Credit union · NCUA insured
Argent Credit Union CD Rates
Top CarrotArgent Credit Union’s best CD rate is 4.00% APY on a 2-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Argent Credit Union’s CD rates compare
Compared with banks and credit unions near Richmond, VA, where Argent Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Argent Credit Union
4.00%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,167
Certificates
Top rate
The United Methodist Credit Union
5.00%APY
- Term
- 8 months
- Minimum
- $5,000
- Earns on $10,000
- $331
2nd-highest rate
Langley Credit Union
4.50%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,462
Argent Credit Union CD score
85
CD score
Higher than 70% of U.S. banks and credit unions
- 3–8 months3–8 mo2.50%
- 9–15 months9–15 mo3.90%
- 16–30 months16–30 mo3.80%
- 31–60 months31–60 mo4.00%
- QualifiedQualified4.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Argent Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificates
Up to 4.00%APY · 7 terms
Dividends compounded and paid quarterly. Early withdrawal penalties apply.
| Term | APY · $500 and up | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | 2.50% | — | 2.50% | $124 |
| 12 months | 3.90% | — | 3.90% | $390 |
| 13 monthsSPECIAL (1 Penalty-Free Withdrawal Certificate). Not available on IRA Certificates. Allows one penalty-free withdrawal during the term. Any withdrawal made within 6 days of account opening or within 6 days after a partial withdrawal is subject to an early withdrawal penalty of at least 7 days of dividends. Account must be closed if balance falls below $500.00 | 3.00% | — | 3.00% | $325 |
| 24 months | 3.80% | — | 3.80% | $774 |
| 24 monthsJumbo Certificate tier | — | 4.00% | —4.00% from $50k | — |
| 36 months | 3.85% | — | 3.85% | $1,200 |
| 48 months | 3.90% | — | 3.90% | $1,654 |
| 60 months | 4.00% | — | 4.00% | $2,167 |
Sources (3)
- argentcu.org/accounts/certificates
- argentcu.org/accounts/savings-and-certificate-rates
- argentcu.org/wp-content/upload…ate-and-Fee-Addendum.pdf
All captured Sep 19, 2026
Special-purpose accounts
IRA Certificates
Up to 4.00%APY · 7 terms
Dividends compounded and paid quarterly. A penalty will be imposed for early withdrawal on all IRA Certificates.
| Term | APY · $500 and up | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | 2.50% | — | 2.50% | $124 |
| 12 months | 3.90% | — | 3.90% | $390 |
| 15 monthsAvailable only for IRA Certificates | 3.00% | — | 3.00% | $376 |
| 24 months | 3.80% | — | 3.80% | $774 |
| 24 monthsJumbo Certificate tier | — | 4.00% | —4.00% from $50k | — |
| 36 months | 3.85% | — | 3.85% | $1,200 |
| 48 months | 3.90% | — | 3.90% | $1,654 |
| 60 months | 4.00% | — | 4.00% | $2,167 |
Sources (3)
- argentcu.org/accounts/iras
- argentcu.org/accounts/savings-and-certificate-rates
- argentcu.org/wp-content/upload…ate-and-Fee-Addendum.pdf
All captured Sep 19, 2026
Who can join Argent 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 any person who lives, works, attends school, worships, or volunteers in Chesterfield County, Henrico County, Hanover County, or the City of Richmond.
Family and household
- Membership is extended to immediate family members and housemates of eligible individuals, even if that individual is not a member.
Membership information collected October 4, 2026.