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 166–180 results in Virginia
- Benchmark Community BankRegular Time Deposits / Certificates of DepositCD · 24 months · $500 min
Bank · 13 branches
3.15%APY$640 over 24 months on $10,000Requirements
Product: $500 minimum to open. Penalty for early withdrawal. Interest is compounded quarterly.
Offer: Premium rate; call local branch for information on qualifying for Premium Rates. Interest compounded quarterly. Penalty for early withdrawal.
3.11% interest rate · Compounded quarterly · Effective Oct 14, 2026
Rate checked
More details - 3.10%APY$1,649 over 60 months on $10,000
Requirements
Product: All CDs require a $500 minimum deposit. Early withdrawal penalty applies.
Offer: Rewards APY tier.
3.06% interest rate
Rate checked
More details - URW Community Federal Credit UnionBump-Up Share CertificateCD · 24 months · $5,000 min
Credit union · 6 branches
3.09%APY$628 over 24 months on $10,000Requirements
Product: Bump-up Certificate option allows adjusting the rate during the term.
Rate checked
More details - 3.05%APY$305 over 1 year on $10,000intro rate
Requirements
Product: Access money or withdraw principal and interest without penalty on interest crediting dates (every 90 days) and the 7 days thereafter. Minimum opening balance $2,500.
Offer: Interest rate of 3.00% for 4th 90 days period. Full product term is 12 months.
Promotional rate · 3.00% interest rate · Effective Sep 17, 2026
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 - Atlantic Union BankStandard Certificate of Deposit (CD)CD · 3 months · $1,000 min
Bank · 126 branches
3.00%APY$74 over 3 months on $10,000Requirements
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 - 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
Rate checked
More details - Park View Federal Credit UnionBump Up CertificateCD · 24 months · $10,000 min
Credit union · 6 branches
3.00%APY$609 over 24 months on $10,000Requirements
Product: One rate increase per certificate term initiated by member if rates rise. Increase must match current posted rate for original term. Dividends paid quarterly. Early withdrawal penalty: 90 days of dividends for terms up to 3 years; 180 days for terms longer than 3 years. Does not automatically renew for another term; upon maturity balance transferred to Regular Fixed Rate Certificate of same term at prevailing rate with $1,000 minimum opening balance. Requires credit union membership ($5.00 par value share).
Offer: Dividends paid quarterly. Early withdrawal penalty: 90 days of dividends. Allows one rate increase during term. Not automatic renewal.
2.97% interest rate · Effective Oct 1, 2026
Rate checked
More details - 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 - 3.00%APY$1,593 over 60 months on $10,000
Requirements
Product: Combination of FDIC-insured CDs working together as one investment with terms ranging from 6 to 120 months. Access to maturing CD every 6 or 12 months. Minimum opening deposit $3,000 for ladder ($1,000 per certificate).
Effective Sep 17, 2026
Rate checked
More details - 3.00%APY$1,593 over 60 months on $10,000intro rate
Requirements
Product: Penalty imposed for early withdrawal. Minimum opening balance $2,500 (or $50 online promotional offer on 13-month CD). Terms 7, 13, 25, and 49 months require a minimum new money increase of $25,000 based on average daily balances during past 30 days for promotional rates; maximum $1,000,000 per customer for promotional rate and term. Available to residents in Dollar Bank's PA and MD market areas.
Promotional rate · Effective Sep 17, 2026
Rate checked
More details - United States Senate Federal Credit UnionSmart Share CertificatesCD · 60 months · 2.99%–3.10% by balance
Credit union · 1 branch
2.99%APY$1,587 over 60 months on $10,000Requirements
Product: Requires membership eligibility. Minimum deposit $1,000. Automatic renewal upon maturity with a 10-day grace period. Early withdrawal penalties apply. Fixed dividend rates. Higher returns for jumbo balances of $200,000 or more.
2.95% interest rate
Rate by balance
Rate by balance for Smart Share Certificates Balance APY Up to $99,999Your amount 2.99% $100,000 – $199,999 3.05% $200,000 and up 3.10% Rate checked
More details - Truliant Federal Credit UnionFlex CertificatesCD · 24 months · $250 min · 2.92%–3.08% by balance
Credit union · 2 branches
2.98%APY$605 over 24 months on $10,000Requirements
Offer: You may increase your dividend rate to the rate in effect at the time of your request one time prior to maturity, not to exceed 1% above the original rate.
2.89% interest rate · Effective Oct 4, 2026
Rate by balance
Rate by balance for Flex Certificates Balance APY $250 and up 2.92% $5,000 and upYour amount 2.98% $25,000 and up 3.03% $100,000 and up 3.08% Rate checked
More details - United States Senate Federal Credit UnionBump Rate Share CertificateCD · 60 months · $1,000 min · 2.89%–2.99% by balance
Credit union · 1 branch
2.89%APY$1,531 over 60 months on $10,000Requirements
Product: Requires membership eligibility. Minimum deposit $1,000. Automatic renewal upon maturity with a 10-day grace period. Early withdrawal penalties apply. Fixed dividend rates. Not pledgeable as collateral for shared secured loans. One-time rate increase option during term.
Offer: Less than $99,999 balance tier. One-time bump option applicable.
2.85% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for Bump Rate Share Certificate Balance APY $1,000 – $99,999Your amount 2.89% $100,000 – $199,999 2.94% $200,000 and up 2.99% 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 Virginia
1,325 CDs at 135 banks and credit unions · checked Oct 16–23
- Typical
- 3.15%
- Top 10% from
- 4.10%
- Banks, typical
- 2.14%
- Credit unions, typical
- 3.47%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Virginia
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Hanscom Federal Credit UnionCredit union · 1 branch
- Langley Credit UnionCredit union · 19 branches
- EagleBankBank · 3 branches