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Personal Savings

We think you deserve to earn more with your hard-earned savings, so these accounts really put your money to work. Learn more about their features and benefits below. Then stop into one of our branch offices and we'll be happy to open an account for you.

Personal Savings Account

This variable-rate account can be opened with as little as $25. You can make up to six transfers a month, and you can quickly and easily make withdrawals or transfers with your ATM card.

 

 

Commonwealth Money Market Account

Designed for people who want to earn higher interest than a regular savings, this account still gives you access flexibility. You can open an account with a minimum of $1,000. Your interest increases as your balance builds up through five balance tiers with increasing annual percentage yields, and interest is compounded monthly. You can make up to six transfers or withdrawals per statement cycle.


Christmas Clubs

You can make the holiday season even more memorable with this simple, affordable savings plan. Set aside money throughout the year, starting on November 1st. Make weekly or monthly payments using our specially-designed coupon book, and you'll have money for extra special gifts when the next holiday season rolls around. Stop into a branch office and we'll get you started.

 

Regular Certificates of Deposit

Our CDs give you a variety of benefits and flexible terms with a secure investment. Benefits include a low minimum balance of $500, flexible maturity dates from six months to five years, and a fixed interest rate for the term of the Certificate. We'll explain terms, tiers and interest distribution when you sign up in one of our branch offices.


Traditional IRAs

A Traditional IRA is a retirement account that lets you defer taxes on today's contributions until they are withdrawn after retirement, when you're in a lower tax bracket. Click the link below to learn more.

Learn more about Traditional IRAs

 

Roth IRAs

This type of retirement account accepts contributions that are taxed the year they are earned. If you expect to be in a higher tax bracket after retirement, a Roth IRA may be ideal for you.
Click the link below to learn more.

Learn more about Roth IRAs


Coverdell Educational Savings Account

You can have tax advantages today while you save for a child's future education. Your contributions of up to $2000 earn interest that may be tax-free when used for qualified education expenses. Just click below to learn more.

Learn more about Coverdell Educational Savings Accounts

 

 



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Since Virginia Commonwealth is a small bank, dedicated to serving the needs of our local communities, deposit accounts and loan applications are accepted only from residents of the communities served by our branch offices and their surroundings.