Charlottesville, Virginia (VA) Savings Rates - March 2026
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The savings 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 savings rates for Charlottesville, Virginia and the surrounding area include Blue Ridge Bank National AssociationBlue Ridge Bank National Association1807 Seminole Trl, Charlottesville, VA 22901F2.8 ★Texas Ratio: 41.42% Youth Savings Account at 4.50% APY, Primis BankPrimis Bank1770 Timberwood Blvd Ste 100, Charlottesville, VA 22911A+5.0 ★Texas Ratio: 4.80% Primis Business Savings at 4.00% APY, Citizens and Farmers BankCitizens and Farmers Bank304 E Main St, Charlottesville, VA 22902A+5.0 ★Texas Ratio: 0.81% Community Money Market Savings at 3.25% APY, Virginia Credit UnionVirginia Credit Union120 Seminole Ct, Charlottesville, VA 22901A5.0 ★Texas Ratio: 6.74% Health Savings Account at 1.25% APY, and First National Bank VAFirst National Bank VA2208 Ivy Rd, Charlottesville, VA 22903A+5.0 ★Texas Ratio: 2.62% Business Savings at 0.50% APY. Savings rates as of March 25, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Charlottesville, Virginia, and the surrounding area, compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in Charlottesville, Virginia (VA) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Charlottesville, Virginia and the surrounding area. Last Updated and Verified: March 25, 2026
Compare the Best Savings Rates in Charlottesville, Virginia & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Blue Ridge Bank National Association
Institution Rating:
F2.8 ★Texas Ratio: 41.42%
1807 Seminole Trl, Charlottesville, VA 22901
Youth Savings Account
4.50%
$100
▼
Rate4.41%
Min Deposit$100
Min Balance—
UpdatedMar 21, 2026
Details
Qualifying balance up to $15,000.00
Primis Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.80%
1770 Timberwood Blvd Ste 100, Charlottesville, VA 22911
Primis Business Savings
4.00%
$1
▼
Rate3.93%
Min Deposit$1
Min Balance—
UpdatedMar 24, 2026
Details
REFUNDS on [all originating wire fees](https://primisbank.com/limits/#ACH-Limits) other banks charge you to send Primis wires + $10 just because.; Online Only
Blue Ridge Bank National Association
Institution Rating:
F2.8 ★Texas Ratio: 41.42%
1807 Seminole Trl, Charlottesville, VA 22901
Health Savings Account
3.82%
$0
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Blue Ridge Bank National Association
Institution Rating:
F2.8 ★Texas Ratio: 41.42%
1807 Seminole Trl, Charlottesville, VA 22901
Youth Savings Account
3.82%
$0
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Citizens and Farmers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
304 E Main St, Charlottesville, VA 22902
Community Money Market Savings
3.25%
$25,000
▼
Rate0.00%
Min Deposit$25,000
Min Balance—
UpdatedMar 25, 2026
Details
Limited time offer for non-profit business (defined as 501c3) entities only.
Blue Ridge Bank National Association
Institution Rating:
F2.8 ★Texas Ratio: 41.42%
1807 Seminole Trl, Charlottesville, VA 22901
Health Savings Account
3.00%
$100
▼
Rate2.96%
Min Deposit$100
Min Balance—
UpdatedMar 21, 2026
Details
Qualifying balance up to $100,000.00
Blue Ridge Bank National Association
Institution Rating:
F2.8 ★Texas Ratio: 41.42%
1807 Seminole Trl, Charlottesville, VA 22901
Health Savings Account (HSA)
2.76%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Blue Ridge Bank National Association
Institution Rating:
F2.8 ★Texas Ratio: 41.42%
1807 Seminole Trl, Charlottesville, VA 22901
Youth Savings Account
2.76%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Blue Ridge Bank National Association
Institution Rating:
F2.8 ★Texas Ratio: 41.42%
1807 Seminole Trl, Charlottesville, VA 22901
Health Savings Account (HSA)
2.52%
$0
▼
Rate2.49%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Blue Ridge Bank National Association
Institution Rating:
F2.8 ★Texas Ratio: 41.42%
1807 Seminole Trl, Charlottesville, VA 22901
Health Savings Account (HSA)
2.42%
$0
▼
Rate2.39%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Blue Ridge Bank National Association
Institution Rating:
F2.8 ★Texas Ratio: 41.42%
1807 Seminole Trl, Charlottesville, VA 22901
Health Savings Account (HSA)
1.25%
$0
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
120 Seminole Ct, Charlottesville, VA 22901
Health Savings Account
1.25%
$5
▼
Rate1.24%
Min Deposit$5
Min Balance—
UpdatedMar 22, 2026
Details
Blue Ridge Bank National Association
Institution Rating:
F2.8 ★Texas Ratio: 41.42%
1807 Seminole Trl, Charlottesville, VA 22901
Health Savings Account (HSA)
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Blue Ridge Bank National Association
Institution Rating:
F2.8 ★Texas Ratio: 41.42%
1807 Seminole Trl, Charlottesville, VA 22901
Health Savings Account (HSA)
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Blue Ridge Bank National Association
Institution Rating:
F2.8 ★Texas Ratio: 41.42%
1807 Seminole Trl, Charlottesville, VA 22901
Health Savings Account (HSA)
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
First National Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
2208 Ivy Rd, Charlottesville, VA 22903
Business Savings
0.50%
$100
▼
Rate0.50%
Min Deposit$100
Min Balance—
UpdatedMar 24, 2026
Details
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
120 Seminole Ct, Charlottesville, VA 22901
Regular Savings
0.40%
$5
▼
Rate0.40%
Min Deposit$5
Min Balance—
UpdatedMar 22, 2026
Details
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
1658 State Farm Blvd, Charlottesville, VA 22911
IRA Variable Rate Savings
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Blue Ridge Bank National Association
Institution Rating:
F2.8 ★Texas Ratio: 41.42%
1807 Seminole Trl, Charlottesville, VA 22901
Health Savings Account (HSA)
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
1658 State Farm Blvd, Charlottesville, VA 22911
Health Savings Account
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Blue Ridge Bank National Association
Institution Rating:
F2.8 ★Texas Ratio: 41.42%
1807 Seminole Trl, Charlottesville, VA 22901
Youth Savings Account
0.20%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
University of Virginia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
1018 W Main St, Charlottesville, VA 22903 2820
Traditional, Roth & SEP IRA Share Accounts
0.15%
$100
▼
Rate0.15%
Min Deposit$100
Min Balance—
UpdatedMar 22, 2026
Details
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
1658 State Farm Blvd, Charlottesville, VA 22911
Health Savings Account
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
1658 State Farm Blvd, Charlottesville, VA 22911
Personal Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
1658 State Farm Blvd, Charlottesville, VA 22911
PRISM Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Blue Ridge Bank National Association
Institution Rating:
F2.8 ★Texas Ratio: 41.42%
1807 Seminole Trl, Charlottesville, VA 22901
Business Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Blue Ridge Bank National Association
Institution Rating:
F2.8 ★Texas Ratio: 41.42%
1807 Seminole Trl, Charlottesville, VA 22901
Health Savings Account
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Blue Ridge Bank National Association
Institution Rating:
F2.8 ★Texas Ratio: 41.42%
1807 Seminole Trl, Charlottesville, VA 22901
Personal Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Blue Ridge Bank National Association
Institution Rating:
F2.8 ★Texas Ratio: 41.42%
1807 Seminole Trl, Charlottesville, VA 22901
Youth Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Blue Ridge Bank National Association
Institution Rating:
F2.8 ★Texas Ratio: 41.42%
1807 Seminole Trl, Charlottesville, VA 22901
Youth Savings Account
0.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Qualifying balance up to $50,000.99
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
95 Community St, Charlottesville, VA 22911
Health Savings Account
0.07%
$0
▼
Rate0.07%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
$14,999.01 +
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
123 E Main St, Charlottesville, VA 22902
Retirement High Yield Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
University of Virginia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
1018 W Main St, Charlottesville, VA 22903 2820
Business Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
120 Seminole Ct, Charlottesville, VA 22901
Regular Savings
0.05%
$5
▼
Rate0.05%
Min Deposit$5
Min Balance—
UpdatedMar 22, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
123 E Main St, Charlottesville, VA 22902
Platinum Savings
0.05%
$25
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedMar 22, 2026
Details
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
University of Virginia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
1018 W Main St, Charlottesville, VA 22903 2820
Share (Personal) Checking
0.01%
$50
▼
Rate0.01%
Min Deposit$50
Min Balance—
UpdatedMar 22, 2026
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
12011 Sunset Hills Rd Ste 110, Reston, VA 20190 5919
MySavings Youth
7.00%
$0
▼
Rate6.77%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
243 Mclaws Cir Ste 100, Williamsburg, VA 23185 5673
Accelerate It Savings
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Qualifying balance up to $5,000.00
Everence Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.68%
841 Mount Clinton Pike STE B, Harrisonburg, VA 22802
Youth savings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details
Qualifying balance up to $1,000.00
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
3711 Huntington Ave, Newport News, VA 23607
Fast Start Savings
5.00%
$5
▼
Rate4.91%
Min Deposit$5
Min Balance—
UpdatedMar 25, 2026
Details
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
2300 Wards Rd Ste E, Lynchburg, VA 24502
Jump Start Savings
5.00%
$0
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Qualifying balance up to $1,000.00
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
7025A Manchester Blvd, Alexandria, VA 22310
Online Savings Account
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Qualifying balance up to $1,000.00
Apple Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
14260J Centreville Sq, Centreville, VA 20121
Coverdell Education Savings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Chartway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
5700 Cleveland St, Virginia Beach, VA 23462 1752
Smart Steps Savings
4.50%
$0
▼
Rate4.41%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
During the first 6 months after account opening, a promotional APY of 5.00% applies to that portion of the total account balance within the first tier, up to $2,499.99.
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
5175 Parkstone Dr Ste 200, Chantilly, VA 20151 3816
FREEDOM DIRECT SAVINGS
4.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
when you add Direct Deposit to a new or existing Justice Federal Checking Account.
Corporate America Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
13075 Worldgate Dr, Herndon, VA 20170 4374
Business Prosperity Savings
3.75%
$1,000
▼
Rate0.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
Intro rate subject to change
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
6890 Elm St, Mclean, VA 22101
Premier Savings Accounts
3.56%
$0
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
6890 Elm St, Mclean, VA 22101
Premier Savings Accounts
3.46%
$0
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
6890 Elm St, Mclean, VA 22101
Premier Savings Accounts
3.35%
$0
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
7025A Manchester Blvd, Alexandria, VA 22310
High Yield Savings Account
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
6890 Elm St, Mclean, VA 22101
IRA Savings Account
3.25%
$50
▼
Rate3.20%
Min Deposit$50
Min Balance—
UpdatedMar 20, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
6890 Elm St, Mclean, VA 22101
Preferred Savings Accounts
3.25%
$20,000
▼
Rate3.20%
Min Deposit$20,000
Min Balance—
UpdatedMar 20, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
6890 Elm St, Mclean, VA 22101
Premier Savings Accounts
3.25%
$50,000
▼
Rate3.20%
Min Deposit$50,000
Min Balance—
UpdatedMar 20, 2026
Details
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
1448 Park Ave NW, Norton, VA 24273
Share Draft (Peak Checking)
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
based on qualifying criteria**
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice.
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.
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.
Charlottesville, VA Savings Rate Trends
Compare local Charlottesville, VA savings rate quotes against the statewide average
Weekly savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
High-Yield Savings — VA Avg
0.592%
▼ 0.890 from last week
Virginia high-yield savings rates fell 0.890 points this week to 0.592% APY, down from 1.482% last week.
Standard Savings — VA Avg
0.529%
▲ 0.093 from last week
Virginia standard savings rates rose 0.093 points this week to 0.529% APY, up from 0.436% last week.
As of Mar 26, 2026 •
Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Charlottesville, 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 savings 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 Charlottesville, Virginia. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to large national institutions available to savers in VA.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Savings Accounts in Charlottesville, Virginia
What is a High-Yield Savings Account (HYSA)?
A High-Yield Savings Account (HYSA) typically pays significantly higher interest than standard accounts at national brick-and-mortar banks. These accounts, often found at online banks or local credit unions in Virginia, help your money grow faster through a higher APY.
Are savings accounts in Charlottesville, Virginia safe?
Yes, as long as the institution is FDIC insured (for banks) or NCUA insured (for credit unions). This provides federal protection for your deposits in Virginia up to $250,000 per depositor, per institution.
How often do savings rates change in Charlottesville, Virginia?
Savings rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local Virginia rate tables daily to ensure you see the most current high-yield options.
Do I need a minimum deposit to open a savings account?
It depends on the bank. Many online high-yield savings accounts have no minimum deposit requirement, while some traditional banks in Charlottesville, Virginia may require $25–$100 to open an account.
What is the difference between a Savings Account and a Money Market Account?
Both pay interest and are federally insured. Money Market Accounts (MMAs) often come with check-writing privileges or a debit card, making them more flexible, whereas standard savings accounts typically do not.
Are online banks better than local banks in Charlottesville, Virginia?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Charlottesville, Virginia offer in-person customer service, which some customers prefer.
How do I open a savings account in Charlottesville, Virginia?
You can open a savings account online or in-person. You will generally need a government-issued ID, your Social Security number, and an initial deposit to get started.
Best Savings Rates in Charlottesville, Virginia
Here are recent savings rates observed in Charlottesville, Virginia and the surrounding area:
- Blue Ridge Bank National Association
Youth Savings Account — 4.50% APY - Primis Bank
Primis Business Savings — 4.00% APY - Citizens and Farmers Bank
Community Money Market Savings — 3.25% APY - Virginia Credit Union
Health Savings Account — 1.25% APY - First National Bank VA
Business Savings — 0.50% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Charlottesville, Virginia. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 25, 2026
