Credit union · NCUA insured
Homebase Credit Union CD Rates
Homebase Credit Union’s best CD rate is 4.02% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Homebase Credit Union’s CD rates compare
Compared with banks and credit unions near Richmond, VA, where Homebase Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Homebase Credit Union
4.02%APY
- Term
- 60 months
- Minimum
- $2,500
- Earns on $10,000
- $2,178
Share Certificate
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
Homebase Credit Union CD score
87
CD score
Higher than 75% of U.S. banks and credit unions
- 3–8 months3–8 mo2.78%
- 9–15 months9–15 mo3.87%
- 16–30 months16–30 mo3.92%
- 31–60 months31–60 mo4.02%
- QualifiedQualified4.02%
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 Homebase 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 4.02%APY · 6 terms
Requires membership with a non-refundable $1 joining fee and $25 refundable savings deposit. A minimum balance of $2,500.00 is required to open and earn dividends. Early withdrawal penalty is 180 days of dividends.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal penalty is 180 days of dividends | 2.78% | $138 |
| 12 monthsEarly withdrawal penalty is 180 days of dividends | 3.87% | $387 |
| 18 monthsEarly withdrawal penalty is 180 days of dividends | 3.87% | $586 |
| 24 monthsEarly withdrawal penalty is 180 days of dividends | 3.92% | $799 |
| 36 monthsEarly withdrawal penalty is 180 days of dividends | 3.97% | $1,239 |
| 60 monthsEarly withdrawal penalty is 180 days of dividends | 4.02% | $2,178 |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
IRA Certificate
Up to 4.02%APY · 6 terms
Requires membership with a non-refundable $1 joining fee and $25 refundable savings deposit. A minimum balance of $2,500.00 is required to open and earn dividends. Early withdrawal penalty is 180 days of dividends.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal penalty is 180 days of dividends | 2.78% | $138 |
| 12 monthsEarly withdrawal penalty is 180 days of dividends | 3.87% | $387 |
| 18 monthsEarly withdrawal penalty is 180 days of dividends | 3.87% | $586 |
| 24 monthsEarly withdrawal penalty is 180 days of dividends | 3.92% | $799 |
| 36 monthsEarly withdrawal penalty is 180 days of dividends | 3.97% | $1,239 |
| 60 monthsEarly withdrawal penalty is 180 days of dividends | 4.02% | $2,178 |
Sources (2)
All captured Oct 15, 2026
Who can join Homebase 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 anyone who lives, worships, works (or regularly conducts business in), or attends school in designated Virginia counties and cities.
Employers and groups
- Companies and other legal entities in the eligible counties can join.
Military, government and schools
- Employees of the credit union are eligible to join.
Family and household
- Spouses of persons who died while within the credit union's field of membership are eligible to join.
- Immediate family relations of current members are eligible to join.
Other ways
- Organizations within the eligible localities can join.
1 more way to join
Other ways
- Volunteers within the eligible localities can join.
Cost to join
- New membership requires a $25 savings deposit that is refundable upon account closing.
- New membership requires a $1 non-refundable membership fee.
Membership information collected October 4, 2026.