Compare Bank & Credit Union Rates
Best CD rates in Lynchburg, VA
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Lynchburg, VA
- 4.65%APY$505 over 13 months on $10,000intro rate
Requirements
Product: Requires $5,000 new money from sources other than Freedom First Credit Union. Existing Freedom First Certificates must be within their grace period to renew and meet new money requirements. Upon maturity, 13-month Certificates will automatically renew as 12-month Certificates at prevailing APYs. Substantial penalty for early withdrawal. Valid for consumer accounts only. Fees may reduce earnings.
Offer: Requires $5,000 new money from sources other than Freedom First Credit Union. Existing Freedom First Certificates must be within their grace period to renew and meet new money requirements. Renews as 12-month certificate at prevailing APY upon maturity. Early withdrawals may incur substantial penalties. Valid for consumer accounts only.
Promotional rate · Balance cap $1,000,000 · Effective Oct 12, 2026
Rate checked
More details - Beacon Credit UnionLimited Time Special Share CertificateCD · 6 months · $2,500 min
Credit union · 2 branches
4.35%APY$215 over 6 months on $10,000intro rateRequirements
Product: $5 membership share required to qualify for Beacon products. Promotional certificates; limited time offer. Dividends compounded monthly.
Offer: Promotional certificate rate valid on new money only. Rates do not apply to IRA certificates. For 6 months promotional share certificates, early withdrawal penalty is 90 days of dividend whether earned or not. No monthly maintenance fees.
Promotional rate · 4.27% interest rate · Compounded monthly
Rate checked
More details - 4.25%APY$210 over 6 months on $10,000intro rate
Requirements
Product: Requires $5,000 new money. Minimum Certificate amounts required from sources other than Freedom First Credit Union. Existing Freedom First Certificates must be within their grace period to renew and meet new money requirements. Automatic renewal into standard 6-month Certificate upon maturity. Substantial penalty for early withdrawal. Valid for consumer accounts only.
Offer: New money required: $5,000. Existing certificates must be in grace period to renew and meet new money requirements. Renews into standard 6-month certificate at maturity. Substantial penalty for early withdrawal. Valid for consumer accounts only.
Promotional rate · Balance cap $1,000,000 · Effective Oct 12, 2026
Rate checked
More details - 4.25%APY$210 over 6 months on $10,000
Requirements
Product: Membership eligibility and credit qualification requirements may apply. Initial savings account deposit of $5 or more required for membership. Dividends compounded and credited quarterly based on average daily balance. Penalty may be imposed for early withdrawal. Service charges may reduce earnings.
4.18% interest rate · Effective Jun 1, 2026
Rate checked
More details - 4.25%APY$317 over 9 months on $10,000
Requirements
Product: A $500 minimum deposit is required. Daily balance method is used to calculate the interest. APY was calculated based on monthly compounding and assumes that all interest earned will remain on deposit until maturity. Penalties may be imposed for early CD withdrawal.
Offer: Special Promotional APY is subject to change without notice. This offer is valid for consumers only and applies to new certificates of deposit opened with qualifying funds for Woodforest checking account holders. Qualifying funds are new funds deposited into a certificate of deposit that are not from money currently or previously held in any account at Woodforest National Bank. This is a limited time offer and may be withdrawn at any time without notice.
Effective Oct 2, 2026
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 - 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 - 4.06%APY$2,202 over 60 months on $10,000
Requirements
Product: Rates as of: October 9, 2026. Rates are subject change, for the most current rates please contact us at 434.369.3000. A penalty will be imposed for early withdrawal (except No Penalty). Interest rate and APY may change after opening. Daily balance calculation. Fees could reduce earnings.
Offer: 5 Year CD. Early withdrawal penalty applies.
4.00% interest rate · Effective Oct 9, 2026
Rate checked
More details - 4.05%APY$371 over 11 months on $10,000
Requirements
Product: Available for accounts opened online only. Minimum balance to open and obtain APY is $500; maximum amount is $10,000,000. Interest is compounded and credited quarterly. Penalty may be imposed for early withdrawal. At maturity, automatically rolls into a Standard CD at the standard rate closest to the initial term unless otherwise directed.
Offer: Opened online only. Interest credited quarterly. Early withdrawal penalty may apply.
3.99% interest rate · Balance cap $10,000,000
Rate checked
More details - 4.00%APY$165 over 5 months on $10,000intro rate
Requirements
Product: Minimum opening deposit $5,000, maximum $250,000. Must be funded via ACH transfer from an external bank account. Funds must be new money, not on deposit with First Citizens within the past 90 days. Must be opened by an individual residing in a state where a First Citizens branch exists. Not available as an IRA.
Offer: Earn up to 4.00% APY on a 5-month CD.
Promotional rate
Rate checked
More details - 4.00%APY$231 over 7 months on $10,000
Requirements
Product: $500 minimum balance. Dividends and principal assumed to remain on deposit until maturity; early withdrawal subject to penalty. No monthly maintenance fee.
4.00% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.92%APY$392 over 1 year on $10,000
Requirements
Product: $5 membership share required. Fixed rate for the term. Open with as little as $500; terms from 12 months to five years. Dividends compounded monthly.
Offer: No monthly maintenance fees. No up-front fees.
3.85% interest rate · Compounded monthly
Rate checked
More details - Virginia Credit UnionSavings CertificatesCD · 12 months · $500 min · 3.85%–4.05% by balance
Credit union · 2 branches
3.86%APY$386 over 1 year on $10,000Requirements
Product: Limited to a single, one-time deposit with a term limit of 5 years (except 6 or 12 month certificates which allow ongoing contributions/add-on deposits). Early withdrawal penalty may apply. Minimum opening deposit $500.
Offer: Compounding frequency: Quarterly. Early withdrawal penalty may apply. For certificates of $50,000 or more desiring add-on feature, contact VACU for rates.
3.80% interest rate
Rate by balance
Rate by balance for Savings Certificates Balance APY $500 – $5,000 3.85% $5,000 – $50,000Your amountCompounding frequency: Monthly. 3.86% $50,000 – $100,000Compounding frequency: Monthly. 3.95% $100,000 and upCompounding frequency: Monthly. 4.05% Rate checked
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$343 over 11 months on $10,000intro rate
Requirements
Product: Special CD. Penalty will be imposed for early withdrawal.
Offer: NEW MONEY ONLY. Penalty will be imposed for early withdrawal.
Promotional rate · 3.70% interest rate · Effective Sep 30, 2026
Rate checked
More details
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 Lynchburg, VA
154 CDs at 15 banks and credit unions · checked Oct 6–22
- Typical
- 2.50%
- Top 10% from
- 4.04%
- Banks, typical
- 2.25%
- Credit unions, typical
- 3.31%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Lynchburg, VA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Beacon Credit UnionCredit union · 5 branches
- Blue Eagle Credit UnionCredit union · 1 branch
- Virginia Credit UnionCredit union · 2 branches