Compare Bank & Credit Union Rates
Best CD rates and certificates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 16–30 results in Lynchburg, VA metro
- National Bank of BlacksburgCertificate of Deposit (CD) SpecialsCD · 12 months · $500 min
Bank · 1 branch
3.60%APY$360 over 1 year on $10,000intro rateRequirements
Product: Existing CDs do not automatically renew at special rates. Minimum opening deposit is $500. Compounding: terms < 12 months compound at maturity; 12 months compound monthly. Early withdrawal penalty applies. No monthly fee. No minimum balance after opening to earn APY.
Offer: Special rate. Existing CDs do not automatically renew at special rates. Interest compounds and pays monthly. Minimum opening deposit $500. Early withdrawal penalty is 3 months of interest.
Promotional rate · 3.54% interest rate · Effective Sep 10, 2026
Rate checked
More details - The Farmers Bank of AppomattoxCertificates of DepositCD · 6 months · $1,000 min · 3.20%–3.50% by balance
Bank · 4 branches
3.20%APY$159 over 6 months on $10,0003.18% interest rate · Effective Sep 30, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 and upYour amount 3.20% $100,000 and up 3.50% Rate checked
More details - 3.15%APY$315 over 1 year on $10,000
Requirements
Product: A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term or following any partial withdrawal. Automatically renews into a 3 Month Flexible CD at maturity unless changed during 7-day grace period. Online opening limit is $250,000.
3.11% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Flexible CD Balance APY Up to $9,999 3.15% $10,000 – $99,999Your amount 3.15% $100,000 – $999,999 3.65% $1,000,000 and up 3.65% Rate checked
More details - 3.03%APY$303 over 1 year on $10,000
Requirements
Product: Interest compounded based on CD term (quarterly, semi-annually, or at maturity). Automatically renewable. Penalty may apply for early withdrawal. Free with eStatements.
Offer: Average daily balance range: All Balances. Free with eStatements. Penalty may apply for early withdrawal. Automatically renewable.
3.00% interest rate · Effective May 1, 2026
Rate checked
More details - 3.00%APY$74 over 3 months on $10,000
Requirements
Product: $1,000 minimum opening deposit. After account opening, there is no minimum balance requirement to obtain the disclosed APY. Early withdrawal penalties and fees may reduce earnings. Rates may vary by location.
2.96% interest rate · Effective Oct 16, 2026
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 - 2.50%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 - 2.00%APY$200 over 1 year on $10,000
Requirements
Product: Open at nearest United Bank branch. Minimum opening deposit is $500.
Offer: Open at nearest United Bank branch.
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More details - 2.00%APY$612 over 36 months on $10,000with conditions
Requirements
Product: Preferred Certificates require an active CVFCU checking account or CVFCU credit card. Early withdrawal penalties apply.
Offer: Requires an active CVFCU checking account or CVFCU credit card.
Qualified rate
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More details - 1.95%APY$596 over 36 months on $10,000
Requirements
Product: Early withdrawal penalties apply.
Rate checked
More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 6 branches
1.76%APYwith conditionsRequirements
Product: Fixed rate CD. Standard opening minimum deposit is $2,500. Early withdrawal penalties apply.
Offer: Relationship rate; requires eligible linked checking account.
Qualified rate · 1.74% interest rate · Effective Oct 3, 2026
Rate by balance
Rate by balance for Consumer Fixed Rate Time Account Balance APY Up to $100,000Your amount 1.76% $100,000 and up 2.27% Rate checked
More details - Beacon Credit Union12 Month Bump Share CertificateCD · 12 months · $500 min
Credit union · 5 branches
1.65%APY$165 over 1 year on $10,000Requirements
Product: $5 membership share required. Dividends compounded monthly.
Offer: 12 month bump certificate. No monthly maintenance fees. No up-front fees.
1.64% interest rate · Compounded monthly
Rate checked
More details - 1.10%APY$562 over 60 months on $10,000
Requirements
Product: Additional Deposits not allowed. Withdrawals allowed. Dividends compounded and credited monthly. Penalties may apply for early withdrawal. Rates subject to change without notice. Minimum deposit required to earn dividends varies.
Rate checked
More details - 0.03%APY
Requirements
Product: Fixed rate account. Applicable rate paid until CD matures. Online opening limit is $250,000. Early withdrawal penalty applies.
Offer: Term: 6-11 Months. Balance tier: Less than $10,000.
0.03% interest rate · Effective Oct 5, 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 metro
166 CDs at 17 banks and credit unions · checked Oct 6–22
- Typical
- 2.50%
- Top 10% from
- 4.00%
- Banks, typical
- 2.25%
- Credit unions, typical
- 3.31%
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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