CD Rates Culpeper, 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 Culpeper, Virginia CD rates include Partners 1st Federal Credit UnionPartners 1st Federal Credit Union567 James Madison Hwy, Culpeper, VA 22701A+5.0 ★Texas Ratio: 3.82%Real return: +1.20%APY minus CPI (February 2026) offering 12-Month Savings Certificate Special at 4.00% APY, Atlantic Union BankAtlantic Union Bank717 James Madison Hwy, Culpeper, VA 22701A+5.0 ★Texas Ratio: 1.56%Real return: +1.00%APY minus CPI (February 2026) offering 3 Month CD and IRA Specials at 3.80% APY, Oak View National BankOak View National Bank450 James Madison Hwy, Culpeper, VA 22701A+5.0 ★Texas Ratio: 0.00%Real return: +0.70%APY minus CPI (February 2026) offering 6 month CD at 3.50% APY, Blue Ridge Bank National AssociationBlue Ridge Bank National Association701 S Main St, Culpeper, VA 22701F2.8 ★Texas Ratio: 41.42%Real return: -1.20%APY minus CPI (February 2026) offering Consumer Certificates of Deposit 6 Month at 1.60% APY, and Wells FargoWells Fargo795 Nalles Mill Rd, Culpeper, VA 22701A5.0 ★Texas Ratio: 7.44%Real return: -1.29%APY minus CPI (February 2026) offering 1 year Standard Fixed Rate CD at 1.51% APY. CD rates as of April 12, 2026 according to verified data from MonitorBankRates.
Culpeper has 13 local institutions in our database, with CD rates as high as 4.00% APY from Partners 1st Federal Credit Union at 567 James Madison Hwy, Culpeper, VA 22701. 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 — 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 12, 2026
Compare Best CD Rates in Culpeper, Virginia & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
717 James Madison Hwy, Culpeper, VA 22701
3 Month CD and IRA Specials
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
795 Nalles Mill Rd, Culpeper, VA 22701
3 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details
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 12, 2026
Details
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
3 Month Certificate
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
3-Month Share Certificate
$100,000
3.60%
▼
Rate3.54%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
$100,000 Minimum to Earn APY
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 12, 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 12, 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 12, 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 12, 2026
Details
Regular Accounts
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
3 month Share Certificate
$100,000
1.12%
▼
Rate1.11%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
Savings and IRA 3 Month Certificate
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Certificate of Deposit 3-Month
$0
0.70%
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
3-month term Certificates (CDs)
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
$1,000 minimum balance
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
All CD rates may change at any time without prior notice. After your CD is opened, the interest rate is fixed for the term. A penalty is imposed for early withdrawal. Fees could reduce earnings.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
717 James Madison Hwy, Culpeper, VA 22701
6 Month CD and IRA Specials
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Oak View National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
450 James Madison Hwy, Culpeper, VA 22701
6 month CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Blue Ridge Bank National Association
Institution Rating:
F2.8 ★Texas Ratio: 41.42%
701 S Main St, Culpeper, VA 22701
Consumer Certificates of Deposit 6 Month
$0
1.60%
▼
Rate1.59%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
795 Nalles Mill Rd, Culpeper, VA 22701
6 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 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 12, 2026
Details
Regular Accounts
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
IRA Certificates - 6 month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
Regular Certificates 6 month Term
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 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 12, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
Wealth Center/Telephone Deposit Account CDs 6 Month
$1,000
3.55%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
6-Month Share Certificate
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
$100,000 Minimum to Earn APY
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 12, 2026
Details
Bronco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.34%
6-Month Share Certificate
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Everence Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.68%
6 month Certificate
$100,000
3.20%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 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 12, 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 12, 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 12, 2026
Details
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Jumbo Fixed Rate Share Certificates 6-month
$10,000
2.60%
▼
Rate2.58%
Min Deposit$10,000
Min Balance—
UpdatedApr 12, 2026
Details
Richmond Virginia Fire Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
Saving Certificates 6 MONTH CD's
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Share certificate rates are for renewals only (i.e. no new certificates effective 03/18/20).
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 12, 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 12, 2026
Details
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
6 month certificate
$100,000
2.35%
▼
Rate2.33%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
6 month Certificate Account
$0
2.20%
▼
Rate2.18%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
Savings and IRA 6 Month Certificate
$0
2.00%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 2026
Details
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
6-month Share Certificates
$0
1.55%
▼
Rate1.54%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Premier / Select Relationship
Credit Union of Richmond
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
6 Month Share/IRA Certificate
$0
1.51%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
6-month term Certificates (CDs)
$0
1.35%
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 2026
Details
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
6 Month - Certificate
$1,000
0.75%
▼
Rate0.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Certificate of Deposit 6-Month
$0
0.70%
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 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
Freedom First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
6-Month Certificates
$0
0.25%
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Summit Hampton Roads Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
IRA/Share Certificates 6 Month
$1,000
0.20%
▼
Rate0.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
ValleyStar Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.99%
6 month Certificates (Business & Consumer)
$0
0.15%
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
6-month automatic saver CD
$500
0.01%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
567 James Madison Hwy, Culpeper, VA 22701
12-Month Savings Certificate Special
$500
4.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
This is a limited time offer and can end without notice.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
795 Nalles Mill Rd, Culpeper, VA 22701
1 year Standard Fixed Rate CD
$2,500
1.51%
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
717 James Madison Hwy, Culpeper, VA 22701
CDs and IRAs 1 Year
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
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 12, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
12 Month Share Builder & IRA Certificate Platinum
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
IRA Certificates - 12 month
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
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 12, 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 12, 2026
Details
Richmond Virginia Fire Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
Saving Certificates 1 YEAR Cd's
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Share certificate rates are for renewals only (i.e. no new certificates effective 03/18/20).
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 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 12, 2026
Details
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
12 month certificate
$50,000
3.65%
▼
Rate3.59%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
Wealth Center/Telephone Deposit Account CDs 12 Month
$1,000
3.60%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
12 Month Certificate
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
Regular Certificates 1 Year Term
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
12-Month Share Certificate
$100,000
3.40%
▼
Rate3.35%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
$100,000 Minimum to Earn APY
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 12, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
12 month Share Certificate
$100,000
3.31%
▼
Rate3.27%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Augusta County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
1 Year Share Certificate
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
All CD rates may change at any time without prior notice. After your CD is opened, the interest rate is fixed for the term. A penalty is imposed for early withdrawal. Fees could reduce earnings.
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
12-Month Certificates
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 2026
Details
Credit Union of Richmond
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
*12 Month Youth Special Share/IRA Certificate
$0
3.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
$1,000 minimum balance
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 12, 2026
Details
First National Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
1 Year Fixed IRA
$100
2.52%
▼
Rate2.50%
Min Deposit$100
Min Balance—
UpdatedApr 12, 2026
Details
NAE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
12 Month Share & IRA Certificates
$0
2.48%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Other Terms: 13, 15, & 16 Mo
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 12, 2026
Details
Bronco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.34%
12-Month Share Certificate
$0
2.20%
▼
Rate2.18%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
Appy Youth 12 Month Certificate
$0
2.05%
▼
Rate2.03%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
American Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
12 Month IRA and Share Certificates
$500
2.00%
▼
Rate1.98%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Connects Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
IRA Share Certificate 1 year
$0
1.97%
▼
Rate1.95%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
12-month Share Certificates
$0
1.91%
▼
Rate1.89%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Premier / Select Relationship
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.27%
12 Month Preferred Certificates
$0
1.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
1 Year - Certificate or IRA Certificate
$1,000
1.76%
▼
Rate1.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Northern Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
1-Year Certificates of Deposit (CDs)
$1,000
1.50%
▼
Rate1.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Minimum balance required is $1,000.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
12-month term Certificates (CDs)
$0
1.40%
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Freedom First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
12-Month Business Certificate
$0
0.85%
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Effective April 18, 2023
KEMBA ROANOKE
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
12 Month Share Certificates
$500
0.70%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 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
Rate0.55%
Min Deposit$100
Min Balance—
UpdatedApr 12, 2026
Details
Summit Hampton Roads Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
IRA/Share Certificates 12 Month
$1,000
0.40%
▼
Rate0.40%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
ValleyStar Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.99%
12 month Certificates (Business & Consumer)
$0
0.17%
▼
Rate0.17%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Newport News Municipal Emloyees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
Share Certificates & IRA Certificates 1 year
$0
0.05%
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
1-year convertible CD
$500
0.01%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Qualifying balance up to $49,000.00
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 12, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
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 12, 2026
Details
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 12, 2026
Details
Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
IRA Certificates - 18 month
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 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 12, 2026
Details
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
IRA Certificates 18 Month Term
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
18 month Share Certificate
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 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 12, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 2026
Details
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
18 month variable IRA
$100,000
2.70%
▼
Rate2.67%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 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 12, 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 12, 2026
Details
First National Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
18 Month Variable IRA
$100
2.32%
▼
Rate2.30%
Min Deposit$100
Min Balance—
UpdatedApr 12, 2026
Details
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
18-month Share Certificates
$0
1.91%
▼
Rate1.89%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Premier / Select Relationship
Rate1.79%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
$1,000 minimum balance
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 12, 2026
Details
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 12, 2026
Details
Relationship APY
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Certificate of Deposit 18-Month
$0
0.95%
▼
Rate0.95%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Bank of Botetourt
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
Certificate of Deposit 18-Month Special
$2,500
0.55%
▼
Rate0.55%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
717 James Madison Hwy, Culpeper, VA 22701
CDs and IRAs 2 Year
$0
1.15%
▼
Rate1.15%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Loudoun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
24-Month Roth IRA Certificates
$0
4.06%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
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 12, 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 12, 2026
Details
Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
IRA Certificates - 24 month
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
24 Month Certificate
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Jumbo Fixed Rate Share Certificates 24-month
$10,000
3.60%
▼
Rate3.55%
Min Deposit$10,000
Min Balance—
UpdatedApr 12, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
IRA Certificates 24 Month
$0
3.59%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
Wealth Center/Telephone Deposit Account CDs 24 Month
$1,000
3.55%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
IRA Certificates 2 Year Term
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
24-Month Share Certificate
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
$100,000 Minimum to Earn APY
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
24 month Share Certificate
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
24 Month Certificate
$50,000
3.35%
▼
Rate3.30%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 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 12, 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 12, 2026
Details
Regular Accounts
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
24 Month Term Certificates
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Minimum to Open $1,000.00
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 12, 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 12, 2026
Details
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
Savings and IRA 2 Year Certificate
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 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 12, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
All CD rates may change at any time without prior notice. After your CD is opened, the interest rate is fixed for the term. A penalty is imposed for early withdrawal. Fees could reduce earnings.
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
24-month term Certificates (CDs)
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 2026
Details
First National Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
2 Year Fixed IRA
$100
2.27%
▼
Rate2.25%
Min Deposit$100
Min Balance—
UpdatedApr 12, 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 12, 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 12, 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
2.06%
▼
Rate2.04%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Premier / Select Relationship
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 12, 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 12, 2026
Details
Northern Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
2-Year Certificates of Deposit (CDs)
$1,000
1.75%
▼
Rate1.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Minimum balance required is $1,000.
FNB Bank, Inc. Romney, WV
Institution Rating:
A5.0 ★Texas Ratio: 13.45%
24 MONTH CD
$1,000
1.25%
▼
Rate1.24%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Virginia Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
24 Month Share Certificate Account
$1,000
1.20%
▼
Rate1.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Rate1.09%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
$1,000 minimum balance
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Certificate of Deposit 24-Month
$0
0.95%
▼
Rate0.95%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Freedom First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
24-Month Business Certificate Tier 1
$0
0.90%
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
KEMBA ROANOKE
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
2 Year Share Certificates
$500
0.80%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Additional Deposits not allowed; Withdrawals allowed; Dividends compounded and credited monthly; Penalties may apply for early withdrawal; Refer to the Member Account Agreement for the Truth in Savings Disclosure related to these accounts.; Rates subject to change without notice. Minimum deposit required to earn dividends varies, please speak to a member representative for more information
Summit Hampton Roads Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
IRA/Share Certificates 24 Month
$1,000
0.60%
▼
Rate0.60%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
717 James Madison Hwy, Culpeper, VA 22701
CDs and IRAs 3 Year
$0
1.25%
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
36 month Share Certificate
$100,000
4.00%
▼
Rate3.94%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
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 12, 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 12, 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 12, 2026
Details
Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
IRA Certificates - 36 month
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Apple Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
Jumbo and Jumbo IRA Certificate 36 Month
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Jumbo Fixed Rate Share Certificates 36-month
$10,000
3.60%
▼
Rate3.55%
Min Deposit$10,000
Min Balance—
UpdatedApr 12, 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 12, 2026
Details
$100,000 Minimum to Earn APY
Richmond Virginia Fire Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
Saving Certificates 3 YEAR Cd's
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Share certificate rates are for renewals only (i.e. no new certificates effective 03/18/20).
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
IRA Certificates 36 Month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
IRA Certificates 3 Year Term
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
36 month certificate
$50,000
3.40%
▼
Rate3.35%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 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 12, 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 12, 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 12, 2026
Details
Regular Accounts
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 12, 2026
Details
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Promotional Certificate of Deposit 36-Month Bump Up
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Credit Union of Richmond
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
36 Month Share/IRA Certificate
$0
3.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
Savings and IRA 3 Year Certificate
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
36-month term Certificates (CDs)
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 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 12, 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 12, 2026
Details
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
3 Year - Certificate or IRA Certificate
$1,000
2.52%
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
All CD rates may change at any time without prior notice. After your CD is opened, the interest rate is fixed for the term. A penalty is imposed for early withdrawal. Fees could reduce earnings.
First National Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
3 Year Fixed IRA
$100
2.27%
▼
Rate2.25%
Min Deposit$100
Min Balance—
UpdatedApr 12, 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 12, 2026
Details
Rate2.13%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
$1,000 minimum balance
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 12, 2026
Details
Premier / Select Relationship
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 12, 2026
Details
Virginia Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
36 Month Share Certificate Account
$1,000
1.86%
▼
Rate1.85%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
The Blue Grass Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
36 Month Certificate of Deposit
$500
1.75%
▼
Rate1.74%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Freedom First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
36-Month Business Certificate
$500
1.00%
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
KEMBA ROANOKE
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3 Year Share Certificates
$500
0.90%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 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
Rate0.85%
Min Deposit$100
Min Balance—
UpdatedApr 12, 2026
Details
Summit Hampton Roads Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
IRA/Share Certificates 36 Month
$1,000
0.80%
▼
Rate0.80%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
ValleyStar Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.99%
36 month Certificates (Business & Consumer)
$0
0.40%
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
717 James Madison Hwy, Culpeper, VA 22701
CDs and IRAs 4 Year
$0
1.35%
▼
Rate1.35%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 2026
Details
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 12, 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 12, 2026
Details
Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
IRA Certificates - 48 month
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
4-year term
$500
3.61%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedApr 12, 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 12, 2026
Details
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
48 Month Certificate
$0
3.58%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
48-month Fixed Rate Share Certificates
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
IRA Certificates 4 Year Term
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
48 month certificate
$50,000
3.40%
▼
Rate3.35%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 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 12, 2026
Details
Credit Union of Richmond
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
48 Month Share/IRA Certificate
$0
3.29%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 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 12, 2026
Details
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
Savings and IRA 4 Year Certificate
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
48-month term Certificates (CDs)
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 2026
Details
Bronco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.34%
48-Month Share Certificate
$0
2.70%
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
FNB Bank, Inc. Romney, WV
Institution Rating:
A5.0 ★Texas Ratio: 13.45%
48 MONTH CD
$1,000
2.65%
▼
Rate2.62%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
4 Year - Certificate or IRA Certificate
$1,000
2.42%
▼
Rate2.40%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
First National Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
4 Year Fixed IRA
$100
2.27%
▼
Rate2.25%
Min Deposit$100
Min Balance—
UpdatedApr 12, 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 12, 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 12, 2026
Details
Premier / Select Relationship
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 12, 2026
Details
Freedom First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
48-Month Business Certificate
$500
1.05%
▼
Rate1.04%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Certificate of Deposit 48-Month
$0
1.01%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate1.00%
Min Deposit$100
Min Balance—
UpdatedApr 12, 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 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
717 James Madison Hwy, Culpeper, VA 22701
CDs and IRAs 5 Year
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 2026
Details
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 12, 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 12, 2026
Details
Apple Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
Jumbo and Jumbo IRA Certificate 60 Month
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
IRA Certificates - 60 month
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
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 12, 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 12, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Jumbo Fixed Rate Share Certificates 60-month
$10,000
3.60%
▼
Rate3.55%
Min Deposit$10,000
Min Balance—
UpdatedApr 12, 2026
Details
Credit Union of Richmond
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
60 Month Share/IRA Certificate
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
IRA Certificates 5 Year Term
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
60 month certificate
$5,000
3.41%
▼
Rate3.36%
Min Deposit$5,000
Min Balance—
UpdatedApr 12, 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 12, 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 12, 2026
Details
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 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
60-month term Certificates (CDs)
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
Savings and IRA 5 Year Certificate
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Bronco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.34%
60-Month Share Certificate
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 2026
Details
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
$1,000 minimum balance
Loudoun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
60-Month Roth IRA Certificates
$0
2.52%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
All CD rates may change at any time without prior notice. After your CD is opened, the interest rate is fixed for the term. A penalty is imposed for early withdrawal. Fees could reduce earnings.
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
5 Year - Certificate or IRA Certificate
$1,000
2.42%
▼
Rate2.40%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 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 12, 2026
Details
First National Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
5 Year Fixed IRA
$100
2.27%
▼
Rate2.25%
Min Deposit$100
Min Balance—
UpdatedApr 12, 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 12, 2026
Details
Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
60-month Share Certificates
$0
2.06%
▼
Rate2.04%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Premier / Select Relationship
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 12, 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 12, 2026
Details
Rate1.10%
Min Deposit$100
Min Balance—
UpdatedApr 12, 2026
Details
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Certificate of Deposit 60-Month
$0
1.01%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 2026
Details
Powered by
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.
Culpeper, VA CD Rate Trends
Compare local Culpeper, 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
2.349%
Unchanged vs 7 days ago
Virginia 12-month CD rates currently average 2.349% APY based on data from institutions in our monitoring network.
6-Month CD — VA Avg
2.325%
Unchanged vs 7 days ago
Virginia 6-month CD rates currently average 2.325% APY based on data from institutions in our monitoring network.
As of Apr 12, 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
2.349%
6-Month Forecast
2.349%
Range: 2.15% – 2.50%
12-Month Forecast
2.099%
Range: 1.90% – 2.25%
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 | 2.049% | $102.47 | $204.94 | $512.35 | $1,024.70 |
| 6-Month CD | 2.325% | $116.24 | $232.47 | $581.18 | $1,162.35 |
| 12-Month CD | 2.349% | $117.47 | $234.94 | $587.35 | $1,174.70 |
| 18-Month CD | 2.507% | $125.37 | $250.74 | $626.85 | $1,253.70 |
| 24-Month CD | 2.383% | $119.17 | $238.34 | $595.85 | $1,191.70 |
| 36-Month CD | 2.455% | $122.75 | $245.50 | $613.75 | $1,227.50 |
| 48-Month CD | 2.426% | $121.31 | $242.62 | $606.55 | $1,213.10 |
| 60-Month CD | 2.519% | $125.97 | $251.93 | $629.83 | $1,259.65 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 12, 2026. | |||||
Sample CD Ladder for Culpeper, 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 | 2.049% | $102.47 |
| 2 | 6-Month CD | $5,000 | 2.325% | $116.24 |
| 3 | 12-Month CD | $5,000 | 2.349% | $117.47 |
| 4 | 24-Month CD | $5,000 | 2.383% | $119.17 |
| 5 | 36-Month CD | $5,000 | 2.455% | $122.75 |
| Total ($25,000 invested) | $25,000 | 2.312% blended | $578.10/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.
67
Institutions
in Culpeper, Virginia
in Culpeper, Virginia
19 Banks
48 Credit Unions
About Our Culpeper, Virginia CD Rate Database
MonitorBankRates tracks CD rates from 19 banks and 48 credit unions with locations in Culpeper, 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: Partners 1st Federal Credit Union offers a CD at 4.00% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Culpeper, Virginia.
How to Find the Best CD Rates in Culpeper, Virginia
What to compare when shopping for a CD in Culpeper, Virginia
To find the best APYs in Culpeper, Virginia, start with credit unions and online-only banks — Culpeper, Virginia has 48 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 Culpeper, 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 Culpeper, Virginia — 67 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Culpeper, Virginia savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Culpeper, Virginia money market rates
Culpeper, Virginia Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
11.1%
National avg: 17.3%
Median Individual Earnings
$46,038
National avg: $47,340
Poverty Rate
12.8%
National avg: 11.1%
Unemployment Rate
2.3%
National avg: 4.8%
CD Earnings on 10% of Salary
$108/yr
At VA 12-mo avg 2.349% APY
11.1% of residents are 65 or older — below the national average of 17.3%; a low unemployment rate of 2.3% reflects a strong local economy. At today’s VA 12-month CD average of 2.349%, saving 10% of the local median salary ($4,603/year) and putting it in a CD would earn an additional $108 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 Culpeper, 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 Culpeper, Virginia
Are CD rates in Culpeper, Virginia FDIC insured?
Yes, most established banks in Culpeper, 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 Culpeper, 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 Culpeper, 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 Culpeper, 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 Culpeper, Virginia?
Here are recent top rates found for this area:
- Partners 1st Federal Credit Union: 4.00% APY (12-Month Savings Certificate Special)
- Atlantic Union Bank: 3.80% APY (3 Month CD and IRA Specials)
- Oak View National Bank: 3.50% APY (6 month CD)
- Blue Ridge Bank National Association: 1.60% APY (Consumer Certificates of Deposit 6 Month)
- Wells Fargo: 1.51% APY (1 year Standard Fixed Rate CD)
- Apple Federal Credit Union: 4.50% APY (12-Month Starter Certificate)
- Autotruck Financial Credit Union: 4.06% APY (Share Certificate Accounts 6 Month)
- Loudoun Credit Union: 4.06% APY (24-Month Roth IRA Certificates)
- Justice Federal Credit Union: 4.00% APY (36 month Share Certificate)
- Vantage Point Federal Credit Union: 3.97% APY (Share & IRA Share Certificate (60 month term))
Rates reflect recent verified offers available in Culpeper, Virginia. Last Updated: April 12, 2026
CD Calculators for Culpeper, Virginia
Culpeper, 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.
Culpeper, Virginia CD LadderVA CD rates currently range from 2.049% (3-month) to 2.455% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Culpeper, Virginia CD at 4.00% 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 2.349% 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 Culpeper, 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 Culpeper, 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 12, 2026
Rate Assistant
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