1st Advantage Federal Credit Union CD Rates

How 1st Advantage Federal Credit Union’s CD rates compare

Compared with banks and credit unions near Virginia Beach, VA-NC, where 1st Advantage Federal Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
1st Advantage Federal Credit Union
4.00%APY
Term
8 months
Requires
Another account
Minimum
$500
Earns on $10,000
$265
Share Certificate
Top rate
Together Credit Union
4.50%APY
Term
11 months
Requires
None
Minimum
$1,000
Earns on $10,000
$412
Together Credit Union rates
2nd-highest rate
Langley Credit Union
4.50%APY
Term
60 months
Requires
None
Minimum
$500
Earns on $10,000
$2,462
Langley Credit Union rates

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Current CD rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

Share Certificate

Up to 4.00%APY · 11 termsRequirements applyFrom $500 to open

$500 Minimum balance to open for all shares except 40 Month ($5,000 Minimum). Standard Certificates include: 12-month, 24-month, 36-month, 48-month, and 60-month terms. All other certificates are special. Member has option to bump up rate one time during term on 40-month certificate. Withdrawals before maturity may impose penalty/closure.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
4 monthsNot available for IRA Certificates. Withdrawals before maturity may impose penalty/closure	3.50%	$115
6 monthsNot available for IRA Certificates. Withdrawals before maturity may impose penalty/closure	1.20%	$60
8 monthsRate if no direct deposit to any 1st Advantage checking account. Not available on IRA Certificates. Withdrawals before maturity may impose penalty/closure	3.75%	$248
8 monthsTo qualify for 8-month certificate rate of 4.00% APY, member must have direct deposit to any 1st Advantage checking account. Additional offers may not be combined. Not available on IRA Certificates. Withdrawals before maturity may impose penalty/closure	4.00%	$265
11 monthsSpecial term. Withdrawals before maturity may impose penalty/closure	2.85%	$261
12 monthsStandard term. Withdrawals before maturity may impose penalty/closure	1.00%	$100
24 monthsStandard term. Withdrawals before maturity may impose penalty/closure	2.75%	$558
36 monthsStandard term. Withdrawals before maturity may impose penalty/closure	2.75%	$848
40 months$5,000 Minimum balance to open. Member has option to bump up rate one time during term. Withdrawals before maturity may impose penalty/closure	2.00%	$682
48 monthsStandard term. Withdrawals before maturity may impose penalty/closure	2.75%	$1,146
55 monthsSpecial term. Withdrawals before maturity may impose penalty/closure	2.75%	$1,324
60 monthsStandard term. Withdrawals before maturity may impose penalty/closure	2.75%	$1,453

Sources (2)

All captured Oct 4, 2026

Special-purpose accounts

IRA Certificate

3.85%APY · 1 termIRAFrom $500 to open

Traditional IRA. 4-month, 6-month, and 8-month terms are not available for IRA Certificates.

Earnings on $10,000 over the term.
Term	APY	Earns on $10,000Earns
11 monthsIRA specific term. Withdrawals before maturity may impose penalty/closure	3.85%	$352

Sources (2)

All captured Oct 4, 2026

Who can join 1st Advantage Federal Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Where you live or work

Membership is open to individuals who live, work, worship, or attend school in specified cities (Chesapeake, Hampton, Newport News, Norfolk, Poquoson, Portsmouth, Richmond, Suffolk, Virginia Beach, Williamsburg) and counties (Currituck NC, Gates NC, Gloucester VA, Isle of Wight VA, James City VA, Mathews VA, York VA).

Family and household

Membership is open to any immediate family members of current 1st Advantage members.

Cost to join

Deposit at least $5 into a Savings Account to secure membership for life.

Membership information collected October 4, 2026.

Check membership requirements ↗Branches and institution details

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