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 16–30 results in Virginia
- Andrews Federal Credit UnionSpecial 15-Month Share CertificateCD · 15 months · $500 min
Credit union · 2 branches
4.40%APY$553 over 15 months on $10,000with conditionsRequirements
Product: Must be opened with existing maturing Andrews Federal share certificate funds or must be new money, not currently vested within the Credit Union. Maximum balance allowed is $250,000. Limited time offer. At maturity, all 15-Month Share Certificates automatically renew to a 12-Month share certificate. No penalties apply for early withdrawal. Dividends compounded and credited quarterly.
Offer: Minimum of $500 to open and maintain account as well as earn the advertised APY; maximum balance $250,000. Must be opened with existing maturing Andrews Federal share certificate funds or new money. Limited time offer. No penalties apply for early withdrawal. At maturity, automatically renews to a 12-Month share certificate.
Qualified rate · 4.33% interest rate · Balance cap $250,000
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More details - 4.40%APY$899 over 24 months on $10,000with conditions
Requirements
Product: Must be an HSBC Premier client with a new or existing HSBC Premier checking account. Must be at least 18 years old. No monthly maintenance fees. Online CD maximum deposit is $2,000,000 (excluding interest); maximum deposit of $350,000 when funding with electronic transfer from another financial institution. Can be opened online only.
Offer: Online opening. Minimum balance to open is $1,000. Balance to obtain APY: more than $0.
Qualified rate
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More details - 4.40%APY$899 over 24 months on $10,000
Requirements
Product: Applies to CD accounts opened over the telephone or in a Wealth Center. Account is not available to business customers. Minimum to open is $1,000.
Offer: Opened in branch/Wealth Center or over telephone. Minimum balance to open is $1,000. Balance to obtain APY: more than $0.
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More details - 4.39%APY$439 over 1 year on $10,000intro rate
Requirements
Offer: Special 12-Month Fixed Rate CD requires new money deposits. Automatically renews at the then-prevailing published 12-month standard rate and APY.
Promotional rate · 4.30% interest rate · Effective Oct 16, 2026
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More details - Beacon Credit UnionLimited Time Special Share CertificateCD · 6 months · $2,500 min
Credit union · 10 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
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More details - Merck Employees Federal Credit UnionShare CertificateCD · 18 months · $10,000 min
Credit union · 1 branch
4.35%APY$660 over 18 months on $10,000Requirements
Product: Must be a member in good standing with the credit union. No additional deposits permitted after opening; early withdrawals forfeit all interest earned / subject to early withdrawal penalty. Dividends compounded and credited at maturity.
4.35% interest rate · Effective Jan 1, 2026
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More details - 4.30%APY$213 over 6 months on $10,000intro rate
Requirements
Product: Must be funded completely with new deposits (funds not currently on deposit with Chartway Credit Union). Minimum $500 to open ($100 if under 18 years old). Early withdrawal penalty applies. Renews at current 6-month certificate rate.
Offer: New deposits only from non-Chartway account. $500 minimum ($100 if under 18). Renews at standard 6-month certificate rate. Early withdrawal penalty applies.
Promotional rate · Effective Sep 1, 2026
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More details - 4.30%APY$467 over 13 months on $10,000intro rate
Requirements
Product: On all Certificates: Dividends are calculated on Daily Balance method, compounded and paid Quarterly. $1,000.00 minimum deposit. CD withdrawal penalties: up to 1 year: 90 days interest, over 1 year: 180 days interest. Additional promotions do not apply to 13 month special.
Offer: 13 Month Special. Additional promotions do not apply to 13 month special.
Promotional rate · 4.25% interest rate
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More details - InFirst Federal Credit UnionShare Certificate SpecialsCD · 15 months · $1,000 min
Credit union · 6 branches
4.30%APY$540 over 15 months on $10,000intro rateRequirements
Product: Must be entirely funded with new money (funds not currently on deposit at InFirst FCU). Limit 4 per member. No add-on features. Minimum opening balance $1,000; maximum balance $750,000. At maturity, automatically rolls over to the next-lowest standard certificate term (7-month to 6-month, 11-month to 6-month, 15-month to 1-year). Early withdrawal penalty applies. Membership required.
Offer: Must be entirely funded with new money. Limit 4 per member. No add-on features. At maturity rolls over to 1-year standard certificate term. Early withdrawal penalty applies. Membership required.
Promotional rate · 4.23% interest rate · Balance cap $750,000 · Effective Oct 1, 2026
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More details - 4.30%APY$540 over 15 months on $10,000intro rate
Requirements
Product: Must fund with new money, defined as funds deposited into BCU within the last 30 days and not previously on deposit within 90 days. $500 minimum opening deposit. Early withdrawal penalty applies.
Offer: Rewards APY tier. Requires new money.
Promotional rate · 4.22% interest rate
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More details - Northwest Federal Credit UnionCommunity 5 Month CertificateCD · 5 months · $1,000 min
Credit union · 11 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
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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
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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
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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
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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
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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 15–22
- Typical
- 3.15%
- Top 10% from
- 4.10%
- Banks, typical
- 2.14%
- Credit unions, typical
- 3.47%
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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