Credit union · NCUA insured
Peoples Advantage FCU CD Rates
Top CarrotPeoples Advantage FCU’s best CD rate is 6.17% APY on a 9-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Peoples Advantage FCU’s CD rates compare
Compared with banks and credit unions near Richmond, VA, where Peoples Advantage FCU has the most branches. $10,000, best rate first.
This credit union’s best
Peoples Advantage FCU
4.00%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,167
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
Peoples Advantage FCU CD score
86
CD score
Higher than 74% of U.S. banks and credit unions
- 3–8 months3–8 mo3.51%
- 9–15 months9–15 mo3.82%
- 16–30 months16–30 mo3.82%
- 31–60 months31–60 mo4.00%
- QualifiedQualified4.00%
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 Peoples Advantage FCU 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.
Payday Certificate
Up to 6.17%APY · 3 terms
Rates apply to the first $5,000. Any amount over $5,000 earns the base certificate rate. Minimum of two of the three certificates to qualify for the rate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsRates apply to the first $5,000; amount over $5,000 earns the base certificate rate. Minimum of two of the three certificates to qualify for the rate. Non-variable dividend rate | 5.64% | — |
| 6 monthsRates apply to the first $5,000; amount over $5,000 earns the base certificate rate. Minimum of two of the three certificates to qualify for the rate. Non-variable dividend rate | 5.90% | — |
| 9 monthsRates apply to the first $5,000; amount over $5,000 earns the base certificate rate. Minimum of two of the three certificates to qualify for the rate. Non-variable dividend rate | 6.17% | — |
Sources (1)
- peoplesadvfcu.org/savings-rates · captured Sep 19, 2026
Share Certificate
Up to 4.00%APY · 8 terms
Calculation based on $1,000; early withdrawal penalty may apply. Dividends paid and compounded quarterly.
| Term | APY · $500 and up | APY · $1,000 and up | APY · $1,000 – $50,000 | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 3 months | 2.77% | — | — | — | 2.77% | $69 |
| 6 months | 3.51% | — | — | — | 3.51% | $174 |
| 9 months | 3.51% | — | — | — | 3.51% | $262 |
| 12 months | — | 3.82% | — | — | 3.82% | $382 |
| 24 months | — | — | 3.82% | 3.92% | 3.82%3.92% from $50k | $779 |
| 36 months | — | — | 3.90% | 4.00% | 3.90%4.00% from $50k | $1,216 |
| 48 months | — | — | 3.95% | 4.05% | 3.95%4.05% from $50k | $1,676 |
| 60 months | — | — | 4.00% | 4.10% | 4.00%4.10% from $50k | $2,167 |
Sources (1)
- peoplesadvfcu.org/savings-rates · captured Sep 19, 2026
Save to Win
3.97%APY
Dividends are paid and compounded annually. Early withdrawal fee may apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends paid and compounded annually.Any balance | 3.97% | $397 | Dividends paid and compounded annually. |
Sources (1)
- peoplesadvfcu.org/savings-rates · captured Sep 19, 2026
Who can join Peoples Advantage FCU
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.