Bank · FDIC insured
Bank of Botetourt CD Rates
Bank of Botetourt’s best CD rate is 4.00% APY on a 1-year CD. Terms run from 1 year to 5 years. Rates checked October 22, 2026.
How Bank of Botetourt’s CD rates compare
Compared with banks and credit unions near Roanoke, VA, where Bank of Botetourt has the most branches. $10,000, best rate first.
This bank’s best
Bank of Botetourt
4.00%APY
- Term
- 12 months
- Minimum
- $2,500
- Earns on $10,000
- $400
Certificate of Deposit 12 Month Special
Top rate
Freedom First
4.65%APY
- Term
- 13 months
- Minimum
- $5,000
- Earns on $10,000
- $505
2nd-highest rate
Beacon Credit Union
4.35%APY
- Term
- 6 months
- Minimum
- $2,500
- Earns on $10,000
- $215
Bank of Botetourt CD score
68
CD score
Higher than 22% of U.S. banks and credit unions
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo0.70%
- 31–60 months31–60 mo1.00%
- 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 Bank of Botetourt 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.
Certificate of Deposit 12 Month Special
4.00%APY · 1 term
Interest is compounded and paid quarterly. Penalty for early withdrawal; early withdrawal fees could reduce earnings. Valid for consumer and commercial customers with or without a full relationship.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsInterest is compounded and paid quarterly. There is a penalty for early withdrawal. Early withdrawal fees could reduce earnings. 12-month CD offer is valid for consumer and commercial customers with or without a full relationship | 4.00% | $400 |
Sources (2)
All captured Oct 15, 2026
Certificate of Deposit
Up to 1.00%APY · 7 terms
A penalty may be imposed for early withdrawal. Fees could reduce earnings on the account. Minimum balance to obtain APY is based on daily balance.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 0.50% | $50 |
| 18 months | 0.55% | $83 |
| 24 monthsPenalty may be imposed for early withdrawal. Daily balance requirement to obtain APY | 0.65% | $130 |
| 30 monthsPenalty may be imposed for early withdrawal. Daily balance requirement to obtain APY | 0.70% | $176 |
| 36 monthsPenalty may be imposed for early withdrawal. Daily balance requirement to obtain APY | 0.75% | $227 |
| 48 monthsPenalty may be imposed for early withdrawal. Daily balance requirement to obtain APY | 0.90% | $365 |
| 60 monthsPenalty may be imposed for early withdrawal. Daily balance requirement to obtain APY | 1.00% | $510 |
Sources (2)
All captured Oct 15, 2026
No Penalty CD
1.00%APY · 1 term
Guaranteed interest rate for one (1) year. Interest is compounded quarterly. Monthly or quarterly interest payments are available. One no penalty withdrawal after seven (7) days.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsGuaranteed interest rate for one (1) year. Interest compounded quarterly. One no penalty withdrawal after seven (7) days | 1.00% | $100 |
Sources (2)
All captured Oct 15, 2026
Stepping Stone CD
Up to 1.00%APY · 2 terms
The Stepping Stone CD can be bumped one time up to 1% within the term of the CD based on the current 36-month and 60-month Stepping Stone board rate. Daily balance to obtain APY.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 monthsCan be bumped one time up to 1% within the term of the CD based on current 36-month Stepping Stone board rate. Daily balance requirement to obtain APY | 0.75% | $227 |
| 60 monthsCan be bumped one time up to 1% within the term of the CD based on current 60-month Stepping Stone board rate. Daily balance requirement to obtain APY | 1.00% | $510 |
Sources (1)
- bankofbotetourt.com/rates · captured Oct 15, 2026
Special-purpose accounts
24-Month IRA Special
3.29%APY · 1 term
Penalty may be imposed for early withdrawal (nine months interest for 24 months). Fees could reduce earnings on the account. Daily balance to obtain APY.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsPenalty may be imposed for early withdrawal (9 months). Daily balance to obtain APY | 3.29% | $669 |
Sources (3)
- bankofbotetourt.com/personal/s…/certificates-of-deposit
- bankofbotetourt.com/rates
- bankofbotetourt.com/personal/savings/iras
All captured Oct 15, 2026
IRA Certificate of Deposit
Up to 1.10%APY · 5 terms
Guaranteed interest rate for the term of the IRA CD. Interest is compounded and paid quarterly. A penalty may be imposed for early withdrawal (6 months interest for 1-year, 9 months for 2-year, 12 months for 3 to 5 years). Minimum balance to obtain APY is daily balance. IRA transfer fee is $50.00 per transfer.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsInterest compounded and paid quarterly. Penalty for early withdrawal is 6 months interest. Daily balance to obtain APY | 0.55% | $55 |
| 24 monthsInterest compounded and paid quarterly. Penalty for early withdrawal is 9 months interest. Daily balance to obtain APY | 0.65% | $130 |
| 36 monthsInterest compounded and paid quarterly. Penalty for early withdrawal is 12 months interest. Daily balance to obtain APY | 0.85% | $257 |
| 48 monthsInterest compounded and paid quarterly. Penalty for early withdrawal is 12 months interest. Daily balance to obtain APY | 1.00% | $406 |
| 60 monthsInterest compounded and paid quarterly. Penalty for early withdrawal is 12 months interest. Daily balance to obtain APY | 1.10% | $562 |
Sources (3)
- bankofbotetourt.com/rates
- bankofbotetourt.com/personal/savings/iras
- bankofbotetourt.com/wp-content…mer-Schedule-of-Fees.pdf
All captured Oct 15, 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.