Bank · FDIC insured
Atlantic Union Bank CD Rates
Atlantic Union Bank’s best CD rate is 4.15% APY on a 13-month CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Atlantic Union Bank’s CD rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where Atlantic Union Bank has the most branches. $10,000, best rate first.
This bank’s best
Atlantic Union Bank
4.15%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $450
Special Certificate of Deposit (CD)
Top rate
Tower Federal Credit Union
5.20%APY
- Term
- 24 months
- Minimum
- $500
- Earns on $10,000
- $1,067
2nd-highest rate
Apple FCU
5.00%APY
- Term
- 70 months
- Minimum
- $500
- Earns on $10,000
- $3,292
Atlantic Union Bank CD score
86
CD score
Higher than 74% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.15%
- 16–30 months16–30 mo2.50%
- 31–60 months31–60 mo2.50%
- QualifiedQualified4.15%
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 Atlantic Union Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Special Certificate of Deposit (CD)
Up to 4.15%APY · 3 terms
$1,000 minimum opening deposit. After account opening, there is no minimum balance requirement to obtain the disclosed APY. At maturity, automatically renews to the Standard CD term (3, 6, or 12 months) closest to but not greater than the special term at the applicable standard rate. Early withdrawal penalties and fees may reduce earnings. Rates may vary by location.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 4 monthsRenews to Standard CD 3 Month term upon maturity | 3.85% | $127 |
| 7 monthsRenews to Standard CD 6 Month term upon maturity | 4.00% | $231 |
| 13 monthsRenews to Standard CD 12 Month (1 Year) term upon maturity | 4.15% | $450 |
Sources (2)
- atlanticunionbank.com/personal…ducation-and-tools/rates
- atlanticunionbank.com/personal…icates-of-deposit-(cd-s)
All captured Oct 22, 2026
Standard Certificate of Deposit (CD)
Up to 3.00%APY · 7 terms
$1,000 minimum opening deposit. After account opening, there is no minimum balance requirement to obtain the disclosed APY. Early withdrawal penalties and fees may reduce earnings. Rates may vary by location.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.00% | $74 |
| 6 months | 3.00% | $149 |
| 12 months | 3.00% | $300 |
| 24 months | 2.50% | $506 |
| 36 months | 2.50% | $769 |
| 48 months | 2.50% | $1,038 |
| 60 months | 2.50% | $1,314 |
Sources (1)
- atlanticunionbank.com/personal…ducation-and-tools/rates · captured Oct 22, 2026
Special-purpose accounts
Special Individual Retirement Account (IRA) CD
Up to 4.15%APY · 3 terms
Available to consumers only. Traditional and Roth IRAs available. $1,000 minimum opening deposit. After account opening, there is no minimum balance requirement to obtain the disclosed APY. At maturity, automatically renews to the Standard IRA CD term (3, 6, or 12 months) closest to but not greater than the special term at the applicable standard rate. Early withdrawal penalties and fees may reduce earnings. Rates may vary by location.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 4 monthsRenews to Standard IRA CD 3 Month term upon maturity | 3.85% | $127 |
| 7 monthsRenews to Standard IRA CD 6 Month term upon maturity | 4.00% | $231 |
| 13 monthsRenews to Standard IRA CD 12 Month (1 Year) term upon maturity | 4.15% | $450 |
Sources (2)
- atlanticunionbank.com/personal…ducation-and-tools/rates
- atlanticunionbank.com/personal…etirement-account-(iras)
All captured Oct 22, 2026
Standard Individual Retirement Account (IRA) CD
Up to 3.00%APY · 7 terms
Available to consumers only. Traditional and Roth IRAs available. Minimum opening deposit: $500. After account opening, there is no minimum balance requirement to obtain the disclosed APY. Early withdrawal penalties and fees may reduce earnings. Rates may vary by location.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.00% | $74 |
| 6 months | 3.00% | $149 |
| 12 months | 3.00% | $300 |
| 24 months | 2.50% | $506 |
| 36 months | 2.50% | $769 |
| 48 months | 2.50% | $1,038 |
| 60 months | 2.50% | $1,314 |
Sources (2)
- atlanticunionbank.com/personal…ducation-and-tools/rates
- atlanticunionbank.com/personal…etirement-account-(iras)
All captured Oct 22, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.