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CD Rate Trends

Fredericksburg, Virginia Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 23, 2026

Fredericksburg, Virginia CD rates range from 0.01% to 6.00% APY, verified by MonitorBankRates as of October 23, 2026. Current Fredericksburg, Virginia CD rates include SFGI DirectSFGI Direct2521 Cowan Blvd, Fredericksburg, VA 22401A5.0 ★Texas Ratio: 7.39%Real return: +0.70%APY minus CPIRate verified Oct 22, 2026 offering 18-Month CD at 4.40% APY, Navy Federal Credit UnionNavy Federal Credit Union3445 Fall Hill Ave, Fredericksburg, VA 22401A5.0 ★Texas Ratio: 8.14%Real return: +0.65%APY minus CPIRate verified Oct 20, 2026 offering 12 Month Special EasyStart Certificate at 4.35% APY, Blue Ridge Bank National AssociationBlue Ridge Bank National Association10645 Courthouse Rd, Fredericksburg, VA 22407A5.0 ★Texas Ratio: 8.11%Real return: +0.35%APY minus CPIRate verified Oct 22, 2026 offering 12 Month Golden Advantage Certificate of Deposit & Specials at 4.05% APY, Virginia Credit UnionVirginia Credit Union2150 Gordon W Shelton Blvd, Fredericksburg, VA 22401 4974A5.0 ★Texas Ratio: 6.40%Real return: +0.35%APY minus CPIRate verified Oct 19, 2026 offering 12 month certificate at 4.05% APY, and Topside Federal Credit UnionTopside Federal Credit Union2004 Augustine Ave, Fredericksburg, VA 22401A5.0 ★Texas Ratio: 6.63%Real return: +0.30%APY minus CPIRate verified Oct 23, 2026 offering 12-Month Certificate at 4.00% APY. CD rates as of October 23, 2026 according to verified data from MonitorBankRates.

Fredericksburg has 282 local institutions in our database, with CD rates as high as 4.40% APY from SFGI Direct at 2521 Cowan Blvd, Fredericksburg, VA 22401. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Virginia area. Rates are continually updated, so we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 23, 2026

Compare Best CD Rates in Fredericksburg, Virginia & the Surrounding Area

Jump to: 3 Month · 6 Month · 12 Month · 18 Month · 24 Month · 36 Month · 48 Month · 60 Month

Fredericksburg 3 Month CD Rates

Virginia 3 Month CD Average1.69% APYNational 2.13%▲ 0.07% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
4805 Lassen Ln, Fredericksburg, VA 22408
3 Month Standard CD
$1,000
3.00% ▲ 1.31% above Virginia avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average1.69%▲ 1.31% above avgNationally 2.13%
Details

Standard CD/IRA term; minimum opening deposit CD $1,000, IRA $500

Rate History
No change since Oct 20, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 20, 2026: 3.00% APYOct 20, 2026Oct 25, 2026
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
2004 Augustine Ave, Fredericksburg, VA 22401
3-Month Certificate
$0
2.85% ▲ 1.16% above Virginia avg
View
▼
Rate2.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average1.69%▲ 1.16% above avgNationally 2.13%
Details

Balance: $100.00 - $24,999.99

Rate History
1 change since Sep 21, 2026 · 2.75% → 2.85% ▲ 0.10 pts · high 2.85% / low 2.75%
2.25%2.80%3.35%Sep 21, 2026: 2.75% APYOct 9, 2026: 2.85% APYSep 21, 2026Oct 25, 2026
  • Oct 9, 20262.85%▲ from 2.75%
  • Sep 21, 20262.75%first recorded
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
2004 Augustine Ave, Fredericksburg, VA 22401
Business 3-Month Certificate
$0
2.85% ▲ 1.16% above Virginia avg
View
▼
Rate2.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average1.69%▲ 1.16% above avgNationally 2.13%
Details

Balance: $100.00 - $24,999.99

Rate History
No change since Oct 23, 2026 · 2.85% APY
2.35%2.85%3.35%Oct 23, 2026: 2.85% APYOct 23, 2026Oct 25, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
1800 Carl D Silver Pkwy, Fredericksburg, VA 22401
3 Month Certificate of Deposit
$500
2.00% ▲ 0.31% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average1.69%▲ 0.31% above avgNationally 2.13%
Details

APY calculated on monthly compounding assuming interest remains on deposit until maturity

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 9 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3445 Fall Hill Ave, Fredericksburg, VA 22401
3 Month Short-Term Certificate
$0
1.55% ▼ 0.14% below Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average1.69%▼ 0.14% below avgNationally 2.13%
Details

Balance: $100,000.00 and over; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals

Rate History
No change since Oct 20, 2026 · 1.55% APY
1.05%1.55%2.05%Oct 20, 2026: 1.55% APYOct 20, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3445 Fall Hill Ave, Fredericksburg, VA 22401
3 Month Short-Term Certificate
$0
1.50% ▼ 0.19% below Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average1.69%▼ 0.19% below avgNationally 2.13%
Details

Balance: $1,000.00 - $19,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals

Rate History
No change since Oct 20, 2026 · 1.50% APY
1.00%1.50%2.00%Oct 20, 2026: 1.50% APYOct 20, 2026Oct 25, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1 Geico Blvd, Fredericksburg, VA 22412
3 Month Standard CDs - Rewards
$0
0.60% ▼ 1.09% below Virginia avg
View
▼
Rate0.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average1.69%▼ 1.09% below avgNationally 2.13%
Details

Rewards APY

Rate History
No change since Oct 14, 2026 · 0.60% APY · checked 2 times
0.10%0.60%1.10%Oct 14, 2026: 0.60% APYOct 14, 2026Oct 25, 2026
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
501 C Emancipation Highway, Fredericksburg, VA 22401
3 Month Standard Rate CDs
$500
0.50% ▼ 1.19% below Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average1.69%▼ 1.19% below avgNationally 2.13%
Details

Rate History
No change since Sep 18, 2026 · 0.50% APY · checked 7 times
0.00%0.50%1.00%Sep 18, 2026: 0.50% APYSep 18, 2026Oct 25, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1 Geico Blvd, Fredericksburg, VA 22412
3 Month Standard CDs - Regular
$0
0.50% ▼ 1.19% below Virginia avg
View
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average1.69%▼ 1.19% below avgNationally 2.13%
Details

Regular APY

Rate History
No change since Oct 14, 2026 · 0.50% APY · checked 2 times
0.00%0.50%1.00%Oct 14, 2026: 0.50% APYOct 14, 2026Oct 25, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
501 D Emancipation Highway, Fredericksburg, VA 22401
Standard Fixed Rate CD 3 month - Relationship
$2,500
0.06% ▼ 1.63% below Virginia avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average1.69%▼ 1.63% below avgNationally 2.13%
Details

Relationship rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only

Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 4 times
0.00%0.28%0.56%Sep 27, 2026: 0.06% APYSep 27, 2026Oct 25, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
501 D Emancipation Highway, Fredericksburg, VA 22401
Standard Fixed Rate CD 3 month
$2,500
0.05% ▼ 1.64% below Virginia avg
View
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average1.69%▼ 1.64% below avgNationally 2.13%
Details

Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only

Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 25, 2026
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
400 George St, Fredericksburg, VA 22401
3 Month Personal Certificate of Deposit
$1,000
0.05% ▼ 1.64% below Virginia avg
View
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average1.69%▼ 1.64% below avgNationally 2.13%
Details

Standard rate for all terms 7 days - 60 months, all balances; Rates as of 5/12/2026

Rate History
No change since Oct 23, 2026 · 0.05% APY
0.00%0.28%0.55%Oct 23, 2026: 0.05% APYOct 23, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4319 Plank Rd, Fredericksburg, VA 22407
Certificate of Deposit - 3 Months
$1,000
0.03% ▼ 1.66% below Virginia avg
View
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average1.69%▼ 1.66% below avgNationally 2.13%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4319 Plank Rd, Fredericksburg, VA 22407
Certificate of Deposit - 3 Months
$1,000
0.02% ▼ 1.67% below Virginia avg
View
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average1.69%▼ 1.67% below avgNationally 2.13%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4319 Plank Rd, Fredericksburg, VA 22407
Certificate of Deposit - 3 Months
$1,000
0.01% ▼ 1.68% below Virginia avg
View
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average1.69%▼ 1.68% below avgNationally 2.13%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 25, 2026
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
Share Certificate - 3 Month
$1,000
4.00% ▲ 2.31% above Virginia avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average1.69%▲ 2.31% above avgNationally 2.13%
Details

Minimum to open $1,000.00; Rates effective 10-22-2026

Rate History
No change since Oct 12, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 25, 2026
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
3 Month Certificate
$1,000
4.00% ▲ 2.31% above Virginia avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average1.69%▲ 2.31% above avgNationally 2.13%
Details

Paid monthly

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APYOct 5, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Oct 5, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.99%
Share and IRA Certificate - 3 Month
$500
3.95% ▲ 2.26% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average1.69%▲ 2.26% above avgNationally 2.13%
Details

Share/IRA/Roth/ESA; Minimum Balance to Open and Earn APY: $500; Rates effective 5/27/2026

Rate History
No change since Oct 13, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Oct 13, 2026: 3.95% APYOct 13, 2026Oct 25, 2026
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
WooriWON Certificate of Deposit (CD) - 3 Months
$1,000
3.70% ▲ 2.01% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average1.69%▲ 2.01% above avgNationally 2.13%
Details

APYs accurate as of 03/27/2026; simple interest, not compounded; interest credited at maturity; auto-renews at maturity rate; early withdrawal penalty may apply; no monthly maintenance fees

Rate History
No change since Oct 7, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Oct 7, 2026: 3.70% APYOct 7, 2026Oct 25, 2026
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Certificate of Deposit - 3 Months
$1,000
3.65% ▲ 1.96% above Virginia avg
View
▼
Rate3.58%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average1.69%▲ 1.96% above avgNationally 2.13%
Details

Rate History
No change since Oct 14, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 14, 2026: 3.65% APYOct 14, 2026Oct 25, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
3 Month Share Certificate
$500
3.50% ▲ 1.81% above Virginia avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average1.69%▲ 1.81% above avgNationally 2.13%
Details

Rate Effective Date: October 23, 2026

Rate History
1 change since Oct 5, 2026 · 3.30% → 3.50% ▲ 0.20 pts · high 3.50% / low 3.30%
2.80%3.40%4.00%Oct 5, 2026: 3.30% APYOct 13, 2026: 3.50% APYOct 5, 2026Oct 25, 2026
  • Oct 13, 20263.50%▲ from 3.30%
  • Oct 5, 20263.30%first recorded
Department of The Interior Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
3 Month Certificate
$0
3.04% ▲ 1.35% above Virginia avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average1.69%▲ 1.35% above avgNationally 2.13%
Details

Rate History
No change since Oct 4, 2026 · 3.04% APY · checked 4 times
2.54%3.04%3.54%Oct 4, 2026: 3.04% APYOct 4, 2026Oct 25, 2026
Calvin B. Taylor Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
Certificate of Deposit - 3 Months
$1,000
3.00% ▲ 1.31% above Virginia avg
View
▼
Rate2.97%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average1.69%▲ 1.31% above avgNationally 2.13%
Details

Interest Rate 2.97%; Annual Percentage Yield 3.00%

Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Oct 14, 2026: 3.00% APYOct 14, 2026Oct 25, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
CD - 3 Month
$0
2.94% ▲ 1.25% above Virginia avg
View
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average1.69%▲ 1.25% above avgNationally 2.13%
Details

Rate History
No change since Sep 18, 2026 · 2.94% APY · checked 7 times
2.44%2.94%3.44%Sep 18, 2026: 2.94% APYSep 18, 2026Oct 25, 2026
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
Share Certificate - Jumbo - 90 Day Certificate
$100,000
2.90% ▲ 1.21% above Virginia avg
View
▼
Rate2.85%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average1.69%▲ 1.21% above avgNationally 2.13%
Details

Jumbo; Rates effective as of 10/22/2026

Rate History
No change since Oct 23, 2026 · 2.90% APY
2.40%2.90%3.40%Oct 23, 2026: 2.90% APYOct 23, 2026Oct 25, 2026
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
3 Month Personal CD
$0
2.78% ▲ 1.09% above Virginia avg
View
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average1.69%▲ 1.09% above avgNationally 2.13%
Details

Term: 3 months (90 to 179 days)

Rate History
No change since Oct 14, 2026 · 2.78% APY · checked 2 times
2.28%2.78%3.28%Oct 14, 2026: 2.78% APYOct 14, 2026Oct 25, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
3 Month Term
$0
2.50% ▲ 0.81% above Virginia avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average1.69%▲ 0.81% above avgNationally 2.13%
Details

Regular & IRA Certificates; Balance: $100,000 minimum

Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 8 times
2.00%2.50%3.00%Sep 18, 2026: 2.50% APYSep 18, 2026Oct 25, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
Business 3 Month Term Certificate
$0
2.50% ▲ 0.81% above Virginia avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average1.69%▲ 0.81% above avgNationally 2.13%
Details

Balance: $100,000 and over

Rate History
No change since Oct 14, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 14, 2026: 2.50% APYOct 14, 2026Oct 25, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
3 Month Term
$0
2.45% ▲ 0.76% above Virginia avg
View
▼
Rate2.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average1.69%▲ 0.76% above avgNationally 2.13%
Details

Regular & IRA Certificates; Balance: $25,000 minimum

Rate History
No change since Sep 18, 2026 · 2.45% APY · checked 8 times
1.95%2.45%2.95%Sep 18, 2026: 2.45% APYSep 18, 2026Oct 25, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
Business 3 Month Term Certificate
$0
2.45% ▲ 0.76% above Virginia avg
View
▼
Rate2.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average1.69%▲ 0.76% above avgNationally 2.13%
Details

Balance: $25,000 - $99,999.99

Rate History
No change since Oct 14, 2026 · 2.45% APY · checked 2 times
1.95%2.45%2.95%Oct 14, 2026: 2.45% APYOct 14, 2026Oct 25, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
3 Month Term
$0
2.40% ▲ 0.71% above Virginia avg
View
▼
Rate2.37%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average1.69%▲ 0.71% above avgNationally 2.13%
Details

Regular & IRA Certificates; Balance: $5,000 minimum

Rate History
No change since Sep 18, 2026 · 2.40% APY · checked 8 times
1.90%2.40%2.90%Sep 18, 2026: 2.40% APYSep 18, 2026Oct 25, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
Business 3 Month Term Certificate
$0
2.40% ▲ 0.71% above Virginia avg
View
▼
Rate2.37%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average1.69%▲ 0.71% above avgNationally 2.13%
Details

Balance: $5,000 - $24,999.99

Rate History
No change since Oct 14, 2026 · 2.40% APY · checked 2 times
1.90%2.40%2.90%Oct 14, 2026: 2.40% APYOct 14, 2026Oct 25, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
3 Month Term
$0
2.34% ▲ 0.65% above Virginia avg
View
▼
Rate2.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average1.69%▲ 0.65% above avgNationally 2.13%
Details

Regular & IRA Certificates; Balance: $250 minimum

Rate History
No change since Sep 18, 2026 · 2.34% APY · checked 8 times
1.84%2.34%2.84%Sep 18, 2026: 2.34% APYSep 18, 2026Oct 25, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
Business 3 Month Term Certificate
$0
2.34% ▲ 0.65% above Virginia avg
View
▼
Rate2.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average1.69%▲ 0.65% above avgNationally 2.13%
Details

Balance: $250 - $4,999.99

Rate History
No change since Oct 14, 2026 · 2.34% APY · checked 2 times
1.84%2.34%2.84%Oct 14, 2026: 2.34% APYOct 14, 2026Oct 25, 2026
Farmers & Merchants Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
3 Month CD
$1,000
2.27% ▲ 0.58% above Virginia avg
View
▼
Rate2.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average1.69%▲ 0.58% above avgNationally 2.13%
Details

Rate History
No change since Oct 7, 2026 · 2.27% APY · checked 5 times
1.77%2.27%2.77%Oct 7, 2026: 2.27% APYOct 7, 2026Oct 25, 2026

Fredericksburg 6 Month CD Rates

Virginia 6 Month CD Average2.63% APYNational 2.78%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
SFGI Direct
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
2521 Cowan Blvd, Fredericksburg, VA 22401
6-Month CD
$1,000
4.20% ▲ 1.57% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average2.63%▲ 1.57% above avgNationally 2.78%
Details

APY available on a new CD opened with a minimum of $1,000.00; no additional deposits during the term; early withdrawal penalty may apply; APY accurate as of October 22nd, 2026

Rate History
1 change since Sep 28, 2026 · 4.09% → 4.20% ▲ 0.11 pts · high 4.20% / low 4.09%
3.59%4.15%4.70%Sep 28, 2026: 4.09% APYOct 7, 2026: 4.20% APYSep 28, 2026Oct 25, 2026
  • Oct 7, 20264.20%▲ from 4.09%
  • Sep 28, 20264.09%first recorded
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1575 Emancipation Hwy, Fredericksburg, VA 22401
6-Month Term CD
$1,000
3.75% ▲ 1.12% above Virginia avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.63%▲ 1.12% above avgNationally 2.78%
Details

Rate History
No change since Oct 19, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 19, 2026: 3.75% APYOct 19, 2026Oct 25, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1575 Emancipation Hwy, Fredericksburg, VA 22401
Term CD - 6-Month
$1,000
3.75% ▲ 1.12% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.63%▲ 1.12% above avgNationally 2.78%
Details

Minimum of $1,000 to open your account

Rate History
No change since Oct 19, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 19, 2026: 3.75% APYOct 19, 2026Oct 25, 2026
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
2004 Augustine Ave, Fredericksburg, VA 22401
6-Month Certificate
$0
3.10% ▲ 0.47% above Virginia avg
View
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.63%▲ 0.47% above avgNationally 2.78%
Details

Balance: $100.00 - $24,999.99

Rate History
1 change since Sep 21, 2026 · 3.00% → 3.10% ▲ 0.10 pts · high 3.10% / low 3.00%
2.50%3.05%3.60%Sep 21, 2026: 3.00% APYOct 9, 2026: 3.10% APYSep 21, 2026Oct 25, 2026
  • Oct 9, 20263.10%▲ from 3.00%
  • Sep 21, 20263.00%first recorded
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
2004 Augustine Ave, Fredericksburg, VA 22401
Business 6-Month Certificate
$0
3.10% ▲ 0.47% above Virginia avg
View
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.63%▲ 0.47% above avgNationally 2.78%
Details

Balance: $100.00 - $24,999.99

Rate History
No change since Oct 23, 2026 · 3.10% APY
2.60%3.10%3.60%Oct 23, 2026: 3.10% APYOct 23, 2026Oct 25, 2026
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
4805 Lassen Ln, Fredericksburg, VA 22408
6 Month Standard CD
$1,000
3.00% ▲ 0.37% above Virginia avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.63%▲ 0.37% above avgNationally 2.78%
Details

Standard CD/IRA term; minimum opening deposit CD $1,000, IRA $500

Rate History
No change since Oct 20, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 20, 2026: 3.00% APYOct 20, 2026Oct 25, 2026
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
2150 Gordon W Shelton Blvd, Fredericksburg, VA 22401 4974
6 month certificate
$100,000
2.35% ▼ 0.28% below Virginia avg
View
▼
Rate2.33%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.63%▼ 0.28% below avgNationally 2.78%
Details

Compounding: Monthly

Rate History
No change since Sep 30, 2026 · 2.35% APY · checked 5 times
1.85%2.35%2.85%Sep 30, 2026: 2.35% APYSep 30, 2026Oct 25, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
1800 Carl D Silver Pkwy, Fredericksburg, VA 22401
6 Month Certificate of Deposit
$500
2.25% ▼ 0.38% below Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.63%▼ 0.38% below avgNationally 2.78%
Details

APY calculated on monthly compounding assuming interest remains on deposit until maturity

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 9 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 25, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
1800 Carl D Silver Pkwy, Fredericksburg, VA 22401
6 Month IRA Certificate of Deposit
$500
2.25% ▼ 0.38% below Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.63%▼ 0.38% below avgNationally 2.78%
Details

Early withdrawal penalties may apply

Rate History
No change since Sep 27, 2026 · 2.25% APY · checked 2 times
1.75%2.25%2.75%Sep 27, 2026: 2.25% APYSep 27, 2026Oct 25, 2026
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
2150 Gordon W Shelton Blvd, Fredericksburg, VA 22401 4974
6 month certificate
$50,000
2.25% ▼ 0.38% below Virginia avg
View
▼
Rate2.23%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.63%▼ 0.38% below avgNationally 2.78%
Details

Compounding: Monthly

Rate History
No change since Sep 30, 2026 · 2.25% APY · checked 5 times
1.75%2.25%2.75%Sep 30, 2026: 2.25% APYSep 30, 2026Oct 25, 2026
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
2150 Gordon W Shelton Blvd, Fredericksburg, VA 22401 4974
6 month certificate
$500
2.15% ▼ 0.48% below Virginia avg
View
▼
Rate2.13%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.63%▼ 0.48% below avgNationally 2.78%
Details

Compounding: Quarterly

Rate History
No change since Sep 30, 2026 · 2.15% APY · checked 5 times
1.65%2.15%2.65%Sep 30, 2026: 2.15% APYSep 30, 2026Oct 25, 2026
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
501 C Emancipation Highway, Fredericksburg, VA 22401
6 Month Standard Rate CDs
$500
1.75% ▼ 0.88% below Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average2.63%▼ 0.88% below avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 1.75% APY · checked 7 times
1.25%1.75%2.25%Sep 18, 2026: 1.75% APYSep 18, 2026Oct 25, 2026
Blue Ridge Bank National Association
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
10645 Courthouse Rd, Fredericksburg, VA 22407
6 Month Business Certificates of Deposit
$0
1.60% ▼ 1.03% below Virginia avg
View
▼
Rate1.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average2.63%▼ 1.03% below avgNationally 2.78%
Details

Minimum balance to open is $1,000; penalty may be imposed for early withdrawal

Rate History
No change since Oct 14, 2026 · 1.60% APY · checked 3 times
1.10%1.60%2.10%Oct 14, 2026: 1.60% APYOct 14, 2026Oct 25, 2026
Blue Ridge Bank National Association
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
10645 Courthouse Rd, Fredericksburg, VA 22407
6 Month Consumer Certificates of Deposit
$0
1.60% ▼ 1.03% below Virginia avg
View
▼
Rate1.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average2.63%▼ 1.03% below avgNationally 2.78%
Details

Rate History
No change since Oct 20, 2026 · 1.60% APY · checked 2 times
1.10%1.60%2.10%Oct 20, 2026: 1.60% APYOct 20, 2026Oct 25, 2026
Blue Ridge Bank National Association
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
10645 Courthouse Rd, Fredericksburg, VA 22407
Business Certificates of Deposit - 6 Months
$1,000
1.60% ▼ 1.03% below Virginia avg
View
▼
Rate1.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average2.63%▼ 1.03% below avgNationally 2.78%
Details

Minimum balance to open is $1,000; APY effective as of 10/15/2026; early withdrawal penalty may apply

Rate History
No change since Oct 20, 2026 · 1.60% APY · checked 2 times
1.10%1.60%2.10%Oct 20, 2026: 1.60% APYOct 20, 2026Oct 25, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1 Geico Blvd, Fredericksburg, VA 22412
6 Month Standard CDs - Rewards
$0
1.35% ▼ 1.28% below Virginia avg
View
▼
Rate1.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.63%▼ 1.28% below avgNationally 2.78%
Details

Rewards APY

Rate History
No change since Oct 14, 2026 · 1.35% APY · checked 2 times
0.85%1.35%1.85%Oct 14, 2026: 1.35% APYOct 14, 2026Oct 25, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1 Geico Blvd, Fredericksburg, VA 22412
6 Month Standard CDs - Regular
$0
1.25% ▼ 1.38% below Virginia avg
View
▼
Rate1.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.63%▼ 1.38% below avgNationally 2.78%
Details

Regular APY

Rate History
No change since Oct 14, 2026 · 1.25% APY · checked 2 times
0.75%1.25%1.75%Oct 14, 2026: 1.25% APYOct 14, 2026Oct 25, 2026
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
1151 Carl D Silver Pkwy, Fredericksburg, VA 22401 4914
6 Month - Certificate
$1,000
0.75% ▼ 1.88% below Virginia avg
View
▼
Rate0.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.63%▼ 1.88% below avgNationally 2.78%
Details

Minimum to Open: $1,000.00; Minimum to Earn APY: $1,000.00

Rate History
No change since Sep 25, 2026 · 0.75% APY · checked 6 times
0.25%0.75%1.25%Sep 25, 2026: 0.75% APYSep 25, 2026Oct 25, 2026
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
1151 Carl D Silver Pkwy, Fredericksburg, VA 22401 4914
Youth Share Certificates - 6 Month Certificate
$100
0.75% ▼ 1.88% below Virginia avg
View
▼
Rate0.75%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.63%▼ 1.88% below avgNationally 2.78%
Details

Rate History
No change since Oct 4, 2026 · 0.75% APY · checked 5 times
0.25%0.75%1.25%Oct 4, 2026: 0.75% APYOct 4, 2026Oct 25, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
501 D Emancipation Highway, Fredericksburg, VA 22401
Standard Fixed Rate CD 6 month - Relationship
$2,500
0.06% ▼ 2.57% below Virginia avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.63%▼ 2.57% below avgNationally 2.78%
Details

Relationship rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only

Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 4 times
0.00%0.28%0.56%Sep 27, 2026: 0.06% APYSep 27, 2026Oct 25, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
501 D Emancipation Highway, Fredericksburg, VA 22401
Standard Fixed Rate CD 6 month
$2,500
0.05% ▼ 2.58% below Virginia avg
View
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.63%▼ 2.58% below avgNationally 2.78%
Details

Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only

Rate History
No change since Sep 27, 2026 · 0.05% APY · checked 4 times
0.00%0.28%0.55%Sep 27, 2026: 0.05% APYSep 27, 2026Oct 25, 2026
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
400 George St, Fredericksburg, VA 22401
6 Month Personal Certificate of Deposit
$1,000
0.05% ▼ 2.58% below Virginia avg
View
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.63%▼ 2.58% below avgNationally 2.78%
Details

Standard rate for all terms 7 days - 60 months, all balances; Rates as of 5/12/2026

Rate History
No change since Oct 23, 2026 · 0.05% APY
0.00%0.28%0.55%Oct 23, 2026: 0.05% APYOct 23, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4319 Plank Rd, Fredericksburg, VA 22407
Certificate of Deposit - 6 Months
$1,000
0.03% ▼ 2.60% below Virginia avg
View
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.63%▼ 2.60% below avgNationally 2.78%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4319 Plank Rd, Fredericksburg, VA 22407
IRA CD 6 Months
$250
0.03% ▼ 2.60% below Virginia avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.63%▼ 2.60% below avgNationally 2.78%
Details

Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 14, 2026: 0.03% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4319 Plank Rd, Fredericksburg, VA 22407
Certificate of Deposit - 6 Months
$1,000
0.02% ▼ 2.61% below Virginia avg
View
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.63%▼ 2.61% below avgNationally 2.78%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4319 Plank Rd, Fredericksburg, VA 22407
IRA CD 6 Months
$250
0.02% ▼ 2.61% below Virginia avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.63%▼ 2.61% below avgNationally 2.78%
Details

Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 14, 2026: 0.02% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4319 Plank Rd, Fredericksburg, VA 22407
Certificate of Deposit - 6 Months
$1,000
0.01% ▼ 2.62% below Virginia avg
View
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.63%▼ 2.62% below avgNationally 2.78%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4319 Plank Rd, Fredericksburg, VA 22407
IRA CD 6 Months
$250
0.01% ▼ 2.62% below Virginia avg
View
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.63%▼ 2.62% below avgNationally 2.78%
Details

Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 14, 2026: 0.01% APYOct 14, 2026Oct 25, 2026
Chartway Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
6 Month Promo Certificate
$0
4.30% ▲ 1.67% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.63%▲ 1.67% above avgNationally 2.78%
Details

Homepage promo card: "Cozy up with a 4.30% APY*"; 6-Month Certificate

Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 8 times
3.80%4.30%4.80%Sep 18, 2026: 4.30% APYSep 18, 2026Oct 25, 2026
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
Share Certificate - 6 months
$0
4.30% ▲ 1.67% above Virginia avg
View
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.63%▲ 1.67% above avgNationally 2.78%
Details

Effective as of October 1, 2026

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.30% ▲ 0.30 pts · high 4.30% / low 4.00%
3.50%4.15%4.80%Sep 18, 2026: 4.00% APYSep 27, 2026: 4.30% APYSep 18, 2026Oct 25, 2026
  • Sep 27, 20264.30%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Beacon Credit Union Incorporated
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
Promotional Certificates - Limited Time Special - 6 Months
$2,500
4.25% ▲ 1.62% above Virginia avg
View
▼
Rate4.17%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
Virginia Average2.63%▲ 1.62% above avgNationally 2.78%
Details

Limited Time Offer; Balance to earn APY: $2,500; new money only; early withdrawal penalty 90 days of dividend whether earned or not

Rate History
1 change since Oct 13, 2026 · 4.35% → 4.25% ▼ 0.10 pts · high 4.35% / low 4.25%
3.75%4.30%4.85%Oct 13, 2026: 4.35% APYOct 19, 2026: 4.25% APYOct 13, 2026Oct 25, 2026
  • Oct 19, 20264.25%▼ from 4.35%
  • Oct 13, 20264.35%first recorded
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
Regular Certificate 6 Month
$500
4.25% ▲ 1.62% above Virginia avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.63%▲ 1.62% above avgNationally 2.78%
Details

Rates effective 6/1/2026; $500 minimum opening balance; dividends compounded and credited quarterly

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
Special 6-Month Fixed Rate CD
$10,000
4.23% ▲ 1.60% above Virginia avg
View
▼
Rate4.15%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.63%▲ 1.60% above avgNationally 2.78%
Details

New money deposits required; $10,000 minimum opening deposit

Rate History
1 change since Oct 14, 2026 · 4.00% → 4.23% ▲ 0.23 pts · high 4.23% / low 4.00%
3.50%4.12%4.73%Oct 14, 2026: 4.00% APYOct 20, 2026: 4.23% APYOct 14, 2026Oct 25, 2026
  • Oct 20, 20264.23%▲ from 4.00%
  • Oct 14, 20264.00%first recorded
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
6 Month CD
$1,000
4.20% ▲ 1.57% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.63%▲ 1.57% above avgNationally 2.78%
Details

APY accurate as of 09/24/2026; APY assumes interest remains on deposit until maturity date; Penalty for early withdrawal may reduce earnings

Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 8 times
3.70%4.20%4.70%Sep 18, 2026: 4.20% APYSep 18, 2026Oct 25, 2026
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Certificate of Deposit - 6 Months
$1,000
4.20% ▲ 1.57% above Virginia avg
View
▼
Rate4.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.63%▲ 1.57% above avgNationally 2.78%
Details

Rate History
No change since Oct 14, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 14, 2026: 4.20% APYOct 14, 2026Oct 25, 2026
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
6 Month Share Certificate
$500
4.13% ▲ 1.50% above Virginia avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.63%▲ 1.50% above avgNationally 2.78%
Details

Balance: $1M+; Minimum $500 deposit required for certificate accounts

Rate History
No change since Oct 14, 2026 · 4.13% APY · checked 2 times
3.63%4.13%4.63%Oct 14, 2026: 4.13% APYOct 14, 2026Oct 25, 2026
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
IRA Certificate - 6 Months
$500
4.13% ▲ 1.50% above Virginia avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.63%▲ 1.50% above avgNationally 2.78%
Details

Minimum $500 deposit required for IRA certificate accounts.

Rate History
No change since Sep 22, 2026 · 4.13% APY · checked 4 times
3.63%4.13%4.63%Sep 22, 2026: 4.13% APYSep 22, 2026Oct 25, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
New Money CD - 6 Month
$1,000
4.10% ▲ 1.47% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.63%▲ 1.47% above avgNationally 2.78%
Details

New Money CD; Minimum balance to open account online: $1,000

Rate History
1 change since Sep 27, 2026 · 4.05% → 4.10% ▲ 0.05 pts · high 4.10% / low 4.05%
3.55%4.07%4.60%Sep 27, 2026: 4.05% APYOct 14, 2026: 4.10% APYSep 27, 2026Oct 25, 2026
  • Oct 14, 20264.10%▲ from 4.05%
  • Sep 27, 20264.05%first recorded
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.99%
6 Month Certificate
$0
4.10% ▲ 1.47% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.63%▲ 1.47% above avgNationally 2.78%
Details

Share/IRA/Roth/ESA certificate

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 8 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 25, 2026
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.99%
Share and IRA Certificate - 6 Month
$500
4.10% ▲ 1.47% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.63%▲ 1.47% above avgNationally 2.78%
Details

Share/IRA/Roth/ESA; Minimum Balance to Open and Earn APY: $500; Rates effective 5/27/2026

Rate History
No change since Oct 13, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 13, 2026: 4.10% APYOct 13, 2026Oct 25, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
6 Month Jumbo CD
$50,000
4.10% ▲ 1.47% above Virginia avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.63%▲ 1.47% above avgNationally 2.78%
Details

Rate History
1 change since Sep 21, 2026 · 3.75% → 4.10% ▲ 0.35 pts · high 4.10% / low 3.75%
3.25%3.93%4.60%Sep 21, 2026: 3.75% APYOct 5, 2026: 4.10% APYSep 21, 2026Oct 25, 2026
  • Oct 5, 20264.10%▲ from 3.75%
  • Sep 21, 20263.75%first recorded
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
Share Certificate - 6 Month
$0
4.06% ▲ 1.43% above Virginia avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.63%▲ 1.43% above avgNationally 2.78%
Details

Regular Accounts minimum balance to earn APY; Education Savings: N/A; Roth or Traditional IRAs: N/A

Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 3 times
3.56%4.06%4.56%Sep 14, 2026: 4.06% APYSep 14, 2026Oct 25, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
HSBC Wealth Center/Telephone CD - 6 Month
$1,000
4.00% ▲ 1.37% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.63%▲ 1.37% above avgNationally 2.78%
Details

Wealth Center/Telephone; Minimum balance to open account: $1,000; Not available to business customers

Rate History
No change since Oct 20, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 20, 2026: 4.00% APYOct 20, 2026Oct 25, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
Online CD - 6 Month
$1,000
4.00% ▲ 1.37% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.63%▲ 1.37% above avgNationally 2.78%
Details

Only available to existing Premier customers; Minimum balance to open account online: $1,000; Opened online

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 25, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
Online Certificate of Deposit - 6 months
$1,000
4.00% ▲ 1.37% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.63%▲ 1.37% above avgNationally 2.78%
Details

HSBC Premier relationship required; minimum balance to open and obtain APY is $1000; early withdrawal penalty may apply; not available to business customers

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 25, 2026
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
6 Month IRA Certificates
$500
4.00% ▲ 1.37% above Virginia avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.63%▲ 1.37% above avgNationally 2.78%
Details

Early withdrawal penalties may apply

Rate History
1 change since Sep 24, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 24, 2026: 3.50% APYOct 4, 2026: 4.00% APYSep 24, 2026Oct 25, 2026
  • Oct 4, 20264.00%▲ from 3.50%
  • Sep 24, 20263.50%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
Share Certificate - 6 Month
$1,000
4.00% ▲ 1.37% above Virginia avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.63%▲ 1.37% above avgNationally 2.78%
Details

Minimum to open $1,000.00; Rates effective 10-22-2026

Rate History
No change since Oct 12, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 25, 2026
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
6 Month Certificate
$1,000
4.00% ▲ 1.37% above Virginia avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.63%▲ 1.37% above avgNationally 2.78%
Details

Paid monthly

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APYOct 5, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Oct 5, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
6 Month IRA Traditional & Roth CD
$500
4.00% ▲ 1.37% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.63%▲ 1.37% above avgNationally 2.78%
Details

Rate History
1 change since Sep 21, 2026 · 3.65% → 4.00% ▲ 0.35 pts · high 4.00% / low 3.65%
3.15%3.83%4.50%Sep 21, 2026: 3.65% APYOct 13, 2026: 4.00% APYSep 21, 2026Oct 25, 2026
  • Oct 13, 20264.00%▲ from 3.65%
  • Sep 21, 20263.65%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
6 Month Regular CD
$500
4.00% ▲ 1.37% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.63%▲ 1.37% above avgNationally 2.78%
Details

Rate History
1 change since Sep 21, 2026 · 3.65% → 4.00% ▲ 0.35 pts · high 4.00% / low 3.65%
3.15%3.83%4.50%Sep 21, 2026: 3.65% APYOct 5, 2026: 4.00% APYSep 21, 2026Oct 25, 2026
  • Oct 5, 20264.00%▲ from 3.65%
  • Sep 21, 20263.65%first recorded

Fredericksburg 12 Month CD Rates

Virginia 12 Month CD Average3.06% APYNational 2.99%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3445 Fall Hill Ave, Fredericksburg, VA 22401
12 Month Special EasyStart Certificate
$50
4.35% ▲ 1.29% above Virginia avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average3.06%▲ 1.29% above avgNationally 2.99%
Details

Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 6 times
3.85%4.35%4.85%Sep 30, 2026: 4.35% APYSep 30, 2026Oct 25, 2026
SFGI Direct
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
2521 Cowan Blvd, Fredericksburg, VA 22401
12-Month CD
$1,000
4.30% ▲ 1.24% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average3.06%▲ 1.24% above avgNationally 2.99%
Details

APY available on a new CD opened with a minimum of $1,000.00; no additional deposits during the term; early withdrawal penalty may apply; APY accurate as of October 22nd, 2026

Rate History
1 change since Sep 28, 2026 · 4.20% → 4.30% ▲ 0.10 pts · high 4.30% / low 4.20%
3.70%4.25%4.80%Sep 28, 2026: 4.20% APYOct 7, 2026: 4.30% APYSep 28, 2026Oct 25, 2026
  • Oct 7, 20264.30%▲ from 4.20%
  • Sep 28, 20264.20%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3445 Fall Hill Ave, Fredericksburg, VA 22401
12 Month Short-Term Certificate
$0
4.10% ▲ 1.04% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average3.06%▲ 1.04% above avgNationally 2.99%
Details

Balance: $100,000.00 and over; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals

Rate History
No change since Oct 20, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3445 Fall Hill Ave, Fredericksburg, VA 22401
12 Month Short-Term Certificate
$0
4.05% ▲ 0.99% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average3.06%▲ 0.99% above avgNationally 2.99%
Details

Balance: $1,000.00 - $19,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals

Rate History
No change since Oct 20, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 20, 2026: 4.05% APYOct 20, 2026Oct 25, 2026
Blue Ridge Bank National Association
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
10645 Courthouse Rd, Fredericksburg, VA 22407
12 Month Golden Advantage Certificate of Deposit & Specials
$0
4.05% ▲ 0.99% above Virginia avg
View
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average3.06%▲ 0.99% above avgNationally 2.99%
Details

Rate History
No change since Oct 20, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 20, 2026: 4.05% APYOct 20, 2026Oct 25, 2026
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
2150 Gordon W Shelton Blvd, Fredericksburg, VA 22401 4974
12 month certificate
$100,000
4.05% ▲ 0.99% above Virginia avg
View
▼
Rate3.98%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.06%▲ 0.99% above avgNationally 2.99%
Details

Compounding: Monthly

Rate History
No change since Sep 30, 2026 · 4.05% APY · checked 5 times
3.55%4.05%4.55%Sep 30, 2026: 4.05% APYSep 30, 2026Oct 25, 2026
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
2150 Gordon W Shelton Blvd, Fredericksburg, VA 22401 4974
12 month IRA
$100,000
4.05% ▲ 0.99% above Virginia avg
View
▼
Rate3.98%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.06%▲ 0.99% above avgNationally 2.99%
Details

Compounding: Monthly

Rate History
No change since Oct 6, 2026 · 4.05% APY · checked 4 times
3.55%4.05%4.55%Oct 6, 2026: 4.05% APYOct 6, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3445 Fall Hill Ave, Fredericksburg, VA 22401
12 Month EasyStart Certificate
$50
4.00% ▲ 0.94% above Virginia avg
View
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average3.06%▲ 0.94% above avgNationally 2.99%
Details

Share, IRA, ESA; Rates as of Oct 19, 2026 ET

Rate History
No change since Oct 20, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 20, 2026: 4.00% APYOct 20, 2026Oct 25, 2026
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
2004 Augustine Ave, Fredericksburg, VA 22401
12-Month Certificate
$0
4.00% ▲ 0.94% above Virginia avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.06%▲ 0.94% above avgNationally 2.99%
Details

Balance: $25,000.00 and over

Rate History
2 changes since Sep 21, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
3.30%3.90%4.50%Sep 21, 2026: 3.80% APYOct 9, 2026: 3.90% APYOct 23, 2026: 4.00% APYSep 21, 2026Oct 25, 2026
  • Oct 23, 20264.00%▲ from 3.90%
  • Oct 9, 20263.90%▲ from 3.80%
  • Sep 21, 20263.80%first recorded
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
2004 Augustine Ave, Fredericksburg, VA 22401
Business 12-Month Certificate
$0
4.00% ▲ 0.94% above Virginia avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.06%▲ 0.94% above avgNationally 2.99%
Details

Balance: $25,000.00 and over

Rate History
No change since Oct 23, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 23, 2026: 4.00% APYOct 23, 2026Oct 25, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1575 Emancipation Hwy, Fredericksburg, VA 22401
1-Year Term CD
$1,000
4.00% ▲ 0.94% above Virginia avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.06%▲ 0.94% above avgNationally 2.99%
Details

Rate History
No change since Oct 19, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 19, 2026: 4.00% APYOct 19, 2026Oct 25, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1575 Emancipation Hwy, Fredericksburg, VA 22401
Term CD - 1-Year
$1,000
4.00% ▲ 0.94% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.06%▲ 0.94% above avgNationally 2.99%
Details

Minimum of $1,000 to open your account; 1-Year Term CD renews automatically for the same term

Rate History
No change since Oct 19, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 19, 2026: 4.00% APYOct 19, 2026Oct 25, 2026
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
2150 Gordon W Shelton Blvd, Fredericksburg, VA 22401 4974
12 month certificate
$50,000
3.95% ▲ 0.89% above Virginia avg
View
▼
Rate3.88%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.06%▲ 0.89% above avgNationally 2.99%
Details

Compounding: Monthly

Rate History
No change since Sep 30, 2026 · 3.95% APY · checked 5 times
3.45%3.95%4.45%Sep 30, 2026: 3.95% APYSep 30, 2026Oct 25, 2026
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
2150 Gordon W Shelton Blvd, Fredericksburg, VA 22401 4974
12 month IRA
$50,000
3.95% ▲ 0.89% above Virginia avg
View
▼
Rate3.88%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.06%▲ 0.89% above avgNationally 2.99%
Details

Compounding: Monthly

Rate History
No change since Oct 6, 2026 · 3.95% APY · checked 4 times
3.45%3.95%4.45%Oct 6, 2026: 3.95% APYOct 6, 2026Oct 25, 2026
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
2004 Augustine Ave, Fredericksburg, VA 22401
12-Month Certificate
$0
3.90% ▲ 0.84% above Virginia avg
View
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.06%▲ 0.84% above avgNationally 2.99%
Details

Balance: $100.00 - $24,999.99

Rate History
3 changes since Sep 21, 2026 · 3.70% → 3.90% ▲ 0.20 pts · high 3.90% / low 3.70%
3.20%3.80%4.40%Sep 21, 2026: 3.70% APYOct 9, 2026: 3.75% APYOct 13, 2026: 3.80% APYOct 23, 2026: 3.90% APYSep 21, 2026Oct 25, 2026
  • Oct 23, 20263.90%▲ from 3.80%
  • Oct 13, 20263.80%▲ from 3.75%
  • Oct 9, 20263.75%▲ from 3.70%
  • Sep 21, 20263.70%first recorded
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
2004 Augustine Ave, Fredericksburg, VA 22401
Business 12-Month Certificate
$0
3.90% ▲ 0.84% above Virginia avg
View
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.06%▲ 0.84% above avgNationally 2.99%
Details

Balance: $100.00 - $24,999.99

Rate History
No change since Oct 23, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 23, 2026: 3.90% APYOct 23, 2026Oct 25, 2026
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
2150 Gordon W Shelton Blvd, Fredericksburg, VA 22401 4974
12 month certificate
$5,000
3.86% ▲ 0.80% above Virginia avg
View
▼
Rate3.80%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.06%▲ 0.80% above avgNationally 2.99%
Details

Compounding: Monthly

Rate History
No change since Sep 30, 2026 · 3.86% APY · checked 5 times
3.36%3.86%4.36%Sep 30, 2026: 3.86% APYSep 30, 2026Oct 25, 2026
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
2150 Gordon W Shelton Blvd, Fredericksburg, VA 22401 4974
12 month IRA
$5,000
3.86% ▲ 0.80% above Virginia avg
View
▼
Rate3.80%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.06%▲ 0.80% above avgNationally 2.99%
Details

Compounding: Monthly

Rate History
No change since Oct 6, 2026 · 3.86% APY · checked 4 times
3.36%3.86%4.36%Oct 6, 2026: 3.86% APYOct 6, 2026Oct 25, 2026
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
2150 Gordon W Shelton Blvd, Fredericksburg, VA 22401 4974
12 month certificate
$500
3.85% ▲ 0.79% above Virginia avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.06%▲ 0.79% above avgNationally 2.99%
Details

Compounding: Quarterly

Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 5 times
3.35%3.85%4.35%Sep 30, 2026: 3.85% APYSep 30, 2026Oct 25, 2026
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
2150 Gordon W Shelton Blvd, Fredericksburg, VA 22401 4974
12 month IRA
$100
3.85% ▲ 0.79% above Virginia avg
View
▼
Rate3.80%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.06%▲ 0.79% above avgNationally 2.99%
Details

Compounding: Quarterly

Rate History
No change since Oct 6, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Oct 6, 2026: 3.85% APYOct 6, 2026Oct 25, 2026
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
2004 Augustine Ave, Fredericksburg, VA 22401
1-Year IRA Certificate
$0
3.60% ▲ 0.54% above Virginia avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.06%▲ 0.54% above avgNationally 2.99%
Details

Balance: $25,000.00 + over

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 9 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 25, 2026
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
2004 Augustine Ave, Fredericksburg, VA 22401
1 Year Add-On Share Certificate
$0
3.55% ▲ 0.49% above Virginia avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.06%▲ 0.49% above avgNationally 2.99%
Details

Balance: $100.00 + over

Rate History
1 change since Sep 14, 2026 · 3.25% → 3.55% ▲ 0.30 pts · high 3.55% / low 3.25%
2.75%3.40%4.05%Sep 14, 2026: 3.25% APYOct 23, 2026: 3.55% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20263.55%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
2004 Augustine Ave, Fredericksburg, VA 22401
1-Year IRA Certificate
$0
3.50% ▲ 0.44% above Virginia avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.06%▲ 0.44% above avgNationally 2.99%
Details

Balance: $100.00 - $24,999.99

Rate History
No change since Sep 21, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 21, 2026: 3.50% APYSep 21, 2026Oct 25, 2026
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
400 George St, Fredericksburg, VA 22401
12 Month CD Special
$0
3.25% ▲ 0.19% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.06%▲ 0.19% above avgNationally 2.99%
Details

Special rate on select new CD accounts for balances $100,000 and above; open with a Truist banker; renews at the standard rate (0.05% APY)

Rate History
No change since Oct 15, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 15, 2026: 3.25% APYOct 15, 2026Oct 25, 2026
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
2004 Augustine Ave, Fredericksburg, VA 22401
1-Year Add On Certificate
$0
3.25% ▲ 0.19% above Virginia avg
View
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.06%▲ 0.19% above avgNationally 2.99%
Details

Balance: $100.00 and over

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 25, 2026
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
4805 Lassen Ln, Fredericksburg, VA 22408
1 Year Standard CD
$1,000
3.00% ▼ 0.06% below Virginia avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average3.06%▼ 0.06% below avgNationally 2.99%
Details

Standard CD/IRA term; minimum opening deposit CD $1,000, IRA $500

Rate History
No change since Oct 20, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 20, 2026: 3.00% APYOct 20, 2026Oct 25, 2026
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1575 Emancipation Hwy, Fredericksburg, VA 22401
12 Month Certificate of Deposit
$500
2.00% ▼ 1.06% below Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average3.06%▼ 1.06% below avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 7 times
1.50%2.00%2.50%Sep 18, 2026: 2.00% APYSep 18, 2026Oct 25, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
1800 Carl D Silver Pkwy, Fredericksburg, VA 22401
1 Year Certificate of Deposit
$500
2.00% ▼ 1.06% below Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average3.06%▼ 1.06% below avgNationally 2.99%
Details

APY calculated on monthly compounding assuming interest remains on deposit until maturity

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 9 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 25, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
1800 Carl D Silver Pkwy, Fredericksburg, VA 22401
1 Year IRA Certificate of Deposit
$500
2.00% ▼ 1.06% below Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average3.06%▼ 1.06% below avgNationally 2.99%
Details

Early withdrawal penalties may apply

Rate History
No change since Sep 27, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Sep 27, 2026: 2.00% APYSep 27, 2026Oct 25, 2026
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
501 C Emancipation Highway, Fredericksburg, VA 22401
1 Year Standard Rate CDs
$500
2.00% ▼ 1.06% below Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average3.06%▼ 1.06% below avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 7 times
1.50%2.00%2.50%Sep 18, 2026: 2.00% APYSep 18, 2026Oct 25, 2026
Blue Ridge Bank National Association
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
10645 Courthouse Rd, Fredericksburg, VA 22407
12 Month Business Certificates of Deposit
$0
1.80% ▼ 1.26% below Virginia avg
View
▼
Rate1.79%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average3.06%▼ 1.26% below avgNationally 2.99%
Details

Minimum balance to open is $1,000; penalty may be imposed for early withdrawal

Rate History
No change since Oct 14, 2026 · 1.80% APY · checked 3 times
1.30%1.80%2.30%Oct 14, 2026: 1.80% APYOct 14, 2026Oct 25, 2026
Blue Ridge Bank National Association
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
10645 Courthouse Rd, Fredericksburg, VA 22407
12 Month Consumer Certificates of Deposit
$0
1.80% ▼ 1.26% below Virginia avg
View
▼
Rate1.79%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average3.06%▼ 1.26% below avgNationally 2.99%
Details

Rate History
No change since Oct 20, 2026 · 1.80% APY · checked 2 times
1.30%1.80%2.30%Oct 20, 2026: 1.80% APYOct 20, 2026Oct 25, 2026
Blue Ridge Bank National Association
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
10645 Courthouse Rd, Fredericksburg, VA 22407
Business Certificates of Deposit - 12 Months
$1,000
1.80% ▼ 1.26% below Virginia avg
View
▼
Rate1.79%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average3.06%▼ 1.26% below avgNationally 2.99%
Details

Minimum balance to open is $1,000; APY effective as of 10/15/2026; early withdrawal penalty may apply

Rate History
No change since Oct 20, 2026 · 1.80% APY · checked 2 times
1.30%1.80%2.30%Oct 20, 2026: 1.80% APYOct 20, 2026Oct 25, 2026
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
1151 Carl D Silver Pkwy, Fredericksburg, VA 22401 4914
1 Year - Certificate or IRA Certificate
$1,000
1.76% ▼ 1.30% below Virginia avg
View
▼
Rate1.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.06%▼ 1.30% below avgNationally 2.99%
Details

Minimum to Open: $1,000.00; Minimum to Earn APY: $1,000.00

Rate History
No change since Sep 25, 2026 · 1.76% APY · checked 6 times
1.26%1.76%2.26%Sep 25, 2026: 1.76% APYSep 25, 2026Oct 25, 2026
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
1151 Carl D Silver Pkwy, Fredericksburg, VA 22401 4914
Youth Share Certificates - 1 Year Certificate
$100
1.76% ▼ 1.30% below Virginia avg
View
▼
Rate1.75%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.06%▼ 1.30% below avgNationally 2.99%
Details

Rate History
No change since Sep 25, 2026 · 1.76% APY · checked 6 times
1.26%1.76%2.26%Sep 25, 2026: 1.76% APYSep 25, 2026Oct 25, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
501 D Emancipation Highway, Fredericksburg, VA 22401
Standard Fixed Rate CD 1 year - Relationship
$2,500
1.51% ▼ 1.55% below Virginia avg
View
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average3.06%▼ 1.55% below avgNationally 2.99%
Details

Relationship rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only

Rate History
No change since Sep 27, 2026 · 1.51% APY · checked 4 times
1.01%1.51%2.01%Sep 27, 2026: 1.51% APYSep 27, 2026Oct 25, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
501 D Emancipation Highway, Fredericksburg, VA 22401
Standard Fixed Rate CD 1 year
$2,500
1.50% ▼ 1.56% below Virginia avg
View
▼
Rate1.49%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average3.06%▼ 1.56% below avgNationally 2.99%
Details

Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only

Rate History
No change since Sep 27, 2026 · 1.50% APY · checked 4 times
1.00%1.50%2.00%Sep 27, 2026: 1.50% APYSep 27, 2026Oct 25, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1 Geico Blvd, Fredericksburg, VA 22412
12 Month Standard CDs - Rewards
$0
1.40% ▼ 1.66% below Virginia avg
View
▼
Rate1.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.06%▼ 1.66% below avgNationally 2.99%
Details

Rewards APY

Rate History
No change since Oct 14, 2026 · 1.40% APY · checked 2 times
0.90%1.40%1.90%Oct 14, 2026: 1.40% APYOct 14, 2026Oct 25, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1 Geico Blvd, Fredericksburg, VA 22412
12 Month Standard IRA CDs - Rewards
$0
1.40% ▼ 1.66% below Virginia avg
View
▼
Rate1.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.06%▼ 1.66% below avgNationally 2.99%
Details

Rewards APY column; Dividend Rate 1.39%

Rate History
No change since Oct 19, 2026 · 1.40% APY
0.90%1.40%1.90%Oct 19, 2026: 1.40% APYOct 19, 2026Oct 25, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1 Geico Blvd, Fredericksburg, VA 22412
12 Month Standard CDs - Regular
$0
1.30% ▼ 1.76% below Virginia avg
View
▼
Rate1.29%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.06%▼ 1.76% below avgNationally 2.99%
Details

Regular APY

Rate History
No change since Oct 14, 2026 · 1.30% APY · checked 2 times
0.80%1.30%1.80%Oct 14, 2026: 1.30% APYOct 14, 2026Oct 25, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1 Geico Blvd, Fredericksburg, VA 22412
12 Month Standard IRA CDs - Regular
$0
1.30% ▼ 1.76% below Virginia avg
View
▼
Rate1.29%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.06%▼ 1.76% below avgNationally 2.99%
Details

Regular APY column; Dividend Rate 1.29%

Rate History
No change since Oct 19, 2026 · 1.30% APY
0.80%1.30%1.80%Oct 19, 2026: 1.30% APYOct 19, 2026Oct 25, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1575 Emancipation Hwy, Fredericksburg, VA 22401
1-Year RampUp Plus CD
$25,000
0.25% ▼ 2.81% below Virginia avg
View
▼
Rate0.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.06%▼ 2.81% below avgNationally 2.99%
Details

Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 2 times
0.00%0.38%0.75%Sep 24, 2026: 0.25% APYSep 24, 2026Oct 25, 2026
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
400 George St, Fredericksburg, VA 22401
12 Month Personal Certificate of Deposit
$1,000
0.05% ▼ 3.01% below Virginia avg
View
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.06%▼ 3.01% below avgNationally 2.99%
Details

Standard rate for all terms 7 days - 60 months, all balances; Rates as of 5/12/2026

Rate History
No change since Oct 23, 2026 · 0.05% APY
0.00%0.28%0.55%Oct 23, 2026: 0.05% APYOct 23, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4319 Plank Rd, Fredericksburg, VA 22407
Certificate of Deposit - 12 Months
$1,000
0.03% ▼ 3.03% below Virginia avg
View
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average3.06%▼ 3.03% below avgNationally 2.99%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4319 Plank Rd, Fredericksburg, VA 22407
IRA CD 12 Months
$250
0.03% ▼ 3.03% below Virginia avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average3.06%▼ 3.03% below avgNationally 2.99%
Details

Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 14, 2026: 0.03% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4319 Plank Rd, Fredericksburg, VA 22407
Certificate of Deposit - 12 Months
$1,000
0.02% ▼ 3.04% below Virginia avg
View
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average3.06%▼ 3.04% below avgNationally 2.99%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4319 Plank Rd, Fredericksburg, VA 22407
IRA CD 12 Months
$250
0.02% ▼ 3.04% below Virginia avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average3.06%▼ 3.04% below avgNationally 2.99%
Details

Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 14, 2026: 0.02% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4319 Plank Rd, Fredericksburg, VA 22407
Certificate of Deposit - 12 Months
$1,000
0.01% ▼ 3.05% below Virginia avg
View
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average3.06%▼ 3.05% below avgNationally 2.99%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4319 Plank Rd, Fredericksburg, VA 22407
IRA CD 12 Months
$250
0.01% ▼ 3.05% below Virginia avg
View
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average3.06%▼ 3.05% below avgNationally 2.99%
Details

Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 14, 2026: 0.01% APYOct 14, 2026Oct 25, 2026
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
Share Certificate - Flexible Saver - 1 Year Certificate
$100
6.00% ▲ 2.94% above Virginia avg
View
▼
Rate5.83%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.06%▲ 2.94% above avgNationally 2.99%
Details

Rates effective as of 10/22/2026

Rate History
No change since Oct 23, 2026 · 6.00% APY
5.50%6.00%6.50%Oct 23, 2026: 6.00% APYOct 23, 2026Oct 25, 2026

Fredericksburg 18 Month CD Rates

Virginia 18 Month CD Average3.21% APYNational 2.88%▲ 0.12% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
SFGI Direct
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
2521 Cowan Blvd, Fredericksburg, VA 22401
18-Month CD
$1,000
4.40% ▲ 1.19% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average3.21%▲ 1.19% above avgNationally 2.88%
Details

APY available on a new CD opened with a minimum of $1,000.00; no additional deposits during the term; early withdrawal penalty may apply; APY accurate as of October 22nd, 2026

Rate History
1 change since Sep 28, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
3.80%4.35%4.90%Sep 28, 2026: 4.30% APYOct 7, 2026: 4.40% APYSep 28, 2026Oct 25, 2026
  • Oct 7, 20264.40%▲ from 4.30%
  • Sep 28, 20264.30%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3445 Fall Hill Ave, Fredericksburg, VA 22401
18 Month Short-Term Certificate
$0
4.15% ▲ 0.94% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average3.21%▲ 0.94% above avgNationally 2.88%
Details

Balance: $100,000.00 and over; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals

Rate History
No change since Oct 20, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 20, 2026: 4.15% APYOct 20, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3445 Fall Hill Ave, Fredericksburg, VA 22401
18 Month Short-Term Certificate
$0
4.10% ▲ 0.89% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average3.21%▲ 0.89% above avgNationally 2.88%
Details

Balance: $1,000.00 - $19,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals

Rate History
No change since Oct 20, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 25, 2026
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
2062 Plank Rd, Fredericksburg, VA 22401
18 MONTH SELECT Certificate of Deposit
$1,000
3.85% ▲ 0.64% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average3.21%▲ 0.64% above avgNationally 2.88%
Details

Featured CD rate; Requires a qualifying M&T Bank checking account; Schedule an appointment to open

Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 5 times
3.35%3.85%4.35%Oct 7, 2026: 3.85% APYOct 7, 2026Oct 25, 2026
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
2062 Plank Rd, Fredericksburg, VA 22401
18-Month M&T Select CD
$1,000
3.85% ▲ 0.64% above Virginia avg
View
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average3.21%▲ 0.64% above avgNationally 2.88%
Details

Featured M&T Certificate of Deposit; requires a qualifying M&T Bank checking account to open (M&T Select CD); minimum balance to obtain APY is $1.00 after opening

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 9 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 25, 2026
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
2004 Augustine Ave, Fredericksburg, VA 22401
18-Month Certificate
$0
3.81% ▲ 0.60% above Virginia avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.21%▲ 0.60% above avgNationally 2.88%
Details

Balance: $25,000.00 and over

Rate History
1 change since Sep 14, 2026 · 3.75% → 3.81% ▲ 0.06 pts · high 3.81% / low 3.75%
3.25%3.78%4.31%Sep 14, 2026: 3.75% APYOct 9, 2026: 3.81% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20263.81%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1 Geico Blvd, Fredericksburg, VA 22412
18 Month CD Specials - Regular
$0
3.80% ▲ 0.59% above Virginia avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.21%▲ 0.59% above avgNationally 2.88%
Details

Regular APY

Rate History
No change since Oct 14, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 14, 2026: 3.80% APYOct 14, 2026Oct 25, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1 Geico Blvd, Fredericksburg, VA 22412
18 Month CD Specials - Rewards
$0
3.80% ▲ 0.59% above Virginia avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.21%▲ 0.59% above avgNationally 2.88%
Details

Rewards APY

Rate History
No change since Oct 19, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 19, 2026: 3.80% APYOct 19, 2026Oct 25, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1 Geico Blvd, Fredericksburg, VA 22412
18 Month IRA CD Specials - Regular
$0
3.80% ▲ 0.59% above Virginia avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.21%▲ 0.59% above avgNationally 2.88%
Details

Regular APY

Rate History
No change since Oct 19, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 19, 2026: 3.80% APYOct 19, 2026Oct 25, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1 Geico Blvd, Fredericksburg, VA 22412
18 Month IRA CD Specials - Rewards
$0
3.80% ▲ 0.59% above Virginia avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.21%▲ 0.59% above avgNationally 2.88%
Details

Rewards APY

Rate History
No change since Oct 19, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 19, 2026: 3.80% APYOct 19, 2026Oct 25, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1 Geico Blvd, Fredericksburg, VA 22412
IRA CD Specials - 18-month term
$0
3.80% ▲ 0.59% above Virginia avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.21%▲ 0.59% above avgNationally 2.88%
Details

Rewards APY

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.80% / low 3.65%
3.15%3.72%4.30%Sep 14, 2026: 3.65% APYOct 19, 2026: 3.80% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20263.80%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
2004 Augustine Ave, Fredericksburg, VA 22401
18-Month Certificate
$0
3.71% ▲ 0.50% above Virginia avg
View
▼
Rate3.66%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.21%▲ 0.50% above avgNationally 2.88%
Details

Balance: $100.00 - $24,999.99

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.71% ▲ 0.06 pts · high 3.71% / low 3.65%
3.15%3.68%4.21%Sep 14, 2026: 3.65% APYOct 9, 2026: 3.71% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20263.71%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3445 Fall Hill Ave, Fredericksburg, VA 22401
18 Month EasyStart Certificate
$50
3.70% ▲ 0.49% above Virginia avg
View
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average3.21%▲ 0.49% above avgNationally 2.88%
Details

Share, IRA, ESA; Rates as of Oct 19, 2026 ET

Rate History
No change since Oct 20, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 20, 2026: 3.70% APYOct 20, 2026Oct 25, 2026
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
2004 Augustine Ave, Fredericksburg, VA 22401
18-Month Share Certificate
$0
3.65% ▲ 0.44% above Virginia avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.21%▲ 0.44% above avgNationally 2.88%
Details

Balance: $25,000.00 and over

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 25, 2026
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
2004 Augustine Ave, Fredericksburg, VA 22401
18-Month Share Certificate
$0
3.55% ▲ 0.34% above Virginia avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.21%▲ 0.34% above avgNationally 2.88%
Details

Balance: $100.00 - $24,999.99

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 25, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1575 Emancipation Hwy, Fredericksburg, VA 22401
18-Month Term CD
$1,000
2.75% ▼ 0.46% below Virginia avg
View
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.21%▼ 0.46% below avgNationally 2.88%
Details

Rate History
No change since Oct 19, 2026 · 2.75% APY
2.25%2.75%3.25%Oct 19, 2026: 2.75% APYOct 19, 2026Oct 25, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1575 Emancipation Hwy, Fredericksburg, VA 22401
Term CD - 18-Month
$1,000
2.75% ▼ 0.46% below Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.21%▼ 0.46% below avgNationally 2.88%
Details

Minimum of $1,000 to open your account; 18-Month CD renews as a 2-Year Term CD at the then-published APY

Rate History
No change since Oct 19, 2026 · 2.75% APY
2.25%2.75%3.25%Oct 19, 2026: 2.75% APYOct 19, 2026Oct 25, 2026
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
2150 Gordon W Shelton Blvd, Fredericksburg, VA 22401 4974
18 month variable IRA
$100,000
2.70% ▼ 0.51% below Virginia avg
View
▼
Rate2.67%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.21%▼ 0.51% below avgNationally 2.88%
Details

Compounding: Monthly

Rate History
No change since Oct 6, 2026 · 2.70% APY · checked 4 times
2.20%2.70%3.20%Oct 6, 2026: 2.70% APYOct 6, 2026Oct 25, 2026
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
2150 Gordon W Shelton Blvd, Fredericksburg, VA 22401 4974
18 month variable IRA
$50,000
2.60% ▼ 0.61% below Virginia avg
View
▼
Rate2.57%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.21%▼ 0.61% below avgNationally 2.88%
Details

Compounding: Monthly

Rate History
No change since Oct 6, 2026 · 2.60% APY · checked 4 times
2.10%2.60%3.10%Oct 6, 2026: 2.60% APYOct 6, 2026Oct 25, 2026
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
2150 Gordon W Shelton Blvd, Fredericksburg, VA 22401 4974
18 month variable IRA
$5,000
2.51% ▼ 0.70% below Virginia avg
View
▼
Rate2.48%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.21%▼ 0.70% below avgNationally 2.88%
Details

Compounding: Monthly

Rate History
No change since Oct 6, 2026 · 2.51% APY · checked 4 times
2.01%2.51%3.01%Oct 6, 2026: 2.51% APYOct 6, 2026Oct 25, 2026
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
2150 Gordon W Shelton Blvd, Fredericksburg, VA 22401 4974
18 month variable IRA
$500
2.50% ▼ 0.71% below Virginia avg
View
▼
Rate2.48%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.21%▼ 0.71% below avgNationally 2.88%
Details

Compounding: Quarterly

Rate History
No change since Oct 6, 2026 · 2.50% APY · checked 4 times
2.00%2.50%3.00%Oct 6, 2026: 2.50% APYOct 6, 2026Oct 25, 2026
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
501 C Emancipation Highway, Fredericksburg, VA 22401
18 Month Standard Rate CDs
$500
1.80% ▼ 1.41% below Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average3.21%▼ 1.41% below avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 1.80% APY · checked 7 times
1.30%1.80%2.30%Sep 18, 2026: 1.80% APYSep 18, 2026Oct 25, 2026
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
400 George St, Fredericksburg, VA 22401
18 Month Personal Certificate of Deposit
$1,000
0.05% ▼ 3.16% below Virginia avg
View
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.21%▼ 3.16% below avgNationally 2.88%
Details

Standard rate for all terms 7 days - 60 months, all balances; Rates as of 5/12/2026

Rate History
No change since Oct 23, 2026 · 0.05% APY
0.00%0.28%0.55%Oct 23, 2026: 0.05% APYOct 23, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4319 Plank Rd, Fredericksburg, VA 22407
Certificate of Deposit - 18 Months
$1,000
0.03% ▼ 3.18% below Virginia avg
View
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average3.21%▼ 3.18% below avgNationally 2.88%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4319 Plank Rd, Fredericksburg, VA 22407
IRA CD 18 Months
$250
0.03% ▼ 3.18% below Virginia avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average3.21%▼ 3.18% below avgNationally 2.88%
Details

Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 14, 2026: 0.03% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4319 Plank Rd, Fredericksburg, VA 22407
Certificate of Deposit - 18 Months
$1,000
0.02% ▼ 3.19% below Virginia avg
View
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average3.21%▼ 3.19% below avgNationally 2.88%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4319 Plank Rd, Fredericksburg, VA 22407
IRA CD 18 Months
$250
0.02% ▼ 3.19% below Virginia avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average3.21%▼ 3.19% below avgNationally 2.88%
Details

Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 14, 2026: 0.02% APYOct 14, 2026Oct 25, 2026
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1575 Emancipation Hwy, Fredericksburg, VA 22401
18 Month Certificate of Deposit
$500
0.02% ▼ 3.19% below Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average3.21%▼ 3.19% below avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 0.02% APY · checked 7 times
0.00%0.26%0.52%Sep 18, 2026: 0.02% APYSep 18, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4319 Plank Rd, Fredericksburg, VA 22407
Certificate of Deposit - 18 Months
$1,000
0.01% ▼ 3.20% below Virginia avg
View
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average3.21%▼ 3.20% below avgNationally 2.88%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4319 Plank Rd, Fredericksburg, VA 22407
IRA CD 18 Months
$250
0.01% ▼ 3.20% below Virginia avg
View
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average3.21%▼ 3.20% below avgNationally 2.88%
Details

Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 14, 2026: 0.01% APYOct 14, 2026Oct 25, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
18 Month Jumbo CD - Senior
$50,000
4.45% ▲ 1.24% above Virginia avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.21%▲ 1.24% above avgNationally 2.88%
Details

Senior rate

Rate History
No change since Oct 19, 2026 · 4.45% APY
3.95%4.45%4.95%Oct 19, 2026: 4.45% APYOct 19, 2026Oct 25, 2026
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
18 Month CD
$1,000
4.35% ▲ 1.14% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average3.21%▲ 1.14% above avgNationally 2.88%
Details

APY accurate as of 09/24/2026; APY assumes interest remains on deposit until maturity date; Penalty for early withdrawal may reduce earnings

Rate History
No change since Sep 18, 2026 · 4.35% APY · checked 8 times
3.85%4.35%4.85%Sep 18, 2026: 4.35% APYSep 18, 2026Oct 25, 2026
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Certificate of Deposit - 18 Months
$1,000
4.35% ▲ 1.14% above Virginia avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average3.21%▲ 1.14% above avgNationally 2.88%
Details

Rate History
No change since Oct 14, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 14, 2026: 4.35% APYOct 14, 2026Oct 25, 2026
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
18 month Certificate
$0
4.35% ▲ 1.14% above Virginia avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.21%▲ 1.14% above avgNationally 2.88%
Details

Minimum balance to earn dividends on certificates and IRA certificates is $10,000.00

Rate History
No change since Oct 15, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 15, 2026: 4.35% APYOct 15, 2026Oct 25, 2026
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
18 month IRA Certificate
$0
4.35% ▲ 1.14% above Virginia avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.21%▲ 1.14% above avgNationally 2.88%
Details

Minimum balance to earn dividends on certificates and IRA certificates is $10,000.00

Rate History
No change since Oct 15, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 15, 2026: 4.35% APYOct 15, 2026Oct 25, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
18 Month Share Certificate
$0
4.35% ▲ 1.14% above Virginia avg
View
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.21%▲ 1.14% above avgNationally 2.88%
Details

Rate History
No change since Oct 23, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 23, 2026: 4.35% APYOct 23, 2026Oct 25, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
18 Month Regular CD - Senior
$500
4.35% ▲ 1.14% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.21%▲ 1.14% above avgNationally 2.88%
Details

Senior rate

Rate History
No change since Oct 19, 2026 · 4.35% APY
3.85%4.35%4.85%Oct 19, 2026: 4.35% APYOct 19, 2026Oct 25, 2026
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
18 Month Share Certificates
$500
4.30% ▲ 1.09% above Virginia avg
View
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.21%▲ 1.09% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.67% → 4.30% ▲ 0.63 pts · high 4.30% / low 3.67%
3.04%3.99%4.93%Sep 14, 2026: 3.67% APYOct 4, 2026: 4.30% APYSep 14, 2026Oct 25, 2026
  • Oct 4, 20264.30%▲ from 3.67%
  • Sep 14, 20263.67%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Business Share Certificate - 18 Months
$500
4.30% ▲ 1.09% above Virginia avg
View
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.21%▲ 1.09% above avgNationally 2.88%
Details

Minimum balance of $500 required; Dividends compounded daily and credited monthly; Penalties apply for early withdrawal

Rate History
1 change since Oct 4, 2026 · 4.35% → 4.30% ▼ 0.05 pts · high 4.35% / low 4.30%
3.80%4.32%4.85%Oct 4, 2026: 4.35% APYOct 12, 2026: 4.30% APYOct 4, 2026Oct 25, 2026
  • Oct 12, 20264.30%▼ from 4.35%
  • Oct 4, 20264.35%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Share Certificate - 18 Months
$500
4.30% ▲ 1.09% above Virginia avg
View
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.21%▲ 1.09% above avgNationally 2.88%
Details

Minimum balance of $500 required; Penalties apply for early withdrawal

Rate History
No change since Oct 4, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 4, 2026: 4.30% APYOct 4, 2026Oct 25, 2026
Alero Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
18-Month Promotional Share Certificate
$500
4.27% ▲ 1.06% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average3.21%▲ 1.06% above avgNationally 2.88%
Details

Must be funded with New Money from another financial institution; Requires an eligible Fusion Plus Checking Account established when the certificate is opened; Dividends compound daily; Rate is fixed for the 18-month term

Rate History
No change since Oct 22, 2026 · 4.27% APY
3.77%4.27%4.77%Oct 22, 2026: 4.27% APYOct 22, 2026Oct 25, 2026
Alero Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
18-Month Share Certificate
$0
4.27% ▲ 1.06% above Virginia avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average3.21%▲ 1.06% above avgNationally 2.88%
Details

Promo Rate; Includes Individual Retirement Account (IRA) Share Certificates and Coverdell Education Savings Account (ESA) Share Certificates; Penalties will apply for early withdrawal of funds

Rate History
No change since Oct 22, 2026 · 4.27% APY
3.77%4.27%4.77%Oct 22, 2026: 4.27% APYOct 22, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
18 Month TD Choice CD
$250
4.25% ▲ 1.04% above Virginia avg
View
▼
Rate4.17%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average3.21%▲ 1.04% above avgNationally 2.88%
Details

Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 20, 2026: 4.25% APYOct 20, 2026Oct 25, 2026
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
18 Month IRA Certificates
$500
4.25% ▲ 1.04% above Virginia avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.21%▲ 1.04% above avgNationally 2.88%
Details

Early withdrawal penalties may apply

Rate History
1 change since Sep 24, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50%
2.75%3.88%5.00%Sep 24, 2026: 3.50% APYOct 4, 2026: 4.25% APYSep 24, 2026Oct 25, 2026
  • Oct 4, 20264.25%▲ from 3.50%
  • Sep 24, 20263.50%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
Share Certificate - 18 Month
$1,000
4.25% ▲ 1.04% above Virginia avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.21%▲ 1.04% above avgNationally 2.88%
Details

Minimum to open $1,000.00; Rates effective 10-22-2026

Rate History
No change since Oct 12, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 12, 2026: 4.25% APYOct 12, 2026Oct 25, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
18 Month Share Certificate
$500
4.25% ▲ 1.04% above Virginia avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.21%▲ 1.04% above avgNationally 2.88%
Details

Rate Effective Date: October 23, 2026

Rate History
1 change since Oct 5, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Oct 5, 2026: 3.75% APYOct 13, 2026: 4.25% APYOct 5, 2026Oct 25, 2026
  • Oct 13, 20264.25%▲ from 3.75%
  • Oct 5, 20263.75%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
18 Month Jumbo CD
$50,000
4.25% ▲ 1.04% above Virginia avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.21%▲ 1.04% above avgNationally 2.88%
Details

Rate History
1 change since Sep 21, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
3.40%4.08%4.75%Sep 21, 2026: 3.90% APYOct 5, 2026: 4.25% APYSep 21, 2026Oct 25, 2026
  • Oct 5, 20264.25%▲ from 3.90%
  • Sep 21, 20263.90%first recorded
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
Regular Certificate 18 Month
$500
4.25% ▲ 1.04% above Virginia avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.21%▲ 1.04% above avgNationally 2.88%
Details

Rates effective 6/1/2026; $500 minimum opening balance; dividends compounded and credited quarterly

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
18 Month TD Choice CD
$250
4.24% ▲ 1.03% above Virginia avg
View
▼
Rate4.16%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average3.21%▲ 1.03% above avgNationally 2.88%
Details

Non-Promotional Rates; Balance: $0.01-$9,999.99

Rate History
No change since Oct 20, 2026 · 4.24% APY · checked 2 times
3.74%4.24%4.74%Oct 20, 2026: 4.24% APYOct 20, 2026Oct 25, 2026
Marine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
18 Month Jumbo Share Certificate
$100,000
4.18% ▲ 0.97% above Virginia avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.21%▲ 0.97% above avgNationally 2.88%
Details

Jumbo APY ($100,000 Min); Renewal: Automatic Renewal

Rate History
No change since Oct 22, 2026 · 4.18% APY · checked 2 times
3.68%4.18%4.68%Oct 22, 2026: 4.18% APYOct 22, 2026Oct 25, 2026

Fredericksburg 24 Month CD Rates

Virginia 24 Month CD Average2.98% APYNational 2.90%▲ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3445 Fall Hill Ave, Fredericksburg, VA 22401
24 Month Short-Term Certificate
$0
3.70% ▲ 0.72% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.98%▲ 0.72% above avgNationally 2.90%
Details

Balance: $100,000.00 and over; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals

Rate History
No change since Oct 20, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 20, 2026: 3.70% APYOct 20, 2026Oct 25, 2026
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
2004 Augustine Ave, Fredericksburg, VA 22401
24-Month Certificate
$0
3.70% ▲ 0.72% above Virginia avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.98%▲ 0.72% above avgNationally 2.90%
Details

Balance: $25,000.00 and over

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 9 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3445 Fall Hill Ave, Fredericksburg, VA 22401
24 Month Short-Term Certificate
$0
3.66% ▲ 0.68% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.98%▲ 0.68% above avgNationally 2.90%
Details

Balance: $1,000.00 - $19,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals

Rate History
No change since Oct 20, 2026 · 3.66% APY
3.16%3.66%4.16%Oct 20, 2026: 3.66% APYOct 20, 2026Oct 25, 2026
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
2004 Augustine Ave, Fredericksburg, VA 22401
24-Month (2 year) Share Certificate
$0
3.65% ▲ 0.67% above Virginia avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.98%▲ 0.67% above avgNationally 2.90%
Details

Balance: $25,000.00 and over; 2 year

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3445 Fall Hill Ave, Fredericksburg, VA 22401
24 Month EasyStart Certificate
$50
3.60% ▲ 0.62% above Virginia avg
View
▼
Rate3.54%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.98%▲ 0.62% above avgNationally 2.90%
Details

Share, IRA, ESA; Rates as of Oct 19, 2026 ET

Rate History
No change since Oct 20, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 20, 2026: 3.60% APYOct 20, 2026Oct 25, 2026
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
2004 Augustine Ave, Fredericksburg, VA 22401
2-Year IRA Certificate
$0
3.60% ▲ 0.62% above Virginia avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.98%▲ 0.62% above avgNationally 2.90%
Details

Balance: $25,000.00 + over

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 9 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 25, 2026
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
2004 Augustine Ave, Fredericksburg, VA 22401
24-Month Certificate
$0
3.60% ▲ 0.62% above Virginia avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.98%▲ 0.62% above avgNationally 2.90%
Details

Balance: $100.00 - $24,999.99

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 9 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 25, 2026
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
2150 Gordon W Shelton Blvd, Fredericksburg, VA 22401 4974
24 Month Certificate
$100,000
3.60% ▲ 0.62% above Virginia avg
View
▼
Rate3.54%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.98%▲ 0.62% above avgNationally 2.90%
Details

Compounding: Monthly

Rate History
No change since Sep 30, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 30, 2026: 3.60% APYSep 30, 2026Oct 25, 2026
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
2150 Gordon W Shelton Blvd, Fredericksburg, VA 22401 4974
24 month IRA
$100,000
3.60% ▲ 0.62% above Virginia avg
View
▼
Rate3.54%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.98%▲ 0.62% above avgNationally 2.90%
Details

Compounding: Monthly

Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 4 times
3.10%3.60%4.10%Oct 6, 2026: 3.60% APYOct 6, 2026Oct 25, 2026
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
2004 Augustine Ave, Fredericksburg, VA 22401
24-Month (2 year) Share Certificate
$0
3.55% ▲ 0.57% above Virginia avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.98%▲ 0.57% above avgNationally 2.90%
Details

Balance: $100.00 - $24,999.99; 2 year

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 25, 2026
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
2004 Augustine Ave, Fredericksburg, VA 22401
2-Year IRA Certificate
$0
3.50% ▲ 0.52% above Virginia avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.98%▲ 0.52% above avgNationally 2.90%
Details

Balance: $100.00 - $24,999.99

Rate History
No change since Sep 21, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 21, 2026: 3.50% APYSep 21, 2026Oct 25, 2026
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
2150 Gordon W Shelton Blvd, Fredericksburg, VA 22401 4974
24 Month Certificate
$50,000
3.50% ▲ 0.52% above Virginia avg
View
▼
Rate3.44%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.98%▲ 0.52% above avgNationally 2.90%
Details

Compounding: Monthly

Rate History
No change since Sep 30, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 30, 2026: 3.50% APYSep 30, 2026Oct 25, 2026
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
2150 Gordon W Shelton Blvd, Fredericksburg, VA 22401 4974
24 month IRA
$50,000
3.50% ▲ 0.52% above Virginia avg
View
▼
Rate3.44%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.98%▲ 0.52% above avgNationally 2.90%
Details

Compounding: Monthly

Rate History
No change since Oct 6, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Oct 6, 2026: 3.50% APYOct 6, 2026Oct 25, 2026
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
2150 Gordon W Shelton Blvd, Fredericksburg, VA 22401 4974
24 Month Certificate
$5,000
3.41% ▲ 0.43% above Virginia avg
View
▼
Rate3.36%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.98%▲ 0.43% above avgNationally 2.90%
Details

Compounding: Monthly

Rate History
No change since Sep 30, 2026 · 3.41% APY · checked 5 times
2.91%3.41%3.91%Sep 30, 2026: 3.41% APYSep 30, 2026Oct 25, 2026
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
2150 Gordon W Shelton Blvd, Fredericksburg, VA 22401 4974
24 month IRA
$5,000
3.41% ▲ 0.43% above Virginia avg
View
▼
Rate3.36%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.98%▲ 0.43% above avgNationally 2.90%
Details

Compounding: Monthly

Rate History
No change since Oct 6, 2026 · 3.41% APY · checked 4 times
2.91%3.41%3.91%Oct 6, 2026: 3.41% APYOct 6, 2026Oct 25, 2026
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
2150 Gordon W Shelton Blvd, Fredericksburg, VA 22401 4974
24 Month Certificate
$500
3.40% ▲ 0.42% above Virginia avg
View
▼
Rate3.36%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.98%▲ 0.42% above avgNationally 2.90%
Details

Compounding: Quarterly

Rate History
No change since Sep 30, 2026 · 3.40% APY · checked 5 times
2.90%3.40%3.90%Sep 30, 2026: 3.40% APYSep 30, 2026Oct 25, 2026
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
2150 Gordon W Shelton Blvd, Fredericksburg, VA 22401 4974
24 month IRA
$100
3.40% ▲ 0.42% above Virginia avg
View
▼
Rate3.36%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.98%▲ 0.42% above avgNationally 2.90%
Details

Compounding: Quarterly

Rate History
No change since Oct 6, 2026 · 3.40% APY · checked 4 times
2.90%3.40%3.90%Oct 6, 2026: 3.40% APYOct 6, 2026Oct 25, 2026
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
1151 Carl D Silver Pkwy, Fredericksburg, VA 22401 4914
2 Year - Certificate or IRA Certificate
$1,000
2.78% ▼ 0.20% below Virginia avg
View
▼
Rate2.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.98%▼ 0.20% below avgNationally 2.90%
Details

Minimum to Open: $1,000.00; Minimum to Earn APY: $1,000.00

Rate History
No change since Sep 25, 2026 · 2.78% APY · checked 6 times
2.28%2.78%3.28%Sep 25, 2026: 2.78% APYSep 25, 2026Oct 25, 2026
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
1151 Carl D Silver Pkwy, Fredericksburg, VA 22401 4914
Youth Share Certificates - 2 Year Certificate
$100
2.78% ▼ 0.20% below Virginia avg
View
▼
Rate2.75%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.98%▼ 0.20% below avgNationally 2.90%
Details

Rate History
No change since Sep 25, 2026 · 2.78% APY · checked 6 times
2.28%2.78%3.28%Sep 25, 2026: 2.78% APYSep 25, 2026Oct 25, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1 Geico Blvd, Fredericksburg, VA 22412
24 Month Standard CDs - Rewards
$0
2.60% ▼ 0.38% below Virginia avg
View
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.98%▼ 0.38% below avgNationally 2.90%
Details

Rewards APY

Rate History
No change since Oct 14, 2026 · 2.60% APY · checked 2 times
2.10%2.60%3.10%Oct 14, 2026: 2.60% APYOct 14, 2026Oct 25, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1 Geico Blvd, Fredericksburg, VA 22412
24 Month Standard IRA CDs - Rewards
$0
2.60% ▼ 0.38% below Virginia avg
View
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.98%▼ 0.38% below avgNationally 2.90%
Details

Rewards APY column; Dividend Rate 2.57%

Rate History
No change since Oct 19, 2026 · 2.60% APY
2.10%2.60%3.10%Oct 19, 2026: 2.60% APYOct 19, 2026Oct 25, 2026
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
4805 Lassen Ln, Fredericksburg, VA 22408
2 Year Standard CD
$1,000
2.50% ▼ 0.48% below Virginia avg
View
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.98%▼ 0.48% below avgNationally 2.90%
Details

Standard CD/IRA term; minimum opening deposit CD $1,000, IRA $500

Rate History
No change since Oct 20, 2026 · 2.50% APY
2.00%2.50%3.00%Oct 20, 2026: 2.50% APYOct 20, 2026Oct 25, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1 Geico Blvd, Fredericksburg, VA 22412
24 Month Standard CDs - Regular
$0
2.34% ▼ 0.64% below Virginia avg
View
▼
Rate2.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.98%▼ 0.64% below avgNationally 2.90%
Details

Regular APY

Rate History
No change since Oct 14, 2026 · 2.34% APY · checked 2 times
1.84%2.34%2.84%Oct 14, 2026: 2.34% APYOct 14, 2026Oct 25, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1 Geico Blvd, Fredericksburg, VA 22412
24 Month Standard IRA CDs - Regular
$0
2.34% ▼ 0.64% below Virginia avg
View
▼
Rate2.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.98%▼ 0.64% below avgNationally 2.90%
Details

Regular APY column; Dividend Rate 2.32%

Rate History
No change since Oct 19, 2026 · 2.34% APY
1.84%2.34%2.84%Oct 19, 2026: 2.34% APYOct 19, 2026Oct 25, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
1800 Carl D Silver Pkwy, Fredericksburg, VA 22401
2 Year Certificate of Deposit
$500
2.25% ▼ 0.73% below Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.98%▼ 0.73% below avgNationally 2.90%
Details

APY calculated on monthly compounding assuming interest remains on deposit until maturity

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 9 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 25, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
1800 Carl D Silver Pkwy, Fredericksburg, VA 22401
2 Year IRA Certificate of Deposit
$500
2.25% ▼ 0.73% below Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.98%▼ 0.73% below avgNationally 2.90%
Details

Early withdrawal penalties may apply

Rate History
No change since Sep 27, 2026 · 2.25% APY · checked 2 times
1.75%2.25%2.75%Sep 27, 2026: 2.25% APYSep 27, 2026Oct 25, 2026
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
501 C Emancipation Highway, Fredericksburg, VA 22401
2 Year Standard Rate CDs
$500
1.80% ▼ 1.18% below Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average2.98%▼ 1.18% below avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 1.80% APY · checked 7 times
1.30%1.80%2.30%Sep 18, 2026: 1.80% APYSep 18, 2026Oct 25, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1575 Emancipation Hwy, Fredericksburg, VA 22401
2-Year Jumbo CD
$100,000
0.40% ▼ 2.58% below Virginia avg
View
▼
Rate0.40%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.98%▼ 2.58% below avgNationally 2.90%
Details

Rate History
No change since Sep 24, 2026 · 0.40% APY · checked 2 times
0.00%0.45%0.90%Sep 24, 2026: 0.40% APYSep 24, 2026Oct 25, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1575 Emancipation Hwy, Fredericksburg, VA 22401
2-Year Term CD
$1,000
0.40% ▼ 2.58% below Virginia avg
View
▼
Rate0.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.98%▼ 2.58% below avgNationally 2.90%
Details

Rate History
No change since Oct 19, 2026 · 0.40% APY
0.00%0.45%0.90%Oct 19, 2026: 0.40% APYOct 19, 2026Oct 25, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1575 Emancipation Hwy, Fredericksburg, VA 22401
Term CD - 2-Year
$1,000
0.40% ▼ 2.58% below Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.98%▼ 2.58% below avgNationally 2.90%
Details

Minimum of $1,000 to open your account

Rate History
No change since Oct 19, 2026 · 0.40% APY
0.00%0.45%0.90%Oct 19, 2026: 0.40% APYOct 19, 2026Oct 25, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1575 Emancipation Hwy, Fredericksburg, VA 22401
2-Year RampUp Plus CD
$25,000
0.25% ▼ 2.73% below Virginia avg
View
▼
Rate0.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.98%▼ 2.73% below avgNationally 2.90%
Details

Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 2 times
0.00%0.38%0.75%Sep 24, 2026: 0.25% APYSep 24, 2026Oct 25, 2026
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1575 Emancipation Hwy, Fredericksburg, VA 22401
2 Year Certificate of Deposit
$500
0.05% ▼ 2.93% below Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average2.98%▼ 2.93% below avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 7 times
0.00%0.28%0.55%Sep 18, 2026: 0.05% APYSep 18, 2026Oct 25, 2026
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
400 George St, Fredericksburg, VA 22401
24 Month Personal Certificate of Deposit
$1,000
0.05% ▼ 2.93% below Virginia avg
View
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.98%▼ 2.93% below avgNationally 2.90%
Details

Standard rate for all terms 7 days - 60 months, all balances; Rates as of 5/12/2026

Rate History
No change since Oct 23, 2026 · 0.05% APY
0.00%0.28%0.55%Oct 23, 2026: 0.05% APYOct 23, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4319 Plank Rd, Fredericksburg, VA 22407
Certificate of Deposit - 24 Months
$1,000
0.03% ▼ 2.95% below Virginia avg
View
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.98%▼ 2.95% below avgNationally 2.90%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4319 Plank Rd, Fredericksburg, VA 22407
IRA CD 24 Months
$250
0.03% ▼ 2.95% below Virginia avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.98%▼ 2.95% below avgNationally 2.90%
Details

Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 14, 2026: 0.03% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4319 Plank Rd, Fredericksburg, VA 22407
Certificate of Deposit - 24 Months
$1,000
0.02% ▼ 2.96% below Virginia avg
View
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.98%▼ 2.96% below avgNationally 2.90%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4319 Plank Rd, Fredericksburg, VA 22407
IRA CD 24 Months
$250
0.02% ▼ 2.96% below Virginia avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.98%▼ 2.96% below avgNationally 2.90%
Details

Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 14, 2026: 0.02% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4319 Plank Rd, Fredericksburg, VA 22407
Certificate of Deposit - 24 Months
$1,000
0.01% ▼ 2.97% below Virginia avg
View
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.98%▼ 2.97% below avgNationally 2.90%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4319 Plank Rd, Fredericksburg, VA 22407
IRA CD 24 Months
$250
0.01% ▼ 2.97% below Virginia avg
View
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.98%▼ 2.97% below avgNationally 2.90%
Details

Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 14, 2026: 0.01% APYOct 14, 2026Oct 25, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
New Money CD - 24 Month
$1,000
4.60% ▲ 1.62% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.98%▲ 1.62% above avgNationally 2.90%
Details

New Money CD; Minimum balance to open account online: $1,000

Rate History
1 change since Sep 27, 2026 · 4.45% → 4.60% ▲ 0.15 pts · high 4.60% / low 4.45%
3.95%4.53%5.10%Sep 27, 2026: 4.45% APYOct 14, 2026: 4.60% APYSep 27, 2026Oct 25, 2026
  • Oct 14, 20264.60%▲ from 4.45%
  • Sep 27, 20264.45%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
24 Month Elite Jumbo CD
$250,000
4.45% ▲ 1.47% above Virginia avg
View
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.98%▲ 1.47% above avgNationally 2.90%
Details

Rate History
1 change since Sep 21, 2026 · 4.10% → 4.45% ▲ 0.35 pts · high 4.45% / low 4.10%
3.60%4.28%4.95%Sep 21, 2026: 4.10% APYOct 5, 2026: 4.45% APYSep 21, 2026Oct 25, 2026
  • Oct 5, 20264.45%▲ from 4.10%
  • Sep 21, 20264.10%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
HSBC Wealth Center/Telephone CD - 24 Month
$1,000
4.40% ▲ 1.42% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.98%▲ 1.42% above avgNationally 2.90%
Details

Wealth Center/Telephone; Minimum balance to open account: $1,000; Not available to business customers

Rate History
No change since Oct 20, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 20, 2026: 4.40% APYOct 20, 2026Oct 25, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
Online CD - 24 Month
$1,000
4.40% ▲ 1.42% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.98%▲ 1.42% above avgNationally 2.90%
Details

Only available to existing Premier customers; Minimum balance to open account online: $1,000; Opened online

Rate History
No change since Sep 24, 2026 · 4.40% APY · checked 7 times
3.90%4.40%4.90%Sep 24, 2026: 4.40% APYSep 24, 2026Oct 25, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
Online Certificate of Deposit - 24 months
$1,000
4.40% ▲ 1.42% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.98%▲ 1.42% above avgNationally 2.90%
Details

HSBC Premier relationship required; minimum balance to open and obtain APY is $1000; early withdrawal penalty may apply; not available to business customers

Rate History
No change since Sep 24, 2026 · 4.40% APY · checked 7 times
3.90%4.40%4.90%Sep 24, 2026: 4.40% APYSep 24, 2026Oct 25, 2026
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
Share Certificate - 24 months
$0
4.40% ▲ 1.42% above Virginia avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.98%▲ 1.42% above avgNationally 2.90%
Details

Effective as of October 1, 2026

Rate History
1 change since Sep 18, 2026 · 4.10% → 4.40% ▲ 0.30 pts · high 4.40% / low 4.10%
3.60%4.25%4.90%Sep 18, 2026: 4.10% APYSep 27, 2026: 4.40% APYSep 18, 2026Oct 25, 2026
  • Sep 27, 20264.40%▲ from 4.10%
  • Sep 18, 20264.10%first recorded
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
24 Month CD
$1,000
4.35% ▲ 1.37% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.98%▲ 1.37% above avgNationally 2.90%
Details

APY accurate as of 09/24/2026; APY assumes interest remains on deposit until maturity date; Penalty for early withdrawal may reduce earnings

Rate History
No change since Sep 18, 2026 · 4.35% APY · checked 8 times
3.85%4.35%4.85%Sep 18, 2026: 4.35% APYSep 18, 2026Oct 25, 2026
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Certificate of Deposit - 24 Months
$1,000
4.35% ▲ 1.37% above Virginia avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.98%▲ 1.37% above avgNationally 2.90%
Details

Rate History
No change since Oct 14, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 14, 2026: 4.35% APYOct 14, 2026Oct 25, 2026
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
24 Month Share Certificates
$500
4.35% ▲ 1.37% above Virginia avg
View
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.98%▲ 1.37% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.67% → 4.35% ▲ 0.68 pts · high 4.35% / low 3.67%
2.99%4.01%5.03%Sep 14, 2026: 3.67% APYOct 4, 2026: 4.35% APYSep 14, 2026Oct 25, 2026
  • Oct 4, 20264.35%▲ from 3.67%
  • Sep 14, 20263.67%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Business Share Certificate - 24 Months
$500
4.35% ▲ 1.37% above Virginia avg
View
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.98%▲ 1.37% above avgNationally 2.90%
Details

Minimum balance of $500 required; Dividends compounded daily and credited monthly; Penalties apply for early withdrawal

Rate History
No change since Oct 4, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Oct 4, 2026: 4.35% APYOct 4, 2026Oct 25, 2026
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Share Certificate - 24 Months
$500
4.35% ▲ 1.37% above Virginia avg
View
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.98%▲ 1.37% above avgNationally 2.90%
Details

Minimum balance of $500 required; Penalties apply for early withdrawal

Rate History
No change since Oct 4, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 4, 2026: 4.35% APYOct 4, 2026Oct 25, 2026

Fredericksburg 36 Month CD Rates

Virginia 36 Month CD Average2.94% APYNational 2.81%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3445 Fall Hill Ave, Fredericksburg, VA 22401
3 Year Long-Term Certificate
$0
4.15% ▲ 1.21% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.94%▲ 1.21% above avgNationally 2.81%
Details

Balance tier: $100K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly

Rate History
No change since Oct 20, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 20, 2026: 4.15% APYOct 20, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3445 Fall Hill Ave, Fredericksburg, VA 22401
3 Year Long-Term Certificate
$0
4.10% ▲ 1.16% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.94%▲ 1.16% above avgNationally 2.81%
Details

Balance tier: $1K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly

Rate History
No change since Oct 20, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 20, 2026: 4.10% APYOct 20, 2026Oct 25, 2026
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
2004 Augustine Ave, Fredericksburg, VA 22401
36-Month Certificate
$0
3.80% ▲ 0.86% above Virginia avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.94%▲ 0.86% above avgNationally 2.81%
Details

Balance: $25,000.00 + over

Rate History
1 change since Sep 14, 2026 · 3.70% → 3.80% ▲ 0.10 pts · high 3.80% / low 3.70%
3.20%3.75%4.30%Sep 14, 2026: 3.70% APYOct 9, 2026: 3.80% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20263.80%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
2004 Augustine Ave, Fredericksburg, VA 22401
36-Month Certificate
$0
3.70% ▲ 0.76% above Virginia avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.94%▲ 0.76% above avgNationally 2.81%
Details

Balance: $100.00 - $24,999.99

Rate History
1 change since Sep 14, 2026 · 3.60% → 3.70% ▲ 0.10 pts · high 3.70% / low 3.60%
3.10%3.65%4.20%Sep 14, 2026: 3.60% APYOct 9, 2026: 3.70% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20263.70%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
2004 Augustine Ave, Fredericksburg, VA 22401
36-Month (3 year) Share Certificate
$0
3.65% ▲ 0.71% above Virginia avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.94%▲ 0.71% above avgNationally 2.81%
Details

Balance: $25,000.00 + over

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 25, 2026
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
2150 Gordon W Shelton Blvd, Fredericksburg, VA 22401 4974
36 month certificate
$100,000
3.65% ▲ 0.71% above Virginia avg
View
▼
Rate3.59%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.94%▲ 0.71% above avgNationally 2.81%
Details

Compounding: Monthly

Rate History
No change since Sep 30, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 30, 2026: 3.65% APYSep 30, 2026Oct 25, 2026
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
2150 Gordon W Shelton Blvd, Fredericksburg, VA 22401 4974
36 month IRA
$100,000
3.65% ▲ 0.71% above Virginia avg
View
▼
Rate3.59%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.94%▲ 0.71% above avgNationally 2.81%
Details

Compounding: Monthly

Rate History
No change since Oct 6, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Oct 6, 2026: 3.65% APYOct 6, 2026Oct 25, 2026
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
2004 Augustine Ave, Fredericksburg, VA 22401
3-Year IRA Certificate
$0
3.60% ▲ 0.66% above Virginia avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.94%▲ 0.66% above avgNationally 2.81%
Details

Balance: $25,000.00 + over

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 9 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 25, 2026
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
2004 Augustine Ave, Fredericksburg, VA 22401
36-Month (3 year) Share Certificate
$0
3.55% ▲ 0.61% above Virginia avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.94%▲ 0.61% above avgNationally 2.81%
Details

Balance: $100.00 - $24,999.99

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 25, 2026
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
2150 Gordon W Shelton Blvd, Fredericksburg, VA 22401 4974
36 month certificate
$50,000
3.55% ▲ 0.61% above Virginia avg
View
▼
Rate3.49%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.94%▲ 0.61% above avgNationally 2.81%
Details

Compounding: Monthly

Rate History
No change since Sep 30, 2026 · 3.55% APY · checked 5 times
3.05%3.55%4.05%Sep 30, 2026: 3.55% APYSep 30, 2026Oct 25, 2026
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
2150 Gordon W Shelton Blvd, Fredericksburg, VA 22401 4974
36 month IRA
$50,000
3.55% ▲ 0.61% above Virginia avg
View
▼
Rate3.49%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.94%▲ 0.61% above avgNationally 2.81%
Details

Compounding: Monthly

Rate History
No change since Oct 6, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Oct 6, 2026: 3.55% APYOct 6, 2026Oct 25, 2026
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
2004 Augustine Ave, Fredericksburg, VA 22401
3-Year IRA Certificate
$0
3.50% ▲ 0.56% above Virginia avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.94%▲ 0.56% above avgNationally 2.81%
Details

Balance: $100.00 - $24,999.99

Rate History
No change since Sep 21, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 21, 2026: 3.50% APYSep 21, 2026Oct 25, 2026
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
2150 Gordon W Shelton Blvd, Fredericksburg, VA 22401 4974
36 month certificate
$5,000
3.46% ▲ 0.52% above Virginia avg
View
▼
Rate3.41%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.94%▲ 0.52% above avgNationally 2.81%
Details

Compounding: Monthly

Rate History
No change since Sep 30, 2026 · 3.46% APY · checked 5 times
2.96%3.46%3.96%Sep 30, 2026: 3.46% APYSep 30, 2026Oct 25, 2026
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
2150 Gordon W Shelton Blvd, Fredericksburg, VA 22401 4974
36 month IRA
$5,000
3.46% ▲ 0.52% above Virginia avg
View
▼
Rate3.41%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.94%▲ 0.52% above avgNationally 2.81%
Details

Compounding: Monthly

Rate History
No change since Oct 6, 2026 · 3.46% APY · checked 4 times
2.96%3.46%3.96%Oct 6, 2026: 3.46% APYOct 6, 2026Oct 25, 2026
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
2150 Gordon W Shelton Blvd, Fredericksburg, VA 22401 4974
36 month certificate
$500
3.45% ▲ 0.51% above Virginia avg
View
▼
Rate3.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.94%▲ 0.51% above avgNationally 2.81%
Details

Compounding: Quarterly

Rate History
No change since Sep 30, 2026 · 3.45% APY · checked 5 times
2.95%3.45%3.95%Sep 30, 2026: 3.45% APYSep 30, 2026Oct 25, 2026
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
2150 Gordon W Shelton Blvd, Fredericksburg, VA 22401 4974
36 month IRA
$100
3.45% ▲ 0.51% above Virginia avg
View
▼
Rate3.41%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.94%▲ 0.51% above avgNationally 2.81%
Details

Compounding: Quarterly

Rate History
No change since Oct 6, 2026 · 3.45% APY · checked 4 times
2.95%3.45%3.95%Oct 6, 2026: 3.45% APYOct 6, 2026Oct 25, 2026
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
2004 Augustine Ave, Fredericksburg, VA 22401
3 Year Rate Boost Certificate
$0
3.40% ▲ 0.46% above Virginia avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.94%▲ 0.46% above avgNationally 2.81%
Details

Balance: $25,000.00 + over

Rate History
No change since Sep 21, 2026 · 3.40% APY · checked 8 times
2.90%3.40%3.90%Sep 21, 2026: 3.40% APYSep 21, 2026Oct 25, 2026
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
2004 Augustine Ave, Fredericksburg, VA 22401
3 Year Rate Boost Certificate
$0
3.30% ▲ 0.36% above Virginia avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.94%▲ 0.36% above avgNationally 2.81%
Details

Balance: $100.00 - $24,999.99

Rate History
No change since Sep 21, 2026 · 3.30% APY · checked 8 times
2.80%3.30%3.80%Sep 21, 2026: 3.30% APYSep 21, 2026Oct 25, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1 Geico Blvd, Fredericksburg, VA 22412
36 Month Standard CDs - Rewards
$0
2.75% ▼ 0.19% below Virginia avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.94%▼ 0.19% below avgNationally 2.81%
Details

Rewards APY

Rate History
No change since Oct 14, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 14, 2026: 2.75% APYOct 14, 2026Oct 25, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1 Geico Blvd, Fredericksburg, VA 22412
36 Month Standard IRA CDs - Rewards
$0
2.75% ▼ 0.19% below Virginia avg
View
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.94%▼ 0.19% below avgNationally 2.81%
Details

Rewards APY column; Dividend Rate 2.72%

Rate History
No change since Oct 19, 2026 · 2.75% APY
2.25%2.75%3.25%Oct 19, 2026: 2.75% APYOct 19, 2026Oct 25, 2026
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
1151 Carl D Silver Pkwy, Fredericksburg, VA 22401 4914
3 Year - Certificate or IRA Certificate
$1,000
2.52% ▼ 0.42% below Virginia avg
View
▼
Rate2.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.94%▼ 0.42% below avgNationally 2.81%
Details

Minimum to Open: $1,000.00; Minimum to Earn APY: $1,000.00

Rate History
No change since Sep 25, 2026 · 2.52% APY · checked 6 times
2.02%2.52%3.02%Sep 25, 2026: 2.52% APYSep 25, 2026Oct 25, 2026
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
1151 Carl D Silver Pkwy, Fredericksburg, VA 22401 4914
Youth Share Certificates - 3 Year Certificate
$100
2.52% ▼ 0.42% below Virginia avg
View
▼
Rate2.50%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.94%▼ 0.42% below avgNationally 2.81%
Details

Rate History
No change since Sep 25, 2026 · 2.52% APY · checked 6 times
2.02%2.52%3.02%Sep 25, 2026: 2.52% APYSep 25, 2026Oct 25, 2026
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
4805 Lassen Ln, Fredericksburg, VA 22408
3 Year Standard CD
$1,000
2.50% ▼ 0.44% below Virginia avg
View
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.94%▼ 0.44% below avgNationally 2.81%
Details

Standard CD/IRA term; minimum opening deposit CD $1,000, IRA $500

Rate History
No change since Oct 20, 2026 · 2.50% APY
2.00%2.50%3.00%Oct 20, 2026: 2.50% APYOct 20, 2026Oct 25, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1 Geico Blvd, Fredericksburg, VA 22412
36 Month Standard CDs - Regular
$0
2.49% ▼ 0.45% below Virginia avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.94%▼ 0.45% below avgNationally 2.81%
Details

Regular APY

Rate History
No change since Oct 14, 2026 · 2.49% APY · checked 2 times
1.99%2.49%2.99%Oct 14, 2026: 2.49% APYOct 14, 2026Oct 25, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1 Geico Blvd, Fredericksburg, VA 22412
36 Month Standard IRA CDs - Regular
$0
2.49% ▼ 0.45% below Virginia avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.94%▼ 0.45% below avgNationally 2.81%
Details

Regular APY column; Dividend Rate 2.47%

Rate History
No change since Oct 19, 2026 · 2.49% APY
1.99%2.49%2.99%Oct 19, 2026: 2.49% APYOct 19, 2026Oct 25, 2026
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
501 C Emancipation Highway, Fredericksburg, VA 22401
3 Year Standard Rate CDs
$500
1.85% ▼ 1.09% below Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average2.94%▼ 1.09% below avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 1.85% APY · checked 7 times
1.35%1.85%2.35%Sep 18, 2026: 1.85% APYSep 18, 2026Oct 25, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
1800 Carl D Silver Pkwy, Fredericksburg, VA 22401
3 Year Certificate of Deposit
$500
1.40% ▼ 1.54% below Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.94%▼ 1.54% below avgNationally 2.81%
Details

APY calculated on monthly compounding assuming interest remains on deposit until maturity

Rate History
No change since Sep 14, 2026 · 1.40% APY · checked 9 times
0.90%1.40%1.90%Sep 14, 2026: 1.40% APYSep 14, 2026Oct 25, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
1800 Carl D Silver Pkwy, Fredericksburg, VA 22401
3 Year IRA Certificate of Deposit
$500
1.40% ▼ 1.54% below Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.94%▼ 1.54% below avgNationally 2.81%
Details

Early withdrawal penalties may apply

Rate History
No change since Sep 27, 2026 · 1.40% APY · checked 2 times
0.90%1.40%1.90%Sep 27, 2026: 1.40% APYSep 27, 2026Oct 25, 2026
Blue Ridge Bank National Association
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
10645 Courthouse Rd, Fredericksburg, VA 22407
36 Month Golden Advantage Certificate of Deposit & Specials
$0
1.40% ▼ 1.54% below Virginia avg
View
▼
Rate1.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average2.94%▼ 1.54% below avgNationally 2.81%
Details

Rate History
No change since Oct 20, 2026 · 1.40% APY · checked 2 times
0.90%1.40%1.90%Oct 20, 2026: 1.40% APYOct 20, 2026Oct 25, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1575 Emancipation Hwy, Fredericksburg, VA 22401
3-Year Jumbo CD
$100,000
0.40% ▼ 2.54% below Virginia avg
View
▼
Rate0.40%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.94%▼ 2.54% below avgNationally 2.81%
Details

Rate History
No change since Sep 24, 2026 · 0.40% APY · checked 2 times
0.00%0.45%0.90%Sep 24, 2026: 0.40% APYSep 24, 2026Oct 25, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1575 Emancipation Hwy, Fredericksburg, VA 22401
3-Year Term CD
$1,000
0.40% ▼ 2.54% below Virginia avg
View
▼
Rate0.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.94%▼ 2.54% below avgNationally 2.81%
Details

Rate History
No change since Oct 19, 2026 · 0.40% APY
0.00%0.45%0.90%Oct 19, 2026: 0.40% APYOct 19, 2026Oct 25, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1575 Emancipation Hwy, Fredericksburg, VA 22401
Term CD - 3-Year
$1,000
0.40% ▼ 2.54% below Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.94%▼ 2.54% below avgNationally 2.81%
Details

Minimum of $1,000 to open your account

Rate History
No change since Oct 19, 2026 · 0.40% APY
0.00%0.45%0.90%Oct 19, 2026: 0.40% APYOct 19, 2026Oct 25, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1575 Emancipation Hwy, Fredericksburg, VA 22401
3-Year RampUp CD
$25,000
0.25% ▼ 2.69% below Virginia avg
View
▼
Rate0.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.94%▼ 2.69% below avgNationally 2.81%
Details

Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 2 times
0.00%0.38%0.75%Sep 24, 2026: 0.25% APYSep 24, 2026Oct 25, 2026
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1575 Emancipation Hwy, Fredericksburg, VA 22401
3 Year Certificate of Deposit
$500
0.05% ▼ 2.89% below Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average2.94%▼ 2.89% below avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 7 times
0.00%0.28%0.55%Sep 18, 2026: 0.05% APYSep 18, 2026Oct 25, 2026
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
400 George St, Fredericksburg, VA 22401
36 Month Personal Certificate of Deposit
$1,000
0.05% ▼ 2.89% below Virginia avg
View
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.94%▼ 2.89% below avgNationally 2.81%
Details

Standard rate for all terms 7 days - 60 months, all balances; Rates as of 5/12/2026

Rate History
No change since Oct 23, 2026 · 0.05% APY
0.00%0.28%0.55%Oct 23, 2026: 0.05% APYOct 23, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4319 Plank Rd, Fredericksburg, VA 22407
Certificate of Deposit - 36 Months
$1,000
0.03% ▼ 2.91% below Virginia avg
View
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.94%▼ 2.91% below avgNationally 2.81%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4319 Plank Rd, Fredericksburg, VA 22407
IRA CD 36 Months
$250
0.03% ▼ 2.91% below Virginia avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.94%▼ 2.91% below avgNationally 2.81%
Details

Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 14, 2026: 0.03% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4319 Plank Rd, Fredericksburg, VA 22407
Certificate of Deposit - 36 Months
$1,000
0.02% ▼ 2.92% below Virginia avg
View
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.94%▼ 2.92% below avgNationally 2.81%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4319 Plank Rd, Fredericksburg, VA 22407
IRA CD 36 Months
$250
0.02% ▼ 2.92% below Virginia avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.94%▼ 2.92% below avgNationally 2.81%
Details

Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 14, 2026: 0.02% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4319 Plank Rd, Fredericksburg, VA 22407
Certificate of Deposit - 36 Months
$1,000
0.01% ▼ 2.93% below Virginia avg
View
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.94%▼ 2.93% below avgNationally 2.81%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4319 Plank Rd, Fredericksburg, VA 22407
IRA CD 36 Months
$250
0.01% ▼ 2.93% below Virginia avg
View
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.94%▼ 2.93% below avgNationally 2.81%
Details

Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 14, 2026: 0.01% APYOct 14, 2026Oct 25, 2026
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
36 Month Share Certificate
$500
4.59% ▲ 1.65% above Virginia avg
View
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.94%▲ 1.65% above avgNationally 2.81%
Details

Balance: $1M+; Minimum $500 deposit required for certificate accounts

Rate History
No change since Oct 14, 2026 · 4.59% APY · checked 2 times
4.09%4.59%5.09%Oct 14, 2026: 4.59% APYOct 14, 2026Oct 25, 2026
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
IRA Certificate - 36 Months
$500
4.59% ▲ 1.65% above Virginia avg
View
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.94%▲ 1.65% above avgNationally 2.81%
Details

Minimum $500 deposit required for IRA certificate accounts.

Rate History
No change since Sep 22, 2026 · 4.59% APY · checked 4 times
4.09%4.59%5.09%Sep 22, 2026: 4.59% APYSep 22, 2026Oct 25, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
36 Month Elite Jumbo CD
$250,000
4.50% ▲ 1.56% above Virginia avg
View
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.94%▲ 1.56% above avgNationally 2.81%
Details

Rate History
1 change since Sep 21, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15%
3.65%4.33%5.00%Sep 21, 2026: 4.15% APYOct 5, 2026: 4.50% APYSep 21, 2026Oct 25, 2026
  • Oct 5, 20264.50%▲ from 4.15%
  • Sep 21, 20264.15%first recorded
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
Share Certificate - 36 months
$0
4.45% ▲ 1.51% above Virginia avg
View
▼
Rate4.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.94%▲ 1.51% above avgNationally 2.81%
Details

Effective as of October 1, 2026

Rate History
1 change since Sep 18, 2026 · 4.15% → 4.45% ▲ 0.30 pts · high 4.45% / low 4.15%
3.65%4.30%4.95%Sep 18, 2026: 4.15% APYSep 27, 2026: 4.45% APYSep 18, 2026Oct 25, 2026
  • Sep 27, 20264.45%▲ from 4.15%
  • Sep 18, 20264.15%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
36 Month Share Certificate
$0
4.40% ▲ 1.46% above Virginia avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.94%▲ 1.46% above avgNationally 2.81%
Details

Rate History
No change since Oct 23, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 23, 2026: 4.40% APYOct 23, 2026Oct 25, 2026
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
36 Month Share Certificates
$500
4.35% ▲ 1.41% above Virginia avg
View
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.94%▲ 1.41% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.82% → 4.35% ▲ 0.53 pts · high 4.35% / low 3.82%
3.29%4.08%4.88%Sep 14, 2026: 3.82% APYOct 4, 2026: 4.35% APYSep 14, 2026Oct 25, 2026
  • Oct 4, 20264.35%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Business Share Certificate - 36 Months
$500
4.35% ▲ 1.41% above Virginia avg
View
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.94%▲ 1.41% above avgNationally 2.81%
Details

Minimum balance of $500 required; Dividends compounded daily and credited monthly; Penalties apply for early withdrawal

Rate History
No change since Oct 4, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Oct 4, 2026: 4.35% APYOct 4, 2026Oct 25, 2026
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Share Certificate - 36 Months
$500
4.35% ▲ 1.41% above Virginia avg
View
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.94%▲ 1.41% above avgNationally 2.81%
Details

Minimum balance of $500 required; Penalties apply for early withdrawal

Rate History
No change since Oct 4, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 4, 2026: 4.35% APYOct 4, 2026Oct 25, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
36 Month Jumbo CD
$50,000
4.35% ▲ 1.41% above Virginia avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.94%▲ 1.41% above avgNationally 2.81%
Details

Rate History
1 change since Sep 21, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
3.50%4.18%4.85%Sep 21, 2026: 4.00% APYOct 5, 2026: 4.35% APYSep 21, 2026Oct 25, 2026
  • Oct 5, 20264.35%▲ from 4.00%
  • Sep 21, 20264.00%first recorded

Fredericksburg 48 Month CD Rates

Virginia 48 Month CD Average2.86% APYNational 2.81%▼ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
2004 Augustine Ave, Fredericksburg, VA 22401
48-Month Certificate
$0
3.85% ▲ 0.99% above Virginia avg
View
▼
Rate3.79%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.86%▲ 0.99% above avgNationally 2.81%
Details

Balance: $25,000.00 + over

Rate History
1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
3.25%3.80%4.35%Sep 14, 2026: 3.75% APYOct 9, 2026: 3.85% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20263.85%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
2004 Augustine Ave, Fredericksburg, VA 22401
Business Certificate - 48-Month Certificate
$0
3.85% ▲ 0.99% above Virginia avg
View
▼
Rate3.79%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.86%▲ 0.99% above avgNationally 2.81%
Details

Balance: $25,000.00 and over

Rate History
1 change since Oct 9, 2026 · 3.70% → 3.85% ▲ 0.15 pts · high 3.85% / low 3.70%
3.20%3.78%4.35%Oct 9, 2026: 3.70% APYOct 23, 2026: 3.85% APYOct 9, 2026Oct 25, 2026
  • Oct 23, 20263.85%▲ from 3.70%
  • Oct 9, 20263.70%first recorded
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
2004 Augustine Ave, Fredericksburg, VA 22401
48-Month Certificate
$0
3.75% ▲ 0.89% above Virginia avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.86%▲ 0.89% above avgNationally 2.81%
Details

Balance: $100.00 - $24,999.99

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.75% ▲ 0.10 pts · high 3.75% / low 3.65%
3.15%3.70%4.25%Sep 14, 2026: 3.65% APYOct 9, 2026: 3.75% APYSep 14, 2026Oct 25, 2026
  • Oct 9, 20263.75%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
2004 Augustine Ave, Fredericksburg, VA 22401
Business Certificate - 48-Month Certificate
$0
3.75% ▲ 0.89% above Virginia avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.86%▲ 0.89% above avgNationally 2.81%
Details

Balance: $100.00 - $24,999.99

Rate History
1 change since Oct 9, 2026 · 3.60% → 3.75% ▲ 0.15 pts · high 3.75% / low 3.60%
3.10%3.68%4.25%Oct 9, 2026: 3.60% APYOct 23, 2026: 3.75% APYOct 9, 2026Oct 25, 2026
  • Oct 23, 20263.75%▲ from 3.60%
  • Oct 9, 20263.60%first recorded
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
2004 Augustine Ave, Fredericksburg, VA 22401
48-Month (4 year) Share Certificate
$0
3.70% ▲ 0.84% above Virginia avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.86%▲ 0.84% above avgNationally 2.81%
Details

Balance: $25,000.00 and over

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 25, 2026
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
2150 Gordon W Shelton Blvd, Fredericksburg, VA 22401 4974
48 month certificate
$100,000
3.65% ▲ 0.79% above Virginia avg
View
▼
Rate3.59%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.86%▲ 0.79% above avgNationally 2.81%
Details

Compounding: Monthly

Rate History
No change since Sep 30, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 30, 2026: 3.65% APYSep 30, 2026Oct 25, 2026
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
2150 Gordon W Shelton Blvd, Fredericksburg, VA 22401 4974
48 month IRA
$100,000
3.65% ▲ 0.79% above Virginia avg
View
▼
Rate3.59%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.86%▲ 0.79% above avgNationally 2.81%
Details

Compounding: Monthly

Rate History
No change since Oct 6, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Oct 6, 2026: 3.65% APYOct 6, 2026Oct 25, 2026
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
2004 Augustine Ave, Fredericksburg, VA 22401
48-Month (4 year) Share Certificate
$0
3.60% ▲ 0.74% above Virginia avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.86%▲ 0.74% above avgNationally 2.81%
Details

Balance: $100.00 - $24,999.99

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 25, 2026
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
2150 Gordon W Shelton Blvd, Fredericksburg, VA 22401 4974
48 month certificate
$50,000
3.55% ▲ 0.69% above Virginia avg
View
▼
Rate3.49%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.86%▲ 0.69% above avgNationally 2.81%
Details

Compounding: Monthly

Rate History
No change since Sep 30, 2026 · 3.55% APY · checked 5 times
3.05%3.55%4.05%Sep 30, 2026: 3.55% APYSep 30, 2026Oct 25, 2026
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
2150 Gordon W Shelton Blvd, Fredericksburg, VA 22401 4974
48 month IRA
$50,000
3.55% ▲ 0.69% above Virginia avg
View
▼
Rate3.49%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.86%▲ 0.69% above avgNationally 2.81%
Details

Compounding: Monthly

Rate History
No change since Oct 6, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Oct 6, 2026: 3.55% APYOct 6, 2026Oct 25, 2026
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
2150 Gordon W Shelton Blvd, Fredericksburg, VA 22401 4974
48 month certificate
$5,000
3.46% ▲ 0.60% above Virginia avg
View
▼
Rate3.41%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.86%▲ 0.60% above avgNationally 2.81%
Details

Compounding: Monthly

Rate History
No change since Sep 30, 2026 · 3.46% APY · checked 5 times
2.96%3.46%3.96%Sep 30, 2026: 3.46% APYSep 30, 2026Oct 25, 2026
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
2150 Gordon W Shelton Blvd, Fredericksburg, VA 22401 4974
48 month IRA
$5,000
3.46% ▲ 0.60% above Virginia avg
View
▼
Rate3.41%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.86%▲ 0.60% above avgNationally 2.81%
Details

Compounding: Monthly

Rate History
No change since Oct 6, 2026 · 3.46% APY · checked 4 times
2.96%3.46%3.96%Oct 6, 2026: 3.46% APYOct 6, 2026Oct 25, 2026
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
2150 Gordon W Shelton Blvd, Fredericksburg, VA 22401 4974
48 month certificate
$500
3.45% ▲ 0.59% above Virginia avg
View
▼
Rate3.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.86%▲ 0.59% above avgNationally 2.81%
Details

Compounding: Quarterly

Rate History
No change since Sep 30, 2026 · 3.45% APY · checked 5 times
2.95%3.45%3.95%Sep 30, 2026: 3.45% APYSep 30, 2026Oct 25, 2026
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
2150 Gordon W Shelton Blvd, Fredericksburg, VA 22401 4974
48 month IRA
$100
3.45% ▲ 0.59% above Virginia avg
View
▼
Rate3.41%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.86%▲ 0.59% above avgNationally 2.81%
Details

Compounding: Quarterly

Rate History
No change since Oct 6, 2026 · 3.45% APY · checked 4 times
2.95%3.45%3.95%Oct 6, 2026: 3.45% APYOct 6, 2026Oct 25, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1 Geico Blvd, Fredericksburg, VA 22412
48 Month Standard CDs - Rewards
$0
2.90% ▲ 0.04% above Virginia avg
View
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.86%▲ 0.04% above avgNationally 2.81%
Details

Rewards APY

Rate History
No change since Oct 14, 2026 · 2.90% APY · checked 2 times
2.40%2.90%3.40%Oct 14, 2026: 2.90% APYOct 14, 2026Oct 25, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1 Geico Blvd, Fredericksburg, VA 22412
48 Month Standard IRA CDs - Rewards
$0
2.90% ▲ 0.04% above Virginia avg
View
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.86%▲ 0.04% above avgNationally 2.81%
Details

Rewards APY column; Dividend Rate 2.86%

Rate History
No change since Oct 19, 2026 · 2.90% APY
2.40%2.90%3.40%Oct 19, 2026: 2.90% APYOct 19, 2026Oct 25, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1 Geico Blvd, Fredericksburg, VA 22412
48 Month Standard CDs - Regular
$0
2.64% ▼ 0.22% below Virginia avg
View
▼
Rate2.61%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.86%▼ 0.22% below avgNationally 2.81%
Details

Regular APY

Rate History
No change since Oct 14, 2026 · 2.64% APY · checked 2 times
2.14%2.64%3.14%Oct 14, 2026: 2.64% APYOct 14, 2026Oct 25, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1 Geico Blvd, Fredericksburg, VA 22412
48 Month Standard IRA CDs - Regular
$0
2.64% ▼ 0.22% below Virginia avg
View
▼
Rate2.61%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.86%▼ 0.22% below avgNationally 2.81%
Details

Regular APY column; Dividend Rate 2.61%

Rate History
No change since Oct 19, 2026 · 2.64% APY
2.14%2.64%3.14%Oct 19, 2026: 2.64% APYOct 19, 2026Oct 25, 2026
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
4805 Lassen Ln, Fredericksburg, VA 22408
4 Year Standard CD
$1,000
2.50% ▼ 0.36% below Virginia avg
View
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.86%▼ 0.36% below avgNationally 2.81%
Details

Standard CD/IRA term; minimum opening deposit CD $1,000, IRA $500

Rate History
No change since Oct 20, 2026 · 2.50% APY
2.00%2.50%3.00%Oct 20, 2026: 2.50% APYOct 20, 2026Oct 25, 2026
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
1151 Carl D Silver Pkwy, Fredericksburg, VA 22401 4914
4 Year - Certificate or IRA Certificate
$1,000
2.42% ▼ 0.44% below Virginia avg
View
▼
Rate2.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.86%▼ 0.44% below avgNationally 2.81%
Details

Minimum to Open: $1,000.00; Minimum to Earn APY: $1,000.00

Rate History
No change since Sep 25, 2026 · 2.42% APY · checked 6 times
1.92%2.42%2.92%Sep 25, 2026: 2.42% APYSep 25, 2026Oct 25, 2026
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
1151 Carl D Silver Pkwy, Fredericksburg, VA 22401 4914
Youth Share Certificates - 4 Year Certificate
$100
2.42% ▼ 0.44% below Virginia avg
View
▼
Rate2.40%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.86%▼ 0.44% below avgNationally 2.81%
Details

Rate History
No change since Sep 25, 2026 · 2.42% APY · checked 6 times
1.92%2.42%2.92%Sep 25, 2026: 2.42% APYSep 25, 2026Oct 25, 2026
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
501 C Emancipation Highway, Fredericksburg, VA 22401
4 Year Standard Rate CDs
$500
1.90% ▼ 0.96% below Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average2.86%▼ 0.96% below avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 1.90% APY · checked 7 times
1.40%1.90%2.40%Sep 18, 2026: 1.90% APYSep 18, 2026Oct 25, 2026
Blue Ridge Bank National Association
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
10645 Courthouse Rd, Fredericksburg, VA 22407
48 Month Golden Advantage Certificate of Deposit & Specials
$0
1.45% ▼ 1.41% below Virginia avg
View
▼
Rate1.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average2.86%▼ 1.41% below avgNationally 2.81%
Details

Rate History
No change since Oct 20, 2026 · 1.45% APY · checked 2 times
0.95%1.45%1.95%Oct 20, 2026: 1.45% APYOct 20, 2026Oct 25, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
1800 Carl D Silver Pkwy, Fredericksburg, VA 22401
4 Year Certificate of Deposit
$500
1.15% ▼ 1.71% below Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.86%▼ 1.71% below avgNationally 2.81%
Details

APY calculated on monthly compounding assuming interest remains on deposit until maturity

Rate History
No change since Sep 14, 2026 · 1.15% APY · checked 9 times
0.65%1.15%1.65%Sep 14, 2026: 1.15% APYSep 14, 2026Oct 25, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
1800 Carl D Silver Pkwy, Fredericksburg, VA 22401
4 Year IRA Certificate of Deposit
$500
1.15% ▼ 1.71% below Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.86%▼ 1.71% below avgNationally 2.81%
Details

Early withdrawal penalties may apply

Rate History
No change since Sep 27, 2026 · 1.15% APY · checked 2 times
0.65%1.15%1.65%Sep 27, 2026: 1.15% APYSep 27, 2026Oct 25, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1575 Emancipation Hwy, Fredericksburg, VA 22401
4-Year Jumbo CD
$100,000
0.50% ▼ 2.36% below Virginia avg
View
▼
Rate0.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.86%▼ 2.36% below avgNationally 2.81%
Details

Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 2 times
0.00%0.50%1.00%Sep 24, 2026: 0.50% APYSep 24, 2026Oct 25, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1575 Emancipation Hwy, Fredericksburg, VA 22401
4-Year Term CD
$1,000
0.50% ▼ 2.36% below Virginia avg
View
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.86%▼ 2.36% below avgNationally 2.81%
Details

Rate History
No change since Oct 19, 2026 · 0.50% APY
0.00%0.50%1.00%Oct 19, 2026: 0.50% APYOct 19, 2026Oct 25, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1575 Emancipation Hwy, Fredericksburg, VA 22401
Term CD - 4-Year
$1,000
0.50% ▼ 2.36% below Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.86%▼ 2.36% below avgNationally 2.81%
Details

Minimum of $1,000 to open your account

Rate History
No change since Oct 19, 2026 · 0.50% APY
0.00%0.50%1.00%Oct 19, 2026: 0.50% APYOct 19, 2026Oct 25, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1575 Emancipation Hwy, Fredericksburg, VA 22401
4-Year RampUp CD
$50,000
0.25% ▼ 2.61% below Virginia avg
View
▼
Rate0.25%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.86%▼ 2.61% below avgNationally 2.81%
Details

Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 2 times
0.00%0.38%0.75%Sep 24, 2026: 0.25% APYSep 24, 2026Oct 25, 2026
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1575 Emancipation Hwy, Fredericksburg, VA 22401
4 Year Certificate of Deposit
$500
0.15% ▼ 2.71% below Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average2.86%▼ 2.71% below avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 7 times
0.00%0.33%0.65%Sep 18, 2026: 0.15% APYSep 18, 2026Oct 25, 2026
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
400 George St, Fredericksburg, VA 22401
48 Month Personal Certificate of Deposit
$1,000
0.05% ▼ 2.81% below Virginia avg
View
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.86%▼ 2.81% below avgNationally 2.81%
Details

Standard rate for all terms 7 days - 60 months, all balances; Rates as of 5/12/2026

Rate History
No change since Oct 23, 2026 · 0.05% APY
0.00%0.28%0.55%Oct 23, 2026: 0.05% APYOct 23, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4319 Plank Rd, Fredericksburg, VA 22407
Certificate of Deposit - 48 Months
$1,000
0.03% ▼ 2.83% below Virginia avg
View
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.86%▼ 2.83% below avgNationally 2.81%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4319 Plank Rd, Fredericksburg, VA 22407
IRA CD 48 Months
$250
0.03% ▼ 2.83% below Virginia avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.86%▼ 2.83% below avgNationally 2.81%
Details

Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 14, 2026: 0.03% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4319 Plank Rd, Fredericksburg, VA 22407
Certificate of Deposit - 48 Months
$1,000
0.02% ▼ 2.84% below Virginia avg
View
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.86%▼ 2.84% below avgNationally 2.81%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4319 Plank Rd, Fredericksburg, VA 22407
IRA CD 48 Months
$250
0.02% ▼ 2.84% below Virginia avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.86%▼ 2.84% below avgNationally 2.81%
Details

Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 14, 2026: 0.02% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4319 Plank Rd, Fredericksburg, VA 22407
Certificate of Deposit - 48 Months
$1,000
0.01% ▼ 2.85% below Virginia avg
View
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.86%▼ 2.85% below avgNationally 2.81%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4319 Plank Rd, Fredericksburg, VA 22407
IRA CD 48 Months
$250
0.01% ▼ 2.85% below Virginia avg
View
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.86%▼ 2.85% below avgNationally 2.81%
Details

Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 14, 2026: 0.01% APYOct 14, 2026Oct 25, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
48 Month Elite Jumbo CD
$250,000
4.75% ▲ 1.89% above Virginia avg
View
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.86%▲ 1.89% above avgNationally 2.81%
Details

Rate History
1 change since Sep 21, 2026 · 4.25% → 4.75% ▲ 0.50 pts · high 4.75% / low 4.25%
3.75%4.50%5.25%Sep 21, 2026: 4.25% APYOct 5, 2026: 4.75% APYSep 21, 2026Oct 25, 2026
  • Oct 5, 20264.75%▲ from 4.25%
  • Sep 21, 20264.25%first recorded
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
Share Certificate - 48 months
$0
4.50% ▲ 1.64% above Virginia avg
View
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.86%▲ 1.64% above avgNationally 2.81%
Details

Effective as of October 1, 2026

Rate History
1 change since Sep 18, 2026 · 4.20% → 4.50% ▲ 0.30 pts · high 4.50% / low 4.20%
3.70%4.35%5.00%Sep 18, 2026: 4.20% APYSep 27, 2026: 4.50% APYSep 18, 2026Oct 25, 2026
  • Sep 27, 20264.50%▲ from 4.20%
  • Sep 18, 20264.20%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
48 Month Share Certificate
$0
4.40% ▲ 1.54% above Virginia avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.86%▲ 1.54% above avgNationally 2.81%
Details

Rate History
No change since Oct 23, 2026 · 4.40% APY
3.90%4.40%4.90%Oct 23, 2026: 4.40% APYOct 23, 2026Oct 25, 2026
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
48 Month Share Certificates
$500
4.35% ▲ 1.49% above Virginia avg
View
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.86%▲ 1.49% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.82% → 4.35% ▲ 0.53 pts · high 4.35% / low 3.82%
3.29%4.08%4.88%Sep 14, 2026: 3.82% APYOct 4, 2026: 4.35% APYSep 14, 2026Oct 25, 2026
  • Oct 4, 20264.35%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Business Share Certificate - 48 Months
$500
4.35% ▲ 1.49% above Virginia avg
View
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.86%▲ 1.49% above avgNationally 2.81%
Details

Minimum balance of $500 required; Dividends compounded daily and credited monthly; Penalties apply for early withdrawal

Rate History
No change since Oct 4, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Oct 4, 2026: 4.35% APYOct 4, 2026Oct 25, 2026
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Share Certificate - 48 Months
$500
4.35% ▲ 1.49% above Virginia avg
View
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.86%▲ 1.49% above avgNationally 2.81%
Details

Minimum balance of $500 required; Penalties apply for early withdrawal

Rate History
No change since Oct 4, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 4, 2026: 4.35% APYOct 4, 2026Oct 25, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
48 Month Share Certificate
$500
4.30% ▲ 1.44% above Virginia avg
View
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.86%▲ 1.44% above avgNationally 2.81%
Details

Rate Effective Date: October 23, 2026

Rate History
1 change since Oct 5, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
3.30%4.05%4.80%Oct 5, 2026: 3.80% APYOct 13, 2026: 4.30% APYOct 5, 2026Oct 25, 2026
  • Oct 13, 20264.30%▲ from 3.80%
  • Oct 5, 20263.80%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
Share Certificate - 48 Month
$1,000
4.25% ▲ 1.39% above Virginia avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.86%▲ 1.39% above avgNationally 2.81%
Details

Minimum to open $1,000.00; Rates effective 10-22-2026

Rate History
No change since Oct 12, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 12, 2026: 4.25% APYOct 12, 2026Oct 25, 2026
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
Regular Certificate 4 Year
$500
4.25% ▲ 1.39% above Virginia avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.86%▲ 1.39% above avgNationally 2.81%
Details

Rates effective 6/1/2026; $500 minimum opening balance; dividends compounded and credited quarterly

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
48 Month Regular CD
$500
4.20% ▲ 1.34% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.86%▲ 1.34% above avgNationally 2.81%
Details

Rate History
1 change since Sep 21, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
3.50%4.10%4.70%Sep 21, 2026: 4.00% APYOct 5, 2026: 4.20% APYSep 21, 2026Oct 25, 2026
  • Oct 5, 20264.20%▲ from 4.00%
  • Sep 21, 20264.00%first recorded
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
IRA Term Certificate - 48 Months
$0
4.18% ▲ 1.32% above Virginia avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average2.86%▲ 1.32% above avgNationally 2.81%
Details

Effective Date: October 1, 2026; All term share accounts are fixed rate accounts

Rate History
No change since Oct 22, 2026 · 4.18% APY
3.68%4.18%4.68%Oct 22, 2026: 4.18% APYOct 22, 2026Oct 25, 2026
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
Term Certificate - 48 Months
$0
4.18% ▲ 1.32% above Virginia avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average2.86%▲ 1.32% above avgNationally 2.81%
Details

Effective Date: October 1, 2026

Rate History
1 change since Sep 15, 2026 · 3.82% → 4.18% ▲ 0.36 pts · high 4.18% / low 3.82%
3.32%4.00%4.68%Sep 15, 2026: 3.82% APYOct 22, 2026: 4.18% APYSep 15, 2026Oct 25, 2026
  • Oct 22, 20264.18%▲ from 3.82%
  • Sep 15, 20263.82%first recorded
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
48 Month Share Certificate
$500
4.13% ▲ 1.27% above Virginia avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.86%▲ 1.27% above avgNationally 2.81%
Details

Balance: $1M+; Minimum $500 deposit required for certificate accounts

Rate History
No change since Oct 14, 2026 · 4.13% APY · checked 2 times
3.63%4.13%4.63%Oct 14, 2026: 4.13% APYOct 14, 2026Oct 25, 2026

Fredericksburg 60 Month CD Rates

Virginia 60 Month CD Average3.03% APYNational 2.92%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
2150 Gordon W Shelton Blvd, Fredericksburg, VA 22401 4974
60 month certificate
$100,000
3.95% ▲ 0.92% above Virginia avg
View
▼
Rate3.88%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.03%▲ 0.92% above avgNationally 2.92%
Details

Compounding: Monthly

Rate History
No change since Sep 30, 2026 · 3.95% APY · checked 5 times
3.45%3.95%4.45%Sep 30, 2026: 3.95% APYSep 30, 2026Oct 25, 2026
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
2150 Gordon W Shelton Blvd, Fredericksburg, VA 22401 4974
60 month IRA
$100,000
3.95% ▲ 0.92% above Virginia avg
View
▼
Rate3.88%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.03%▲ 0.92% above avgNationally 2.92%
Details

Compounding: Monthly

Rate History
No change since Oct 6, 2026 · 3.95% APY · checked 4 times
3.45%3.95%4.45%Oct 6, 2026: 3.95% APYOct 6, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3445 Fall Hill Ave, Fredericksburg, VA 22401
5 Year Long-Term Certificate
$0
3.90% ▲ 0.87% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average3.03%▲ 0.87% above avgNationally 2.92%
Details

Balance tier: $100K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly

Rate History
No change since Oct 20, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 20, 2026: 3.90% APYOct 20, 2026Oct 25, 2026
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
2004 Augustine Ave, Fredericksburg, VA 22401
60-Month Certificate
$0
3.90% ▲ 0.87% above Virginia avg
View
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.03%▲ 0.87% above avgNationally 2.92%
Details

Balance: $25,000.00 + over

Rate History
1 change since Sep 21, 2026 · 3.80% → 3.90% ▲ 0.10 pts · high 3.90% / low 3.80%
3.30%3.85%4.40%Sep 21, 2026: 3.80% APYOct 9, 2026: 3.90% APYSep 21, 2026Oct 25, 2026
  • Oct 9, 20263.90%▲ from 3.80%
  • Sep 21, 20263.80%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3445 Fall Hill Ave, Fredericksburg, VA 22401
5 Year Long-Term Certificate
$0
3.85% ▲ 0.82% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average3.03%▲ 0.82% above avgNationally 2.92%
Details

Balance tier: $1K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly

Rate History
No change since Oct 20, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 20, 2026: 3.85% APYOct 20, 2026Oct 25, 2026
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
2150 Gordon W Shelton Blvd, Fredericksburg, VA 22401 4974
60 month certificate
$50,000
3.85% ▲ 0.82% above Virginia avg
View
▼
Rate3.78%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.03%▲ 0.82% above avgNationally 2.92%
Details

Compounding: Monthly

Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 5 times
3.35%3.85%4.35%Sep 30, 2026: 3.85% APYSep 30, 2026Oct 25, 2026
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
2150 Gordon W Shelton Blvd, Fredericksburg, VA 22401 4974
60 month IRA
$50,000
3.85% ▲ 0.82% above Virginia avg
View
▼
Rate3.78%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.03%▲ 0.82% above avgNationally 2.92%
Details

Compounding: Monthly

Rate History
No change since Oct 6, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Oct 6, 2026: 3.85% APYOct 6, 2026Oct 25, 2026
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
2004 Augustine Ave, Fredericksburg, VA 22401
60-Month Certificate
$0
3.80% ▲ 0.77% above Virginia avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.03%▲ 0.77% above avgNationally 2.92%
Details

Balance: $100.00 - $24,999.99

Rate History
1 change since Sep 21, 2026 · 3.70% → 3.80% ▲ 0.10 pts · high 3.80% / low 3.70%
3.20%3.75%4.30%Sep 21, 2026: 3.70% APYOct 9, 2026: 3.80% APYSep 21, 2026Oct 25, 2026
  • Oct 9, 20263.80%▲ from 3.70%
  • Sep 21, 20263.70%first recorded
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
2150 Gordon W Shelton Blvd, Fredericksburg, VA 22401 4974
60 month certificate
$5,000
3.76% ▲ 0.73% above Virginia avg
View
▼
Rate3.70%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.03%▲ 0.73% above avgNationally 2.92%
Details

Compounding: Monthly

Rate History
No change since Sep 30, 2026 · 3.76% APY · checked 5 times
3.26%3.76%4.26%Sep 30, 2026: 3.76% APYSep 30, 2026Oct 25, 2026
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
2150 Gordon W Shelton Blvd, Fredericksburg, VA 22401 4974
60 month IRA
$5,000
3.76% ▲ 0.73% above Virginia avg
View
▼
Rate3.70%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.03%▲ 0.73% above avgNationally 2.92%
Details

Compounding: Monthly

Rate History
No change since Oct 6, 2026 · 3.76% APY · checked 4 times
3.26%3.76%4.26%Oct 6, 2026: 3.76% APYOct 6, 2026Oct 25, 2026
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
2004 Augustine Ave, Fredericksburg, VA 22401
60-Month (5-Year) Share Certificate
$0
3.75% ▲ 0.72% above Virginia avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.03%▲ 0.72% above avgNationally 2.92%
Details

Balance: $25,000.00 and over

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 25, 2026
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
2150 Gordon W Shelton Blvd, Fredericksburg, VA 22401 4974
60 month certificate
$500
3.75% ▲ 0.72% above Virginia avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.03%▲ 0.72% above avgNationally 2.92%
Details

Compounding: Quarterly

Rate History
No change since Sep 30, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 30, 2026: 3.75% APYSep 30, 2026Oct 25, 2026
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
2150 Gordon W Shelton Blvd, Fredericksburg, VA 22401 4974
60 month IRA
$100
3.75% ▲ 0.72% above Virginia avg
View
▼
Rate3.70%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.03%▲ 0.72% above avgNationally 2.92%
Details

Compounding: Quarterly

Rate History
No change since Oct 6, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Oct 6, 2026: 3.75% APYOct 6, 2026Oct 25, 2026
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
2004 Augustine Ave, Fredericksburg, VA 22401
5-Year IRA Certificate
$0
3.65% ▲ 0.62% above Virginia avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.03%▲ 0.62% above avgNationally 2.92%
Details

Balance: $25,000.00 + over

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 9 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 25, 2026
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
2004 Augustine Ave, Fredericksburg, VA 22401
60-Month (5-Year) Share Certificate
$0
3.65% ▲ 0.62% above Virginia avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.03%▲ 0.62% above avgNationally 2.92%
Details

Balance: $100.00 - $24,999.99

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 25, 2026
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
2004 Augustine Ave, Fredericksburg, VA 22401
5-Year IRA Certificate
$0
3.55% ▲ 0.52% above Virginia avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.03%▲ 0.52% above avgNationally 2.92%
Details

Balance: $100.00 - $24,999.99

Rate History
No change since Sep 21, 2026 · 3.55% APY · checked 8 times
3.05%3.55%4.05%Sep 21, 2026: 3.55% APYSep 21, 2026Oct 25, 2026
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
2004 Augustine Ave, Fredericksburg, VA 22401
5 Year Rate Boost Certificate
$0
3.40% ▲ 0.37% above Virginia avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.03%▲ 0.37% above avgNationally 2.92%
Details

Balance: $25,000.00 + over

Rate History
No change since Sep 21, 2026 · 3.40% APY · checked 8 times
2.90%3.40%3.90%Sep 21, 2026: 3.40% APYSep 21, 2026Oct 25, 2026
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
2004 Augustine Ave, Fredericksburg, VA 22401
5 Year Rate Boost Certificate
$0
3.30% ▲ 0.27% above Virginia avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.03%▲ 0.27% above avgNationally 2.92%
Details

Balance: $100.00 - $24,999.99

Rate History
No change since Sep 21, 2026 · 3.30% APY · checked 8 times
2.80%3.30%3.80%Sep 21, 2026: 3.30% APYSep 21, 2026Oct 25, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1 Geico Blvd, Fredericksburg, VA 22412
60 Month Standard CDs - Rewards
$0
3.10% ▲ 0.07% above Virginia avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.03%▲ 0.07% above avgNationally 2.92%
Details

Rewards APY

Rate History
No change since Oct 14, 2026 · 3.10% APY · checked 2 times
2.60%3.10%3.60%Oct 14, 2026: 3.10% APYOct 14, 2026Oct 25, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1 Geico Blvd, Fredericksburg, VA 22412
60 Month Standard IRA CDs - Rewards
$0
3.10% ▲ 0.07% above Virginia avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.03%▲ 0.07% above avgNationally 2.92%
Details

Rewards APY column; Dividend Rate 3.06%

Rate History
No change since Oct 19, 2026 · 3.10% APY
2.60%3.10%3.60%Oct 19, 2026: 3.10% APYOct 19, 2026Oct 25, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1 Geico Blvd, Fredericksburg, VA 22412
60 Month Standard CDs - Regular
$0
2.84% ▼ 0.19% below Virginia avg
View
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.03%▼ 0.19% below avgNationally 2.92%
Details

Regular APY

Rate History
No change since Oct 14, 2026 · 2.84% APY · checked 2 times
2.34%2.84%3.34%Oct 14, 2026: 2.84% APYOct 14, 2026Oct 25, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1 Geico Blvd, Fredericksburg, VA 22412
60 Month Standard IRA CDs - Regular
$0
2.84% ▼ 0.19% below Virginia avg
View
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.03%▼ 0.19% below avgNationally 2.92%
Details

Regular APY column; Dividend Rate 2.81%

Rate History
No change since Oct 19, 2026 · 2.84% APY
2.34%2.84%3.34%Oct 19, 2026: 2.84% APYOct 19, 2026Oct 25, 2026
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
4805 Lassen Ln, Fredericksburg, VA 22408
5 Year Standard CD
$1,000
2.50% ▼ 0.53% below Virginia avg
View
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average3.03%▼ 0.53% below avgNationally 2.92%
Details

Standard CD/IRA term; minimum opening deposit CD $1,000, IRA $500

Rate History
No change since Oct 20, 2026 · 2.50% APY
2.00%2.50%3.00%Oct 20, 2026: 2.50% APYOct 20, 2026Oct 25, 2026
Shore United Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
425 William St, Fredericksburg, VA 22401
Certificate of Deposit - 60 Month
$500
2.50% ▼ 0.53% below Virginia avg
View
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average3.03%▼ 0.53% below avgNationally 2.92%
Details

Rates effective as of 06/25/26; withdrawals during term subject to penalty of 90 days of interest

Rate History
No change since Oct 20, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 20, 2026: 2.50% APYOct 20, 2026Oct 25, 2026
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
1151 Carl D Silver Pkwy, Fredericksburg, VA 22401 4914
5 Year - Certificate or IRA Certificate
$1,000
2.42% ▼ 0.61% below Virginia avg
View
▼
Rate2.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.03%▼ 0.61% below avgNationally 2.92%
Details

Minimum to Open: $1,000.00; Minimum to Earn APY: $1,000.00

Rate History
No change since Sep 25, 2026 · 2.42% APY · checked 6 times
1.92%2.42%2.92%Sep 25, 2026: 2.42% APYSep 25, 2026Oct 25, 2026
InFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
1151 Carl D Silver Pkwy, Fredericksburg, VA 22401 4914
Youth Share Certificates - 5 Year Certificate
$100
2.42% ▼ 0.61% below Virginia avg
View
▼
Rate2.40%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.03%▼ 0.61% below avgNationally 2.92%
Details

Rate History
No change since Sep 25, 2026 · 2.42% APY · checked 6 times
1.92%2.42%2.92%Sep 25, 2026: 2.42% APYSep 25, 2026Oct 25, 2026
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
501 C Emancipation Highway, Fredericksburg, VA 22401
5 Year Standard Rate CDs
$500
1.90% ▼ 1.13% below Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average3.03%▼ 1.13% below avgNationally 2.92%
Details

Rate History
No change since Sep 18, 2026 · 1.90% APY · checked 7 times
1.40%1.90%2.40%Sep 18, 2026: 1.90% APYSep 18, 2026Oct 25, 2026
Blue Ridge Bank National Association
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
10645 Courthouse Rd, Fredericksburg, VA 22407
60 Month Business Certificates of Deposit
$0
1.50% ▼ 1.53% below Virginia avg
View
▼
Rate1.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average3.03%▼ 1.53% below avgNationally 2.92%
Details

Minimum balance to open is $1,000; penalty may be imposed for early withdrawal

Rate History
No change since Oct 14, 2026 · 1.50% APY · checked 3 times
1.00%1.50%2.00%Oct 14, 2026: 1.50% APYOct 14, 2026Oct 25, 2026
Blue Ridge Bank National Association
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
10645 Courthouse Rd, Fredericksburg, VA 22407
60 Month Consumer Certificates of Deposit
$0
1.50% ▼ 1.53% below Virginia avg
View
▼
Rate1.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average3.03%▼ 1.53% below avgNationally 2.92%
Details

Rate History
No change since Oct 20, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 20, 2026: 1.50% APYOct 20, 2026Oct 25, 2026
Blue Ridge Bank National Association
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
10645 Courthouse Rd, Fredericksburg, VA 22407
60 Month Golden Advantage Certificate of Deposit & Specials
$0
1.50% ▼ 1.53% below Virginia avg
View
▼
Rate1.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average3.03%▼ 1.53% below avgNationally 2.92%
Details

Rate History
No change since Oct 20, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 20, 2026: 1.50% APYOct 20, 2026Oct 25, 2026
Blue Ridge Bank National Association
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
10645 Courthouse Rd, Fredericksburg, VA 22407
Business Certificates of Deposit - 60 Months+
$1,000
1.50% ▼ 1.53% below Virginia avg
View
▼
Rate1.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average3.03%▼ 1.53% below avgNationally 2.92%
Details

Minimum balance to open is $1,000; APY effective as of 10/15/2026; early withdrawal penalty may apply

Rate History
No change since Oct 20, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 20, 2026: 1.50% APYOct 20, 2026Oct 25, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
1800 Carl D Silver Pkwy, Fredericksburg, VA 22401
5 Year Certificate of Deposit
$500
1.25% ▼ 1.78% below Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average3.03%▼ 1.78% below avgNationally 2.92%
Details

APY calculated on monthly compounding assuming interest remains on deposit until maturity

Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 9 times
0.75%1.25%1.75%Sep 14, 2026: 1.25% APYSep 14, 2026Oct 25, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
1800 Carl D Silver Pkwy, Fredericksburg, VA 22401
5 Year IRA Certificate of Deposit
$500
1.25% ▼ 1.78% below Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average3.03%▼ 1.78% below avgNationally 2.92%
Details

Early withdrawal penalties may apply

Rate History
No change since Sep 27, 2026 · 1.25% APY · checked 2 times
0.75%1.25%1.75%Sep 27, 2026: 1.25% APYSep 27, 2026Oct 25, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1575 Emancipation Hwy, Fredericksburg, VA 22401
5-Year Jumbo CD
$100,000
0.50% ▼ 2.53% below Virginia avg
View
▼
Rate0.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.03%▼ 2.53% below avgNationally 2.92%
Details

Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 2 times
0.00%0.50%1.00%Sep 24, 2026: 0.50% APYSep 24, 2026Oct 25, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1575 Emancipation Hwy, Fredericksburg, VA 22401
5-Year Term CD
$1,000
0.50% ▼ 2.53% below Virginia avg
View
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.03%▼ 2.53% below avgNationally 2.92%
Details

Rate History
No change since Oct 19, 2026 · 0.50% APY
0.00%0.50%1.00%Oct 19, 2026: 0.50% APYOct 19, 2026Oct 25, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1575 Emancipation Hwy, Fredericksburg, VA 22401
Term CD - 5-Year
$1,000
0.50% ▼ 2.53% below Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.03%▼ 2.53% below avgNationally 2.92%
Details

Minimum of $1,000 to open your account

Rate History
No change since Oct 19, 2026 · 0.50% APY
0.00%0.50%1.00%Oct 19, 2026: 0.50% APYOct 19, 2026Oct 25, 2026
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
400 George St, Fredericksburg, VA 22401
60 Month Personal Certificate of Deposit
$1,000
0.05% ▼ 2.98% below Virginia avg
View
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.03%▼ 2.98% below avgNationally 2.92%
Details

Standard rate for all terms 7 days - 60 months, all balances; Rates as of 5/12/2026

Rate History
No change since Oct 23, 2026 · 0.05% APY
0.00%0.28%0.55%Oct 23, 2026: 0.05% APYOct 23, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4319 Plank Rd, Fredericksburg, VA 22407
Certificate of Deposit - 60 Months
$1,000
0.03% ▼ 3.00% below Virginia avg
View
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average3.03%▼ 3.00% below avgNationally 2.92%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4319 Plank Rd, Fredericksburg, VA 22407
IRA CD 60 Months
$250
0.03% ▼ 3.00% below Virginia avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average3.03%▼ 3.00% below avgNationally 2.92%
Details

Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 14, 2026: 0.03% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4319 Plank Rd, Fredericksburg, VA 22407
Certificate of Deposit - 60 Months
$1,000
0.02% ▼ 3.01% below Virginia avg
View
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average3.03%▼ 3.01% below avgNationally 2.92%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4319 Plank Rd, Fredericksburg, VA 22407
IRA CD 60 Months
$250
0.02% ▼ 3.01% below Virginia avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average3.03%▼ 3.01% below avgNationally 2.92%
Details

Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 14, 2026: 0.02% APYOct 14, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4319 Plank Rd, Fredericksburg, VA 22407
Certificate of Deposit - 60 Months
$1,000
0.01% ▼ 3.02% below Virginia avg
View
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average3.03%▼ 3.02% below avgNationally 2.92%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 25, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4319 Plank Rd, Fredericksburg, VA 22407
IRA CD 60 Months
$250
0.01% ▼ 3.02% below Virginia avg
View
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average3.03%▼ 3.02% below avgNationally 2.92%
Details

Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000

Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 14, 2026: 0.01% APYOct 14, 2026Oct 25, 2026
Beach Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
60 Month Youth Share Certificate
$0
5.00% ▲ 1.97% above Virginia avg
View
▼
Rate4.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.03%▲ 1.97% above avgNationally 2.92%
Details

Available Options: $50 and $100 only; Exclusively for Long John Saver & Pipeline members; Part of Long John Saver Kids Club & Pipeline for Teens; Maximum $1,000 in Youth Share Certificates at any one time

Rate History
No change since Oct 9, 2026 · 5.00% APY · checked 3 times
4.50%5.00%5.50%Oct 9, 2026: 5.00% APYOct 9, 2026Oct 25, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
60 Month Elite Jumbo CD
$250,000
4.75% ▲ 1.72% above Virginia avg
View
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.03%▲ 1.72% above avgNationally 2.92%
Details

Rate History
1 change since Sep 21, 2026 · 4.25% → 4.75% ▲ 0.50 pts · high 4.75% / low 4.25%
3.75%4.50%5.25%Sep 21, 2026: 4.25% APYOct 5, 2026: 4.75% APYSep 21, 2026Oct 25, 2026
  • Oct 5, 20264.75%▲ from 4.25%
  • Sep 21, 20264.25%first recorded
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
Share Certificate - 60 months
$0
4.55% ▲ 1.52% above Virginia avg
View
▼
Rate4.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average3.03%▲ 1.52% above avgNationally 2.92%
Details

Effective as of October 1, 2026

Rate History
1 change since Sep 18, 2026 · 4.28% → 4.55% ▲ 0.27 pts · high 4.55% / low 4.28%
3.78%4.42%5.05%Sep 18, 2026: 4.28% APYSep 27, 2026: 4.55% APYSep 18, 2026Oct 25, 2026
  • Sep 27, 20264.55%▲ from 4.28%
  • Sep 18, 20264.28%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
60 Month Share Certificates
$500
4.50% ▲ 1.47% above Virginia avg
View
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.03%▲ 1.47% above avgNationally 2.92%
Details

Rate History
1 change since Sep 14, 2026 · 3.82% → 4.50% ▲ 0.68 pts · high 4.50% / low 3.82%
3.14%4.16%5.18%Sep 14, 2026: 3.82% APYOct 4, 2026: 4.50% APYSep 14, 2026Oct 25, 2026
  • Oct 4, 20264.50%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Business Share Certificate - 60 Months
$500
4.50% ▲ 1.47% above Virginia avg
View
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.03%▲ 1.47% above avgNationally 2.92%
Details

Minimum balance of $500 required; Dividends compounded daily and credited monthly; Penalties apply for early withdrawal

Rate History
No change since Oct 4, 2026 · 4.50% APY · checked 4 times
4.00%4.50%5.00%Oct 4, 2026: 4.50% APYOct 4, 2026Oct 25, 2026
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Share Certificate - 60 Months
$500
4.50% ▲ 1.47% above Virginia avg
View
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.03%▲ 1.47% above avgNationally 2.92%
Details

Minimum balance of $500 required; Penalties apply for early withdrawal

Rate History
No change since Oct 4, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 4, 2026: 4.50% APYOct 4, 2026Oct 25, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
5 Year IRA Traditional & Roth CD
$500
4.50% ▲ 1.47% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.03%▲ 1.47% above avgNationally 2.92%
Details

Rate History
1 change since Sep 21, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 21, 2026: 4.00% APYOct 13, 2026: 4.50% APYSep 21, 2026Oct 25, 2026
  • Oct 13, 20264.50%▲ from 4.00%
  • Sep 21, 20264.00%first recorded
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.

Top CD Rates from Fredericksburg, Virginia Institutions

Highest verified APYs available today, updated October 23, 2026

B Top 5 Bank Rates
SFGI Direct
18-Month CD
A 5.0 ★ TX: 7.39%
Min: $1,000
4.40%
Blue Ridge Bank National Association
12 Month Golden Advantage Certificate of Deposit & Specials
A 5.0 ★ TX: 8.11%
Min: $0
4.05%
CIT Bank
1-Year Term CD
A 5.0 ★ TX: 7.72%
Min: $1,000
4.00%
M&T Bank
18 MONTH SELECT Certificate of Deposit
A+ 5.0 ★ TX: 4.11%
Min: $1,000
3.85%
Truist
12 Month CD Special
A+ 5.0 ★ TX: 2.87%
Min: $0
3.25%
CU Top 5 Credit Union Rates
Navy Federal Credit Union
12 Month Special EasyStart Certificate
A 5.0 ★ TX: 8.14%
Min: $50
4.35%
Virginia Credit Union
12 month certificate
A 5.0 ★ TX: 6.40%
Min: $100,000
4.05%
Topside Federal Credit Union
12-Month Certificate
A 5.0 ★ TX: 6.63%
Min: $0
4.00%
Baxter Credit Union
18 Month CD Specials - Regular
A 5.0 ★ TX: 6.31%
Min: $0
3.80%
InFirst Federal Credit Union
2 Year - Certificate or IRA Certificate
A+ 5.0 ★ TX: 3.58%
Min: $1,000
2.78%
Rates verified October 23, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Fredericksburg, VA CD Rate Trends

Compare local Fredericksburg, VA CD rate quotes against the statewide average

Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.

View Full Virginia CD Trends
12-Month CD VA Avg
3.057%
▲ 0.014 vs 7 days ago

Virginia 12-month CD rates rose 0.014 points over the past 7 days to 3.057% APY.

6-Month CD VA Avg
2.630%
▲ 0.014 vs 7 days ago

Virginia 6-month CD rates rose 0.014 points over the past 7 days to 2.630% APY.

As of Oct 25, 2026 • Rate data sourced from 8,500+ monitored institutions

VA CD Rate Forecast, Next 12 Months

Where are Virginia CD rates headed through October 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

VA 12-Month Avg APY
3.057%
6-Month Forecast
3.057%
Range: 2.86%, 3.21%
12-Month Forecast
3.307%
Range: 3.11%, 3.46%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Virginia average 12-month CD APY in our database.

Spread model: The Virginia 12-month CD average currently trades 1.32% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

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What Your Savings Earn at VA CD Rates Today

Annual interest earnings at today’s Virginia average APYs. State average used where available; national average as fallback.

CD Term VA Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 1.691% $84.57 $169.14 $422.85 $845.70
6-Month CD 2.630% $131.49 $262.97 $657.43 $1,314.85
12-Month CD 3.057% $152.83 $305.65 $764.13 $1,528.25
18-Month CD 3.207% $160.36 $320.73 $801.82 $1,603.65
24-Month CD 2.981% $149.05 $298.09 $745.23 $1,490.45
36-Month CD 2.937% $146.85 $293.70 $734.25 $1,468.50
48-Month CD 2.862% $143.08 $286.15 $715.38 $1,430.75
60-Month CD 3.026% $151.32 $302.63 $756.57 $1,513.15
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 23, 2026.
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Sample CD Ladder for Fredericksburg, Virginia Savers

$25,000 split equally across 5 terms using today’s Virginia average rates. As each CD matures, reinvest at the 36-month rung.

Build Your Ladder
Rung Term Deposit VA Avg APY Annual Earnings
1 3-Month CD $5,000 1.691% $84.57
2 6-Month CD $5,000 2.630% $131.49
3 12-Month CD $5,000 3.057% $152.83
4 24-Month CD $5,000 2.981% $149.05
5 36-Month CD $5,000 2.937% $146.85
Total ($25,000 invested) $25,000 2.659% blended $664.79/yr

Ladder example uses equal $5,000 rungs and Virginia average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.

Powered byMonitorBankRates
1,619
CD Rates
Tracked in Fredericksburg, Virginia
32 Banks 59 Credit Unions

About Our Fredericksburg, Virginia CD Rate Database

MonitorBankRates tracks 1,619 CD rates from 32 banks and 59 credit unions with locations in Fredericksburg, Virginia, plus national online institutions available to Virginia residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.

Current top rate: SFGI Direct offers a CD at 4.40% APY with a minimum deposit of $1,000. Use the rate table above to compare all current offers in Fredericksburg, Virginia.

How to Find the Best CD Rates in Fredericksburg, Virginia

What to compare when shopping for a CD in Fredericksburg, Virginia

To find the best APYs in Fredericksburg, Virginia, start with credit unions and online-only banks: Fredericksburg, Virginia has 59 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.

Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.

Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.

When a CD Makes Sense in Fredericksburg, Virginia

  • You have a planned expense coming up and want your savings to earn while you wait
  • You expect rates to fall and want to lock in today’s rate
  • You want FDIC or NCUA protection with a guaranteed fixed return
  • You prefer banking with an institution that has a local branch in Fredericksburg, Virginia: 91 institutions here report CD rates

Consider an Alternative If…

Fredericksburg, Virginia Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024

Population 65+
11.4%
National avg: 17.3%
Median Individual Earnings
$46,833
National avg: $47,340
Poverty Rate
13.2%
National avg: 11.1%
Unemployment Rate
5.0%
National avg: 4.8%
CD Earnings on 10% of Salary
$143/yr
At VA 12-mo avg 3.057% APY

11.4% of residents are 65 or older, below the national average of 17.3%. At today’s VA 12-month CD average of 3.057%, saving 10% of the local median salary ($4,683/year) and putting it in a CD would earn an additional $143 annually in interest.

Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.

CD Rates vs. Other Savings Options in Fredericksburg, Virginia

What to compare when choosing between a CD and other deposit accounts

Feature CD High-Yield Savings Money Market 6-Month CD
Rate Type Fixed APY Variable APY Variable APY Fixed APY
Liquidity Locked for term Anytime Anytime Locked 6 months
Early Withdrawal Penalty (months of interest) None None Penalty (90 to 180 days interest)
FDIC / NCUA Insured Yes (up to $250K) Yes (up to $250K) Yes (up to $250K) Yes (up to $250K)
Check / Debit Access No Usually no Often yes No
Best For Known savings goal, CD ladder Emergency fund, flexible savings Liquid savings with check-writing Slightly higher yield, less urgency

How Certificates of Deposit Work in Fredericksburg, Virginia

A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Fredericksburg, Virginia typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Fredericksburg, Virginia as everywhere in the U.S.

Choosing a CD Term in Fredericksburg, Virginia

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Fredericksburg, Virginia savers easier access to their funds. For example, SFGI Direct is offering its 6-Month CD at 4.20% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Virginia Credit Union is offering its 60 month certificate at 3.95% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.

CD Risk and Safety for Fredericksburg, Virginia Savers

CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Fredericksburg, Virginia saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.

How CD Interest Is Paid in Fredericksburg, Virginia

Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Fredericksburg, Virginia CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.

Fixed vs. Variable CD Rates in Fredericksburg, Virginia

Most CDs carry a fixed rate that is locked for the entire term, protecting a Fredericksburg, Virginia depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.

Frequently Asked Questions about CD Rates in Fredericksburg, Virginia

Are CD rates in Fredericksburg, Virginia FDIC insured?

Yes, most established banks in Fredericksburg, Virginia are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.

Do I have to pay state taxes on CD interest in Fredericksburg, Virginia?

Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Fredericksburg, Virginia.

Can I withdraw my money early from a CD?

You can, but most institutions charge an Early Withdrawal Penalty, typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.

What is the difference between a Jumbo CD and a regular CD?

Jumbo CDs require a higher minimum deposit, traditionally $100,000 or more. In exchange, banks in Fredericksburg, Virginia may offer slightly higher APYs compared to standard CDs.

Are fixed-rate CDs better than variable-rate CDs?

Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.

What is a CD ladder?

A CD ladder involves opening multiple CDs with staggered maturity dates, for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.

Best CD rates in Fredericksburg, Virginia?

Here are recent top rates found for this area:
  • SFGI Direct: 4.40% APY (18-Month CD)
  • Navy Federal Credit Union: 4.35% APY (12 Month Special EasyStart Certificate)
  • Blue Ridge Bank National Association: 4.05% APY (12 Month Golden Advantage Certificate of Deposit & Specials)
  • Virginia Credit Union: 4.05% APY (12 month certificate)
  • Topside Federal Credit Union: 4.00% APY (12-Month Certificate)
  • CIT Bank: 4.00% APY (1-Year Term CD)
  • M&T Bank: 3.85% APY (18 MONTH SELECT Certificate of Deposit)
  • Baxter Credit Union: 3.80% APY (18 Month CD Specials - Regular)
  • Truist: 3.25% APY (12 Month CD Special)
  • Atlantic Union Bank: 3.00% APY (1 Year Standard CD)
Rates reflect recent verified offers available in Fredericksburg, Virginia. Last Updated: October 23, 2026

Fredericksburg, Virginia CD Calculator

See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Fredericksburg, Virginia rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
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Ending Balance
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Matures

Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.

Top Fredericksburg, Virginia CD Rates by Term

Verified October 23, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Fredericksburg, Virginia. Averages shown use the Virginia state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Fredericksburg, Virginia

Fredericksburg, Virginia CD Calculator

At today’s VA top rate of 4.40% APY, a $10,000 deposit earns $440 in the first year. Enter your amount to see your exact return.

Fredericksburg, Virginia CD Ladder

VA CD rates currently range from 1.691% (3-month) to 2.937% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Fredericksburg, Virginia CD at 4.40% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Virginia’s average 12-month CD is 3.057% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Fredericksburg, Virginia CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Fredericksburg, Virginia directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Fredericksburg, Virginia. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in VA.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 23, 2026

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