Lynchburg, Virginia CD Rates Today - Compare Best APYs for June 2026
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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 Lynchburg, Virginia CD rates include Beacon Credit Union IncorporatedBeacon Credit Union Incorporated6320 Logans Ln, Lynchburg, VA 24502A+5.0 ★Texas Ratio: 1.82%Real return: +1.45%APY minus CPI (February 2026) offering Limited Time Special - 6 Months at 4.25% APY, Blue Eagle Credit UnionBlue Eagle Credit Union1210 Greenview Dr, Lynchburg, VA 24502A+5.0 ★Texas Ratio: 0.28%Real return: +1.20%APY minus CPI (February 2026) offering Regular Certificates 3 Year Term at 4.00% APY, Member One Federal Credit UnionMember One Federal Credit Union7114 Timberlake Rd, Lynchburg, VA 24502 2335A+5.0 ★Texas Ratio: 4.86%Real return: +1.15%APY minus CPI (February 2026) offering 12 month IRA at 3.95% APY, National Bank of BlacksburgNational Bank of Blacksburg20479 Timberlake Rd, Lynchburg, VA 24502A+5.0 ★Texas Ratio: 3.36%Real return: +0.63%APY minus CPI (February 2026) offering Certificate of Deposit (CD) Specials 6 Months at 3.43% APY, and General Electric Employees Federal Credit UnionGeneral Electric Employees Federal Credit Union2300 Wards Rd Ste E, Lynchburg, VA 24502A5.0 ★Texas Ratio: 7.96%Real return: +0.55%APY minus CPI (February 2026) offering 1 Year Certificate at 3.35% APY. CD rates as of June 1, 2026 according to verified data from MonitorBankRates.
Lynchburg has 156 local institutions in our database, with CD rates as high as 4.25% APY from Beacon Credit Union Incorporated at 6320 Logans Ln, Lynchburg, VA 24502. 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: June 1, 2026
Compare Best CD Rates in Lynchburg, Virginia & the Surrounding Area
Lynchburg 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
2300 Wards Rd Ste E, Lynchburg, VA 24502
3 Month Certificate
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
2300 Wards Rd Ste E, Lynchburg, VA 24502
IRA 3 Month Certificate
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
National Bank of Blacksburg
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
20479 Timberlake Rd, Lynchburg, VA 24502
90 days Certificates of Deposit (CDs)
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Beacon Credit Union Incorporated
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
6320 Logans Ln, Lynchburg, VA 24502
Business Share Certificates 3 Months
$500
0.05%
▼
Rate0.05%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
For all business share certificates, the early withdrawal penalty is 30 days of dividend whether earned or not. Dividends Compounded: Monthly
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
3 Month Share and IRA Certificate
$0
4.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
3 Month Share Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
*APY: Annual Percentage Yield
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
3 Month Term Certificates
$1,000
3.75%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Minimum to Open $1,000.00
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
Share Certificates 3 Month
$1,000
3.75%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Term Certificates (Minimum to Open $1,000.00)
EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
3 Months Certificates of Deposit
$1,000
3.65%
▼
Rate3.58%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
3-Month Share Certificate
$100,000
3.60%
▼
Rate3.54%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
3 Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
3-Month Share Certificate
$100
3.00%
▼
Rate3.00%
Min Deposit$100
Min Balance—
UpdatedMay 22, 2026
Details
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
Jumbo - 90 Day Certificate
$100,000
2.90%
▼
Rate2.85%
Min Deposit$100,000
Min Balance—
UpdatedMay 29, 2026
Details
University of Virginia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
3-Months
$500
2.25%
▼
Rate2.23%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Rate1.49%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
Share Certificate Accounts 3 Month
$0
1.26%
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Regular Accounts
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
3 months
$0
1.26%
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
$100,000 -$199,999
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.55%
3 months less than
$0
1.21%
▼
Rate1.20%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
$99,999
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
Traditional IRA and Roth IRA Certificate 3 month
$100,000
1.12%
▼
Rate1.11%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
Special Certificate 3 month
$500
1.02%
▼
Rate1.01%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
Traditional and Roth IRA 3 month
$500
1.02%
▼
Rate1.01%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 21, 2026
Details
Relationship APY
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.72%
Certificate IRAs 3 Months
$0
0.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.72%
Short-Term 3 Months Certificate
$0
0.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Benchmark Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
Regular Time Deposits & IRAs* 3 Months
$0
0.85%
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Premium
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—
UpdatedMay 21, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
3-month term Standard CDs
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Benchmark Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
Regular Time Deposits & IRAs* 3 Months
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMay 21, 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—
UpdatedMay 29, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
3-month term Regular CDs
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
$1,000 minimum balance
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—
UpdatedMay 17, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 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.
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
3 months
$0
0.10%
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.13%
IRA Certificates 3 months
$1,000
0.05%
▼
Rate0.05%
Min Deposit$1,000
Min Balance—
UpdatedMay 22, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
3 Months Share Certificate
$500
0.02%
▼
Rate0.02%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Business Share Certificates 3 Months
$500
0.02%
▼
Rate0.02%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Lynchburg 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Beacon Credit Union Incorporated
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
6320 Logans Ln, Lynchburg, VA 24502
Limited Time Special - 6 Months
$2,500
4.25%
▼
Rate4.17%
Min Deposit$2,500
Min Balance—
UpdatedMay 23, 2026
Details
Beacon's promotional certificate rate is only valid on new money only. For 6 months promotional share certificates, the early withdrawal penalty is 90 days of dividend whether earned or not.
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
1210 Greenview Dr, Lynchburg, VA 24502
Regular Certificates 6 month Term
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
National Bank of Blacksburg
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
20479 Timberlake Rd, Lynchburg, VA 24502
Certificate of Deposit (CD) Specials 6 Months
$0
3.43%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
First National Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
14580 Wards Rd, Lynchburg, VA 24502
6 Month CD
$500
3.02%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
7114 Timberlake Rd, Lynchburg, VA 24502 2335
6 month certificate
$100,000
2.35%
▼
Rate2.33%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
7114 Timberlake Rd, Lynchburg, VA 24502 2335
6 month certificate
$50,000
2.25%
▼
Rate2.23%
Min Deposit$50,000
Min Balance—
UpdatedMay 22, 2026
Details
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
7114 Timberlake Rd, Lynchburg, VA 24502 2335
6 month certificate
$500
2.15%
▼
Rate2.13%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
2300 Wards Rd Ste E, Lynchburg, VA 24502
6 Month Certificate
$0
2.00%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
2300 Wards Rd Ste E, Lynchburg, VA 24502
IRA 6 Month Certificate
$0
2.00%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.87%
1638 Mount Athos Rd, Lynchburg, VA 24504 5429
6 Month Preferred Certificates
$0
1.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.87%
1638 Mount Athos Rd, Lynchburg, VA 24504 5429
6 Month Certificates
$0
1.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
National Bank of Blacksburg
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
20479 Timberlake Rd, Lynchburg, VA 24502
6 months Certificates of Deposit (CDs)
$0
0.75%
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
KEMBA ROANOKE
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
6001 FORT AVE, LYNCHBURG, VA 24502
6 Month Share Certificates
$500
0.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 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
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.87%
1638 Mount Athos Rd, Lynchburg, VA 24504 5429
6 Month Preferred Certificates
$0
0.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.87%
1638 Mount Athos Rd, Lynchburg, VA 24504 5429
6 Month Certificates
$0
0.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Beacon Credit Union Incorporated
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
6320 Logans Ln, Lynchburg, VA 24502
Business Share Certificates 6 Months
$500
0.10%
▼
Rate0.10%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
For all business share certificates, the early withdrawal penalty is 30 days of dividend whether earned or not. Dividends Compounded: Monthly
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
3021 Old Forest Rd, Lynchburg, VA 24501
6 months
$500
0.01%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
6 Month Share and IRA Certificate
$0
4.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
6 Months IRA Certificate
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
6 months Share Certificate
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
IRA 6 Months
$0
4.07%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
As High As
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
Share Certificate Accounts 6 Month
$0
4.06%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Regular Accounts
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
6 Months Certificates of Deposit
$1,000
3.95%
▼
Rate3.87%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
6 months Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.73%
6 months Term Shares Certificate
$0
3.89%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
6 Months Share Certificate
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Business Share Certificates 6 Months
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
6 months Share Certificate
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
6 Month
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 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—
UpdatedMay 29, 2026
Details
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
6 Month Share & IRA Certificate Platinum
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
6 Month Bonus Certificates
$40,000
3.60%
▼
Rate3.55%
Min Deposit$40,000
Min Balance—
UpdatedMay 30, 2026
Details
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
6 Month Share & IRA Certificate
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
IRA Certificates - Minimum 6 month
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Balance $1,000
Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
Share Certificates - Minimum 6 month
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Balance $1,500
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
6 Month Certificate of Deposit (IRA)
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
Member Merits (Gold1) 6 Month Certificate of Deposit
$0
3.55%
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
6 Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
6 Month Share Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
*APY: Annual Percentage Yield
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
Share Certificates 6 Month
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Term Certificates (Minimum to Open $1,000.00)
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
IRA Certificates 6 Month
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 29, 2026
Details
Minimum to Open $500.00
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
6 Month Term Certificates
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Minimum to Open $1,000.00
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
6 Month Certificates
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
6 Month Certificate
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 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—
UpdatedMay 23, 2026
Details
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
Wealth Center/Telephone Deposit 6 Month CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Only available to existing Premier customers.
Lynchburg 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
1210 Greenview Dr, Lynchburg, VA 24502
IRA Certificates 1 Year Term
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
1210 Greenview Dr, Lynchburg, VA 24502
Regular Certificates 1 Year Term
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
7114 Timberlake Rd, Lynchburg, VA 24502 2335
12 month certificate
$100,000
3.95%
▼
Rate3.88%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
7114 Timberlake Rd, Lynchburg, VA 24502 2335
12 month IRA
$100,000
3.95%
▼
Rate3.88%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
7114 Timberlake Rd, Lynchburg, VA 24502 2335
12 month certificate
$50,000
3.85%
▼
Rate3.78%
Min Deposit$50,000
Min Balance—
UpdatedMay 22, 2026
Details
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
7114 Timberlake Rd, Lynchburg, VA 24502 2335
12 month IRA
$50,000
3.85%
▼
Rate3.78%
Min Deposit$50,000
Min Balance—
UpdatedMay 22, 2026
Details
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
7114 Timberlake Rd, Lynchburg, VA 24502 2335
12 month certificate
$5,000
3.76%
▼
Rate3.70%
Min Deposit$5,000
Min Balance—
UpdatedMay 22, 2026
Details
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
7114 Timberlake Rd, Lynchburg, VA 24502 2335
12 month IRA
$5,000
3.76%
▼
Rate3.70%
Min Deposit$5,000
Min Balance—
UpdatedMay 22, 2026
Details
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
7114 Timberlake Rd, Lynchburg, VA 24502 2335
12 month certificate
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
7114 Timberlake Rd, Lynchburg, VA 24502 2335
12 month IRA
$100
3.75%
▼
Rate3.70%
Min Deposit$100
Min Balance—
UpdatedMay 22, 2026
Details
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
2300 Wards Rd Ste E, Lynchburg, VA 24502
1 Year Certificate
$0
3.35%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
2300 Wards Rd Ste E, Lynchburg, VA 24502
IRA 1 Year Certificate
$0
3.35%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
National Bank of Blacksburg
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
20479 Timberlake Rd, Lynchburg, VA 24502
IRA's - Traditional & Roth 12 months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
National Bank of Blacksburg
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
20479 Timberlake Rd, Lynchburg, VA 24502
Certificate of Deposit (CD) Specials 12 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Beacon Credit Union Incorporated
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
6320 Logans Ln, Lynchburg, VA 24502
12 Months
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
First National Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
14580 Wards Rd, Lynchburg, VA 24502
1 Year
$500
2.52%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
First National Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
14580 Wards Rd, Lynchburg, VA 24502
IRA 1 Year Fixed
$100
2.52%
▼
Rate2.50%
Min Deposit$100
Min Balance—
UpdatedMay 21, 2026
Details
First National Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
14580 Wards Rd, Lynchburg, VA 24502
IRA 12 Month Variable
$100
2.52%
▼
Rate2.50%
Min Deposit$100
Min Balance—
UpdatedMay 21, 2026
Details
First National Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
14580 Wards Rd, Lynchburg, VA 24502
Roth IRA 1 Year Fixed
$100
2.52%
▼
Rate2.50%
Min Deposit$100
Min Balance—
UpdatedMay 21, 2026
Details
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.87%
1638 Mount Athos Rd, Lynchburg, VA 24504 5429
12 Month Preferred Certificates
$0
1.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.87%
1638 Mount Athos Rd, Lynchburg, VA 24504 5429
12 Month Certificates
$0
1.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Beacon Credit Union Incorporated
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
6320 Logans Ln, Lynchburg, VA 24502
12 Month Bump
$500
1.65%
▼
Rate1.64%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
First National Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
14580 Wards Rd, Lynchburg, VA 24502
1 Year No Penalty
$500
1.51%
▼
Rate1.50%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
National Bank of Blacksburg
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
20479 Timberlake Rd, Lynchburg, VA 24502
12 months Certificates of Deposit (CDs)
$0
1.16%
▼
Rate1.15%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
National Bank of Blacksburg
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
20479 Timberlake Rd, Lynchburg, VA 24502
IRA's - Traditional & Roth 12 months
$0
1.16%
▼
Rate1.15%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
KEMBA ROANOKE
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
6001 FORT AVE, LYNCHBURG, VA 24502
12 Month Share Certificates
$500
0.70%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 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
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.87%
1638 Mount Athos Rd, Lynchburg, VA 24504 5429
12 Month Preferred Certificates
$0
0.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.87%
1638 Mount Athos Rd, Lynchburg, VA 24504 5429
12 Month Certificates
$0
0.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
3021 Old Forest Rd, Lynchburg, VA 24501
1-year convertible CD
$500
0.01%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Qualifying balance up to $49,000.00
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
3021 Old Forest Rd, Lynchburg, VA 24501
12 months
$500
0.01%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
1 Year EZ Save Certificate
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
12 Month Share and IRA Certificate
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
12 months
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
12 Months Certificates of Deposit
$1,000
3.95%
▼
Rate3.87%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
PWC Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
IRA Certificate 12 mos term
$0
3.95%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
PWC Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
12 mos term Share Certificates
$500
3.95%
▼
Rate3.90%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
12 months Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
12 months Early Savers Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
IRA Certificates - Minimum 12 month
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Balance $1,000
Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
Share Certificates - Minimum 12 month
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Balance $1,500
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
Share Certificate Accounts 12 Month
$0
3.85%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Regular Accounts
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
12 months Add-On Share Certificate
$0
3.85%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
12 Month Bonus Certificates
$40,000
3.84%
▼
Rate3.78%
Min Deposit$40,000
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
12-Month Bonus Certificate
$0
3.84%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 12 Month
$0
3.84%
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
12 Months Share Certificate
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Business Share Certificates 12 Months
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Lynchburg 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
1210 Greenview Dr, Lynchburg, VA 24502
IRA Certificates 18 Month Term
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
1210 Greenview Dr, Lynchburg, VA 24502
Regular Certificates 18 Month Term
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
7114 Timberlake Rd, Lynchburg, VA 24502 2335
18 month variable IRA
$100,000
2.70%
▼
Rate2.67%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
7114 Timberlake Rd, Lynchburg, VA 24502 2335
18 month variable IRA
$50,000
2.60%
▼
Rate2.57%
Min Deposit$50,000
Min Balance—
UpdatedMay 22, 2026
Details
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
7114 Timberlake Rd, Lynchburg, VA 24502 2335
18 month variable IRA
$5,000
2.51%
▼
Rate2.48%
Min Deposit$5,000
Min Balance—
UpdatedMay 22, 2026
Details
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
7114 Timberlake Rd, Lynchburg, VA 24502 2335
18 month variable IRA
$500
2.50%
▼
Rate2.48%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
First National Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
14580 Wards Rd, Lynchburg, VA 24502
18 Month 1st Choice Club
$500
2.37%
▼
Rate2.35%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
First National Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
14580 Wards Rd, Lynchburg, VA 24502
18 Month
$500
2.32%
▼
Rate2.30%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
First National Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
14580 Wards Rd, Lynchburg, VA 24502
Educational IRA 18 Month
$100
2.32%
▼
Rate2.30%
Min Deposit$100
Min Balance—
UpdatedMay 21, 2026
Details
First National Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
14580 Wards Rd, Lynchburg, VA 24502
IRA 18 Month Variable
$100
2.32%
▼
Rate2.30%
Min Deposit$100
Min Balance—
UpdatedMay 21, 2026
Details
First National Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
14580 Wards Rd, Lynchburg, VA 24502
Roth IRA 18 Month Variable
$100
2.32%
▼
Rate2.30%
Min Deposit$100
Min Balance—
UpdatedMay 21, 2026
Details
National Bank of Blacksburg
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
20479 Timberlake Rd, Lynchburg, VA 24502
IRA's - Traditional & Roth 18 months
$0
2.22%
▼
Rate2.20%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
National Bank of Blacksburg
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
20479 Timberlake Rd, Lynchburg, VA 24502
18 months Certificates of Deposit (CDs)
$0
2.07%
▼
Rate2.05%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
National Bank of Blacksburg
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
20479 Timberlake Rd, Lynchburg, VA 24502
IRA's - Traditional & Roth 18 months
$0
2.07%
▼
Rate2.05%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
3021 Old Forest Rd, Lynchburg, VA 24501
18 months
$500
0.02%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
18-Month Certificates
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
IRA Certificate Term 18-Month Variable
$100,000
3.89%
▼
Rate3.82%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
18 Months Certificates of Deposit
$1,000
3.80%
▼
Rate3.73%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
18 Months IRA Certificates
$0
3.77%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Corporate America Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
18-Month Share Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 2026
Details
New money only; Alero Financial membership required
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
18 Months Share Certificate
$500
3.67%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Business Share Certificates 18 Months
$500
3.67%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
Variable-Rate 18-month term
$50
3.66%
▼
Rate3.60%
Min Deposit$50
Min Balance—
UpdatedMay 17, 2026
Details
Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
IRA Certificates - Minimum 18 month
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Balance $1,000
Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
Share Certificates - Minimum 18 month
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Balance $1,500
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
IRA Variable-Rate Certificate 18-month term
$50
3.66%
▼
Rate3.60%
Min Deposit$50
Min Balance—
UpdatedMay 17, 2026
Details
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
18 months Share Certificates
$500
3.65%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Democracy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
18 Month Certificate
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
18 Month Share & IRA Certificate Platinum
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
PWC Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
18 mos term Share Certificates
$500
3.64%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
PWC Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
IRA Certificate 18 mos term
$0
3.64%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.14%
18 Months
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
18 Month Share and IRA Certificate
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
18 Month Share & IRA Certificate
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Homebase Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.95%
Share Certificate / IRA Certificate 18 Month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
Share Certificate Accounts 18 Month
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Regular Accounts
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
18-Month Share Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.72%
Certificate IRAs 18 Months
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.72%
Long-Term 18 Months Certificate
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
18 Month Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
Traditional IRA and Roth IRA Certificate 18 month
$100,000
3.41%
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
18-Month Share Certificate
$0
3.40%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
Special Certificate 18 month
$500
3.31%
▼
Rate3.27%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
Traditional and Roth IRA 18 month
$500
3.31%
▼
Rate3.27%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
18 Month Certificate of Deposit (IRA)
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.30%
Member Merits (Gold1) 18 Month Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Lynchburg 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
1210 Greenview Dr, Lynchburg, VA 24502
IRA Certificates 2 Year Term
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
1210 Greenview Dr, Lynchburg, VA 24502
Regular Certificates 2 Year Term
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
7114 Timberlake Rd, Lynchburg, VA 24502 2335
24 Month Certificate
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
7114 Timberlake Rd, Lynchburg, VA 24502 2335
24 month IRA
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
7114 Timberlake Rd, Lynchburg, VA 24502 2335
24 Month Certificate
$50,000
3.35%
▼
Rate3.30%
Min Deposit$50,000
Min Balance—
UpdatedMay 22, 2026
Details
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
7114 Timberlake Rd, Lynchburg, VA 24502 2335
24 month IRA
$50,000
3.35%
▼
Rate3.30%
Min Deposit$50,000
Min Balance—
UpdatedMay 22, 2026
Details
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
7114 Timberlake Rd, Lynchburg, VA 24502 2335
24 Month Certificate
$5,000
3.26%
▼
Rate3.21%
Min Deposit$5,000
Min Balance—
UpdatedMay 22, 2026
Details
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
7114 Timberlake Rd, Lynchburg, VA 24502 2335
24 month IRA
$5,000
3.26%
▼
Rate3.21%
Min Deposit$5,000
Min Balance—
UpdatedMay 22, 2026
Details
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
7114 Timberlake Rd, Lynchburg, VA 24502 2335
24 Month Certificate
$500
3.25%
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
7114 Timberlake Rd, Lynchburg, VA 24502 2335
24 month IRA
$100
3.25%
▼
Rate3.21%
Min Deposit$100
Min Balance—
UpdatedMay 22, 2026
Details
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
2300 Wards Rd Ste E, Lynchburg, VA 24502
2 Year Certificate
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
2300 Wards Rd Ste E, Lynchburg, VA 24502
IRA 2 Year Certificate
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
National Bank of Blacksburg
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
20479 Timberlake Rd, Lynchburg, VA 24502
IRA's - Traditional & Roth 24 months
$0
2.28%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
First National Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
14580 Wards Rd, Lynchburg, VA 24502
IRA 2 Year Fixed
$100
2.27%
▼
Rate2.25%
Min Deposit$100
Min Balance—
UpdatedMay 21, 2026
Details
First National Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
14580 Wards Rd, Lynchburg, VA 24502
2 Year
$500
2.27%
▼
Rate2.25%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
First National Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
14580 Wards Rd, Lynchburg, VA 24502
2 1/2 Year
$500
2.27%
▼
Rate2.25%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Beacon Credit Union Incorporated
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
6320 Logans Ln, Lynchburg, VA 24502
24 Months
$500
2.25%
▼
Rate2.23%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
National Bank of Blacksburg
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
20479 Timberlake Rd, Lynchburg, VA 24502
24 months Certificates of Deposit (CDs)
$0
2.17%
▼
Rate2.15%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
National Bank of Blacksburg
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
20479 Timberlake Rd, Lynchburg, VA 24502
IRA's - Traditional & Roth 24 months
$0
2.17%
▼
Rate2.15%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.87%
1638 Mount Athos Rd, Lynchburg, VA 24504 5429
24 Month Preferred Certificates
$0
1.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.87%
1638 Mount Athos Rd, Lynchburg, VA 24504 5429
24 Month Certificates
$0
1.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
KEMBA ROANOKE
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
6001 FORT AVE, LYNCHBURG, VA 24502
2 Year Share Certificates
$500
0.80%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 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
KEMBA ROANOKE
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
6001 FORT AVE, LYNCHBURG, VA 24502
IRA Certificates 2 Year
$2,000
0.80%
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedMay 20, 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
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.87%
1638 Mount Athos Rd, Lynchburg, VA 24504 5429
24 Month Preferred Certificates
$0
0.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.87%
1638 Mount Athos Rd, Lynchburg, VA 24504 5429
24 Month Certificates
$0
0.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
3021 Old Forest Rd, Lynchburg, VA 24501
2 years
$500
0.05%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
24 months Share Certificate
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
24 months
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
24 Months IRA Certificate
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
24 months Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
24 months Bump Rate Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
24 Month Share and IRA Certificate
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
24 months Share Certificate
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
Investment Certificate 1 to 2 Years Jumbo
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Early Withdrawal Penalty: 90 Days' Dividends
Loudoun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
24-Month Roth IRA Certificates
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Loudoun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
24-Month Traditional IRA Certificates
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
24 Months IRA Certificates
$0
3.77%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
24 Months Certificates of Deposit
$1,000
3.75%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 24 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
24 Month Bonus Certificates
$40,000
3.75%
▼
Rate3.69%
Min Deposit$40,000
Min Balance—
UpdatedMay 30, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
Jumbo Traditional, Educational, and Roth IRA Share Certificates 24-month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
Jumbo Fixed Rate Share Certificates 24-month
$10,000
3.75%
▼
Rate3.70%
Min Deposit$10,000
Min Balance—
UpdatedMay 21, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
Investment Certificate 1 to 2 Years
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Early Withdrawal Penalty: 90 Days' Dividends
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
2-year term
$500
3.71%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
2-year term Fixed-Rate Certificates
$500
3.71%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
Fixed-Rate Jumbo 2-year term
$100,000
3.71%
▼
Rate3.65%
Min Deposit$100,000
Min Balance—
UpdatedMay 17, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
IRA Fixed-Rate Certificate 2-year term
$500
3.71%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
Jumbo - 2 Year Certificate
$100,000
3.70%
▼
Rate3.63%
Min Deposit$100,000
Min Balance—
UpdatedMay 29, 2026
Details
Lynchburg 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
1210 Greenview Dr, Lynchburg, VA 24502
IRA Certificates 3 Year Term
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
1210 Greenview Dr, Lynchburg, VA 24502
Regular Certificates 3 Year Term
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
7114 Timberlake Rd, Lynchburg, VA 24502 2335
36 month certificate
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
7114 Timberlake Rd, Lynchburg, VA 24502 2335
36 month IRA
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
7114 Timberlake Rd, Lynchburg, VA 24502 2335
36 month certificate
$50,000
3.40%
▼
Rate3.35%
Min Deposit$50,000
Min Balance—
UpdatedMay 22, 2026
Details
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
7114 Timberlake Rd, Lynchburg, VA 24502 2335
36 month IRA
$50,000
3.40%
▼
Rate3.35%
Min Deposit$50,000
Min Balance—
UpdatedMay 22, 2026
Details
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
7114 Timberlake Rd, Lynchburg, VA 24502 2335
36 month certificate
$5,000
3.31%
▼
Rate3.26%
Min Deposit$5,000
Min Balance—
UpdatedMay 22, 2026
Details
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
7114 Timberlake Rd, Lynchburg, VA 24502 2335
36 month IRA
$5,000
3.31%
▼
Rate3.26%
Min Deposit$5,000
Min Balance—
UpdatedMay 22, 2026
Details
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
7114 Timberlake Rd, Lynchburg, VA 24502 2335
36 month certificate
$500
3.30%
▼
Rate3.26%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
7114 Timberlake Rd, Lynchburg, VA 24502 2335
36 month IRA
$100
3.30%
▼
Rate3.26%
Min Deposit$100
Min Balance—
UpdatedMay 22, 2026
Details
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
2300 Wards Rd Ste E, Lynchburg, VA 24502
3 Year Certificate
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
2300 Wards Rd Ste E, Lynchburg, VA 24502
IRA 3 Year Certificate
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
National Bank of Blacksburg
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
20479 Timberlake Rd, Lynchburg, VA 24502
36 months Certificates of Deposit (CDs)
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
National Bank of Blacksburg
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
20479 Timberlake Rd, Lynchburg, VA 24502
IRA's - Traditional & Roth 36 months
$0
2.43%
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
First National Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
14580 Wards Rd, Lynchburg, VA 24502
3 Year
$500
2.27%
▼
Rate2.25%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
First National Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
14580 Wards Rd, Lynchburg, VA 24502
IRA 3 Year Fixed
$100
2.27%
▼
Rate2.25%
Min Deposit$100
Min Balance—
UpdatedMay 21, 2026
Details
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.87%
1638 Mount Athos Rd, Lynchburg, VA 24504 5429
36 Month Preferred Certificates
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Beacon Credit Union Incorporated
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
6320 Logans Ln, Lynchburg, VA 24502
36 Months
$500
2.00%
▼
Rate1.98%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.87%
1638 Mount Athos Rd, Lynchburg, VA 24504 5429
36 Month Certificates
$0
1.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
KEMBA ROANOKE
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
6001 FORT AVE, LYNCHBURG, VA 24502
3 Year Share Certificates
$500
0.90%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 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
KEMBA ROANOKE
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
6001 FORT AVE, LYNCHBURG, VA 24502
IRA Certificates 3 Year
$2,000
0.90%
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedMay 20, 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
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.87%
1638 Mount Athos Rd, Lynchburg, VA 24504 5429
36 Month Preferred Certificates
$0
0.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.87%
1638 Mount Athos Rd, Lynchburg, VA 24504 5429
36 Month Certificates
$0
0.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
3021 Old Forest Rd, Lynchburg, VA 24501
3 years
$500
0.05%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
36 Months IRA Certificate
$0
4.59%
▼
Rate4.50%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
36 months Share Certificate
$0
4.59%
▼
Rate4.50%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
36 months Share Certificate
$0
4.33%
▼
Rate4.25%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
36 months Share Certificate
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
Traditional IRA and Roth IRA Certificate 36 month
$100,000
4.00%
▼
Rate3.94%
Min Deposit$100,000
Min Balance—
UpdatedMay 21, 2026
Details
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
36 months Bump Rate Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
Special Certificate 36 month
$500
3.90%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.56%
Traditional and Roth IRA 36 month
$500
3.90%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
36 months Share Certificate
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
Share Certificates 36 Months
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
As High As
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
36 months Share Certificate
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
36 Months Share Certificate
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Business Share Certificates 36 Months
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
36 Months IRA Certificates
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
3-year Certificate
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
Investment Certificate 2 to 3 Years Jumbo
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Early Withdrawal Penalty: 180 Days' Dividends
Loudoun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
36-Month Traditional IRA Certificates
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
IRA Certificate Term 36-Month Variable
$100,000
3.79%
▼
Rate3.73%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
$100,000 Minimum to Earn APY
Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
Share & IRA Share Certificates (36 month term)
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
Investment Certificate 2 to 3 Years
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Early Withdrawal Penalty: 180 Days' Dividends
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
Jumbo Fixed Rate Share Certificates 36-month
$10,000
3.75%
▼
Rate3.70%
Min Deposit$10,000
Min Balance—
UpdatedMay 21, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
Jumbo Traditional, Educational, and Roth IRA Share Certificates 36-month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
36 Months Certificates of Deposit
$1,000
3.75%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 36 Month
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
36 Month Bonus Certificates
$40,000
3.71%
▼
Rate3.65%
Min Deposit$40,000
Min Balance—
UpdatedMay 30, 2026
Details
Lynchburg 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
1210 Greenview Dr, Lynchburg, VA 24502
IRA Certificates 4 Year Term
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
1210 Greenview Dr, Lynchburg, VA 24502
Regular Certificates 4 Year Term
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
7114 Timberlake Rd, Lynchburg, VA 24502 2335
48 month certificate
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
7114 Timberlake Rd, Lynchburg, VA 24502 2335
48 month IRA
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
7114 Timberlake Rd, Lynchburg, VA 24502 2335
48 month certificate
$50,000
3.40%
▼
Rate3.35%
Min Deposit$50,000
Min Balance—
UpdatedMay 22, 2026
Details
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
7114 Timberlake Rd, Lynchburg, VA 24502 2335
48 month IRA
$50,000
3.40%
▼
Rate3.35%
Min Deposit$50,000
Min Balance—
UpdatedMay 22, 2026
Details
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
7114 Timberlake Rd, Lynchburg, VA 24502 2335
48 month certificate
$5,000
3.31%
▼
Rate3.26%
Min Deposit$5,000
Min Balance—
UpdatedMay 22, 2026
Details
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
7114 Timberlake Rd, Lynchburg, VA 24502 2335
48 month IRA
$5,000
3.31%
▼
Rate3.26%
Min Deposit$5,000
Min Balance—
UpdatedMay 22, 2026
Details
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
7114 Timberlake Rd, Lynchburg, VA 24502 2335
48 month certificate
$500
3.30%
▼
Rate3.26%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
7114 Timberlake Rd, Lynchburg, VA 24502 2335
48 month IRA
$100
3.30%
▼
Rate3.26%
Min Deposit$100
Min Balance—
UpdatedMay 22, 2026
Details
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
2300 Wards Rd Ste E, Lynchburg, VA 24502
4 Year Certificate
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
2300 Wards Rd Ste E, Lynchburg, VA 24502
IRA 4 Year Certificate
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
National Bank of Blacksburg
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
20479 Timberlake Rd, Lynchburg, VA 24502
48 months Certificates of Deposit (CDs)
$0
2.63%
▼
Rate2.60%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
First National Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
14580 Wards Rd, Lynchburg, VA 24502
4 Year
$500
2.27%
▼
Rate2.25%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
First National Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
14580 Wards Rd, Lynchburg, VA 24502
IRA 4 Year Fixed
$100
2.27%
▼
Rate2.25%
Min Deposit$100
Min Balance—
UpdatedMay 21, 2026
Details
Beacon Credit Union Incorporated
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
6320 Logans Ln, Lynchburg, VA 24502
48 Months
$500
1.25%
▼
Rate1.24%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
KEMBA ROANOKE
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
6001 FORT AVE, LYNCHBURG, VA 24502
4 Year Share Certificates
$500
1.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 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
KEMBA ROANOKE
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
6001 FORT AVE, LYNCHBURG, VA 24502
IRA Certificates 4 Year
$2,000
1.00%
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedMay 20, 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
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
3021 Old Forest Rd, Lynchburg, VA 24501
4 years
$500
0.15%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
48 months Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
48 Months IRA Certificate
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
48 months Share Certificate
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
Share & IRA Share Certificates (48 month term)
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Business Share Certificates 48 Months
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
48 months Share Certificate
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
48 Months Share Certificate
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
48 Months IRA Certificates
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
Investment Certificate 3 to 4 Years Jumbo
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Early Withdrawal Penalty: 180 Days' Dividends
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
48 Month Bonus Certificates
$40,000
3.76%
▼
Rate3.70%
Min Deposit$40,000
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 48 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
Investment Certificate 3 to 4 Years
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Early Withdrawal Penalty: 180 Days' Dividends
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
Jumbo Fixed Rate Share Certificates 48-month
$10,000
3.75%
▼
Rate3.70%
Min Deposit$10,000
Min Balance—
UpdatedMay 21, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
Jumbo Traditional, Educational, and Roth IRA Share Certificates 48-month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
48 Months Certificates of Deposit
$1,000
3.75%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
48-month Fixed Rate Share Certificates
$1,000
3.70%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
Raise Your Rate Share Certificate 48-Month
$1,000
3.70%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
Traditional, Educational, and Roth IRA Share Certificates 48-month
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
48 Month Share & IRA Certificate Platinum
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
Share Certificates - Minimum 48 month
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Balance $1,500
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
Fixed-Rate Jumbo 4-year term
$100,000
3.66%
▼
Rate3.60%
Min Deposit$100,000
Min Balance—
UpdatedMay 17, 2026
Details
Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
IRA Certificates - Minimum 48 month
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Balance $1,000
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
4-year term
$500
3.61%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
4-year term Fixed-Rate Certificates
$500
3.61%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
IRA Fixed-Rate Certificate 4-year term
$500
3.61%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
48 Month Share and IRA Certificate
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
48 Month Share & IRA Certificate
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
4 Year Certificate
$1,000
3.60%
▼
Rate3.53%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
48 Month Certificates
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
IRA Certificates 48 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.63%
Share Certificates 48 Month
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
Term Certificates (Minimum to Open $1,000.00)
Lynchburg 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
1210 Greenview Dr, Lynchburg, VA 24502
IRA Certificates 5 Year Term
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
1210 Greenview Dr, Lynchburg, VA 24502
Regular Certificates 5 Year Term
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
7114 Timberlake Rd, Lynchburg, VA 24502 2335
60 month certificate
$100,000
3.80%
▼
Rate3.73%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
7114 Timberlake Rd, Lynchburg, VA 24502 2335
60 month IRA
$100,000
3.80%
▼
Rate3.73%
Min Deposit$100,000
Min Balance—
UpdatedMay 22, 2026
Details
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
7114 Timberlake Rd, Lynchburg, VA 24502 2335
60 month certificate
$50,000
3.70%
▼
Rate3.64%
Min Deposit$50,000
Min Balance—
UpdatedMay 22, 2026
Details
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
7114 Timberlake Rd, Lynchburg, VA 24502 2335
60 month IRA
$50,000
3.70%
▼
Rate3.64%
Min Deposit$50,000
Min Balance—
UpdatedMay 22, 2026
Details
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
7114 Timberlake Rd, Lynchburg, VA 24502 2335
60 month certificate
$5,000
3.61%
▼
Rate3.55%
Min Deposit$5,000
Min Balance—
UpdatedMay 22, 2026
Details
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
7114 Timberlake Rd, Lynchburg, VA 24502 2335
60 month IRA
$5,000
3.61%
▼
Rate3.55%
Min Deposit$5,000
Min Balance—
UpdatedMay 22, 2026
Details
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
7114 Timberlake Rd, Lynchburg, VA 24502 2335
60 month certificate
$500
3.60%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Member One Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
7114 Timberlake Rd, Lynchburg, VA 24502 2335
60 month IRA
$100
3.60%
▼
Rate3.55%
Min Deposit$100
Min Balance—
UpdatedMay 22, 2026
Details
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
2300 Wards Rd Ste E, Lynchburg, VA 24502
5 Year Certificate
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
2300 Wards Rd Ste E, Lynchburg, VA 24502
IRA 5 Year Certificate
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
National Bank of Blacksburg
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
20479 Timberlake Rd, Lynchburg, VA 24502
60 months Certificates of Deposit (CDs)
$0
2.63%
▼
Rate2.60%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
National Bank of Blacksburg
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
20479 Timberlake Rd, Lynchburg, VA 24502
IRA's - Traditional & Roth 60 months
$0
2.63%
▼
Rate2.60%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
First National Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
14580 Wards Rd, Lynchburg, VA 24502
5 Year
$500
2.27%
▼
Rate2.27%
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
First National Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
14580 Wards Rd, Lynchburg, VA 24502
IRA 5 Year Fixed
$100
2.27%
▼
Rate2.25%
Min Deposit$100
Min Balance—
UpdatedMay 21, 2026
Details
First National Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
14580 Wards Rd, Lynchburg, VA 24502
Roth IRA 5 Year Fixed
$100
2.27%
▼
Rate2.25%
Min Deposit$100
Min Balance—
UpdatedMay 21, 2026
Details
Beacon Credit Union Incorporated
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
6320 Logans Ln, Lynchburg, VA 24502
60 Months
$500
1.25%
▼
Rate1.24%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details
KEMBA ROANOKE
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
6001 FORT AVE, LYNCHBURG, VA 24502
5 Year Share Certificates
$500
1.10%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 20, 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
KEMBA ROANOKE
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
6001 FORT AVE, LYNCHBURG, VA 24502
IRA Certificates 5 Year
$2,000
1.10%
▼
Rate—
Min Deposit$2,000
Min Balance—
UpdatedMay 20, 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
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
3021 Old Forest Rd, Lynchburg, VA 24501
5 years
$500
0.15%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 21, 2026
Details
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
60 months Share Certificate
$0
4.18%
▼
Rate4.10%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
60 Months IRA Certificate
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
60 months Share Certificate
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Loudoun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
60-Month Roth IRA Certificates
$0
4.06%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details
Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
Share & IRA Share Certificate (60 month term)
$0
3.97%
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
60 Months IRA Certificates
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
60 Months Share Certificate
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Business Share Certificates 60 Months
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
60 months Share Certificate
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
Investment Certificate 4 to 5 Years Jumbo
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Early Withdrawal Penalty: 180 Days' Dividends
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
Investment Certificate 5 Years Jumbo
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Early Withdrawal Penalty: 180 Days' Dividends
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
60 Month Bonus Certificates
$40,000
3.76%
▼
Rate3.70%
Min Deposit$40,000
Min Balance—
UpdatedMay 30, 2026
Details
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
Bonus IRA Certificates 60 Month
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 30, 2026
Details
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
60 Month Share & IRA Certificate Platinum
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
American Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.76%
60 Month IRA and Share Certificates
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedMay 22, 2026
Details
EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
60 Months Certificates of Deposit
$1,000
3.75%
▼
Rate3.68%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
Jumbo Traditional, Educational, and Roth IRA Share Certificates 60-month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
Jumbo Fixed Rate Share Certificates 60-month
$10,000
3.75%
▼
Rate3.70%
Min Deposit$10,000
Min Balance—
UpdatedMay 21, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
Investment Certificate 5 Years
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Early Withdrawal Penalty: 180 Days' Dividends
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
Investment Certificate 4 to 5 Years
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Early Withdrawal Penalty: 180 Days' Dividends
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
60-month Fixed Rate Share Certificates
$1,000
3.70%
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
UpdatedMay 21, 2026
Details
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
Traditional, Educational, and Roth IRA Share Certificates 60-month
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
60 Month Share and IRA Certificate
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
IRA Certificates - Minimum 60 month
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Balance $1,000
Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
Share Certificates - Minimum 60 month
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Balance $1,500
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
5-Year IRA Share Certificate
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
60 Month Share & IRA Certificate
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
5 Year Certificate
$1,000
3.65%
▼
Rate3.58%
Min Deposit$1,000
Min Balance—
UpdatedMay 29, 2026
Details
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
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Lynchburg, VA CD Rate Trends
Compare local Lynchburg, 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
2.535%
▲ 0.001 vs 7 days ago
Virginia 12-month CD rates rose 0.001 points over the past 7 days to 2.535% APY.
6-Month CD — VA Avg
2.113%
▲ 0.011 vs 7 days ago
Virginia 6-month CD rates rose 0.011 points over the past 7 days to 2.113% APY.
As of Jun 3, 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 June 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
VA 12-Month Avg APY
2.535%
6-Month Forecast
2.535%
Range: 2.34% – 2.69%
12-Month Forecast
2.285%
Range: 2.09% – 2.44%
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 | 1.011% | $50.53 | $101.06 | $252.65 | $505.30 |
| 6-Month CD | 2.113% | $105.66 | $211.32 | $528.30 | $1,056.60 |
| 12-Month CD | 2.535% | $126.73 | $253.45 | $633.63 | $1,267.25 |
| 18-Month CD | 2.394% | $119.68 | $239.36 | $598.40 | $1,196.80 |
| 24-Month CD | 2.531% | $126.56 | $253.11 | $632.78 | $1,265.55 |
| 36-Month CD | 2.515% | $125.76 | $251.51 | $628.78 | $1,257.55 |
| 48-Month CD | 2.521% | $126.07 | $252.14 | $630.35 | $1,260.70 |
| 60-Month CD | 2.567% | $128.34 | $256.67 | $641.68 | $1,283.35 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of June 1, 2026. | |||||
Sample CD Ladder for Lynchburg, 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 | 1.011% | $50.53 |
| 2 | 6-Month CD | $5,000 | 2.113% | $105.66 |
| 3 | 12-Month CD | $5,000 | 2.535% | $126.73 |
| 4 | 24-Month CD | $5,000 | 2.531% | $126.56 |
| 5 | 36-Month CD | $5,000 | 2.515% | $125.76 |
| Total ($25,000 invested) | $25,000 | 2.141% blended | $535.24/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.
855
CD Rates
Tracked in Lynchburg, Virginia
Tracked in Lynchburg, Virginia
23 Banks
56 Credit Unions
About Our Lynchburg, Virginia CD Rate Database
MonitorBankRates tracks 855 CD rates from 23 banks and 56 credit unions with locations in Lynchburg, 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: Beacon Credit Union Incorporated offers a CD at 4.25% APY with a minimum deposit of $2,500. Use the rate table above to compare all current offers in Lynchburg, Virginia.
How to Find the Best CD Rates in Lynchburg, Virginia
What to compare when shopping for a CD in Lynchburg, Virginia
To find the best APYs in Lynchburg, Virginia, start with credit unions and online-only banks — Lynchburg, Virginia has 56 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 Lynchburg, 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 Lynchburg, Virginia — 79 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Lynchburg, Virginia savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Lynchburg, Virginia money market rates
Lynchburg, Virginia Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
14.3%
National avg: 17.3%
Median Individual Earnings
$29,505
National avg: $47,340
Poverty Rate
18.6%
National avg: 11.1%
Unemployment Rate
5.3%
National avg: 4.8%
CD Earnings on 10% of Salary
$75/yr
At VA 12-mo avg 2.535% APY
14.3% of residents are 65 or older — below the national average of 17.3%. At today’s VA 12-month CD average of 2.535%, saving 10% of the local median salary ($2,950/year) and putting it in a CD would earn an additional $75 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 Lynchburg, 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 |
How Certificates of Deposit Work in Lynchburg, Virginia
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Lynchburg, Virginia typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Lynchburg, Virginia as everywhere in the U.S.
Choosing a CD Term in Lynchburg, Virginia
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Lynchburg, Virginia savers easier access to their funds. For example, Beacon Credit Union Incorporated is offering its Limited Time Special - 6 Months at 4.25% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Blue Eagle Credit Union is offering its IRA Certificates 5 Year Term at 4.00% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Lynchburg, Virginia Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Lynchburg, Virginia saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in Lynchburg, Virginia
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Lynchburg, Virginia CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in Lynchburg, Virginia
Most CDs carry a fixed rate that is locked for the entire term, protecting a Lynchburg, Virginia depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
Frequently Asked Questions about CD Rates in Lynchburg, Virginia
Are CD rates in Lynchburg, Virginia FDIC insured?
Yes, most established banks in Lynchburg, 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 Lynchburg, 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 Lynchburg, 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 Lynchburg, 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 Lynchburg, Virginia?
Here are recent top rates found for this area:
- Beacon Credit Union Incorporated: 4.25% APY (Limited Time Special - 6 Months)
- Blue Eagle Credit Union: 4.00% APY (IRA Certificates 3 Year Term)
- Member One Federal Credit Union: 3.95% APY (12 month IRA)
- National Bank of Blacksburg: 3.43% APY (Certificate of Deposit (CD) Specials 6 Months)
- General Electric Employees Federal Credit Union: 3.35% APY (1 Year Certificate)
- First National Bank VA: 3.02% APY (6 Month CD)
- Central Virginia Federal Credit Union: 2.00% APY (36 Month Preferred Certificates)
- KEMBA ROANOKE: 1.10% APY (IRA Certificates 5 Year)
- First Citizens Bank: 0.15% APY (5 years)
- PAHO WHO Federal Credit Union: 4.59% APY (36 Months IRA Certificate)
Rates reflect recent verified offers available in Lynchburg, Virginia. Last Updated: June 1, 2026
CD Calculators for Lynchburg, Virginia
Lynchburg, Virginia CD Calculator
At today’s VA top rate of 4.25% APY, a $10,000 deposit earns $425 in the first year. Enter your amount to see your exact return.
Lynchburg, Virginia CD LadderVA CD rates currently range from 1.011% (3-month) to 2.515% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Lynchburg, Virginia CD at 4.25% 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 2.535% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Lynchburg, Virginia CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Lynchburg, Virginia directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Lynchburg, 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: June 1, 2026
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