Share Savings Account

At Viriva, Your Money Works for You 

Be part of our not-for-profit financial institution and take control of your finances. With better rates, lower fees, and personalized service, you’ll have greater control over your financial goals.

Start a banking relationship by opening a Share Savings Account with a minimum deposit of $5. This account solidifies your membership in Viriva. Not sure where to start? Our team is ready to point you towards financial education resources and tools that will help you achieve your goals, whatever they may be.

Frequently Asked Questions

Is there a minimum balance requirement?

Yes! You must maintain a minimum balance of $5.00 in your Share Savings Account to remain a member of Viriva. Meeting our membership eligibility and maintaining the minimum deposit amount are the only two requirements for starting a banking relationship with Viriva. Learn More about our membership eligibility 

Is my money secure in a Share Savings Account?

At Viriva, your money is secure! Savings and Individual Retirement Accounts are insured separately by NCUA, the National Credit Union Administration, up to at least $250,000 each. Read More about how you can maximize your NCUA insurance coverage.

I want to save for a specific goal. What are my options?

The Share Savings Account is your primary, basic savings account. Your funds are available for withdrawal at any time. 


Keeping funds separate when you are saving for a specific goal makes it easier to manage your finances. Depending on your goals, whether it’s saving for the long-term or short-term, we have many options available to you. 


Can I earn interest on my Share Savings Account?

Yes! You must maintain a daily minimum balance of $50 or more to earn interest on Basic Share and Secondary Share Savings Accounts. Other savings programs are available. Viriva offers very competitive savings rates. View our Rates Here. 


Share & IRA Certificates1,2

TermsMinimum BalanceAnnual Percentage Yield (APY)Dividend Rate
6 Month$5001.66%1.650%
12 Month$5002.17%2.150%
24 Month$5002.47%2.450%
36 Month$5002.68%2.650%
48 Month$5002.88%2.850%
60 Month$5003.09%3.050%