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Best CD rates and certificates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Reston, VA
- 4.25%APY$389 over 11 months on $10,000with conditions
Requirements
Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.
Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.
Qualified rate · 4.16% interest rate · Effective Oct 3, 2026
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More details - 4.25%APY$425 over 1 year on $10,000
4.16% interest rate
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More details - PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 1 branch
4.25%APY$461 over 13 months on $10,000intro rateRequirements
Product: A minimum opening deposit of $1,000 is required for all CD accounts. Penalty for early withdrawal. Fees may reduce earnings. At the end of Promotional CD term, account automatically converts to the Standard consumer CD term that is closest to but not greater than Promotional CD term, at the applicable Standard rate. No withdrawals without penalty within first seven days. No partial withdrawals permitted. The $1.00 - $999.99 tier is for Renewal Only.
Offer: Renewal Only. Promotional rate.
Promotional rate · 0.01% interest rate · Effective Oct 21, 2026
Rate by balance
Rate by balance for Fixed Rate Certificate of Deposit (CD) Balance APY Up to $1,000 0.01% $1,000 and upYour amount 4.25% Rate checked
More details - 4.15%APY$450 over 13 months on $10,000intro rate
Requirements
Product: $1,000 minimum opening deposit. After account opening, there is no minimum balance requirement to obtain the disclosed APY. At maturity, automatically renews to the Standard CD term (3, 6, or 12 months) closest to but not greater than the special term at the applicable standard rate. Early withdrawal penalties and fees may reduce earnings. Rates may vary by location.
Offer: Renews to Standard CD 12 Month (1 Year) term upon maturity.
Promotional rate · 4.08% interest rate · Effective Oct 16, 2026
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More details - 4.11%APY$376 over 11 months on $10,000intro rate
Requirements
Offer: Must be opened in person at an MVB Bank location in West Virginia or Northern Virginia. CD Special Interest rates apply only to the initial CD term. At maturity a 5-month, 7-month or 11-month CD will automatically renew at a 6-month CD term and the "Automatic CD Renewal Rate" in effect at time of renewal. Fees could reduce earnings on the account. No Brokered CDs. A penalty may be imposed for early withdrawal. The advertised APY is based on quarterly compounding of the interest. Promotion valid beginning 10/01/2026 and subject to withdraw at any time.
Promotional rate · Balance cap $230,000 · Effective Oct 1, 2026
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More details - 4.11%APY$803 over 23 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 - 4.10%APY$237 over 7 months on $10,000intro rate
Requirements
Product: New money is required (funds not currently held by Presidential Bank from an external source). Early withdrawal penalty applies. Interest compounded and credited at maturity for terms less than 1 year. Fixed rate.
Offer: New money only (funds not currently held by Presidential Bank from an external source). Fixed rate for term. Penalty for early withdrawal: 3 months interest. 7 calendar days grace period. Automatically renews at maturity if not withdrawn.
Promotional rate · Effective Oct 1, 2026
Rate checked
More details - Navy Federal Credit UnionStandard CertificateCD · 18 months · $1,000 min · 4.10%–4.15% by balance
Credit union · 1 branch
4.10%APY$621 over 18 months on $10,000Effective Oct 22, 2026
Rate by balance
Rate by balance for Standard Certificate Balance APY $1,000 and upYour amount 4.10% $20,000 and up 4.10% $100,000 and up 4.15% Rate checked
More details - 4.05%APY$371 over 11 months on $10,000
Requirements
Product: Available for accounts opened online only. Minimum balance to open and obtain APY is $500; maximum amount is $10,000,000. Interest is compounded and credited quarterly. Penalty may be imposed for early withdrawal. At maturity, automatically rolls into a Standard CD at the standard rate closest to the initial term unless otherwise directed.
Offer: Opened online only. Interest credited quarterly. Early withdrawal penalty may apply.
3.99% interest rate · Balance cap $10,000,000
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More details - 4.05%APY$439 over 13 months on $10,000intro rate
Requirements
Product: New money is required (funds not currently held by Presidential Bank from an external source). Early withdrawal penalty applies. Interest compounded and credited monthly for terms 1 year or more. Fixed rate.
Offer: New money only (funds not currently held by Presidential Bank from an external source). Fixed rate for term. Penalty for early withdrawal: 6 months interest. 7 calendar days grace period. Automatically renews at maturity if not withdrawn.
Promotional rate · Effective Oct 1, 2026
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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 $10,000with 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
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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
Rate checked
More details - The Freedom Bank of VirginiaFreedom 9 Month Flex Your Freedom Certificate of DepositCD · 9 months · $500 min
Bank · 1 branch
3.95%APY$295 over 9 months on $10,000intro rateRequirements
Product: Limited time offer. New money and consumer deposits only. Freedom to add additional funds (depositors may add up to 100% of the original deposit amount). Interest compounded daily and paid at maturity. No withdrawals permitted for the first seven days after opening. Penalty for early withdrawal is 90 days interest.
Offer: New money and consumer deposits only. Depositors may add up to 100% of the original deposit amount. Interest paid at maturity. No withdrawals permitted for the first 7 days after opening. Early withdrawal penalty is 90 days interest.
Promotional rate · Compounded daily · Effective Oct 7, 2026
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More details - 3.95%APY$295 over 9 months on $10,000
Requirements
Product: Rates subject to change without notice.
3.88% interest rate · Effective Oct 7, 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
What CDs pay in Reston, VA
225 CDs at 14 banks and credit unions · checked Oct 4–22
- Typical
- 1.76%
- Top 10% from
- 3.95%
- Banks, typical
- 1.75%
- Credit unions, typical
- 3.85%
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Washington, DC-VA-MD-WV metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Educational Systems Federal Credit UnionCredit union · 9 branches
- Hanscom Federal Credit UnionCredit union · 1 branch
- Tower Federal Credit UnionCredit union · 2 branches