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CD Rate Trends

Virginia Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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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.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 13, 2026

Virginia CD rates range from 0.85% to 6.00% APY, verified by MonitorBankRates as of October 13, 2026. Current Virginia CD rates include Congressional Federal Credit UnionCongressional Federal Credit Union10461 White Granite Dr, Oakton, VA 22124A5.0 ★Texas Ratio: 8.63%Real return: +3.20%APY minus CPI (February 2026) offering Flexible Saver - 1 Year Certificate at 6.00% APY, Truliant Federal Credit UnionTruliant Federal Credit Union7321 Peppers Ferry Blvd, Fairlawn, VA 24141A5.0 ★Texas Ratio: 6.43%Real return: +2.20%APY minus CPI (February 2026) offering Limited-Time 12 Month Term (new external funds required) at 5.00% APY, Apple Federal Credit UnionApple Federal Credit Union14260J Centreville Sq, Centreville, VA 20121A+5.0 ★Texas Ratio: 2.85%Real return: +2.20%APY minus CPI (February 2026) offering 12-Month Starter Certificate at 5.00% APY, Beach Municipal Federal Credit UnionBeach Municipal Federal Credit Union4164 Virginia Beach Blvd, Virginia Beach, VA 23452A+5.0 ★Texas Ratio: 2.63%Real return: +2.20%APY minus CPI (February 2026) offering 60 Month Youth Share Certificate at 5.00% APY, and Skyla Federal Credit UnionSkyla Federal Credit Union5875 Trinity Pkwy Ste 111, Centreville, VA 20120A5.0 ★Texas Ratio: 9.56%Real return: +1.95%APY minus CPI (February 2026) offering 48 Month Elite Jumbo CD at 4.75% APY. CD rates as of October 13, 2026 according to verified data from MonitorBankRates.

Use the tables below to compare CD rates across all terms in Virginia side-by-side. Virginia CD rates currently reach as high as 6.00% APY from Congressional Federal Credit Union at 10461 White Granite Dr, Oakton, VA 22124. Rates are continually updated, so 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: October 13, 2026

Compare Best CD Rates in Virginia

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Virginia 3 Month CD Rates

MonitorBankRates Virginia Average · 3 Month CD1.65% APY▲ 0.08% from last weekNational 2.09%
View 3-month CD rate trend

The average 3-month CD rate in Virginia is 1.65% APY, compared with 2.09% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

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: 3.62%
MITRE Building 2, McLean, VA 22102
Share Certificate - 3 Month
$1,000
4.00% ▲ 2.35% above Virginia avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average1.65%▲ 2.35% above avgNationally 2.09%
Details

Minimum to open $1,000.00

Rate History
No change since Oct 12, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 13, 2026
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
1448 Park Ave NW, Norton, VA 24273
3 Month Certificate
$1,000
4.00% ▲ 2.35% above Virginia avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average1.65%▲ 2.35% above avgNationally 2.09%
Details

Paid monthly

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APYOct 5, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.99%
12 HERBERT ST, Alexandria, VA 22305
Share and IRA Certificate - 3 Month
$500
3.95% ▲ 2.30% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average1.65%▲ 2.30% above avgNationally 2.09%
Details

Minimum Balance to Open and Earn APY; Share/IRA/Roth/ESA

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
4231 Markham Street Units Fandg, Annandale, VA 22003
WooriWON Certificate of Deposit (CD) - 3-Months
$1,000
3.70% ▲ 2.05% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average1.65%▲ 2.05% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 7, 2026: 3.70% APYOct 7, 2026Oct 13, 2026
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
11166 Fairfax Blvd, Fairfax, VA 22030
3 Month Certificate
$1,000
3.65% ▲ 2.00% above Virginia avg
View
▼
Rate3.58%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average1.65%▲ 2.00% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 7, 2026: 3.65% APYOct 7, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
2 Commercial Pl, Norfolk, VA 23510 2107
3 Month IRA Certificate
$0
3.60% ▲ 1.95% above Virginia avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Virginia Average1.65%▲ 1.95% above avgNationally 2.09%
Details

Rate History
No change since Sep 29, 2026 · 3.60% APY
3.10%3.60%4.10%Sep 29, 2026: 3.60% APYSep 29, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
2 Commercial Pl, Norfolk, VA 23510 2107
3 Month Share Certificates
$0
3.60% ▲ 1.95% above Virginia avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Virginia Average1.65%▲ 1.95% above avgNationally 2.09%
Details

Rate History
No change since Sep 29, 2026 · 3.60% APY
3.10%3.60%4.10%Sep 29, 2026: 3.60% APYSep 29, 2026Oct 13, 2026
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
11166 Fairfax Blvd, Fairfax, VA 22030
90 days/13 weeks
$10,000
3.50% ▲ 1.85% above Virginia avg
View
▼
Rate3.44%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average1.65%▲ 1.85% above avgNationally 2.09%
Details

Visit or Call

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 13, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
12011 Sunset Hills Rd Ste 110, Reston, VA 20190 5919
3 Month Share Certificate
$500
3.50% ▲ 1.85% above Virginia avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average1.65%▲ 1.85% above avgNationally 2.09%
Details

Rate History
1 change since Oct 5, 2026 · 3.30% → 3.50% ▲ 0.20 pts · high 3.50% / low 3.30%
2.80%3.40%4.00%Oct 5, 2026: 3.30% APYOct 13, 2026: 3.50% APYOct 5, 2026Oct 13, 2026
  • Oct 13, 20263.50%▲ from 3.30%
  • Oct 5, 20263.30%first recorded
Department of The Interior Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
12201 Sunrise Valley Dr MS 700, Reston, VA 20192
3 Month Certificate
$500
3.04% ▲ 1.39% above Virginia avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average1.65%▲ 1.39% above avgNationally 2.09%
Details

Rate History
No change since Oct 4, 2026 · 3.04% APY · checked 3 times
2.54%3.04%3.54%Oct 4, 2026: 3.04% APYOct 4, 2026Oct 13, 2026
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
105 Arbor Dr, Christiansburg, VA 24073
Standard CDs and IRAs - 3 Month
$0
3.00% ▲ 1.35% above Virginia avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average1.65%▲ 1.35% above avgNationally 2.09%
Details

Schedule an Appointment

Rate History
No change since Oct 7, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 7, 2026: 3.00% APYOct 7, 2026Oct 13, 2026
Calvin B. Taylor Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
4116 Main St, Chincoteague, VA 23336
3 Month Certificate
$1,000
3.00% ▲ 1.35% above Virginia avg
View
▼
Rate2.97%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average1.65%▲ 1.35% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Oct 7, 2026: 3.00% APYOct 7, 2026Oct 13, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
260 S Main St, Rocky Mount, VA 24151
3 Month Certificate
$0
2.94% ▲ 1.29% above Virginia avg
View
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average1.65%▲ 1.29% above avgNationally 2.09%
Details

Rate History
No change since Sep 24, 2026 · 2.94% APY · checked 5 times
2.44%2.94%3.44%Sep 24, 2026: 2.94% APYSep 24, 2026Oct 13, 2026
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
10461 White Granite Dr, Oakton, VA 22124
Jumbo - 90 Day Certificate
$100,000
2.90% ▲ 1.25% above Virginia avg
View
▼
Rate2.85%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average1.65%▲ 1.25% above avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 2.90% APY · checked 2 times
2.40%2.90%3.40%Oct 8, 2026: 2.90% APYOct 8, 2026Oct 13, 2026
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
2004 Augustine Ave, Fredericksburg, VA 22401
3-Month Certificate
$0
2.85% ▲ 1.20% above Virginia avg
View
▼
Rate2.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average1.65%▲ 1.20% above avgNationally 2.09%
Details

Balance: $100.00 - $24,999.99

Rate History
1 change since Sep 21, 2026 · 2.75% → 2.85% ▲ 0.10 pts · high 2.85% / low 2.75%
2.25%2.80%3.35%Sep 21, 2026: 2.75% APYOct 9, 2026: 2.85% APYSep 21, 2026Oct 13, 2026
  • Oct 9, 20262.85%▲ from 2.75%
  • Sep 21, 20262.75%first recorded
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
7321 Peppers Ferry Blvd, Fairlawn, VA 24141
3 Month Term
$0
2.50% ▲ 0.85% above Virginia avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average1.65%▲ 0.85% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 6 times
2.00%2.50%3.00%Sep 18, 2026: 2.50% APYSep 18, 2026Oct 13, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
7321 Peppers Ferry Blvd, Fairlawn, VA 24141
Business 3 Month Term
$0
2.50% ▲ 0.85% above Virginia avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average1.65%▲ 0.85% above avgNationally 2.09%
Details

Balance: $100,000+

Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 5 times
2.00%2.50%3.00%Sep 24, 2026: 2.50% APYSep 24, 2026Oct 13, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
7321 Peppers Ferry Blvd, Fairlawn, VA 24141
3 Month Term
$0
2.45% ▲ 0.80% above Virginia avg
View
▼
Rate2.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average1.65%▲ 0.80% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 2.45% APY · checked 6 times
1.95%2.45%2.95%Sep 18, 2026: 2.45% APYSep 18, 2026Oct 13, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
7321 Peppers Ferry Blvd, Fairlawn, VA 24141
Business 3 Month Term
$0
2.45% ▲ 0.80% above Virginia avg
View
▼
Rate2.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average1.65%▲ 0.80% above avgNationally 2.09%
Details

Balance: $25,000 - $99,999

Rate History
No change since Sep 24, 2026 · 2.45% APY · checked 5 times
1.95%2.45%2.95%Sep 24, 2026: 2.45% APYSep 24, 2026Oct 13, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
7321 Peppers Ferry Blvd, Fairlawn, VA 24141
3 Month Term
$0
2.40% ▲ 0.75% above Virginia avg
View
▼
Rate2.37%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average1.65%▲ 0.75% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 2.40% APY · checked 6 times
1.90%2.40%2.90%Sep 18, 2026: 2.40% APYSep 18, 2026Oct 13, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
7321 Peppers Ferry Blvd, Fairlawn, VA 24141
Business 3 Month Term
$0
2.40% ▲ 0.75% above Virginia avg
View
▼
Rate2.37%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average1.65%▲ 0.75% above avgNationally 2.09%
Details

Balance: $5,000 - $24,999

Rate History
No change since Sep 24, 2026 · 2.40% APY · checked 5 times
1.90%2.40%2.90%Sep 24, 2026: 2.40% APYSep 24, 2026Oct 13, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
7321 Peppers Ferry Blvd, Fairlawn, VA 24141
3 Month Term
$0
2.34% ▲ 0.69% above Virginia avg
View
▼
Rate2.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average1.65%▲ 0.69% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 2.34% APY · checked 6 times
1.84%2.34%2.84%Sep 18, 2026: 2.34% APYSep 18, 2026Oct 13, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
7321 Peppers Ferry Blvd, Fairlawn, VA 24141
Business 3 Month Term
$0
2.34% ▲ 0.69% above Virginia avg
View
▼
Rate2.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average1.65%▲ 0.69% above avgNationally 2.09%
Details

Balance: $250 - $4,999

Rate History
No change since Sep 24, 2026 · 2.34% APY · checked 5 times
1.84%2.34%2.84%Sep 24, 2026: 2.34% APYSep 24, 2026Oct 13, 2026
Farmers & Merchants Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
165 New Market Rd, Timberville, VA 22853
3 Month CD
$1,000
2.27% ▲ 0.62% above Virginia avg
View
▼
Rate2.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average1.65%▲ 0.62% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 2.27% APY · checked 3 times
1.77%2.27%2.77%Oct 7, 2026: 2.27% APYOct 7, 2026Oct 13, 2026
University of Virginia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
1018 W Main St, Charlottesville, VA 22903 2820
3 Month Business Certificate
$500
2.25% ▲ 0.60% above Virginia avg
View
▼
Rate2.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average1.65%▲ 0.60% above avgNationally 2.09%
Details

Compounding: N/A

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 4 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 13, 2026
University of Virginia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
1018 W Main St, Charlottesville, VA 22903 2820
3 Month Certificates
$500
2.25% ▲ 0.60% above Virginia avg
View
▼
Rate2.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average1.65%▲ 0.60% above avgNationally 2.09%
Details

Compounding: N/A; Effective 5/02/2026

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 5 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 13, 2026
University of Virginia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
1018 W Main St, Charlottesville, VA 22903 2820
3 Month IRA Certificates
$500
2.25% ▲ 0.60% above Virginia avg
View
▼
Rate2.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average1.65%▲ 0.60% above avgNationally 2.09%
Details

Compounding: Monthly; Traditional, Roth, SEP IRA, and Coverdell ESA Certificate Accounts; Penalty for early withdrawal applies

Rate History
No change since Oct 13, 2026 · 2.25% APY
1.75%2.25%2.75%Oct 13, 2026: 2.25% APYOct 13, 2026Oct 13, 2026
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
7635 Plantation Rd, Roanoke, VA 24019
3 Month Certificate
$0
2.10% ▲ 0.45% above Virginia avg
View
▼
Rate2.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average1.65%▲ 0.45% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.10% APY · checked 2 times
1.60%2.10%2.60%Sep 14, 2026: 2.10% APYSep 14, 2026Oct 13, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2401 Sheila Ln, Richmond, VA 23225
3 Month CD
$500
2.00% ▲ 0.35% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average1.65%▲ 0.35% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 7 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 13, 2026
Freedom Bank of Virginia
Institution Rating:
C+4.2 ★Texas Ratio: 24.99%
10555 Main St, Fairfax, VA 22030
3 Month Certificate
$500
1.65% At Virginia avg
View
▼
Rate1.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average1.65%At the averageNationally 2.09%
Details

Rate History
No change since Sep 9, 2026 · 1.65% APY · checked 8 times
1.15%1.65%2.15%Sep 9, 2026: 1.65% APYSep 9, 2026Oct 13, 2026
Chain Bridge Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1445a Laughlin Ave, Mclean, VA 22101
Certificates Of Deposit - 3 Months
$500
1.50% ▼ 0.15% below Virginia avg
View
▼
Rate1.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average1.65%▼ 0.15% below avgNationally 2.09%
Details

Rate History
No change since Sep 8, 2026 · 1.50% APY · checked 5 times
1.00%1.50%2.00%Sep 8, 2026: 1.50% APYSep 8, 2026Oct 13, 2026
The National Capital Bank of Washington
Institution Rating:
A-5.0 ★Texas Ratio: 14.51%
2505 Wilson Blvd, Arlington, VA 22201
Platinum Account Holders Certificates of Deposit 3 Months
$1,000
1.36% ▼ 0.29% below Virginia avg
View
▼
Rate1.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Virginia Average1.65%▼ 0.29% below avgNationally 2.09%
Details

Early Withdrawl Penalty: 30 days' simple interest

Rate History
No change since Sep 19, 2026 · 1.36% APY · checked 7 times
0.86%1.36%1.86%Sep 19, 2026: 1.36% APYSep 19, 2026Oct 13, 2026
The National Capital Bank of Washington
Institution Rating:
A-5.0 ★Texas Ratio: 14.51%
2505 Wilson Blvd, Arlington, VA 22201
Certificates of Deposit 3 Months
$1,000
1.26% ▼ 0.39% below Virginia avg
View
▼
Rate1.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Virginia Average1.65%▼ 0.39% below avgNationally 2.09%
Details

Early Withdrawl Penalty: 30 days' simple interest

Rate History
No change since Sep 7, 2026 · 1.26% APY · checked 8 times
0.76%1.26%1.76%Sep 7, 2026: 1.26% APYSep 7, 2026Oct 13, 2026
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
10800 Main St, Fairfax, VA 22030
3 Month Share Certificate Accounts - Regular Accounts
$0
1.26% ▼ 0.39% below Virginia avg
View
▼
Rate1.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average1.65%▼ 0.39% below avgNationally 2.09%
Details

Minimum Balance Required to Earn the Stated APY

Rate History
No change since Sep 22, 2026 · 1.26% APY · checked 4 times
0.76%1.26%1.76%Sep 22, 2026: 1.26% APYSep 22, 2026Oct 13, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
5175 Parkstone Dr Ste 200, Chantilly, VA 20151 3816
Jumbo Share Certificate - 3 month
$100,000
1.12% ▼ 0.53% below Virginia avg
View
▼
Rate1.11%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average1.65%▼ 0.53% below avgNationally 2.09%
Details

Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase

Rate History
No change since Oct 12, 2026 · 1.12% APY
0.62%1.12%1.62%Oct 12, 2026: 1.12% APYOct 12, 2026Oct 13, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
5175 Parkstone Dr Ste 200, Chantilly, VA 20151 3816
Jumbo Traditional and Roth IRA Certificate - 3 month
$100,000
1.12% ▼ 0.53% below Virginia avg
View
▼
Rate1.11%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average1.65%▼ 0.53% below avgNationally 2.09%
Details

Rate includes a 10 basis point Justice National Account or Beyond the Badge relationship rate increase; Traditional IRA and Roth IRA Certificate Rates

Rate History
No change since Oct 12, 2026 · 1.12% APY
0.62%1.12%1.62%Oct 12, 2026: 1.12% APYOct 12, 2026Oct 13, 2026
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
1310 Braddock Pl, Alexandria, VA 22314 1691
3 Month Business Share Certificates Plus Jumbo
$0
1.11% ▼ 0.54% below Virginia avg
View
▼
Rate1.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average1.65%▼ 0.54% below avgNationally 2.09%
Details

$200,000; Balance: $200,000 Plus Jumbo

Rate History
No change since Oct 7, 2026 · 1.11% APY · checked 2 times
0.61%1.11%1.61%Oct 7, 2026: 1.11% APYOct 7, 2026Oct 13, 2026
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
1310 Braddock Pl, Alexandria, VA 22314 1691
3 Month Smart Share Certificate Plus Jumbo
$0
1.11% ▼ 0.54% below Virginia avg
View
▼
Rate1.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average1.65%▼ 0.54% below avgNationally 2.09%
Details

$200,000; Balance: $200,000 Plus Jumbo

Rate History
No change since Sep 24, 2026 · 1.11% APY · checked 4 times
0.61%1.11%1.61%Sep 24, 2026: 1.11% APYSep 24, 2026Oct 13, 2026
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
1310 Braddock Pl, Alexandria, VA 22314 1691
3 Month Business Share Certificates
$0
1.06% ▼ 0.59% below Virginia avg
View
▼
Rate1.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average1.65%▼ 0.59% below avgNationally 2.09%
Details

$100,000 -$199,999; Balance: $100,000 -$199,999

Rate History
No change since Oct 7, 2026 · 1.06% APY · checked 2 times
0.56%1.06%1.56%Oct 7, 2026: 1.06% APYOct 7, 2026Oct 13, 2026
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
1310 Braddock Pl, Alexandria, VA 22314 1691
3 Month Smart Share Certificate
$0
1.06% ▼ 0.59% below Virginia avg
View
▼
Rate1.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average1.65%▼ 0.59% below avgNationally 2.09%
Details

$100,000 -$199,999; Balance: $100,000 - $199,999

Rate History
No change since Sep 24, 2026 · 1.06% APY · checked 4 times
0.56%1.06%1.56%Sep 24, 2026: 1.06% APYSep 24, 2026Oct 13, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
5175 Parkstone Dr Ste 200, Chantilly, VA 20151 3816
Share Certificate - 3 month
$500
1.02% ▼ 0.63% below Virginia avg
View
▼
Rate1.01%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average1.65%▼ 0.63% below avgNationally 2.09%
Details

Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase

Rate History
1 change since Sep 25, 2026 · 1.12% → 1.02% ▼ 0.10 pts · high 1.12% / low 1.02%
0.52%1.07%1.62%Sep 25, 2026: 1.12% APYOct 12, 2026: 1.02% APYSep 25, 2026Oct 13, 2026
  • Oct 12, 20261.02%▼ from 1.12%
  • Sep 25, 20261.12%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
5175 Parkstone Dr Ste 200, Chantilly, VA 20151 3816
Traditional and Roth IRA Certificate - 3 month
$500
1.02% ▼ 0.63% below Virginia avg
View
▼
Rate1.01%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average1.65%▼ 0.63% below avgNationally 2.09%
Details

Rate includes a 10 basis point Justice National Account (JNA) or Beyond the Badge relationship rate increase; Traditional and Roth IRA

Rate History
No change since Oct 12, 2026 · 1.02% APY
0.52%1.02%1.52%Oct 12, 2026: 1.02% APYOct 12, 2026Oct 13, 2026
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
1310 Braddock Pl, Alexandria, VA 22314 1691
3 Month Business Share Certificates
$0
1.01% ▼ 0.64% below Virginia avg
View
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average1.65%▼ 0.64% below avgNationally 2.09%
Details

$99,999; Balance: less than $99,999

Rate History
1 change since Sep 18, 2026 · 1.06% → 1.01% ▼ 0.05 pts · high 1.06% / low 1.01%
0.51%1.04%1.56%Sep 18, 2026: 1.06% APYSep 24, 2026: 1.01% APYSep 18, 2026Oct 13, 2026
  • Sep 24, 20261.01%▼ from 1.06%
  • Sep 18, 20261.06%first recorded
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
1310 Braddock Pl, Alexandria, VA 22314 1691
3 Month Smart Share Certificate
$0
1.01% ▼ 0.64% below Virginia avg
View
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average1.65%▼ 0.64% below avgNationally 2.09%
Details

$99,999; Balance: less than $99,999

Rate History
No change since Sep 24, 2026 · 1.01% APY · checked 4 times
0.51%1.01%1.51%Sep 24, 2026: 1.01% APYSep 24, 2026Oct 13, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
8401 Digges Rd, Manassas, VA 20110
3 Month - Relationship
$0
1.00% ▼ 0.65% below Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average1.65%▼ 0.65% below avgNationally 2.09%
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Oct 7, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 7, 2026: 1.00% APYOct 7, 2026Oct 13, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
8401 Digges Rd, Manassas, VA 20110
3 Month Certificate
$0
1.00% ▼ 0.65% below Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average1.65%▼ 0.65% below avgNationally 2.09%
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 6 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 13, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
8401 Digges Rd, Manassas, VA 20110
3 Month TD Choice CD
$250
1.00% ▼ 0.65% below Virginia avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average1.65%▼ 0.65% below avgNationally 2.09%
Details

Relationship APY; Balance: $250.00 - $9,999.99

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Oct 13, 2026
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
2300 Wards Rd Ste E, Lynchburg, VA 24502
3 Month Certificate
$500
1.00% ▼ 0.65% below Virginia avg
View
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average1.65%▼ 0.65% below avgNationally 2.09%
Details

Savings and IRA (Traditional, Roth, Coverdell) Share Certificates

Rate History
No change since Oct 8, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 8, 2026: 1.00% APYOct 8, 2026Oct 13, 2026
Benchmark Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
100 S Broad St, Kenbridge, VA 23944
Premium - 3 Months
$0
0.85% ▼ 0.80% below Virginia avg
View
▼
Rate0.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average1.65%▼ 0.80% below avgNationally 2.09%
Details

Rate History
No change since Sep 8, 2026 · 0.85% APY · checked 5 times
0.35%0.85%1.35%Sep 8, 2026: 0.85% APYSep 8, 2026Oct 13, 2026
Capon Valley Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.21%
6701 Northwestern Pike, Gore, VA 22637
3 Month CD
$500
0.85% ▼ 0.80% below Virginia avg
View
▼
Rate0.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average1.65%▼ 0.80% below avgNationally 2.09%
Details

Rate History
1 change since Sep 14, 2026 · 0.55% → 0.85% ▲ 0.30 pts · high 0.85% / low 0.55%
0.05%0.70%1.35%Sep 14, 2026: 0.55% APYSep 24, 2026: 0.85% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20260.85%▲ from 0.55%
  • Sep 14, 20260.55%first recorded

Virginia 6 Month CD Rates

MonitorBankRates Virginia Average · 6 Month CD2.69% APY▲ 0.05% from last weekNational 2.78%
View 6-month CD rate trend

The average 6-month CD rate in Virginia is 2.69% APY, compared with 2.78% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Beacon Credit Union Incorporated
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
6320 Logans Ln, Lynchburg, VA 24502
Promotional Certificates - Limited Time Special - 6 Months
$2,500
4.35% ▲ 1.66% above Virginia avg
View
▼
Rate4.27%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.69%▲ 1.66% above avgNationally 2.78%
Details

Minimum to Open: $2,500; Balance to Earn APY: $2,500; Promotional certificate rate valid on new money only; early withdrawal penalty is 90 days of dividend whether earned or not

Rate History
No change since Oct 13, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 13, 2026: 4.35% APYOct 13, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
1680 Capital One Dr, Mclean, VA 22102
6 Month 360 CDs
$0
4.30% ▲ 1.61% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.69%▲ 1.61% above avgNationally 2.78%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
Chartway Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
5700 Cleveland St, Virginia Beach, VA 23462 1752
6-Month Promo Certificate
$0
4.30% ▲ 1.61% above Virginia avg
View
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.69%▲ 1.61% above avgNationally 2.78%
Details

Promotional Certificates are available for new and existing members of Chartway Credit Union. To qualify for the offer, certificates must be funded completely with new deposits. New Deposits are defined as funds not currently on deposit with Chartway Credit Union. Rate effective date April 1, 2026. Penalty for early withdrawal. Fees could reduce earnings on the account. The certificate has a minimum $500 balance ($100 if under 18 years old) to open. The 13-month certificate will renew at the current 6-month certificate rate.

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 6 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1130 W Broad St, Falls Church, VA 22046 2114
6 Month Share Certificate
$0
4.30% ▲ 1.61% above Virginia avg
View
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.69%▲ 1.61% above avgNationally 2.78%
Details

Balance: $1,000

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
3.50%4.15%4.80%Sep 18, 2026: 4.00% APYSep 27, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20264.30%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
419 Rutherford Ave NE, Roanoke, VA 24022
6 month Term Regular Certificate
$500
4.25% ▲ 1.56% above Virginia avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average2.69%▲ 1.56% above avgNationally 2.78%
Details

Minimum: $500 minimum opening balance

Rate History
No change since Oct 10, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 10, 2026: 4.25% APYOct 10, 2026Oct 13, 2026
SFGI Direct
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
100 S Fairfax St, Alexandria, VA 22314
6-Month CD
$1,000
4.20% ▲ 1.51% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.69%▲ 1.51% above avgNationally 2.78%
Details

A competitive rate with a shorter commitment

Rate History
1 change since Sep 28, 2026 · 4.09% → 4.20% ▲ 0.11 pts · high 4.20% / low 4.09%
3.59%4.15%4.70%Sep 28, 2026: 4.09% APYOct 7, 2026: 4.20% APYSep 28, 2026Oct 13, 2026
  • Oct 7, 20264.20%▲ from 4.09%
  • Sep 28, 20264.09%first recorded
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
11166 Fairfax Blvd, Fairfax, VA 22030
6 Month CD
$1,000
4.20% ▲ 1.51% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.69%▲ 1.51% above avgNationally 2.78%
Details

The Annual Percentage Yield (APY) is accurate as of 09/24/2026. APY assumes interest remains on deposit until maturity date. Penalty for early withdrawal may reduce earnings. Fees may reduce earnings. Rates are subject to change at any time and are not guaranteed until the account is opened.

Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 6 times
3.70%4.20%4.70%Sep 18, 2026: 4.20% APYSep 18, 2026Oct 13, 2026
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
11166 Fairfax Blvd, Fairfax, VA 22030
6 Month Certificate
$1,000
4.20% ▲ 1.51% above Virginia avg
View
▼
Rate4.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.69%▲ 1.51% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 7, 2026: 4.20% APYOct 7, 2026Oct 13, 2026
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2300 Wilson Blvd, Arlington, VA 22201
6 Month IRA Certificate
$0
4.13% ▲ 1.44% above Virginia avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average2.69%▲ 1.44% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 4.13% APY · checked 3 times
3.63%4.13%4.63%Sep 18, 2026: 4.13% APYSep 18, 2026Oct 13, 2026
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2300 Wilson Blvd, Arlington, VA 22201
6 Month Share Certificate
$0
4.13% ▲ 1.44% above Virginia avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average2.69%▲ 1.44% above avgNationally 2.78%
Details

Balance: $1M+

Rate History
No change since Sep 14, 2026 · 4.13% APY · checked 5 times
3.63%4.13%4.63%Sep 14, 2026: 4.13% APYSep 14, 2026Oct 13, 2026
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.99%
12 HERBERT ST, Alexandria, VA 22305
6 Month Share Certificate
$0
4.10% ▲ 1.41% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.69%▲ 1.41% above avgNationally 2.78%
Details

Share and IRA Certificate Rates (Share/IRA/Roth/ESA)

Rate History
No change since Oct 5, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 5, 2026: 4.10% APYOct 5, 2026Oct 13, 2026
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.99%
12 HERBERT ST, Alexandria, VA 22305
Business 6-Month Certificate
$0
4.10% ▲ 1.41% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.69%▲ 1.41% above avgNationally 2.78%
Details

Featured rate

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 8 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.99%
12 HERBERT ST, Alexandria, VA 22305
Share and IRA Certificate - 6 Month
$500
4.10% ▲ 1.41% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.69%▲ 1.41% above avgNationally 2.78%
Details

Minimum Balance to Open and Earn APY; Share/IRA/Roth/ESA

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
5875 Trinity Pkwy Ste 111, Centreville, VA 20120
6 Month Jumbo CD
$50,000
4.10% ▲ 1.41% above Virginia avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.69%▲ 1.41% above avgNationally 2.78%
Details

Rate History
1 change since Sep 21, 2026 · 3.75% → 4.10% ▲ 0.35 pts · high 4.10% / low 3.75%
3.25%3.93%4.60%Sep 21, 2026: 3.75% APYOct 5, 2026: 4.10% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.10%▲ from 3.75%
  • Sep 21, 20263.75%first recorded
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
10800 Main St, Fairfax, VA 22030
6 Month Share Certificate Accounts - Regular Accounts
$0
4.06% ▲ 1.37% above Virginia avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average2.69%▲ 1.37% above avgNationally 2.78%
Details

Minimum Balance Required to Earn the Stated APY

Rate History
No change since Sep 22, 2026 · 4.06% APY · checked 4 times
3.56%4.06%4.56%Sep 22, 2026: 4.06% APYSep 22, 2026Oct 13, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
1800 Tysons Blvd, Tysons, VA 22102
6 Month CD
$1,000
4.05% ▲ 1.36% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.69%▲ 1.36% above avgNationally 2.78%
Details

New Money CDs

Rate History
No change since Sep 24, 2026 · 4.05% APY · checked 5 times
3.55%4.05%4.55%Sep 24, 2026: 4.05% APYSep 24, 2026Oct 13, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
1800 Tysons Blvd, Tysons, VA 22102
6 Month New Money CD
$1,000
4.05% ▲ 1.36% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.69%▲ 1.36% above avgNationally 2.78%
Details

Exclusively for Premier clients.

Rate History
No change since Sep 27, 2026 · 4.05% APY · checked 4 times
3.55%4.05%4.55%Sep 27, 2026: 4.05% APYSep 27, 2026Oct 13, 2026
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
11166 Fairfax Blvd, Fairfax, VA 22030
6 months/26 weeks
$10,000
4.05% ▲ 1.36% above Virginia avg
View
▼
Rate3.97%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.69%▲ 1.36% above avgNationally 2.78%
Details

Visit or Call

Rate History
No change since Oct 7, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 7, 2026: 4.05% APYOct 7, 2026Oct 13, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
1800 Tysons Blvd, Tysons, VA 22102
6 Month CD
$1,000
4.00% ▲ 1.31% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.69%▲ 1.31% above avgNationally 2.78%
Details

Online CDs

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 13, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
1800 Tysons Blvd, Tysons, VA 22102
6 Month Online CD
$1,000
4.00% ▲ 1.31% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.69%▲ 1.31% above avgNationally 2.78%
Details

Minimum balance to open and obtain APY is $1000.

Rate History
No change since Sep 27, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 27, 2026: 4.00% APYSep 27, 2026Oct 13, 2026
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
8301 Greensboro Dr, Mcclean, VA 22102
Special 6-Month Fixed Rate
$0
4.00% ▲ 1.31% above Virginia avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.69%▲ 1.31% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
MITRE Building 2, McLean, VA 22102
6 Month IRA Certificates
$500
4.00% ▲ 1.31% above Virginia avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.69%▲ 1.31% above avgNationally 2.78%
Details

Early withdrawal penalties may apply. Fees may reduce the investment below the principal held at the beginning of the term.

Rate History
1 change since Sep 24, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 24, 2026: 3.50% APYOct 4, 2026: 4.00% APYSep 24, 2026Oct 13, 2026
  • Oct 4, 20264.00%▲ from 3.50%
  • Sep 24, 20263.50%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
MITRE Building 2, McLean, VA 22102
Share Certificate - 6 Month
$1,000
4.00% ▲ 1.31% above Virginia avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.69%▲ 1.31% above avgNationally 2.78%
Details

Minimum to open $1,000.00

Rate History
No change since Oct 12, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 13, 2026
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
1448 Park Ave NW, Norton, VA 24273
6 Month Certificate
$1,000
4.00% ▲ 1.31% above Virginia avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.69%▲ 1.31% above avgNationally 2.78%
Details

Paid monthly

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APYOct 5, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
5875 Trinity Pkwy Ste 111, Centreville, VA 20120
6 Month IRA Traditional & Roth CD
$500
4.00% ▲ 1.31% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.69%▲ 1.31% above avgNationally 2.78%
Details

Rate History
1 change since Sep 21, 2026 · 3.65% → 4.00% ▲ 0.35 pts · high 4.00% / low 3.65%
3.15%3.83%4.50%Sep 21, 2026: 3.65% APYOct 13, 2026: 4.00% APYSep 21, 2026Oct 13, 2026
  • Oct 13, 20264.00%▲ from 3.65%
  • Sep 21, 20263.65%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
5875 Trinity Pkwy Ste 111, Centreville, VA 20120
6 Month Regular CD
$500
4.00% ▲ 1.31% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.69%▲ 1.31% above avgNationally 2.78%
Details

Rate History
1 change since Sep 21, 2026 · 3.65% → 4.00% ▲ 0.35 pts · high 4.00% / low 3.65%
3.15%3.83%4.50%Sep 21, 2026: 3.65% APYOct 5, 2026: 4.00% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.00%▲ from 3.65%
  • Sep 21, 20263.65%first recorded
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.32%
12560 W Creek Pkwy, Richmond, VA 23238 1110
6 Month Term Shares Certificate
$0
3.89% ▲ 1.20% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.69%▲ 1.20% above avgNationally 2.78%
Details

Rate History
No change since Sep 25, 2026 · 3.89% APY · checked 4 times
3.39%3.89%4.39%Sep 25, 2026: 3.89% APYSep 25, 2026Oct 13, 2026
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2300 Wilson Blvd, Arlington, VA 22201
6 Month Share Certificate
$0
3.87% ▲ 1.18% above Virginia avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average2.69%▲ 1.18% above avgNationally 2.78%
Details

Balance: $250,000-$999,999

Rate History
No change since Sep 14, 2026 · 3.87% APY · checked 5 times
3.37%3.87%4.37%Sep 14, 2026: 3.87% APYSep 14, 2026Oct 13, 2026
MainStreet Bank
Institution Rating:
B-4.4 ★Texas Ratio: 22.15%
10089 Fairfax Blvd, Fairfax, VA 22030
6 Month CD
$500
3.85% ▲ 1.16% above Virginia avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.69%▲ 1.16% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 3.85% APY · checked 6 times
3.35%3.85%4.35%Sep 18, 2026: 3.85% APYSep 18, 2026Oct 13, 2026
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
2778 S EAST SIDE HWY, ELKTON, VA 22827 3628
6 month Certificate
$0
3.85% ▲ 1.16% above Virginia avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.69%▲ 1.16% above avgNationally 2.78%
Details

Rate History
No change since Sep 25, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Sep 25, 2026: 3.85% APYSep 25, 2026Oct 13, 2026
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
2778 S EAST SIDE HWY, ELKTON, VA 22827 3628
6 month IRA Certificate
$0
3.85% ▲ 1.16% above Virginia avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.69%▲ 1.16% above avgNationally 2.78%
Details

Rate History
No change since Oct 4, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Oct 4, 2026: 3.85% APYOct 4, 2026Oct 13, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
12011 Sunset Hills Rd Ste 110, Reston, VA 20190 5919
6 Month Share Certificate
$500
3.85% ▲ 1.16% above Virginia avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.69%▲ 1.16% above avgNationally 2.78%
Details

Rate History
1 change since Oct 5, 2026 · 3.50% → 3.85% ▲ 0.35 pts · high 3.85% / low 3.50%
3.00%3.68%4.35%Oct 5, 2026: 3.50% APYOct 13, 2026: 3.85% APYOct 5, 2026Oct 13, 2026
  • Oct 13, 20263.85%▲ from 3.50%
  • Oct 5, 20263.50%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
44747 Brimfield Dr, Ashburn, VA 20147 5920
Business Share Certificates - 6 Months
$500
3.82% ▲ 1.13% above Virginia avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.69%▲ 1.13% above avgNationally 2.78%
Details

Penalties apply for early withdrawal

Rate History
1 change since Oct 4, 2026 · 4.25% → 3.82% ▼ 0.43 pts · high 4.25% / low 3.82%
3.32%4.04%4.75%Oct 4, 2026: 4.25% APYOct 12, 2026: 3.82% APYOct 4, 2026Oct 13, 2026
  • Oct 12, 20263.82%▼ from 4.25%
  • Oct 4, 20264.25%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
44747 Brimfield Dr, Ashburn, VA 20147 5920
Share Certificates - 6 Months
$500
3.82% ▲ 1.13% above Virginia avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.69%▲ 1.13% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 5 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 13, 2026
NY FIREFIGHTERS BRAVEST
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
10300 Eaton Pl Ste 330, fairfax, VA 22030 2242
Certificate 6 Month
$500
3.82% ▲ 1.13% above Virginia avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average2.69%▲ 1.13% above avgNationally 2.78%
Details

Early redemption fee applies.

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 7 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 13, 2026
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
4231 Markham Street Units Fandg, Annandale, VA 22003
WooriWON Certificate of Deposit (CD) - 6-Months
$1,000
3.75% ▲ 1.06% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.69%▲ 1.06% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1 S Main St, Chatham, VA 24531
6-Month CD
$0
3.75% ▲ 1.06% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average2.69%▲ 1.06% above avgNationally 2.78%
Details

Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1 S Main St, Chatham, VA 24531
6-Month Term
$1,000
3.75% ▲ 1.06% above Virginia avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average2.69%▲ 1.06% above avgNationally 2.78%
Details

Rate History
No change since Sep 27, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 27, 2026: 3.75% APYSep 27, 2026Oct 13, 2026
Department of The Interior Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
12201 Sunrise Valley Dr MS 700, Reston, VA 20192
6 Month Certificate
$500
3.71% ▲ 1.02% above Virginia avg
View
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.69%▲ 1.02% above avgNationally 2.78%
Details

Rate History
No change since Oct 4, 2026 · 3.71% APY · checked 3 times
3.21%3.71%4.21%Oct 4, 2026: 3.71% APYOct 4, 2026Oct 13, 2026
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
2130 N Glebe Rd, Arlington, VA 22207
6 Month Certificate - Platinum
$500
3.70% ▲ 1.01% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.69%▲ 1.01% above avgNationally 2.78%
Details

Platinum APY; Effective April 17, 2026

Rate History
No change since Oct 12, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 12, 2026: 3.70% APYOct 12, 2026Oct 13, 2026
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
2130 N Glebe Rd, Arlington, VA 22207
Share & IRA Certificate - 6 Month - Platinum
$500
3.70% ▲ 1.01% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.69%▲ 1.01% above avgNationally 2.78%
Details

Platinum APY* program rate; Minimum to Earn Dividends $500; Rates Effective: April 17, 2026

Rate History
No change since Oct 12, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 12, 2026: 3.70% APYOct 12, 2026Oct 13, 2026
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
5288 Providence Rd, Virginia Beach, VA 23464 4204
IRA Certificate - 6 Months (Reg/Roth/Educ)
$100,000
3.70% ▲ 1.01% above Virginia avg
View
▼
Rate3.64%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.69%▲ 1.01% above avgNationally 2.78%
Details

Rate History
1 change since Sep 18, 2026 · 3.25% → 3.70% ▲ 0.45 pts · high 3.70% / low 3.25%
2.75%3.48%4.20%Sep 18, 2026: 3.25% APYSep 25, 2026: 3.70% APYSep 18, 2026Oct 13, 2026
  • Sep 25, 20263.70%▲ from 3.25%
  • Sep 18, 20263.25%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
7575 Colshire Dr, McLean, VA 22102 7508
Bonus Certificates - 6 Month
$0
3.66% ▲ 0.97% above Virginia avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.69%▲ 0.97% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.60% → 3.66% ▲ 0.06 pts · high 3.66% / low 3.60%
3.10%3.63%4.16%Sep 14, 2026: 3.60% APYOct 13, 2026: 3.66% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.66%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
5288 Providence Rd, Virginia Beach, VA 23464 4204
Certificate - 6 Months
$100,000
3.65% ▲ 0.96% above Virginia avg
View
▼
Rate3.59%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.69%▲ 0.96% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.20% → 3.65% ▲ 0.45 pts · high 3.65% / low 3.20%
2.70%3.43%4.15%Sep 14, 2026: 3.20% APYSep 25, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20263.65%▲ from 3.20%
  • Sep 14, 20263.20%first recorded
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
5288 Providence Rd, Virginia Beach, VA 23464 4204
IRA Certificate - 6 Months (Reg/Roth/Educ)
$1,000
3.65% ▲ 0.96% above Virginia avg
View
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.69%▲ 0.96% above avgNationally 2.78%
Details

Rate History
1 change since Sep 18, 2026 · 3.20% → 3.65% ▲ 0.45 pts · high 3.65% / low 3.20%
2.70%3.43%4.15%Sep 18, 2026: 3.20% APYSep 25, 2026: 3.65% APYSep 18, 2026Oct 13, 2026
  • Sep 25, 20263.65%▲ from 3.20%
  • Sep 18, 20263.20%first recorded
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
1630 King St, Alexandria, VA 22314 2763
6 Month Jumbo Certificate
$0
3.64% ▲ 0.95% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.69%▲ 0.95% above avgNationally 2.78%
Details

Rate History
No change since Sep 25, 2026 · 3.64% APY · checked 4 times
3.14%3.64%4.14%Sep 25, 2026: 3.64% APYSep 25, 2026Oct 13, 2026
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
2130 N Glebe Rd, Arlington, VA 22207
6 Month Certificate
$500
3.60% ▲ 0.91% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.69%▲ 0.91% above avgNationally 2.78%
Details

Standard APY; Effective April 17, 2026

Rate History
No change since Sep 25, 2026 · 3.60% APY · checked 4 times
3.10%3.60%4.10%Sep 25, 2026: 3.60% APYSep 25, 2026Oct 13, 2026
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
2130 N Glebe Rd, Arlington, VA 22207
Share & IRA Certificate - 6 Month
$500
3.60% ▲ 0.91% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.69%▲ 0.91% above avgNationally 2.78%
Details

Minimum to Earn Dividends $500; Rates Effective: April 17, 2026

Rate History
No change since Sep 20, 2026 · 3.60% APY · checked 4 times
3.10%3.60%4.10%Sep 20, 2026: 3.60% APYSep 20, 2026Oct 13, 2026
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
10461 White Granite Dr, Oakton, VA 22124
Jumbo - 6 Month Certificate
$100,000
3.60% ▲ 0.91% above Virginia avg
View
▼
Rate3.53%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.69%▲ 0.91% above avgNationally 2.78%
Details

Rate History
No change since Sep 20, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 20, 2026: 3.60% APYSep 20, 2026Oct 13, 2026
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
5288 Providence Rd, Virginia Beach, VA 23464 4204
Certificate - 6 Months
$1,000
3.60% ▲ 0.91% above Virginia avg
View
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.69%▲ 0.91% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.15% → 3.60% ▲ 0.45 pts · high 3.60% / low 3.15%
2.65%3.38%4.10%Sep 14, 2026: 3.15% APYSep 25, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20263.60%▲ from 3.15%
  • Sep 14, 20263.15%first recorded

Virginia 12 Month CD Rates

MonitorBankRates Virginia Average · 12 Month CD3.07% APY▲ 0.02% from last weekNational 2.99%
View 12-month CD rate trend

The average 12-month CD rate in Virginia is 3.07% APY, compared with 2.99% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
10461 White Granite Dr, Oakton, VA 22124
Flexible Saver - 1 Year Certificate
$100
6.00% ▲ 2.93% above Virginia avg
View
▼
Rate5.83%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.07%▲ 2.93% above avgNationally 2.99%
Details

Rate History
No change since Sep 20, 2026 · 6.00% APY · checked 5 times
5.50%6.00%6.50%Sep 20, 2026: 6.00% APYSep 20, 2026Oct 13, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
7321 Peppers Ferry Blvd, Fairlawn, VA 24141
Limited-Time 12 Month Term (new external funds required)
$0
5.00% ▲ 1.93% above Virginia avg
View
▼
Rate4.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average3.07%▲ 1.93% above avgNationally 2.99%
Details

New external funds required

Rate History
No change since Oct 7, 2026 · 5.00% APY · checked 2 times
4.50%5.00%5.50%Oct 7, 2026: 5.00% APYOct 7, 2026Oct 13, 2026
Apple Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
14260J Centreville Sq, Centreville, VA 20121
12-Month Starter Certificate
$50
5.00% ▲ 1.93% above Virginia avg
View
▼
RateN/A
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average3.07%▲ 1.93% above avgNationally 2.99%
Details

Maximum $5,000. Add additional funds at any time up to $5,000 maximum. One Starter Certificate per membership.

Rate History
No change since Sep 18, 2026 · 5.00% APY · checked 6 times
4.50%5.00%5.50%Sep 18, 2026: 5.00% APYSep 18, 2026Oct 13, 2026
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
MITRE Building 2, McLean, VA 22102
12 Month IRA Certificates
$500
4.50% ▲ 1.43% above Virginia avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.07%▲ 1.43% above avgNationally 2.99%
Details

Early withdrawal penalties may apply. Fees may reduce the investment below the principal held at the beginning of the term.

Rate History
1 change since Sep 24, 2026 · 3.75% → 4.50% ▲ 0.75 pts · high 4.50% / low 3.75%
3.00%4.13%5.25%Sep 24, 2026: 3.75% APYOct 4, 2026: 4.50% APYSep 24, 2026Oct 13, 2026
  • Oct 4, 20264.50%▲ from 3.75%
  • Sep 24, 20263.75%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
MITRE Building 2, McLean, VA 22102
Share Certificate - 12 Month
$1,000
4.50% ▲ 1.43% above Virginia avg
View
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.07%▲ 1.43% above avgNationally 2.99%
Details

Minimum to open $1,000.00

Rate History
No change since Oct 12, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 12, 2026: 4.50% APYOct 12, 2026Oct 13, 2026
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
11166 Fairfax Blvd, Fairfax, VA 22030
12 Month CD
$1,000
4.45% ▲ 1.38% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average3.07%▲ 1.38% above avgNationally 2.99%
Details

The Annual Percentage Yield (APY) is accurate as of 09/24/2026. APY assumes interest remains on deposit until maturity date. Penalty for early withdrawal may reduce earnings. Fees may reduce earnings. Rates are subject to change at any time and are not guaranteed until the account is opened.

Rate History
No change since Sep 18, 2026 · 4.45% APY · checked 6 times
3.95%4.45%4.95%Sep 18, 2026: 4.45% APYSep 18, 2026Oct 13, 2026
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
11166 Fairfax Blvd, Fairfax, VA 22030
12 Month Certificate
$1,000
4.45% ▲ 1.38% above Virginia avg
View
▼
Rate4.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average3.07%▲ 1.38% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 4.45% APY · checked 2 times
3.95%4.45%4.95%Oct 7, 2026: 4.45% APYOct 7, 2026Oct 13, 2026
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
10461 White Granite Dr, Oakton, VA 22124
1 Year Certificate - Special Rate
$1,000
4.40% ▲ 1.33% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.07%▲ 1.33% above avgNationally 2.99%
Details

Special Rate (APY)

Rate History
No change since Oct 12, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 12, 2026: 4.40% APYOct 12, 2026Oct 13, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
1800 Tysons Blvd, Tysons, VA 22102
12 Month CD
$1,000
4.35% ▲ 1.28% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average3.07%▲ 1.28% above avgNationally 2.99%
Details

New Money CDs

Rate History
No change since Sep 24, 2026 · 4.35% APY · checked 5 times
3.85%4.35%4.85%Sep 24, 2026: 4.35% APYSep 24, 2026Oct 13, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
1800 Tysons Blvd, Tysons, VA 22102
12 Month New Money CD
$1,000
4.35% ▲ 1.28% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average3.07%▲ 1.28% above avgNationally 2.99%
Details

Exclusively for Premier clients.

Rate History
No change since Sep 27, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Sep 27, 2026: 4.35% APYSep 27, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
44315 Ice Rink Plz, Ashburn, VA 20147
12 Month Special EasyStart Certificate
$50
4.35% ▲ 1.28% above Virginia avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average3.07%▲ 1.28% above avgNationally 2.99%
Details

Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Sep 30, 2026: 4.35% APYSep 30, 2026Oct 13, 2026
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1130 W Broad St, Falls Church, VA 22046 2114
12 Month Share Certificate
$0
4.35% ▲ 1.28% above Virginia avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average3.07%▲ 1.28% above avgNationally 2.99%
Details

Balance: $1,000

Rate History
1 change since Sep 18, 2026 · 4.05% → 4.35% ▲ 0.30 pts · high 4.35% / low 4.05%
3.55%4.20%4.85%Sep 18, 2026: 4.05% APYSep 27, 2026: 4.35% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20264.35%▲ from 4.05%
  • Sep 18, 20264.05%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
12011 Sunset Hills Rd Ste 110, Reston, VA 20190 5919
12 Month Share Certificate
$100,000
4.35% ▲ 1.28% above Virginia avg
View
▼
Rate4.26%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.07%▲ 1.28% above avgNationally 2.99%
Details

Rate Effective Date: October 12, 2026

Rate History
1 change since Oct 5, 2026 · 4.25% → 4.35% ▲ 0.10 pts · high 4.35% / low 4.25%
3.75%4.30%4.85%Oct 5, 2026: 4.25% APYOct 13, 2026: 4.35% APYOct 5, 2026Oct 13, 2026
  • Oct 13, 20264.35%▲ from 4.25%
  • Oct 5, 20264.25%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
5875 Trinity Pkwy Ste 111, Centreville, VA 20120
12 Month Elite Jumbo CD
$250,000
4.35% ▲ 1.28% above Virginia avg
View
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.07%▲ 1.28% above avgNationally 2.99%
Details

Rate History
1 change since Sep 21, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
3.50%4.18%4.85%Sep 21, 2026: 4.00% APYOct 5, 2026: 4.35% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.35%▲ from 4.00%
  • Sep 21, 20264.00%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
1680 Capital One Dr, Mclean, VA 22102
12 Month 360 CDs
$0
4.30% ▲ 1.23% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average3.07%▲ 1.23% above avgNationally 2.99%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
1800 Tysons Blvd, Tysons, VA 22102
12 Month CD
$1,000
4.30% ▲ 1.23% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average3.07%▲ 1.23% above avgNationally 2.99%
Details

Online CDs

Rate History
No change since Sep 24, 2026 · 4.30% APY · checked 5 times
3.80%4.30%4.80%Sep 24, 2026: 4.30% APYSep 24, 2026Oct 13, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
1800 Tysons Blvd, Tysons, VA 22102
12 Month Online CD
$1,000
4.30% ▲ 1.23% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average3.07%▲ 1.23% above avgNationally 2.99%
Details

Minimum balance to open and obtain APY is $1000.

Rate History
No change since Sep 27, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 27, 2026: 4.30% APYSep 27, 2026Oct 13, 2026
SFGI Direct
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
100 S Fairfax St, Alexandria, VA 22314
12-Month CD
$1,000
4.30% ▲ 1.23% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average3.07%▲ 1.23% above avgNationally 2.99%
Details

A strong rate. A full year of predictable growth.

Rate History
1 change since Sep 28, 2026 · 4.20% → 4.30% ▲ 0.10 pts · high 4.30% / low 4.20%
3.70%4.25%4.80%Sep 28, 2026: 4.20% APYOct 7, 2026: 4.30% APYSep 28, 2026Oct 13, 2026
  • Oct 7, 20264.30%▲ from 4.20%
  • Sep 28, 20264.20%first recorded
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
11166 Fairfax Blvd, Fairfax, VA 22030
12 months/52 weeks
$10,000
4.30% ▲ 1.23% above Virginia avg
View
▼
Rate4.21%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average3.07%▲ 1.23% above avgNationally 2.99%
Details

Visit or Call

Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 7, 2026: 4.30% APYOct 7, 2026Oct 13, 2026
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1130 W Broad St, Falls Church, VA 22046 2114
12 Month Share Certificate
$0
4.25% ▲ 1.18% above Virginia avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average3.07%▲ 1.18% above avgNationally 2.99%
Details

Add-On; Balance: $250

Rate History
1 change since Sep 18, 2026 · 3.95% → 4.25% ▲ 0.30 pts · high 4.25% / low 3.95%
3.45%4.10%4.75%Sep 18, 2026: 3.95% APYOct 7, 2026: 4.25% APYSep 18, 2026Oct 13, 2026
  • Oct 7, 20264.25%▲ from 3.95%
  • Sep 18, 20263.95%first recorded
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
2778 S EAST SIDE HWY, ELKTON, VA 22827 3628
12 month Certificate
$0
4.25% ▲ 1.18% above Virginia avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.07%▲ 1.18% above avgNationally 2.99%
Details

Rate History
No change since Sep 25, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Sep 25, 2026: 4.25% APYSep 25, 2026Oct 13, 2026
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
2778 S EAST SIDE HWY, ELKTON, VA 22827 3628
12 month IRA Certificate
$0
4.25% ▲ 1.18% above Virginia avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.07%▲ 1.18% above avgNationally 2.99%
Details

Rate History
No change since Oct 4, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 4, 2026: 4.25% APYOct 4, 2026Oct 13, 2026
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
44747 Brimfield Dr, Ashburn, VA 20147 5920
Business Share Certificates - 12 Months
$500
4.25% ▲ 1.18% above Virginia avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.07%▲ 1.18% above avgNationally 2.99%
Details

Penalties apply for early withdrawal

Rate History
1 change since Oct 4, 2026 · 4.30% → 4.25% ▼ 0.05 pts · high 4.30% / low 4.25%
3.75%4.28%4.80%Oct 4, 2026: 4.30% APYOct 12, 2026: 4.25% APYOct 4, 2026Oct 13, 2026
  • Oct 12, 20264.25%▼ from 4.30%
  • Oct 4, 20264.30%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
44747 Brimfield Dr, Ashburn, VA 20147 5920
Share Certificates - 12 Months
$500
4.25% ▲ 1.18% above Virginia avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.07%▲ 1.18% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.05% → 4.25% ▲ 0.20 pts · high 4.25% / low 4.05%
3.55%4.15%4.75%Sep 14, 2026: 4.05% APYOct 4, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20264.25%▲ from 4.05%
  • Sep 14, 20264.05%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
44747 Brimfield Dr, Ashburn, VA 20147 5920
Traditional IRA Certificates - 12 Months
$500
4.25% ▲ 1.18% above Virginia avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.07%▲ 1.18% above avgNationally 2.99%
Details

Minimum balance of $500 required; Dividends compounded daily and credited monthly; Penalties apply for early withdrawal; Membership required; IRA Certificates(Traditional, Roth, SEP and Coverdell ESA)

Rate History
No change since Oct 8, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 8, 2026: 4.25% APYOct 8, 2026Oct 13, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
12011 Sunset Hills Rd Ste 110, Reston, VA 20190 5919
12 Month Share Certificate
$500
4.25% ▲ 1.18% above Virginia avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.07%▲ 1.18% above avgNationally 2.99%
Details

Rate History
No change since Oct 5, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Oct 5, 2026: 4.25% APYOct 5, 2026Oct 13, 2026
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
419 Rutherford Ave NE, Roanoke, VA 24022
1 Year Term IRA Certificate
$500
4.25% ▲ 1.18% above Virginia avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average3.07%▲ 1.18% above avgNationally 2.99%
Details

Minimum: $500 minimum opening balance

Rate History
No change since Oct 10, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 10, 2026: 4.25% APYOct 10, 2026Oct 13, 2026
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
419 Rutherford Ave NE, Roanoke, VA 24022
1 Year Term Regular Certificate
$500
4.25% ▲ 1.18% above Virginia avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average3.07%▲ 1.18% above avgNationally 2.99%
Details

Minimum: $500 minimum opening balance

Rate History
No change since Oct 10, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 10, 2026: 4.25% APYOct 10, 2026Oct 13, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
5875 Trinity Pkwy Ste 111, Centreville, VA 20120
12 Month Jumbo CD
$50,000
4.20% ▲ 1.13% above Virginia avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.07%▲ 1.13% above avgNationally 2.99%
Details

Rate History
1 change since Sep 21, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
3.35%4.03%4.70%Sep 21, 2026: 3.85% APYOct 5, 2026: 4.20% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.20%▲ from 3.85%
  • Sep 21, 20263.85%first recorded
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2300 Wilson Blvd, Arlington, VA 22201
12 Month IRA Certificate
$0
4.13% ▲ 1.06% above Virginia avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average3.07%▲ 1.06% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 4.13% APY · checked 3 times
3.63%4.13%4.63%Sep 18, 2026: 4.13% APYSep 18, 2026Oct 13, 2026
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2300 Wilson Blvd, Arlington, VA 22201
12 Month Share Certificate
$0
4.13% ▲ 1.06% above Virginia avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average3.07%▲ 1.06% above avgNationally 2.99%
Details

Balance: $1M+

Rate History
No change since Sep 14, 2026 · 4.13% APY · checked 5 times
3.63%4.13%4.63%Sep 14, 2026: 4.13% APYSep 14, 2026Oct 13, 2026
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
8301 Greensboro Dr, Mcclean, VA 22102
Special 12-Month Fixed Rate
$0
4.11% ▲ 1.04% above Virginia avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average3.07%▲ 1.04% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 4.11% APY · checked 6 times
3.61%4.11%4.61%Sep 18, 2026: 4.11% APYSep 18, 2026Oct 13, 2026
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
1630 King St, Alexandria, VA 22314 2763
12 Month Jumbo Certificate
$0
4.10% ▲ 1.03% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.07%▲ 1.03% above avgNationally 2.99%
Details

Rate History
1 change since Sep 25, 2026 · 3.84% → 4.10% ▲ 0.26 pts · high 4.10% / low 3.84%
3.34%3.97%4.60%Sep 25, 2026: 3.84% APYOct 4, 2026: 4.10% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20264.10%▲ from 3.84%
  • Sep 25, 20263.84%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
5875 Trinity Pkwy Ste 111, Centreville, VA 20120
1 Year IRA Traditional & Roth CD
$500
4.10% ▲ 1.03% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.07%▲ 1.03% above avgNationally 2.99%
Details

Rate History
1 change since Sep 21, 2026 · 3.75% → 4.10% ▲ 0.35 pts · high 4.10% / low 3.75%
3.25%3.93%4.60%Sep 21, 2026: 3.75% APYOct 13, 2026: 4.10% APYSep 21, 2026Oct 13, 2026
  • Oct 13, 20264.10%▲ from 3.75%
  • Sep 21, 20263.75%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
5875 Trinity Pkwy Ste 111, Centreville, VA 20120
12 Month Regular CD
$500
4.10% ▲ 1.03% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.07%▲ 1.03% above avgNationally 2.99%
Details

Rate History
1 change since Sep 21, 2026 · 3.75% → 4.10% ▲ 0.35 pts · high 4.10% / low 3.75%
3.25%3.93%4.60%Sep 21, 2026: 3.75% APYOct 5, 2026: 4.10% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.10%▲ from 3.75%
  • Sep 21, 20263.75%first recorded
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.32%
12560 W Creek Pkwy, Richmond, VA 23238 1110
12 Month Term Shares Certificate
$0
4.08% ▲ 1.01% above Virginia avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.07%▲ 1.01% above avgNationally 2.99%
Details

Rate History
1 change since Sep 25, 2026 · 3.70% → 4.08% ▲ 0.38 pts · high 4.08% / low 3.70%
3.20%3.89%4.58%Sep 25, 2026: 3.70% APYOct 4, 2026: 4.08% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20264.08%▲ from 3.70%
  • Sep 25, 20263.70%first recorded
Blue Ridge Bank National Association
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
17 W Main St, Luray, VA 22835
12 Month Certificate
$0
4.05% ▲ 0.98% above Virginia avg
View
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average3.07%▲ 0.98% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 7, 2026: 4.05% APYOct 7, 2026Oct 13, 2026
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
1630 King St, Alexandria, VA 22314 2763
12 Month IRA Certificate
$0
4.05% ▲ 0.98% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.07%▲ 0.98% above avgNationally 2.99%
Details

Minimum Balances of $500

Rate History
1 change since Sep 25, 2026 · 3.79% → 4.05% ▲ 0.26 pts · high 4.05% / low 3.79%
3.29%3.92%4.55%Sep 25, 2026: 3.79% APYOct 4, 2026: 4.05% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20264.05%▲ from 3.79%
  • Sep 25, 20263.79%first recorded
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
1448 Park Ave NW, Norton, VA 24273
12 Month Certificate
$1,000
4.05% ▲ 0.98% above Virginia avg
View
▼
Rate3.98%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.07%▲ 0.98% above avgNationally 2.99%
Details

Paid monthly

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.05% ▲ 0.55 pts · high 4.05% / low 3.50%
2.95%3.78%4.60%Sep 14, 2026: 3.50% APYOct 5, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.05%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
11030 Hull Street Rd, Midlothian, VA 23112
12 month certificate
$100,000
4.05% ▲ 0.98% above Virginia avg
View
▼
Rate3.98%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average3.07%▲ 0.98% above avgNationally 2.99%
Details

Compounding Frequency: Monthly

Rate History
No change since Sep 30, 2026 · 4.05% APY · checked 4 times
3.55%4.05%4.55%Sep 30, 2026: 4.05% APYSep 30, 2026Oct 13, 2026
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
11030 Hull Street Rd, Midlothian, VA 23112
12 month IRA
$100,000
4.05% ▲ 0.98% above Virginia avg
View
▼
Rate3.98%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average3.07%▲ 0.98% above avgNationally 2.99%
Details

Compounding Frequency: Monthly

Rate History
No change since Oct 6, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 6, 2026: 4.05% APYOct 6, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
7575 Colshire Dr, McLean, VA 22102 7508
Bonus Certificates - 12 Month
$0
4.02% ▲ 0.95% above Virginia avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.07%▲ 0.95% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.02% ▲ 0.07 pts · high 4.02% / low 3.95%
3.45%3.99%4.52%Sep 14, 2026: 3.95% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.02%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
7575 Colshire Dr, McLean, VA 22102 7508
Bonus IRA Certificates - 12 Month
$0
4.02% ▲ 0.95% above Virginia avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.07%▲ 0.95% above avgNationally 2.99%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply

Rate History
2 changes since Sep 14, 2026 · 3.95% → 4.02% ▲ 0.07 pts · high 4.02% / low 3.95%
3.45%3.99%4.52%Sep 14, 2026: 3.95% APYSep 25, 2026: 3.97% APYOct 5, 2026: 4.02% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.02%▲ from 3.97%
  • Sep 25, 20263.97%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
1680 Capital One Dr, Mclean, VA 22102
1-year online CDs
$0
4.00% ▲ 0.93% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average3.07%▲ 0.93% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
1680 Capital One Dr, Mclean, VA 22102
12 Month Certificate
$0
4.00% ▲ 0.93% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average3.07%▲ 0.93% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
44315 Ice Rink Plz, Ashburn, VA 20147
12 Month ESA EasyStart Certificate
$50
4.00% ▲ 0.93% above Virginia avg
View
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average3.07%▲ 0.93% above avgNationally 2.99%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 6, 2026: 4.00% APYOct 6, 2026Oct 13, 2026
Bank of Botetourt
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
19747 Main St, Buchanan, VA 24066
Certificate of Deposit 12 Month Special
$2,500
4.00% ▲ 0.93% above Virginia avg
View
▼
Rate3.94%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.07%▲ 0.93% above avgNationally 2.99%
Details

Rate History
1 change since Sep 24, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
3.30%3.90%4.50%Sep 24, 2026: 3.80% APYOct 3, 2026: 4.00% APYSep 24, 2026Oct 13, 2026
  • Oct 3, 20264.00%▲ from 3.80%
  • Sep 24, 20263.80%first recorded
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
1630 King St, Alexandria, VA 22314 2763
12 Month Certificate
$0
4.00% ▲ 0.93% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.07%▲ 0.93% above avgNationally 2.99%
Details

Rate History
1 change since Sep 25, 2026 · 3.74% → 4.00% ▲ 0.26 pts · high 4.00% / low 3.74%
3.24%3.87%4.50%Sep 25, 2026: 3.74% APYOct 4, 2026: 4.00% APYSep 25, 2026Oct 13, 2026
  • Oct 4, 20264.00%▲ from 3.74%
  • Sep 25, 20263.74%first recorded
Democracy Federal Credit Union
Institution Rating:
A-4.6 ★Texas Ratio: 9.01%
400 N Columbus St, Alexandria, VA 22314
12 Month Traditional or Roth IRA Certificate
$500
4.00% ▲ 0.93% above Virginia avg
View
▼
Rate3.94%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.07%▲ 0.93% above avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 8, 2026: 4.00% APYOct 8, 2026Oct 13, 2026
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
14419 Chantilly Crossing Ln, Chantilly, VA 20151 2116
IRA Certificates - 1 year
$0
4.00% ▲ 0.93% above Virginia avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.07%▲ 0.93% above avgNationally 2.99%
Details

Balance: $100,000 to $249,999

Rate History
2 changes since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APYOct 4, 2026: 3.75% APYOct 12, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20264.00%▲ from 3.75%
  • Oct 4, 20263.75%▲ from 3.50%
  • Sep 14, 20263.50%first recorded

Virginia 18 Month CD Rates

MonitorBankRates Virginia Average · 18 Month CD3.11% APYUnchanged from last weekNational 2.87%
View 18-month CD rate trend

The average 18-month CD rate in Virginia is 3.11% APY, compared with 2.87% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
5875 Trinity Pkwy Ste 111, Centreville, VA 20120
18 Month Jumbo CD
$50,000
4.45% ▲ 1.34% above Virginia avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.11%▲ 1.34% above avgNationally 2.87%
Details

Senior

Rate History
2 changes since Sep 21, 2026 · 3.90% → 4.45% ▲ 0.55 pts · high 4.45% / low 3.90%
3.35%4.18%5.00%Sep 21, 2026: 3.90% APYOct 5, 2026: 4.25% APYOct 13, 2026: 4.45% APYSep 21, 2026Oct 13, 2026
  • Oct 13, 20264.45%▲ from 4.25%
  • Oct 5, 20264.25%▲ from 3.90%
  • Sep 21, 20263.90%first recorded
SFGI Direct
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
100 S Fairfax St, Alexandria, VA 22314
18-Month CD
$1,000
4.40% ▲ 1.29% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average3.11%▲ 1.29% above avgNationally 2.87%
Details

Our highest featured APY, locked in for longer.

Rate History
1 change since Sep 28, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
3.80%4.35%4.90%Sep 28, 2026: 4.30% APYOct 7, 2026: 4.40% APYSep 28, 2026Oct 13, 2026
  • Oct 7, 20264.40%▲ from 4.30%
  • Sep 28, 20264.30%first recorded
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
11166 Fairfax Blvd, Fairfax, VA 22030
18 Month CD
$1,000
4.35% ▲ 1.24% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average3.11%▲ 1.24% above avgNationally 2.87%
Details

The Annual Percentage Yield (APY) is accurate as of 09/24/2026. APY assumes interest remains on deposit until maturity date. Penalty for early withdrawal may reduce earnings. Fees may reduce earnings. Rates are subject to change at any time and are not guaranteed until the account is opened.

Rate History
No change since Sep 18, 2026 · 4.35% APY · checked 6 times
3.85%4.35%4.85%Sep 18, 2026: 4.35% APYSep 18, 2026Oct 13, 2026
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
11166 Fairfax Blvd, Fairfax, VA 22030
18 Month Certificate
$1,000
4.35% ▲ 1.24% above Virginia avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average3.11%▲ 1.24% above avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 7, 2026: 4.35% APYOct 7, 2026Oct 13, 2026
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
2778 S EAST SIDE HWY, ELKTON, VA 22827 3628
18 month Certificate
$0
4.35% ▲ 1.24% above Virginia avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.11%▲ 1.24% above avgNationally 2.87%
Details

Rate History
No change since Sep 25, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Sep 25, 2026: 4.35% APYSep 25, 2026Oct 13, 2026
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
2778 S EAST SIDE HWY, ELKTON, VA 22827 3628
18 month IRA Certificate
$0
4.35% ▲ 1.24% above Virginia avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.11%▲ 1.24% above avgNationally 2.87%
Details

Rate History
No change since Oct 4, 2026 · 4.35% APY · checked 3 times
3.85%4.35%4.85%Oct 4, 2026: 4.35% APYOct 4, 2026Oct 13, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
12011 Sunset Hills Rd Ste 110, Reston, VA 20190 5919
18 Month Share Certificate
$100,000
4.35% ▲ 1.24% above Virginia avg
View
▼
Rate4.26%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.11%▲ 1.24% above avgNationally 2.87%
Details

Rate Effective Date: October 12, 2026

Rate History
1 change since Oct 5, 2026 · 3.75% → 4.35% ▲ 0.60 pts · high 4.35% / low 3.75%
3.15%4.05%4.95%Oct 5, 2026: 3.75% APYOct 13, 2026: 4.35% APYOct 5, 2026Oct 13, 2026
  • Oct 13, 20264.35%▲ from 3.75%
  • Oct 5, 20263.75%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
5875 Trinity Pkwy Ste 111, Centreville, VA 20120
18 Month Regular CD
$500
4.35% ▲ 1.24% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.11%▲ 1.24% above avgNationally 2.87%
Details

Senior

Rate History
2 changes since Sep 21, 2026 · 3.80% → 4.35% ▲ 0.55 pts · high 4.35% / low 3.80%
3.25%4.07%4.90%Sep 21, 2026: 3.80% APYOct 5, 2026: 4.15% APYOct 13, 2026: 4.35% APYSep 21, 2026Oct 13, 2026
  • Oct 13, 20264.35%▲ from 4.15%
  • Oct 5, 20264.15%▲ from 3.80%
  • Sep 21, 20263.80%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
1680 Capital One Dr, Mclean, VA 22102
18 Month 360 CDs
$0
4.30% ▲ 1.19% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average3.11%▲ 1.19% above avgNationally 2.87%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
44747 Brimfield Dr, Ashburn, VA 20147 5920
Business Share Certificates - 18 Months
$500
4.30% ▲ 1.19% above Virginia avg
View
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.11%▲ 1.19% above avgNationally 2.87%
Details

Penalties apply for early withdrawal

Rate History
1 change since Oct 4, 2026 · 4.35% → 4.30% ▼ 0.05 pts · high 4.35% / low 4.30%
3.80%4.32%4.85%Oct 4, 2026: 4.35% APYOct 12, 2026: 4.30% APYOct 4, 2026Oct 13, 2026
  • Oct 12, 20264.30%▼ from 4.35%
  • Oct 4, 20264.35%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
44747 Brimfield Dr, Ashburn, VA 20147 5920
Share Certificates - 18 Months
$500
4.30% ▲ 1.19% above Virginia avg
View
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.11%▲ 1.19% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.67% → 4.30% ▲ 0.63 pts · high 4.30% / low 3.67%
3.04%3.99%4.93%Sep 14, 2026: 3.67% APYOct 4, 2026: 4.30% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20264.30%▲ from 3.67%
  • Sep 14, 20263.67%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
44747 Brimfield Dr, Ashburn, VA 20147 5920
Traditional IRA Certificates - 18 Months
$500
4.30% ▲ 1.19% above Virginia avg
View
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.11%▲ 1.19% above avgNationally 2.87%
Details

Minimum balance of $500 required; Dividends compounded daily and credited monthly; Penalties apply for early withdrawal; Membership required; IRA Certificates(Traditional, Roth, SEP and Coverdell ESA)

Rate History
No change since Oct 8, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 8, 2026: 4.30% APYOct 8, 2026Oct 13, 2026
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
MITRE Building 2, McLean, VA 22102
18 Month IRA Certificates
$500
4.25% ▲ 1.14% above Virginia avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.11%▲ 1.14% above avgNationally 2.87%
Details

Early withdrawal penalties may apply. Fees may reduce the investment below the principal held at the beginning of the term.

Rate History
1 change since Sep 24, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50%
2.75%3.88%5.00%Sep 24, 2026: 3.50% APYOct 4, 2026: 4.25% APYSep 24, 2026Oct 13, 2026
  • Oct 4, 20264.25%▲ from 3.50%
  • Sep 24, 20263.50%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
MITRE Building 2, McLean, VA 22102
Share Certificate - 18 Month
$1,000
4.25% ▲ 1.14% above Virginia avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.11%▲ 1.14% above avgNationally 2.87%
Details

Minimum to open $1,000.00

Rate History
No change since Oct 12, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 12, 2026: 4.25% APYOct 12, 2026Oct 13, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
12011 Sunset Hills Rd Ste 110, Reston, VA 20190 5919
18 Month Share Certificate
$500
4.25% ▲ 1.14% above Virginia avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.11%▲ 1.14% above avgNationally 2.87%
Details

Rate History
1 change since Oct 5, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Oct 5, 2026: 3.75% APYOct 13, 2026: 4.25% APYOct 5, 2026Oct 13, 2026
  • Oct 13, 20264.25%▲ from 3.75%
  • Oct 5, 20263.75%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
5875 Trinity Pkwy Ste 111, Centreville, VA 20120
18 Month Jumbo CD
$50,000
4.25% ▲ 1.14% above Virginia avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.11%▲ 1.14% above avgNationally 2.87%
Details

Rate History
1 change since Sep 21, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
3.40%4.08%4.75%Sep 21, 2026: 3.90% APYOct 5, 2026: 4.25% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.25%▲ from 3.90%
  • Sep 21, 20263.90%first recorded
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
419 Rutherford Ave NE, Roanoke, VA 24022
18 Month Term IRA Certificate
$500
4.25% ▲ 1.14% above Virginia avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average3.11%▲ 1.14% above avgNationally 2.87%
Details

Minimum: $500 minimum opening balance

Rate History
No change since Oct 10, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 10, 2026: 4.25% APYOct 10, 2026Oct 13, 2026
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
419 Rutherford Ave NE, Roanoke, VA 24022
18 Month Term Regular Certificate
$500
4.25% ▲ 1.14% above Virginia avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average3.11%▲ 1.14% above avgNationally 2.87%
Details

Minimum: $500 minimum opening balance

Rate History
No change since Oct 10, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 10, 2026: 4.25% APYOct 10, 2026Oct 13, 2026
Oak View National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
340 Waterloo Street, Warrenton, VA 20186
18 MONTH CD
$0
4.15% ▲ 1.04% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.11%▲ 1.04% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 7 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
5875 Trinity Pkwy Ste 111, Centreville, VA 20120
18 Month IRA Traditional & Roth CD
$500
4.15% ▲ 1.04% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.11%▲ 1.04% above avgNationally 2.87%
Details

Rate History
1 change since Sep 21, 2026 · 3.80% → 4.15% ▲ 0.35 pts · high 4.15% / low 3.80%
3.30%3.98%4.65%Sep 21, 2026: 3.80% APYOct 13, 2026: 4.15% APYSep 21, 2026Oct 13, 2026
  • Oct 13, 20264.15%▲ from 3.80%
  • Sep 21, 20263.80%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
5875 Trinity Pkwy Ste 111, Centreville, VA 20120
18 Month Regular CD
$500
4.15% ▲ 1.04% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.11%▲ 1.04% above avgNationally 2.87%
Details

Rate History
1 change since Sep 21, 2026 · 3.80% → 4.15% ▲ 0.35 pts · high 4.15% / low 3.80%
3.30%3.98%4.65%Sep 21, 2026: 3.80% APYOct 5, 2026: 4.15% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.15%▲ from 3.80%
  • Sep 21, 20263.80%first recorded
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
1448 Park Ave NW, Norton, VA 24273
18 Month Certificate
$1,000
4.10% ▲ 0.99% above Virginia avg
View
▼
Rate4.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.11%▲ 0.99% above avgNationally 2.87%
Details

Paid monthly

Rate History
1 change since Sep 14, 2026 · 3.45% → 4.10% ▲ 0.65 pts · high 4.10% / low 3.45%
2.80%3.78%4.75%Sep 14, 2026: 3.45% APYOct 5, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.10%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
Chesapeake Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
97 N Main St, Kilmarnock, VA 22482
18 month Certificate
$0
4.00% ▲ 0.89% above Virginia avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average3.11%▲ 0.89% above avgNationally 2.87%
Details

Certificate ($1,000 minimum balance)

Rate History
No change since Sep 8, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 8, 2026: 4.00% APYSep 8, 2026Oct 13, 2026
MainStreet Bank
Institution Rating:
B-4.4 ★Texas Ratio: 22.15%
10089 Fairfax Blvd, Fairfax, VA 22030
18 Month CD
$500
3.90% ▲ 0.79% above Virginia avg
View
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average3.11%▲ 0.79% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 6 times
3.40%3.90%4.40%Sep 18, 2026: 3.90% APYSep 18, 2026Oct 13, 2026
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
8414 Lee Hwy, Fairfax, VA 22031
18 MONTH SELECT Certificate of Deposit
$1,000
3.85% ▲ 0.74% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average3.11%▲ 0.74% above avgNationally 2.87%
Details

Requires a qualifying checking account.

Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 7, 2026: 3.85% APYOct 7, 2026Oct 13, 2026
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
8414 Lee Hwy, Fairfax, VA 22031
18-Month M&T Select CD
$0
3.85% ▲ 0.74% above Virginia avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average3.11%▲ 0.74% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.99%
12 HERBERT ST, Alexandria, VA 22305
Share and IRA Certificate - 18 Month
$500
3.85% ▲ 0.74% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.11%▲ 0.74% above avgNationally 2.87%
Details

Minimum Balance to Open and Earn APY; Share/IRA/Roth/ESA

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
Beach Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
4164 Virginia Beach Blvd, Virginia Beach, VA 23452
18 Month Share Certificate
$0
3.82% ▲ 0.71% above Virginia avg
View
▼
Rate3.77%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.11%▲ 0.71% above avgNationally 2.87%
Details

Balance: $10,000.00 minimum; Effective Date: January 27, 2026

Rate History
No change since Sep 21, 2026 · 3.82% APY · checked 4 times
3.32%3.82%4.32%Sep 21, 2026: 3.82% APYSep 21, 2026Oct 13, 2026
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
2004 Augustine Ave, Fredericksburg, VA 22401
18-Month Certificate
$0
3.81% ▲ 0.70% above Virginia avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.11%▲ 0.70% above avgNationally 2.87%
Details

Balance: $25,000.00 and over

Rate History
1 change since Sep 14, 2026 · 3.75% → 3.81% ▲ 0.06 pts · high 3.81% / low 3.75%
3.25%3.78%4.31%Sep 14, 2026: 3.75% APYOct 9, 2026: 3.81% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.81%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
50 W Commerce Rd, Richmond, VA 23224 2316
Share Certificates - 18 Months
$500
3.80% ▲ 0.69% above Virginia avg
View
▼
Rate3.73%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.11%▲ 0.69% above avgNationally 2.87%
Details

Rate History
No change since Sep 25, 2026 · 3.80% APY · checked 4 times
3.30%3.80%4.30%Sep 25, 2026: 3.80% APYSep 25, 2026Oct 13, 2026
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
5288 Providence Rd, Virginia Beach, VA 23464 4204
IRA Certificate - 18 Months (Reg/Roth/Educ)
$1,000
3.80% ▲ 0.69% above Virginia avg
View
▼
Rate3.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.11%▲ 0.69% above avgNationally 2.87%
Details

Early withdrawal penalty may apply to all certificates at 15-day x original term of dividends on amount withdrawn.

Rate History
1 change since Sep 18, 2026 · 3.05% → 3.80% ▲ 0.75 pts · high 3.80% / low 3.05%
2.30%3.43%4.55%Sep 18, 2026: 3.05% APYSep 25, 2026: 3.80% APYSep 18, 2026Oct 13, 2026
  • Sep 25, 20263.80%▲ from 3.05%
  • Sep 18, 20263.05%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1345 Perimeter Pkwy, Virginia Beach, VA 23454 5882
18-month term
$0
3.80% ▲ 0.69% above Virginia avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average3.11%▲ 0.69% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.80% / low 3.65%
3.15%3.72%4.30%Sep 14, 2026: 3.65% APYOct 10, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.80%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1345 Perimeter Pkwy, Virginia Beach, VA 23454 5882
IRA Certificates (CDs) - 18-month term
$0
3.80% ▲ 0.69% above Virginia avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average3.11%▲ 0.69% above avgNationally 2.87%
Details

Rate History
No change since Oct 10, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 10, 2026: 3.80% APYOct 10, 2026Oct 13, 2026
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
108 Mcnair Rd, Fort Myer, VA 22211
18 Month Certificate of Deposit
$500
3.75% ▲ 0.64% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average3.11%▲ 0.64% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 2.35% → 3.75% ▲ 1.40 pts · high 3.75% / low 2.35%
0.95%3.05%5.15%Sep 14, 2026: 2.35% APYOct 2, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 2, 20263.75%▲ from 2.35%
  • Sep 14, 20262.35%first recorded
PWC Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
8959 Center St, Manassas, VA 20110 5403
18 Month IRA Certificate
$0
3.72% ▲ 0.61% above Virginia avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.11%▲ 0.61% above avgNationally 2.87%
Details

Dividends paid as of 09/30/2026

Rate History
No change since Sep 18, 2026 · 3.72% APY · checked 4 times
3.22%3.72%4.22%Sep 18, 2026: 3.72% APYSep 18, 2026Oct 13, 2026
PWC Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
8959 Center St, Manassas, VA 20110 5403
18 Month Share Certificate
$0
3.72% ▲ 0.61% above Virginia avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.11%▲ 0.61% above avgNationally 2.87%
Details

Rates effective 09/01/2026; Dividends paid as of 09/30/2026

Rate History
No change since Sep 18, 2026 · 3.72% APY · checked 2 times
3.22%3.72%4.22%Sep 18, 2026: 3.72% APYSep 18, 2026Oct 13, 2026
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
2004 Augustine Ave, Fredericksburg, VA 22401
18-Month Certificate
$0
3.71% ▲ 0.60% above Virginia avg
View
▼
Rate3.66%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.11%▲ 0.60% above avgNationally 2.87%
Details

Balance: $100.00 - $24,999.99

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.71% ▲ 0.06 pts · high 3.71% / low 3.65%
3.15%3.68%4.21%Sep 14, 2026: 3.65% APYOct 9, 2026: 3.71% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.71%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
44315 Ice Rink Plz, Ashburn, VA 20147
18 Month ESA EasyStart Certificate
$50
3.70% ▲ 0.59% above Virginia avg
View
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average3.11%▲ 0.59% above avgNationally 2.87%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 6, 2026: 3.70% APYOct 6, 2026Oct 13, 2026
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
5288 Providence Rd, Virginia Beach, VA 23464 4204
Certificate - 18 Months
$1,000
3.70% ▲ 0.59% above Virginia avg
View
▼
Rate3.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.11%▲ 0.59% above avgNationally 2.87%
Details

Rate History
1 change since Sep 21, 2026 · 3.00% → 3.70% ▲ 0.70 pts · high 3.70% / low 3.00%
2.30%3.35%4.40%Sep 21, 2026: 3.00% APYSep 25, 2026: 3.70% APYSep 21, 2026Oct 13, 2026
  • Sep 25, 20263.70%▲ from 3.00%
  • Sep 21, 20263.00%first recorded
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
6890 Elm St, Mclean, VA 22101
IRA Variable-Rate Certificates - 18-month term
$50
3.66% ▲ 0.55% above Virginia avg
View
▼
Rate3.60%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.11%▲ 0.55% above avgNationally 2.87%
Details

Variable-Rate*

Rate History
No change since Oct 4, 2026 · 3.66% APY · checked 3 times
3.16%3.66%4.16%Oct 4, 2026: 3.66% APYOct 4, 2026Oct 13, 2026
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
6890 Elm St, Mclean, VA 22101
Variable-Rate Certificate - 18-month term
$50
3.66% ▲ 0.55% above Virginia avg
View
▼
Rate3.60%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.11%▲ 0.55% above avgNationally 2.87%
Details

Early withdrawal penalties may apply. Rates subject to change without notice. Certificates will automatically renew upon maturity unless otherwise stipulated by the member. Variable-Rate Certificate Account dividends will be compounded and credited monthly on the last day of each calendar month. For example, dividends for January will be credited on January 31, giving you a more regular return on your deposits. Must establish membership with Lafayette Federal Credit Union, or be an existing member. $50 minimum balance required to open and earn 0.10% APY on Lafayette Federal share savings account balances. $5 minimum balance required to open and earn 0.025% APY on LFCU checking account balances. APY=Annual Percentage Yield. The rates and terms shown are effective as of September 23, 2026.

Rate History
No change since Oct 8, 2026 · 3.66% APY · checked 2 times
3.16%3.66%4.16%Oct 8, 2026: 3.66% APYOct 8, 2026Oct 13, 2026
Homebase Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
4495 Crossings Blvd, Prince George, VA 23875
Share Certificate - 18 Month
$2,500
3.66% ▲ 0.55% above Virginia avg
View
▼
Rate3.60%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.11%▲ 0.55% above avgNationally 2.87%
Details

Dividend rate 3.60%; minimum balance of $2,500.00 required to open and earn dividends; early withdrawal penalty of 180 days of dividends

Rate History
No change since Sep 17, 2026 · 3.66% APY · checked 3 times
3.16%3.66%4.16%Sep 17, 2026: 3.66% APYSep 17, 2026Oct 13, 2026
Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.94%
22110 Pacific Blvd Ste 100, Sterling, VA 20166
18 Month Share Certificates
$0
3.66% ▲ 0.55% above Virginia avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.11%▲ 0.55% above avgNationally 2.87%
Details

Minimum Balance $1,500

Rate History
No change since Sep 18, 2026 · 3.66% APY · checked 7 times
3.16%3.66%4.16%Sep 18, 2026: 3.66% APYSep 18, 2026Oct 13, 2026
Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.94%
22110 Pacific Blvd Ste 100, Sterling, VA 20166
IRA Certificates - 18 month
$0
3.66% ▲ 0.55% above Virginia avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.11%▲ 0.55% above avgNationally 2.87%
Details

Also applies to Traditional, Roth and Education IRAs

Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 2 times
3.16%3.66%4.16%Sep 14, 2026: 3.66% APYSep 14, 2026Oct 13, 2026
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
2130 N Glebe Rd, Arlington, VA 22207
18 Month Certificate - Platinum
$500
3.65% ▲ 0.54% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.11%▲ 0.54% above avgNationally 2.87%
Details

Platinum APY; Effective April 17, 2026

Rate History
No change since Oct 12, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 12, 2026: 3.65% APYOct 12, 2026Oct 13, 2026
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
2130 N Glebe Rd, Arlington, VA 22207
Share & IRA Certificate - 18 Month - Platinum
$500
3.65% ▲ 0.54% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.11%▲ 0.54% above avgNationally 2.87%
Details

Platinum APY* program rate; Minimum to Earn Dividends $500; Rates Effective: April 17, 2026

Rate History
No change since Oct 12, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 12, 2026: 3.65% APYOct 12, 2026Oct 13, 2026
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
2004 Augustine Ave, Fredericksburg, VA 22401
Business 18-Month Share Certificate
$0
3.65% ▲ 0.54% above Virginia avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.11%▲ 0.54% above avgNationally 2.87%
Details

Balance: $25,000.00 + over

Rate History
No change since Oct 9, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 9, 2026: 3.65% APYOct 9, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
1680 Capital One Dr, Mclean, VA 22102
18 Month Certificate
$0
3.60% ▲ 0.49% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average3.11%▲ 0.49% above avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 7, 2026: 3.60% APYOct 7, 2026Oct 13, 2026
Commonwealth One Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.04%
4875 Eisenhower Ave, Alexandria, VA 22304 4886
18 Month Jumbo Share Certificate
$100,000
3.55% ▲ 0.44% above Virginia avg
View
▼
Rate3.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.11%▲ 0.44% above avgNationally 2.87%
Details

Jumbo IRA Share Certificate also listed in this table

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 5 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
2130 N Glebe Rd, Arlington, VA 22207
18 Month Certificate
$500
3.55% ▲ 0.44% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.11%▲ 0.44% above avgNationally 2.87%
Details

Standard APY; Effective April 17, 2026

Rate History
No change since Sep 12, 2026 · 3.55% APY · checked 5 times
3.05%3.55%4.05%Sep 12, 2026: 3.55% APYSep 12, 2026Oct 13, 2026

Virginia 24 Month CD Rates

MonitorBankRates Virginia Average · 24 Month CD2.94% APY▼ 0.01% from last weekNational 2.88%
View 24-month CD rate trend

The average 24-month CD rate in Virginia is 2.94% APY, compared with 2.88% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
1800 Tysons Blvd, Tysons, VA 22102
24 Month CD
$1,000
4.45% ▲ 1.51% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.94%▲ 1.51% above avgNationally 2.88%
Details

New Money CDs

Rate History
No change since Sep 24, 2026 · 4.45% APY · checked 5 times
3.95%4.45%4.95%Sep 24, 2026: 4.45% APYSep 24, 2026Oct 13, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
1800 Tysons Blvd, Tysons, VA 22102
24 Month New Money CD
$1,000
4.45% ▲ 1.51% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.94%▲ 1.51% above avgNationally 2.88%
Details

Exclusively for Premier clients.

Rate History
No change since Sep 27, 2026 · 4.45% APY · checked 4 times
3.95%4.45%4.95%Sep 27, 2026: 4.45% APYSep 27, 2026Oct 13, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
5875 Trinity Pkwy Ste 111, Centreville, VA 20120
24 Month Elite Jumbo CD
$250,000
4.45% ▲ 1.51% above Virginia avg
View
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.94%▲ 1.51% above avgNationally 2.88%
Details

Rate History
1 change since Sep 21, 2026 · 4.10% → 4.45% ▲ 0.35 pts · high 4.45% / low 4.10%
3.60%4.28%4.95%Sep 21, 2026: 4.10% APYOct 5, 2026: 4.45% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.45%▲ from 4.10%
  • Sep 21, 20264.10%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
1800 Tysons Blvd, Tysons, VA 22102
24 Month CD
$1,000
4.40% ▲ 1.46% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.94%▲ 1.46% above avgNationally 2.88%
Details

Online CDs

Rate History
No change since Sep 24, 2026 · 4.40% APY · checked 5 times
3.90%4.40%4.90%Sep 24, 2026: 4.40% APYSep 24, 2026Oct 13, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
1800 Tysons Blvd, Tysons, VA 22102
24 Month Online CD
$1,000
4.40% ▲ 1.46% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.94%▲ 1.46% above avgNationally 2.88%
Details

Minimum balance to open and obtain APY is $1000.

Rate History
No change since Sep 27, 2026 · 4.40% APY · checked 4 times
3.90%4.40%4.90%Sep 27, 2026: 4.40% APYSep 27, 2026Oct 13, 2026
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1130 W Broad St, Falls Church, VA 22046 2114
24 Month Share Certificate
$0
4.40% ▲ 1.46% above Virginia avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.94%▲ 1.46% above avgNationally 2.88%
Details

Balance: $1,000

Rate History
1 change since Sep 18, 2026 · 4.10% → 4.40% ▲ 0.30 pts · high 4.40% / low 4.10%
3.60%4.25%4.90%Sep 18, 2026: 4.10% APYSep 27, 2026: 4.40% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20264.40%▲ from 4.10%
  • Sep 18, 20264.10%first recorded
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
10461 White Granite Dr, Oakton, VA 22124
2 Year Certificate - Special Rate
$1,000
4.40% ▲ 1.46% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.94%▲ 1.46% above avgNationally 2.88%
Details

Special Rate (APY)

Rate History
No change since Oct 12, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 12, 2026: 4.40% APYOct 12, 2026Oct 13, 2026
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
11166 Fairfax Blvd, Fairfax, VA 22030
24 Month CD
$1,000
4.35% ▲ 1.41% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.94%▲ 1.41% above avgNationally 2.88%
Details

The Annual Percentage Yield (APY) is accurate as of 09/24/2026. APY assumes interest remains on deposit until maturity date. Penalty for early withdrawal may reduce earnings. Fees may reduce earnings. Rates are subject to change at any time and are not guaranteed until the account is opened.

Rate History
No change since Sep 18, 2026 · 4.35% APY · checked 6 times
3.85%4.35%4.85%Sep 18, 2026: 4.35% APYSep 18, 2026Oct 13, 2026
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
11166 Fairfax Blvd, Fairfax, VA 22030
24 Month Certificate
$1,000
4.35% ▲ 1.41% above Virginia avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.94%▲ 1.41% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 7, 2026: 4.35% APYOct 7, 2026Oct 13, 2026
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
44747 Brimfield Dr, Ashburn, VA 20147 5920
Business Share Certificates - 24 Months
$500
4.35% ▲ 1.41% above Virginia avg
View
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.94%▲ 1.41% above avgNationally 2.88%
Details

Penalties apply for early withdrawal

Rate History
No change since Oct 4, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 4, 2026: 4.35% APYOct 4, 2026Oct 13, 2026
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
44747 Brimfield Dr, Ashburn, VA 20147 5920
Share Certificates - 24 Months
$500
4.35% ▲ 1.41% above Virginia avg
View
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.94%▲ 1.41% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.67% → 4.35% ▲ 0.68 pts · high 4.35% / low 3.67%
2.99%4.01%5.03%Sep 14, 2026: 3.67% APYOct 4, 2026: 4.35% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20264.35%▲ from 3.67%
  • Sep 14, 20263.67%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
44747 Brimfield Dr, Ashburn, VA 20147 5920
Traditional IRA Certificates - 24 Months
$500
4.35% ▲ 1.41% above Virginia avg
View
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.94%▲ 1.41% above avgNationally 2.88%
Details

Minimum balance of $500 required; Dividends compounded daily and credited monthly; Penalties apply for early withdrawal; Membership required; IRA Certificates(Traditional, Roth, SEP and Coverdell ESA)

Rate History
No change since Oct 8, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 8, 2026: 4.35% APYOct 8, 2026Oct 13, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
12011 Sunset Hills Rd Ste 110, Reston, VA 20190 5919
24 Month Share Certificate
$100,000
4.35% ▲ 1.41% above Virginia avg
View
▼
Rate4.26%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.94%▲ 1.41% above avgNationally 2.88%
Details

Rate Effective Date: October 12, 2026

Rate History
1 change since Oct 5, 2026 · 3.80% → 4.35% ▲ 0.55 pts · high 4.35% / low 3.80%
3.25%4.07%4.90%Oct 5, 2026: 3.80% APYOct 13, 2026: 4.35% APYOct 5, 2026Oct 13, 2026
  • Oct 13, 20264.35%▲ from 3.80%
  • Oct 5, 20263.80%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
1680 Capital One Dr, Mclean, VA 22102
24 Month 360 CDs
$0
4.30% ▲ 1.36% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.94%▲ 1.36% above avgNationally 2.88%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1130 W Broad St, Falls Church, VA 22046 2114
24 Month Share Certificate
$0
4.30% ▲ 1.36% above Virginia avg
View
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.94%▲ 1.36% above avgNationally 2.88%
Details

Bump Rate; Balance: $1,000

Rate History
1 change since Sep 18, 2026 · 4.10% → 4.30% ▲ 0.20 pts · high 4.30% / low 4.10%
3.60%4.20%4.80%Sep 18, 2026: 4.10% APYSep 27, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20264.30%▲ from 4.10%
  • Sep 18, 20264.10%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
5875 Trinity Pkwy Ste 111, Centreville, VA 20120
24 Month Jumbo CD
$50,000
4.30% ▲ 1.36% above Virginia avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.94%▲ 1.36% above avgNationally 2.88%
Details

Rate History
1 change since Sep 21, 2026 · 3.95% → 4.30% ▲ 0.35 pts · high 4.30% / low 3.95%
3.45%4.13%4.80%Sep 21, 2026: 3.95% APYOct 5, 2026: 4.30% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.30%▲ from 3.95%
  • Sep 21, 20263.95%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
MITRE Building 2, McLean, VA 22102
Share Certificate - 24 Month
$1,000
4.25% ▲ 1.31% above Virginia avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.94%▲ 1.31% above avgNationally 2.88%
Details

Minimum to open $1,000.00

Rate History
No change since Oct 12, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 12, 2026: 4.25% APYOct 12, 2026Oct 13, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
12011 Sunset Hills Rd Ste 110, Reston, VA 20190 5919
24 Month Share Certificate
$500
4.25% ▲ 1.31% above Virginia avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.94%▲ 1.31% above avgNationally 2.88%
Details

Rate History
1 change since Oct 5, 2026 · 3.80% → 4.25% ▲ 0.45 pts · high 4.25% / low 3.80%
3.30%4.03%4.75%Oct 5, 2026: 3.80% APYOct 13, 2026: 4.25% APYOct 5, 2026Oct 13, 2026
  • Oct 13, 20264.25%▲ from 3.80%
  • Oct 5, 20263.80%first recorded
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
419 Rutherford Ave NE, Roanoke, VA 24022
2 Year Term IRA Certificate
$500
4.25% ▲ 1.31% above Virginia avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average2.94%▲ 1.31% above avgNationally 2.88%
Details

Minimum: $500 minimum opening balance

Rate History
No change since Oct 10, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 10, 2026: 4.25% APYOct 10, 2026Oct 13, 2026
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
419 Rutherford Ave NE, Roanoke, VA 24022
2 Year Term Regular Certificate
$500
4.25% ▲ 1.31% above Virginia avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average2.94%▲ 1.31% above avgNationally 2.88%
Details

Minimum: $500 minimum opening balance

Rate History
No change since Oct 10, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 10, 2026: 4.25% APYOct 10, 2026Oct 13, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
5875 Trinity Pkwy Ste 111, Centreville, VA 20120
2 Year IRA Traditional & Roth CD
$500
4.20% ▲ 1.26% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.94%▲ 1.26% above avgNationally 2.88%
Details

Rate History
1 change since Sep 21, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
3.35%4.03%4.70%Sep 21, 2026: 3.85% APYOct 13, 2026: 4.20% APYSep 21, 2026Oct 13, 2026
  • Oct 13, 20264.20%▲ from 3.85%
  • Sep 21, 20263.85%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
5875 Trinity Pkwy Ste 111, Centreville, VA 20120
24 Month Regular CD
$500
4.20% ▲ 1.26% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.94%▲ 1.26% above avgNationally 2.88%
Details

Rate History
1 change since Sep 21, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
3.35%4.03%4.70%Sep 21, 2026: 3.85% APYOct 5, 2026: 4.20% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.20%▲ from 3.85%
  • Sep 21, 20263.85%first recorded
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
1448 Park Ave NW, Norton, VA 24273
24 Month Certificate
$1,000
4.15% ▲ 1.21% above Virginia avg
View
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.94%▲ 1.21% above avgNationally 2.88%
Details

Paid monthly

Rate History
1 change since Sep 14, 2026 · 3.45% → 4.15% ▲ 0.70 pts · high 4.15% / low 3.45%
2.75%3.80%4.85%Sep 14, 2026: 3.45% APYOct 5, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.15%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2300 Wilson Blvd, Arlington, VA 22201
24 Month IRA Certificate
$0
4.13% ▲ 1.19% above Virginia avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average2.94%▲ 1.19% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 4.13% APY · checked 3 times
3.63%4.13%4.63%Sep 18, 2026: 4.13% APYSep 18, 2026Oct 13, 2026
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2300 Wilson Blvd, Arlington, VA 22201
24 Month Share Certificate
$0
4.13% ▲ 1.19% above Virginia avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average2.94%▲ 1.19% above avgNationally 2.88%
Details

Balance: $1M+

Rate History
No change since Sep 14, 2026 · 4.13% APY · checked 5 times
3.63%4.13%4.63%Sep 14, 2026: 4.13% APYSep 14, 2026Oct 13, 2026
Loudoun Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
801 Sycolin Rd SE Ste 101, Leesburg, VA 20175
Share Certificate - 24 Months
$1,000
4.06% ▲ 1.12% above Virginia avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.94%▲ 1.12% above avgNationally 2.88%
Details

Dividends calculated on Daily Balance method, compounded and paid Quarterly; CD withdrawal penalties: up to 1 year: 90 days interest, over 1 year: 180 days interest

Rate History
1 change since Sep 18, 2026 · 3.80% → 4.06% ▲ 0.26 pts · high 4.06% / low 3.80%
3.30%3.93%4.56%Sep 18, 2026: 3.80% APYOct 13, 2026: 4.06% APYSep 18, 2026Oct 13, 2026
  • Oct 13, 20264.06%▲ from 3.80%
  • Sep 18, 20263.80%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
7575 Colshire Dr, McLean, VA 22102 7508
Bonus Certificates - 24 Month
$0
4.02% ▲ 1.08% above Virginia avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.94%▲ 1.08% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.96% → 4.02% ▲ 0.06 pts · high 4.02% / low 3.96%
3.46%3.99%4.52%Sep 14, 2026: 3.96% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.02%▲ from 3.96%
  • Sep 14, 20263.96%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
7575 Colshire Dr, McLean, VA 22102 7508
Bonus IRA Certificates - 24 Month
$0
4.02% ▲ 1.08% above Virginia avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.94%▲ 1.08% above avgNationally 2.88%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply

Rate History
2 changes since Sep 14, 2026 · 3.96% → 4.02% ▲ 0.06 pts · high 4.02% / low 3.96%
3.46%3.99%4.52%Sep 14, 2026: 3.96% APYSep 25, 2026: 3.97% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.02%▲ from 3.97%
  • Sep 25, 20263.97%▲ from 3.96%
  • Sep 14, 20263.96%first recorded
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
10461 White Granite Dr, Oakton, VA 22124
2 Year Certificate
$1,000
4.00% ▲ 1.06% above Virginia avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.94%▲ 1.06% above avgNationally 2.88%
Details

Rate History
1 change since Sep 20, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
3.10%3.80%4.50%Sep 20, 2026: 3.60% APYOct 4, 2026: 4.00% APYSep 20, 2026Oct 13, 2026
  • Oct 4, 20264.00%▲ from 3.60%
  • Sep 20, 20263.60%first recorded
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
10461 White Granite Dr, Oakton, VA 22124
Jumbo - 2 Year Certificate
$100,000
4.00% ▲ 1.06% above Virginia avg
View
▼
Rate3.92%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.94%▲ 1.06% above avgNationally 2.88%
Details

Rate History
1 change since Sep 20, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70%
3.20%3.85%4.50%Sep 20, 2026: 3.70% APYOct 4, 2026: 4.00% APYSep 20, 2026Oct 13, 2026
  • Oct 4, 20264.00%▲ from 3.70%
  • Sep 20, 20263.70%first recorded
Henrico Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
8611 Dixon Powers Dr, Henrico, VA 23228
24 Month Certificate
$0
4.00% ▲ 1.06% above Virginia avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.94%▲ 1.06% above avgNationally 2.88%
Details

Min. Balance to Earn Dividends: $100,000

Rate History
1 change since Sep 21, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
3.30%3.90%4.50%Sep 21, 2026: 3.80% APYOct 5, 2026: 4.00% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.00%▲ from 3.80%
  • Sep 21, 20263.80%first recorded
Argent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
11651 Alliance Cir, Chester, VA 23831 1451
24 Month IRA Certificates - Jumbo Certificate
$0
4.00% ▲ 1.06% above Virginia avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.94%▲ 1.06% above avgNationally 2.88%
Details

IRA Jumbo Certificate; early withdrawal penalty applies

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 13, 2026
Argent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
11651 Alliance Cir, Chester, VA 23831 1451
24 Month Jumbo Certificate
$0
4.00% ▲ 1.06% above Virginia avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.94%▲ 1.06% above avgNationally 2.88%
Details

Effective: July 1, 2026

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
265 Jones St, Gate City, VA 24251
1 - 2 Year Business Investment Certificate
$1,000
4.00% ▲ 1.06% above Virginia avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average2.94%▲ 1.06% above avgNationally 2.88%
Details

Term: 1 to 2 Years (365 to 729 days); Jumbo APY ($100k Minimum): 4.05%; Jumbo Dividend Rate ($100k minimum): 3.98%; Early Withdrawal Penalty: 180 Days' Dividends

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
265 Jones St, Gate City, VA 24251
1 - 2 Year Investment Certificate
$1,000
4.00% ▲ 1.06% above Virginia avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average2.94%▲ 1.06% above avgNationally 2.88%
Details

Term: 1 to 2 Years (365 to 729 days); Jumbo APY ($100k Minimum): 4.05%; Jumbo Dividend Rate ($100k minimum): 3.98%; Early Withdrawal Penalty: 90 Days' Dividends

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
1630 King St, Alexandria, VA 22314 2763
24 Month Jumbo Certificate
$0
3.96% ▲ 1.02% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.94%▲ 1.02% above avgNationally 2.88%
Details

Rate History
No change since Sep 25, 2026 · 3.96% APY · checked 4 times
3.46%3.96%4.46%Sep 25, 2026: 3.96% APYSep 25, 2026Oct 13, 2026
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.99%
12 HERBERT ST, Alexandria, VA 22305
Share and IRA Certificate - 24 Month
$500
3.95% ▲ 1.01% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.94%▲ 1.01% above avgNationally 2.88%
Details

Minimum Balance to Open and Earn APY; Share/IRA/Roth/ESA

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
1630 King St, Alexandria, VA 22314 2763
24 Month IRA Certificate
$0
3.91% ▲ 0.97% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.94%▲ 0.97% above avgNationally 2.88%
Details

Minimum Balances of $500

Rate History
No change since Sep 25, 2026 · 3.91% APY · checked 4 times
3.41%3.91%4.41%Sep 25, 2026: 3.91% APYSep 25, 2026Oct 13, 2026
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.20%
721 Lakefront Cmns, Newport News, VA 23606
24 Month Fixed Rate
$0
3.90% ▲ 0.96% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.94%▲ 0.96% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.75% → 3.90% ▲ 0.15 pts · high 3.90% / low 3.75%
3.25%3.83%4.40%Sep 18, 2026: 3.75% APYSep 27, 2026: 3.90% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20263.90%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Chesapeake Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
97 N Main St, Kilmarnock, VA 22482
2 year Certificate
$0
3.90% ▲ 0.96% above Virginia avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.94%▲ 0.96% above avgNationally 2.88%
Details

Certificate ($1,000 minimum balance)

Rate History
No change since Sep 8, 2026 · 3.90% APY · checked 8 times
3.40%3.90%4.40%Sep 8, 2026: 3.90% APYSep 8, 2026Oct 13, 2026
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2300 Wilson Blvd, Arlington, VA 22201
24 Month Share Certificate
$0
3.87% ▲ 0.93% above Virginia avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average2.94%▲ 0.93% above avgNationally 2.88%
Details

Balance: $250,000-$999,999

Rate History
No change since Sep 14, 2026 · 3.87% APY · checked 5 times
3.37%3.87%4.37%Sep 14, 2026: 3.87% APYSep 14, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
7575 Colshire Dr, McLean, VA 22102 7508
Certificates - 24 Month
$0
3.86% ▲ 0.92% above Virginia avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.94%▲ 0.92% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 14, 2026 · 3.80% → 3.86% ▲ 0.06 pts · high 3.86% / low 3.80%
3.30%3.83%4.36%Sep 14, 2026: 3.80% APYSep 25, 2026: 3.81% APYOct 9, 2026: 3.86% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.86%▲ from 3.81%
  • Sep 25, 20263.81%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
FNB Bank, Inc. Romney, WV
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
731 Warrior Dr, Stephens City, VA 22655
24 MONTH CD SPECIAL
$1,000
3.85% ▲ 0.91% above Virginia avg
View
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.94%▲ 0.91% above avgNationally 2.88%
Details

Rate History
No change since Sep 24, 2026 · 3.85% APY · checked 5 times
3.35%3.85%4.35%Sep 24, 2026: 3.85% APYSep 24, 2026Oct 13, 2026
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
1630 King St, Alexandria, VA 22314 2763
24 Month Certificate
$0
3.85% ▲ 0.91% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.94%▲ 0.91% above avgNationally 2.88%
Details

Rate History
No change since Sep 25, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Sep 25, 2026: 3.85% APYSep 25, 2026Oct 13, 2026
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
50 W Commerce Rd, Richmond, VA 23224 2316
Share Certificates - 24 Months
$500
3.85% ▲ 0.91% above Virginia avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.94%▲ 0.91% above avgNationally 2.88%
Details

Rate History
No change since Sep 25, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Sep 25, 2026: 3.85% APYSep 25, 2026Oct 13, 2026
Vantage Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
3600 OAKLAWN BLVD, HOPEWELL, VA 23860
24 Month Share & IRA Share Certificates
$0
3.82% ▲ 0.88% above Virginia avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.94%▲ 0.88% above avgNationally 2.88%
Details

Rate History
No change since Oct 13, 2026 · 3.82% APY
3.32%3.82%4.32%Oct 13, 2026: 3.82% APYOct 13, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
7575 Colshire Dr, McLean, VA 22102 7508
24 Month IRA Certificates
$0
3.82% ▲ 0.88% above Virginia avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.94%▲ 0.88% above avgNationally 2.88%
Details

Rate History
1 change since Oct 5, 2026 · 3.81% → 3.82% ▲ 0.01 pts · high 3.82% / low 3.81%
3.31%3.82%4.32%Oct 5, 2026: 3.81% APYOct 9, 2026: 3.82% APYOct 5, 2026Oct 13, 2026
  • Oct 9, 20263.82%▲ from 3.81%
  • Oct 5, 20263.81%first recorded
Argent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
11651 Alliance Cir, Chester, VA 23831 1451
24 Month Certificates
$0
3.80% ▲ 0.86% above Virginia avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.94%▲ 0.86% above avgNationally 2.88%
Details

Effective: July 1, 2026

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
Argent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
11651 Alliance Cir, Chester, VA 23831 1451
IRA Certificates - 24 month
$0
3.80% ▲ 0.86% above Virginia avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.94%▲ 0.86% above avgNationally 2.88%
Details

IRA Certificate; early withdrawal penalty applies

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
Loudoun Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
801 Sycolin Rd SE Ste 101, Leesburg, VA 20175
IRA Certificates - 24-Month Roth
$1,000
3.80% ▲ 0.86% above Virginia avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.94%▲ 0.86% above avgNationally 2.88%
Details

Roth IRA; Dividends calculated on Daily Balance method, compounded and paid Quarterly; CD withdrawal penalties: up to 1 year: 90 days interest, over 1 year: 180 days interest

Rate History
No change since Oct 13, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 13, 2026: 3.80% APYOct 13, 2026Oct 13, 2026

Virginia 36 Month CD Rates

MonitorBankRates Virginia Average · 36 Month CD2.90% APY▼ 0.03% from last weekNational 2.81%
View 36-month CD rate trend

The average 36-month CD rate in Virginia is 2.90% APY, compared with 2.81% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2300 Wilson Blvd, Arlington, VA 22201
36 Month IRA Certificate
$0
4.59% ▲ 1.69% above Virginia avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average2.90%▲ 1.69% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 4.59% APY · checked 3 times
4.09%4.59%5.09%Sep 18, 2026: 4.59% APYSep 18, 2026Oct 13, 2026
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2300 Wilson Blvd, Arlington, VA 22201
36 Month Share Certificate
$0
4.59% ▲ 1.69% above Virginia avg
View
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average2.90%▲ 1.69% above avgNationally 2.81%
Details

Balance: $1M+

Rate History
No change since Sep 14, 2026 · 4.59% APY · checked 5 times
4.09%4.59%5.09%Sep 14, 2026: 4.59% APYSep 14, 2026Oct 13, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
5875 Trinity Pkwy Ste 111, Centreville, VA 20120
36 Month Elite Jumbo CD
$250,000
4.50% ▲ 1.60% above Virginia avg
View
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.90%▲ 1.60% above avgNationally 2.81%
Details

Rate History
1 change since Sep 21, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15%
3.65%4.33%5.00%Sep 21, 2026: 4.15% APYOct 5, 2026: 4.50% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.50%▲ from 4.15%
  • Sep 21, 20264.15%first recorded
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1130 W Broad St, Falls Church, VA 22046 2114
36 Month Share Certificate
$0
4.45% ▲ 1.55% above Virginia avg
View
▼
Rate4.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.90%▲ 1.55% above avgNationally 2.81%
Details

Balance: $1,000

Rate History
1 change since Sep 18, 2026 · 4.15% → 4.45% ▲ 0.30 pts · high 4.45% / low 4.15%
3.65%4.30%4.95%Sep 18, 2026: 4.15% APYSep 27, 2026: 4.45% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20264.45%▲ from 4.15%
  • Sep 18, 20264.15%first recorded
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
10461 White Granite Dr, Oakton, VA 22124
3 Year Certificate - Special Rate
$1,000
4.40% ▲ 1.50% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.90%▲ 1.50% above avgNationally 2.81%
Details

Special Rate (APY)

Rate History
No change since Oct 12, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 12, 2026: 4.40% APYOct 12, 2026Oct 13, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
12011 Sunset Hills Rd Ste 110, Reston, VA 20190 5919
36 Month Share Certificate
$100,000
4.40% ▲ 1.50% above Virginia avg
View
▼
Rate4.31%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.90%▲ 1.50% above avgNationally 2.81%
Details

Rate Effective Date: October 12, 2026

Rate History
1 change since Oct 5, 2026 · 3.80% → 4.40% ▲ 0.60 pts · high 4.40% / low 3.80%
3.20%4.10%5.00%Oct 5, 2026: 3.80% APYOct 13, 2026: 4.40% APYOct 5, 2026Oct 13, 2026
  • Oct 13, 20264.40%▲ from 3.80%
  • Oct 5, 20263.80%first recorded
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1130 W Broad St, Falls Church, VA 22046 2114
36 Month Share Certificate
$0
4.35% ▲ 1.45% above Virginia avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.90%▲ 1.45% above avgNationally 2.81%
Details

Bump Rate; Balance: $1,000

Rate History
1 change since Sep 18, 2026 · 4.15% → 4.35% ▲ 0.20 pts · high 4.35% / low 4.15%
3.65%4.25%4.85%Sep 18, 2026: 4.15% APYSep 27, 2026: 4.35% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20264.35%▲ from 4.15%
  • Sep 18, 20264.15%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
44747 Brimfield Dr, Ashburn, VA 20147 5920
Business Share Certificates - 36 Months
$500
4.35% ▲ 1.45% above Virginia avg
View
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.90%▲ 1.45% above avgNationally 2.81%
Details

Penalties apply for early withdrawal

Rate History
No change since Oct 4, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 4, 2026: 4.35% APYOct 4, 2026Oct 13, 2026
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
44747 Brimfield Dr, Ashburn, VA 20147 5920
Share Certificates - 36 Months
$500
4.35% ▲ 1.45% above Virginia avg
View
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.90%▲ 1.45% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.82% → 4.35% ▲ 0.53 pts · high 4.35% / low 3.82%
3.29%4.08%4.88%Sep 14, 2026: 3.82% APYOct 4, 2026: 4.35% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20264.35%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
44747 Brimfield Dr, Ashburn, VA 20147 5920
Traditional IRA Certificates - 36 Months
$500
4.35% ▲ 1.45% above Virginia avg
View
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.90%▲ 1.45% above avgNationally 2.81%
Details

Minimum balance of $500 required; Dividends compounded daily and credited monthly; Penalties apply for early withdrawal; Membership required; IRA Certificates(Traditional, Roth, SEP and Coverdell ESA)

Rate History
No change since Oct 8, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 8, 2026: 4.35% APYOct 8, 2026Oct 13, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
5875 Trinity Pkwy Ste 111, Centreville, VA 20120
36 Month Jumbo CD
$50,000
4.35% ▲ 1.45% above Virginia avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.90%▲ 1.45% above avgNationally 2.81%
Details

Rate History
1 change since Sep 21, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
3.50%4.18%4.85%Sep 21, 2026: 4.00% APYOct 5, 2026: 4.35% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.35%▲ from 4.00%
  • Sep 21, 20264.00%first recorded
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2300 Wilson Blvd, Arlington, VA 22201
36 Month Share Certificate
$0
4.33% ▲ 1.43% above Virginia avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average2.90%▲ 1.43% above avgNationally 2.81%
Details

Balance: $250,000-$999,999

Rate History
No change since Sep 14, 2026 · 4.33% APY · checked 5 times
3.83%4.33%4.83%Sep 14, 2026: 4.33% APYSep 14, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
1680 Capital One Dr, Mclean, VA 22102
36 Month 360 CDs
$0
4.30% ▲ 1.40% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.90%▲ 1.40% above avgNationally 2.81%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
12011 Sunset Hills Rd Ste 110, Reston, VA 20190 5919
36 Month Share Certificate
$500
4.30% ▲ 1.40% above Virginia avg
View
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.90%▲ 1.40% above avgNationally 2.81%
Details

Rate History
1 change since Oct 5, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
3.30%4.05%4.80%Oct 5, 2026: 3.80% APYOct 13, 2026: 4.30% APYOct 5, 2026Oct 13, 2026
  • Oct 13, 20264.30%▲ from 3.80%
  • Oct 5, 20263.80%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
MITRE Building 2, McLean, VA 22102
Share Certificate - 36 Month
$1,000
4.25% ▲ 1.35% above Virginia avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.90%▲ 1.35% above avgNationally 2.81%
Details

Minimum to open $1,000.00

Rate History
No change since Oct 12, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 12, 2026: 4.25% APYOct 12, 2026Oct 13, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
5875 Trinity Pkwy Ste 111, Centreville, VA 20120
3 Year IRA Traditional & Roth CD
$500
4.25% ▲ 1.35% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.90%▲ 1.35% above avgNationally 2.81%
Details

Rate History
1 change since Sep 21, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
3.40%4.08%4.75%Sep 21, 2026: 3.90% APYOct 13, 2026: 4.25% APYSep 21, 2026Oct 13, 2026
  • Oct 13, 20264.25%▲ from 3.90%
  • Sep 21, 20263.90%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
5875 Trinity Pkwy Ste 111, Centreville, VA 20120
36 Month Regular CD
$500
4.25% ▲ 1.35% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.90%▲ 1.35% above avgNationally 2.81%
Details

Rate History
1 change since Sep 21, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
3.40%4.08%4.75%Sep 21, 2026: 3.90% APYOct 5, 2026: 4.25% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.25%▲ from 3.90%
  • Sep 21, 20263.90%first recorded
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
419 Rutherford Ave NE, Roanoke, VA 24022
3 Year Term IRA Certificate
$500
4.25% ▲ 1.35% above Virginia avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average2.90%▲ 1.35% above avgNationally 2.81%
Details

Minimum: $500 minimum opening balance

Rate History
No change since Oct 10, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 10, 2026: 4.25% APYOct 10, 2026Oct 13, 2026
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
419 Rutherford Ave NE, Roanoke, VA 24022
3 Year Term Regular Certificate
$500
4.25% ▲ 1.35% above Virginia avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average2.90%▲ 1.35% above avgNationally 2.81%
Details

Minimum: $500 minimum opening balance

Rate History
No change since Oct 10, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 10, 2026: 4.25% APYOct 10, 2026Oct 13, 2026
First Sentinel Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
315 Railroad Ave, Richlands, VA 24641
36-Month CD/IRA
$500
4.16% ▲ 1.26% above Virginia avg
View
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.90%▲ 1.26% above avgNationally 2.81%
Details

Rate History
No change since Sep 30, 2026 · 4.16% APY · checked 4 times
3.66%4.16%4.66%Sep 30, 2026: 4.16% APYSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
44315 Ice Rink Plz, Ashburn, VA 20147
3 Year ESA Long-Term Certificate
$100,000
4.15% ▲ 1.25% above Virginia avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average2.90%▲ 1.25% above avgNationally 2.81%
Details

Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Sep 30, 2026: 4.15% APYSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
44315 Ice Rink Plz, Ashburn, VA 20147
3 Year ESA Long-Term Certificate
$1,000
4.10% ▲ 1.20% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average2.90%▲ 1.20% above avgNationally 2.81%
Details

Balance: $1,000 - $19,999.99; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 30, 2026: 4.10% APYSep 30, 2026Oct 13, 2026
Democracy Federal Credit Union
Institution Rating:
A-4.6 ★Texas Ratio: 9.01%
400 N Columbus St, Alexandria, VA 22314
36 Month Traditional or Roth IRA Certificate
$2,000
4.10% ▲ 1.20% above Virginia avg
View
▼
Rate4.04%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.90%▲ 1.20% above avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 8, 2026: 4.10% APYOct 8, 2026Oct 13, 2026
Henrico Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
8611 Dixon Powers Dr, Henrico, VA 23228
36 Month Certificate
$0
4.10% ▲ 1.20% above Virginia avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.90%▲ 1.20% above avgNationally 2.81%
Details

Min. Balance to Earn Dividends: $100,000

Rate History
1 change since Sep 21, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
3.35%3.97%4.60%Sep 21, 2026: 3.85% APYOct 5, 2026: 4.10% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.10%▲ from 3.85%
  • Sep 21, 20263.85%first recorded
Loudoun Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
801 Sycolin Rd SE Ste 101, Leesburg, VA 20175
Share Certificate - 36 Months
$1,000
4.06% ▲ 1.16% above Virginia avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.90%▲ 1.16% above avgNationally 2.81%
Details

Dividends calculated on Daily Balance method, compounded and paid Quarterly; CD withdrawal penalties: up to 1 year: 90 days interest, over 1 year: 180 days interest

Rate History
1 change since Sep 18, 2026 · 3.75% → 4.06% ▲ 0.31 pts · high 4.06% / low 3.75%
3.25%3.91%4.56%Sep 18, 2026: 3.75% APYOct 13, 2026: 4.06% APYSep 18, 2026Oct 13, 2026
  • Oct 13, 20264.06%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
1448 Park Ave NW, Norton, VA 24273
36 Month Certificate
$1,000
4.05% ▲ 1.15% above Virginia avg
View
▼
Rate3.98%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.90%▲ 1.15% above avgNationally 2.81%
Details

Paid monthly

Rate History
1 change since Sep 14, 2026 · 3.40% → 4.05% ▲ 0.65 pts · high 4.05% / low 3.40%
2.75%3.72%4.70%Sep 14, 2026: 3.40% APYOct 5, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.05%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
7575 Colshire Dr, McLean, VA 22102 7508
Bonus Certificates - 36 Month
$0
4.02% ▲ 1.12% above Virginia avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.90%▲ 1.12% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.91% → 4.02% ▲ 0.11 pts · high 4.02% / low 3.91%
3.41%3.97%4.52%Sep 14, 2026: 3.91% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.02%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
7575 Colshire Dr, McLean, VA 22102 7508
Bonus IRA Certificates - 36 Month
$0
4.02% ▲ 1.12% above Virginia avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.90%▲ 1.12% above avgNationally 2.81%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply

Rate History
2 changes since Sep 14, 2026 · 3.91% → 4.02% ▲ 0.11 pts · high 4.02% / low 3.91%
3.41%3.97%4.52%Sep 14, 2026: 3.91% APYSep 25, 2026: 3.97% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.02%▲ from 3.97%
  • Sep 25, 20263.97%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
FNB Bank, Inc. Romney, WV
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
731 Warrior Dr, Stephens City, VA 22655
36 MONTH CD SPECIAL
$1,000
4.00% ▲ 1.10% above Virginia avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.90%▲ 1.10% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
3.30%3.90%4.50%Sep 14, 2026: 3.80% APYSep 24, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.00%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
10461 White Granite Dr, Oakton, VA 22124
3 Year Certificate
$1,000
4.00% ▲ 1.10% above Virginia avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.90%▲ 1.10% above avgNationally 2.81%
Details

Rate History
1 change since Sep 20, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
3.10%3.80%4.50%Sep 20, 2026: 3.60% APYOct 4, 2026: 4.00% APYSep 20, 2026Oct 13, 2026
  • Oct 4, 20264.00%▲ from 3.60%
  • Sep 20, 20263.60%first recorded
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
10461 White Granite Dr, Oakton, VA 22124
Jumbo - 3 Year Certificate
$100,000
4.00% ▲ 1.10% above Virginia avg
View
▼
Rate3.92%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.90%▲ 1.10% above avgNationally 2.81%
Details

Rate History
1 change since Sep 20, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70%
3.20%3.85%4.50%Sep 20, 2026: 3.70% APYOct 4, 2026: 4.00% APYSep 20, 2026Oct 13, 2026
  • Oct 4, 20264.00%▲ from 3.70%
  • Sep 20, 20263.70%first recorded
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
265 Jones St, Gate City, VA 24251
2 - 3 Year Business Investment Certificate
$1,000
4.00% ▲ 1.10% above Virginia avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average2.90%▲ 1.10% above avgNationally 2.81%
Details

Term: 2 to 3 Years (730 to 1,094 days); Jumbo APY ($100k Minimum): 4.05%; Jumbo Dividend Rate ($100k minimum): 3.98%; Early Withdrawal Penalty: 180 Days' Dividends

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
265 Jones St, Gate City, VA 24251
2 - 3 Year Investment Certificate
$1,000
4.00% ▲ 1.10% above Virginia avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average2.90%▲ 1.10% above avgNationally 2.81%
Details

Term: 2 to 3 Years (730 to 1,094 days); Jumbo APY ($100k Minimum): 4.05%; Jumbo Dividend Rate ($100k minimum): 3.98%; Early Withdrawal Penalty: 180 Days' Dividends

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.99%
12 HERBERT ST, Alexandria, VA 22305
Share and IRA Certificate - 36 Month
$500
3.99% ▲ 1.09% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.90%▲ 1.09% above avgNationally 2.81%
Details

Minimum Balance to Open and Earn APY; Share/IRA/Roth/ESA

Rate History
No change since Sep 14, 2026 · 3.99% APY · checked 3 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APYSep 14, 2026Oct 13, 2026
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2300 Wilson Blvd, Arlington, VA 22201
36 Month Share Certificate
$0
3.92% ▲ 1.02% above Virginia avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average2.90%▲ 1.02% above avgNationally 2.81%
Details

Balance: $100,000-$249,999

Rate History
1 change since Sep 14, 2026 · 3.87% → 3.92% ▲ 0.05 pts · high 3.92% / low 3.87%
3.37%3.90%4.42%Sep 14, 2026: 3.87% APYOct 1, 2026: 3.92% APYSep 14, 2026Oct 13, 2026
  • Oct 1, 20263.92%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
50 W Commerce Rd, Richmond, VA 23224 2316
Share Certificates - 36 Months
$500
3.90% ▲ 1.00% above Virginia avg
View
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.90%▲ 1.00% above avgNationally 2.81%
Details

Rate History
No change since Sep 25, 2026 · 3.90% APY · checked 4 times
3.40%3.90%4.40%Sep 25, 2026: 3.90% APYSep 25, 2026Oct 13, 2026
Vantage Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
3600 OAKLAWN BLVD, HOPEWELL, VA 23860
36 Month Share & IRA Share Certificates
$0
3.87% ▲ 0.97% above Virginia avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.90%▲ 0.97% above avgNationally 2.81%
Details

36 Month Share Certificate has a 1 time STEP-UP feature

Rate History
No change since Oct 13, 2026 · 3.87% APY
3.37%3.87%4.37%Oct 13, 2026: 3.87% APYOct 13, 2026Oct 13, 2026
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2300 Wilson Blvd, Arlington, VA 22201
36 Month Share Certificate
$0
3.87% ▲ 0.97% above Virginia avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average2.90%▲ 0.97% above avgNationally 2.81%
Details

Balance: $500-$99,999

Rate History
1 change since Sep 14, 2026 · 3.82% → 3.87% ▲ 0.05 pts · high 3.87% / low 3.82%
3.32%3.84%4.37%Sep 14, 2026: 3.82% APYOct 1, 2026: 3.87% APYSep 14, 2026Oct 13, 2026
  • Oct 1, 20263.87%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
7575 Colshire Dr, McLean, VA 22102 7508
36 Month IRA Certificates
$0
3.86% ▲ 0.96% above Virginia avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.90%▲ 0.96% above avgNationally 2.81%
Details

Rate History
1 change since Oct 5, 2026 · 3.81% → 3.86% ▲ 0.05 pts · high 3.86% / low 3.81%
3.31%3.84%4.36%Oct 5, 2026: 3.81% APYOct 9, 2026: 3.86% APYOct 5, 2026Oct 13, 2026
  • Oct 9, 20263.86%▲ from 3.81%
  • Oct 5, 20263.81%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
7575 Colshire Dr, McLean, VA 22102 7508
Certificates - 36 Month
$0
3.86% ▲ 0.96% above Virginia avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.90%▲ 0.96% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 14, 2026 · 3.76% → 3.86% ▲ 0.10 pts · high 3.86% / low 3.76%
3.26%3.81%4.36%Sep 14, 2026: 3.76% APYSep 21, 2026: 3.81% APYOct 9, 2026: 3.86% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.86%▲ from 3.81%
  • Sep 21, 20263.81%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
Argent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
11651 Alliance Cir, Chester, VA 23831 1451
36 Month Certificates
$0
3.85% ▲ 0.95% above Virginia avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.90%▲ 0.95% above avgNationally 2.81%
Details

Effective: July 1, 2026

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
Argent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
11651 Alliance Cir, Chester, VA 23831 1451
IRA Certificates - 36 month
$0
3.85% ▲ 0.95% above Virginia avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.90%▲ 0.95% above avgNationally 2.81%
Details

IRA Certificate; early withdrawal penalty applies

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
Apple Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
14260J Centreville Sq, Centreville, VA 20121
Jumbo 36 Month Certificate
$0
3.80% ▲ 0.90% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.90%▲ 0.90% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.75% → 3.80% ▲ 0.05 pts · high 3.80% / low 3.75%
3.25%3.78%4.30%Sep 18, 2026: 3.75% APYOct 7, 2026: 3.80% APYSep 18, 2026Oct 13, 2026
  • Oct 7, 20263.80%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
5288 Providence Rd, Virginia Beach, VA 23464 4204
IRA Certificate - 36 Months (Reg/Roth/Educ)
$100,000
3.80% ▲ 0.90% above Virginia avg
View
▼
Rate3.73%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.90%▲ 0.90% above avgNationally 2.81%
Details

Early withdrawal penalty may apply to all certificates at 15-day x original term of dividends on amount withdrawn

Rate History
1 change since Sep 18, 2026 · 3.10% → 3.80% ▲ 0.70 pts · high 3.80% / low 3.10%
2.40%3.45%4.50%Sep 18, 2026: 3.10% APYSep 25, 2026: 3.80% APYSep 18, 2026Oct 13, 2026
  • Sep 25, 20263.80%▲ from 3.10%
  • Sep 18, 20263.10%first recorded
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
2004 Augustine Ave, Fredericksburg, VA 22401
36-Month Certificate
$0
3.80% ▲ 0.90% above Virginia avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.90%▲ 0.90% above avgNationally 2.81%
Details

Balance: $25,000.00 and over

Rate History
1 change since Sep 14, 2026 · 3.70% → 3.80% ▲ 0.10 pts · high 3.80% / low 3.70%
3.20%3.75%4.30%Sep 14, 2026: 3.70% APYOct 9, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.80%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Loudoun Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
801 Sycolin Rd SE Ste 101, Leesburg, VA 20175
IRA Certificates - 36-Month Roth
$1,000
3.80% ▲ 0.90% above Virginia avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.90%▲ 0.90% above avgNationally 2.81%
Details

Roth IRA; APY printed as '3.3.80%' on source page (malformed as published); Dividends calculated on Daily Balance method, compounded and paid Quarterly; CD withdrawal penalties: up to 1 year: 90 days interest, over 1 year: 180 days interest

Rate History
No change since Oct 13, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 13, 2026: 3.80% APYOct 13, 2026Oct 13, 2026
Loudoun Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
801 Sycolin Rd SE Ste 101, Leesburg, VA 20175
IRA Certificates - 36-Month Traditional
$1,000
3.80% ▲ 0.90% above Virginia avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.90%▲ 0.90% above avgNationally 2.81%
Details

Dividends calculated on Daily Balance method, compounded and paid Quarterly; CD withdrawal penalties: up to 1 year: 90 days interest, over 1 year: 180 days interest

Rate History
No change since Oct 13, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 13, 2026: 3.80% APYOct 13, 2026Oct 13, 2026
Homebase Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
4495 Crossings Blvd, Prince George, VA 23875
Share Certificate - 36 Month
$2,500
3.76% ▲ 0.86% above Virginia avg
View
▼
Rate3.70%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.90%▲ 0.86% above avgNationally 2.81%
Details

Dividend rate 3.70%; minimum balance of $2,500.00 required to open and earn dividends; early withdrawal penalty of 180 days of dividends

Rate History
No change since Sep 17, 2026 · 3.76% APY · checked 3 times
3.26%3.76%4.26%Sep 17, 2026: 3.76% APYSep 17, 2026Oct 13, 2026
Apple Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
14260J Centreville Sq, Centreville, VA 20121
36 Month Certificate
$0
3.75% ▲ 0.85% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.90%▲ 0.85% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.70% → 3.75% ▲ 0.05 pts · high 3.75% / low 3.70%
3.20%3.73%4.25%Sep 18, 2026: 3.70% APYOct 7, 2026: 3.75% APYSep 18, 2026Oct 13, 2026
  • Oct 7, 20263.75%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
11166 Fairfax Blvd, Fairfax, VA 22030
36 Month Certificate
$1,000
3.75% ▲ 0.85% above Virginia avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.90%▲ 0.85% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 13, 2026

Virginia 48 Month CD Rates

MonitorBankRates Virginia Average · 48 Month CD2.86% APY▼ 0.02% from last weekNational 2.80%
View 48-month CD rate trend

The average 48-month CD rate in Virginia is 2.86% APY, compared with 2.80% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
5875 Trinity Pkwy Ste 111, Centreville, VA 20120
48 Month Elite Jumbo CD
$250,000
4.75% ▲ 1.89% above Virginia avg
View
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.86%▲ 1.89% above avgNationally 2.80%
Details

Rate History
1 change since Sep 21, 2026 · 4.25% → 4.75% ▲ 0.50 pts · high 4.75% / low 4.25%
3.75%4.50%5.25%Sep 21, 2026: 4.25% APYOct 5, 2026: 4.75% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.75%▲ from 4.25%
  • Sep 21, 20264.25%first recorded
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1130 W Broad St, Falls Church, VA 22046 2114
48 Month Share Certificate
$0
4.50% ▲ 1.64% above Virginia avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.86%▲ 1.64% above avgNationally 2.80%
Details

Balance: $1,000

Rate History
1 change since Sep 18, 2026 · 4.20% → 4.50% ▲ 0.30 pts · high 4.50% / low 4.20%
3.70%4.35%5.00%Sep 18, 2026: 4.20% APYSep 27, 2026: 4.50% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20264.50%▲ from 4.20%
  • Sep 18, 20264.20%first recorded
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
10461 White Granite Dr, Oakton, VA 22124
4 Year Certificate - Special Rate
$1,000
4.40% ▲ 1.54% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.86%▲ 1.54% above avgNationally 2.80%
Details

Special Rate (APY)

Rate History
No change since Oct 12, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 12, 2026: 4.40% APYOct 12, 2026Oct 13, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
12011 Sunset Hills Rd Ste 110, Reston, VA 20190 5919
48 Month Share Certificate
$100,000
4.40% ▲ 1.54% above Virginia avg
View
▼
Rate4.31%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.86%▲ 1.54% above avgNationally 2.80%
Details

Rate Effective Date: October 12, 2026

Rate History
1 change since Oct 5, 2026 · 3.80% → 4.40% ▲ 0.60 pts · high 4.40% / low 3.80%
3.20%4.10%5.00%Oct 5, 2026: 3.80% APYOct 13, 2026: 4.40% APYOct 5, 2026Oct 13, 2026
  • Oct 13, 20264.40%▲ from 3.80%
  • Oct 5, 20263.80%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
44747 Brimfield Dr, Ashburn, VA 20147 5920
Business Share Certificates - 48 Months
$500
4.35% ▲ 1.49% above Virginia avg
View
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.86%▲ 1.49% above avgNationally 2.80%
Details

Penalties apply for early withdrawal

Rate History
No change since Oct 4, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 4, 2026: 4.35% APYOct 4, 2026Oct 13, 2026
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
44747 Brimfield Dr, Ashburn, VA 20147 5920
Share Certificates - 48 Months
$500
4.35% ▲ 1.49% above Virginia avg
View
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.86%▲ 1.49% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.82% → 4.35% ▲ 0.53 pts · high 4.35% / low 3.82%
3.29%4.08%4.88%Sep 14, 2026: 3.82% APYOct 4, 2026: 4.35% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20264.35%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
44747 Brimfield Dr, Ashburn, VA 20147 5920
Traditional IRA Certificates - 48 Months
$500
4.35% ▲ 1.49% above Virginia avg
View
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.86%▲ 1.49% above avgNationally 2.80%
Details

Minimum balance of $500 required; Dividends compounded daily and credited monthly; Penalties apply for early withdrawal; Membership required; IRA Certificates(Traditional, Roth, SEP and Coverdell ESA)

Rate History
No change since Oct 8, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 8, 2026: 4.35% APYOct 8, 2026Oct 13, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
1680 Capital One Dr, Mclean, VA 22102
48 Month 360 CDs
$0
4.30% ▲ 1.44% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.86%▲ 1.44% above avgNationally 2.80%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
12011 Sunset Hills Rd Ste 110, Reston, VA 20190 5919
48 Month Share Certificate
$500
4.30% ▲ 1.44% above Virginia avg
View
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.86%▲ 1.44% above avgNationally 2.80%
Details

Rate History
1 change since Oct 5, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
3.30%4.05%4.80%Oct 5, 2026: 3.80% APYOct 13, 2026: 4.30% APYOct 5, 2026Oct 13, 2026
  • Oct 13, 20264.30%▲ from 3.80%
  • Oct 5, 20263.80%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
MITRE Building 2, McLean, VA 22102
Share Certificate - 48 Month
$1,000
4.25% ▲ 1.39% above Virginia avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.86%▲ 1.39% above avgNationally 2.80%
Details

Minimum to open $1,000.00

Rate History
No change since Oct 12, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 12, 2026: 4.25% APYOct 12, 2026Oct 13, 2026
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
419 Rutherford Ave NE, Roanoke, VA 24022
4 Year Term IRA Certificate
$500
4.25% ▲ 1.39% above Virginia avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average2.86%▲ 1.39% above avgNationally 2.80%
Details

Minimum: $500 minimum opening balance

Rate History
No change since Oct 10, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 10, 2026: 4.25% APYOct 10, 2026Oct 13, 2026
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
419 Rutherford Ave NE, Roanoke, VA 24022
4 Year Term Regular Certificate
$500
4.25% ▲ 1.39% above Virginia avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average2.86%▲ 1.39% above avgNationally 2.80%
Details

Minimum: $500 minimum opening balance

Rate History
No change since Oct 10, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 10, 2026: 4.25% APYOct 10, 2026Oct 13, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
5875 Trinity Pkwy Ste 111, Centreville, VA 20120
48 Month Regular CD
$500
4.20% ▲ 1.34% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.86%▲ 1.34% above avgNationally 2.80%
Details

Rate History
1 change since Sep 21, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
3.50%4.10%4.70%Sep 21, 2026: 4.00% APYOct 5, 2026: 4.20% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.20%▲ from 4.00%
  • Sep 21, 20264.00%first recorded
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2300 Wilson Blvd, Arlington, VA 22201
48 Month IRA Certificate
$0
4.13% ▲ 1.27% above Virginia avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average2.86%▲ 1.27% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 4.13% APY · checked 3 times
3.63%4.13%4.63%Sep 18, 2026: 4.13% APYSep 18, 2026Oct 13, 2026
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2300 Wilson Blvd, Arlington, VA 22201
48 Month Share Certificate
$0
4.13% ▲ 1.27% above Virginia avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average2.86%▲ 1.27% above avgNationally 2.80%
Details

Balance: $1M+

Rate History
No change since Sep 14, 2026 · 4.13% APY · checked 5 times
3.63%4.13%4.63%Sep 14, 2026: 4.13% APYSep 14, 2026Oct 13, 2026
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
10461 White Granite Dr, Oakton, VA 22124
4 Year Certificate
$1,000
4.00% ▲ 1.14% above Virginia avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.86%▲ 1.14% above avgNationally 2.80%
Details

Rate History
1 change since Sep 20, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
3.10%3.80%4.50%Sep 20, 2026: 3.60% APYOct 4, 2026: 4.00% APYSep 20, 2026Oct 13, 2026
  • Oct 4, 20264.00%▲ from 3.60%
  • Sep 20, 20263.60%first recorded
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
265 Jones St, Gate City, VA 24251
3 - 4 Year Business Investment Certificate
$1,000
4.00% ▲ 1.14% above Virginia avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average2.86%▲ 1.14% above avgNationally 2.80%
Details

Term: 3 to 4 Years (1,095 to 1,460 days); Jumbo APY ($100k Minimum): 4.05%; Jumbo Dividend Rate ($100k minimum): 3.98%; Early Withdrawal Penalty: 240 Days' Dividends

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
265 Jones St, Gate City, VA 24251
3 - 4 Year Investment Certificate
$1,000
4.00% ▲ 1.14% above Virginia avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average2.86%▲ 1.14% above avgNationally 2.80%
Details

Term: 3 to 4 Years (1,095 to 1,460 days); Jumbo APY ($100k Minimum): 4.05%; Jumbo Dividend Rate ($100k minimum): 3.98%; Early Withdrawal Penalty: 180 Days' Dividends

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.99%
12 HERBERT ST, Alexandria, VA 22305
Share and IRA Certificate - 48 Month
$500
3.98% ▲ 1.12% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.86%▲ 1.12% above avgNationally 2.80%
Details

Minimum Balance to Open and Earn APY; Share/IRA/Roth/ESA

Rate History
No change since Sep 14, 2026 · 3.98% APY · checked 3 times
3.48%3.98%4.48%Sep 14, 2026: 3.98% APYSep 14, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
7575 Colshire Dr, McLean, VA 22102 7508
Bonus Certificates - 48 Month
$0
3.97% ▲ 1.11% above Virginia avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.86%▲ 1.11% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.91% → 3.97% ▲ 0.06 pts · high 3.97% / low 3.91%
3.41%3.94%4.47%Sep 14, 2026: 3.91% APYOct 13, 2026: 3.97% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20263.97%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
7575 Colshire Dr, McLean, VA 22102 7508
Bonus IRA Certificates - 48 Month
$0
3.97% ▲ 1.11% above Virginia avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.86%▲ 1.11% above avgNationally 2.80%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply

Rate History
1 change since Sep 14, 2026 · 3.91% → 3.97% ▲ 0.06 pts · high 3.97% / low 3.91%
3.41%3.94%4.47%Sep 14, 2026: 3.91% APYSep 25, 2026: 3.97% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20263.97%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
Vantage Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
3600 OAKLAWN BLVD, HOPEWELL, VA 23860
48 Month Share & IRA Share Certificates
$0
3.92% ▲ 1.06% above Virginia avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.86%▲ 1.06% above avgNationally 2.80%
Details

Rate History
No change since Oct 13, 2026 · 3.92% APY
3.42%3.92%4.42%Oct 13, 2026: 3.92% APYOct 13, 2026Oct 13, 2026
Argent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
11651 Alliance Cir, Chester, VA 23831 1451
48 Month Certificates
$0
3.90% ▲ 1.04% above Virginia avg
View
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.86%▲ 1.04% above avgNationally 2.80%
Details

Effective: July 1, 2026

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
Argent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
11651 Alliance Cir, Chester, VA 23831 1451
IRA Certificates - 48 month
$0
3.90% ▲ 1.04% above Virginia avg
View
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.86%▲ 1.04% above avgNationally 2.80%
Details

IRA Certificate; early withdrawal penalty applies

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2300 Wilson Blvd, Arlington, VA 22201
48 Month Share Certificate
$0
3.87% ▲ 1.01% above Virginia avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average2.86%▲ 1.01% above avgNationally 2.80%
Details

Balance: $250,000-$999,999

Rate History
No change since Sep 14, 2026 · 3.87% APY · checked 5 times
3.37%3.87%4.37%Sep 14, 2026: 3.87% APYSep 14, 2026Oct 13, 2026
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
2004 Augustine Ave, Fredericksburg, VA 22401
48-Month Certificate
$0
3.85% ▲ 0.99% above Virginia avg
View
▼
Rate3.79%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.86%▲ 0.99% above avgNationally 2.80%
Details

Balance: $25,000.00 + over

Rate History
1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
3.25%3.80%4.35%Sep 14, 2026: 3.75% APYOct 9, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.85%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
7575 Colshire Dr, McLean, VA 22102 7508
48 Month IRA Certificates
$0
3.81% ▲ 0.95% above Virginia avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.86%▲ 0.95% above avgNationally 2.80%
Details

Rate History
No change since Oct 5, 2026 · 3.81% APY · checked 3 times
3.31%3.81%4.31%Oct 5, 2026: 3.81% APYOct 5, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
7575 Colshire Dr, McLean, VA 22102 7508
Certificates - 48 Month
$0
3.81% ▲ 0.95% above Virginia avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.86%▲ 0.95% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.76% → 3.81% ▲ 0.05 pts · high 3.81% / low 3.76%
3.26%3.79%4.31%Sep 14, 2026: 3.76% APYSep 21, 2026: 3.81% APYSep 14, 2026Oct 13, 2026
  • Sep 21, 20263.81%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
Apple Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
14260J Centreville Sq, Centreville, VA 20121
48 Month Certificate
$0
3.75% ▲ 0.89% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.86%▲ 0.89% above avgNationally 2.80%
Details

Rate History
1 change since Sep 18, 2026 · 3.70% → 3.75% ▲ 0.05 pts · high 3.75% / low 3.70%
3.20%3.73%4.25%Sep 18, 2026: 3.70% APYOct 7, 2026: 3.75% APYSep 18, 2026Oct 13, 2026
  • Oct 7, 20263.75%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
11166 Fairfax Blvd, Fairfax, VA 22030
48 Month Certificate
$1,000
3.75% ▲ 0.89% above Virginia avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.86%▲ 0.89% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 13, 2026
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
1630 King St, Alexandria, VA 22314 2763
48 Month Jumbo Certificate
$100,000
3.75% ▲ 0.89% above Virginia avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.86%▲ 0.89% above avgNationally 2.80%
Details

Minimum Balances of $100,000

Rate History
No change since Sep 25, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 25, 2026: 3.75% APYSep 25, 2026Oct 13, 2026
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
2004 Augustine Ave, Fredericksburg, VA 22401
48-Month Certificate
$0
3.75% ▲ 0.89% above Virginia avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.86%▲ 0.89% above avgNationally 2.80%
Details

Balance: $100.00 - $24,999.99

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.75% ▲ 0.10 pts · high 3.75% / low 3.65%
3.15%3.70%4.25%Sep 14, 2026: 3.65% APYOct 9, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.75%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
1448 Park Ave NW, Norton, VA 24273
48 Month Certificate
$1,000
3.75% ▲ 0.89% above Virginia avg
View
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.86%▲ 0.89% above avgNationally 2.80%
Details

Paid monthly

Rate History
1 change since Sep 14, 2026 · 3.40% → 3.75% ▲ 0.35 pts · high 3.75% / low 3.40%
2.90%3.58%4.25%Sep 14, 2026: 3.40% APYOct 5, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.75%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
1630 King St, Alexandria, VA 22314 2763
48 Month IRA Certificate
$0
3.70% ▲ 0.84% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.86%▲ 0.84% above avgNationally 2.80%
Details

Minimum Balances of $500

Rate History
No change since Sep 25, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Sep 25, 2026: 3.70% APYSep 25, 2026Oct 13, 2026
TruEnergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
6801 Industrial Rd, Springfield, VA 22151
48 Month Jumbo IRA Share Certificate
$100,000
3.70% ▲ 0.84% above Virginia avg
View
▼
Rate3.64%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.86%▲ 0.84% above avgNationally 2.80%
Details

Min. Bal. $100,000

Rate History
No change since Sep 25, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Sep 25, 2026: 3.70% APYSep 25, 2026Oct 13, 2026
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
2130 N Glebe Rd, Arlington, VA 22207
48 Month Certificate - Platinum
$500
3.70% ▲ 0.84% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.86%▲ 0.84% above avgNationally 2.80%
Details

Platinum APY; Effective April 17, 2026

Rate History
No change since Oct 12, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 12, 2026: 3.70% APYOct 12, 2026Oct 13, 2026
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
2130 N Glebe Rd, Arlington, VA 22207
Share & IRA Certificate - 48 Month - Platinum
$500
3.70% ▲ 0.84% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.86%▲ 0.84% above avgNationally 2.80%
Details

Platinum APY* program rate; Minimum to Earn Dividends $500; Rates Effective: April 17, 2026

Rate History
No change since Oct 12, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 12, 2026: 3.70% APYOct 12, 2026Oct 13, 2026
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
2004 Augustine Ave, Fredericksburg, VA 22401
Business 48-Month (4 year) Share Certificate
$0
3.70% ▲ 0.84% above Virginia avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.86%▲ 0.84% above avgNationally 2.80%
Details

Balance: $25,000.00 + over

Rate History
No change since Oct 9, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 9, 2026: 3.70% APYOct 9, 2026Oct 13, 2026
Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.94%
22110 Pacific Blvd Ste 100, Sterling, VA 20166
48 Month Share Certificates
$0
3.66% ▲ 0.80% above Virginia avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.86%▲ 0.80% above avgNationally 2.80%
Details

Minimum Balance $1,500

Rate History
No change since Sep 18, 2026 · 3.66% APY · checked 7 times
3.16%3.66%4.16%Sep 18, 2026: 3.66% APYSep 18, 2026Oct 13, 2026
Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.94%
22110 Pacific Blvd Ste 100, Sterling, VA 20166
IRA Certificates - 48 month
$0
3.66% ▲ 0.80% above Virginia avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.86%▲ 0.80% above avgNationally 2.80%
Details

Also applies to Traditional, Roth and Education IRAs

Rate History
No change since Sep 14, 2026 · 3.66% APY · checked 2 times
3.16%3.66%4.16%Sep 14, 2026: 3.66% APYSep 14, 2026Oct 13, 2026
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
1630 King St, Alexandria, VA 22314 2763
48 Month Certificate
$500
3.65% ▲ 0.79% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.86%▲ 0.79% above avgNationally 2.80%
Details

Minimum Balances of $500

Rate History
No change since Sep 25, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Sep 25, 2026: 3.65% APYSep 25, 2026Oct 13, 2026
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
11030 Hull Street Rd, Midlothian, VA 23112
48 month certificate
$100,000
3.65% ▲ 0.79% above Virginia avg
View
▼
Rate3.59%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average2.86%▲ 0.79% above avgNationally 2.80%
Details

Compounding Frequency: Monthly

Rate History
No change since Sep 30, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Sep 30, 2026: 3.65% APYSep 30, 2026Oct 13, 2026
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
11030 Hull Street Rd, Midlothian, VA 23112
48 month IRA
$100,000
3.65% ▲ 0.79% above Virginia avg
View
▼
Rate3.59%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average2.86%▲ 0.79% above avgNationally 2.80%
Details

Compounding Frequency: Monthly

Rate History
No change since Oct 6, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 6, 2026: 3.65% APYOct 6, 2026Oct 13, 2026
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
6890 Elm St, Mclean, VA 22101
4 Year Fixed-Rate Certificate
$500
3.61% ▲ 0.75% above Virginia avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.86%▲ 0.75% above avgNationally 2.80%
Details

Rate History
No change since Oct 8, 2026 · 3.61% APY · checked 2 times
3.11%3.61%4.11%Oct 8, 2026: 3.61% APYOct 8, 2026Oct 13, 2026
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
6890 Elm St, Mclean, VA 22101
IRA Fixed-Rate Certificate - 4-year term
$500
3.61% ▲ 0.75% above Virginia avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.86%▲ 0.75% above avgNationally 2.80%
Details

Early withdrawal penalties may apply. Rates subject to change without notice. Certificates will automatically renew upon maturity unless otherwise stipulated by the member. Fixed-Rate Certificate Account dividends will be compounded and credited monthly on the last day of each calendar month. For example, dividends for January will be credited on January 31, giving you a more regular return on your deposits. Must establish membership with Lafayette Federal Credit Union, or be an existing member. $50 minimum balance required to open and earn 0.10% APY on Lafayette Federal share savings account balances. $5 minimum balance required to open and earn 0.025% APY on LFCU checking account balances. APY=Annual Percentage Yield. The rates and terms shown are effective as of September 23, 2026.

Rate History
No change since Sep 25, 2026 · 3.61% APY · checked 4 times
3.11%3.61%4.11%Sep 25, 2026: 3.61% APYSep 25, 2026Oct 13, 2026
TruEnergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
6801 Industrial Rd, Springfield, VA 22151
48 Month IRA Share Certificate
$1,000
3.60% ▲ 0.74% above Virginia avg
View
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.86%▲ 0.74% above avgNationally 2.80%
Details

Rate History
No change since Sep 25, 2026 · 3.60% APY · checked 4 times
3.10%3.60%4.10%Sep 25, 2026: 3.60% APYSep 25, 2026Oct 13, 2026
TruEnergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
6801 Industrial Rd, Springfield, VA 22151
48 Month Jumbo Share Certificate
$0
3.60% ▲ 0.74% above Virginia avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.86%▲ 0.74% above avgNationally 2.80%
Details

Rate History
No change since Sep 25, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 25, 2026: 3.60% APYSep 25, 2026Oct 13, 2026
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
2130 N Glebe Rd, Arlington, VA 22207
48 Month Certificate
$500
3.60% ▲ 0.74% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.86%▲ 0.74% above avgNationally 2.80%
Details

Standard APY; Effective April 17, 2026

Rate History
No change since Sep 12, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 12, 2026: 3.60% APYSep 12, 2026Oct 13, 2026
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
2130 N Glebe Rd, Arlington, VA 22207
Share & IRA Certificate - 48 Month
$500
3.60% ▲ 0.74% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.86%▲ 0.74% above avgNationally 2.80%
Details

Minimum to Earn Dividends $500; Rates Effective: April 17, 2026

Rate History
No change since Sep 20, 2026 · 3.60% APY · checked 4 times
3.10%3.60%4.10%Sep 20, 2026: 3.60% APYSep 20, 2026Oct 13, 2026
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
2004 Augustine Ave, Fredericksburg, VA 22401
Business 48-Month (4 year) Share Certificate
$0
3.60% ▲ 0.74% above Virginia avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.86%▲ 0.74% above avgNationally 2.80%
Details

Balance: $100.00 - $24,999.99

Rate History
No change since Oct 9, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 9, 2026: 3.60% APYOct 9, 2026Oct 13, 2026

Virginia 60 Month CD Rates

MonitorBankRates Virginia Average · 60 Month CD3.03% APY▲ 0.02% from last weekNational 2.90%
View 60-month CD rate trend

The average 60-month CD rate in Virginia is 3.03% APY, compared with 2.90% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Beach Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
4164 Virginia Beach Blvd, Virginia Beach, VA 23452
60 Month Youth Share Certificate
$0
5.00% ▲ 1.97% above Virginia avg
View
▼
Rate4.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.03%▲ 1.97% above avgNationally 2.90%
Details

Available Options: $50 and $100 only; Exclusively for Long John Saver & Pipeline members; Part of Long John Saver Kids Club & Pipeline for Teens; Maximum $1,000 in Youth Share Certificates at any one time; Effective Date: June 29, 2023

Rate History
No change since Oct 9, 2026 · 5.00% APY · checked 2 times
4.50%5.00%5.50%Oct 9, 2026: 5.00% APYOct 9, 2026Oct 13, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
5875 Trinity Pkwy Ste 111, Centreville, VA 20120
60 Month Elite Jumbo CD
$250,000
4.75% ▲ 1.72% above Virginia avg
View
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.03%▲ 1.72% above avgNationally 2.90%
Details

Rate History
1 change since Sep 21, 2026 · 4.25% → 4.75% ▲ 0.50 pts · high 4.75% / low 4.25%
3.75%4.50%5.25%Sep 21, 2026: 4.25% APYOct 5, 2026: 4.75% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.75%▲ from 4.25%
  • Sep 21, 20264.25%first recorded
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1130 W Broad St, Falls Church, VA 22046 2114
60 Month Share Certificate
$0
4.55% ▲ 1.52% above Virginia avg
View
▼
Rate4.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average3.03%▲ 1.52% above avgNationally 2.90%
Details

Balance: $1,000

Rate History
1 change since Sep 18, 2026 · 4.28% → 4.55% ▲ 0.27 pts · high 4.55% / low 4.28%
3.78%4.42%5.05%Sep 18, 2026: 4.28% APYSep 27, 2026: 4.55% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20264.55%▲ from 4.28%
  • Sep 18, 20264.28%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
44747 Brimfield Dr, Ashburn, VA 20147 5920
Business Share Certificates - 60 Months
$500
4.50% ▲ 1.47% above Virginia avg
View
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.03%▲ 1.47% above avgNationally 2.90%
Details

Penalties apply for early withdrawal

Rate History
No change since Oct 4, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 4, 2026: 4.50% APYOct 4, 2026Oct 13, 2026
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
44747 Brimfield Dr, Ashburn, VA 20147 5920
Share Certificates - 60 Months
$500
4.50% ▲ 1.47% above Virginia avg
View
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.03%▲ 1.47% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.82% → 4.50% ▲ 0.68 pts · high 4.50% / low 3.82%
3.14%4.16%5.18%Sep 14, 2026: 3.82% APYOct 4, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20264.50%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
44747 Brimfield Dr, Ashburn, VA 20147 5920
Traditional IRA Certificates - 60 Months
$500
4.50% ▲ 1.47% above Virginia avg
View
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.03%▲ 1.47% above avgNationally 2.90%
Details

Minimum balance of $500 required; Dividends compounded daily and credited monthly; Penalties apply for early withdrawal; Membership required; IRA Certificates(Traditional, Roth, SEP and Coverdell ESA)

Rate History
No change since Oct 8, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 8, 2026: 4.50% APYOct 8, 2026Oct 13, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
5875 Trinity Pkwy Ste 111, Centreville, VA 20120
5 Year IRA Traditional & Roth CD
$500
4.50% ▲ 1.47% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.03%▲ 1.47% above avgNationally 2.90%
Details

Rate History
1 change since Sep 21, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 21, 2026: 4.00% APYOct 13, 2026: 4.50% APYSep 21, 2026Oct 13, 2026
  • Oct 13, 20264.50%▲ from 4.00%
  • Sep 21, 20264.00%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
5875 Trinity Pkwy Ste 111, Centreville, VA 20120
60 Month Regular CD
$500
4.50% ▲ 1.47% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.03%▲ 1.47% above avgNationally 2.90%
Details

Rate History
1 change since Sep 21, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 21, 2026: 4.00% APYOct 5, 2026: 4.50% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.50%▲ from 4.00%
  • Sep 21, 20264.00%first recorded
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
10461 White Granite Dr, Oakton, VA 22124
5 Year Certificate - Special Rate
$1,000
4.40% ▲ 1.37% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.03%▲ 1.37% above avgNationally 2.90%
Details

Special Rate (APY)

Rate History
No change since Oct 12, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 12, 2026: 4.40% APYOct 12, 2026Oct 13, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
12011 Sunset Hills Rd Ste 110, Reston, VA 20190 5919
60 Month Share Certificate
$100,000
4.40% ▲ 1.37% above Virginia avg
View
▼
Rate4.31%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.03%▲ 1.37% above avgNationally 2.90%
Details

Rate Effective Date: October 12, 2026

Rate History
1 change since Oct 5, 2026 · 3.80% → 4.40% ▲ 0.60 pts · high 4.40% / low 3.80%
3.20%4.10%5.00%Oct 5, 2026: 3.80% APYOct 13, 2026: 4.40% APYOct 5, 2026Oct 13, 2026
  • Oct 13, 20264.40%▲ from 3.80%
  • Oct 5, 20263.80%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
1680 Capital One Dr, Mclean, VA 22102
60 Month 360 CDs
$0
4.30% ▲ 1.27% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average3.03%▲ 1.27% above avgNationally 2.90%
Details

Fixed APY | No minimum balance

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 4 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
12011 Sunset Hills Rd Ste 110, Reston, VA 20190 5919
60 Month Share Certificate
$500
4.30% ▲ 1.27% above Virginia avg
View
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.03%▲ 1.27% above avgNationally 2.90%
Details

Rate History
1 change since Oct 5, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
3.30%4.05%4.80%Oct 5, 2026: 3.80% APYOct 13, 2026: 4.30% APYOct 5, 2026Oct 13, 2026
  • Oct 13, 20264.30%▲ from 3.80%
  • Oct 5, 20263.80%first recorded
Democracy Federal Credit Union
Institution Rating:
A-4.6 ★Texas Ratio: 9.01%
400 N Columbus St, Alexandria, VA 22314
60 Month Traditional or Roth IRA Certificate
$2,500
4.25% ▲ 1.22% above Virginia avg
View
▼
Rate4.18%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.03%▲ 1.22% above avgNationally 2.90%
Details

Rate History
No change since Oct 8, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 8, 2026: 4.25% APYOct 8, 2026Oct 13, 2026
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
MITRE Building 2, McLean, VA 22102
60 Month IRA Certificates
$500
4.25% ▲ 1.22% above Virginia avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.03%▲ 1.22% above avgNationally 2.90%
Details

Early withdrawal penalties may apply. Fees may reduce the investment below the principal held at the beginning of the term.

Rate History
1 change since Sep 24, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 24, 2026: 4.00% APYOct 4, 2026: 4.25% APYSep 24, 2026Oct 13, 2026
  • Oct 4, 20264.25%▲ from 4.00%
  • Sep 24, 20264.00%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
MITRE Building 2, McLean, VA 22102
Share Certificate - 60 Month
$1,000
4.25% ▲ 1.22% above Virginia avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.03%▲ 1.22% above avgNationally 2.90%
Details

Minimum to open $1,000.00

Rate History
No change since Oct 12, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 12, 2026: 4.25% APYOct 12, 2026Oct 13, 2026
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
419 Rutherford Ave NE, Roanoke, VA 24022
5 Year Term IRA Certificate
$500
4.25% ▲ 1.22% above Virginia avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average3.03%▲ 1.22% above avgNationally 2.90%
Details

Minimum: $500 minimum opening balance

Rate History
No change since Oct 10, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 10, 2026: 4.25% APYOct 10, 2026Oct 13, 2026
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
419 Rutherford Ave NE, Roanoke, VA 24022
5 Year Term Regular Certificate
$500
4.25% ▲ 1.22% above Virginia avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average3.03%▲ 1.22% above avgNationally 2.90%
Details

Minimum: $500 minimum opening balance

Rate History
No change since Oct 10, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 10, 2026: 4.25% APYOct 10, 2026Oct 13, 2026
First Sentinel Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
315 Railroad Ave, Richlands, VA 24641
60-Month CD/IRA
$500
4.22% ▲ 1.19% above Virginia avg
View
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.03%▲ 1.19% above avgNationally 2.90%
Details

Rate History
No change since Sep 30, 2026 · 4.22% APY · checked 4 times
3.72%4.22%4.72%Sep 30, 2026: 4.22% APYSep 30, 2026Oct 13, 2026
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2300 Wilson Blvd, Arlington, VA 22201
60 Month IRA Certificate
$0
4.13% ▲ 1.10% above Virginia avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average3.03%▲ 1.10% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 4.13% APY · checked 3 times
3.63%4.13%4.63%Sep 18, 2026: 4.13% APYSep 18, 2026Oct 13, 2026
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2300 Wilson Blvd, Arlington, VA 22201
60 Month Share Certificate
$0
4.13% ▲ 1.10% above Virginia avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average3.03%▲ 1.10% above avgNationally 2.90%
Details

Balance: $1M+

Rate History
No change since Sep 14, 2026 · 4.13% APY · checked 5 times
3.63%4.13%4.63%Sep 14, 2026: 4.13% APYSep 14, 2026Oct 13, 2026
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.20%
721 Lakefront Cmns, Newport News, VA 23606
60 Month Fixed Rate
$0
4.11% ▲ 1.08% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average3.03%▲ 1.08% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 3.95% → 4.11% ▲ 0.16 pts · high 4.11% / low 3.95%
3.45%4.03%4.61%Sep 18, 2026: 3.95% APYSep 27, 2026: 4.11% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20264.11%▲ from 3.95%
  • Sep 18, 20263.95%first recorded
Loudoun Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
801 Sycolin Rd SE Ste 101, Leesburg, VA 20175
IRA Certificates - 60-Month Roth
$1,000
4.06% ▲ 1.03% above Virginia avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.03%▲ 1.03% above avgNationally 2.90%
Details

Roth IRA; Dividends calculated on Daily Balance method, compounded and paid Quarterly; CD withdrawal penalties: up to 1 year: 90 days interest, over 1 year: 180 days interest

Rate History
No change since Oct 13, 2026 · 4.06% APY
3.56%4.06%4.56%Oct 13, 2026: 4.06% APYOct 13, 2026Oct 13, 2026
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
10461 White Granite Dr, Oakton, VA 22124
5 Year Certificate
$1,000
4.00% ▲ 0.97% above Virginia avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.03%▲ 0.97% above avgNationally 2.90%
Details

Rate History
1 change since Sep 20, 2026 · 3.65% → 4.00% ▲ 0.35 pts · high 4.00% / low 3.65%
3.15%3.83%4.50%Sep 20, 2026: 3.65% APYOct 4, 2026: 4.00% APYSep 20, 2026Oct 13, 2026
  • Oct 4, 20264.00%▲ from 3.65%
  • Sep 20, 20263.65%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
7575 Colshire Dr, McLean, VA 22102 7508
Bonus Certificates - 60 Month
$0
4.00% ▲ 0.97% above Virginia avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.03%▲ 0.97% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
7575 Colshire Dr, McLean, VA 22102 7508
Bonus IRA Certificates - 60 Month
$0
4.00% ▲ 0.97% above Virginia avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.03%▲ 0.97% above avgNationally 2.90%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Argent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
11651 Alliance Cir, Chester, VA 23831 1451
60 Month Certificates
$0
4.00% ▲ 0.97% above Virginia avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.03%▲ 0.97% above avgNationally 2.90%
Details

Effective: July 1, 2026

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Argent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
11651 Alliance Cir, Chester, VA 23831 1451
IRA Certificates - 60 month
$0
4.00% ▲ 0.97% above Virginia avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.03%▲ 0.97% above avgNationally 2.90%
Details

IRA Certificate; early withdrawal penalty applies

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
265 Jones St, Gate City, VA 24251
4 - 5 Year Business Investment Certificate
$1,000
4.00% ▲ 0.97% above Virginia avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average3.03%▲ 0.97% above avgNationally 2.90%
Details

Term: 4 to 5 Years (1,461 to 1,825 days); Jumbo APY ($100k Minimum): 4.05%; Jumbo Dividend Rate ($100k minimum): 3.98%; Early Withdrawal Penalty: 240 Days' Dividends

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
265 Jones St, Gate City, VA 24251
4 - 5 Year Investment Certificate
$1,000
4.00% ▲ 0.97% above Virginia avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average3.03%▲ 0.97% above avgNationally 2.90%
Details

Term: 4 to 5 Years (1,461 to 1,825 days); Jumbo APY ($100k Minimum): 4.05%; Jumbo Dividend Rate ($100k minimum): 3.98%; Early Withdrawal Penalty: 180 Days' Dividends

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
265 Jones St, Gate City, VA 24251
5 Year Business Investment Certificate
$1,000
4.00% ▲ 0.97% above Virginia avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average3.03%▲ 0.97% above avgNationally 2.90%
Details

Term: 5 Years (1,826 to 2,190 days); Jumbo APY ($100k Minimum): 4.05%; Jumbo Dividend Rate ($100k minimum): 3.98%; Early Withdrawal Penalty: 240 Days' Dividends

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
265 Jones St, Gate City, VA 24251
5 Year Investment Certificate
$1,000
4.00% ▲ 0.97% above Virginia avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average3.03%▲ 0.97% above avgNationally 2.90%
Details

Term: 5 Years (1,826 to 2,190 days); Jumbo APY ($100k Minimum): 4.05%; Jumbo Dividend Rate ($100k minimum): 3.98%; Early Withdrawal Penalty: 180 Days' Dividends

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Vantage Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
3600 OAKLAWN BLVD, HOPEWELL, VA 23860
60 Month Share & IRA Share Certificate
$0
3.97% ▲ 0.94% above Virginia avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.03%▲ 0.94% above avgNationally 2.90%
Details

Rate History
No change since Oct 13, 2026 · 3.97% APY
3.47%3.97%4.47%Oct 13, 2026: 3.97% APYOct 13, 2026Oct 13, 2026
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
11030 Hull Street Rd, Midlothian, VA 23112
60 month certificate
$100,000
3.95% ▲ 0.92% above Virginia avg
View
▼
Rate3.88%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average3.03%▲ 0.92% above avgNationally 2.90%
Details

Compounding Frequency: Monthly

Rate History
No change since Sep 30, 2026 · 3.95% APY · checked 4 times
3.45%3.95%4.45%Sep 30, 2026: 3.95% APYSep 30, 2026Oct 13, 2026
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
11030 Hull Street Rd, Midlothian, VA 23112
60 month IRA
$100,000
3.95% ▲ 0.92% above Virginia avg
View
▼
Rate3.88%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average3.03%▲ 0.92% above avgNationally 2.90%
Details

Compounding Frequency: Monthly

Rate History
No change since Oct 6, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 6, 2026: 3.95% APYOct 6, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
44315 Ice Rink Plz, Ashburn, VA 20147
5 Year ESA Long-Term Certificate
$100,000
3.90% ▲ 0.87% above Virginia avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average3.03%▲ 0.87% above avgNationally 2.90%
Details

Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 30, 2026: 3.90% APYSep 30, 2026Oct 13, 2026
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
5288 Providence Rd, Virginia Beach, VA 23464 4204
IRA Certificate - 60 Months (Reg/Roth/Educ)
$100,000
3.90% ▲ 0.87% above Virginia avg
View
▼
Rate3.83%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.03%▲ 0.87% above avgNationally 2.90%
Details

Early withdrawal penalty may apply to all certificates at 15-day x original term of dividends on amount withdrawn

Rate History
1 change since Sep 18, 2026 · 3.10% → 3.90% ▲ 0.80 pts · high 3.90% / low 3.10%
2.30%3.50%4.70%Sep 18, 2026: 3.10% APYSep 25, 2026: 3.90% APYSep 18, 2026Oct 13, 2026
  • Sep 25, 20263.90%▲ from 3.10%
  • Sep 18, 20263.10%first recorded
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
2004 Augustine Ave, Fredericksburg, VA 22401
60-Month Certificate
$0
3.90% ▲ 0.87% above Virginia avg
View
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.03%▲ 0.87% above avgNationally 2.90%
Details

Balance: $25,000.00 + over

Rate History
1 change since Sep 21, 2026 · 3.80% → 3.90% ▲ 0.10 pts · high 3.90% / low 3.80%
3.30%3.85%4.40%Sep 21, 2026: 3.80% APYOct 9, 2026: 3.90% APYSep 21, 2026Oct 13, 2026
  • Oct 9, 20263.90%▲ from 3.80%
  • Sep 21, 20263.80%first recorded
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.99%
12 HERBERT ST, Alexandria, VA 22305
Share and IRA Certificate - 60 Month
$500
3.90% ▲ 0.87% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.03%▲ 0.87% above avgNationally 2.90%
Details

Minimum Balance to Open and Earn APY; Share/IRA/Roth/ESA

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2300 Wilson Blvd, Arlington, VA 22201
60 Month Share Certificate
$0
3.87% ▲ 0.84% above Virginia avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average3.03%▲ 0.84% above avgNationally 2.90%
Details

Balance: $250,000-$999,999

Rate History
No change since Sep 14, 2026 · 3.87% APY · checked 5 times
3.37%3.87%4.37%Sep 14, 2026: 3.87% APYSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
44315 Ice Rink Plz, Ashburn, VA 20147
5 Year ESA Long-Term Certificate
$1,000
3.85% ▲ 0.82% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average3.03%▲ 0.82% above avgNationally 2.90%
Details

Balance: $1,000 - $19,999.99; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Sep 30, 2026: 3.85% APYSep 30, 2026Oct 13, 2026
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
1630 King St, Alexandria, VA 22314 2763
60 Month Jumbo Certificate
$100,000
3.85% ▲ 0.82% above Virginia avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.03%▲ 0.82% above avgNationally 2.90%
Details

Minimum Balances of $100,000

Rate History
No change since Sep 25, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Sep 25, 2026: 3.85% APYSep 25, 2026Oct 13, 2026
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
5288 Providence Rd, Virginia Beach, VA 23464 4204
Certificate - 60 Months
$100,000
3.85% ▲ 0.82% above Virginia avg
View
▼
Rate3.78%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.03%▲ 0.82% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 3.05% → 3.85% ▲ 0.80 pts · high 3.85% / low 3.05%
2.25%3.45%4.65%Sep 18, 2026: 3.05% APYSep 25, 2026: 3.85% APYSep 18, 2026Oct 13, 2026
  • Sep 25, 20263.85%▲ from 3.05%
  • Sep 18, 20263.05%first recorded
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
5288 Providence Rd, Virginia Beach, VA 23464 4204
IRA Certificate - 60 Months (Reg/Roth/Educ)
$1,000
3.85% ▲ 0.82% above Virginia avg
View
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.03%▲ 0.82% above avgNationally 2.90%
Details

Early withdrawal penalty may apply to all certificates at 15-day x original term of dividends on amount withdrawn

Rate History
1 change since Sep 18, 2026 · 3.10% → 3.85% ▲ 0.75 pts · high 3.85% / low 3.10%
2.35%3.47%4.60%Sep 18, 2026: 3.10% APYSep 25, 2026: 3.85% APYSep 18, 2026Oct 13, 2026
  • Sep 25, 20263.85%▲ from 3.10%
  • Sep 18, 20263.10%first recorded
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
11030 Hull Street Rd, Midlothian, VA 23112
60 month certificate
$50,000
3.85% ▲ 0.82% above Virginia avg
View
▼
Rate3.78%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average3.03%▲ 0.82% above avgNationally 2.90%
Details

Compounding Frequency: Monthly

Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Sep 30, 2026: 3.85% APYSep 30, 2026Oct 13, 2026
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
11030 Hull Street Rd, Midlothian, VA 23112
60 month IRA
$50,000
3.85% ▲ 0.82% above Virginia avg
View
▼
Rate3.78%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average3.03%▲ 0.82% above avgNationally 2.90%
Details

Compounding Frequency: Monthly

Rate History
No change since Oct 6, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 6, 2026: 3.85% APYOct 6, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
7575 Colshire Dr, McLean, VA 22102 7508
60 Month IRA Certificates
$0
3.84% ▲ 0.81% above Virginia avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.03%▲ 0.81% above avgNationally 2.90%
Details

Rate History
No change since Oct 5, 2026 · 3.84% APY · checked 3 times
3.34%3.84%4.34%Oct 5, 2026: 3.84% APYOct 5, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
7575 Colshire Dr, McLean, VA 22102 7508
Certificates - 60 Month
$0
3.84% ▲ 0.81% above Virginia avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.03%▲ 0.81% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.84% APY · checked 7 times
3.34%3.84%4.34%Sep 14, 2026: 3.84% APYSep 14, 2026Oct 13, 2026
Homebase Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
4495 Crossings Blvd, Prince George, VA 23875
Share Certificate - 60 Month
$2,500
3.82% ▲ 0.79% above Virginia avg
View
▼
Rate3.75%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.03%▲ 0.79% above avgNationally 2.90%
Details

Dividend rate 3.75%; minimum balance of $2,500.00 required to open and earn dividends; early withdrawal penalty of 180 days of dividends

Rate History
2 changes since Sep 12, 2026 · 4.00% → 3.82% ▼ 0.18 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 12, 2026: 4.00% APYSep 17, 2026: 3.75% APYOct 8, 2026: 3.82% APYSep 12, 2026Oct 13, 2026
  • Oct 8, 20263.82%▲ from 3.75%
  • Sep 17, 20263.75%▼ from 4.00%
  • Sep 12, 20264.00%first recorded
Apple Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
14260J Centreville Sq, Centreville, VA 20121
Jumbo 60 Month Certificate
$0
3.80% ▲ 0.77% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average3.03%▲ 0.77% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 3.75% → 3.80% ▲ 0.05 pts · high 3.80% / low 3.75%
3.25%3.78%4.30%Sep 18, 2026: 3.75% APYOct 7, 2026: 3.80% APYSep 18, 2026Oct 13, 2026
  • Oct 7, 20263.80%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
1630 King St, Alexandria, VA 22314 2763
60 Month IRA Certificate
$0
3.80% ▲ 0.77% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.03%▲ 0.77% above avgNationally 2.90%
Details

Minimum Balances of $500

Rate History
No change since Sep 25, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Sep 25, 2026: 3.80% APYSep 25, 2026Oct 13, 2026
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.

Top CD Rates from Virginia Institutions

Highest verified APYs available today, updated October 13, 2026

B Top 5 Bank Rates
HSBC Bank USA
24 Month CD
A+ 5.0 ★ TX: 4.86%
Min: $1,000
4.45%
EagleBank
12 Month CD
A 5.0 ★ TX: 11.84%
Min: $1,000
4.45%
SFGI Direct
18-Month CD
A 5.0 ★ TX: 7.39%
Min: $1,000
4.40%
Capital One Bank
12 Month 360 CDs
A 5.0 ★ TX: 7.00%
Min: $0
4.30%
First Sentinel Bank
60-Month CD/IRA
A+ 5.0 ★ TX: 0.93%
Min: $500
4.22%
CU Top 5 Credit Union Rates
Congressional Federal Credit Union
Flexible Saver - 1 Year Certificate
A 5.0 ★ TX: 8.63%
Min: $100
6.00%
Truliant Federal Credit Union
Limited-Time 12 Month Term (new external funds required)
A 5.0 ★ TX: 6.43%
Min: $0
5.00%
Apple Federal Credit Union
12-Month Starter Certificate
A+ 5.0 ★ TX: 2.85%
Min: $50
5.00%
Beach Municipal Federal Credit Union
60 Month Youth Share Certificate
A+ 5.0 ★ TX: 2.63%
Min: $0
5.00%
Skyla Federal Credit Union
48 Month Elite Jumbo CD
A 5.0 ★ TX: 9.56%
Min: $250,000
4.75%
Rates verified October 13, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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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.

View Full Virginia CD Trends
12-Month CD VA Avg
3.066%
▲ 0.023 vs 7 days ago

Virginia 12-month CD rates rose 0.023 points over the past 7 days to 3.066% APY.

6-Month CD VA Avg
2.686%
▲ 0.047 vs 7 days ago

Virginia 6-month CD rates rose 0.047 points over the past 7 days to 2.686% APY.

As of Oct 13, 2026 • Rate data sourced from 8,500+ monitored institutions

VA CD Rate Forecast, Next 12 Months

Where are Virginia CD rates headed through October 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

VA 12-Month Avg APY
3.066%
6-Month Forecast
3.066%
Range: 2.87%, 3.22%
12-Month Forecast
3.316%
Range: 3.12%, 3.47%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Virginia average 12-month CD APY in our database.

Spread model: The Virginia 12-month CD average currently trades 1.31% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

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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 1.653% $82.66 $165.31 $413.28 $826.55
6-Month CD 2.686% $134.29 $268.58 $671.45 $1,342.90
12-Month CD 3.066% $153.31 $306.62 $766.55 $1,533.10
18-Month CD 3.109% $155.43 $310.86 $777.15 $1,554.30
24-Month CD 2.937% $146.85 $293.69 $734.23 $1,468.45
36-Month CD 2.897% $144.84 $289.67 $724.18 $1,448.35
48-Month CD 2.857% $142.83 $285.67 $714.18 $1,428.35
60-Month CD 3.030% $151.51 $303.02 $757.55 $1,515.10
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 13, 2026.
Powered byMonitorBankRates

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.

Build Your Ladder
Rung Term Deposit VA Avg APY Annual Earnings
1 3-Month CD $5,000 1.653% $82.66
2 6-Month CD $5,000 2.686% $134.29
3 12-Month CD $5,000 3.066% $153.31
4 24-Month CD $5,000 2.937% $146.85
5 36-Month CD $5,000 2.897% $144.84
Total ($25,000 invested) $25,000 2.648% blended $661.95/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.

Powered byMonitorBankRates
1,470
CD Rates
Tracked in Virginia
32 Banks 68 Credit Unions

About Our Virginia CD Rate Database

MonitorBankRates tracks 1,470 CD rates from 32 banks and 68 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 to 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: Congressional Federal Credit Union offers a CD at 6.00% APY with a minimum deposit of $100. 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 68 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: 100 institutions here report CD rates

Consider an Alternative If…

  • You may need the funds within 30 days. Compare Virginia savings rates instead
  • Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
  • You want check-writing access. Compare 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
$157/yr
At VA 12-mo avg 3.066% 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 3.066%, saving 10% of the local median salary ($5,112/year) and putting it in a CD would earn an additional $157 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 to 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

How Certificates of Deposit Work in Virginia

A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Virginia typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Virginia as everywhere in the U.S.

Choosing a CD Term in Virginia

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Virginia savers easier access to their funds. For example, Beacon Credit Union Incorporated is offering its Promotional Certificates - Limited Time Special - 6 Months at 4.35% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Beach Municipal Federal Credit Union is offering its 60 Month Youth Share Certificate at 5.00% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.

CD Risk and Safety for Virginia Savers

CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Virginia saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.

How CD Interest Is Paid in Virginia

Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Virginia CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.

Fixed vs. Variable CD Rates in Virginia

Most CDs carry a fixed rate that is locked for the entire term, protecting a Virginia depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.

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:
  • Congressional Federal Credit Union: 6.00% APY (Flexible Saver - 1 Year Certificate)
  • Truliant Federal Credit Union: 5.00% APY (Limited-Time 12 Month Term (new external funds required))
  • Apple Federal Credit Union: 5.00% APY (12-Month Starter Certificate)
  • Beach Municipal Federal Credit Union: 5.00% APY (60 Month Youth Share Certificate)
  • Skyla Federal Credit Union: 4.75% APY (48 Month Elite Jumbo CD)
  • PAHO WHO Federal Credit Union: 4.59% APY (36 Month IRA Certificate)
  • NASA Federal Credit Union: 4.55% APY (60 Month Share Certificate)
  • Signal Financial Federal Credit Union: 4.50% APY (Business Share Certificates - 60 Months)
  • Hanscom Federal Credit Union: 4.50% APY (12 Month IRA Certificates)
  • HSBC Bank USA: 4.45% APY (24 Month CD)
Rates reflect recent verified offers available in Virginia. Last Updated: October 13, 2026

Virginia CD Calculator

See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Virginia rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
$0
Ending Balance
$0
Matures

Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.

Top Virginia CD Rates by Term

Verified October 13, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Virginia. Averages shown use the Virginia state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Virginia

Virginia CD Calculator

At today’s VA top rate of 6.00% APY, a $10,000 deposit earns $600 in the first year. Enter your amount to see your exact return.

Virginia CD Ladder

VA CD rates currently range from 1.653% (3-month) to 2.897% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Virginia CD at 6.00% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Virginia’s average 12-month CD is 3.066% 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

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Virginia CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

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 sourcing data 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: October 13, 2026

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Cities in Virginia

  • Abingdon
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