Credit union · NCUA insured
SalemVA Credit Union CD Rates
Top CarrotSalemVA Credit Union’s best CD rate is 4.30% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How SalemVA Credit Union’s CD rates compare
Compared with banks and credit unions near Roanoke, VA, where SalemVA Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
SalemVA Credit Union
4.25%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $425
Share Certificate
Top rate
Freedom First
4.65%APY
- Term
- 13 months
- Minimum
- $5,000
- Earns on $10,000
- $505
2nd-highest rate
Beacon Credit Union
4.35%APY
- Term
- 6 months
- Minimum
- $2,500
- Earns on $10,000
- $215
SalemVA Credit Union CD score
91
CD score
Higher than 93% of U.S. banks and credit unions
- 3–8 months3–8 mo3.90%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo4.20%
- 31–60 months31–60 mo3.90%
- QualifiedQualified4.25%
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 SalemVA 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 4.30%APY · 6 terms
Terms range from 6 months to 5 years. Low $1,000 minimum. There could be a substantial penalty for early withdrawal. Fees could reduce the earnings on the account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.90% | $193 |
| 12 months | 4.25% | $425 |
| 24 months | 4.20% | $858 |
| 36 months | 3.60% | $1,119 |
| 48 months | 3.60% | $1,520 |
| 60 months | 3.90% | $2,108 |
Sources (2)
- salemvafcu.org/accounts/savings/share-certificates
- salemvafcu.org/rates/share-cer…nd-ira-certificate-rates
All captured Oct 15, 2026
Special-purpose accounts
IRA Certificate
Up to 4.30%APY · 6 terms
IRA’s are also subject to limitations and/or penalties imposed by the IRS. There could be a substantial penalty for early withdrawal. Fees could reduce the earnings on the account. Offers Traditional and Roth IRA options.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.90% | $193 |
| 12 months | 4.25% | $425 |
| 24 months | 4.20% | $858 |
| 36 months | 3.60% | $1,119 |
| 48 months | 3.60% | $1,520 |
| 60 months | 3.90% | $2,108 |
Sources (2)
All captured Oct 15, 2026
Who can join SalemVA Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, or worship in the cities of Salem, Roanoke, town of Vinton, or Roanoke County are eligible to join Salem VA Credit Union.
Cost to join
- Membership requires an initial $5 deposit for a share as a credit union member/owner.
Membership information collected October 4, 2026.