All Deposit Rates

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Savings Account Rates

Account Type APY Minimum Daily Balance to Earn APY
Share Savings: Premium Tier
$0.00 – $1,000.00
3.00% None
Share Savings: Base Tier
$1,000.01 – $10,000.00
3.00% to .39% None
Share Savings: Tier 3
$10,000.01 – $25,000.00
.39% to .25% None
Share Savings: Tier 4
$25,000.01 – $50,000.00
.25% to .25% None
Share Savings: Tier 5
$50,000.01 and over
.25% to .32% 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% to .13% None
Special Savings: Tier 4
$25,000.01 – $50,000.00
.13% to .19% None
Special Savings: Tier 5
$50,000.01 and over
.19% to .30% None
Annual Percentage Yield (APY) subject to change without notice. APY is blended and varies depending on the balance in the account. Accounts compounded and credited monthly. View Rate Sheet for more requirements.

Checking Account Rates

Account Type APY Minimum Daily Balance to Earn APY
Checking 0.10% None
Annual Percentage Yield (APY) subject to change without notice. Accounts compounded and credited monthly. View Rate Sheet for more requirements.

Certificate Rates

Account Type Minimum Daily Balance to Earn APY APY
Eighteen Month $500 .50%
Two Year $500 1.15%
Three Year $500 1.35%
Four Year $500 1.55%
Five Year $500 2.05%
Six Year $500 2.50%
Penalty for early withdrawal. Annual Percentage Yield (APY) subject to change without notice. Accounts compounded and credited monthly. View Rate Sheet for more requirements.

Money Market Account Rates

Looking for a Money Market account? You’ll probably be shocked to learn that we no longer offer a standard Money Market account. Why? Because VSECU is redefining banking in a way that you’ve never seen before… click here for more details.

Individual Retirement Account Rates

Account Type Minimum Daily Balance to Earn APY APY
IRA Savings None 0.10%
1 Year Certificate $500 .60%
2 Year Certificate $500 1.15%
3 Year Certificate $500 1.35%
4 Year Certificate $500 1.55%
5 Year Certificate $500 2.05%
6 Year Certificate $500 2.50%
Accounts are compounded and credited monthly and charge a penalty for early withdrawal. Annual Percentage Yield (APY) subject to change without notice. View Rate Sheet for more requirements.