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 16–27 results in Winchester, VA-WV metro
- 3.75%APY$375 over 1 year on $10,000
Requirements
Product: Dividends compounded monthly and remain on deposit until maturity. Early withdrawal penalty applies. Must open a savings account with a minimum deposit of $5.00 for credit union membership.
3.69% interest rate · Compounded monthly · Effective Oct 1, 2026
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More details - 3.30%APY$358 over 13 months on $10,000
3.25% interest rate
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More details - 3.30%APY$358 over 13 months on $10,000
- 3.30%APY$499 over 18 months on $10,000
Requirements
Product: 18 Months term only. One monthly deposit, $500.00 minimum. Penalty may be imposed for early withdrawal.
Offer: 18 Months term only. One monthly deposit, $500.00 minimum. Compounded daily. Early withdrawal penalty of 90 days.
3.25% interest rate · Compounded daily · Effective Oct 14, 2026
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More details - 3.00%APY$275 over 11 months on $10,000
Requirements
Product: Required minimum deposit of $500. No penalty imposed for the first withdrawal during term; subsequent withdrawals may impose a penalty (lesser of dividends earned since issuance/renewal or 180 days dividends). 10-day grace period following maturity date. Not available as an IRA certificate.
Offer: One no-penalty withdrawal permitted during the term.
Effective Oct 22, 2026
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More details - 2.78%APY$278 over 1 year on $10,000
Requirements
Product: Early withdrawal penalties apply. Standard CDs receive a 0.25% interest rate bump when paired with an accompanying qualifying F&M Bank primary checking account (Money Market Accounts do not qualify).
2.75% interest rate
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More details - 2.52%APY$252 over 1 year on $10,000
Requirements
Product: Allows one penalty-free withdrawal after six months. Penalty-free early withdrawal exception applies. Standard rate increase of 0.25% available with an accompanying primary checking account (Money Market Accounts do not qualify).
2.50% interest rate
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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 - 2.47%APY$1,298 over 60 months on $10,000
Requirements
Product: Quarterly compounding. A penalty may be imposed for withdrawal before maturity. Fees could reduce earnings.
Offer: Quarterly compounding. A penalty may be imposed for withdrawal before maturity.
2.45% interest rate · Effective Sep 18, 2026
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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 - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 3 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
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 Winchester, VA-WV metro
138 CDs at 15 banks and credit unions · checked Oct 22
- Typical
- 3.20%
- Top 10% from
- 4.05%
- Banks, typical
- 2.00%
- Credit unions, typical
- 3.75%
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Winchester, VA-WV metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Apple FCUCredit union · 1 branch
- Navy Federal Credit UnionCredit union · 2 branches