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 121–135 results in Virginia
- 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 - American Partners Federal Credit UnionShare CertificatesCD · 60 months · $500 min
Credit union · 1 branch
3.75%APY$2,021 over 60 months on $10,000Requirements
Product: A penalty will be imposed for withdrawals before maturity on Certificates. Share Certificate rates remain fixed for the term of the certificate. Rates may change as determined by the Board of Directors.
3.69% interest rate · Effective Sep 1, 2026
Rate checked
More details - 3.72%APY$372 over 1 year on $10,000
Requirements
Product: Dividends compounded quarterly. Early withdrawal penalty is 90 days dividends. Fixed rate for initial term. Automatic renewal with a 7-day grace period. Requires credit union membership (1 share at $10.00 par value).
Offer: Dividends compounded and credited quarterly. Automatically renewable.
3.70% interest rate · Compounded quarterly · Effective Sep 1, 2026
Rate checked
More details - Andrews Federal Credit UnionFixed Rate Share CertificatesCD · 12 months · $1,000 min
Credit union · 2 branches
3.70%APY$370 over 1 year on $10,000Requirements
Product: Must open and maintain a minimum $1,000 balance to earn advertised APY. Must fund within 10 days of opening online. Dividends compounded and credited quarterly. Penalties apply for early withdrawal.
Offer: Must open and maintain a minimum $1,000 balance to earn advertised APY. Early withdrawal penalties apply.
3.65% interest rate
Rate checked
More details - Topside Federal Credit UnionPick-A-Term CertificateCD · 12 months · $100 min · 3.70%–3.80% by balance
Credit union · 4 branches
3.70%APY$370 over 1 year on $10,000Requirements
Product: Dividends paid at maturity for certificates less than 12 months; compounded and paid quarterly on 1 to 10 year certificates. $100 minimum balance to open and earn APY. Early withdrawal penalties apply.
3.65% interest rate · Effective Sep 28, 2026
Rate by balance
Rate by balance for Pick-A-Term Certificate Balance APY $100 – $25,000Your amount 3.70% $25,000 and up 3.80% Rate checked
More details - 3.70%APY$370 over 1 year on $10,000
Requirements
Product: Minimum balance required to open and earn stated dividends is $500. A penalty may be imposed for early withdrawal.
3.64% interest rate
Rate checked
More details - Arlington Community Federal Credit UnionNo-Penalty CertificateCD · 15 months · $500 min
Credit union · 4 branches
3.70%APY$465 over 15 months on $10,000with conditionsRequirements
Product: No penalty when balance is withdrawn anytime during the term. Not eligible for IRA certificates. Automatic renewal options available. Minimum to earn dividends is $500. Platinum APYs are 0.10% higher with Relationship Rewards at Platinum level (combined monthly household average balances $50,000+).
Offer: Platinum APY with Relationship Rewards (combined monthly household average balances $50,000+)
Qualified rate · Effective Apr 17, 2026
Rate checked
More details - Andrews Federal Credit UnionRaise Your Rate Share CertificateCD · 24 months · $1,000 min
Credit union · 2 branches
3.70%APY$754 over 24 months on $10,000Requirements
Product: Offers up to a maximum of 3 opportunities to request a rate raise to the current Fixed Rate Share Certificate rate of the same term. Account must be opened for at least 6 months before first rate raise, and at least 6 months between raises. Minimum $1,000 deposit and balance. Dividends compounded and credited quarterly. Early withdrawal penalties apply.
Offer: Must open and maintain a minimum $1,000 balance to earn advertised APY. Up to 3 rate raises allowed over term (once every 6 months). Early withdrawal penalties apply.
3.65% interest rate
Rate checked
More details - Lafayette Federal Credit UnionVariable-Rate Certificate AccountsCD · 18 months · $50 min
Credit union · 3 branches
3.66%APY$554 over 18 months on $10,000Requirements
Product: Early withdrawal penalties may apply. Rates subject to change without notice. Certificates will automatically renew upon maturity unless otherwise stipulated by the member. Dividends compounded and credited monthly. Must establish membership with Lafayette Federal Credit Union, or be an existing member. Can make additional deposits at any time.
3.60% interest rate · Effective Sep 23, 2026
Rate checked
More details - 3.65%APY$120 over 4 months on $10,000intro rate
Requirements
Product: Limited time offers for new money, not currently on deposit with National Capital Bank. Available for new, personal and business accounts. Early withdrawal penalty may be imposed and fees could reduce earnings.
Offer: Limited time offer for new money. At maturity, reverts to then 3-month term.
Promotional rate · Effective Dec 12, 2025
Rate checked
More details - 3.65%APY$211 over 7 months on $10,000intro rate
Requirements
Product: All CDs automatically renew with a 10 calendar day grace period after maturity to withdraw funds without penalty. Daily balance method used to calculate interest. Penalty may be imposed for early withdrawal.
Offer: 7 Month (Special).
Promotional rate · 3.62% interest rate · Effective Jan 30, 2026
Rate checked
More details - Northwest Federal Credit UnionRegular CertificatesCD · 12 months · $1,000 min · 3.65%–3.75% by balance
Credit union · 11 branches
3.65%APY$365 over 1 year on $10,000Requirements
Product: A $1,000 minimum deposit is required for all certificates. Dividends are posted and compounded monthly. Dividend rates remain fixed for the term of the certificate. Promotional certificates are not eligible for dividend bonus rate.
3.59% interest rate · Compounded monthly · Effective Sep 28, 2026
Rate by balance
Rate by balance for Regular Certificates Balance APY $1,000 – $99,999Your amount 3.65% $100,000 – $249,999 3.75% $250,000 and up 3.75% Rate checked
More details - National Bank of BlacksburgCertificate of Deposit (CD) SpecialsCD · 12 months · $500 min
Bank · 28 branches
3.60%APY$360 over 1 year on $10,000intro rateRequirements
Product: Existing CDs do not automatically renew at special rates. Minimum opening deposit is $500. Compounding: terms < 12 months compound at maturity; 12 months compound monthly. Early withdrawal penalty applies. No monthly fee. No minimum balance after opening to earn APY.
Offer: Special rate. Existing CDs do not automatically renew at special rates. Interest compounds and pays monthly. Minimum opening deposit $500. Early withdrawal penalty is 3 months of interest.
Promotional rate · 3.54% interest rate · Effective Sep 10, 2026
Rate checked
More details - Together Credit UnionMember Merits (Gold) Certificate of DepositCD · 12 months · $1,000 min
Credit union · 1 branch
3.60%APY$360 over 1 year on $10,000with conditionsRequirements
Product: Gold Member Merit rates available to accounts with household relationship of $25,000 or more in loan and deposit balances. Interest and dividends are paid and compounded monthly based on average daily balance. Early withdrawal penalties apply.
Qualified rate · 3.54% interest rate · Compounded monthly
Rate checked
More details - URW Community Federal Credit UnionShare CertificatesCD · 12 months · $1,000 min
Credit union · 6 branches
3.60%APY$360 over 1 year on $10,000Requirements
Product: Dividends can be withdrawn without penalty. Penalty for early withdrawal of principal balance is 180 days' dividends on the amount withdrawn. Fixed interest rate.
3.55% interest rate
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
What CDs pay in Virginia
1,325 CDs at 135 banks and credit unions · checked Oct 15–22
- Typical
- 3.15%
- Top 10% from
- 4.10%
- Banks, typical
- 2.14%
- Credit unions, typical
- 3.47%
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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