CD Rates Cheriton, Virginia (VA) for April 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
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.
Current Cheriton, Virginia CD rates include PAHO WHOPAHO WHOA+5.0 ★Texas Ratio: 4.20%Real return: +1.79%APY minus CPI (February 2026) offering 36 Month IRA Certificate at 4.59% APY, Apple Federal Credit UnionApple Federal Credit UnionA+5.0 ★Texas Ratio: 0.37%Real return: +1.70%APY minus CPI (February 2026) offering 12-Month Starter Certificate at 4.50% APY, Pen Air Credit UnionPen Air Credit UnionA+5.0 ★Texas Ratio: 3.02%Real return: +1.30%APY minus CPI (February 2026) offering 6 month Certificate Account at 4.10% APY, Autotruck Financial Credit UnionAutotruck Financial Credit UnionA+5.0 ★Texas Ratio: 3.26%Real return: +1.26%APY minus CPI (February 2026) offering Share Certificate Accounts 6 Month at 4.06% APY, and Partners 1st Federal Credit UnionPartners 1st Federal Credit UnionA+5.0 ★Texas Ratio: 3.82%Real return: +1.20%APY minus CPI (February 2026) offering 12-month savings certificate at 4.00% APY. CD rates as of April 22, 2026 according to verified data from MonitorBankRates.
We compared 839 CD rates from 88 banks and credit unions available to Cheriton, Virginia residents to help you find the best bank CD rates and credit union CD rates across all terms.
Cheriton is a smaller community with no bank or credit union branches currently in our database. 391 institutions serving the Virginia area are available to Cheriton residents, with CD rates as high as 4.59% APY from PAHO WHO. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: April 22, 2026
Compare Best CD Rates in Cheriton, Virginia & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
3 Month Share Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
*APY: Annual Percentage Yield
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
3 Month Certificate
$500
3.70%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
3 Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.60%
Jumbo - 90 Day Certificate
$100,000
2.90%
▼
Rate2.85%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.59%
3-Month Share Certificate
$0
2.55%
▼
Rate2.55%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
3 month Certificate Account
$0
2.10%
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Share Certificate Accounts 3 Month
$0
1.26%
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Regular Accounts
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Traditional IRA and Roth IRA Certificate 3 month
$100,000
1.12%
▼
Rate1.11%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
3 Month Certificate
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
3-month term Standard CDs
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
FNB Bank, Inc. Romney, WV
Institution Rating:
A5.0 ★Texas Ratio: 13.45%
3 MONTH CD
$2,500
0.50%
▼
Rate0.50%
Min Deposit$2,500
Min Balance—
UpdatedApr 22, 2026
Details
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
FNB of Peterstown
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
3 Months Certificate of Deposits
$2,500
0.40%
▼
Rate0.40%
Min Deposit$2,500
Min Balance—
UpdatedApr 22, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 22, 2026
Details
Early withdrawal penalties may apply
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
IRA Certificates 3 months
$1,000
0.05%
▼
Rate0.05%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
3 Months Share Certificate
$500
0.02%
▼
Rate0.02%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
6 month Certificate Account
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Share Certificate Accounts 6 Month
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Regular Accounts
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
APY accurate as of 04/01/2026; Minimum deposit of $1,000 required to open the CD.
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
6 Months Share Certificate
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
Share Certificates - Minimum 6 month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Balance $1,500
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
Regular Certificates 6 month Term
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
6 Month Share & IRA Certificate Platinum
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Bank of Botetourt
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
Certificate of Deposit 6 Month Special
$2,500
3.70%
▼
Rate3.67%
Min Deposit$2,500
Min Balance—
UpdatedApr 22, 2026
Details
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
6 months Term Shares Certificate
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
New Money Certificate of Deposit 6 months
$1,000
3.60%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
6 Month Certificate
$500
3.60%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.60%
Jumbo - 6 Month Certificate
$100,000
3.60%
▼
Rate3.53%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 6 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
6 Month Certificate of Deposit (IRA)
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
6 Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
6 Month Share Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
6 Month Share Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
*APY: Annual Percentage Yield
Park View Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
Business Regular Fixed Rate Certificates 6 months
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.20%
Share Certificate 6 Months
$500
3.49%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Farmers Bank of Appomattox
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
Jumbo CDs 6 Month
$100,000
3.30%
▼
Rate3.23%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
IRA Certificate - 6 Months (Reg/Roth/Educ)
$100,000
3.25%
▼
Rate3.20%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
Everest Federal Credit Union
Institution Rating:
F1.5 ★Texas Ratio: 57.24%
6-Month CD
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Bronco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.34%
6-Month Share Certificates
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
6 month Share Certificate
$100,000
3.16%
▼
Rate3.12%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.59%
6-Month Share Certificate
$0
3.15%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
Share & IRA Share Certificates (6 month term)
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
6 month Certificate
$0
3.10%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Baylands Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.17%
6 months Share Certificate
$0
2.94%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
6 months Share Certificates
$500
2.75%
▼
Rate2.73%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
URW Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.37%
6 Month Share Certificates (Share & IRA)
$1,000
2.53%
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Homebase Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
Share Certificate / IRA Certificate 6 Month
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
Youth Savings Certificate 6 Month Certificate
$25
2.50%
▼
Rate2.47%
Min Deposit$25
Min Balance—
UpdatedApr 22, 2026
Details
Healthcare Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
Share Certificate 6 months
$0
2.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
NAE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
6 Months Share & IRA Certificates
$0
2.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Other Terms: 7, 8, 9, 10, & 11
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
6 Month Certificate
$0
2.00%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
American Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
6 Month IRA and Share Certificates
$500
1.75%
▼
Rate1.74%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.27%
6 Month Preferred Certificates
$0
1.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
6-month Share Certificates
$0
1.45%
▼
Rate1.44%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
6-month term Standard CDs
$0
1.35%
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.67%
IRA Certificates 6 Months
$0
1.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
Business Share Certificates 6 Month
$500
1.20%
▼
Rate1.20%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Connects Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
6 months Share Certificate
$500
1.00%
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
A penalty may apply for early withdrawal
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
Youth Share Certificates 6 Month - Certificate
$100
0.75%
▼
Rate0.75%
Min Deposit$100
Min Balance—
UpdatedApr 22, 2026
Details
FNB Bank, Inc. Romney, WV
Institution Rating:
A5.0 ★Texas Ratio: 13.45%
6 MONTH CD
$1,000
0.75%
▼
Rate0.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Northern Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
6 Month Certificates of Deposit (CDs)
$1,000
0.75%
▼
Rate0.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Minimum balance required is $1,000.
FNB of Peterstown
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
6 Months Certificate of Deposits
$2,500
0.60%
▼
Rate0.60%
Min Deposit$2,500
Min Balance—
UpdatedApr 22, 2026
Details
KEMBA ROANOKE
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
6 Month Share Certificates
$500
0.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Additional Deposits not allowed; Withdrawals allowed; Dividends compounded and credited monthly; Penalties may apply for early withdrawal; Refer to the Member Account Agreement for the Truth in Savings Disclosure related to these accounts.; Rates subject to change without notice. Minimum deposit required to earn dividends varies, please speak to a member representative for more information
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Apple Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
12-Month Starter Certificate
$50
4.50%
▼
Rate—
Min Deposit$50
Min Balance—
UpdatedApr 22, 2026
Details
Add additional funds at any time up to $5,000 maximum.
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
12-month savings certificate
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Get more from your tax return.
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
APY accurate as of 04/01/2026; Minimum deposit of $1,000 required to open the CD.
Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
Share Certificates - Minimum 12 month
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Balance $1,500
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Share Certificate Accounts 12 Month
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Regular Accounts
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificate 12-Month
$0
3.84%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
12 Months Share Certificate
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
1-year Certificate
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
[Learn More](https://www.self-help.org/personal/accounts/certificates/term-certificates)
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
12 Month Share & IRA Certificate Platinum
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
12 Month Certificate
$500
3.80%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Limited time offer. Only available in our branches.
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
1-Year Share Certificate
$0
3.76%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
12 months Share Certificates
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
12 Month Share Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
12 month Certificate
$0
3.75%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
New Money Certificate of Deposit 12 months
$1,000
3.65%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.20%
Jumbo IRA Share Certificate 12 Months
$100,000
3.65%
▼
Rate3.60%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
Bank of Botetourt
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
Certificate of Deposit 12 Month Special
$2,500
3.60%
▼
Rate3.55%
Min Deposit$2,500
Min Balance—
UpdatedApr 22, 2026
Details
URW Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.37%
1 Year Share Certificates (Share & IRA)
$1,000
3.60%
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
12 Month Certificate of Deposit (IRA)
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.60%
Jumbo - 1 Year Certificate
$100,000
3.60%
▼
Rate3.53%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Homebase Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
Share Certificate / IRA Certificate 12 Month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
12 months Term Shares Certificate
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
12 Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.59%
1-Year IRA Share Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
12 Month Term Certificates
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Minimum to Open $1,000.00
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
IRA Certificates 1 year
$100,000
3.50%
▼
Rate3.45%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
IRA Certificates 1 Year Term
$500
3.50%
▼
Rate3.46%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
Share & IRA Share Certificates (12 month term)
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
12 Month Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 12-Month Fixed
$100,000
3.40%
▼
Rate3.35%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
$100,000 Minimum to Earn APY
Hopewell Chemical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
12 Months Share Certificate
$1,000
3.40%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
1 Year Certificate
$0
3.35%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Park View Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
Business Regular Fixed Rate Certificates 1 year
$0
3.35%
▼
Rate3.31%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Traditional IRA and Roth IRA Certificate 12 month
$100,000
3.31%
▼
Rate3.27%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
IRA Certificate - 12 Months (Reg/Roth/Educ)
$100,000
3.25%
▼
Rate3.20%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
Everest Federal Credit Union
Institution Rating:
F1.5 ★Texas Ratio: 57.24%
12-Month CD
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Healthcare Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
12 months Share Certificate
$10,000
3.25%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 22, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.63%
Certificate of Deposit 12 months
$0
3.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Farmers Bank of Appomattox
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
Jumbo CDs 1 Year
$100,000
3.15%
▼
Rate3.07%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
Baylands Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.17%
12 months Share Certificate
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
NAE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
12 Month Share & IRA Certificates
$0
3.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Other Terms: 13, 15, & 16 Mo
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
The Blue Grass Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
12 Month Certificate of Deposit
$1,000
2.70%
▼
Rate2.68%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
12 month Certificate Account
$0
2.35%
▼
Rate2.33%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Bronco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.34%
12-Month Share Certificates
$0
2.20%
▼
Rate2.18%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
12-month Share Certificates
$0
2.01%
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
18-Month Certificates
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
APY accurate as of 04/01/2026; Minimum deposit of $1,000 required to open the CD.
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.60%
18 Month Certificate
$250
3.75%
▼
Rate3.68%
Min Deposit$250
Min Balance—
UpdatedApr 22, 2026
Details
Corporate America Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
18-Month Share Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Save more when you move at least $500 from another financial institution.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 18-Month Variable
$100,000
3.69%
▼
Rate3.63%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
$100,000 Minimum to Earn APY
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
Youth Month Certificate Special - 18 Month Term
$100
3.69%
▼
Rate3.64%
Min Deposit$100
Min Balance—
UpdatedApr 22, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
18 Months Share Certificate
$500
3.67%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
Share Certificates - Minimum 18 month
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Balance $1,500
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
IRA Variable-Rate Certificate 18-month term
$50
3.66%
▼
Rate3.60%
Min Deposit$50
Min Balance—
UpdatedApr 22, 2026
Details
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
18 months Share Certificates
$500
3.65%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
18 Month Certificate
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Homebase Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
Share Certificate / IRA Certificate 18 Month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.20%
Jumbo IRA Share Certificate 18 Months
$100,000
3.55%
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.59%
18-Month Share Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Share Certificate Accounts 18 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Regular Accounts
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
IRA Certificates 18 Month Term
$500
3.50%
▼
Rate3.46%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
18 Month Certificate
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
18 Month Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Traditional IRA and Roth IRA Certificate 18 month
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
18 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
18 Month Term Certificates
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Minimum to Open $1,000.00
Healthcare Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
18 months Share Certificate
$10,000
3.25%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 22, 2026
Details
Park View Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
Business Regular Fixed Rate Certificates 18 months
$0
3.20%
▼
Rate3.16%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
NAE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
18 Months Share & IRA Certificates
$0
3.13%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Other Terms: 19, 20, 21, & 22
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
IRA Certificate - 18 Months (Reg/Roth/Educ)
$1,000
3.05%
▼
Rate3.01%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
IRA Certificates 18 months
$100,000
3.00%
▼
Rate2.96%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
American Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
18 Month IRA and Share Certificates
$1,000
2.75%
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Farmers Bank of Appomattox
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
18 Month Club Certificate
$10,000
2.70%
▼
Rate2.67%
Min Deposit$10,000
Min Balance—
UpdatedApr 22, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
18 month Certificate Account
$0
2.40%
▼
Rate2.37%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
The Blue Grass Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
18 Month Certificate of Deposit
$1,000
2.35%
▼
Rate2.34%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
First National Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
Educational IRA 18 Month
$0
2.32%
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
18-month Share Certificates
$0
2.01%
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Rate1.79%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.67%
IRA Certificates 18 Months
$0
1.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
FNB Bank, Inc. Romney, WV
Institution Rating:
A5.0 ★Texas Ratio: 13.45%
18 MONTH IRA (Variable)
$100
1.25%
▼
Rate1.24%
Min Deposit$100
Min Balance—
UpdatedApr 22, 2026
Details
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Bank of Botetourt
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
Certificate of Deposit 18 Months
$2,500
0.55%
▼
Rate0.55%
Min Deposit$2,500
Min Balance—
UpdatedApr 22, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
24 Month CD
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
Investment Certificate 1 to 2 Years Jumbo
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Early Withdrawal Penalty: 90 Days' Dividends
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 24 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
APY accurate as of 04/01/2026; Minimum deposit of $1,000 required to open the CD.
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
2-year term
$500
3.71%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.60%
Jumbo - 2 Year Certificate
$100,000
3.70%
▼
Rate3.63%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
24 Month Share & IRA Certificate Platinum
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
24 Months Share Certificate
$500
3.67%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
Share Certificates - Minimum 24 month
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Balance $1,500
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
24 Month Certificate
$500
3.65%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
New Money Certificate of Deposit 24 months
$1,000
3.60%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.20%
Jumbo IRA Share Certificate 24 Months
$100,000
3.60%
▼
Rate3.55%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
Share & IRA Share Certificates (24 month term)
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Homebase Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
Share Certificate / IRA Certificate 24 month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
24 months Share Certificates
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.59%
2-Year IRA Share Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
IRA Certificates 2 Year Term
$500
3.50%
▼
Rate3.46%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Call Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
24-Month Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
As High As
Hopewell Chemical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
24 Months Share Certificate
$1,000
3.50%
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
24 months Term Shares Certificate
$0
3.46%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
24 Month Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 24-Month Fixed
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
$100,000 Minimum to Earn APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Traditional IRA and Roth IRA Certificate 24 month
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
Healthcare Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
24 months Share Certificate
$10,000
3.35%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedApr 22, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
24 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Share Certificate Accounts 24 Month
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Regular Accounts
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
24 Month Term Certificates
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Minimum to Open $1,000.00
NAE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
24 Months Share & IRA Certificates
$0
3.23%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Other Terms: 30 & 35
Park View Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
Business Regular Fixed Rate Certificates 2 years
$0
3.20%
▼
Rate3.16%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Baylands Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.17%
24 months Share Certificate
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
URW Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.37%
2 Year Share Certificates (Share & IRA)
$1,000
3.09%
▼
Rate3.05%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Bank of Botetourt
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
24-Month IRA Special
$100
3.03%
▼
Rate3.00%
Min Deposit$100
Min Balance—
UpdatedApr 22, 2026
Details
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
2 Year Certificate
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
American Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
24 Month IRA and Share Certificates
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
IRA Certificates 2 years
$100,000
3.00%
▼
Rate2.96%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
IRA Certificate - 24 Months
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Farmers Bank of Appomattox
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
Jumbo CDs 2 Year
$100,000
2.80%
▼
Rate2.73%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
2 Year - Certificate or IRA Certificate
$1,000
2.78%
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
Business Share Certificates 24 Month
$500
2.75%
▼
Rate2.72%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
24-month term Standard CDs
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
24 month Certificate Account
$0
2.55%
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Bronco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.34%
24-Month Share Certificates
$0
2.55%
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
24 Month Share Certificate
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Connects Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
2 year Share Certificate
$1,000
2.12%
▼
Rate2.10%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
A penalty may apply for early withdrawal
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
24-month Share Certificates
$0
2.01%
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
The Blue Grass Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
24 Month Certificate of Deposit
$1,000
2.00%
▼
Rate1.99%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.27%
24 Month Preferred Certificates
$0
1.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Rate4.50%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
Traditional IRA and Roth IRA Certificate 36 month
$100,000
4.00%
▼
Rate3.94%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
36 Months Share Certificate
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
Investment Certificate 2 to 3 Years Jumbo
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Early Withdrawal Penalty: 180 Days' Dividends
Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
Share & IRA Share Certificates (36 month term)
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 36 Month
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
Fixed-Rate Jumbo 3-year term
$100,000
3.71%
▼
Rate3.65%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.60%
Jumbo - 3 Year Certificate
$100,000
3.70%
▼
Rate3.63%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
Hopewell Chemical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
36 Months Share Certificate
$1,000
3.70%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
Share Certificates - Minimum 36 month
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Balance $1,500
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
36 Month Share & IRA Certificate Platinum
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Homebase Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
Share Certificate / IRA Certificate 36 Month
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 36-Month Variable
$100,000
3.58%
▼
Rate3.52%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
$100,000 Minimum to Earn APY
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
36 Month Certificate
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.59%
3-Year IRA Share Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
36 Month Term Certificates
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Minimum to Open $1,000.00
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
IRA Certificates 3 Year Term
$500
3.50%
▼
Rate3.46%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.20%
Jumbo IRA Share Certificate 36 Months
$100,000
3.49%
▼
Rate3.45%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
36 months Share Certificates
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
36 months Term Shares Certificate
$0
3.41%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
36 Month Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Healthcare Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
Share Certificate 36 months
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
3-year Certificate
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
[Learn More](https://www.self-help.org/personal/accounts/certificates/term-certificates)
NAE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
36 Months Share & IRA Certificates
$0
3.33%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
36 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Share Certificate Accounts 36 Month
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Regular Accounts
Baylands Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.17%
36 months Share Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
American Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
36 Month IRA and Share Certificates
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Everest Federal Credit Union
Institution Rating:
F1.5 ★Texas Ratio: 57.24%
36-Month CD
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
36 Month Certificate
$0
3.20%
▼
Rate3.16%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
IRA Certificate - 36 Months (Reg/Roth/Educ)
$100,000
3.10%
▼
Rate3.06%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
Park View Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
Business Regular Fixed Rate Certificates 3 years
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
3 Year Certificate
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
IRA Certificates 3 years
$100,000
3.00%
▼
Rate2.96%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
36-month term Standard CDs
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
Business Share Certificates 36 Month
$500
2.75%
▼
Rate2.72%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
36 month Certificate Account
$0
2.65%
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Bronco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.34%
36-Month Share Certificates
$0
2.65%
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Connects Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
3 Year Certificate
$0
2.62%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Farmers Bank of Appomattox
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
Jumbo CDs 3 Year
$100,000
2.55%
▼
Rate2.49%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
Youth Share Certificates 3 Year - Certificate
$100
2.52%
▼
Rate2.50%
Min Deposit$100
Min Balance—
UpdatedApr 22, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
FNB Bank, Inc. Romney, WV
Institution Rating:
A5.0 ★Texas Ratio: 13.45%
36 MONTH CD
$1,000
2.25%
▼
Rate2.23%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Rate2.13%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
URW Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.37%
3 Year Share Certificates (Share & IRA)
$1,000
2.06%
▼
Rate2.05%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
36-month Share Certificates
$0
2.06%
▼
Rate2.04%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
VIRGINIA STATE UNIVERSITY
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
36 Months Share Certificate
$500
2.02%
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.27%
36 Month Preferred Certificates
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Northern Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
3-Year Certificates of Deposit (CDs)
$1,000
2.00%
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Minimum balance required is $1,000.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
Share & IRA Share Certificates (48 month term)
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
48 Months Share Certificate
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
Investment Certificate 3 to 4 Years Jumbo
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Early Withdrawal Penalty: 180 Days' Dividends
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 48 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
48 Month Share & IRA Certificate Platinum
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
Share Certificates - Minimum 48 month
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Balance $1,500
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
Fixed-Rate Jumbo 4-year term
$100,000
3.66%
▼
Rate3.60%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.60%
4 Year Certificate
$1,000
3.60%
▼
Rate3.53%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
48 Month Certificate
$500
3.58%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.59%
48-Month Share Certificate
$0
3.57%
▼
Rate3.53%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Share Certificate Accounts 48 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Regular Accounts
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
IRA Certificates 4 Year Term
$500
3.50%
▼
Rate3.46%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
48 Month Term Certificates
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Minimum to Open $1,000.00
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 48-Month Fixed
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
$100,000 Minimum to Earn APY
American Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
48 Month IRA and Share Certificates
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.20%
Jumbo IRA Share Certificate 48 Months
$100,000
3.49%
▼
Rate3.45%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
48 months Term Shares Certificate
$0
3.41%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
48 Month Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Baylands Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.17%
48 months Share Certificate
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
NAE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
48 Months Share & IRA Certificates
$0
3.33%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Healthcare Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
Share Certificate 48 months
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
48 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Everest Federal Credit Union
Institution Rating:
F1.5 ★Texas Ratio: 57.24%
48-Month CD
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
48 Month Certificate
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
48 month Share Certificate
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
4 Year Certificate
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
FNB Bank, Inc. Romney, WV
Institution Rating:
A5.0 ★Texas Ratio: 13.45%
48 MONTH IRA (Fixed)
$250
3.00%
▼
Rate2.96%
Min Deposit$250
Min Balance—
UpdatedApr 22, 2026
Details
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
IRA Certificates 4 years
$100,000
3.00%
▼
Rate2.96%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
48-month term Standard CDs
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
48 month Certificate Account
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Park View Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
Business Regular Fixed Rate Certificates 4 years
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
Business Share Certificates 48 Month
$500
2.75%
▼
Rate2.72%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Bronco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.34%
48-Month Share Certificates
$0
2.70%
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
Youth Share Certificates 4 Year - Certificate
$100
2.42%
▼
Rate2.40%
Min Deposit$100
Min Balance—
UpdatedApr 22, 2026
Details
Northern Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
4-Year Certificates of Deposit (CDs)
$1,000
2.25%
▼
Rate2.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Minimum balance required is $1,000.
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
48-month Share Certificates
$0
2.06%
▼
Rate2.04%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Virginia Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
48 Month Share Certificate Account
$1,000
1.86%
▼
Rate1.85%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Patent And Trademark Office Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.67%
IRA Certificates 48 Months
$0
1.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
FRONT ROYAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
4 Years Share Certificate
$10,000
1.00%
▼
Rate1.00%
Min Deposit$10,000
Min Balance—
UpdatedApr 22, 2026
Details
Effective April 18, 2023
KEMBA ROANOKE
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
4 Year Share Certificates
$500
1.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Additional Deposits not allowed; Withdrawals allowed; Dividends compounded and credited monthly; Penalties may apply for early withdrawal; Refer to the Member Account Agreement for the Truth in Savings Disclosure related to these accounts.; Rates subject to change without notice. Minimum deposit required to earn dividends varies, please speak to a member representative for more information
Rate1.00%
Min Deposit$100
Min Balance—
UpdatedApr 22, 2026
Details
FNB of Peterstown
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
48 Months Certificate of Deposits
$2,500
1.00%
▼
Rate1.00%
Min Deposit$2,500
Min Balance—
UpdatedApr 22, 2026
Details
ValleyStar Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.99%
48 month Certificates (Business & Consumer)
$0
0.42%
▼
Rate0.42%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
Share & IRA Share Certificate (60 month term)
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
60 Months Share Certificate
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
Investment Certificate 4 to 5 Years Jumbo
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Early Withdrawal Penalty: 180 Days' Dividends
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 60 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
60 Month Share & IRA Certificate Platinum
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
American Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
60 Month IRA and Share Certificates
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
Share Certificates - Minimum 60 month
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Balance $1,500
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.60%
5 Year Certificate
$1,000
3.65%
▼
Rate3.58%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.20%
Jumbo IRA Share Certificate 60 Months
$100,000
3.65%
▼
Rate3.60%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.59%
5-Year IRA Share Certificate
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
60 Month Certificate
$500
3.65%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
Fixed-Rate Jumbo 5-year term
$100,000
3.61%
▼
Rate3.55%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
Healthcare Systems Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
Share Certificate 60 months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
60 Month Term Certificates
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Minimum to Open $1,000.00
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 60-Month Fixed
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
$100,000 Minimum to Earn APY
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Share Certificate Accounts 60 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Regular Accounts
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
IRA Certificates 5 Year Term
$500
3.50%
▼
Rate3.46%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Baylands Family Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.17%
60 months Share Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.96%
60 months Term Shares Certificate
$0
3.41%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Homebase Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
Share Certificate / IRA Certificate 60 Month
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Rate3.34%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
60 Month Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
NAE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
60 Months Share & IRA Certificates
$0
3.33%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
60 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
60 Month Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.21%
IRA Certificates 5 years
$100,000
3.25%
▼
Rate3.20%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
$100,000 to $249,999
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
60 month Share Certificate
$100,000
3.21%
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
60-month term Standard CDs
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
IRA Certificate - 60 Months (Reg/Roth/Educ)
$100,000
3.10%
▼
Rate3.06%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
5 Year Certificate
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Bronco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.34%
60-Month Share Certificates
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
60 month Certificate Account
$0
2.85%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Park View Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
Business Regular Fixed Rate Certificates 5 years
$0
2.85%
▼
Rate2.82%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
FNB Bank, Inc. Romney, WV
Institution Rating:
A5.0 ★Texas Ratio: 13.45%
60 MONTH CD
$1,000
2.75%
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
Business Share Certificates 60 Month
$500
2.75%
▼
Rate2.72%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Northern Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
5-Year Certificates of Deposit (CDs)
$1,000
2.50%
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
Minimum balance required is $1,000.
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
Youth Share Certificates 5 Year - Certificate
$100
2.42%
▼
Rate2.40%
Min Deposit$100
Min Balance—
UpdatedApr 22, 2026
Details
Farmers Bank of Appomattox
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
5 Year Jumbo IRA
$100,000
2.40%
▼
Rate2.35%
Min Deposit$100,000
Min Balance—
UpdatedApr 22, 2026
Details
The Blue Grass Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
60 Month Certificate of Deposit
$500
2.25%
▼
Rate2.24%
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
60-month Share Certificates
$0
2.11%
▼
Rate2.09%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Virginia Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
60 Month Share Certificate Account
$1,000
1.86%
▼
Rate1.85%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
URW Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.37%
5 Year Share Certificates (Share & IRA)
$1,000
1.56%
▼
Rate1.55%
Min Deposit$1,000
Min Balance—
UpdatedApr 22, 2026
Details
FRONT ROYAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
5 Years Share Certificate
$10,000
1.15%
▼
Rate1.15%
Min Deposit$10,000
Min Balance—
UpdatedApr 22, 2026
Details
Effective April 18, 2023
KEMBA ROANOKE
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
5 Year Share Certificates
$500
1.10%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 22, 2026
Details
Additional Deposits not allowed; Withdrawals allowed; Dividends compounded and credited monthly; Penalties may apply for early withdrawal; Refer to the Member Account Agreement for the Truth in Savings Disclosure related to these accounts.; Rates subject to change without notice. Minimum deposit required to earn dividends varies, please speak to a member representative for more information
Rate1.10%
Min Deposit$100
Min Balance—
UpdatedApr 22, 2026
Details
FNB of Peterstown
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
60 Months Certificate of Deposits
$2,500
1.00%
▼
Rate1.00%
Min Deposit$2,500
Min Balance—
UpdatedApr 22, 2026
Details
ValleyStar Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.99%
60 month Certificates (Business & Consumer)
$0
0.55%
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
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MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Cheriton, VA CD Rate Trends
Compare local Cheriton, 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.
12-Month CD — VA Avg
2.234%
▼ 0.195 vs 7 days ago
Virginia 12-month CD rates fell 0.195 points over the past 7 days to 2.234% APY.
6-Month CD — VA Avg
1.431%
▼ 0.282 vs 7 days ago
Virginia 6-month CD rates fell 0.282 points over the past 7 days to 1.431% APY.
As of Apr 22, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
VA CD Rate Forecast — Next 12 Months
Where are Virginia CD rates headed through April 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
VA 12-Month Avg APY
2.234%
6-Month Forecast
2.234%
Range: 2.03% – 2.38%
12-Month Forecast
1.984%
Range: 1.78% – 2.13%
Powered by
MonitorBankRates
What Your Savings Earn at VA CD Rates Today
Annual interest earnings at today’s Virginia average APYs. State average used where available; national average as fallback.
| CD Term | VA Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 0.558% | $27.92 | $55.83 | $139.58 | $279.15 |
| 6-Month CD | 1.431% | $71.54 | $143.07 | $357.68 | $715.35 |
| 12-Month CD | 2.234% | $111.71 | $223.42 | $558.55 | $1,117.10 |
| 18-Month CD | 2.479% | $123.94 | $247.87 | $619.68 | $1,239.35 |
| 24-Month CD | 2.504% | $125.20 | $250.39 | $625.98 | $1,251.95 |
| 36-Month CD | 2.477% | $123.83 | $247.66 | $619.15 | $1,238.30 |
| 48-Month CD | 2.491% | $124.56 | $249.12 | $622.80 | $1,245.60 |
| 60-Month CD | 2.598% | $129.89 | $259.77 | $649.43 | $1,298.85 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 22, 2026. | |||||
Sample CD Ladder for Cheriton, Virginia Savers
$25,000 split equally across 5 terms using today’s Virginia average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | VA Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 0.558% | $27.92 |
| 2 | 6-Month CD | $5,000 | 1.431% | $71.54 |
| 3 | 12-Month CD | $5,000 | 2.234% | $111.71 |
| 4 | 24-Month CD | $5,000 | 2.504% | $125.20 |
| 5 | 36-Month CD | $5,000 | 2.477% | $123.83 |
| Total ($25,000 invested) | $25,000 | 1.841% blended | $460.20/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.
839
CD Rates
Tracked in Cheriton, Virginia
Tracked in Cheriton, Virginia
20 Banks
53 Credit Unions
About Our Cheriton, Virginia CD Rate Database
MonitorBankRates tracks 839 CD rates from 20 banks and 53 credit unions with locations in Cheriton, Virginia, plus national online institutions available to Virginia residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: PAHO WHO offers a CD at 4.59% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Cheriton, Virginia.
How to Find the Best CD Rates in Cheriton, Virginia
What to compare when shopping for a CD in Cheriton, Virginia
To find the best APYs in Cheriton, Virginia, start with credit unions and online-only banks — Cheriton, Virginia has 53 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 Cheriton, 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 Cheriton, Virginia — 73 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Cheriton, Virginia savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Cheriton, Virginia money market rates
Virginia Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024 (state-level data shown — city data not available)
Population 65+
16.7%
National avg: 17.3%
Median Individual Earnings
$51,121
National avg: $47,340
Poverty Rate
9.9%
National avg: 11.1%
Unemployment Rate
4.1%
National avg: 4.8%
CD Earnings on 10% of Salary
$114/yr
At VA 12-mo avg 2.234% APY
16.7% of residents are 65 or older — below the national average of 17.3%. At today’s VA 12-month CD average of 2.234%, saving 10% of the local median salary ($5,112/year) and putting it in a CD would earn an additional $114 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Cheriton, Virginia
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
Frequently Asked Questions about CD Rates in Cheriton, Virginia
Are CD rates in Cheriton, Virginia FDIC insured?
Yes, most established banks in Cheriton, 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 Cheriton, 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 Cheriton, 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 Cheriton, 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 Cheriton, Virginia?
Here are recent top rates found for this area:
- PAHO WHO: 4.59% APY (36 Month IRA Certificate)
- Apple Federal Credit Union: 4.50% APY (12-Month Starter Certificate)
- Pen Air Credit Union: 4.10% APY (6 month Certificate Account)
- Autotruck Financial Credit Union: 4.06% APY (Share Certificate Accounts 6 Month)
- Partners 1st Federal Credit Union: 4.00% APY (12-month savings certificate)
- Justice Federal Credit Union: 4.00% APY (Traditional IRA and Roth IRA Certificate 36 month)
- Vantage Point Federal Credit Union: 3.97% APY (Share & IRA Share Certificate (60 month term))
- EagleBank: 3.95% APY (12 Month CD)
- Arlington Community Federal Credit Union: 3.90% APY (18-Month Certificates)
- Strategic Federal Credit Union: 3.87% APY (Share Certificates - Minimum 12 month)
Rates reflect recent verified offers available in Cheriton, Virginia. Last Updated: April 22, 2026
CD Calculators for Cheriton, Virginia
Cheriton, Virginia CD Calculator
At today’s VA top rate of 4.59% APY, a $10,000 deposit earns $459 in the first year. Enter your amount to see your exact return.
Cheriton, Virginia CD LadderVA CD rates currently range from 0.558% (3-month) to 2.477% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Cheriton, Virginia CD at 4.59% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsVirginia’s average 12-month CD is 2.234% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Cheriton, Virginia directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Cheriton, Virginia. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in VA.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: April 22, 2026
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