Credit union · NCUA insured
Central Virginia Federal Credit Union CD Rates
Central Virginia Federal Credit Union’s best CD rate is 1.95% APY on a 3-year share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 22, 2026.
How Central Virginia Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Lynchburg, VA, where Central Virginia Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Central Virginia Federal Credit Union
2.00%APY
- Term
- 36 months
- Requires
- Another account
- Minimum
- —
- Earns on $10,000
- $612
Preferred Certificates
Top rate
Freedom First
4.65%APY
- Term
- 13 months
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000
- $505
2nd-highest rate
Beacon Credit Union
4.35%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000
- $215
Central Virginia Federal Credit Union CD score
62
CD score
Higher than 7% of U.S. banks and credit unions
- 3–8 months3–8 mo1.45%
- 9–15 months9–15 mo1.75%
- 16–30 months16–30 mo1.85%
- 31–60 months31–60 mo1.95%
- QualifiedQualified2.00%
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 Central Virginia 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.
Preferred Certificates
Up to 2.00%APY · 4 terms
Preferred Certificates require an active CVFCU checking account or CVFCU credit card. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsRequires an active CVFCU checking account or CVFCU credit card | 1.50% | $75 |
| 12 monthsRequires an active CVFCU checking account or CVFCU credit card | 1.80% | $180 |
| 24 monthsRequires an active CVFCU checking account or CVFCU credit card | 1.90% | $384 |
| 36 monthsRequires an active CVFCU checking account or CVFCU credit card | 2.00% | $612 |
Sources (1)
- cvfcu.com/personal/personal-services/personal-rates · captured Sep 19, 2026
Certificates
Up to 1.95%APY · 4 terms
Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 1.45% | $72 |
| 12 months | 1.75% | $175 |
| 24 months | 1.85% | $373 |
| 36 months | 1.95% | $596 |
Sources (1)
- cvfcu.com/personal/personal-services/personal-rates · captured Sep 19, 2026
Who can join Central Virginia Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Students, staff, and faculty of the University of Lynchburg are eligible for membership.
Cost to join
- There is a one-time $5 membership fee.
- A minimum balance of $5 in a savings account per person is required.
Membership information collected October 4, 2026.