Credit union · NCUA insured
Beach Municipal Federal Credit Union CD Rates
Beach Municipal Federal Credit Union’s best CD rate is 3.82% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Beach Municipal Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Virginia Beach, VA-NC, where Beach Municipal Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Beach Municipal Federal Credit Union
3.82%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $382
Share Certificate
Top rate
Together Credit Union
4.50%APY
- Term
- 11 months
- Minimum
- $1,000
- Earns on $10,000
- $412
2nd-highest rate
Langley Credit Union
4.50%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,462
Beach Municipal Federal Credit Union CD score
82
CD score
Higher than 58% of U.S. banks and credit unions
- 3–8 months3–8 mo1.55%
- 9–15 months9–15 mo3.82%
- 16–30 months16–30 mo3.82%
- 31–60 months31–60 mo3.53%
- QualifiedQualified3.82%
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 Beach Municipal Federal 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 3.82%APY · 7 terms
Terms ranging from 91 days to 60 months. Minimum investment of $500. Declared minimum balance is required to both open the account and earn the stated APY. Early withdrawal penalties may apply. Rates are subject to change at any time.
| Term | APY · $500 and up | APY · $1,000 and up | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 monthsTerm stated as 91 days | — | 0.80% | — | 0.80% | $20 |
| 6 months | 0.83% | 1.32% | 1.55% | 0.83%1.32% from $1k1.55% from $10k | $41 |
| 12 months | 1.07% | 2.18% | 3.82% | 1.07%2.18% from $1k3.82% from $10k | $107 |
| 18 months | — | 2.40% | 3.82% | 2.40%3.82% from $10k | $362 |
| 24 months | — | — | 3.39% | 3.39% | $689 |
| 30 months | 1.25% | 2.55% | 3.44% | 1.25%2.55% from $1k3.44% from $10k | $315 |
| 60 months | 3.53% | — | — | 3.53% | $1,894 |
Sources (2)
All captured Sep 19, 2026
Special-purpose accounts
Youth Share Certificate
5.00%APY · 1 term
Exclusively for Long John Saver & Pipeline members. Available in amounts of $50 and $100 only. Members are limited to a maximum of $1,000 in Youth Share Certificates at any one time. A maximum of two new Youth Share Certificates may be purchased per 30-day period. Funds used must be new money deposits or money already on deposit in member's Long John Saver or Pipeline account. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 60 monthsAvailable in amounts of $50 and $100 only | 5.00% | — |
Sources (3)
- beachmunicipal.org/bank/saving…ong-john-saver-kids-club
- beachmunicipal.org/bank/share-certificates
- beachmunicipal.org/rates/deposit-rates
All captured Sep 19, 2026
IRA Share Certificate
Up to 3.75%APY · 1 term
Declared minimum balance is required to both open the account and earn the stated APY. Early withdrawal penalties may apply. Rates are subject to change at any time.
| Term | APY · $500 and up | APY · $2,500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 months | 1.76% | 3.75% | 1.76%3.75% from $2.5k | $176 |
Sources (3)
- beachmunicipal.org/bank/share-certificates
- beachmunicipal.org/rates/deposit-rates
- beachmunicipal.org/bank/ira-savings
All captured Sep 19, 2026
Me Too Share Certificate
1.35%APY
Part of All About Me & Long John Saver Kids Club. Open a Long John Saver Kids Club account for child and purchase a $50 Me Too Share Certificate before they are 6 months old. Credit Union purchases child a $50 Me Too Plus Share Certificate on first birthday and makes additional $50 deposits at ages 5, 13, and 16. Matures when child turns 18 years old. Early withdrawal penalties may apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMatures when child turns 18 years old (term stated as 'See disclosure')$50 and up | 1.35% | $135 | Matures when child turns 18 years old (term stated as 'See disclosure') |
Sources (3)
- beachmunicipal.org/bank/savings/all-about-me
- beachmunicipal.org/bank/share-certificates
- beachmunicipal.org/rates/deposit-rates
All captured Sep 19, 2026
Who can join Beach Municipal Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Appointed members of boards and commissions of the City of Virginia Beach are eligible for membership.
- Full and part-time employees of the City of Virginia Beach and Virginia Beach City Public Schools, including the Adult Learning Center, are eligible for membership.
- Persons retired as pensioners from the City of Virginia Beach or Virginia Beach City Public Schools are eligible for membership.
- Volunteers performing regular duties assigned to City or School departments or facilities are eligible for membership.
Family and household
- Immediate family members (defined as spouse, child, sibling, parent, grandparent, grandchild, step-parents, step-children, step-siblings, and adoptive relationships) of eligible individuals are eligible for membership.
- Spouses of persons who died while within the field of membership of this Credit Union are eligible for membership.
1 more way to join
Other ways
- Organizations of eligible individuals are eligible for membership.
Cost to join
- A $1 membership fee is required upon opening an account, which is waived for Long John Saver Kids Club accounts.
- A $5 share deposit is required to open and maintain a member share account, representing the member's share of the Credit Union.
Membership information collected October 4, 2026.