Bank · FDIC insured
VirtualBank CD Rates
VirtualBank’s best CD rate is 3.51% APY on a 1-year CD. Terms run from 1 month to 5 years. Rates checked October 25, 2026.
How VirtualBank’s CD rates compare
Compared with banks and credit unions nationwide. $10,000, best rate first.
This bank’s best
VirtualBank
3.51%APY
- Term
- 12 months
- Minimum
- $0
- Earns on $10,000
- $351
eCD
Top rate
SouthPoint Financial Credit Union
9.00%APY
- Term
- 9 months
- Minimum
- —
- Earns on $10,000
- $668
2nd-highest rate
First Federal Credit Union.
7.30%APY
- Term
- 3 months
- Minimum
- $5,000
- Earns on $10,000
- $198
VirtualBank CD score
76
CD score
Higher than 40% of U.S. banks and credit unions
- 3–8 months3–8 mo3.20%
- 9–15 months9–15 mo3.51%
- 16–30 months16–30 mo3.46%
- 31–60 months31–60 mo3.41%
- QualifiedQualified3.51%
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 VirtualBank 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.
eCD
Up to 3.51%APY · 11 terms
Currently not being offered; please check back with us at a later time. Penalty may be imposed for early withdrawal of CDs. Interest will be compounded daily and added back to principal every month.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 month | 2.48% | $20 |
| 2 months | 2.74% | $45 |
| 3 months | 2.94% | $73 |
| 6 months | 3.20% | $159 |
| 9 months | 3.25% | $243 |
| 12 months | 3.51% | $351 |
| 18 months | 3.46% | $523 |
| 24 months | 3.41% | $694 |
| 36 months | 3.41% | $1,058 |
| 48 months | 3.41% | $1,435 |
| 60 months | 3.41% | $1,825 |
Sources (1)
- virtualbank.com/rates · captured Oct 25, 2026
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.