Credit union · NCUA insured
Chartway Credit Union CD Rates
Top CarrotChartway Credit Union’s best CD rate is 4.45% APY on a 13-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Chartway Credit Union’s CD rates compare
Compared with banks and credit unions near Virginia Beach, VA-NC, where Chartway Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Chartway Credit Union
4.45%APY
- Term
- 13 months
- Minimum
- $500
- Earns on $10,000
- $483
13-Month Promo 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
Chartway Credit Union CD score
89
CD score
Higher than 87% of U.S. banks and credit unions
- 3–8 months3–8 mo4.30%
- 9–15 months9–15 mo4.45%
- 16–30 months16–30 mo2.25%
- 31–60 months31–60 mo2.15%
- QualifiedQualified4.45%
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 Chartway 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 Certificates
Up to 2.35%APY · 7 terms
Federally insured by NCUA up to $250,000. Dividends are compounded and credited quarterly. Rates shown not available in VA, NC, UT, NV, or TX. Early withdrawals are subject to an early withdrawal penalty. Flex Term Share Certificates will automatically renew at the lower standard share certificate term for the rate in effect on the renewal date, unless the owner(s) notifies the credit union to the contrary on or before the maturity date. All renewing certificates receive a 0.10% rate rewards until further notice (excluding 6 month and 12 month No Penalty and promotional certificates). Rate increase of 0.10% APY available on any 12 month+ certificate renewal with Essential Checking.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6–11 monthsRates shown not available in VA, NC, UT, NV, or TX. Dividends compounded and credited quarterly. Early withdrawal penalty applies. Flex Term Share Certificates automatically renew at lower standard share certificate term | 1.40% | $70 |
| 12–17 monthsRates shown not available in VA, NC, UT, NV, or TX. Dividends compounded and credited quarterly. Early withdrawal penalty applies. Flex Term Share Certificates automatically renew at lower standard share certificate term | 2.35% | $235 |
| 18–23 monthsRates shown not available in VA, NC, UT, NV, or TX. Dividends compounded and credited quarterly. Early withdrawal penalty applies. Flex Term Share Certificates automatically renew at lower standard share certificate term | 1.75% | $264 |
| 24–35 monthsRates shown not available in VA, NC, UT, NV, or TX. Dividends compounded and credited quarterly. Early withdrawal penalty applies. Flex Term Share Certificates automatically renew at lower standard share certificate term | 2.25% | $455 |
| 36–47 monthsRates shown not available in VA, NC, UT, NV, or TX. Dividends compounded and credited quarterly. Early withdrawal penalty applies. Flex Term Share Certificates automatically renew at lower standard share certificate term | 2.15% | $659 |
| 48–59 monthsRates shown not available in VA, NC, UT, NV, or TX. Dividends compounded and credited quarterly. Early withdrawal penalty applies. Flex Term Share Certificates automatically renew at lower standard share certificate term | 2.15% | $888 |
| 60–71 monthsRates shown not available in VA, NC, UT, NV, or TX. Dividends compounded and credited quarterly. Early withdrawal penalty applies. Flex Term Share Certificates automatically renew at lower standard share certificate term | 2.15% | $1,122 |
Special-purpose accounts
13-Month Promo Certificate
4.45%APY · 1 term
Must be funded completely with new deposits (funds not currently on deposit with Chartway Credit Union). Minimum $500 to open ($100 if under 18 years old). Early withdrawal penalty applies. Renews at current 12-month certificate rate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 13 monthsNew deposits only from non-Chartway account. $500 minimum (no maximum balance). Renews at current 12-month certificate rate. Early withdrawal penalty applies | 4.45% | $483 |
Sources (1)
- chartway.com/certificate-promotion.html · captured Oct 22, 2026
6-Month Promo Certificate
4.30%APY · 1 term
Must be funded completely with new deposits (funds not currently on deposit with Chartway Credit Union). Minimum $500 to open ($100 if under 18 years old). Early withdrawal penalty applies. Renews at current 6-month certificate rate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsNew deposits only from non-Chartway account. $500 minimum ($100 if under 18). Renews at standard 6-month certificate rate. Early withdrawal penalty applies | 4.30% | $213 |
Sources (1)
- chartway.com/certificate-promotion.html · captured Oct 22, 2026
12-Month Promo Certificate (No Penalty)
3.30%APY · 1 term
Must be funded completely with new deposits (funds not currently on deposit with Chartway Credit Union). Minimum $500 to open ($100 if under 18 years old). One withdrawal without penalty once account open for at least 7 days; additional withdrawals subject to 90 days' dividends early withdrawal penalty. Renews at current 12-month No Penalty certificate rate. Share Certificate only.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsNew deposits only. One penalty-free withdrawal after 7 days; additional withdrawals incur 90 days' dividend penalty. $500 minimum ($100 if under 18). Renews at current 12-month No Penalty certificate rate. Share Certificate only | 3.30% | $330 |
Sources (1)
- chartway.com/certificate-promotion.html · captured Oct 22, 2026
Who can join Chartway Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who (or whose family member) live, work, worship, or study in Chartway's primary markets (Virginia, Utah, Texas).
Employers and groups
- Membership is open to employees of partner Select Employer Groups (SEGs) and their families.
Family and household
- Membership is open to immediate family members of existing Chartway members, including parents, spouses, children, grandparents, and more.
- Membership is open to individuals living in the same household as a current member, including domestic partners and roommates.
Other ways
- Membership is open to individuals who make a $10 donation to the Chartway Promise Foundation.
Cost to join
- Joining via the Chartway Promise Foundation requires a $10 donation.
Membership information collected October 4, 2026.