Compare Bank & Credit Union Rates
Best CD rates in Herndon, VA
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Herndon, VA
- 5.00%APY$3,292 over 70 months on $10,000intro rate
Requirements
Product: Minimum deposit $500. Limited-time bonus certificate rates celebrating 70 years; valid for funds currently held at Apple FCU and new money transferred from another institution. Early withdrawal penalties apply (over 6 to 60 months: lesser of dividends earned or 180 days dividends; greater than 60 months: lesser of dividends earned or 1095 days dividends). 10-day renewal grace period.
Offer: Automatically renews as a 60-month Certificate at maturity unless notified otherwise.
Promotional rate · Effective Oct 21, 2026
Rate checked
More details - 4.40%APY$403 over 11 months on $10,000
Requirements
Product: Must be at least 18 years old and a U.S. citizen or lawful permanent resident with a U.S. physical address. CD account balance may not exceed $1,000,000. Early withdrawal penalties apply (3 months interest for terms <= 12 months, 6 months interest for terms > 12 months).
4.31% interest rate · Balance cap $1,000,000 · Effective Oct 16, 2026
Rate checked
More details - Northwest Federal Credit UnionCommunity 5 Month CertificateCD · 5 months · $1,000 min
Credit union · 2 branches
4.25%APY$175 over 5 months on $10,000intro rateRequirements
Product: Exclusive offer available only in-person at the Great Falls Branch. Must be funded with money not currently on deposit at Northwest Federal. Promotional certificates are not eligible for a dividend rate bonus.
Offer: Exclusive offer available only in-person at the Great Falls Branch. Must be funded with money not currently on deposit at Northwest Federal. Promotional certificates are not eligible for a dividend rate bonus.
Promotional rate · 4.17% interest rate
Rate checked
More details - 4.25%APY$389 over 11 months on $10,000with conditions
Requirements
Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.
Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.
Qualified rate · 4.16% interest rate · Effective Oct 3, 2026
Rate checked
More details - PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 1 branch
4.25%APY$461 over 13 months on $10,000intro rateRequirements
Product: A minimum opening deposit of $1,000 is required for all CD accounts. Penalty for early withdrawal. Fees may reduce earnings. At the end of Promotional CD term, account automatically converts to the Standard consumer CD term that is closest to but not greater than Promotional CD term, at the applicable Standard rate. No withdrawals without penalty within first seven days. No partial withdrawals permitted. The $1.00 - $999.99 tier is for Renewal Only.
Offer: Renewal Only. Promotional rate.
Promotional rate · 0.01% interest rate · Effective Oct 21, 2026
Rate by balance
Rate by balance for Fixed Rate Certificate of Deposit (CD) Balance APY Up to $1,000 0.01% $1,000 and upYour amount 4.25% Rate checked
More details - 4.15%APY$450 over 13 months on $10,000intro rate
Requirements
Product: $1,000 minimum opening deposit. After account opening, there is no minimum balance requirement to obtain the disclosed APY. At maturity, automatically renews to the Standard CD term (3, 6, or 12 months) closest to but not greater than the special term at the applicable standard rate. Early withdrawal penalties and fees may reduce earnings. Rates may vary by location.
Offer: Renews to Standard CD 12 Month (1 Year) term upon maturity.
Promotional rate · 4.08% interest rate · Effective Oct 16, 2026
Rate checked
More details - 4.00%APY$231 over 7 months on $10,000intro rate
Requirements
Product: Valid for consumers only. Minimum deposit of $10,000 new money to the bank is required to open and obtain APY. New money is defined as funds not on deposit with Fulton Bank at time of account opening. Preferred Pricing rate bonus not available for this account. A penalty will be imposed for early withdrawal.
Offer: Requires $10,000 minimum balance in new money to the bank.
Promotional rate · 3.92% interest rate · Effective May 21, 2026
Rate checked
More details - Northwest Federal Credit UnionFounders 9 Month CertificateCD · 9 months · $1,000 min
Credit union · 2 branches
4.00%APY$299 over 9 months on $10,000intro rateRequirements
Product: Exclusive offer available only in-person at the Great Falls Branch. Must be funded with money not currently on deposit at Northwest Federal. Promotional certificates are not eligible for a dividend rate bonus.
Offer: Exclusive offer available only in-person at the Great Falls Branch. Must be funded with money not currently on deposit at Northwest Federal. Promotional certificates are not eligible for a dividend rate bonus.
Promotional rate · 3.93% interest rate
Rate checked
More details - 3.90%APY$390 over 1 year on $10,000
Requirements
Product: Early withdrawal penalty may apply. Fees may reduce earnings. Funds can be withdrawn beginning 7 days after deposit. Automatic rollover at maturity. Fixed rate and term. FDIC insured.
Offer: 1 Year term. Minimum to open and obtain APY is $500.
3.83% interest rate · Effective Oct 4, 2026
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More details - 3.85%APY$583 over 18 months on $10,000with conditions
Requirements
Product: Requires an eligible/qualifying M&T Bank checking account (such as MyChoice Premium Checking, M&T Select, M&T Select With Interest, Power Checking, or Advantage Checking). Maximum deposit is $1,000,000 per account ($750,000 if opened online). Minimum balance to obtain APY is $1.00. Early withdrawal penalties apply.
Offer: Requires a qualifying checking account. Maximum deposit is $1,000,000 ($750,000 if opened online). Minimum balance to obtain APY is $1.00.
Qualified rate · 3.78% interest rate · Balance cap $1,000,000 · Effective Jul 30, 2026
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More details - 3.75%APY$217 over 7 months on $10,000
Requirements
Product: At maturity, automatically renews into a 3 Month Flexible CD at a lower interest rate unless changed during 7-day grace period. Online opening limit is $250,000.
3.69% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Featured CD Balance APY Up to $9,999 3.75% $10,000 – $99,999Your amount 3.75% $100,000 – $999,999 4.11% $1,000,000 and up 4.11% Rate checked
More details - 3.75%APY$375 over 1 year on $10,000
Requirements
Product: Minimum deposit of $500 required. Early withdrawal penalties apply: 6 months or less: lesser of dividends earned since issuance/renewal or 90 days dividends; over 6 to 60 months: lesser of dividends earned or 180 days dividends; greater than 60 months: lesser of dividends earned or 1095 days dividends. 10-day grace period following maturity date.
Effective Oct 22, 2026
Rate checked
More details - Northwest Federal Credit UnionRegular CertificatesCD · 12 months · $1,000 min · 3.65%–3.75% by balance
Credit union · 2 branches
3.65%APY$365 over 1 year on $10,000Requirements
Product: A $1,000 minimum deposit is required for all certificates. Dividends are posted and compounded monthly. Dividend rates remain fixed for the term of the certificate. Promotional certificates are not eligible for dividend bonus rate.
3.59% interest rate · Compounded monthly · Effective Sep 28, 2026
Rate by balance
Rate by balance for Regular Certificates Balance APY $1,000 – $99,999Your amount 3.65% $100,000 – $249,999 3.75% $250,000 and up 3.75% Rate checked
More details - 3.60%APY$391 over 13 months on $10,000with conditions
Requirements
Product: Promotional Certificate of Deposit valid for consumers. There is a $1,000 minimum balance to open the Certificate of Deposit and obtain Annual Percentage Yield (APY). A penalty will be imposed for early withdrawal.
Offer: Eligible for Preferred Pricing rate bonus when primary/secondary owner also owns Relationship Banking, Premier Relationship Banking, or Private Bank Checking account.
Qualified rate · 3.54% interest rate
Rate checked
More details - 3.35%APY$250 over 9 months on $10,000
Requirements
Product: Standard Certificate of Deposit. There is a $1,000 minimum balance to open the Certificate of Deposit and obtain Annual Percentage Yield (APY). A penalty will be imposed for early withdrawal. Preferred Pricing rate bonus may be available with qualifying relationship checking account.
Offer: 9 Month No Penalty CD: Funds must remain on deposit at least seven days after which a full withdrawal is allowed without penalty. 9 Month No Penalty CD is not available as an IRA account.
3.30% interest rate
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Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What CDs pay in Herndon, VA
139 CDs at 10 banks and credit unions · checked Oct 4–22
- Typical
- 3.15%
- Top 10% from
- 4.02%
- Banks, typical
- 2.50%
- Credit unions, typical
- 3.75%
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Washington, DC-VA-MD-WV metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Educational Systems Federal Credit UnionCredit union · 9 branches
- Hanscom Federal Credit UnionCredit union · 1 branch
- Tower Federal Credit UnionCredit union · 2 branches