CD Rates Virginia (VA) for April 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Virginia CD rates include PAHO WHOPAHO WHO2300 Wilson Blvd, Arlington, VA 22201A+5.0 ★Texas Ratio: 4.20%Real return: +1.79%APY minus CPI (February 2026) offering 36 Month IRA Certificate at 4.59% APY, Apple Federal Credit UnionApple Federal Credit Union14260J Centreville Sq, Centreville, VA 20121A+5.0 ★Texas Ratio: 0.37%Real return: +1.70%APY minus CPI (February 2026) offering 12-Month Starter Certificate at 4.50% APY, Pen Air Credit UnionPen Air Credit Union7635 Plantation Rd, Roanoke, VA 24019A+5.0 ★Texas Ratio: 3.02%Real return: +1.30%APY minus CPI (February 2026) offering 6 month Certificate Account at 4.10% APY, Autotruck Financial Credit UnionAutotruck Financial Credit Union10800 Main St, Fairfax, VA 22030A+5.0 ★Texas Ratio: 3.26%Real return: +1.26%APY minus CPI (February 2026) offering Share Certificate Accounts 6 Month at 4.06% APY, and Justice Federal Credit UnionJustice Federal Credit Union5175 Parkstone Dr Ste 200, Chantilly, VA 20151 3816A5.0 ★Texas Ratio: 9.17%Real return: +1.20%APY minus CPI (February 2026) offering Traditional IRA and Roth IRA Certificate 36 month at 4.00% APY. CD rates as of April 26, 2026 according to verified data from MonitorBankRates.
We compared 744 CD rates from 84 banks and credit unions available in Virginia to help you find the best bank CD rates and credit union CD rates across all terms.
Use the tables below to compare CD rates across all terms in Virginia side-by-side. Virginia CD rates currently reach as high as 4.59% APY from PAHO WHO at 2300 Wilson Blvd, Arlington, VA 22201. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: April 26, 2026
Compare Best CD Rates in Virginia
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
MITRE Building 2, McLean, VA 22102
3 Month Share Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Special Offer, Special Rate, Limited Time.
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
12 HERBERT ST, Alexandria, VA 22305
3 Month Certificate
$500
3.70%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 26, 2026
Details
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
1448 Park Ave NW, Norton, VA 24273
3 Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.60%
10461 White Granite Dr, Oakton, VA 22124
Jumbo - 90 Day Certificate
$0
2.90%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.59%
2004 Augustine Ave, Fredericksburg, VA 22401
3-Month Share Certificate
$0
2.55%
▼
Rate2.55%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
7635 Plantation Rd, Roanoke, VA 24019
3 month Certificate Account
$0
2.10%
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
10800 Main St, Fairfax, VA 22030
Share Certificate Accounts 3 Month
$0
1.26%
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Regular Accounts
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
5175 Parkstone Dr Ste 200, Chantilly, VA 20151 3816
Traditional IRA and Roth IRA Certificate 3 month
$100,000
1.12%
▼
Rate1.11%
Min Deposit$100,000
Min Balance—
UpdatedApr 26, 2026
Details
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
2300 Wards Rd Ste E, Lynchburg, VA 24502
3 Month Certificate
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
1345 Perimeter Pkwy, Virginia Beach, VA 23454 5882
3-month term Standard CDs
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
FNB Bank, Inc. Romney, WV
Institution Rating:
A5.0 ★Texas Ratio: 13.45%
731 Warrior Dr, Stephens City, VA 22655
3 MONTH CD
$2,500
0.50%
▼
Rate0.50%
Min Deposit$2,500
Min Balance—
UpdatedApr 26, 2026
Details
Chesapeake Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
97 N Main St, Kilmarnock, VA 22482
90 day Certificate
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
FNB of Peterstown
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
110 Old Virginia Ave, Narrows, VA 24124
3 Months Certificate of Deposits
$2,500
0.40%
▼
Rate0.40%
Min Deposit$2,500
Min Balance—
UpdatedApr 26, 2026
Details
Presidential Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
1515 Wilson Blvd, Arlington, VA 22209
90 Day CD
$0
0.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3901 Old Buckingham Rd, Powhatan, VA 23139
3 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 26, 2026
Details
Early withdrawal penalties may apply
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
14419 Chantilly Crossing Ln, Chantilly, VA 20151 2116
IRA Certificates 3 months
$1,000
0.05%
▼
Rate0.05%
Min Deposit$1,000
Min Balance—
UpdatedApr 26, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
44747 Brimfield Dr, Ashburn, VA 20147 5920
3 Months Share Certificate
$500
0.02%
▼
Rate0.02%
Min Deposit$500
Min Balance—
UpdatedApr 26, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
7635 Plantation Rd, Roanoke, VA 24019
6 month Certificate Account
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
PAHO WHO
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
2300 Wilson Blvd, Arlington, VA 22201
6 Month IRA Certificate
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
10800 Main St, Fairfax, VA 22030
Share Certificate Accounts 6 Month
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Regular Accounts
EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
11166 Fairfax Blvd, Fairfax, VA 22030
6 Month CD
$0
3.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
APY accurate as of 04/01/2026; Minimum deposit of $1,000 required to open the CD.
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
44747 Brimfield Dr, Ashburn, VA 20147 5920
6 Months Share Certificate
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 26, 2026
Details
Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
22110 Pacific Blvd Ste 100, Sterling, VA 20166
IRA Certificates - 6 month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
419 Rutherford Ave NE, Roanoke, VA 24022
Regular Certificates 6 month Term
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedApr 26, 2026
Details
Bank of Botetourt
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
19747 Main St, Buchanan, VA 24066
Certificate of Deposit 6 Month Special
$2,500
3.70%
▼
Rate3.67%
Min Deposit$2,500
Min Balance—
UpdatedApr 26, 2026
Details
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
12560 W Creek Pkwy, Richmond, VA 23238 1110
6 months Term Shares Certificate
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
12 HERBERT ST, Alexandria, VA 22305
6 Month Certificate
$500
3.60%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 26, 2026
Details
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
2130 N Glebe Rd, Arlington, VA 22207
6 Month Certificate
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
1800 Tysons Blvd, Tysons, VA 22102
New Money Certificate of Deposit 6 months
$1,000
3.60%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 26, 2026
Details
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.60%
10461 White Granite Dr, Oakton, VA 22124
Jumbo - 6 Month Certificate
$0
3.60%
▼
Rate3.53%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
7575 Colshire Dr, McLean, VA 22102 7508
Bonus Certificates 6 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
243 Mclaws Cir Ste 100, Williamsburg, VA 23185 5673
6 Month Certificate of Deposit (IRA)
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Oak View National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
340 Waterloo Street, Warrenton, VA 20186
6 Month CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Limited time offer; 6 month CD with a 3.50% APY*.
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
1448 Park Ave NW, Norton, VA 24273
6 Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
MITRE Building 2, McLean, VA 22102
6 Month Share Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Special Offer, Special Rate, Limited Time.
Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
78 MEDICAL CENTER DR, FISHERSVILLE, VA 22939
6 Month Share Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Park View Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
1675 Virginia Ave, Harrisonburg, VA 22802
Business Regular Fixed Rate Certificates 6 months
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.20%
4875 Eisenhower Ave, Alexandria, VA 22304 4886
Share Certificate 6 Months
$500
3.49%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 26, 2026
Details
Everest Federal Credit Union
Institution Rating:
F1.5 ★Texas Ratio: 57.24%
10520 Warwick Ave, Fairfax, VA 22030
6-Month CD
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Bronco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.34%
135 Stewart Dr, Franklin, VA 23851
6-Month Share Certificates
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
5288 Providence Rd, Virginia Beach, VA 23464 4204
IRA Certificate - 6 Months
$100,000
3.25%
▼
Rate3.20%
Min Deposit$100,000
Min Balance—
UpdatedApr 26, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
5175 Parkstone Dr Ste 200, Chantilly, VA 20151 3816
Traditional IRA and Roth IRA Certificate 6 month
$100,000
3.16%
▼
Rate3.12%
Min Deposit$100,000
Min Balance—
UpdatedApr 26, 2026
Details
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.59%
2004 Augustine Ave, Fredericksburg, VA 22401
6-Month Share Certificate
$0
3.15%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
3600 OAKLAWN BLVD, HOPEWELL, VA 23860
Share & IRA Share Certificates (6 month term)
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
2778 S EAST SIDE HWY, ELKTON, VA 22827 3628
6 month Certificate
$0
3.10%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
First National Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
622 Broad St, Altavista, VA 24517
6 Month CD
$0
3.02%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Baylands Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.17%
7031 Richmond Rd, Williamsburg, VA 23188 7214
6 months Share Certificate
$0
2.94%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
50 W Commerce Rd, Richmond, VA 23224 2316
6 months Share Certificates
$500
2.75%
▼
Rate2.73%
Min Deposit$500
Min Balance—
UpdatedApr 26, 2026
Details
URW Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.37%
539 Arnett Blvd, Danville, VA 24540
6 Month Share Certificates (Share & IRA)
$1,000
2.53%
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 26, 2026
Details
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
400 N Columbus St, Alexandria, VA 22314
Youth Savings Certificate 6 Month Certificate
$25
2.50%
▼
Rate2.47%
Min Deposit$25
Min Balance—
UpdatedApr 26, 2026
Details
Healthcare Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
8300 Arlington Blvd, Fairfax, VA 22031
6 months Share Certificate
$10,000
2.25%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 26, 2026
Details
NAE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
3701 INDIAN RIVER RD, CHESAPEAKE, VA 23325 2907
6 Months Share & IRA Certificates
$0
2.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Other Terms: 7, 8, 9, 10, & 11
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
2300 Wards Rd Ste E, Lynchburg, VA 24502
6 Month Certificate
$0
2.00%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
American Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
77 Powder Creek Ln, Rocky Mount, VA 24151
6 Month IRA and Share Certificates
$500
1.75%
▼
Rate1.74%
Min Deposit$500
Min Balance—
UpdatedApr 26, 2026
Details
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.27%
1638 Mount Athos Rd, Lynchburg, VA 24504 5429
6 Month Preferred Certificates
$0
1.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
3711 Huntington Ave, Newport News, VA 23607
6-month Share Certificates
$0
1.45%
▼
Rate1.44%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
1345 Perimeter Pkwy, Virginia Beach, VA 23454 5882
6-month term Standard CDs
$0
1.35%
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.67%
501 Dulany St, Alexandria, VA 22314
IRA Certificates 6 Months
$0
1.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Northern Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
5100 George Washington Hwy, Portsmouth, VA 23702
6 Month Certificates of Deposit (CDs)
$1,000
0.75%
▼
Rate0.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 26, 2026
Details
Minimum balance required is $1,000.
FNB Bank, Inc. Romney, WV
Institution Rating:
A5.0 ★Texas Ratio: 13.45%
731 Warrior Dr, Stephens City, VA 22655
6 MONTH CD
$1,000
0.75%
▼
Rate0.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 26, 2026
Details
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
6222 Little River Tpke, Alexandria, VA 22312 1714
6 Month - Certificate
$1,000
0.75%
▼
Rate0.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 26, 2026
Details
FNB of Peterstown
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
110 Old Virginia Ave, Narrows, VA 24124
6 Months Certificate of Deposits
$2,500
0.60%
▼
Rate0.60%
Min Deposit$2,500
Min Balance—
UpdatedApr 26, 2026
Details
KEMBA ROANOKE
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
2812 W MAIN ST, SALEM, VA 24153
6 Month Share Certificates
$500
0.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 26, 2026
Details
Additional Deposits not allowed; Withdrawals allowed; Dividends compounded and credited monthly; Penalties may apply for early withdrawal; Refer to the Member Account Agreement for the Truth in Savings Disclosure related to these accounts.; Rates subject to change without notice. Minimum deposit required to earn dividends varies, please speak to a member representative for more information
Summit Hampton Roads Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
3636 High St, Portsmouth, VA 23707
IRA/Share Certificates 6 Month
$1,000
0.20%
▼
Rate0.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 26, 2026
Details
ValleyStar Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.99%
35 Dupont Rd, Martinsville, VA 24112 4618
6 month Certificates (Business & Consumer)
$0
0.15%
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
14419 Chantilly Crossing Ln, Chantilly, VA 20151 2116
IRA Certificates 6 months
$1,000
0.11%
▼
Rate0.11%
Min Deposit$1,000
Min Balance—
UpdatedApr 26, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3901 Old Buckingham Rd, Powhatan, VA 23139
6 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 26, 2026
Details
Early withdrawal penalties may apply
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Apple Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
14260J Centreville Sq, Centreville, VA 20121
12-Month Starter Certificate
$50
4.50%
▼
Rate—
Min Deposit$50
Min Balance—
UpdatedApr 26, 2026
Details
Add additional funds at any time up to $5,000 maximum.
EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
11166 Fairfax Blvd, Fairfax, VA 22030
12 Month CD
$0
3.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
APY accurate as of 04/01/2026; Minimum deposit of $1,000 required to open the CD.
Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
22110 Pacific Blvd Ste 100, Sterling, VA 20166
IRA Certificates - 12 month
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
10800 Main St, Fairfax, VA 22030
Share Certificate Accounts 12 Month
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Regular Accounts
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
7575 Colshire Dr, McLean, VA 22102 7508
Bonus IRA Certificates 12 Month
$0
3.84%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
44747 Brimfield Dr, Ashburn, VA 20147 5920
12 Months Share Certificate
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 26, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
305 S Railroad Ave, Galax, VA 24333 4024
1-year Certificate
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
[Learn More](https://www.self-help.org/personal/accounts/certificates/term-certificates)
Bank of Hope
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
7410a Little River Tpke, Annandale, VA 22003
12-month CD
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Limited time offer. Only available in our branches.
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
12 HERBERT ST, Alexandria, VA 22305
12 Month Certificate
$500
3.80%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 26, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
6890 Elm St, Mclean, VA 22101
1-Year Share Certificate
$0
3.76%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
50 W Commerce Rd, Richmond, VA 23224 2316
12 months Share Certificates
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedApr 26, 2026
Details
Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
78 MEDICAL CENTER DR, FISHERSVILLE, VA 22939
12 Month Share Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
2778 S EAST SIDE HWY, ELKTON, VA 22827 3628
12 month Certificate
$0
3.75%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
2130 N Glebe Rd, Arlington, VA 22207
12 Month Certificate
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.20%
4875 Eisenhower Ave, Alexandria, VA 22304 4886
Jumbo IRA Share Certificate 12 Months
$100,000
3.65%
▼
Rate3.60%
Min Deposit$100,000
Min Balance—
UpdatedApr 26, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
1800 Tysons Blvd, Tysons, VA 22102
New Money Certificate of Deposit 12 months
$1,000
3.65%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 26, 2026
Details
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.60%
10461 White Granite Dr, Oakton, VA 22124
Jumbo - 1 Year Certificate
$0
3.60%
▼
Rate3.53%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Bank of Botetourt
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
19747 Main St, Buchanan, VA 24066
Certificate of Deposit 12 Month Special
$2,500
3.60%
▼
Rate3.55%
Min Deposit$2,500
Min Balance—
UpdatedApr 26, 2026
Details
URW Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.37%
539 Arnett Blvd, Danville, VA 24540
1 Year Share Certificates (Share & IRA)
$1,000
3.60%
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
UpdatedApr 26, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
243 Mclaws Cir Ste 100, Williamsburg, VA 23185 5673
12 Month Certificate of Deposit (IRA)
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
PAHO WHO
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
2300 Wilson Blvd, Arlington, VA 22201
12 Month IRA Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
12560 W Creek Pkwy, Richmond, VA 23238 1110
12 months Term Shares Certificate
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
SPECTRA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5440 Cherokee Ave Ste 200, Alexandria, VA 22312
IRA 12 months
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
1448 Park Ave NW, Norton, VA 24273
12 Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.59%
2004 Augustine Ave, Fredericksburg, VA 22401
1-Year IRA Share Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
14419 Chantilly Crossing Ln, Chantilly, VA 20151 2116
IRA Certificates 1 year
$100,000
3.50%
▼
Rate3.45%
Min Deposit$100,000
Min Balance—
UpdatedApr 26, 2026
Details
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
419 Rutherford Ave NE, Roanoke, VA 24022
IRA Certificates 1 Year Term
$500
3.50%
▼
Rate3.46%
Min Deposit$500
Min Balance—
UpdatedApr 26, 2026
Details
Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
3600 OAKLAWN BLVD, HOPEWELL, VA 23860
Share & IRA Share Certificates (12 month term)
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
400 N Columbus St, Alexandria, VA 22314
12 Month Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
2 Commercial Pl, Norfolk, VA 23510 2107
IRA Certificate Term 12-Month Fixed
$100,000
3.40%
▼
Rate3.35%
Min Deposit$100,000
Min Balance—
UpdatedApr 26, 2026
Details
$100,000 Minimum to Earn APY
Hopewell Chemical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
702 Elm St, Hopewell, VA 23860
12 Months Share Certificate
$1,000
3.40%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedApr 26, 2026
Details
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
2300 Wards Rd Ste E, Lynchburg, VA 24502
1 Year Certificate
$0
3.35%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Park View Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
1675 Virginia Ave, Harrisonburg, VA 22802
Business Regular Fixed Rate Certificates 1 year
$0
3.35%
▼
Rate3.31%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
5175 Parkstone Dr Ste 200, Chantilly, VA 20151 3816
Traditional IRA and Roth IRA Certificate 12 month
$100,000
3.31%
▼
Rate3.27%
Min Deposit$100,000
Min Balance—
UpdatedApr 26, 2026
Details
Everest Federal Credit Union
Institution Rating:
F1.5 ★Texas Ratio: 57.24%
10520 Warwick Ave, Fairfax, VA 22030
12-Month CD
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Healthcare Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
8300 Arlington Blvd, Fairfax, VA 22031
12 months Share Certificate
$10,000
3.25%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 26, 2026
Details
Presidential Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
1515 Wilson Blvd, Arlington, VA 22209
1 Year CD
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
5288 Providence Rd, Virginia Beach, VA 23464 4204
IRA Certificate - 12 Months
$100,000
3.25%
▼
Rate3.20%
Min Deposit$100,000
Min Balance—
UpdatedApr 26, 2026
Details
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
108 Mcnair Rd, Fort Myer, VA 22211
Certificate of Deposit 12 months
$0
3.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Baylands Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.17%
7031 Richmond Rd, Williamsburg, VA 23188 7214
12 months Share Certificate
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
NAE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
3701 INDIAN RIVER RD, CHESAPEAKE, VA 23325 2907
12 Month Share & IRA Certificates
$0
3.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Other Terms: 13, 15, & 16 Mo
Chesapeake Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
97 N Main St, Kilmarnock, VA 22482
1 year Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
The Blue Grass Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
2583 Blue Grass Valley Rd, Blue Grass, VA 24413
12 Month Certificate of Deposit
$1,000
2.70%
▼
Rate2.68%
Min Deposit$1,000
Min Balance—
UpdatedApr 26, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
7635 Plantation Rd, Roanoke, VA 24019
12 month Certificate Account
$0
2.35%
▼
Rate2.33%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Bronco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.34%
135 Stewart Dr, Franklin, VA 23851
12-Month Share Certificates
$0
2.20%
▼
Rate2.18%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
3711 Huntington Ave, Newport News, VA 23607
12-month Share Certificates
$0
2.01%
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
American Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
77 Powder Creek Ln, Rocky Mount, VA 24151
12 Month IRA and Share Certificates
$500
2.00%
▼
Rate1.98%
Min Deposit$500
Min Balance—
UpdatedApr 26, 2026
Details
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.27%
1638 Mount Athos Rd, Lynchburg, VA 24504 5429
12 Month Preferred Certificates
$0
1.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
6222 Little River Tpke, Alexandria, VA 22312 1714
1 Year - Certificate or IRA Certificate
$1,000
1.76%
▼
Rate1.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 26, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3901 Old Buckingham Rd, Powhatan, VA 23139
1 year Standard Fixed Rate CD
$2,500
1.51%
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedApr 26, 2026
Details
Early withdrawal penalties may apply
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
2130 N Glebe Rd, Arlington, VA 22207
18-Month Certificates
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
APY.*
EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
11166 Fairfax Blvd, Fairfax, VA 22030
18 Month CD
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
APY accurate as of 04/01/2026; Minimum deposit of $1,000 required to open the CD.
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.60%
10461 White Granite Dr, Oakton, VA 22124
18 Month Certificate
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Corporate America Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
13075 Worldgate Dr, Herndon, VA 20170 4374
18-Month Share Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 26, 2026
Details
Save more when you move at least $500 from another financial institution.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
2 Commercial Pl, Norfolk, VA 23510 2107
IRA Certificate Term 18-Month Variable
$100,000
3.69%
▼
Rate3.63%
Min Deposit$100,000
Min Balance—
UpdatedApr 26, 2026
Details
$100,000 Minimum to Earn APY
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
6222 Little River Tpke, Alexandria, VA 22312 1714
Youth Month Certificate Special - 18 Month Term
$100
3.69%
▼
Rate3.64%
Min Deposit$100
Min Balance—
UpdatedApr 26, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
44747 Brimfield Dr, Ashburn, VA 20147 5920
18 Months Share Certificate
$500
3.67%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedApr 26, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
6890 Elm St, Mclean, VA 22101
IRA Variable-Rate Certificate 18-month term
$50
3.66%
▼
Rate3.60%
Min Deposit$50
Min Balance—
UpdatedApr 26, 2026
Details
Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
22110 Pacific Blvd Ste 100, Sterling, VA 20166
IRA Certificates - 18 month
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
50 W Commerce Rd, Richmond, VA 23224 2316
18 months Share Certificates
$500
3.65%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedApr 26, 2026
Details
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
400 N Columbus St, Alexandria, VA 22314
18 Month Certificate
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.20%
4875 Eisenhower Ave, Alexandria, VA 22304 4886
Jumbo IRA Share Certificate 18 Months
$100,000
3.55%
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
UpdatedApr 26, 2026
Details
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.59%
2004 Augustine Ave, Fredericksburg, VA 22401
18-Month Share Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
10800 Main St, Fairfax, VA 22030
Share Certificate Accounts 18 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Regular Accounts
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
419 Rutherford Ave NE, Roanoke, VA 24022
IRA Certificates 18 Month Term
$500
3.50%
▼
Rate3.46%
Min Deposit$500
Min Balance—
UpdatedApr 26, 2026
Details
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
12 HERBERT ST, Alexandria, VA 22305
18 Month Certificate
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 26, 2026
Details
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
1448 Park Ave NW, Norton, VA 24273
18 Month Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
5175 Parkstone Dr Ste 200, Chantilly, VA 20151 3816
Traditional IRA and Roth IRA Certificate 18 month
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedApr 26, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
1345 Perimeter Pkwy, Virginia Beach, VA 23454 5882
18-month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
243 Mclaws Cir Ste 100, Williamsburg, VA 23185 5673
18 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Healthcare Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
8300 Arlington Blvd, Fairfax, VA 22031
18 months Share Certificate
$10,000
3.25%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 26, 2026
Details
Park View Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
1675 Virginia Ave, Harrisonburg, VA 22802
Business Regular Fixed Rate Certificates 18 months
$0
3.20%
▼
Rate3.16%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
NAE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
3701 INDIAN RIVER RD, CHESAPEAKE, VA 23325 2907
18 Months Share & IRA Certificates
$0
3.13%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Other Terms: 19, 20, 21, & 22
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
5288 Providence Rd, Virginia Beach, VA 23464 4204
IRA Certificate - 18 Months
$1,000
3.05%
▼
Rate3.01%
Min Deposit$1,000
Min Balance—
UpdatedApr 26, 2026
Details
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
14419 Chantilly Crossing Ln, Chantilly, VA 20151 2116
IRA Certificates 18 months
$100,000
3.00%
▼
Rate2.96%
Min Deposit$100,000
Min Balance—
UpdatedApr 26, 2026
Details
American Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
77 Powder Creek Ln, Rocky Mount, VA 24151
18 Month IRA and Share Certificates
$1,000
2.75%
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
UpdatedApr 26, 2026
Details
Farmers Bank of Appomattox
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
223 Main St, Appomattox, VA 24522
18 Month Club Certificate
$10,000
2.70%
▼
Rate2.67%
Min Deposit$10,000
Min Balance—
UpdatedApr 26, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
7635 Plantation Rd, Roanoke, VA 24019
18 month Certificate Account
$0
2.40%
▼
Rate2.37%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
The Blue Grass Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
2583 Blue Grass Valley Rd, Blue Grass, VA 24413
18 Month Certificate of Deposit
$1,000
2.35%
▼
Rate2.34%
Min Deposit$1,000
Min Balance—
UpdatedApr 26, 2026
Details
First National Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
622 Broad St, Altavista, VA 24517
Educational IRA 18 Month
$0
2.32%
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
3711 Huntington Ave, Newport News, VA 23607
18-month Share Certificates
$0
2.01%
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Chesapeake Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
97 N Main St, Kilmarnock, VA 22482
18 month Certificate
$0
1.80%
▼
Rate1.79%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.67%
501 Dulany St, Alexandria, VA 22314
IRA Certificates 18 Months
$0
1.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
FNB Bank, Inc. Romney, WV
Institution Rating:
A5.0 ★Texas Ratio: 13.45%
731 Warrior Dr, Stephens City, VA 22655
18 MONTH IRA (Variable)
$100
1.25%
▼
Rate1.24%
Min Deposit$100
Min Balance—
UpdatedApr 26, 2026
Details
FNB of Peterstown
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
110 Old Virginia Ave, Narrows, VA 24124
IRA 18 Months
$0
0.85%
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Bank of Botetourt
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
19747 Main St, Buchanan, VA 24066
Certificate of Deposit 18-Month Special
$2,500
0.55%
▼
Rate0.55%
Min Deposit$2,500
Min Balance—
UpdatedApr 26, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
PAHO WHO
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
2300 Wilson Blvd, Arlington, VA 22201
24 Month IRA Certificate
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
400 N Columbus St, Alexandria, VA 22314
24 Month CD
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
265 Jones St, Gate City, VA 24251
Investment Certificate 1 to 2 Years Jumbo
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Early Withdrawal Penalty: 90 Days' Dividends
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
7575 Colshire Dr, McLean, VA 22102 7508
Bonus IRA Certificates 24 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
11166 Fairfax Blvd, Fairfax, VA 22030
24 Month CD
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
APY accurate as of 04/01/2026; Minimum deposit of $1,000 required to open the CD.
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
6890 Elm St, Mclean, VA 22101
2-year term
$500
3.71%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedApr 26, 2026
Details
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.60%
10461 White Granite Dr, Oakton, VA 22124
Jumbo - 2 Year Certificate
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
44747 Brimfield Dr, Ashburn, VA 20147 5920
24 Months Share Certificate
$500
3.67%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedApr 26, 2026
Details
Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
22110 Pacific Blvd Ste 100, Sterling, VA 20166
IRA Certificates - 24 month
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
12 HERBERT ST, Alexandria, VA 22305
24 Month Certificate
$500
3.65%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 26, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
1800 Tysons Blvd, Tysons, VA 22102
New Money Certificate of Deposit 24 months
$1,000
3.60%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 26, 2026
Details
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.20%
4875 Eisenhower Ave, Alexandria, VA 22304 4886
Jumbo IRA Share Certificate 24 Months
$100,000
3.60%
▼
Rate3.55%
Min Deposit$100,000
Min Balance—
UpdatedApr 26, 2026
Details
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
2130 N Glebe Rd, Arlington, VA 22207
24 Month Certificate
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
3600 OAKLAWN BLVD, HOPEWELL, VA 23860
Share & IRA Share Certificates (24 month term)
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
50 W Commerce Rd, Richmond, VA 23224 2316
24 months Share Certificates
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 26, 2026
Details
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.59%
2004 Augustine Ave, Fredericksburg, VA 22401
2-Year IRA Share Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
419 Rutherford Ave NE, Roanoke, VA 24022
IRA Certificates 2 Year Term
$500
3.50%
▼
Rate3.46%
Min Deposit$500
Min Balance—
UpdatedApr 26, 2026
Details
Call Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
4605 Commerce Rd, Richmond, VA 23234 2233
24-Month Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
As High As
Hopewell Chemical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
702 Elm St, Hopewell, VA 23860
24 Months Share Certificate
$1,000
3.50%
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
UpdatedApr 26, 2026
Details
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
12560 W Creek Pkwy, Richmond, VA 23238 1110
24 months Term Shares Certificate
$0
3.46%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
SPECTRA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5440 Cherokee Ave Ste 200, Alexandria, VA 22312
IRA 24 months
$0
3.45%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
1448 Park Ave NW, Norton, VA 24273
24 Month Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
2 Commercial Pl, Norfolk, VA 23510 2107
IRA Certificate Term 24-Month Fixed
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 26, 2026
Details
$100,000 Minimum to Earn APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
5175 Parkstone Dr Ste 200, Chantilly, VA 20151 3816
Traditional IRA and Roth IRA Certificate 24 month
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedApr 26, 2026
Details
Healthcare Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
8300 Arlington Blvd, Fairfax, VA 22031
24 months Share Certificate
$10,000
3.35%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 26, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
243 Mclaws Cir Ste 100, Williamsburg, VA 23185 5673
24 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
10800 Main St, Fairfax, VA 22030
Share Certificate Accounts 24 Month
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Regular Accounts
NAE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
3701 INDIAN RIVER RD, CHESAPEAKE, VA 23325 2907
24 Months Share & IRA Certificates
$0
3.23%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Other Terms: 30 & 35
Park View Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
1675 Virginia Ave, Harrisonburg, VA 22802
Business Regular Fixed Rate Certificates 2 years
$0
3.20%
▼
Rate3.16%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Baylands Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.17%
7031 Richmond Rd, Williamsburg, VA 23188 7214
24 months Share Certificate
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
URW Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.37%
539 Arnett Blvd, Danville, VA 24540
2 Year Share Certificates (Share & IRA)
$1,000
3.09%
▼
Rate3.05%
Min Deposit$1,000
Min Balance—
UpdatedApr 26, 2026
Details
Bank of Botetourt
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
19747 Main St, Buchanan, VA 24066
24-Month IRA Special
$100
3.03%
▼
Rate3.00%
Min Deposit$100
Min Balance—
UpdatedApr 26, 2026
Details
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
2300 Wards Rd Ste E, Lynchburg, VA 24502
2 Year Certificate
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
American Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
77 Powder Creek Ln, Rocky Mount, VA 24151
24 Month IRA and Share Certificates
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedApr 26, 2026
Details
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
14419 Chantilly Crossing Ln, Chantilly, VA 20151 2116
IRA Certificates 2 years
$100,000
3.00%
▼
Rate2.96%
Min Deposit$100,000
Min Balance—
UpdatedApr 26, 2026
Details
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
5288 Providence Rd, Virginia Beach, VA 23464 4204
IRA Certificate - 24 Months
$100,000
2.85%
▼
Rate2.81%
Min Deposit$100,000
Min Balance—
UpdatedApr 26, 2026
Details
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
6222 Little River Tpke, Alexandria, VA 22312 1714
2 Year - Certificate or IRA Certificate
$1,000
2.78%
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 26, 2026
Details
Presidential Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
1515 Wilson Blvd, Arlington, VA 22209
2 Year CD
$0
2.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
1345 Perimeter Pkwy, Virginia Beach, VA 23454 5882
24-month term Standard CDs
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
7635 Plantation Rd, Roanoke, VA 24019
24 month Certificate Account
$0
2.55%
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Bronco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.34%
135 Stewart Dr, Franklin, VA 23851
24-Month Share Certificates
$0
2.55%
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
78 MEDICAL CENTER DR, FISHERSVILLE, VA 22939
24 Month Share Certificate
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
3711 Huntington Ave, Newport News, VA 23607
24-month Share Certificates
$0
2.01%
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
The Blue Grass Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
2583 Blue Grass Valley Rd, Blue Grass, VA 24413
24 Month Certificate of Deposit
$1,000
2.00%
▼
Rate1.99%
Min Deposit$1,000
Min Balance—
UpdatedApr 26, 2026
Details
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.27%
1638 Mount Athos Rd, Lynchburg, VA 24504 5429
24 Month Preferred Certificates
$0
1.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
VIRGINIA STATE UNIVERSITY
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
3401 Boisseau St, South Chesterfield, VA 23803 2021
24 Months Share Certificate
$500
1.76%
▼
Rate1.75%
Min Deposit$500
Min Balance—
UpdatedApr 26, 2026
Details
Northern Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
5100 George Washington Hwy, Portsmouth, VA 23702
2-Year Certificates of Deposit (CDs)
$1,000
1.75%
▼
Rate1.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 26, 2026
Details
Minimum balance required is $1,000.
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.67%
501 Dulany St, Alexandria, VA 22314
IRA Certificates 24 Months
$0
1.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
FNB Bank, Inc. Romney, WV
Institution Rating:
A5.0 ★Texas Ratio: 13.45%
731 Warrior Dr, Stephens City, VA 22655
24 MONTH CD
$1,000
1.25%
▼
Rate1.24%
Min Deposit$1,000
Min Balance—
UpdatedApr 26, 2026
Details
Virginia Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
12626 Nettles Dr, Newport News, VA 23606
24 Month Share Certificate Account
$1,000
1.20%
▼
Rate1.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 26, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
PAHO WHO
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
2300 Wilson Blvd, Arlington, VA 22201
36 Month IRA Certificate
$0
4.59%
▼
Rate4.50%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
5175 Parkstone Dr Ste 200, Chantilly, VA 20151 3816
Traditional IRA and Roth IRA Certificate 36 month
$100,000
4.00%
▼
Rate3.94%
Min Deposit$100,000
Min Balance—
UpdatedApr 26, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
44747 Brimfield Dr, Ashburn, VA 20147 5920
36 Months Share Certificate
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 26, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
265 Jones St, Gate City, VA 24251
Investment Certificate 2 to 3 Years Jumbo
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Early Withdrawal Penalty: 180 Days' Dividends
Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
3600 OAKLAWN BLVD, HOPEWELL, VA 23860
Share & IRA Share Certificates (36 month term)
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
7575 Colshire Dr, McLean, VA 22102 7508
Bonus Certificates 36 Month
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
6890 Elm St, Mclean, VA 22101
Fixed-Rate Jumbo 3-year term
$100,000
3.71%
▼
Rate3.65%
Min Deposit$100,000
Min Balance—
UpdatedApr 26, 2026
Details
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.60%
10461 White Granite Dr, Oakton, VA 22124
Jumbo - 3 Year Certificate
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Hopewell Chemical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
702 Elm St, Hopewell, VA 23860
36 Months Share Certificate
$1,000
3.70%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 26, 2026
Details
Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
22110 Pacific Blvd Ste 100, Sterling, VA 20166
IRA Certificates - 36 month
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
2 Commercial Pl, Norfolk, VA 23510 2107
IRA Certificate Term 36-Month Variable
$100,000
3.58%
▼
Rate3.52%
Min Deposit$100,000
Min Balance—
UpdatedApr 26, 2026
Details
$100,000 Minimum to Earn APY
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
12 HERBERT ST, Alexandria, VA 22305
36 Month Certificate
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 26, 2026
Details
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
2130 N Glebe Rd, Arlington, VA 22207
36 Month Certificate
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.59%
2004 Augustine Ave, Fredericksburg, VA 22401
3-Year IRA Share Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
419 Rutherford Ave NE, Roanoke, VA 24022
IRA Certificates 3 Year Term
$500
3.50%
▼
Rate3.46%
Min Deposit$500
Min Balance—
UpdatedApr 26, 2026
Details
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.20%
4875 Eisenhower Ave, Alexandria, VA 22304 4886
Jumbo IRA Share Certificate 36 Months
$100,000
3.49%
▼
Rate3.45%
Min Deposit$100,000
Min Balance—
UpdatedApr 26, 2026
Details
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
50 W Commerce Rd, Richmond, VA 23224 2316
36 months Share Certificates
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedApr 26, 2026
Details
SPECTRA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5440 Cherokee Ave Ste 200, Alexandria, VA 22312
IRA 36 months
$0
3.45%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
12560 W Creek Pkwy, Richmond, VA 23238 1110
36 months Term Shares Certificate
$0
3.41%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
1448 Park Ave NW, Norton, VA 24273
36 Month Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
305 S Railroad Ave, Galax, VA 24333 4024
3-year Certificate
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
[Learn More](https://www.self-help.org/personal/accounts/certificates/term-certificates)
Healthcare Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
8300 Arlington Blvd, Fairfax, VA 22031
36 months Share Certificate
$10,000
3.35%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 26, 2026
Details
NAE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
3701 INDIAN RIVER RD, CHESAPEAKE, VA 23325 2907
36 Months Share & IRA Certificates
$0
3.33%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
243 Mclaws Cir Ste 100, Williamsburg, VA 23185 5673
36 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
10800 Main St, Fairfax, VA 22030
Share Certificate Accounts 36 Month
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Regular Accounts
Baylands Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.17%
7031 Richmond Rd, Williamsburg, VA 23188 7214
36 months Share Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
American Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
77 Powder Creek Ln, Rocky Mount, VA 24151
36 Month IRA and Share Certificates
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 26, 2026
Details
Everest Federal Credit Union
Institution Rating:
F1.5 ★Texas Ratio: 57.24%
10520 Warwick Ave, Fairfax, VA 22030
36-Month CD
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
400 N Columbus St, Alexandria, VA 22314
36 Month Certificate
$0
3.20%
▼
Rate3.16%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Park View Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
1675 Virginia Ave, Harrisonburg, VA 22802
Business Regular Fixed Rate Certificates 3 years
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
5288 Providence Rd, Virginia Beach, VA 23464 4204
IRA Certificate - 36 Months
$100,000
3.10%
▼
Rate3.06%
Min Deposit$100,000
Min Balance—
UpdatedApr 26, 2026
Details
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
2300 Wards Rd Ste E, Lynchburg, VA 24502
3 Year Certificate
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
14419 Chantilly Crossing Ln, Chantilly, VA 20151 2116
IRA Certificates 3 years
$100,000
3.00%
▼
Rate2.96%
Min Deposit$100,000
Min Balance—
UpdatedApr 26, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
1345 Perimeter Pkwy, Virginia Beach, VA 23454 5882
36-month term Standard CDs
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
7635 Plantation Rd, Roanoke, VA 24019
36 month Certificate Account
$0
2.65%
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Bronco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.34%
135 Stewart Dr, Franklin, VA 23851
36-Month Share Certificates
$0
2.65%
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Connects Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
7700 Shrader Rd, Richmond, VA 23228
3 Year Certificate
$0
2.62%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
earn
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
6222 Little River Tpke, Alexandria, VA 22312 1714
3 Year - Certificate or IRA Certificate
$1,000
2.52%
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 26, 2026
Details
Presidential Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
1515 Wilson Blvd, Arlington, VA 22209
3 Year CD
$0
2.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
FNB Bank, Inc. Romney, WV
Institution Rating:
A5.0 ★Texas Ratio: 13.45%
731 Warrior Dr, Stephens City, VA 22655
36 MONTH CD
$1,000
2.25%
▼
Rate2.23%
Min Deposit$1,000
Min Balance—
UpdatedApr 26, 2026
Details
Chesapeake Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
97 N Main St, Kilmarnock, VA 22482
3 year Certificate
$0
2.15%
▼
Rate2.13%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
URW Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.37%
539 Arnett Blvd, Danville, VA 24540
3 Year Share Certificates (Share & IRA)
$1,000
2.06%
▼
Rate2.05%
Min Deposit$1,000
Min Balance—
UpdatedApr 26, 2026
Details
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
3711 Huntington Ave, Newport News, VA 23607
36-month Share Certificates
$0
2.06%
▼
Rate2.04%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
VIRGINIA STATE UNIVERSITY
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
3401 Boisseau St, South Chesterfield, VA 23803 2021
36 Months Share Certificate
$500
2.02%
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedApr 26, 2026
Details
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.27%
1638 Mount Athos Rd, Lynchburg, VA 24504 5429
36 Month Preferred Certificates
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Northern Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
5100 George Washington Hwy, Portsmouth, VA 23702
3-Year Certificates of Deposit (CDs)
$1,000
2.00%
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 26, 2026
Details
Minimum balance required is $1,000.
Virginia Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
12626 Nettles Dr, Newport News, VA 23606
36 Month Share Certificate Account
$1,000
1.86%
▼
Rate1.85%
Min Deposit$1,000
Min Balance—
UpdatedApr 26, 2026
Details
The Blue Grass Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
2583 Blue Grass Valley Rd, Blue Grass, VA 24413
36 Month Certificate of Deposit
$500
1.75%
▼
Rate1.74%
Min Deposit$500
Min Balance—
UpdatedApr 26, 2026
Details
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.67%
501 Dulany St, Alexandria, VA 22314
IRA Certificates 36 Months
$0
1.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
FRONT ROYAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
230 N Royal Ave, Front Royal, VA 22630 2616
3 Years Share Certificate
$10,000
0.95%
▼
Rate0.95%
Min Deposit$10,000
Min Balance—
UpdatedApr 26, 2026
Details
Effective April 18, 2023
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
PAHO WHO
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
2300 Wilson Blvd, Arlington, VA 22201
48 Month IRA Certificate
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
3600 OAKLAWN BLVD, HOPEWELL, VA 23860
Share & IRA Share Certificates (48 month term)
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
44747 Brimfield Dr, Ashburn, VA 20147 5920
48 Months Share Certificate
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 26, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
265 Jones St, Gate City, VA 24251
Investment Certificate 3 to 4 Years Jumbo
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Early Withdrawal Penalty: 180 Days' Dividends
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
7575 Colshire Dr, McLean, VA 22102 7508
Bonus Certificates 48 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
6890 Elm St, Mclean, VA 22101
Fixed-Rate Jumbo 4-year term
$100,000
3.66%
▼
Rate3.60%
Min Deposit$100,000
Min Balance—
UpdatedApr 26, 2026
Details
Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
22110 Pacific Blvd Ste 100, Sterling, VA 20166
IRA Certificates - 48 month
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.60%
10461 White Granite Dr, Oakton, VA 22124
4 Year Certificate
$0
3.60%
▼
Rate3.53%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
2130 N Glebe Rd, Arlington, VA 22207
48 Month Certificate
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
12 HERBERT ST, Alexandria, VA 22305
48 Month Certificate
$500
3.58%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 26, 2026
Details
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.59%
2004 Augustine Ave, Fredericksburg, VA 22401
48-Month Share Certificate
$0
3.57%
▼
Rate3.53%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
American Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
77 Powder Creek Ln, Rocky Mount, VA 24151
48 Month IRA and Share Certificates
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 26, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
2 Commercial Pl, Norfolk, VA 23510 2107
IRA Certificate Term 48-Month Fixed
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedApr 26, 2026
Details
$100,000 Minimum to Earn APY
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
10800 Main St, Fairfax, VA 22030
Share Certificate Accounts 48 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Regular Accounts
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
419 Rutherford Ave NE, Roanoke, VA 24022
IRA Certificates 4 Year Term
$500
3.50%
▼
Rate3.46%
Min Deposit$500
Min Balance—
UpdatedApr 26, 2026
Details
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.20%
4875 Eisenhower Ave, Alexandria, VA 22304 4886
Jumbo IRA Share Certificate 48 Months
$100,000
3.49%
▼
Rate3.45%
Min Deposit$100,000
Min Balance—
UpdatedApr 26, 2026
Details
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
12560 W Creek Pkwy, Richmond, VA 23238 1110
48 months Term Shares Certificate
$0
3.41%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
1448 Park Ave NW, Norton, VA 24273
48 Month Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
SPECTRA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5440 Cherokee Ave Ste 200, Alexandria, VA 22312
Share 48 months
$0
3.40%
▼
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Baylands Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.17%
7031 Richmond Rd, Williamsburg, VA 23188 7214
48 months Share Certificate
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
NAE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
3701 INDIAN RIVER RD, CHESAPEAKE, VA 23325 2907
48 Months Share & IRA Certificates
$0
3.33%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
243 Mclaws Cir Ste 100, Williamsburg, VA 23185 5673
48 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Healthcare Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
8300 Arlington Blvd, Fairfax, VA 22031
48 months Share Certificate
$10,000
3.30%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 26, 2026
Details
Everest Federal Credit Union
Institution Rating:
F1.5 ★Texas Ratio: 57.24%
10520 Warwick Ave, Fairfax, VA 22030
48-Month CD
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
400 N Columbus St, Alexandria, VA 22314
48 Month Certificate
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
5175 Parkstone Dr Ste 200, Chantilly, VA 20151 3816
Traditional IRA and Roth IRA Certificate 48 month
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedApr 26, 2026
Details
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
2300 Wards Rd Ste E, Lynchburg, VA 24502
4 Year Certificate
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
FNB Bank, Inc. Romney, WV
Institution Rating:
A5.0 ★Texas Ratio: 13.45%
731 Warrior Dr, Stephens City, VA 22655
48 MONTH IRA (Fixed)
$250
3.00%
▼
Rate2.96%
Min Deposit$250
Min Balance—
UpdatedApr 26, 2026
Details
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
14419 Chantilly Crossing Ln, Chantilly, VA 20151 2116
IRA Certificates 4 years
$100,000
3.00%
▼
Rate2.96%
Min Deposit$100,000
Min Balance—
UpdatedApr 26, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
1345 Perimeter Pkwy, Virginia Beach, VA 23454 5882
48-month term Standard CDs
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
7635 Plantation Rd, Roanoke, VA 24019
48 month Certificate Account
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Park View Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
1675 Virginia Ave, Harrisonburg, VA 22802
Business Regular Fixed Rate Certificates 4 years
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Bronco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.34%
135 Stewart Dr, Franklin, VA 23851
48-Month Share Certificates
$0
2.70%
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
6222 Little River Tpke, Alexandria, VA 22312 1714
4 Year - Certificate or IRA Certificate
$1,000
2.42%
▼
Rate2.40%
Min Deposit$1,000
Min Balance—
UpdatedApr 26, 2026
Details
Northern Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
5100 George Washington Hwy, Portsmouth, VA 23702
4-Year Certificates of Deposit (CDs)
$1,000
2.25%
▼
Rate2.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 26, 2026
Details
Minimum balance required is $1,000.
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
3711 Huntington Ave, Newport News, VA 23607
48-month Share Certificates
$0
2.06%
▼
Rate2.04%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Virginia Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
12626 Nettles Dr, Newport News, VA 23606
48 Month Share Certificate Account
$1,000
1.86%
▼
Rate1.85%
Min Deposit$1,000
Min Balance—
UpdatedApr 26, 2026
Details
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.67%
501 Dulany St, Alexandria, VA 22314
IRA Certificates 48 Months
$0
1.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
FRONT ROYAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
230 N Royal Ave, Front Royal, VA 22630 2616
4 Years Share Certificate
$10,000
1.00%
▼
Rate1.00%
Min Deposit$10,000
Min Balance—
UpdatedApr 26, 2026
Details
Effective April 18, 2023
KEMBA ROANOKE
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
2812 W MAIN ST, SALEM, VA 24153
4 Year Share Certificates
$500
1.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 26, 2026
Details
Additional Deposits not allowed; Withdrawals allowed; Dividends compounded and credited monthly; Penalties may apply for early withdrawal; Refer to the Member Account Agreement for the Truth in Savings Disclosure related to these accounts.; Rates subject to change without notice. Minimum deposit required to earn dividends varies, please speak to a member representative for more information
FNB of Peterstown
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
110 Old Virginia Ave, Narrows, VA 24124
48 Months Certificate of Deposits
$2,500
1.00%
▼
Rate1.00%
Min Deposit$2,500
Min Balance—
UpdatedApr 26, 2026
Details
Bank of Botetourt
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
19747 Main St, Buchanan, VA 24066
CD's 4 Year
$500
0.90%
▼
Rate0.90%
Min Deposit$500
Min Balance—
UpdatedApr 26, 2026
Details
ValleyStar Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.99%
35 Dupont Rd, Martinsville, VA 24112 4618
48 month Certificates (Business & Consumer)
$0
0.42%
▼
Rate0.42%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
PAHO WHO
Institution Rating:
A+5.0 ★Texas Ratio: 4.20%
2300 Wilson Blvd, Arlington, VA 22201
60 Month IRA Certificate
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
3600 OAKLAWN BLVD, HOPEWELL, VA 23860
Share & IRA Share Certificate (60 month term)
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
44747 Brimfield Dr, Ashburn, VA 20147 5920
60 Months Share Certificate
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 26, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
265 Jones St, Gate City, VA 24251
Investment Certificate 4 to 5 Years Jumbo
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Early Withdrawal Penalty: 180 Days' Dividends
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
7575 Colshire Dr, McLean, VA 22102 7508
Bonus Certificates 60 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
American Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
77 Powder Creek Ln, Rocky Mount, VA 24151
60 Month IRA and Share Certificates
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedApr 26, 2026
Details
Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
22110 Pacific Blvd Ste 100, Sterling, VA 20166
IRA Certificates - 60 month
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.59%
2004 Augustine Ave, Fredericksburg, VA 22401
5-Year IRA Share Certificate
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
12 HERBERT ST, Alexandria, VA 22305
60 Month Certificate
$500
3.65%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 26, 2026
Details
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
2130 N Glebe Rd, Arlington, VA 22207
60 Month Certificate
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.20%
4875 Eisenhower Ave, Alexandria, VA 22304 4886
Jumbo IRA Share Certificate 60 Months
$100,000
3.65%
▼
Rate3.60%
Min Deposit$100,000
Min Balance—
UpdatedApr 26, 2026
Details
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.60%
10461 White Granite Dr, Oakton, VA 22124
5 Year Certificate
$0
3.65%
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
6890 Elm St, Mclean, VA 22101
Fixed-Rate Jumbo 5-year term
$100,000
3.61%
▼
Rate3.55%
Min Deposit$100,000
Min Balance—
UpdatedApr 26, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
2 Commercial Pl, Norfolk, VA 23510 2107
IRA Certificate Term 60-Month Fixed
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedApr 26, 2026
Details
$100,000 Minimum to Earn APY
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
10800 Main St, Fairfax, VA 22030
Share Certificate Accounts 60 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Regular Accounts
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
419 Rutherford Ave NE, Roanoke, VA 24022
IRA Certificates 5 Year Term
$500
3.50%
▼
Rate3.46%
Min Deposit$500
Min Balance—
UpdatedApr 26, 2026
Details
Healthcare Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
8300 Arlington Blvd, Fairfax, VA 22031
60 months Share Certificate
$10,000
3.50%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 26, 2026
Details
Baylands Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.17%
7031 Richmond Rd, Williamsburg, VA 23188 7214
60 months Share Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
12560 W Creek Pkwy, Richmond, VA 23238 1110
60 months Term Shares Certificate
$0
3.41%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
SPECTRA
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5440 Cherokee Ave Ste 200, Alexandria, VA 22312
Share 60 months
$0
3.40%
▼
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
1448 Park Ave NW, Norton, VA 24273
60 Month Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
NAE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
3701 INDIAN RIVER RD, CHESAPEAKE, VA 23325 2907
60 Months Share & IRA Certificates
$0
3.33%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
243 Mclaws Cir Ste 100, Williamsburg, VA 23185 5673
60 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
400 N Columbus St, Alexandria, VA 22314
60 Month Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
14419 Chantilly Crossing Ln, Chantilly, VA 20151 2116
IRA Certificates 5 years
$100,000
3.25%
▼
Rate3.20%
Min Deposit$100,000
Min Balance—
UpdatedApr 26, 2026
Details
$100,000 to $249,999
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
5175 Parkstone Dr Ste 200, Chantilly, VA 20151 3816
Traditional IRA and Roth IRA Certificate 60 month
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedApr 26, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
1345 Perimeter Pkwy, Virginia Beach, VA 23454 5882
60-month term Standard CDs
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
5288 Providence Rd, Virginia Beach, VA 23464 4204
IRA Certificate - 60 Months
$100,000
3.10%
▼
Rate3.06%
Min Deposit$100,000
Min Balance—
UpdatedApr 26, 2026
Details
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
2300 Wards Rd Ste E, Lynchburg, VA 24502
5 Year Certificate
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Bronco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.34%
135 Stewart Dr, Franklin, VA 23851
60-Month Share Certificates
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
7635 Plantation Rd, Roanoke, VA 24019
60 month Certificate Account
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Park View Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
1675 Virginia Ave, Harrisonburg, VA 22802
Business Regular Fixed Rate Certificates 5 years
$0
2.85%
▼
Rate2.82%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Chesapeake Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
97 N Main St, Kilmarnock, VA 22482
5 year Certificate
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
FNB Bank, Inc. Romney, WV
Institution Rating:
A5.0 ★Texas Ratio: 13.45%
731 Warrior Dr, Stephens City, VA 22655
60 MONTH CD
$1,000
2.75%
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
UpdatedApr 26, 2026
Details
Presidential Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
1515 Wilson Blvd, Arlington, VA 22209
5 Year CD
$0
2.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Northern Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
5100 George Washington Hwy, Portsmouth, VA 23702
5-Year Certificates of Deposit (CDs)
$1,000
2.50%
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 26, 2026
Details
Minimum balance required is $1,000.
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
6222 Little River Tpke, Alexandria, VA 22312 1714
5 Year - Certificate or IRA Certificate
$1,000
2.42%
▼
Rate2.40%
Min Deposit$1,000
Min Balance—
UpdatedApr 26, 2026
Details
Farmers Bank of Appomattox
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
223 Main St, Appomattox, VA 24522
5 Year Jumbo IRA
$100,000
2.40%
▼
Rate2.35%
Min Deposit$100,000
Min Balance—
UpdatedApr 26, 2026
Details
The Blue Grass Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
2583 Blue Grass Valley Rd, Blue Grass, VA 24413
60 Month Certificate of Deposit
$500
2.25%
▼
Rate2.24%
Min Deposit$500
Min Balance—
UpdatedApr 26, 2026
Details
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
3711 Huntington Ave, Newport News, VA 23607
60-month Share Certificates
$0
2.11%
▼
Rate2.09%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
Virginia Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
12626 Nettles Dr, Newport News, VA 23606
60 Month Share Certificate Account
$1,000
1.86%
▼
Rate1.85%
Min Deposit$1,000
Min Balance—
UpdatedApr 26, 2026
Details
URW Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.37%
539 Arnett Blvd, Danville, VA 24540
5 Year Share Certificates (Share & IRA)
$1,000
1.56%
▼
Rate1.55%
Min Deposit$1,000
Min Balance—
UpdatedApr 26, 2026
Details
FRONT ROYAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
230 N Royal Ave, Front Royal, VA 22630 2616
5 Years Share Certificate
$10,000
1.15%
▼
Rate1.15%
Min Deposit$10,000
Min Balance—
UpdatedApr 26, 2026
Details
Effective April 18, 2023
KEMBA ROANOKE
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
2812 W MAIN ST, SALEM, VA 24153
5 Year Share Certificates
$500
1.10%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 26, 2026
Details
Additional Deposits not allowed; Withdrawals allowed; Dividends compounded and credited monthly; Penalties may apply for early withdrawal; Refer to the Member Account Agreement for the Truth in Savings Disclosure related to these accounts.; Rates subject to change without notice. Minimum deposit required to earn dividends varies, please speak to a member representative for more information
Bank of Botetourt
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
19747 Main St, Buchanan, VA 24066
CD's 5 year
$500
1.00%
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedApr 26, 2026
Details
FNB of Peterstown
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
110 Old Virginia Ave, Narrows, VA 24124
60 Months Certificate of Deposits
$2,500
1.00%
▼
Rate1.00%
Min Deposit$2,500
Min Balance—
UpdatedApr 26, 2026
Details
ValleyStar Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.99%
35 Dupont Rd, Martinsville, VA 24112 4618
60 month Certificates (Business & Consumer)
$0
0.55%
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedApr 26, 2026
Details
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Virginia CD Rate Trends
Compare local Virginia CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — VA Avg
2.229%
Unchanged vs 7 days ago
Virginia 12-month CD rates currently average 2.229% APY based on data from institutions in our monitoring network.
6-Month CD — VA Avg
1.431%
▼ 0.006 vs 7 days ago
Virginia 6-month CD rates fell 0.006 points over the past 7 days to 1.431% APY.
As of Apr 26, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
VA CD Rate Forecast — Next 12 Months
Where are Virginia CD rates headed through April 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
VA 12-Month Avg APY
2.229%
6-Month Forecast
2.229%
Range: 2.03% – 2.38%
12-Month Forecast
1.979%
Range: 1.78% – 2.13%
Powered by
MonitorBankRates
What Your Savings Earn at VA CD Rates Today
Annual interest earnings at today’s Virginia average APYs. State average used where available; national average as fallback.
| CD Term | VA Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 0.497% | $24.87 | $49.74 | $124.35 | $248.70 |
| 6-Month CD | 1.431% | $71.57 | $143.13 | $357.83 | $715.65 |
| 12-Month CD | 2.229% | $111.43 | $222.85 | $557.13 | $1,114.25 |
| 18-Month CD | 2.370% | $118.48 | $236.96 | $592.40 | $1,184.80 |
| 24-Month CD | 2.495% | $124.73 | $249.45 | $623.63 | $1,247.25 |
| 36-Month CD | 2.498% | $124.91 | $249.81 | $624.53 | $1,249.05 |
| 48-Month CD | 2.390% | $119.49 | $238.97 | $597.43 | $1,194.85 |
| 60-Month CD | 2.588% | $129.42 | $258.84 | $647.10 | $1,294.20 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 26, 2026. | |||||
Sample CD Ladder for Virginia Savers
$25,000 split equally across 5 terms using today’s Virginia average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | VA Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 0.497% | $24.87 |
| 2 | 6-Month CD | $5,000 | 1.431% | $71.57 |
| 3 | 12-Month CD | $5,000 | 2.229% | $111.43 |
| 4 | 24-Month CD | $5,000 | 2.495% | $124.73 |
| 5 | 36-Month CD | $5,000 | 2.498% | $124.91 |
| Total ($25,000 invested) | $25,000 | 1.830% blended | $457.51/yr | |
Ladder example uses equal $5,000 rungs and Virginia average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
744
CD Rates
Tracked in Virginia
Tracked in Virginia
20 Banks
50 Credit Unions
About Our Virginia CD Rate Database
MonitorBankRates tracks 744 CD rates from 20 banks and 50 credit unions with locations in Virginia, plus national online institutions available to Virginia residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: PAHO WHO offers a CD at 4.59% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Virginia.
How to Find the Best CD Rates in Virginia
What to compare when shopping for a CD in Virginia
To find the best APYs in Virginia, start with credit unions and online-only banks — Virginia has 50 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in Virginia
- You have a planned expense coming up and want your savings to earn while you wait
- You expect rates to fall and want to lock in today’s rate
- You want FDIC or NCUA protection with a guaranteed fixed return
- You prefer banking with an institution that has a local branch in Virginia — 70 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Virginia savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Virginia money market rates
Virginia Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
16.7%
National avg: 17.3%
Median Individual Earnings
$51,121
National avg: $47,340
Poverty Rate
9.9%
National avg: 11.1%
Unemployment Rate
4.1%
National avg: 4.8%
CD Earnings on 10% of Salary
$114/yr
At VA 12-mo avg 2.229% APY
16.7% of residents are 65 or older — below the national average of 17.3%. At today’s VA 12-month CD average of 2.229%, saving 10% of the local median salary ($5,112/year) and putting it in a CD would earn an additional $114 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Virginia
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
Frequently Asked Questions about CD Rates in Virginia
Are CD rates in Virginia FDIC insured?
Yes, most established banks in Virginia are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.
Do I have to pay state taxes on CD interest in Virginia?
Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Virginia.
Can I withdraw my money early from a CD?
You can, but most institutions charge an Early Withdrawal Penalty — typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.
What is the difference between a Jumbo CD and a regular CD?
Jumbo CDs require a higher minimum deposit — traditionally $100,000 or more. In exchange, banks in Virginia may offer slightly higher APYs compared to standard CDs.
Are fixed-rate CDs better than variable-rate CDs?
Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.
What is a CD ladder?
A CD ladder involves opening multiple CDs with staggered maturity dates — for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.
Best CD rates in Virginia?
Here are recent top rates found for this area:
- PAHO WHO: 4.59% APY (36 Month IRA Certificate)
- Apple Federal Credit Union: 4.50% APY (12-Month Starter Certificate)
- Pen Air Credit Union: 4.10% APY (6 month Certificate Account)
- Autotruck Financial Credit Union: 4.06% APY (Share Certificate Accounts 6 Month)
- Justice Federal Credit Union: 4.00% APY (Traditional IRA and Roth IRA Certificate 36 month)
- Vantage Point Federal Credit Union: 3.97% APY (Share & IRA Share Certificate (60 month term))
- EagleBank: 3.95% APY (6 Month CD)
- Arlington Community Federal Credit Union: 3.90% APY (18-Month Certificates)
- Strategic Federal Credit Union: 3.87% APY (IRA Certificates - 12 month)
- Democracy Federal Credit Union: 3.85% APY (24 Month CD)
Rates reflect recent verified offers available in Virginia. Last Updated: April 26, 2026
CD Calculators for Virginia
Virginia CD Calculator
At today’s VA top rate of 4.59% APY, a $10,000 deposit earns $459 in the first year. Enter your amount to see your exact return.
Virginia CD LadderVA CD rates currently range from 0.497% (3-month) to 2.498% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Virginia CD at 4.59% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsVirginia’s average 12-month CD is 2.229% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Virginia directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Virginia. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in VA.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: April 26, 2026
Cities in Virginia
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