Deposits



SAVINGS ACCOUNT 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.



CHECKING ACCOUNT RATES

Account Type APY Minimum Daily Balance to Earn APY
Checking 0.10% None

Rates/APYs listed for checking accounts also apply to any checking accounts regardless of type (i.e., fiduciary, rep payee, trust, POA, etc.). Rates and yields effective as of 9/8/2017 and are subject to change without notice.



21-MONTH CD SPECIAL RATES

Grow your savings faster with our NEW 21-Month CD Special. This limited-time offer is available through August 8, 2018. Don’t miss out! Learn more.

Account Type Minimum Daily Balance to Earn APY Minimum Balance to Open Account APY
21-Month CD (New Money) $500 $500 2.50%

Annual Percentage Yield (APY) listed for certificate accounts also apply to any certificate accounts regardless of type (i.e., fiduciary, rep payee, trust, POA, etc.). APY effective as of 5/16/2018 and subject to change without notice. Limited-time offer until 8/8/2018. Offer requires new money not currently on deposit at VSECU. Fees could reduce earnings. Early withdrawal penalties may apply.


IS ALL OF YOUR MONEY ALREADY WITH VSECU?

Though new money is important to the health of the credit union, we value the loyalty of our members. To demonstrate our appreciation, we are offering a 21-Month CD Special for existing money, which offers a 1.40% APY. As with the new money special offer, this is a limited-time offer that ends on August 8, so act now!

Account Type Minimum Daily Balance to Earn APY Minimum Balance to Open Account APY
21-Month CD (Existing Money) $500 $500 1.40%

Annual Percentage Yield (APY) listed for certificate accounts also apply to any certificate accounts regardless of type (i.e., fiduciary, rep payee, trust, POA, etc.). APY effective as of 5/11/2018 and subject to change without notice. Limited-time offer until 8/8/2018. Fees could reduce earnings. Early withdrawal penalties may apply.



CERTIFICATE RATES

Account Type Minimum Daily Balance to Earn APY Minimum Balance to Open Account APY
One Year $500 $500 .85%
Eighteen Month $500 $500 .90%
Two Year $500 $500 .95%
Three Year $500 $500 1.05
Four Year $500 $500 1.15%
Five Year $500 $500 1.25%

Rates/APYs listed for certificate accounts also apply to any certificate accounts regardless of type (i.e., fiduciary, rep payee, trust, POA, etc.). Rates and yields effective as of 05/11/2018 and may change at maturity. Fees could reduce earnings. Early withdrawal penalties apply.



INDIVIDUAL RETIREMENT ACCOUNT RATES

Account Type Minimum Daily Balance to Earn APY APY
IRA Savings None 0.10%
1 Year Certificate $500 .85%
2 Year Certificate $500 .95%
3 Year Certificate $500 1.05%
4 Year Certificate $500 1.15%
5 Year Certificate $500 1.25%

APYs effective as of 6/19/2017 and may change at maturity. Fees could reduce earnings. Early withdrawal penalties may apply. Seek legal counsel to learn more about tax consequences for IRA certificates.



VGREEN MONEY MARKET ACCOUNT

Tier APY Minimum Daily Balance to Open Account and Earn APY Minimum Daily Balance to Avoid Fee Below Minimum Balance Fee Monthly Transaction Fee Monthly Fee
$1,000-$4,999.99 0.25% $1,000 $1,000 $5/month None None
$5,000-9,999.99 0.30% $1,000 $1,000 $5/month None None
$10,000-$24,999.99 0.40% $1,000 $1,000 $5/month None None
$25,000-49,999.99 0.45% $1,000 $1,000 $5/month None None
$50,000-249,999.99 0.75% $1,000 $1,000 $5/month None None
$250,000.00-$999,999.99 1.25% $1,000 $1,000 $5/month None None
1,000,000.00 and over 2.00% $1,000 $1,000 $5/month None None

Rates/APYs listed for VGreen money market accounts also apply to any VGreen money market accounts regardless of type (i.e., fiduciary, rep payee, trust, POA, etc.). Rates and yields effective as of 5/11/18 and may change after account opening. Fees could reduce earnings.