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 31–45 results in Richmond, VA metro
- 3.75%APY$312 over 10 months on $10,000intro rate
Requirements
Product: Limited-time offer. Open online.
Offer: Limited-time offer. Open online.
Promotional rate
Rate checked
More details - 3.75%APY$535 over 17 months on $10,000intro rate
Requirements
Product: No monthly maintenance fee. FDIC insured up to $250,000.
Offer: Limited-time offer. No minimum balance to obtain the stated APY. Guaranteed fixed return.
Promotional rate
Rate checked
More details - 3.75%APY$2,021 over 60 months on $10,000
Requirements
Product: Minimum deposit of $1,000. Substantial penalty for early withdrawal. Federally insured by NCUA up to $250,000. Compounded quarterly. Automatic renewal with a 14-day grace period upon maturity. Membership eligibility required.
Offer: Compounded quarterly. Penalty imposed for early withdrawal. Membership eligibility required.
Compounded quarterly · Effective Oct 4, 2026
Rate checked
More details - 3.60%APY$391 over 13 months on $10,000with conditions
Requirements
Product: Promotional Certificate of Deposit valid for consumers. There is a $1,000 minimum balance to open the Certificate of Deposit and obtain Annual Percentage Yield (APY). A penalty will be imposed for early withdrawal.
Offer: Eligible for Preferred Pricing rate bonus when primary/secondary owner also owns Relationship Banking, Premier Relationship Banking, or Private Bank Checking account.
Qualified rate · 3.54% interest rate
Rate checked
More details - 3.54%APY$146 over 5 months on $10,000intro rate
Requirements
Product: No monthly maintenance fee. FDIC insured up to $250,000.
Offer: Limited-Time Offer!
Promotional rate
Rate checked
More details - 3.50%APY$380 over 13 months on $10,000intro rate
Requirements
Product: No monthly maintenance fee. A penalty will be imposed for early withdrawal.
Offer: Limited-time offer. No minimum balance to obtain the stated APY.
Promotional rate · Effective Jun 23, 2026
Rate checked
More details - 3.50%APY$712 over 24 months on $10,000
Requirements
Product: Membership required. Minimum deposit to open is $1,000.00. Minimum balance to earn stated APY is $1,000.00. Penalty may be imposed for early withdrawal. No monthly fees.
Offer: Penalty may be imposed for early withdrawal. Fees may reduce earnings.
3.45% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.45%APY$1,848 over 60 months on $10,000
Requirements
Offer: Dividends compound and credit monthly. Golden Benefits Members receive an additional 0.05%. Term deposit with early withdrawal penalty.
3.40% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.35%APY$250 over 9 months on $10,000
Requirements
Product: Standard Certificate of Deposit. There is a $1,000 minimum balance to open the Certificate of Deposit and obtain Annual Percentage Yield (APY). A penalty will be imposed for early withdrawal. Preferred Pricing rate bonus may be available with qualifying relationship checking account.
Offer: 9 Month No Penalty CD: Funds must remain on deposit at least seven days after which a full withdrawal is allowed without penalty. 9 Month No Penalty CD is not available as an IRA account.
3.30% interest rate
Rate checked
More details - 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% Rate checked
More details - The United Methodist Credit UnionSpecial 8-Month Certificate for IndividualsCD · 8 months · $1,000 min
Credit union · 1 branch
3.30%APY$219 over 8 months on $10,000Requirements
Product: For individuals. No setup or ongoing fees. 90-day interest penalty for early withdrawal.
3.25% interest rate · Effective Nov 18, 2025
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 - Credit Union of RichmondShare CertificateCD · 12 months · $500 min · 2.02%–3.03% by balance
Credit union · 1 branch
3.03%APY$303 over 1 year on $10,000Requirements
Product: Dividends compounded and paid quarterly. Early withdrawal penalties apply. Must maintain minimum balance. Requires par value of one share ($5) in membership savings account.
Offer: 12 Month Youth Special. Available for share certificate only. For members under age 18. Limit of one per member. Rolls into regular 12-month certificate at maturity. No additional deposits allowed.
Rate by balance
Rate by balance for Share Certificate Balance APY $500 – $3,000Your amount 3.03% $50,000 and upJumbo 12 month. Dividends compounded and credited quarterly. Automatic renewal. 2.02% $100,000 and upCentury 12 Month. Dividends compounded and credited quarterly. Automatic renewal. 2.52% 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
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
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%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
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