Regular SavingsOpen an account with just $5 and earn competitive returns on balances of $100 or more. Add to the account easily with direct deposit or automatic transfers.Learn more about Regular Savings New Members: Open an account Members: Add an accountEarn dividends up to 0.75%APY?(View Rates)Benefits to help youFree debit card, nationwide ATM access, online banking with eStatements, mobile banking app with mobile deposit, phone banking, and moreMoney Market SavingsGet more for your money and ready access to your funds. Our Premium account requires a minimum balance of $10,000 and our Premium Plus account requires $25,000. The more you save, the more you earn.Learn more about Money Market Savings New Members: Open an account Members: Add an accountAttractive dividends up to 3.25%APYUp to 2.00%(View Rates)Manage your moneyChecking transfers, digital banking access and automatic overdraft protection on checkingSavings CertificatesOpen a certificate with $500 or more and watch your savings grow. Add deposits to select certificates.Learn more about Savings Certificates New Members: Open an account Members: Add an accountEarn dividends up to 4.48%APY?Choose your terms6-60Choose how long to save with terms from 6 to 60 months?Individual Retirement Accounts (IRAs)Explore two options to help you grow retirement savings, starting with $10,000 or $25,000. IRAs can provide tax benefits, but speak to your tax advisor first. Learn more about IRAs Visit Retirement Central®Earn dividends up to 4.48%APY?Grow your accountPayroll deduction and automatic transfersHealth Savings Accounts (HSAs)Pay for future eligible medical expenses with pre-tax dollars. Open an account for just $5. Yearly contribution limits of $4,150 for eligible individuals and $8,300 for eligible families. ? Learn more Health Savings Accounts Visit the HSA Service CenterEarn dividends up to 2.00%APY?Convenient featuresFree debit card, monthly account statement – and your first order of checks is free. Annual service fee.Kids Savings AccountsHelp your kids save for their long-term goals, including college, with savings accounts starting as low as $5. Choose from Regular Savings, Money Market Savings, or Savings Certificates. Learn more Kids Savings Accounts Open an accountEvery dividend0No minimum to earn quarterly dividends?(View Rates)Start saving earlyOversee your child’s access to their money; help birthday and holiday gift money growThese great features come with every savings account: Free debit cardGet a free debit card to make purchases and use at ATMs Nationwide ATMsFind ATMs at VACU locations or shared branches with credit unions nationwide Change JarRound up every purchase to the nearest whole dollar, the “change” goes to savings. Online accessEnjoy free online banking with bill pay & eStatements Automatic transferFund your Savings accounts through direct deposit or paycheck deduction Mobile bankingUse our convenient mobile banking app? with mobile deposit? Phone bankingEnjoy free 24-hour QuikLine phone banking Get started with a Regular Savings account todayPut your money to work for you. Become a credit union member or log in to online banking to open an account today. New members: Open an account Members: Add an account Saving Resources See More Resources Savings FAQsFrequently asked questions about savings. Change JarLooking for a way to jump start your savings? Sign up for Change Jar! The more you use your debit card for purchases, the more you can save. How much could I save over time?Use this calculator to compute the total amount you would be able to save with monthly deposits.