Best Money Market Rates in Virginia - July 2026
Brian McKay
Brian McKay
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Current Virginia money market deposit account rates include Marine Federal Credit UnionMarine Federal Credit Union209 Garrisonville Rd, Stafford, VA 22554 1527A5.0 ★Texas Ratio: 6.94% Choice Money Market at 4.07% APY, 1st Advantage Federal Credit Union1st Advantage Federal Credit Union224 Commons Way, Williamsburg, VA 23185A+5.0 ★Texas Ratio: 2.69% Money Market Accounts at 4.00% APY, Apple Federal Credit UnionApple Federal Credit Union14260J Centreville Sq, Centreville, VA 20121A+5.0 ★Texas Ratio: 3.07% Money Market at 4.00% APY, Beacon Credit Union IncorporatedBeacon Credit Union Incorporated6320 Logans Ln, Lynchburg, VA 24502A+5.0 ★Texas Ratio: 1.82% Business Money Market at 4.00% APY, and TruistTruist919 E Main St, Richmond, VA 23219A+5.0 ★Texas Ratio: 3.63% Small Business Money Market Account at 4.00% APY. Money market rates as of July 12, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare money market rates across Virginia side-by-side. Virginia money market rates currently reach as high as 4.07% APY from Marine Federal Credit Union at 209 Garrisonville Rd, Stafford, VA 22554 1527. Rates are continually updated — we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Virginia and surrounding area. Last Updated and Verified: July 12, 2026
Compare the Best Money Market Rates Today in Virginia
Eligible clients can open a new Truist Business Money Market Account and earn up to 4.00% annual percentage yield (APY) for balances between $5,000 - $4,999,999.99.
Minimum opening deposit for 4.00% is $1,000,000
Bring Your Business Money Market to Beacon
Balance range: $1,000,000 and over
APY = Annual Percentage Yield. Average Daily Balance required to earn dividends. The Money Market Account tier dividend rates and APY as of 6/22/2026 are subject to change daily. Dividends compounded monthly. Fees may reduce earnings. If you have any questions or require current rate information please call the credit union at 757-886-3333.
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. 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.
As high as
Lock in your rate
$250,000; Dividends compounded: Monthly; Dividends credited: Monthly; Dividend period: Monthly; Minimum balance to receive dividend: $100.00; Balance method: Daily balance
Premier Checking required to open the Premier Money Market.
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. 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.
Balance range: $500,000 to $999,999
Preferred rates; Must have a Citizens Private Client® Checking account; A minimum of $25,000 of new money is required to qualify for preferred rates.
On Balances Between $25,000 and $250,000. Earn 1.50% APY* on Higher Balances Earn 0.10% APY* on Average Daily Balances under $25,000.
Preferred rates; Requires a Citizens Quest® Checking account; A minimum of $25,000 of new money is required to qualify for preferred rates.
Premier Checking required to open the Premier Money Market.
APY = Annual Percentage Yield. Average Daily Balance required to earn dividends. The Money Market Account tier dividend rates and APY as of 6/22/2026 are subject to change daily. Dividends compounded monthly. Fees may reduce earnings. If you have any questions or require current rate information please call the credit union at 757-886-3333.
On balances of $25,000+
$200,000+
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. 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.
Balance range: $250,000 to $499,999
Compounded Monthly
**
Dividends compounded: Monthly; Dividends credited: Monthly; Dividend period: Monthly; Balance method: Daily balance
$125,000.00
APY*
Dividends are paid and compounded monthly. Withdrawal restrictions apply. The annual percentage yield (APY) is accurate as of the last dividend declaration date. Fees may reduce earnings on the accounts. Rate may change after the account is opened. A $10 monthly maintenance fee will be charged for Money Market Accounts with a daily balance below $1,000.
As Much As
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. 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.
Premier Checking required to open the Premier Money Market.
Rates may change after account is opened.
APY*
Dividends are paid and compounded monthly. Withdrawal restrictions apply. The annual percentage yield (APY) is accurate as of the last dividend declaration date. Fees may reduce earnings on the accounts. Rate may change after the account is opened. A $10 monthly maintenance fee will be charged for Money Market Accounts with a daily balance below $1,000.
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APY = Annual Percentage Yield. Average Daily Balance required to earn dividends. The Money Market Account tier dividend rates and APY as of 6/22/2026 are subject to change daily. Dividends compounded monthly. Fees may reduce earnings. If you have any questions or require current rate information please call the credit union at 757-886-3333.
APY*
Dividends are paid and compounded monthly. Withdrawal restrictions apply. The annual percentage yield (APY) is accurate as of the last dividend declaration date. Fees may reduce earnings on the accounts. Rate may change after the account is opened. A $10 monthly maintenance fee will be charged for Money Market Accounts with a daily balance below $1,000.
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APY*
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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.
Virginia Money Market Rate Trends
Compare local Virginia 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 0.047 points over the past 7 days to 3.277% APY.
Virginia standard MMA rates fell 0.008 points over the past 7 days to 0.803% APY.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our 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 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 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 Virginia
What is a Money Market Account (MMA)?
Are Money Market accounts in Virginia safe?
How often do MMA rates change in Virginia?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Virginia?
Best Money Market Rates in Virginia
- Marine Federal Credit Union
Choice Money Market — 4.07% APY - 1st Advantage Federal Credit Union
Money Market Accounts — 4.00% APY - Apple Federal Credit Union
Money Market — 4.00% APY - Beacon Credit Union Incorporated
Business Money Market — 4.00% APY - Truist
Small Business Money Market Account — 4.00% APY
Cities in Virginia
