Bank · FDIC insured
First Bank CD Rates
First Bank’s best CD rate is 1.55% APY on a 5-year CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How First Bank’s CD rates compare
Compared with banks and credit unions near Richmond, VA, where First Bank has the most branches. $10,000, best rate first.
This bank’s best
First Bank
1.55%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $799
Certificates of Deposit (CD)
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
First Bank CD score
62
CD score
Higher than 5% of U.S. banks and credit unions
- 3–8 months3–8 mo0.89%
- 9–15 months9–15 mo1.00%
- 16–30 months16–30 mo1.32%
- 31–60 months31–60 mo1.55%
- QualifiedQualified1.55%
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 First Bank 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.
Certificates of Deposit (CD)
Up to 1.55%APY · 9 terms
Interest accrues daily and compounds quarterly if added to the CD balance. Early withdrawal penalties apply. CD interest can be added to the CD balance, deposited into another First Bank account, or paid by check.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.75% | $19 |
| 6 months | 0.89% | $44 |
| 12 months | 1.00% | $100 |
| 18 months | 1.10% | $165 |
| 24 months | 1.26% | $254 |
| 30 months | 1.32% | $333 |
| 36 months | 1.51% | $460 |
| 48 months | 1.52% | $622 |
| 60 months | 1.55% | $799 |
Sources (2)
All captured Oct 4, 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.