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 Richmond, VA metro
- 4.00%APY$265 over 8 months on $10,000with conditions
Requirements
Product: $500 Minimum balance to open for all shares except 40 Month ($5,000 Minimum). Standard Certificates include: 12-month, 24-month, 36-month, 48-month, and 60-month terms. All other certificates are special. Member has option to bump up rate one time during term on 40-month certificate. Withdrawals before maturity may impose penalty/closure.
Offer: To qualify for 8-month certificate rate of 4.00% APY, member must have direct deposit to any 1st Advantage checking account. Additional offers may not be combined. Not available on IRA Certificates. Withdrawals before maturity may impose penalty/closure.
Qualified rate · 3.94% interest rate · Effective Jul 28, 2026
Rate checked
More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Offer: You can add money any time until maturity. No maximum balance.
3.92% interest rate · Effective Oct 22, 2026
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More details - 4.00%APY$434 over 13 months on $10,000intro rate
Requirements
Product: Penalty may be imposed for early withdrawal. Renews as a 13-month CD at the current board rate. Limited time offer.
Offer: Limited time offer. Renews as a 13-month CD at the current board rate. Penalty for early withdrawal may apply.
Promotional rate · Effective Sep 21, 2026
Rate checked
More details - 4.00%APY$434 over 13 months on $10,000with conditions
Requirements
Product: Must have an existing First National Bank consumer or business checking account or open a new First National Bank consumer or business checking account. Not available for rollovers or transfers from other First National Bank deposit accounts or public funds. New money may be required. Penalty for early withdrawal.
Offer: Accurate as of 9/24/2026. Minimum balance to earn APY is $5,000.00. Early withdrawal penalty will be imposed.
Qualified rate · Effective Sep 24, 2026
Rate checked
More details - 4.00%APY$502 over 15 months on $10,000intro rate
Requirements
Product: Limited time only. Requires $1,000 minimum deposit in new money only. Early withdrawal penalty applies. Membership eligibility required.
Offer: Limited time only. New money only. $1,000 minimum. Penalty for early withdrawal applies.
Promotional rate
Rate checked
More details - 4.00%APY$571 over 17 months on $10,000intro rate
Requirements
Product: Online CD promotion. Open online in minutes. Fixed APY.
Offer: Open online in minutes. Limited-time promotional online CD.
Promotional rate
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More details - 4.00%APY$606 over 18 months on $10,000intro rate
Requirements
Product: Penalty for early withdrawal. No additional deposits until maturity. Automatically renews within 10 calendar days of maturity at current market value.
Offer: $1,000 minimum balance.
Promotional rate · 3.93% interest rate · Effective Sep 1, 2026
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More details - 4.00%APY$2,167 over 60 months on $10,000
Requirements
Product: Dividends compounded and paid quarterly. Early withdrawal penalties apply.
3.94% interest rate · Effective Jul 1, 2026
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More details - Peoples Advantage FCUShare CertificateCD · 60 months · $1,000 min · 4.00%–4.10% by balance
Credit union · 4 branches
4.00%APY$2,167 over 60 months on $10,000Requirements
Product: Calculation based on $1,000; early withdrawal penalty may apply. Dividends paid and compounded quarterly.
3.94% interest rate · Compounded quarterly · Effective Jul 1, 2026
Rate by balance
Rate by balance for Share Certificate Balance APY $1,000 – $50,000Your amount 4.00% $50,000 and up 4.10% Rate checked
More details - Vantage Point Federal Credit UnionShare CertificatesCD · 60 months · $1,000 min
Credit union · 1 branch
3.97%APY$2,149 over 60 months on $10,000Requirements
Product: Dividends are accrued and paid monthly. Dividends are declared by the Board of Directors each dividend period. Accounts closed prior to dividend posting forfeit all accrued dividends. Early withdrawal penalty applies (180 days interest).
3.90% interest rate · Effective Oct 1, 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 · 18 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$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
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More details - 3.75%APY$217 over 7 months on $10,000intro rate
Requirements
Product: No IRAs or SCM accounts. Penalty may be imposed for early withdrawal. Renews as a 7-month CD at current board rate. Limited time offer.
Offer: No IRAs or SCM accounts. Limited time offer. Renews as a 7-month CD at the current board rate. Early withdrawal penalty may apply.
Promotional rate · Effective Sep 21, 2026
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
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 Richmond, VA metro
375 CDs at 35 banks and credit unions · checked Oct 6–22
- Typical
- 2.20%
- Top 10% from
- 4.00%
- Banks, typical
- 1.50%
- Credit unions, typical
- 3.50%
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Richmond, VA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Langley Credit UnionCredit union · 1 branch
- Primis BankBank · 9 branches
- Peoples Advantage FCUCredit union · 4 branches