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 46–57 results in Richmond, VA metro
- 3.00%APY$954 over 37 months on $10,000intro rate
Requirements
Product: Penalty may be imposed for early withdrawal. Renews as a 37-month CD at current board rate. Limited time offer.
Offer: Limited time offer. Renews as a 37-month CD at the current board rate. Penalty for early withdrawal may apply.
Promotional rate · Effective Sep 21, 2026
Rate checked
More details - 2.62%APY$807 over 36 months on $10,000
Requirements
Product: Dividends compounded and credited quarterly. Additional deposits not allowed. Withdrawals of dividends only. A penalty may apply for early withdrawal (up to 180 days of interest).
Offer: Fixed rate. Penalty may apply for early withdrawal.
2.59% interest rate · Effective Oct 1, 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 - Virginia State University Federal Credit UnionShare CertificateCD · 36 months · $500 min
Credit union · 1 branch
2.02%APY$617 over 36 months on $10,000Requirements
Product: Dividends for all accounts are accrued and paid quarterly. Dividends are paid from current earnings and are declared by the Board of Directors each dividend period. Accounts closed prior to the dividend posting will forfeit all accrued dividends. Rates are subject to change without prior notice. Fees could reduce earnings.
Offer: Dividends accrued and paid quarterly. Accounts closed prior to dividend posting forfeit accrued dividends. Fees could reduce earnings.
2.00% interest rate · Effective Sep 30, 2022
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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 - 1.90%APY
Requirements
Product: This rate is subject to change. Minimum balance to open is $1,000. A penalty may be imposed for early withdrawal. Fees may reduce earnings.
Offer: Rate subject to change. A penalty may be imposed for early withdrawal. Fees may reduce earnings.
1.89% interest rate · Effective Oct 15, 2026
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More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 38 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 - 1.55%APY$799 over 60 months on $10,000
Requirements
Product: Interest accrues daily and compounds quarterly if added to the CD balance. Early withdrawal penalties apply. CD interest can be added to the CD balance, deposited into another First Bank account, or paid by check.
1.55% interest rate · Effective Sep 30, 2026
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More details - 1.50%APY$773 over 60 months on $10,000
Requirements
Product: Early withdrawal penalty will be imposed, if applicable. Fixed rate with interest compounded and paid quarterly.
Offer: Accurate as of 9/24/2026. Minimum balance to earn APY is $500.00. Early withdrawal penalty will be imposed.
Effective Sep 24, 2026
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More details - The United Methodist Credit UnionShare CertificateCD · 6–60 months · $1,000 min
Credit union · 1 branch
1.11%APYRequirements
Product: No setup or ongoing fees. Penalty up to 90 days interest for early redemption. Rates stay fixed for selected term.
1.10% interest rate · Effective Nov 18, 2025
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More details - 0.05%APY$2 over 6 months on $10,000with conditions
Requirements
Product: CD ladders are a group of four CDs opened at the same time for the same amount with different terms, with a minimum of $1,000 in each CD. A linked Chase Private Client Checking account is required.
Offer: 12-month CD ladder relationship rate. Requires linked Chase Private Client Checking account.
Qualified rate · 0.02% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD Ladder Balance APY Up to $9,999 0.02% $10,000 – $99,999Your amount 0.05% $100,000 and up 0.05% 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
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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