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 91–105 results in Virginia
- 3.95%APY$295 over 9 months on $10,000
Requirements
Product: Rates subject to change without notice.
3.88% interest rate · Effective Oct 7, 2026
Rate checked
More details - 3.92%APY$227 over 7 months on $10,000
Requirements
Product: Dividends compound and credit monthly using the Average Daily Balance method. Penalties may apply for early withdrawals. Accrued dividends will not be paid if account is closed before the end of the dividend period.
Offer: Auto-renews to 12-Month certificate.
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 - 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 Funds can be withdrawn beginning 7 days after deposit.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
Rate checked
More details - Martinsville First Savings BankCertificates of Deposit Long-Term AccountsCD · 27 months · $500 min
Bank · 1 branch
3.90%APY$899 over 27 months on $10,000intro rateRequirements
Product: Long-term investment CDs. Fees could reduce earnings.
Offer: At maturity, the 27-month certificate will automatically renew for a term of 24 months. Funds must remain on deposit for the term of the certificate. A penalty for early withdrawal may apply. Accurate as of 08/14/2026. Special is available for a limited time and subject to change without notice.
Promotional rate · 3.84% interest rate · Effective Oct 4, 2026
Rate checked
More details - Richmond Heritage Federal Credit UnionShare CertificatesCD · 36 months · $500 min
Credit union · 1 branch
3.90%APY$1,216 over 36 months on $10,000Requirements
Product: After the certificate is opened, the dividend rate is fixed for the term. A penalty is imposed for early withdrawal. Dividends are compounded and credited quarterly.
3.83% interest rate · Effective Sep 1, 2026
Rate checked
More details - Virginia Credit UnionSavings CertificatesCD · 12 months · $500 min · 3.85%–4.05% by balance
Credit union · 39 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 - 3.85%APY$191 over 6 months on $10,000
Requirements
Product: Fixed rate for term. Penalty for early withdrawal: 3 months interest. 7 calendar days grace period. Interest compounded and credited at maturity.
Offer: Fixed rate for term. Penalty for early withdrawal: 3 months interest. 7 calendar days grace period. Interest compounded and credited at maturity. Term is 182 days (~6 months).
Effective Oct 1, 2026
Rate checked
More details - 3.85%APY$287 over 9 months on $10,000
Requirements
Product: Fixed rate for term. Penalty for early withdrawal: 4 months interest. 7 calendar days grace period. Interest compounded and credited at maturity.
Offer: Fixed rate for term. Penalty for early withdrawal: 4 months interest. 7 calendar days grace period. Interest compounded and credited at maturity.
Effective Oct 1, 2026
Rate checked
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
Rate checked
More details - Beach Municipal Federal Credit UnionShare CertificateCD · 12 months · $500 min · 1.07%–3.82% by balance
Credit union · 2 branches
3.82%APY$382 over 1 year on $10,000Requirements
Product: Terms ranging from 91 days to 60 months. Minimum investment of $500. Declared minimum balance is required to both open the account and earn the stated APY. Early withdrawal penalties may apply. Rates are subject to change at any time.
1.07% interest rate · Effective Jan 27, 2026
Rate by balance
Rate by balance for Share Certificate Balance APY $500 and up 1.07% $1,000 and up 2.18% $10,000 and upYour amount 3.82% Rate checked
More details - 3.82%APY$545 over 17 months on $10,000intro rate
Requirements
Product: CD Special Rates. Penalty for early withdrawal may apply; withdrawals within first 6 days subject to 7 days' interest penalty. Automatically renews at maturity into a 6-month or 12-month CD depending on initial term. 10-day grace period to withdraw funds without penalty after maturity.
Offer: Initial term 17 months. Must deposit at least $500 to open and maintain $500 daily balance to obtain disclosed APY. Renews as a 12-month CD.
Promotional rate · Effective Sep 22, 2026
Rate checked
More details - 3.82%APY$578 over 18 months on $10,000
Requirements
Product: Dividends compounded monthly and paid monthly. Early withdrawal penalty: 6 months to 18 months = 3 month dividends whether earned or not; 2 years to 5 years = 6 month dividends whether earned or not. Automatic renewal. Fees may reduce earnings on your accounts. Membership required.
Offer: Early withdrawal penalties may apply (6 months to 18 months = 3 month dividends whether earned or not). Automatic renewal. Fees may reduce earnings.
3.75% interest rate · Compounded monthly · Effective Feb 1, 2022
Rate checked
More details - Arlington Community Federal Credit UnionShare CertificateCD · 12 months · $500 min
Credit union · 4 branches
3.80%APY$380 over 1 year on $10,000with conditionsRequirements
Product: Membership eligibility requirements apply. Penalty for early withdrawal may be imposed. Fees may reduce earnings. Minimum to earn dividends is $500. Platinum APYs are 0.10% higher for members maintaining total combined monthly household average balances of $50,000+.
Offer: Platinum APY with Relationship Rewards (combined monthly household average balances $50,000+)
Qualified rate · Effective Apr 17, 2026
Rate checked
More details - ABNB Federal Credit UnionCertificatesCD · 60 months · $1,000 min · 3.80%–3.85% by balance
Credit union · 13 branches
3.80%APY$2,050 over 60 months on $10,000Requirements
Product: ABNB Certificates require a minimum deposit of $1,000. Early withdrawal penalty may apply to all certificates at 15-day x original term of dividends on amount withdrawn.
3.74% interest rate
Rate by balance
Rate by balance for Certificates Balance APY $1,000 and upYour amount 3.80% $100,000 and up 3.85% 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 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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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