Credit union · NCUA insured
Baylands Family Credit Union CD Rates
Top CarrotBaylands Family Credit Union’s best CD rate is 3.45% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Baylands Family Credit Union’s CD rates compare
Compared with banks and credit unions near Richmond, VA, where Baylands Family Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Baylands Family Credit Union
3.45%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $1,848
Share Certificate
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
Baylands Family Credit Union CD score
72
CD score
Higher than 32% of U.S. banks and credit unions
- 3–8 months3–8 mo2.94%
- 9–15 months9–15 mo3.04%
- 16–30 months16–30 mo3.14%
- 31–60 months31–60 mo3.45%
- QualifiedQualified3.45%
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 Baylands Family 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.
Share Certificate
Up to 3.45%APY · 6 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends compound and credit monthly. Term deposit with early withdrawal penalty | 2.94% | $146 |
| 12 monthsDividends compound and credit monthly. Term deposit with early withdrawal penalty | 3.04% | $304 |
| 24 monthsDividends compound and credit monthly. Golden Benefits Members receive an additional 0.05%. Term deposit with early withdrawal penalty | 3.14% | $638 |
| 36 monthsDividends compound and credit monthly. Golden Benefits Members receive an additional 0.05%. Term deposit with early withdrawal penalty | 3.25% | $1,007 |
| 48 monthsDividends compound and credit monthly. Golden Benefits Members receive an additional 0.05%. Term deposit with early withdrawal penalty | 3.35% | $1,409 |
| 60 monthsDividends compound and credit monthly. Golden Benefits Members receive an additional 0.05%. Term deposit with early withdrawal penalty | 3.45% | $1,848 |
Sources (1)
- baylandsfcu.org/Rates · captured Oct 4, 2026
Special-purpose accounts
IRA Certificate
Up to 3.45%APY · 6 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends compound and credit monthly. Term deposit with early withdrawal penalty | 2.94% | $146 |
| 12 monthsDividends compound and credit monthly. Term deposit with early withdrawal penalty | 3.04% | $304 |
| 24 monthsDividends compound and credit monthly. Golden Benefits Members receive an additional 0.05%. Term deposit with early withdrawal penalty | 3.14% | $638 |
| 36 monthsDividends compound and credit monthly. Golden Benefits Members receive an additional 0.05%. Term deposit with early withdrawal penalty | 3.25% | $1,007 |
| 48 monthsDividends compound and credit monthly. Golden Benefits Members receive an additional 0.05%. Term deposit with early withdrawal penalty | 3.35% | $1,409 |
| 60 monthsDividends compound and credit monthly. Golden Benefits Members receive an additional 0.05%. Term deposit with early withdrawal penalty | 3.45% | $1,848 |
Sources (1)
- baylandsfcu.org/Rates · captured Oct 4, 2026
Who can join Baylands Family Credit Union
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