Compare Bank & Credit Union Rates
Best CD rates in Virginia
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 181–195 results in Virginia
- 2.80%APY$864 over 36 months on $10,000
Requirements
Product: ABNB Certificates require a minimum deposit of $1,000. Early withdrawal penalties apply.
2.76% interest rate
Rate checked
More details - 2.78%APY$278 over 1 year on $10,000
Requirements
Product: Early withdrawal penalties apply. Standard CDs receive a 0.25% interest rate bump when paired with an accompanying qualifying F&M Bank primary checking account (Money Market Accounts do not qualify).
2.75% interest rate
Rate checked
More details - 2.78%APY$564 over 24 months on $10,000
Requirements
Product: Minimum to open is $1,000.00 and minimum to earn APY is $1,000.00. Early withdrawal penalty may apply. Membership required.
2.75% interest rate
Rate checked
More details - 2.63%APY$1,094 over 48 months on $10,000
Requirements
Product: Compounding: terms < 12 months compound at maturity; >= 12 months compound monthly. Minimum opening deposit is $2,500 on 90-day CD and $500 on all other terms. Early withdrawal penalties: 3 months of interest for terms <= 12 months, 6 months of interest for terms > 12 months. Renewable CDs automatically reinvest at maturity. No penalty CD allows one withdrawal of principal after 7 days without penalty. No monthly fee. No minimum balance after opening to earn APY.
Offer: Interest compounds and pays monthly. Minimum opening deposit $500. Early withdrawal penalty is 6 months of interest.
2.60% interest rate · Effective Sep 10, 2026
Rate checked
More details - 2.62%APY$807 over 36 months on $10,000
Requirements
Product: Dividends compounded and credited quarterly. Additional deposits not allowed. Withdrawals of dividends only. A penalty may apply for early withdrawal (up to 180 days of interest).
Offer: Fixed rate. Penalty may apply for early withdrawal.
2.59% interest rate · Effective Oct 1, 2026
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More details - 2.52%APY$252 over 1 year on $10,000
Requirements
Product: Allows one penalty-free withdrawal after six months. Penalty-free early withdrawal exception applies. Standard rate increase of 0.25% available with an accompanying primary checking account (Money Market Accounts do not qualify).
2.50% interest rate
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More details - 2.50%APYintro rate
Requirements
Product: Minimum opening deposit $500. Available at branch locations.
Offer: Term: 3 to 5 months.
Promotional rate
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More details - 2.50%APY$250 over 1 year on $10,000
Requirements
Product: Special CD. No early withdrawal penalty.
Offer: No early withdrawal penalty.
2.48% interest rate · Effective Sep 30, 2026
Rate checked
More details - 2.50%APY$1,314 over 60 months on $10,000
Requirements
Product: Fixed rate for term. Penalty for early withdrawal: 24 months interest. 7 calendar days grace period. Interest compounded and credited monthly.
Offer: Fixed rate for term. Penalty for early withdrawal: 24 months interest. 7 calendar days grace period. Interest compounded and credited monthly.
Effective Oct 1, 2026
Rate checked
More details - 2.47%APY$1,298 over 60 months on $10,000
Requirements
Product: Quarterly compounding. A penalty may be imposed for withdrawal before maturity. Fees could reduce earnings.
Offer: Quarterly compounding. A penalty may be imposed for withdrawal before maturity.
2.45% interest rate · Effective Sep 18, 2026
Rate checked
More details - 2.35%APY
Requirements
Product: Federally insured by NCUA up to $250,000. Dividends are compounded and credited quarterly. Rates shown not available in VA, NC, UT, NV, or TX. Early withdrawals are subject to an early withdrawal penalty. Flex Term Share Certificates will automatically renew at the lower standard share certificate term for the rate in effect on the renewal date, unless the owner(s) notifies the credit union to the contrary on or before the maturity date. All renewing certificates receive a 0.10% rate rewards until further notice (excluding 6 month and 12 month No Penalty and promotional certificates). Rate increase of 0.10% APY available on any 12 month+ certificate renewal with Essential Checking.
Offer: Rates shown not available in VA, NC, UT, NV, or TX. Dividends compounded and credited quarterly. Early withdrawal penalty applies. Flex Term Share Certificates automatically renew at lower standard share certificate term.
2.33% interest rate · Effective Oct 15, 2026
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More details - National Capital BankPlatinum Account Holders Certificates of DepositCD · 6 months · $1,000 min
Bank · 1 branch
2.18%APY$108 over 6 months on $10,000with conditionsRequirements
Product: For Platinum account holders. Rate is 0.10% higher than standard CD rates and may differ at renewal. Early withdrawal penalty and fees could reduce earnings. For Platinum Checking and ePlatinum Interest Checking, one penalty-free withdrawal up to $2,500 allowed under specified balance and time conditions.
Offer: Early withdrawal penalty: 90 days' simple interest.
Qualified rate · 2.16% interest rate · Effective Feb 19, 2026
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More details - 2.14%APY
Requirements
Product: Time deposit with a fixed interest rate. Early withdrawal penalty may be imposed and may reduce earnings.
Offer: One Year (12 - 17 Months). Minimum balance to earn APY: None.
2.12% interest rate · Effective Oct 22, 2026
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More details - 2.08%APY$103 over 6 months on $10,000
Requirements
Product: Fixed-rate terms ranging from 3 to 36 months. Interest is compounded and credited to the CD on a monthly basis. Early withdrawal penalty may apply.
Offer: Early withdrawal penalty: 90 days' simple interest.
2.06% interest rate · Effective Feb 19, 2026
Rate checked
More details - Virginia State University Federal Credit UnionShare CertificateCD · 36 months · $500 min
Credit union · 1 branch
2.02%APY$617 over 36 months on $10,000Requirements
Product: Dividends for all accounts are accrued and paid quarterly. Dividends are paid from current earnings and are declared by the Board of Directors each dividend period. Accounts closed prior to the dividend posting will forfeit all accrued dividends. Rates are subject to change without prior notice. Fees could reduce earnings.
Offer: Dividends accrued and paid quarterly. Accounts closed prior to dividend posting forfeit accrued dividends. Fees could reduce earnings.
2.00% interest rate · Effective Sep 30, 2022
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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 Virginia
1,325 CDs at 135 banks and credit unions · checked Oct 16–23
- Typical
- 3.15%
- Top 10% from
- 4.10%
- Banks, typical
- 2.14%
- Credit unions, typical
- 3.47%
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Find your bank or credit union to see all its rates and how they compare near you.
Virginia
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Hanscom Federal Credit UnionCredit union · 1 branch
- Langley Credit UnionCredit union · 19 branches
- EagleBankBank · 3 branches