Midlothian, Virginia Money Market Rates - October 2026
Brian McKay
Brian McKay
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Midlothian, Virginia money market account rates range from 0.05% to 4.02% APY, verified by MonitorBankRates as of October 13, 2026. Current Midlothian, Virginia and the surrounding area money market deposit account rates include Virginia Credit UnionVirginia Credit Union11030 Hull Street Rd, Midlothian, VA 23112A5.0 ★Texas Ratio: 6.40%Real return: -0.05%APY minus 2.8% CPI (February 2026) Premium Plus Money Market at 2.75% APY, Call Federal Credit UnionCall Federal Credit Union3640 Call Federal Dr, Midlothian, VA 23112 3457A+5.0 ★Texas Ratio: 2.74%Real return: -0.30%APY minus 2.8% CPI (February 2026) Money Market Accounts at 2.50% APY, Department of Commerce FCUDepartment of Commerce FCU5309 Commonwealth Centre Pkwy Ste 407, Midlothian, VA 23112D2.9 ★Texas Ratio: 20.98%Real return: -0.53%APY minus 2.8% CPI (February 2026) IRA Money Market Accounts at 2.27% APY, Atlantic Union BankAtlantic Union Bank11101 Hull Street Rd, Midlothian, VA 23112A+5.0 ★Texas Ratio: 2.51%Real return: -0.55%APY minus 2.8% CPI (February 2026) Performance Money Market at 2.25% APY, and Navy Federal Credit UnionNavy Federal Credit Union13493 Hull Street Rd, Midlothian, VA 23112 2103A5.0 ★Texas Ratio: 8.14%Real return: -0.65%APY minus 2.8% CPI (February 2026) Jumbo Money Market Savings Account at 2.15% APY. Money market rates as of October 13, 2026 according to verified data from MonitorBankRates.
Midlothian has 8 local institutions in our database, with money market rates as high as 2.75% APY from Virginia Credit Union at 11030 Hull Street Rd, Midlothian, VA 23112. 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 Midlothian, Virginia and surrounding area. Last Updated and Verified: October 13, 2026
Compare the Best Money Market Rates Today in Midlothian, Virginia & the Surrounding Area
- Oct 1, 20262.75%▲ from 2.60%
- Sep 30, 20262.60%first recorded
Balance: $250,000.00 or greater; Dividend Rate 2.47%; Last Dividend Declaration Date: September 15, 2026
- Oct 1, 20262.40%▲ from 2.25%
- Sep 30, 20262.25%first recorded
IRA Money Market Accounts - Traditional, Roth, Education; for balances greater than $50,000
Balance: $0.00 - $24,999.99
IRA Money Market Accounts - Traditional, Roth, Education; for balances from $20,000 to $49,999
Balance: $1,000,000 and over
Balance: greater than $50,000
IRA Money Market Accounts - Traditional, Roth, Education; for balances from $100 - $19,999
Balance: $20,000 - $49,999
Balance: $200,000.00 - $249,999.99; Dividend Rate 1.98%; Last Dividend Declaration Date: September 15, 2026
Balance: $250,000 - up
Balance: greater than $50,000
Balance: greater than $50,000
Balance: $500,000 - $999,999
Balance: $20,000 to $49,999
Balance: $20,000 to $49,999
Balance: $100 to $19,999
Balance: $2,500 to $19,999
Balance: $250,000 - $499,999
Balance: $150,000.00 - $199,999.99; Dividend Rate 1.74%; Last Dividend Declaration Date: September 15, 2026
Balance: $100,000 - $249,999
Balance: $50,000 and over
Balance: $100,000.00 - $149,999.99; Dividend Rate 1.49%; Last Dividend Declaration Date: September 15, 2026
Balance: $250,000 and over
Balance: $100,000 - $249,999.99
Balance: $10,000.00 - $49,999.99; Dividend Rate 1.24%; Last Dividend Declaration Date: September 15, 2026
Balance: $100,000 - $249,999
Balance: $50,000 - $99,999.99
Balance: $25,000 - $49,999
Balance: $10,000 - $24,999
Balance: $25,000 - $49,999.99
Balance: $2,500 - $9,999
Balance: $10,000 and over
Balance: $250,000+
Balance: $50,000 - $99,999
Balance: $100,000 - $249,999.99
Balance: $1,500 - $9,999.99
Balance: $1,000.00 - $9,999.99; Dividend Rate 0.35%; Last Dividend Declaration Date: September 15, 2026
Balance: $20,000 - $49,999
Transaction Limits: Limited
Balance: $25,000 - $99,999.99
Balance: $0 - $99,999
Balance: $100,000.00 and over
Balance: $1,000 - $19,999
Balance: $0.00 - $24,999.99
Balance: $100 - $1,499.99
Balance: $100 - $24,999.99
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
Qualifications Required: Average daily balance (ADB) of $10,000 or more in the Money Market Plus account during the calendar month; maintain any personal or business checking account under the same member number; Balance: $1,000,000 +; APY=Annual Percentage Yield. Rates displayed include a 0.25% APY Relationship Bonus. To earn the Money Market Plus Relationship Bonus Rate, you must maintain any personal or business checking account and an average daily balance (ADB) of $10,000 or more in the Money Market Plus account during the calendar month. Both the checking account and the Money Market Plus account must be under the same member number. The monthly qualification cycle is defined as the period beginning on the first calendar day of the month and ending on the last calendar day of the month. Fees may reduce earnings on the account. Certain conditions and restrictions may apply. Rates are subject to change without notice. Please refer to the Membership Agreement and Disclosures for terms and conditions applicable to specific accounts.
Balance: $1,000,000 and over
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
eMoney Market interest rates and APYs are variable, based on account balances, and subject to change daily without notice. eMoney Market Special rate is for new accounts opened today.
On Balances Between $25,000 and $500,000; Earn 1.50% APY* on Higher Balances; Earn 0.10% APY* on Average Daily Balances under $25,000
- Oct 7, 20263.50%▲ from 1.50%
- Sep 27, 20261.50%first recorded
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; New money is required to qualify for preferred rates.
Preferred rates; New money required to qualify for preferred rates.
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
Annual Percentage Yield (APY). FDIC-insured up to the maximum allowed by law.
Balance: $200,000+
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 Tiers: $0 - $9,999.99 | 0.05% APY; $10,000 - $99,999.99 | 2.60% APY; $100,000 + | 2.80% APY
Balance: $125,000.00 - $199,999.99
Balance: $750,000-$1,499,999.99; Balance Requirement to Avoid Service Charges: Daily average $1,000
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.
Midlothian, VA Money Market Rate Trends
Compare local Midlothian, 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 fell 0.022 points over the past 7 days to 3.053% APY.
Virginia standard MMA rates fell 0.014 points over the past 7 days to 0.744% APY.
Midlothian, 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 3.053% 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 Midlothian, Virginia.
Money Market Account Earnings in Midlothian, 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 (3.053% APY) | Monthly Earnings | Standard MMA (0.744% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $305.30 / year | $25.44 | $74.37 / year | $6.20 |
| $25,000 | $763.25 / year | $63.60 | $185.93 / year | $15.49 |
| $50,000 | $1,526.50 / year | $127.21 | $371.85 / year | $30.99 |
| $100,000 | $3,053.00 / year | $254.42 | $743.70 / year | $61.98 |
| 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: Midlothian, Virginia money market rate averages as of October 13, 2026. | ||||
About Our Midlothian, Virginia Money Market Rate Database
MonitorBankRates found 8 institutions with branches in Midlothian (3 banks, 5 credit unions), plus 36 additional state-chartered and national online institutions available to Midlothian 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: Virginia Credit Union offers a money market account at 2.75% APY with a minimum deposit of $25,000. Use the rate table above to compare all current offers in Midlothian, Virginia.
How to Find the Best Money Market Rates in Midlothian, Virginia
What to compare when shopping for a money market account in Midlothian, Virginia
To find the best money market APYs in Midlothian, Virginia, start with credit unions and online-only banks: Midlothian, Virginia has 30 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 3.053% Use the table above to find the best available offer.
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. Midlothian, Virginia high-yield money market rates currently average 3.053% 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 Midlothian, Virginia institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 44 institutions in Midlothian, Virginia report money market rates to our database.
- You’re among Midlothian, Virginia’s 20.3% of residents aged 65+ for whom liquid, accessible savings complement fixed-income holdings.
- 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 Midlothian, Virginia CD rates
- You don’t need check writing and want a lower minimum Midlothian, Virginia savings rates
- You need daily transaction access Midlothian, Virginia checking rates
Midlothian, Virginia Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau
20.3% of residents are 65 or older, above the national average of 17.3%, making liquid, accessible money market accounts a particularly relevant option in this market. At today’s VA high-yield money market average of 3.053%, saving 10% of the local median salary ($5,910/year) would earn an additional $180 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Midlothian, Virginia Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Midlothian, Virginia.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current VA Avg APY | 3.053% | View Savings Rates | 0.744%(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 Midlothian, 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.
Midlothian, 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 Midlothian, 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 Midlothian, Virginia
At VA’s top money market rate of 2.75% from Virginia Credit Union, a $10,000 deposit earns $275 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Midlothian, Virginia earner is roughly $14,800. At 3.053% APY in a money market account, saving $1,230/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 3.053% 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 Midlothian, Virginia earner makes $59,107/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.053% APY.
Retirement PlannerA $25,000 money market balance earning 3.053% APY grows to roughly $45,620 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 Midlothian, 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 Midlothian, 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 Midlothian, 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 Midlothian, Virginia
What is a Money Market Account (MMA)?
Are Money Market accounts in Midlothian, Virginia safe?
How often do MMA rates change in Midlothian, Virginia?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Midlothian, 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 Midlothian, Virginia for money market accounts?
Best Money Market Rates in Midlothian, Virginia
- Virginia Credit Union
Premium Plus Money Market: 2.75% APY - Call Federal Credit Union
Money Market Accounts: 2.50% APY - Department of Commerce FCU
IRA Money Market Accounts: 2.27% APY - Atlantic Union Bank
Performance Money Market: 2.25% APY - Navy Federal Credit Union
Jumbo Money Market Savings Account: 2.15% APY
Midlothian, Virginia Rates & Resources
