Highest Money Market Rates in Virginia
18 Virginia-specific accounts
Top Virginia Rate:3.22% APYFDIC or NCUA Insured
The Virginia market
Virginia accounts
18
Institutions
15
Top Virginia APY
3.22% APY
Nationally: 4.00% APY
FDIC national average
0.63%
As of Sep 2026
18 money market accounts are open only to Virginia residents, from 15 institutions. The highest advertised APY among them is 3.22%.
The highest nationally available rate is 4.00% APY, 78 basis points above the Virginia leader.
14 of the 18 Virginia money market accounts advertise more than the FDIC national average of 0.63% for money market accounts as of Sep 2026.
Virginia-Specific Money Market Accounts
Money market accounts specifically available to Virginia residents.
| Institution | Product / Term | APY |
|---|---|---|
| Farmers & Merchants Bank | F&M Money Marketneeds at least $1,500,000 | Up to3.22% |
| Armed Forces Bank, National Association | Premier Money Marketneeds at least $250,000 · promotional rate | Up to3.05% |
| The Blue Grass Valley Bank | Money Market Accountneeds at least $200,000 | Up to3.04% |
| Pendleton Community Bank, Inc. | Investment Plus Money Marketneeds at least $1,000,000 | 2.81% |
| Gateway First Bank | Gateway Money Marketneeds at least $25,000 | Up to2.50% |
| EagleBank | Eagle Money Market Accountneeds at least $500,000 | Up to2.48% |
| Atlantic Union Bank | Performance Money Market | 2.25% |
| MainStreet Bank | Personal Super Saving Money Marketneeds at least $100,000 | Up to2.20% |
| Calvin B. Taylor Banking Company of Berlin, Maryland | Tiered Money Marketneeds at least $100,000 | Up to1.87% |
| Capon Valley Bank | CVB Premium Money Marketneeds at least $50,000 | Up to1.61% |
| John Marshall Bank | Money Market Accountneeds at least $500,000.01 | Up to1.50% |
| Chain Bridge Bank, National Association | Money Market Accountneeds at least $2,000,000 | Up to1.10% |
| The National Bank of Blacksburg | Money Market Deposit Accountneeds at least $100,000 | Up to0.92% |
| Atlantic Union Bank | Money Market Accountneeds at least $250,000 | Up to0.65% |
| First Horizon Bank | Money Market Savingsneeds at least $50,000 | Up to0.15% |
| First Horizon Bank | TotalView Money Market Savingsneeds at least $50,000 · needs a linked account at the bank | Up to0.15% |
| Presidential Bank | Commercial Money Market | 0.15% |
| MainStreet Bank | Insured Cash Sweep (ICS) Money Market | 0.10% |
Nationally Available Money Market Accounts
The 8 highest-rate money market accounts available nationwide, including in Virginia.
| Institution | Product / Term | APY |
|---|---|---|
| Bank5 Connect | Money Market Account | 4.00% |
| Climate First Bank | Impact Money Market | 3.96% |
| Prime Alliance Bank | Personal Money Market | 3.90% |
| Quontic Bank | Money Market Account | 3.90% |
| Customers Bank | Ascent Money Market Savings Account | 3.63% |
| Sallie Mae Bank | Money Market Account | 3.60% |
| FNBO Direct | Online Money Market Accountneeds at least $500,000 | Up to3.55% |
| U.S. Bank | Elite Money Marketbalances of $25,000 to $9,999,999,999.99 only | Up to3.40% |