Credit union · NCUA insured
VECU Credit Union CD Rates
VECU Credit Union’s best CD rate is 1.86% APY on a 3-year share certificate (CD). Terms run from 1 year to 5 years. Rates checked October 22, 2026.
How VECU Credit Union’s CD rates compare
Compared with banks and credit unions near Virginia Beach, VA-NC, where VECU Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
VECU Credit Union
1.86%APY
- Term
- 36 months
- Minimum
- $1,000
- Earns on $10,000
- $568
Share Certificate Account
Top rate
Together Credit Union
4.50%APY
- Term
- 11 months
- Minimum
- $1,000
- Earns on $10,000
- $412
2nd-highest rate
Langley Credit Union
4.50%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,462
VECU Credit Union CD score
62
CD score
Higher than 5% of U.S. banks and credit unions
- 9–15 months9–15 mo1.00%
- 16–30 months16–30 mo1.20%
- 31–60 months31–60 mo1.86%
- QualifiedQualified1.86%
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 VECU 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 Account
Up to 1.86%APY · 5 terms
Dividends are compounded quarterly and credited quarterly and at maturity. Automatically renews at maturity. Early withdrawal penalties and some account limitations apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 1.00% | $100 |
| 24 months | 1.20% | $241 |
| 36 months | 1.86% | $568 |
| 48 months | 1.86% | $765 |
| 60 months | 1.86% | $965 |
Special-purpose accounts
IRA Certificate Account
Up to 1.86%APY · 5 terms
Dividends are compounded quarterly and credited quarterly and at maturity. Early withdrawal penalties and some account limitations apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 1.00% | $100 |
| 24 months | 1.20% | $241 |
| 36 months | 1.86% | $568 |
| 48 months | 1.86% | $765 |
| 60 months | 1.86% | $965 |
Sources (1)
- vecu.org/resources/rates/certificate · captured Sep 19, 2026
Who can join VECU Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Individuals engaged in or members of a school auxiliary and/or activity service (such as a PTA) within VECU's field of membership are eligible to join.
Military, government and schools
- Alumni of a college or university in Newport News or Williamsburg are eligible to join.
- Persons engaged in educational services at a school within VECU's field of membership are eligible to join.
- Hampton University employees, faculty members, students, or alumni are eligible to join.
- Retired educators currently residing in one of the localities included in VECU's field of membership are eligible to join.
- Employees of an educational organization or public/private school system within VECU's field of membership are eligible to join.
5 more ways to join
Military, government and schools
- Retirees of a school system within VECU's field of membership are eligible to join.
- Students in localities within VECU's field of membership are eligible to join.
- Students attending Thomas Nelson Community College are eligible to join.
Family and household
- Family members related by blood, marriage, or by law to a current VECU member are eligible to join.
- Un-remarried spouses of deceased VECU members are eligible to join.
Cost to join
- PTA membership can start as low as $5.00 per year.
Membership information collected October 4, 2026.