Bank · FDIC insured
National Bank of Blacksburg CD Rates
National Bank of Blacksburg’s best CD rate is 3.60% APY on a 1-year CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How National Bank of Blacksburg’s CD rates compare
Compared with banks and credit unions near Blacksburg, VA, where National Bank of Blacksburg has the most branches. $10,000, best rate first.
This bank’s best
National Bank of Blacksburg
3.60%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $360
Certificate of Deposit (CD) Specials
Top rate
Truliant Federal Credit Union
5.00%APY
- Term
- 12 months
- Minimum
- —
- Earns on $10,000
- $500
2nd-highest rate
Freedom First
4.65%APY
- Term
- 13 months
- Minimum
- $5,000
- Earns on $10,000
- $505
National Bank of Blacksburg CD score
70
CD score
Higher than 28% of U.S. banks and credit unions
- 3–8 months3–8 mo3.43%
- 9–15 months9–15 mo3.60%
- 16–30 months16–30 mo2.17%
- 31–60 months31–60 mo2.63%
- QualifiedQualified3.60%
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 National Bank of Blacksburg 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.
Certificate of Deposit (CD) Specials
Up to 3.60%APY · 2 terms
Existing CDs do not automatically renew at special rates. Minimum opening deposit is $500. Compounding: terms < 12 months compound at maturity; 12 months compound monthly. Early withdrawal penalty applies. No monthly fee. No minimum balance after opening to earn APY.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsSpecial rate. Existing CDs do not automatically renew at special rates. Interest compounds and pays at maturity. Minimum opening deposit $500. Early withdrawal penalty is 3 months of interest | 3.43% | $170 |
| 12 monthsSpecial rate. Existing CDs do not automatically renew at special rates. Interest compounds and pays monthly. Minimum opening deposit $500. Early withdrawal penalty is 3 months of interest | 3.60% | $360 |
Sources (3)
All captured Sep 19, 2026
Certificates of Deposit (CDs)
Up to 2.63%APY · 8 terms
Compounding: terms < 12 months compound at maturity; >= 12 months compound monthly. Minimum opening deposit is $2,500 on 90-day CD and $500 on all other terms. Early withdrawal penalties: 3 months of interest for terms <= 12 months, 6 months of interest for terms > 12 months. Renewable CDs automatically reinvest at maturity. No penalty CD allows one withdrawal of principal after 7 days without penalty. No monthly fee. No minimum balance after opening to earn APY.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsInterest compounds and pays at maturity. Minimum opening deposit $2,500. Early withdrawal penalty is 3 months of interest | 0.50% | $12 |
| 6 monthsInterest compounds and pays at maturity. Minimum opening deposit $500. Early withdrawal penalty is 3 months of interest | 0.75% | $37 |
| 12 monthsInterest compounds and pays monthly. Minimum opening deposit $500. Early withdrawal penalty is 3 months of interest | 1.16% | $116 |
| 18 monthsInterest compounds and pays monthly. Minimum opening deposit $500. Early withdrawal penalty is 6 months of interest | 2.07% | $312 |
| 24 monthsInterest compounds and pays monthly. Minimum opening deposit $500. Early withdrawal penalty is 6 months of interest | 2.17% | $439 |
| 36 monthsInterest compounds and pays monthly. Minimum opening deposit $500. Early withdrawal penalty is 6 months of interest | 2.53% | $778 |
| 48 monthsInterest compounds and pays monthly. Minimum opening deposit $500. Early withdrawal penalty is 6 months of interest | 2.63% | $1,094 |
| 60 monthsInterest compounds and pays monthly. Minimum opening deposit $500. Early withdrawal penalty is 6 months of interest | 2.63% | $1,386 |
Sources (4)
- nbbank.com/account-disclosure
- nbbank.com/personal/certificates-of-deposit
- nbbank.com/personal/online-rates
- nbbank.com/personal/savings-and-cds
All captured Oct 4, 2026
Special-purpose accounts
IRA's - Traditional & Roth
Up to 3.25%APY · 5 terms
Traditional and Roth IRA Certificates. Minimum opening deposit is $500. Interest compounds monthly and is paid monthly. Early withdrawal penalties apply (3 months interest for terms <= 12 months, 6 months for > 12 months; distributions under age 59 1/2 subject to penalty). No monthly fee. After account opening, no minimum balance requirement to obtain disclosed APY. Contribution limits up to $7,000 per year ($8,000 if over age 50).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsStandard schedule. Interest compounds monthly and is paid monthly. Minimum opening deposit $500. Early withdrawal penalty is 3 months of interest. Additional penalty for distributions under age 59 1/2 | 1.16% | $116 |
| 12 monthsWaynesboro, Staunton, Lynchburg, and Roanoke Office rate schedule. Interest compounds monthly and is paid monthly. Minimum opening deposit $500. Early withdrawal penalty is 3 months of interest. Additional penalty for distributions under age 59 1/2 | 3.25% | $325 |
| 18 monthsStandard schedule. Interest compounds monthly and is paid monthly. Minimum opening deposit $500. Early withdrawal penalty is 6 months of interest. Additional penalty for distributions under age 59 1/2 | 2.07% | $312 |
| 18 monthsWaynesboro, Staunton, Lynchburg, and Roanoke Office rate schedule. Interest compounds monthly and is paid monthly. Minimum opening deposit $500. Early withdrawal penalty is 6 months of interest. Additional penalty for distributions under age 59 1/2 | 2.22% | $335 |
| 24 monthsStandard schedule. Interest compounds monthly and is paid monthly. Minimum opening deposit $500. Early withdrawal penalty is 6 months of interest. Additional penalty for distributions under age 59 1/2 | 2.17% | $439 |
| 24 monthsWaynesboro, Staunton, Lynchburg, and Roanoke Office rate schedule. Interest compounds monthly and is paid monthly. Minimum opening deposit $500. Early withdrawal penalty is 6 months of interest. Additional penalty for distributions under age 59 1/2 | 2.28% | $461 |
| 36 monthsStandard schedule. Interest compounds monthly and is paid monthly. Minimum opening deposit $500. Early withdrawal penalty is 6 months of interest. Additional penalty for distributions under age 59 1/2 | 2.43% | $747 |
| 60 monthsStandard schedule. Interest compounds monthly and is paid monthly. Minimum opening deposit $500. Early withdrawal penalty is 6 months of interest. Additional penalty for distributions under age 59 1/2 | 2.63% | $1,386 |
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.