Savings Accounts

The Share Savings account establishes you as a member of VSECU and acts as your primary savings account. You can also set up Special Savings accounts to organize your finances or save money for individual expenses. For best results, automate your savings by having a portion of your paycheck deposited directly to your account(s).





Share Savings

You can become a member at VSECU by opening a Share Savings account with a $25 deposit. With this account, you earn a premium rate on savings amounts up to $1,000, with dividends compounded and credited monthly. If you bank with a different financial institution, compare your current earnings to what you could be earning at VSECU.


FEATURES

LOW MONTHLY FEES

Savings accounts shouldn’t cost money.
In most cases, Share Savings accounts in good standing are fee-free. Learn more.

HIGH EARNING

The first $1,000 deposited into your Share Savings account earns a premium interest rate.

MEMBER REWARDS

Your Share Savings account establishes you as a VSECU member, earning you access to a host of Member Rewards.

EASY SETUP

Setting up an account is easy, whether you apply online or visit one our our nine branch locations.


Enter the dollar amount you have to deposit and see how much you could be earning with the VSECU Share Savings account:

Initializing your savings…

Your total return would be 0 earning a blended APY of 0.

Compare that to what other financial institutions are paying and you’ll see that VSECU truly is redefining banking!

Your total return would be 0 earning a blended APY of 0.

Compare that to what other financial institutions are paying and you’ll see that VSECU truly is redefining banking!




Special Savings Account

The Special Savings account is a secondary, optional savings account that you can dedicate to a specific savings goal. You can use these accounts to save for items like tax payments, insurance bills, special events, or just to organize your money.

FEATURES

MONTHLY DIVIDENDS

Your Special Savings account dividends are compounded monthly and credited to your account.

ORGANIZE SAVINGS

By allocating your money to individual accounts, you can organize your your finances and achieve your financial goals.

UNLIMITED ACCOUNTS

With Special Savings accounts, there’s no limit to the number of savings goals you can achieve.

5 minimum balance

$5 MINIMUM BALANCE

To keep your Special Savings accounts open, all you need to do is maintain a $5 balance.


RATES

Account Type APY Minimum Daily Balance to Earn APY
Share Savings: Premium Tier
$0.00 – $1,000.00
1.00% None
Share Savings: Base Tier
$1,000.01 – $10,000.00
1.00% to .19%1 None
Share Savings: Tier 3
$10,000.01 – $25,000.00
.19% to .14%1 None
Share Savings: Tier 4
$25,000.01 – $50,000.00
.14% None
Share Savings: Tier 5
$50,000.01 and over
.14% to .19%1 None
Special Savings: Base Tier
$0.00 – $1,000.00
.10% None
Special Savings: Base Tier
$1,000.01 – $10,000.00
.10% None
Special Savings: Tier 3
$10,000.01 – $25,000.00
.10% None
Special Savings: Tier 4
$25,000.01 – $50,000.00
.10% to .13%1 None
Special Savings: Tier 5
$50,000.01 and over
.13% to .19%1 None

1Annual Percentage Yield (APY) is blended and varies depending on the balance in the account. For disclosure purposes, we used a maximum balance up to $250,000. If you have a balance greater than $250,000 in the account, the APY for Tier 5 may be higher based on the balance in the account.

Rates/APYs listed for special savings accounts also apply to any special savings accounts regardless of type (i.e., fiduciary, rep payee, trust, POA, etc.). Rates and yields effective as of 9/8/2017 and may change after account opening. Fees could reduce earnings.





You can complete this online application to open a credit union savings, checking, money market or certificate of deposit account. You will have the option to fund the account via ACH debit or credit, and if you are an existing member you may do an ACH debit or credit or transfer from an existing account. If you are already a member and want to apply for a product online, it’s easier to apply once you’ve logged into our Online Banking system. That way we can save you time by pre-filling the application with the general information we already have on file for you.





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