norfolk, VA 23510 2107
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
2 Commercial PlNorfolk, VA 23510 2107
FREE Checking
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
No additional details provided.
UNIFY Financial Federal Credit Union
Norfolk, VA 23510 2107
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
2 Commercial PlNorfolk, VA 23510 2107
FREE Checking Account
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
No additional details provided.
Beacon Credit Union Incorporated
Lynchburg, VA 24502
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
6320 Logans LnLynchburg, VA 24502
Basic Checking
0.00%
$25
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedMar 28, 2026
Details
No additional details provided.
Powered by
MonitorBankRates
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Everence Federal Credit Union
Harrisonburg, VA 22802
Institution Rating:
A5.0 ★ Texas Ratio: 8.68%
841 Mount Clinton Pike STE BHarrisonburg, VA 22802
Student Checking
0.15%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Earn 0.15% APY3 by just opening the account.
Signature Federal Credit Union
Alexandria, VA 22305
Institution Rating:
A5.0 ★ Texas Ratio: 7.33%
12 HERBERT STAlexandria, VA 22305
Youth Checking
0.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
No additional details provided.
Northrop Grumman Federal Credit Union
McLean, VA 22102 7508
Institution Rating:
A5.0 ★ Texas Ratio: 8.91%
7575 Colshire DrMcLean, VA 22102 7508
YOUth Journey Checking
0.05%
$25
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedMar 28, 2026
Details
No additional details provided.
University of Virginia Community Credit Union
Charlottesville, VA 22903 2820
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
1018 W Main StCharlottesville, VA 22903 2820
Teen Rise/Teen Rise Family Checking Account
0.01%
$5
▼
Rate0.01%
Min Deposit$5
Min Balance—
UpdatedMar 29, 2026
Details
No additional details provided.
TruEnergy Federal Credit Union
Springfield, VA 22151
Institution Rating:
A5.0 ★ Texas Ratio: 8.31%
6801 Industrial RdSpringfield, VA 22151
Teen Checking Account
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
No additional details provided.
Signature Federal Credit Union
Alexandria, VA 22305
Institution Rating:
A5.0 ★ Texas Ratio: 7.33%
12 HERBERT STAlexandria, VA 22305
Standard Checking/Student Checking
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
No additional details provided.
Newport News Shipbuilding Employees Credit Union
Newport News, VA 23607
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
3711 Huntington AveNewport News, VA 23607
Rewards, Teen Rewards, and College & Career Rewards Checking
0.00%
$25
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedMar 25, 2026
Details
No additional details provided.
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MonitorBankRates
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Beacon Credit Union Incorporated
Lynchburg, VA 24502
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
6320 Logans LnLynchburg, VA 24502
Business Interest Plus Checking
4.04%
$500
▼
Rate3.97%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Minimum to Open: $500
Appalachian Community Federal Credit Union
Norton, VA 24273
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
1448 Park Ave NWNorton, VA 24273
Summit Business Checking
2.03%
$0
▼
Rate2.01%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
No additional details provided.
FNB Bank, Inc. Romney, WV
Stephens City, VA 22655
Institution Rating:
A5.0 ★ Texas Ratio: 13.45%
731 Warrior DrStephens City, VA 22655
PREMIUM BUSINESS CHECKING
2.00%
$200,000
▼
Rate1.98%
Min Deposit$200,000
Min Balance—
UpdatedApr 4, 2026
Details
Over $200,000
FNB Bank, Inc. Romney, WV
Stephens City, VA 22655
Institution Rating:
A5.0 ★ Texas Ratio: 13.45%
731 Warrior DrStephens City, VA 22655
PREMIUM BUSINESS CHECKING
1.50%
$100,000
▼
Rate1.49%
Min Deposit$100,000
Min Balance—
UpdatedApr 4, 2026
Details
$100,000 - $199,999.99
FNB Bank, Inc. Romney, WV
Stephens City, VA 22655
Institution Rating:
A5.0 ★ Texas Ratio: 13.45%
731 Warrior DrStephens City, VA 22655
PREMIUM BUSINESS CHECKING
1.00%
$25,000
▼
Rate1.00%
Min Deposit$25,000
Min Balance—
UpdatedApr 4, 2026
Details
$25,000 - $99,999.99
Dollar Bank, Federal Savings Bank
Chesapeake, VA 23320
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
750 Volvo PkwyChesapeake, VA 23320
Business Checking with Interest
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details
No additional details provided.
Appalachian Community Federal Credit Union
Norton, VA 24273
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
1448 Park Ave NWNorton, VA 24273
Summit Business Checking
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
No additional details provided.
Appalachian Community Federal Credit Union
Norton, VA 24273
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
1448 Park Ave NWNorton, VA 24273
Summit Business Checking
0.65%
$0
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
No additional details provided.
Eastman Credit Union
Gate City, VA 24251
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
265 Jones StGate City, VA 24251
Maximum Business Checking
0.55%
$0
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
No additional details provided.
Appalachian Community Federal Credit Union
Norton, VA 24273
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
1448 Park Ave NWNorton, VA 24273
Summit Business Checking
0.55%
$0
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
No additional details provided.
Dollar Bank, Federal Savings Bank
Chesapeake, VA 23320
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
750 Volvo PkwyChesapeake, VA 23320
Business Checking with Interest
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details
No additional details provided.
Eastman Credit Union
Gate City, VA 24251
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
265 Jones StGate City, VA 24251
Maximum Business Checking
0.45%
$0
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
No additional details provided.
Apple Federal Credit Union
Centreville, VA 20121
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
14260J Centreville SqCentreville, VA 20121
Core Corporate Checking
0.40%
$15,000
▼
Rate0.00%
Min Deposit$15,000
Min Balance—
UpdatedMar 25, 2026
Details
No additional details provided.
Eastman Credit Union
Gate City, VA 24251
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
265 Jones StGate City, VA 24251
Maximum Business Checking
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
No additional details provided.
Eastman Credit Union
Gate City, VA 24251
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
265 Jones StGate City, VA 24251
Beside You Business Checking
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Qualifying balance up to $100,000.00
FNB Bank, Inc. Romney, WV
Stephens City, VA 22655
Institution Rating:
A5.0 ★ Texas Ratio: 13.45%
731 Warrior DrStephens City, VA 22655
BUSINESS INTEREST CHECKING
0.30%
$5,000
▼
Rate0.30%
Min Deposit$5,000
Min Balance—
UpdatedApr 4, 2026
Details
Minimum Deposit $5,000
Eastman Credit Union
Gate City, VA 24251
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
265 Jones StGate City, VA 24251
Beyond Free Business Checking
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
$100,000 or greater
Baxter Credit Union
Virginia Beach, VA 23454 5882
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
1345 Perimeter PkwyVirginia Beach, VA 23454 5882
Premier Business Checking
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
No additional details provided.
Baylands Family Credit Union
Williamsburg, VA 23188 7214
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
7031 Richmond RdWilliamsburg, VA 23188 7214
Small Business Checking Accounts
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
No additional details provided.
Eastman Credit Union
Gate City, VA 24251
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
265 Jones StGate City, VA 24251
Beside You Business Checking
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Qualifying balance up to $99,999.00
Powered by
MonitorBankRates
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.
High-Yield Checking — VA Avg
4.457%
▲ 3.805 vs 7 days ago
Virginia high-yield checking rates rose 3.805 points over the past 7 days to 4.457% APY.
Free Checking — VA Avg
0.608%
▲ 0.451 vs 7 days ago
Virginia free checking rates rose 0.451 points over the past 7 days to 0.608% APY.
As of Apr 5, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
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 pulling this data straight 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?
Most traditional local checking accounts in Virginia earn 0% interest. However, High-Yield Checking or Rewards Checking accounts from online banks and select local credit unions can pay interest rates comparable to savings accounts.
Are banks in Virginia FDIC insured?
Yes. Legitimate banks with branches in Virginia are FDIC insured up to $250,000 per depositor. Local Credit Unions are similarly insured by the NCUA.
What fees should I watch out for?
Common fees include Monthly Maintenance Fees (often waivable with direct deposit), Overdraft Fees, and Out-of-Network ATM fees. We recommend looking for “Free Checking” accounts that explicitly state no monthly fees.
What is a Rewards Checking account?
Rewards Checking accounts (sometimes called Kasasa accounts) offer high interest rates or cash back on debit card purchases in exchange for meeting monthly requirements like a minimum number of debit card transactions, direct deposit enrollment, or e-statement signup.
Best Checking Rates in Virginia
Based on our current data, some of the highest checking account APYs available to residents of Virginia include:
- Baxter Credit Union
PowerPlusTM Checking Level 2 — 8.00% APY - Beacon Credit Union Incorporated
Choice Plus Checking — 7.07% APY - DuPont Community Credit Union
Grow Checking — 5.54% APY - Commonwealth One Federal Credit Union
— 5.50% APY - Capon Valley Bank
CVBTM Interest Rewards Checking — 5.12% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Virginia. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: April 4, 2026
Checking Account Rates by City in Virginia
Rate Assistant
MonitorBankRates.com · Live Data
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