What are the current interest rates at VirtualBank?

Current rates for VirtualBank include: 12-Month CD: 3.51%, 18-Month CD: 3.46%, 24-Month CD: 3.41%, 36-Month CD: 3.41%, 48-Month CD: 3.41%, 60-Month CD: 3.41%, MMA: 3.25%

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VirtualBank Rates & Review May 2026

Item: VirtualBank
Rating: 4203
Author: QzKC

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: May 4, 2026

VirtualBank's 12-Month CD rates are at 3.51%, 18-Month CD rates are at 3.46%, 24-Month CD rates are at 3.41%, 36-Month CD rates are at 3.41%, 48-Month CD rates are at 3.41%. VirtualBank's money market rates are at 3.25%. MonitorBankRates evaluates the financial stability of VirtualBank with a 5.0 Star Rating and an A+ Overall Health Grade. Rates were last updated on 05/04/2026.

VirtualBank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at VirtualBank? Share your experience about VirtualBank by leaving a review below, or read customer reviews before you decide to use VirtualBank.

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

No Data No data

VirtualBank CD Rates

Product	Rate	APY	Term
12 Month CD	3.45%	3.51%	12
No additional details. Last Updated 05/04/2026
18 Month CD	3.40%	3.46%	18
No additional details. Last Updated 05/04/2026
24 Month CD	3.35%	3.41%	24
No additional details. Last Updated 05/04/2026
36 Month CD	3.35%	3.41%	36
No additional details. Last Updated 05/04/2026
48 Month CD	3.35%	3.41%	48
No additional details. Last Updated 05/04/2026
60 Month CD	3.35%	3.41%	60
No additional details. Last Updated 05/04/2026
9 Month CD	3.20%	3.25%	9
No additional details. Last Updated 05/04/2026
6 Month CD	3.15%	3.20%	6
No additional details. Last Updated 05/04/2026
3 Month CD	2.90%	2.94%	3
No additional details. Last Updated 05/04/2026
2 Month CD	2.70%	2.74%	2
No additional details. Last Updated 05/04/2026
1 Month CD	2.45%	2.48%	1
No additional details. Last Updated 05/04/2026

VirtualBank Money Market Rates

Product	Rate	APY
eMoney Market Special	-	3.25%
No additional details. Last Updated 05/04/2026
Standard eMoney Market	3.20%	3.25%
Min Balance $0 Last Updated 05/04/2026

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for VirtualBank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather VirtualBank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with VirtualBank's official website for the most current offers and terms.

Customer Reviews

QzKC

★★★★★

December 17, 2025

itJH

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Average Rating

★★★★★

Total Reviews

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Frequently Asked Questions About VirtualBank

Is VirtualBank a safe place to deposit money?

Yes, VirtualBank is considered a safe financial institution. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does VirtualBank operate?

VirtualBank currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, VirtualBank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, VirtualBank provides members with tools to manage their accounts and build a solid financial history.

Does VirtualBank offer online and mobile banking?

Most modern institutions like VirtualBank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.virtualbank.com.