Credit union · NCUA insured
Henrico Federal Credit Union CD Rates
Top CarrotHenrico Federal Credit Union’s best CD rate is 4.20% APY on a 15-month share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 22, 2026.
How Henrico Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Richmond, VA, where Henrico Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Henrico Federal Credit Union
4.20%APY
- Term
- 15 months
- Minimum
- —
- Earns on $10,000
- $528
15-Month Certificate Special
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
Henrico Federal Credit Union CD score
89
CD score
Higher than 86% of U.S. banks and credit unions
- 3–8 months3–8 mo2.75%
- 9–15 months9–15 mo4.20%
- 16–30 months16–30 mo4.00%
- 31–60 months31–60 mo4.10%
- QualifiedQualified4.20%
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 Henrico 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.
15-Month Certificate Special
4.20%APY · 1 term
Special certificate offer. Fixed rate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 15 months | 4.20% | $528 |
Sources (1)
- henricofcu.org · captured Oct 22, 2026
Share Certificate
Up to 4.10%APY · 4 terms
Membership eligibility required. Early withdrawal penalty applies. Minimum deposit to open is $1,000. Funds compounded monthly.
| Term | APY · $1,000 and up | APY · $25,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 monthsEarly withdrawal penalty will or may be imposed. Dividends earned on entire account balance once minimum balance is met. Membership eligibility required | 2.75% | — | 2.75% | 2.75%2.75% from $100k | $137 |
| 12 monthsEarly withdrawal penalty will or may be imposed. Dividends earned on entire account balance once minimum balance is met. Membership eligibility required | 4.00% | 4.00% | 4.00% | 4.00%4.00% from $25k4.00% from $100k | $400 |
| 24 monthsEarly withdrawal penalty will or may be imposed. Dividends earned on entire account balance once minimum balance is met. Membership eligibility required | 4.00% | 4.00% | 4.00% | 4.00%4.00% from $25k4.00% from $100k | $816 |
| 36 monthsEarly withdrawal penalty will or may be imposed. Dividends earned on entire account balance once minimum balance is met. Membership eligibility required | 4.10% | 4.10% | 4.10% | 4.10%4.10% from $25k4.10% from $100k | $1,281 |
Sources (2)
All captured Oct 22, 2026
Special-purpose accounts
Youth Share Certificates
6.00%APY · 1 term
For individuals 21 and younger. Limit one account per member. Minimum opening balance $100, maximum balance $1,000. Early withdrawal penalties apply. Membership eligibility required.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsFor individuals 21 and younger. Limit one account per member. Early withdrawal penalties apply. Membership eligibility required | 6.00% | — |
Sources (1)
- henricofcu.org/Save-Spend/Share-Certificates · captured Oct 22, 2026
Who can join Henrico Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.