Harrisonburg, Virginia Money Market Rates - October 2026
Brian McKay
Brian McKay
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Harrisonburg, Virginia money market account rates range from 0.10% to 4.02% APY, verified by MonitorBankRates as of October 13, 2026. Current Harrisonburg, Virginia and the surrounding area money market deposit account rates include University of Virginia Community Credit UnionUniversity of Virginia Community Credit Union210 University Blvd, Harrisonburg, VA 22801A+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, Everence Federal Credit UnionEverence Federal Credit Union841 Mount Clinton Pike STE B, Harrisonburg, VA 22802A+5.0 ★Texas Ratio: 4.82%Real return: +1.20%APY minus 2.8% CPI (February 2026) Indexed money market at 4.00% APY, Blue Ridge Bank National AssociationBlue Ridge Bank National Association563 Neff Ave, Harrisonburg, VA 22801A5.0 ★Texas Ratio: 8.11%Real return: +0.76%APY minus 2.8% CPI (February 2026) Business Money Market Account Special at 3.56% APY, Farmers & Merchants Bank VAFarmers & Merchants Bank VA2030 Legacy Ln, Harrisonburg, VA 22801A+5.0 ★Texas Ratio: 3.40%Real return: +0.42%APY minus 2.8% CPI (February 2026) F&M Money Market at 3.22% APY, and PCB Pendleton BankPCB Pendleton Bank2169 S Main St, Harrisonburg, VA 22801A5.0 ★Texas Ratio: 9.24%Real return: +0.01%APY minus 2.8% CPI (February 2026) Investment Plus Money Market at 2.81% APY. Money market rates as of October 13, 2026 according to verified data from MonitorBankRates.
Harrisonburg has 11 local institutions in our database, with money market rates as high as 4.02% APY from University of Virginia Community Credit Union at 210 University Blvd, Harrisonburg, VA 22801. Use the table below to compare all available offers, including options from institutions serving the broader Virginia area. Rates are continually updated, so we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Harrisonburg, Virginia and surrounding area. Last Updated and Verified: October 13, 2026
Compare the Best Money Market Rates Today in Harrisonburg, 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: $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: $100,000 and Greater
- 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
- Oct 2, 20263.56%▲ from 3.56%
- Sep 27, 20263.56%▲ from 3.30%
- Sep 18, 20263.30%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: $1,500,000.00+; Balance Requirement to Avoid Service Charges: Daily average $1,000
Balance: $25,000.00 - $49,999.99
Balance: $250,000.00 and Greater
Balance: $5,000,000.00 and Greater
Balance: $50,000.00 - $249,999.99
Balance: $3,000,000.00 - $4,999,999.99
Balance: $1,000,000.00 & Above
- Sep 24, 20262.81%▲ from 2.66%
- Sep 14, 20262.66%first recorded
Balance: Over $200,000; Requires monthly Electrum Checking activity
Qualifications Required; Balance: Over $200,000; Current as of 10/1/2026
Qualifications Required: Electrum checking account; 15 debit card purchases each month; $1,500 in direct deposits each month; Balance: Over $200,000; Balance ($1,500 minimum); Dividends paid monthly
Balance: $750,000-$1,499,999.99; Balance Requirement to Avoid Service Charges: Daily average $1,000
Balance: Over $100,000; Requires monthly Electrum Checking activity
Qualifications Required; Balance: Over $100,000; Current as of 10/1/2026
Qualifications Required: Electrum checking account; 15 debit card purchases each month; $1,500 in direct deposits each month; Balance: Over $100,000; Balance ($1,500 minimum); Dividends paid monthly
Published APY range: 2.6863% - 1.7354%. Balance: $10,000.01- $50,000; Compounding: Monthly; Blended APY range on balances up to $1 million in this tier; Effective 9/01/2026
- Oct 13, 20262.69%▲ from 1.49%
- Oct 9, 20261.49%first recorded
Published APY range: 2.6863% - 1.7354%. Balance: $10,000.01 - $50,000; Compounding: Monthly; Blended APY range
- Oct 13, 20262.69%▲ from 2.69%
- Sep 18, 20262.69%▼ from 2.69%
- Sep 14, 20262.69%first recorded
Balance: $250,000.00-$749,999.99; Balance Requirement to Avoid Service Charges: Daily average $1,000
Balance: Over $75,000; Requires monthly Electrum Checking activity
Qualifications Required; Balance: Over $75,000; Current as of 10/1/2026
Qualifications Required: Electrum checking account; 15 debit card purchases each month; $1,500 in direct deposits each month; Balance: Over $75,000; Balance ($1,500 minimum); Dividends paid monthly
Balance: $1,000,000.00 - $2,999,999.99
Balance: Over $25,000; Requires monthly Electrum Checking activity
Qualifications Required; Balance: Over $25,000; Current as of 10/1/2026
Qualifications Required: Electrum checking account; 15 debit card purchases each month; $1,500 in direct deposits each month; Balance: Over $25,000; Balance ($1,500 minimum); Dividends paid monthly
Balance: $500,000.00 - $999,999.99
- Sep 24, 20262.61%▲ from 2.46%
- Sep 14, 20262.46%first recorded
Balance: $100,000 - $249,999.99; Balance Requirement to Avoid Service Charges: Daily average $1,000
Balance: Balances to $25,000; Requires monthly Electrum Checking activity
Qualifications Required; Balance: Balances to $25,000; Current as of 10/1/2026
Qualifications Required: Electrum checking account; 15 debit card purchases each month; $1,500 in direct deposits each month; Balance: Balances to $25,000; Balance ($1,500 minimum); Dividends paid monthly
Balance: $1,000.00-$99,999.99; Balance Requirement to Avoid Service Charges: Daily average $1,000
Balance: $250,000.00 - $499,999.99
- Sep 24, 20262.43%▲ from 2.28%
- Sep 14, 20262.28%first recorded
Balance: $500,000.00 - $999,999.99
Balance: $0.00 - $24,999.99
Balance: $25,000.00 - $249,999.99
- Sep 24, 20262.15%▲ from 2.05%
- Sep 14, 20262.05%first recorded
Balance: $250,000.00 - $499,999.99
Balance: $100,000.00 and above
Balance: $2,500.01 to $100,000
APY* is a registered trademark of the Bank.
Balance: $100,000.00 - $249,999.99
APY* is a registered trademark of the Bank.
Balance: Over $200,000; Requires monthly Electrum Checking activity
Qualifications Required; Balance: Over $200,000; Current as of 10/1/2026
Qualifications Required: Electrum checking account; 5 debit card purchases each month; $500 in direct deposits each month; Balance: Over $200,000; Balance ($1,500 minimum); Dividends paid monthly
Published APY range: 1.7354% - 1.4910%. Balance: $50,000.01- $100,000; Compounding: Monthly; Blended APY range on balances up to $1 million in this tier; Effective 9/01/2026
- Oct 13, 20261.74%▲ from 1.24%
- Oct 9, 20261.24%first recorded
Published APY range: 1.7354% - 1.4910%. Balance: $50,000.01 - $100,000; Compounding: Monthly; Blended APY range
- Oct 13, 20261.74%▲ from 1.74%
- Sep 18, 20261.74%▼ from 1.74%
- Sep 14, 20261.74%first recorded
APY* is a registered trademark of the Bank.
Balance: Over $100,000; Requires monthly Electrum Checking activity
Qualifications Required; Balance: Over $100,000; Current as of 10/1/2026
Qualifications Required: Electrum checking account; 5 debit card purchases each month; $500 in direct deposits each month; Balance: Over $100,000; Balance ($1,500 minimum); Dividends paid monthly
Balance: Over $75,000; Requires monthly Electrum Checking activity
Qualifications Required; Balance: Over $75,000; Current as of 10/1/2026
Qualifications Required: Electrum checking account; 5 debit card purchases each month; $500 in direct deposits each month; Balance: Over $75,000; Balance ($1,500 minimum); Dividends paid monthly
Balance: Equal to or greater than $25,000.00
Balance: Over $25,000; Requires monthly Electrum Checking activity
Qualifications Required; Balance: Over $25,000; Current as of 10/1/2026
Qualifications Required: Electrum checking account; 5 debit card purchases each month; $500 in direct deposits each month; Balance: Over $25,000; Balance ($1,500 minimum); Dividends paid monthly
APY* is a registered trademark of the Bank.
Balance: Balances to $25,000; Requires monthly Electrum Checking activity
Qualifications Required; Balance: Balances to $25,000; Current as of 10/1/2026
Qualifications Required: Electrum checking account; 5 debit card purchases each month; $500 in direct deposits each month; Balance: Balances to $25,000; Balance ($1,500 minimum); Dividends paid monthly
Balance: $50,000.00 - $99,999.99
APY* is a registered trademark of the Bank.
Published APY range: 1.4910% - 1.0495%. Balance: $100,000.01 & Above; Compounding: Monthly; Blended APY range on balances up to $1 million in this tier; Effective 9/01/2026
- Oct 13, 20261.49%▲ from 1.00%
- Oct 9, 20261.00%first recorded
Published APY range: 1.4910% - 1.0495%. Balance: $100,000.01 and over; Compounding: Monthly; Blended APY range
- Oct 13, 20261.49%▼ from 1.49%
- Sep 14, 20261.49%first recorded
APY* is a registered trademark of the Bank.
APY* is a registered trademark of the Bank.
Balance: $50,000.00 - $99,999.99
APY* is a registered trademark of the Bank.
APY* is a registered trademark of the Bank.
Balance: Over $200,000; Dividends paid monthly; $1,500 minimum to open
Qualifications Required; Balance: Over $200,000; Current as of 10/1/2026
Qualifications Required: Electrum checking account; no mandatory monthly debit card purchases or direct deposits; Balance: Over $200,000; Balance ($1,500 minimum); Dividends paid monthly
Balance: Over $100,000; Dividends paid monthly; $1,500 minimum to open
Balance: $500,000 - $1 million +
Balance: $25,000.00 - $49,999.99
Balance: $100,000.00 - $499,999.99
Balance: $25,000.00 - $99,999.99
Balance: $10,000.00 - $24,999.99
Balance: $250,000+
Balance: $2,500.00 - $9,999.99
Balance: $100,000 - $249,999.99
Transaction Limits: Limited
Balance: $25,000 - $99,999.99
Balance: $0.00 - $24,999.99
Balance: Below $25,000.00
Balance: $50,001.00 and Greater
Balance: $0.00 - $24,999.99
Balance: $0.00 - $50,000.99
Balance: $1,500.00 - $2,499.99
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.
Harrisonburg, VA Money Market Rate Trends
Compare local Harrisonburg, 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 rose 0.001 points over the past 7 days to 3.078% APY.
Virginia standard MMA rates fell 0.031 points over the past 7 days to 0.721% APY.
Harrisonburg, 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 3.078% 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 Harrisonburg, Virginia.
Money Market Account Earnings in Harrisonburg, 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 (3.078% APY) | Monthly Earnings | Standard MMA (0.721% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $307.83 / year | $25.65 | $72.13 / year | $6.01 |
| $25,000 | $769.58 / year | $64.13 | $180.33 / year | $15.03 |
| $50,000 | $1,539.15 / year | $128.26 | $360.65 / year | $30.05 |
| $100,000 | $3,078.30 / year | $256.53 | $721.30 / year | $60.11 |
| 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: Harrisonburg, Virginia money market rate averages as of October 13, 2026. | ||||
About Our Harrisonburg, Virginia Money Market Rate Database
MonitorBankRates found 11 institutions with branches in Harrisonburg (7 banks, 4 credit unions), plus 21 additional state-chartered and national online institutions available to Harrisonburg residents. 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 Harrisonburg, Virginia.
How to Find the Best Money Market Rates in Harrisonburg, Virginia
What to compare when shopping for a money market account in Harrisonburg, Virginia
To find the best money market APYs in Harrisonburg, Virginia, start with credit unions and online-only banks: Harrisonburg, Virginia has 20 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 3.078% 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. Harrisonburg, Virginia high-yield money market rates currently average 3.078% 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 Harrisonburg, Virginia institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 32 institutions in Harrisonburg, 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 Harrisonburg, Virginia CD rates
- You don’t need check writing and want a lower minimum Harrisonburg, Virginia savings rates
- You need daily transaction access Harrisonburg, Virginia checking rates
Harrisonburg, Virginia Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau
10.5% of residents are 65 or older, below the national average of 17.3%; an unemployment rate of 6.8% (vs. 4.8% nationally) underscores the value of keeping liquid emergency savings. At today’s VA high-yield money market average of 3.078%, saving 10% of the local median salary ($2,285/year) would earn an additional $70 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Harrisonburg, Virginia Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Harrisonburg, Virginia.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current VA Avg APY | 3.078% | View Savings Rates | 0.721%(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 Harrisonburg, Virginia averages tracked in our database as of October 13, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Harrisonburg, 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 Harrisonburg, 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 Harrisonburg, 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 Harrisonburg, Virginia earner is roughly $5,700. At 3.078% APY in a money market account, saving $480/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 3.078% 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 Harrisonburg, Virginia earner makes $22,856/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.078% APY.
Retirement PlannerA $25,000 money market balance earning 3.078% APY grows to roughly $45,844 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 Harrisonburg, 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 Harrisonburg, 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 Harrisonburg, 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 Harrisonburg, Virginia
What is a Money Market Account (MMA)?
Are Money Market accounts in Harrisonburg, Virginia safe?
How often do MMA rates change in Harrisonburg, Virginia?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Harrisonburg, 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 Harrisonburg, Virginia for money market accounts?
Best Money Market Rates in Harrisonburg, Virginia
- University of Virginia Community Credit Union
MaxSaver Money Market Accounts (Savings, IRA, Coverdale ESA Accounts): 4.02% APY - Everence Federal Credit Union
Indexed money market: 4.00% APY - Blue Ridge Bank National Association
Business Money Market Account Special: 3.56% APY - Farmers & Merchants Bank VA
F&M Money Market: 3.22% APY - PCB Pendleton Bank
Investment Plus Money Market: 2.81% APY
Harrisonburg, Virginia Rates & Resources
