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CD Rate Trends

Chatham, Virginia Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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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

Chatham, Virginia CD rates range from 0.02% to 6.00% APY, verified by MonitorBankRates as of October 13, 2026. Current Chatham, Virginia CD rates include CIT BankCIT Bank1 S Main St, Chatham, VA 24531A5.0 ★Texas Ratio: 7.72%Real return: +1.20%APY minus CPI (February 2026) offering 1-Year CD at 4.00% APY, URW Community Federal Credit UnionURW Community Federal Credit Union13701 US Highway 29 Ste I, Chatham, VA 24531A5.0 ★Texas Ratio: 7.25%Real return: +0.80%APY minus CPI (February 2026) offering 1 Year Share Certificate at 3.60% APY, TruistTruist148 Tightsqueeze Rd, Chatham, VA 24531A+5.0 ★Texas Ratio: 2.87%Real return: +0.45%APY minus CPI (February 2026) offering 12-month CD at 3.25% APY, First National Bank VAFirst National Bank VA55 N Main St, Chatham, VA 24531A+5.0 ★Texas Ratio: 1.54%Real return: +0.22%APY minus CPI (February 2026) offering 6 Month CD at 3.02% APY, and Atlantic Union BankAtlantic Union Bank13880 Us Highway 29, Chatham, VA 24531A+5.0 ★Texas Ratio: 2.51%Real return: +0.20%APY minus CPI (February 2026) offering Standard CDs and IRAs - 1 Year at 3.00% APY. CD rates as of October 13, 2026 according to verified data from MonitorBankRates.

Chatham has 58 local institutions in our database, with CD rates as high as 4.00% APY from CIT Bank at 1 S Main St, Chatham, VA 24531. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Virginia area. 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 Chatham, Virginia & the Surrounding Area

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Chatham 3 Month CD Rates

Virginia 3 Month CD Average1.65% APYNational 2.09%▲ 0.06% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
13880 Us Highway 29, Chatham, VA 24531
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 14, 2026
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
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 14, 2026
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
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 14, 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%
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 14, 2026
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
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 14, 2026
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
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 14, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
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 14, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
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 14, 2026
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
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 14, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
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 14, 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%
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 14, 2026
Calvin B. Taylor Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
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 14, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
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 14, 2026
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
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 14, 2026
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
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 14, 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%
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 14, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
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 14, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
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 14, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
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 14, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
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 14, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
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 14, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
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 14, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
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 14, 2026
Farmers & Merchants Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
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 14, 2026
University of Virginia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
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 14, 2026
University of Virginia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
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 14, 2026
University of Virginia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
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 14, 2026
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
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 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
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 14, 2026
Freedom Bank of Virginia
Institution Rating:
C+4.2 ★Texas Ratio: 24.99%
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 14, 2026
Chain Bridge Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
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 14, 2026
The National Capital Bank of Washington
Institution Rating:
A-5.0 ★Texas Ratio: 14.51%
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 14, 2026
The National Capital Bank of Washington
Institution Rating:
A-5.0 ★Texas Ratio: 14.51%
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 14, 2026
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
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 14, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
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 14, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
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 14, 2026
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
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 14, 2026
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
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 14, 2026
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
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 14, 2026
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
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 14, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
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 14, 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%
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 14, 2026
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
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 14, 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%
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 14, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
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 14, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
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 14, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
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 14, 2026
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.00%
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 14, 2026
Benchmark Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
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 14, 2026
Capon Valley Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.21%
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 14, 2026
  • Sep 24, 20260.85%▲ from 0.55%
  • Sep 14, 20260.55%first recorded

Chatham 6 Month CD Rates

Virginia 6 Month CD Average2.67% APYNational 2.77%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1 S Main St, Chatham, VA 24531
6-Month CD
$0
3.75% ▲ 1.08% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average2.67%▲ 1.08% above avgNationally 2.77%
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 14, 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% ▲ 1.08% above Virginia avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average2.67%▲ 1.08% above avgNationally 2.77%
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 14, 2026
First National Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
55 N Main St, Chatham, VA 24531
6 Month CD
$500
3.02% ▲ 0.35% above Virginia avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.67%▲ 0.35% above avgNationally 2.77%
Details

Rate History
No change since Sep 8, 2026 · 3.02% APY · checked 8 times
2.52%3.02%3.52%Sep 8, 2026: 3.02% APYSep 8, 2026Oct 14, 2026
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
13880 Us Highway 29, Chatham, VA 24531
Standard CDs and IRAs - 6 Month
$0
3.00% ▲ 0.33% above Virginia avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.67%▲ 0.33% above avgNationally 2.77%
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 14, 2026
URW Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.25%
13701 US Highway 29 Ste I, Chatham, VA 24531
6 Month Share Certificate
$1,000
2.53% ▼ 0.14% below Virginia avg
View
▼
Rate2.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.67%▼ 0.14% below avgNationally 2.77%
Details

Rate History
No change since Oct 13, 2026 · 2.53% APY
2.03%2.53%3.03%Oct 13, 2026: 2.53% APYOct 13, 2026Oct 14, 2026
Beacon Credit Union Incorporated
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
Promotional Certificates - Limited Time Special - 6 Months
$2,500
4.35% ▲ 1.68% above Virginia avg
View
▼
Rate4.27%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.67%▲ 1.68% above avgNationally 2.77%
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 14, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
6 Month 360 CDs
$0
4.30% ▲ 1.63% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.67%▲ 1.63% above avgNationally 2.77%
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 14, 2026
Chartway Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
6-Month Promo Certificate
$0
4.30% ▲ 1.63% above Virginia avg
View
▼
Rate4.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.67%▲ 1.63% above avgNationally 2.77%
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 14, 2026
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
6 Month Share Certificate
$0
4.30% ▲ 1.63% above Virginia avg
View
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.67%▲ 1.63% above avgNationally 2.77%
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 14, 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%
6 month Term Regular Certificate
$500
4.25% ▲ 1.58% above Virginia avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average2.67%▲ 1.58% above avgNationally 2.77%
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 14, 2026
SFGI Direct
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
6-Month CD
$1,000
4.20% ▲ 1.53% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.67%▲ 1.53% above avgNationally 2.77%
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 14, 2026
  • Oct 7, 20264.20%▲ from 4.09%
  • Sep 28, 20264.09%first recorded
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
6 Month CD
$1,000
4.20% ▲ 1.53% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.67%▲ 1.53% above avgNationally 2.77%
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 14, 2026
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
6 Month Certificate
$1,000
4.20% ▲ 1.53% above Virginia avg
View
▼
Rate4.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.67%▲ 1.53% above avgNationally 2.77%
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 14, 2026
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
6 Month IRA Certificate
$0
4.13% ▲ 1.46% above Virginia avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average2.67%▲ 1.46% above avgNationally 2.77%
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 14, 2026
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
6 Month Share Certificate
$0
4.13% ▲ 1.46% above Virginia avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average2.67%▲ 1.46% above avgNationally 2.77%
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 14, 2026
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.99%
6 Month Share Certificate
$0
4.10% ▲ 1.43% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.67%▲ 1.43% above avgNationally 2.77%
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 14, 2026
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.99%
Business 6-Month Certificate
$0
4.10% ▲ 1.43% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.67%▲ 1.43% above avgNationally 2.77%
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 14, 2026
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.99%
Share and IRA Certificate - 6 Month
$500
4.10% ▲ 1.43% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.67%▲ 1.43% above avgNationally 2.77%
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 14, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
6 Month Jumbo CD
$50,000
4.10% ▲ 1.43% above Virginia avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.67%▲ 1.43% above avgNationally 2.77%
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 14, 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%
6 Month Share Certificate Accounts - Regular Accounts
$0
4.06% ▲ 1.39% above Virginia avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average2.67%▲ 1.39% above avgNationally 2.77%
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 14, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
6 Month CD
$1,000
4.05% ▲ 1.38% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.67%▲ 1.38% above avgNationally 2.77%
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 14, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
6 Month New Money CD
$1,000
4.05% ▲ 1.38% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.67%▲ 1.38% above avgNationally 2.77%
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 14, 2026
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
6 months/26 weeks
$10,000
4.05% ▲ 1.38% above Virginia avg
View
▼
Rate3.97%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.67%▲ 1.38% above avgNationally 2.77%
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 14, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
6 Month CD
$1,000
4.00% ▲ 1.33% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.67%▲ 1.33% above avgNationally 2.77%
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 14, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
6 Month Online CD
$1,000
4.00% ▲ 1.33% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.67%▲ 1.33% above avgNationally 2.77%
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 14, 2026
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
Special 6-Month Fixed Rate
$0
4.00% ▲ 1.33% above Virginia avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.67%▲ 1.33% above avgNationally 2.77%
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 14, 2026
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
6 Month IRA Certificates
$500
4.00% ▲ 1.33% above Virginia avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.67%▲ 1.33% above avgNationally 2.77%
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 14, 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%
Share Certificate - 6 Month
$1,000
4.00% ▲ 1.33% above Virginia avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.67%▲ 1.33% above avgNationally 2.77%
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 14, 2026
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
6 Month Certificate
$1,000
4.00% ▲ 1.33% above Virginia avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.67%▲ 1.33% above avgNationally 2.77%
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 14, 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%
6 Month IRA Traditional & Roth CD
$500
4.00% ▲ 1.33% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.67%▲ 1.33% above avgNationally 2.77%
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 14, 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%
6 Month Regular CD
$500
4.00% ▲ 1.33% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.67%▲ 1.33% above avgNationally 2.77%
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 14, 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%
6 Month Term Shares Certificate
$0
3.89% ▲ 1.22% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.67%▲ 1.22% above avgNationally 2.77%
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 14, 2026
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
6 Month Share Certificate
$0
3.87% ▲ 1.20% above Virginia avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average2.67%▲ 1.20% above avgNationally 2.77%
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 14, 2026
MainStreet Bank
Institution Rating:
B-4.4 ★Texas Ratio: 22.15%
6 Month CD
$500
3.85% ▲ 1.18% above Virginia avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.67%▲ 1.18% above avgNationally 2.77%
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 14, 2026
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
6 month Certificate
$0
3.85% ▲ 1.18% above Virginia avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.67%▲ 1.18% above avgNationally 2.77%
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 14, 2026
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
6 month IRA Certificate
$0
3.85% ▲ 1.18% above Virginia avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.67%▲ 1.18% above avgNationally 2.77%
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 14, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
6 Month Share Certificate
$500
3.85% ▲ 1.18% above Virginia avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.67%▲ 1.18% above avgNationally 2.77%
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 14, 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%
Business Share Certificates - 6 Months
$500
3.82% ▲ 1.15% above Virginia avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.67%▲ 1.15% above avgNationally 2.77%
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 14, 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%
Share Certificates - 6 Months
$500
3.82% ▲ 1.15% above Virginia avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.67%▲ 1.15% above avgNationally 2.77%
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 14, 2026
NY FIREFIGHTERS BRAVEST
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
Certificate 6 Month
$500
3.82% ▲ 1.15% above Virginia avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average2.67%▲ 1.15% above avgNationally 2.77%
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 14, 2026
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
WooriWON Certificate of Deposit (CD) - 6-Months
$1,000
3.75% ▲ 1.08% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.67%▲ 1.08% above avgNationally 2.77%
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 14, 2026
Department of The Interior Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
6 Month Certificate
$500
3.71% ▲ 1.04% above Virginia avg
View
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.67%▲ 1.04% above avgNationally 2.77%
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 14, 2026
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
6 Month Certificate - Platinum
$500
3.70% ▲ 1.03% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.67%▲ 1.03% above avgNationally 2.77%
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 14, 2026
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
Share & IRA Certificate - 6 Month - Platinum
$500
3.70% ▲ 1.03% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.67%▲ 1.03% above avgNationally 2.77%
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 14, 2026
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
IRA Certificate - 6 Months (Reg/Roth/Educ)
$100,000
3.70% ▲ 1.03% above Virginia avg
View
▼
Rate3.64%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.67%▲ 1.03% above avgNationally 2.77%
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 14, 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%
Bonus Certificates - 6 Month
$0
3.66% ▲ 0.99% above Virginia avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.67%▲ 0.99% above avgNationally 2.77%
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 14, 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%
Certificate - 6 Months
$100,000
3.65% ▲ 0.98% above Virginia avg
View
▼
Rate3.59%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.67%▲ 0.98% above avgNationally 2.77%
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 14, 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%
IRA Certificate - 6 Months (Reg/Roth/Educ)
$1,000
3.65% ▲ 0.98% above Virginia avg
View
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.67%▲ 0.98% above avgNationally 2.77%
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 14, 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%
6 Month Jumbo Certificate
$0
3.64% ▲ 0.97% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.67%▲ 0.97% above avgNationally 2.77%
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 14, 2026
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
6 Month Certificate
$500
3.60% ▲ 0.93% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.67%▲ 0.93% above avgNationally 2.77%
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 14, 2026

Chatham 12 Month CD Rates

Virginia 12 Month CD Average3.06% APYNational 2.99%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1 S Main St, Chatham, VA 24531
1-Year CD
$0
4.00% ▲ 0.94% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average3.06%▲ 0.94% above avgNationally 2.99%
Details

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 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1 S Main St, Chatham, VA 24531
1-Year Term
$1,000
4.00% ▲ 0.94% above Virginia avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average3.06%▲ 0.94% above avgNationally 2.99%
Details

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 14, 2026
URW Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.25%
13701 US Highway 29 Ste I, Chatham, VA 24531
1 Year Share Certificate
$1,000
3.60% ▲ 0.54% above Virginia avg
View
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.06%▲ 0.54% above avgNationally 2.99%
Details

Rate History
No change since Oct 13, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 13, 2026: 3.60% APYOct 13, 2026Oct 14, 2026
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
148 Tightsqueeze Rd, Chatham, VA 24531
12-month CD
$0
3.25% ▲ 0.19% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average3.06%▲ 0.19% above avgNationally 2.99%
Details

Special rate for select new CD accounts.

Rate History
No change since Sep 27, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 27, 2026: 3.25% APYSep 27, 2026Oct 14, 2026
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
13880 Us Highway 29, Chatham, VA 24531
Standard CDs and IRAs - 1 Year
$0
3.00% ▼ 0.06% below Virginia avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average3.06%▼ 0.06% below avgNationally 2.99%
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 14, 2026
First National Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
55 N Main St, Chatham, VA 24531
1 Year Certificate
$500
2.52% ▼ 0.54% below Virginia avg
View
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average3.06%▼ 0.54% below avgNationally 2.99%
Details

Rate History
No change since Sep 8, 2026 · 2.52% APY · checked 8 times
2.02%2.52%3.02%Sep 8, 2026: 2.52% APYSep 8, 2026Oct 14, 2026
First National Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
55 N Main St, Chatham, VA 24531
1 Year Fixed IRA
$100
2.52% ▼ 0.54% below Virginia avg
View
▼
Rate2.50%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average3.06%▼ 0.54% below avgNationally 2.99%
Details

Rate History
No change since Sep 8, 2026 · 2.52% APY · checked 5 times
2.02%2.52%3.02%Sep 8, 2026: 2.52% APYSep 8, 2026Oct 14, 2026
First National Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
55 N Main St, Chatham, VA 24531
12 Month Variable IRA
$100
2.52% ▼ 0.54% below Virginia avg
View
▼
Rate2.50%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average3.06%▼ 0.54% below avgNationally 2.99%
Details

Rate History
No change since Sep 8, 2026 · 2.52% APY · checked 5 times
2.02%2.52%3.02%Sep 8, 2026: 2.52% APYSep 8, 2026Oct 14, 2026
First National Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
55 N Main St, Chatham, VA 24531
Roth 1 Year Fixed IRA
$100
2.52% ▼ 0.54% below Virginia avg
View
▼
Rate2.50%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average3.06%▼ 0.54% below avgNationally 2.99%
Details

Rate History
No change since Sep 8, 2026 · 2.52% APY · checked 5 times
2.02%2.52%3.02%Sep 8, 2026: 2.52% APYSep 8, 2026Oct 14, 2026
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1 S Main St, Chatham, VA 24531
12 Month CD
$500
2.00% ▼ 1.06% below Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average3.06%▼ 1.06% below avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Oct 7, 2026: 2.00% APYOct 7, 2026Oct 14, 2026
First National Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
55 N Main St, Chatham, VA 24531
1 Year No Penalty
$500
1.51% ▼ 1.55% below Virginia avg
View
▼
Rate1.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average3.06%▼ 1.55% below avgNationally 2.99%
Details

Rate History
No change since Sep 8, 2026 · 1.51% APY · checked 8 times
1.01%1.51%2.01%Sep 8, 2026: 1.51% APYSep 8, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1 S Main St, Chatham, VA 24531
1-Year RampUp Plus
$25,000
0.25% ▼ 2.81% below Virginia avg
View
▼
Rate0.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average3.06%▼ 2.81% below avgNationally 2.99%
Details

Rate History
No change since Sep 27, 2026 · 0.25% APY · checked 4 times
0.00%0.38%0.75%Sep 27, 2026: 0.25% APYSep 27, 2026Oct 14, 2026
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
Flexible Saver - 1 Year Certificate
$100
6.00% ▲ 2.94% above Virginia avg
View
▼
Rate5.83%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.06%▲ 2.94% 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 14, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
Limited-Time 12 Month Term (new external funds required)
$0
5.00% ▲ 1.94% above Virginia avg
View
▼
Rate4.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average3.06%▲ 1.94% 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 14, 2026
Apple Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
12-Month Starter Certificate
$50
5.00% ▲ 1.94% above Virginia avg
View
▼
RateN/A
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average3.06%▲ 1.94% 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 14, 2026
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
12 Month IRA Certificates
$500
4.50% ▲ 1.44% above Virginia avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.06%▲ 1.44% 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 14, 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%
Share Certificate - 12 Month
$1,000
4.50% ▲ 1.44% above Virginia avg
View
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.06%▲ 1.44% 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 14, 2026
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
12 Month CD
$1,000
4.45% ▲ 1.39% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average3.06%▲ 1.39% 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 14, 2026
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
12 Month Certificate
$1,000
4.45% ▲ 1.39% above Virginia avg
View
▼
Rate4.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average3.06%▲ 1.39% 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 14, 2026
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
1 Year Certificate - Special Rate
$1,000
4.40% ▲ 1.34% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.06%▲ 1.34% 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 14, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
12 Month CD
$1,000
4.35% ▲ 1.29% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average3.06%▲ 1.29% 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 14, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
12 Month New Money CD
$1,000
4.35% ▲ 1.29% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average3.06%▲ 1.29% 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 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Special EasyStart Certificate
$50
4.35% ▲ 1.29% above Virginia avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average3.06%▲ 1.29% 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 14, 2026
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
12 Month Share Certificate
$0
4.35% ▲ 1.29% above Virginia avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average3.06%▲ 1.29% 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 14, 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%
12 Month Share Certificate
$100,000
4.35% ▲ 1.29% above Virginia avg
View
▼
Rate4.26%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.06%▲ 1.29% 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 14, 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%
12 Month Elite Jumbo CD
$250,000
4.35% ▲ 1.29% above Virginia avg
View
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.06%▲ 1.29% 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 14, 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%
12 Month 360 CDs
$0
4.30% ▲ 1.24% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average3.06%▲ 1.24% 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 14, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
12 Month CD
$1,000
4.30% ▲ 1.24% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average3.06%▲ 1.24% 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 14, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
12 Month Online CD
$1,000
4.30% ▲ 1.24% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average3.06%▲ 1.24% 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 14, 2026
SFGI Direct
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
12-Month CD
$1,000
4.30% ▲ 1.24% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average3.06%▲ 1.24% 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 14, 2026
  • Oct 7, 20264.30%▲ from 4.20%
  • Sep 28, 20264.20%first recorded
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
12 months/52 weeks
$10,000
4.30% ▲ 1.24% above Virginia avg
View
▼
Rate4.21%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average3.06%▲ 1.24% 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 14, 2026
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
12 Month Share Certificate
$0
4.25% ▲ 1.19% above Virginia avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average3.06%▲ 1.19% 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 14, 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%
12 month Certificate
$0
4.25% ▲ 1.19% above Virginia avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.06%▲ 1.19% 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 14, 2026
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
12 month IRA Certificate
$0
4.25% ▲ 1.19% above Virginia avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.06%▲ 1.19% 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 14, 2026
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Business Share Certificates - 12 Months
$500
4.25% ▲ 1.19% above Virginia avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.06%▲ 1.19% 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 14, 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%
Share Certificates - 12 Months
$500
4.25% ▲ 1.19% above Virginia avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.06%▲ 1.19% 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 14, 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%
Traditional IRA Certificates - 12 Months
$500
4.25% ▲ 1.19% above Virginia avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.06%▲ 1.19% 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 14, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
12 Month Share Certificate
$500
4.25% ▲ 1.19% above Virginia avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.06%▲ 1.19% 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 14, 2026
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
1 Year Term IRA Certificate
$500
4.25% ▲ 1.19% above Virginia avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average3.06%▲ 1.19% 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 14, 2026
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
1 Year Term Regular Certificate
$500
4.25% ▲ 1.19% above Virginia avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average3.06%▲ 1.19% 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 14, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
12 Month Jumbo CD
$50,000
4.20% ▲ 1.14% above Virginia avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.06%▲ 1.14% 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 14, 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%
12 Month IRA Certificate
$0
4.13% ▲ 1.07% above Virginia avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average3.06%▲ 1.07% 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 14, 2026
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
12 Month Share Certificate
$0
4.13% ▲ 1.07% above Virginia avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average3.06%▲ 1.07% 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 14, 2026
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
Special 12-Month Fixed Rate
$0
4.11% ▲ 1.05% above Virginia avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average3.06%▲ 1.05% 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 14, 2026
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
12 Month Jumbo Certificate
$0
4.10% ▲ 1.04% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.06%▲ 1.04% 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 14, 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%
1 Year IRA Traditional & Roth CD
$500
4.10% ▲ 1.04% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.06%▲ 1.04% 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 14, 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%
12 Month Regular CD
$500
4.10% ▲ 1.04% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.06%▲ 1.04% 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 14, 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%
12 Month Term Shares Certificate
$0
4.08% ▲ 1.02% above Virginia avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.06%▲ 1.02% 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 14, 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%
12 Month Certificate
$0
4.05% ▲ 0.99% above Virginia avg
View
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average3.06%▲ 0.99% 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 14, 2026
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
12 Month IRA Certificate
$0
4.05% ▲ 0.99% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.06%▲ 0.99% 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 14, 2026
  • Oct 4, 20264.05%▲ from 3.79%
  • Sep 25, 20263.79%first recorded

Chatham 18 Month CD Rates

Virginia 18 Month CD Average3.12% APYNational 2.88%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1 S Main St, Chatham, VA 24531
18-Month CD
$0
2.75% ▼ 0.37% below Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average3.12%▼ 0.37% below avgNationally 2.88%
Details

Rate History
No change since Sep 24, 2026 · 2.75% APY · checked 5 times
2.25%2.75%3.25%Sep 24, 2026: 2.75% APYSep 24, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1 S Main St, Chatham, VA 24531
18-Month Term
$1,000
2.75% ▼ 0.37% below Virginia avg
View
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average3.12%▼ 0.37% below avgNationally 2.88%
Details

Rate History
No change since Sep 27, 2026 · 2.75% APY · checked 4 times
2.25%2.75%3.25%Sep 27, 2026: 2.75% APYSep 27, 2026Oct 14, 2026
First National Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
55 N Main St, Chatham, VA 24531
18 Month 1st Choice Club
$500
2.37% ▼ 0.75% below Virginia avg
View
▼
Rate2.35%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average3.12%▼ 0.75% below avgNationally 2.88%
Details

Rate History
No change since Sep 8, 2026 · 2.37% APY · checked 8 times
1.87%2.37%2.87%Sep 8, 2026: 2.37% APYSep 8, 2026Oct 14, 2026
First National Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
55 N Main St, Chatham, VA 24531
18 Month Certificate
$500
2.32% ▼ 0.80% below Virginia avg
View
▼
Rate2.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average3.12%▼ 0.80% below avgNationally 2.88%
Details

Rate History
No change since Sep 8, 2026 · 2.32% APY · checked 8 times
1.82%2.32%2.82%Sep 8, 2026: 2.32% APYSep 8, 2026Oct 14, 2026
First National Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
55 N Main St, Chatham, VA 24531
18 Month Variable IRA
$100
2.32% ▼ 0.80% below Virginia avg
View
▼
Rate2.30%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average3.12%▼ 0.80% below avgNationally 2.88%
Details

Rate History
No change since Sep 8, 2026 · 2.32% APY · checked 5 times
1.82%2.32%2.82%Sep 8, 2026: 2.32% APYSep 8, 2026Oct 14, 2026
First National Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
55 N Main St, Chatham, VA 24531
Educational IRA 18 Month
$100
2.32% ▼ 0.80% below Virginia avg
View
▼
Rate2.30%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average3.12%▼ 0.80% below avgNationally 2.88%
Details

Rate History
No change since Sep 8, 2026 · 2.32% APY · checked 8 times
1.82%2.32%2.82%Sep 8, 2026: 2.32% APYSep 8, 2026Oct 14, 2026
First National Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
55 N Main St, Chatham, VA 24531
Roth 18 Month Variable IRA
$100
2.32% ▼ 0.80% below Virginia avg
View
▼
Rate2.30%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average3.12%▼ 0.80% below avgNationally 2.88%
Details

Rate History
No change since Sep 8, 2026 · 2.32% APY · checked 5 times
1.82%2.32%2.82%Sep 8, 2026: 2.32% APYSep 8, 2026Oct 14, 2026
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1 S Main St, Chatham, VA 24531
18 Month CD
$500
0.02% ▼ 3.10% below Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average3.12%▼ 3.10% below avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 7, 2026: 0.02% APYOct 7, 2026Oct 14, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
18 Month Jumbo CD
$50,000
4.45% ▲ 1.33% above Virginia avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.12%▲ 1.33% above avgNationally 2.88%
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 14, 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%
18-Month CD
$1,000
4.40% ▲ 1.28% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average3.12%▲ 1.28% above avgNationally 2.88%
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 14, 2026
  • Oct 7, 20264.40%▲ from 4.30%
  • Sep 28, 20264.30%first recorded
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
18 Month CD
$1,000
4.35% ▲ 1.23% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average3.12%▲ 1.23% 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 14, 2026
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
18 Month Certificate
$1,000
4.35% ▲ 1.23% above Virginia avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average3.12%▲ 1.23% 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 14, 2026
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
18 month Certificate
$0
4.35% ▲ 1.23% above Virginia avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.12%▲ 1.23% above avgNationally 2.88%
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 14, 2026
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
18 month IRA Certificate
$0
4.35% ▲ 1.23% above Virginia avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.12%▲ 1.23% above avgNationally 2.88%
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 14, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
18 Month Share Certificate
$100,000
4.35% ▲ 1.23% above Virginia avg
View
▼
Rate4.26%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.12%▲ 1.23% above avgNationally 2.88%
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 14, 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%
18 Month Regular CD
$500
4.35% ▲ 1.23% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.12%▲ 1.23% above avgNationally 2.88%
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 14, 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%
18 Month 360 CDs
$0
4.30% ▲ 1.18% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average3.12%▲ 1.18% 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 14, 2026
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Business Share Certificates - 18 Months
$500
4.30% ▲ 1.18% above Virginia avg
View
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.12%▲ 1.18% above avgNationally 2.88%
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 14, 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%
Share Certificates - 18 Months
$500
4.30% ▲ 1.18% above Virginia avg
View
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.12%▲ 1.18% above avgNationally 2.88%
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 14, 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%
Traditional IRA Certificates - 18 Months
$500
4.30% ▲ 1.18% above Virginia avg
View
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.12%▲ 1.18% 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 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 8, 2026: 4.30% APYOct 8, 2026Oct 14, 2026
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
18 Month IRA Certificates
$500
4.25% ▲ 1.13% above Virginia avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.12%▲ 1.13% above avgNationally 2.88%
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 14, 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%
Share Certificate - 18 Month
$1,000
4.25% ▲ 1.13% above Virginia avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.12%▲ 1.13% 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 14, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
18 Month Share Certificate
$500
4.25% ▲ 1.13% above Virginia avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.12%▲ 1.13% above avgNationally 2.88%
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 14, 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%
18 Month Jumbo CD
$50,000
4.25% ▲ 1.13% above Virginia avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.12%▲ 1.13% above avgNationally 2.88%
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 14, 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%
18 Month Term IRA Certificate
$500
4.25% ▲ 1.13% above Virginia avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average3.12%▲ 1.13% 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 14, 2026
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
18 Month Term Regular Certificate
$500
4.25% ▲ 1.13% above Virginia avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average3.12%▲ 1.13% 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 14, 2026
Oak View National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
18 MONTH CD
$0
4.15% ▲ 1.03% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.12%▲ 1.03% above avgNationally 2.88%
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 14, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
18 Month IRA Traditional & Roth CD
$500
4.15% ▲ 1.03% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.12%▲ 1.03% above avgNationally 2.88%
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 14, 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%
18 Month Regular CD
$500
4.15% ▲ 1.03% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.12%▲ 1.03% above avgNationally 2.88%
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 14, 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%
18 Month Certificate
$1,000
4.10% ▲ 0.98% above Virginia avg
View
▼
Rate4.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.12%▲ 0.98% above avgNationally 2.88%
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 14, 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%
18 month Certificate
$0
4.00% ▲ 0.88% above Virginia avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average3.12%▲ 0.88% above avgNationally 2.88%
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 14, 2026
MainStreet Bank
Institution Rating:
B-4.4 ★Texas Ratio: 22.15%
18 Month CD
$500
3.90% ▲ 0.78% above Virginia avg
View
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average3.12%▲ 0.78% above avgNationally 2.88%
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 14, 2026
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
18 MONTH SELECT Certificate of Deposit
$1,000
3.85% ▲ 0.73% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average3.12%▲ 0.73% above avgNationally 2.88%
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 14, 2026
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
18-Month M&T Select CD
$0
3.85% ▲ 0.73% above Virginia avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average3.12%▲ 0.73% above avgNationally 2.88%
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 14, 2026
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.99%
Share and IRA Certificate - 18 Month
$500
3.85% ▲ 0.73% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.12%▲ 0.73% above avgNationally 2.88%
Details

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

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 14, 2026
Beach Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
18 Month Share Certificate
$0
3.82% ▲ 0.70% above Virginia avg
View
▼
Rate3.77%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.12%▲ 0.70% above avgNationally 2.88%
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 14, 2026
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
18-Month Certificate
$0
3.81% ▲ 0.69% above Virginia avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.12%▲ 0.69% above avgNationally 2.88%
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 14, 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%
Share Certificates - 18 Months
$500
3.80% ▲ 0.68% above Virginia avg
View
▼
Rate3.73%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.12%▲ 0.68% above avgNationally 2.88%
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 14, 2026
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
IRA Certificate - 18 Months (Reg/Roth/Educ)
$1,000
3.80% ▲ 0.68% above Virginia avg
View
▼
Rate3.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.12%▲ 0.68% above avgNationally 2.88%
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 14, 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%
18-month term
$0
3.80% ▲ 0.68% above Virginia avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average3.12%▲ 0.68% above avgNationally 2.88%
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 14, 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%
IRA Certificates (CDs) - 18-month term
$0
3.80% ▲ 0.68% above Virginia avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average3.12%▲ 0.68% above avgNationally 2.88%
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 14, 2026
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
18 Month Certificate of Deposit
$500
3.75% ▲ 0.63% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average3.12%▲ 0.63% above avgNationally 2.88%
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 14, 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%
18 Month IRA Certificate
$0
3.72% ▲ 0.60% above Virginia avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.12%▲ 0.60% above avgNationally 2.88%
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 14, 2026
PWC Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
18 Month Share Certificate
$0
3.72% ▲ 0.60% above Virginia avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.12%▲ 0.60% above avgNationally 2.88%
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 14, 2026
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
18-Month Certificate
$0
3.71% ▲ 0.59% above Virginia avg
View
▼
Rate3.66%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.12%▲ 0.59% above avgNationally 2.88%
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 14, 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%
18 Month ESA EasyStart Certificate
$50
3.70% ▲ 0.58% above Virginia avg
View
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average3.12%▲ 0.58% above avgNationally 2.88%
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 14, 2026
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
Certificate - 18 Months
$1,000
3.70% ▲ 0.58% above Virginia avg
View
▼
Rate3.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.12%▲ 0.58% above avgNationally 2.88%
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 14, 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%
IRA Variable-Rate Certificates - 18-month term
$50
3.66% ▲ 0.54% above Virginia avg
View
▼
Rate3.60%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.12%▲ 0.54% above avgNationally 2.88%
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 14, 2026
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
Variable-Rate Certificate - 18-month term
$50
3.66% ▲ 0.54% above Virginia avg
View
▼
Rate3.60%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.12%▲ 0.54% above avgNationally 2.88%
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 14, 2026
Homebase Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
Share Certificate - 18 Month
$2,500
3.66% ▲ 0.54% above Virginia avg
View
▼
Rate3.60%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.12%▲ 0.54% above avgNationally 2.88%
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 14, 2026

Chatham 24 Month CD Rates

Virginia 24 Month CD Average2.93% APYNational 2.88%▼ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
URW Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.25%
13701 US Highway 29 Ste I, Chatham, VA 24531
2 Year Bump-Up Share Certificate
$5,000
3.09% ▲ 0.16% above Virginia avg
View
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.93%▲ 0.16% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.09% APY · checked 6 times
2.59%3.09%3.59%Sep 18, 2026: 3.09% APYSep 18, 2026Oct 14, 2026
URW Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.25%
13701 US Highway 29 Ste I, Chatham, VA 24531
2 Year Share Certificate
$1,000
3.09% ▲ 0.16% above Virginia avg
View
▼
Rate3.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.93%▲ 0.16% above avgNationally 2.88%
Details

Rate History
No change since Oct 13, 2026 · 3.09% APY
2.59%3.09%3.59%Oct 13, 2026: 3.09% APYOct 13, 2026Oct 14, 2026
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
13880 Us Highway 29, Chatham, VA 24531
Standard CDs and IRAs - 2 Year
$0
2.50% ▼ 0.43% below Virginia avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.93%▼ 0.43% below avgNationally 2.88%
Details

Schedule an Appointment

Rate History
No change since Oct 7, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 7, 2026: 2.50% APYOct 7, 2026Oct 14, 2026
First National Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
55 N Main St, Chatham, VA 24531
2 1/2 Year
$500
2.27% ▼ 0.66% below Virginia avg
View
▼
Rate2.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.93%▼ 0.66% below avgNationally 2.88%
Details

Rate History
No change since Sep 8, 2026 · 2.27% APY · checked 8 times
1.77%2.27%2.77%Sep 8, 2026: 2.27% APYSep 8, 2026Oct 14, 2026
First National Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
55 N Main St, Chatham, VA 24531
2 Year Certificate
$500
2.27% ▼ 0.66% below Virginia avg
View
▼
Rate2.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.93%▼ 0.66% below avgNationally 2.88%
Details

Rate History
No change since Sep 8, 2026 · 2.27% APY · checked 8 times
1.77%2.27%2.77%Sep 8, 2026: 2.27% APYSep 8, 2026Oct 14, 2026
First National Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
55 N Main St, Chatham, VA 24531
2 Year Fixed IRA
$100
2.27% ▼ 0.66% below Virginia avg
View
▼
Rate2.25%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.93%▼ 0.66% below avgNationally 2.88%
Details

Rate History
No change since Sep 8, 2026 · 2.27% APY · checked 5 times
1.77%2.27%2.77%Sep 8, 2026: 2.27% APYSep 8, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1 S Main St, Chatham, VA 24531
2-Year CD
$0
0.40% ▼ 2.53% below Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average2.93%▼ 2.53% below avgNationally 2.88%
Details

Rate History
No change since Sep 24, 2026 · 0.40% APY · checked 5 times
0.00%0.45%0.90%Sep 24, 2026: 0.40% APYSep 24, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1 S Main St, Chatham, VA 24531
2-Year Term
$1,000
0.40% ▼ 2.53% below Virginia avg
View
▼
Rate0.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average2.93%▼ 2.53% below avgNationally 2.88%
Details

Rate History
No change since Sep 27, 2026 · 0.40% APY · checked 4 times
0.00%0.45%0.90%Sep 27, 2026: 0.40% APYSep 27, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1 S Main St, Chatham, VA 24531
2-Year RampUp Plus
$25,000
0.25% ▼ 2.68% below Virginia avg
View
▼
Rate0.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average2.93%▼ 2.68% below avgNationally 2.88%
Details

Rate History
No change since Sep 27, 2026 · 0.25% APY · checked 4 times
0.00%0.38%0.75%Sep 27, 2026: 0.25% APYSep 27, 2026Oct 14, 2026
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1 S Main St, Chatham, VA 24531
2 Year CD
$500
0.05% ▼ 2.88% below Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.93%▼ 2.88% below avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 7, 2026: 0.05% APYOct 7, 2026Oct 14, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
24 Month CD
$1,000
4.45% ▲ 1.52% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.93%▲ 1.52% 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 14, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
24 Month New Money CD
$1,000
4.45% ▲ 1.52% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.93%▲ 1.52% 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 14, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
24 Month Elite Jumbo CD
$250,000
4.45% ▲ 1.52% above Virginia avg
View
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.93%▲ 1.52% 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 14, 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%
24 Month CD
$1,000
4.40% ▲ 1.47% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.93%▲ 1.47% 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 14, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
24 Month Online CD
$1,000
4.40% ▲ 1.47% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.93%▲ 1.47% 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 14, 2026
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
24 Month Share Certificate
$0
4.40% ▲ 1.47% above Virginia avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.93%▲ 1.47% 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 14, 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%
2 Year Certificate - Special Rate
$1,000
4.40% ▲ 1.47% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.93%▲ 1.47% 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 14, 2026
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
24 Month CD
$1,000
4.35% ▲ 1.42% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.93%▲ 1.42% 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 14, 2026
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
24 Month Certificate
$1,000
4.35% ▲ 1.42% above Virginia avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.93%▲ 1.42% 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 14, 2026
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Business Share Certificates - 24 Months
$500
4.35% ▲ 1.42% above Virginia avg
View
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.93%▲ 1.42% 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 14, 2026
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Share Certificates - 24 Months
$500
4.35% ▲ 1.42% above Virginia avg
View
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.93%▲ 1.42% 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 14, 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%
Traditional IRA Certificates - 24 Months
$500
4.35% ▲ 1.42% above Virginia avg
View
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.93%▲ 1.42% 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 14, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
24 Month Share Certificate
$100,000
4.35% ▲ 1.42% above Virginia avg
View
▼
Rate4.26%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.93%▲ 1.42% 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 14, 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%
24 Month 360 CDs
$0
4.30% ▲ 1.37% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.93%▲ 1.37% 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 14, 2026
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
24 Month Share Certificate
$0
4.30% ▲ 1.37% above Virginia avg
View
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.93%▲ 1.37% 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 14, 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%
24 Month Jumbo CD
$50,000
4.30% ▲ 1.37% above Virginia avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.93%▲ 1.37% 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 14, 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%
Share Certificate - 24 Month
$1,000
4.25% ▲ 1.32% above Virginia avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.93%▲ 1.32% 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 14, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
24 Month Share Certificate
$500
4.25% ▲ 1.32% above Virginia avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.93%▲ 1.32% 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 14, 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%
2 Year Term IRA Certificate
$500
4.25% ▲ 1.32% above Virginia avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average2.93%▲ 1.32% 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 14, 2026
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
2 Year Term Regular Certificate
$500
4.25% ▲ 1.32% above Virginia avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average2.93%▲ 1.32% 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 14, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
2 Year IRA Traditional & Roth CD
$500
4.20% ▲ 1.27% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.93%▲ 1.27% 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 14, 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%
24 Month Regular CD
$500
4.20% ▲ 1.27% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.93%▲ 1.27% 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 14, 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%
24 Month Certificate
$1,000
4.15% ▲ 1.22% above Virginia avg
View
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.93%▲ 1.22% 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 14, 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%
24 Month IRA Certificate
$0
4.13% ▲ 1.20% above Virginia avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average2.93%▲ 1.20% 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 14, 2026
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
24 Month Share Certificate
$0
4.13% ▲ 1.20% above Virginia avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average2.93%▲ 1.20% 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 14, 2026
Loudoun Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
Share Certificate - 24 Months
$1,000
4.06% ▲ 1.13% above Virginia avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.93%▲ 1.13% 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 14, 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%
Bonus Certificates - 24 Month
$0
4.02% ▲ 1.09% above Virginia avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.93%▲ 1.09% 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 14, 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%
Bonus IRA Certificates - 24 Month
$0
4.02% ▲ 1.09% above Virginia avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.93%▲ 1.09% 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 14, 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%
2 Year Certificate
$1,000
4.00% ▲ 1.07% above Virginia avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.93%▲ 1.07% 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 14, 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%
Jumbo - 2 Year Certificate
$100,000
4.00% ▲ 1.07% above Virginia avg
View
▼
Rate3.92%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.93%▲ 1.07% 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 14, 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%
24 Month Certificate
$0
4.00% ▲ 1.07% above Virginia avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.93%▲ 1.07% 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 14, 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%
24 Month IRA Certificates - Jumbo Certificate
$0
4.00% ▲ 1.07% above Virginia avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.93%▲ 1.07% 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 14, 2026
Argent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
24 Month Jumbo Certificate
$0
4.00% ▲ 1.07% above Virginia avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.93%▲ 1.07% 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 14, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
1 - 2 Year Business Investment Certificate
$1,000
4.00% ▲ 1.07% above Virginia avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average2.93%▲ 1.07% 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 14, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
1 - 2 Year Investment Certificate
$1,000
4.00% ▲ 1.07% above Virginia avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average2.93%▲ 1.07% 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 14, 2026
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
24 Month Jumbo Certificate
$0
3.96% ▲ 1.03% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.93%▲ 1.03% 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 14, 2026
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.99%
Share and IRA Certificate - 24 Month
$500
3.95% ▲ 1.02% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.93%▲ 1.02% 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 14, 2026
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
24 Month IRA Certificate
$0
3.91% ▲ 0.98% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.93%▲ 0.98% 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 14, 2026
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.20%
24 Month Fixed Rate
$0
3.90% ▲ 0.97% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.93%▲ 0.97% 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 14, 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%
2 year Certificate
$0
3.90% ▲ 0.97% above Virginia avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.93%▲ 0.97% 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 14, 2026

Chatham 36 Month CD Rates

Virginia 36 Month CD Average2.90% APYNational 2.81%▼ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
13880 Us Highway 29, Chatham, VA 24531
Standard CDs and IRAs - 3 Year
$0
2.50% ▼ 0.40% below Virginia avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.90%▼ 0.40% below avgNationally 2.81%
Details

Schedule an Appointment

Rate History
No change since Oct 7, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 7, 2026: 2.50% APYOct 7, 2026Oct 14, 2026
First National Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
55 N Main St, Chatham, VA 24531
3 Year Certificate
$500
2.27% ▼ 0.63% below Virginia avg
View
▼
Rate2.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.90%▼ 0.63% below avgNationally 2.81%
Details

Rate History
No change since Sep 8, 2026 · 2.27% APY · checked 8 times
1.77%2.27%2.77%Sep 8, 2026: 2.27% APYSep 8, 2026Oct 14, 2026
First National Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
55 N Main St, Chatham, VA 24531
3 Year Fixed IRA
$100
2.27% ▼ 0.63% below Virginia avg
View
▼
Rate2.25%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.90%▼ 0.63% below avgNationally 2.81%
Details

Rate History
No change since Sep 8, 2026 · 2.27% APY · checked 5 times
1.77%2.27%2.77%Sep 8, 2026: 2.27% APYSep 8, 2026Oct 14, 2026
URW Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.25%
13701 US Highway 29 Ste I, Chatham, VA 24531
3 Year Share Certificate
$1,000
2.06% ▼ 0.84% below Virginia avg
View
▼
Rate2.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.90%▼ 0.84% below avgNationally 2.81%
Details

Rate History
No change since Oct 13, 2026 · 2.06% APY
1.56%2.06%2.56%Oct 13, 2026: 2.06% APYOct 13, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1 S Main St, Chatham, VA 24531
3-Year CD
$0
0.40% ▼ 2.50% below Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average2.90%▼ 2.50% below avgNationally 2.81%
Details

Rate History
No change since Sep 24, 2026 · 0.40% APY · checked 5 times
0.00%0.45%0.90%Sep 24, 2026: 0.40% APYSep 24, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1 S Main St, Chatham, VA 24531
3-Year Term
$1,000
0.40% ▼ 2.50% below Virginia avg
View
▼
Rate0.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average2.90%▼ 2.50% below avgNationally 2.81%
Details

Rate History
No change since Sep 27, 2026 · 0.40% APY · checked 4 times
0.00%0.45%0.90%Sep 27, 2026: 0.40% APYSep 27, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1 S Main St, Chatham, VA 24531
3-Year RampUp
$25,000
0.25% ▼ 2.65% below Virginia avg
View
▼
Rate0.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average2.90%▼ 2.65% below avgNationally 2.81%
Details

Rate History
No change since Sep 27, 2026 · 0.25% APY · checked 4 times
0.00%0.38%0.75%Sep 27, 2026: 0.25% APYSep 27, 2026Oct 14, 2026
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1 S Main St, Chatham, VA 24531
3 Year CD
$500
0.05% ▼ 2.85% below Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.90%▼ 2.85% below avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 7, 2026: 0.05% APYOct 7, 2026Oct 14, 2026
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
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 14, 2026
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
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 14, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
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 14, 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%
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 14, 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%
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 14, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
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 14, 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%
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 14, 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%
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 14, 2026
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
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 14, 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%
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 14, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
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 14, 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%
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 14, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
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 14, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
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 14, 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%
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 14, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
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 14, 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%
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 14, 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%
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 14, 2026
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
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 14, 2026
First Sentinel Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
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 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
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 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
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 14, 2026
Democracy Federal Credit Union
Institution Rating:
A-4.6 ★Texas Ratio: 9.01%
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 14, 2026
Henrico Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
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 14, 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%
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 14, 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%
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 14, 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%
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 14, 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%
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 14, 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%
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 14, 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%
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 14, 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%
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 14, 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%
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 14, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
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 14, 2026
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.99%
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 14, 2026
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
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 14, 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%
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 14, 2026
Vantage Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
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 14, 2026
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
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 14, 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%
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 14, 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%
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 14, 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%
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 14, 2026
Argent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
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 14, 2026

Chatham 48 Month CD Rates

Virginia 48 Month CD Average2.86% APYNational 2.80%▼ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
13880 Us Highway 29, Chatham, VA 24531
Standard CDs and IRAs - 4 Year
$0
2.50% ▼ 0.36% below Virginia avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.86%▼ 0.36% below avgNationally 2.80%
Details

Schedule an Appointment

Rate History
No change since Oct 7, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 7, 2026: 2.50% APYOct 7, 2026Oct 14, 2026
First National Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
55 N Main St, Chatham, VA 24531
4 Year Certificate
$500
2.27% ▼ 0.59% below Virginia avg
View
▼
Rate2.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.86%▼ 0.59% below avgNationally 2.80%
Details

Rate History
No change since Sep 8, 2026 · 2.27% APY · checked 8 times
1.77%2.27%2.77%Sep 8, 2026: 2.27% APYSep 8, 2026Oct 14, 2026
First National Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
55 N Main St, Chatham, VA 24531
4 Year Fixed IRA
$100
2.27% ▼ 0.59% below Virginia avg
View
▼
Rate2.25%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.86%▼ 0.59% below avgNationally 2.80%
Details

Rate History
No change since Sep 8, 2026 · 2.27% APY · checked 5 times
1.77%2.27%2.77%Sep 8, 2026: 2.27% APYSep 8, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1 S Main St, Chatham, VA 24531
4-Year CD
$0
0.50% ▼ 2.36% below Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average2.86%▼ 2.36% below avgNationally 2.80%
Details

Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 5 times
0.00%0.50%1.00%Sep 24, 2026: 0.50% APYSep 24, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1 S Main St, Chatham, VA 24531
4-Year Term
$1,000
0.50% ▼ 2.36% below Virginia avg
View
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average2.86%▼ 2.36% below avgNationally 2.80%
Details

Rate History
No change since Sep 27, 2026 · 0.50% APY · checked 4 times
0.00%0.50%1.00%Sep 27, 2026: 0.50% APYSep 27, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1 S Main St, Chatham, VA 24531
4-Year RampUp
$50,000
0.25% ▼ 2.61% below Virginia avg
View
▼
Rate0.25%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average2.86%▼ 2.61% below avgNationally 2.80%
Details

Rate History
No change since Sep 27, 2026 · 0.25% APY · checked 4 times
0.00%0.38%0.75%Sep 27, 2026: 0.25% APYSep 27, 2026Oct 14, 2026
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1 S Main St, Chatham, VA 24531
4 Year CD
$500
0.15% ▼ 2.71% below Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average2.86%▼ 2.71% below avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 0.15% APY · checked 2 times
0.00%0.33%0.65%Oct 7, 2026: 0.15% APYOct 7, 2026Oct 14, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
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 14, 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%
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 14, 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%
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 14, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
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 14, 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%
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 14, 2026
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
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 14, 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%
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 14, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
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 14, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
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 14, 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%
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 14, 2026
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
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 14, 2026
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
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 14, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
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 14, 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%
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 14, 2026
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
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 14, 2026
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
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 14, 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%
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 14, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
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 14, 2026
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.99%
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 14, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
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 14, 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%
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 14, 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%
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 14, 2026
Argent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
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 14, 2026
Argent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
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 14, 2026
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
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 14, 2026
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
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 14, 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%
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 14, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
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 14, 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%
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 14, 2026
  • Oct 7, 20263.75%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
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 14, 2026
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
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 14, 2026
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
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 14, 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%
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 14, 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%
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 14, 2026
TruEnergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
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 14, 2026
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
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 14, 2026
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
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 14, 2026
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
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 14, 2026
Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.94%
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 14, 2026
Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.94%
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 14, 2026
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
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 14, 2026
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
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 14, 2026
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
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 14, 2026

Chatham 60 Month CD Rates

Virginia 60 Month CD Average3.03% APYNational 2.91%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
13880 Us Highway 29, Chatham, VA 24531
Standard CDs and IRAs - 5 Year
$0
2.50% ▼ 0.53% below Virginia avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average3.03%▼ 0.53% below avgNationally 2.91%
Details

Schedule an Appointment

Rate History
No change since Oct 7, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 7, 2026: 2.50% APYOct 7, 2026Oct 14, 2026
First National Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
55 N Main St, Chatham, VA 24531
5 Year Certificate
$500
2.27% ▼ 0.76% below Virginia avg
View
▼
Rate2.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average3.03%▼ 0.76% below avgNationally 2.91%
Details

Rate History
No change since Sep 8, 2026 · 2.27% APY · checked 8 times
1.77%2.27%2.77%Sep 8, 2026: 2.27% APYSep 8, 2026Oct 14, 2026
First National Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
55 N Main St, Chatham, VA 24531
5 Year Fixed IRA
$100
2.27% ▼ 0.76% below Virginia avg
View
▼
Rate2.25%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average3.03%▼ 0.76% below avgNationally 2.91%
Details

Rate History
No change since Sep 8, 2026 · 2.27% APY · checked 5 times
1.77%2.27%2.77%Sep 8, 2026: 2.27% APYSep 8, 2026Oct 14, 2026
First National Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
55 N Main St, Chatham, VA 24531
Roth 5 Year Fixed IRA
$100
2.27% ▼ 0.76% below Virginia avg
View
▼
Rate2.25%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Virginia Average3.03%▼ 0.76% below avgNationally 2.91%
Details

Rate History
No change since Sep 8, 2026 · 2.27% APY · checked 5 times
1.77%2.27%2.77%Sep 8, 2026: 2.27% APYSep 8, 2026Oct 14, 2026
URW Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.25%
13701 US Highway 29 Ste I, Chatham, VA 24531
5 Year Share Certificate
$1,000
1.56% ▼ 1.47% below Virginia avg
View
▼
Rate1.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.03%▼ 1.47% below avgNationally 2.91%
Details

Rate History
No change since Oct 13, 2026 · 1.56% APY
1.06%1.56%2.06%Oct 13, 2026: 1.56% APYOct 13, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1 S Main St, Chatham, VA 24531
5-Year CD
$0
0.50% ▼ 2.53% below Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average3.03%▼ 2.53% below avgNationally 2.91%
Details

Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 5 times
0.00%0.50%1.00%Sep 24, 2026: 0.50% APYSep 24, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1 S Main St, Chatham, VA 24531
5-Year Term
$1,000
0.50% ▼ 2.53% below Virginia avg
View
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Virginia Average3.03%▼ 2.53% below avgNationally 2.91%
Details

Rate History
No change since Sep 27, 2026 · 0.50% APY · checked 4 times
0.00%0.50%1.00%Sep 27, 2026: 0.50% APYSep 27, 2026Oct 14, 2026
Beach Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
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 2.91%
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 14, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
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 2.91%
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 14, 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%
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 2.91%
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 14, 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%
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 2.91%
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 14, 2026
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
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 2.91%
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 14, 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%
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 2.91%
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 14, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
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 2.91%
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 14, 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%
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 2.91%
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 14, 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%
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 2.91%
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 14, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
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 2.91%
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 14, 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%
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 2.91%
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 14, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
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 2.91%
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 14, 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%
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 2.91%
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 14, 2026
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
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 2.91%
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 14, 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%
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 2.91%
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 14, 2026
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
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 2.91%
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 14, 2026
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
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 2.91%
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 14, 2026
First Sentinel Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
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 2.91%
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 14, 2026
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
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 2.91%
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 14, 2026
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
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 2.91%
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 14, 2026
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.20%
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 2.91%
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 14, 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%
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 2.91%
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 14, 2026
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
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 2.91%
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 14, 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%
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 2.91%
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 14, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
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 2.91%
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 14, 2026
Argent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
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 2.91%
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 14, 2026
Argent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
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 2.91%
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 14, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
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 2.91%
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 14, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
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 2.91%
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 14, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
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 2.91%
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 14, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
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 2.91%
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 14, 2026
Vantage Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
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 2.91%
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 14, 2026
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
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 2.91%
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 14, 2026
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
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 2.91%
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 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
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 2.91%
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 14, 2026
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
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 2.91%
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 14, 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%
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 2.91%
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 14, 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%
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 2.91%
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 14, 2026
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
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 2.91%
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 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
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 2.91%
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 14, 2026
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
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 2.91%
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 14, 2026
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
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 2.91%
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 14, 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%
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 2.91%
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 14, 2026
  • Sep 25, 20263.85%▲ from 3.10%
  • Sep 18, 20263.10%first recorded
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 Chatham, Virginia Institutions

Highest verified APYs available today, updated October 13, 2026

B Top 5 Bank Rates
CIT Bank
1-Year CD
A 5.0 ★ TX: 7.72%
Min: $0
4.00%
Truist
12-month CD
A+ 5.0 ★ TX: 2.87%
Min: $0
3.25%
First National Bank VA
6 Month CD
A+ 5.0 ★ TX: 1.54%
Min: $500
3.02%
Atlantic Union Bank
Standard CDs and IRAs - 1 Year
A+ 5.0 ★ TX: 2.51%
Min: $0
3.00%
First Citizens Bank
12 Month CD
A 5.0 ★ TX: 7.72%
Min: $500
2.00%
CU Top 5 Credit Union Rates
URW Community Federal Credit Union
1 Year Share Certificate
A 5.0 ★ TX: 7.25%
Min: $1,000
3.60%
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%
Rates verified October 13, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Chatham, VA CD Rate Trends

Compare local Chatham, VA 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
3.056%
▲ 0.005 vs 7 days ago

Virginia 12-month CD rates rose 0.005 points over the past 7 days to 3.056% APY.

6-Month CD VA Avg
2.674%
▲ 0.019 vs 7 days ago

Virginia 6-month CD rates rose 0.019 points over the past 7 days to 2.674% APY.

As of Oct 14, 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
3.056%
6-Month Forecast
3.056%
Range: 2.86%, 3.21%
12-Month Forecast
3.306%
Range: 3.11%, 3.46%

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 1.32% 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 1.652% $82.60 $165.20 $413.00 $826.00
6-Month CD 2.674% $133.69 $267.37 $668.43 $1,336.85
12-Month CD 3.056% $152.78 $305.56 $763.90 $1,527.80
18-Month CD 3.120% $156.02 $312.03 $780.07 $1,560.15
24-Month CD 2.929% $146.45 $292.90 $732.25 $1,464.50
36-Month CD 2.896% $144.82 $289.64 $724.10 $1,448.20
48-Month CD 2.855% $142.76 $285.52 $713.80 $1,427.60
60-Month CD 3.033% $151.64 $303.28 $758.20 $1,516.40
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.
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Sample CD Ladder for Chatham, 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 1.652% $82.60
2 6-Month CD $5,000 2.674% $133.69
3 12-Month CD $5,000 3.056% $152.78
4 24-Month CD $5,000 2.929% $146.45
5 36-Month CD $5,000 2.896% $144.82
Total ($25,000 invested) $25,000 2.641% blended $660.34/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.

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1,531
CD Rates
Tracked in Chatham, Virginia
33 Banks 69 Credit Unions

About Our Chatham, Virginia CD Rate Database

MonitorBankRates tracks 1,531 CD rates from 33 banks and 69 credit unions with locations in Chatham, 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: CIT Bank offers a CD at 4.00% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Chatham, Virginia.

How to Find the Best CD Rates in Chatham, Virginia

What to compare when shopping for a CD in Chatham, Virginia

To find the best APYs in Chatham, Virginia, start with credit unions and online-only banks: Chatham, Virginia has 69 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 Chatham, 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 Chatham, Virginia: 102 institutions here report CD rates

Consider an Alternative If…

Chatham, Virginia Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024

Population 65+
24.4%
National avg: 17.3%
Median Individual Earnings
$40,139
National avg: $47,340
Poverty Rate
7.8%
National avg: 11.1%
Unemployment Rate
3.3%
National avg: 4.8%
CD Earnings on 10% of Salary
$123/yr
At VA 12-mo avg 3.056% APY

24.4% of residents are 65 or older, above the national average of 17.3%, making fixed-rate CDs a particularly relevant savings vehicle in this market; a low unemployment rate of 3.3% reflects a strong local economy. At today’s VA 12-month CD average of 3.056%, saving 10% of the local median salary ($4,013/year) and putting it in a CD would earn an additional $123 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 Chatham, 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 Chatham, 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 Chatham, 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 Chatham, Virginia as everywhere in the U.S.

Choosing a CD Term in Chatham, 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 Chatham, Virginia savers easier access to their funds. For example, CIT Bank is offering its 6-Month CD at 3.75% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Atlantic Union Bank is offering its Standard CDs and IRAs - 5 Year at 2.50% 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 Chatham, 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 Chatham, 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 Chatham, 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 Chatham, 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 Chatham, Virginia

Most CDs carry a fixed rate that is locked for the entire term, protecting a Chatham, 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 Chatham, Virginia

Are CD rates in Chatham, Virginia FDIC insured?

Yes, most established banks in Chatham, 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 Chatham, 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 Chatham, 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 Chatham, 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 Chatham, Virginia?

Here are recent top rates found for this area:
  • CIT Bank: 4.00% APY (1-Year CD)
  • URW Community Federal Credit Union: 3.60% APY (1 Year Share Certificate)
  • Truist: 3.25% APY (12-month CD)
  • First National Bank VA: 3.02% APY (6 Month CD)
  • Atlantic Union Bank: 3.00% APY (Standard CDs and IRAs - 1 Year)
  • First Citizens Bank: 2.00% APY (12 Month CD)
  • 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)
Rates reflect recent verified offers available in Chatham, Virginia. Last Updated: October 13, 2026

Chatham, 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 Chatham, 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 Chatham, 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 Chatham, Virginia. Averages shown use the Virginia state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Chatham, Virginia

Chatham, Virginia CD Calculator

At today’s VA top rate of 4.00% APY, a $10,000 deposit earns $400 in the first year. Enter your amount to see your exact return.

Chatham, Virginia CD Ladder

VA CD rates currently range from 1.652% (3-month) to 2.896% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Chatham, Virginia CD at 4.00% 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 3.056% 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 Chatham, 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 Chatham, 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 Chatham, 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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