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CD Rates Galax, Virginia (VA) for April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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| iEditorial Disclosure
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: April 12, 2026

Current Galax, Virginia CD rates include Self-Help Credit UnionSelf-Help Credit Union305 S Railroad Ave, Galax, VA 24333 4024A5.0 ★Texas Ratio: 7.18% offering 1-year Certificate at 3.82% APY, Wells FargoWells Fargo300 N Main St, Galax, VA 24333A5.0 ★Texas Ratio: 7.44% offering 1 year Standard Fixed Rate CD at 1.51% APY, First Citizens BankFirst Citizens Bank540 E Stuart Dr, Galax, VA 24333A+5.0 ★Texas Ratio: 5.24% offering 6-month automatic saver CD at 0.01% APY, Apple Federal Credit UnionApple Federal Credit UnionA+5.0 ★Texas Ratio: 0.37% offering 12-Month Starter Certificate at 4.50% APY, and Autotruck Financial Credit UnionAutotruck Financial Credit UnionA+5.0 ★Texas Ratio: 3.26% offering Share Certificate Accounts 6 Month at 4.06% APY. CD rates as of April 12, 2026 according to verified data from MonitorBankRates.

Galax has 7 local institutions in our database, with CD rates as high as 3.82% APY from Self-Help Credit Union at 305 S Railroad Ave, Galax, VA 24333 4024. 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 — 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: April 12, 2026

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

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
300 N Main St, Galax, VA 24333
3 month Standard Fixed Rate CD
$2,500
0.06%
View
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details

Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
3 Month CD and IRA Specials
$0
3.80%
View
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
3 Month Share Certificate
$0
3.75%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
3 Month Certificate
$0
3.70%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
3-Month Share Certificate
$100,000
3.60%
View
▼
Rate3.54%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details

$100,000 Minimum to Earn APY

Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
3 Month Certificate
$0
3.50%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.60%
Jumbo - 90 Day Certificate
$100,000
2.90%
View
▼
Rate2.85%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details

Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
3 month Certificate Account
$0
2.10%
View
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Share Certificate Accounts 3 Month
$0
1.26%
View
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Regular Accounts

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
3 month Share Certificate
$100,000
1.12%
View
▼
Rate1.11%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details

General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
Savings and IRA 3 Month Certificate
$0
1.00%
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Certificate of Deposit 3-Month
$0
0.70%
View
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
3-month term Certificates (CDs)
$0
0.60%
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Chesapeake Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
90 day Certificate
$0
0.50%
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

$1,000 minimum balance

Presidential Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
90 Day CD
$1,000
0.10%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

All CD rates may change at any time without prior notice. After your CD is opened, the interest rate is fixed for the term. A penalty is imposed for early withdrawal. Fees could reduce earnings.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
300 N Main St, Galax, VA 24333
6 month Standard Fixed Rate CD
$2,500
0.06%
View
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details

First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
540 E Stuart Dr, Galax, VA 24333
6-month automatic saver CD
$500
0.01%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Share Certificate Accounts 6 Month
$0
4.06%
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Regular Accounts

EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
6 Month CD
$1,000
3.95%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
6 Month CD and IRA Specials
$0
3.80%
View
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
IRA Certificates - 6 month
$0
3.76%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
Regular Certificates 6 month Term
$0
3.75%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Bank of Botetourt
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
Certificate of Deposit 6 Month Special
$2,500
3.70%
View
▼
Rate3.67%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details

Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.60%
Jumbo - 6 Month Certificate
$100,000
3.60%
View
▼
Rate3.53%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details

HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
Wealth Center/Telephone Deposit Account CDs 6 Month
$1,000
3.55%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
6 Month Certificate
$0
3.50%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
6-Month Share Certificate
$100,000
3.45%
View
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details

$100,000 Minimum to Earn APY

Farmers Bank of Appomattox
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
Jumbo CDs 6 Month
$100,000
3.30%
View
▼
Rate3.23%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details

Bronco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.34%
6-Month Share Certificate
$0
3.25%
View
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Everence Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.68%
6 month Certificate
$100,000
3.20%
View
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
6 month Share Certificate
$100,000
3.16%
View
▼
Rate3.12%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details

Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
Share & IRA Share Certificates (6 month term)
$0
3.14%
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
6 month Certificate
$0
3.10%
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

First National Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
6 Month CD
$500
3.02%
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Jumbo Fixed Rate Share Certificates 6-month
$10,000
2.60%
View
▼
Rate2.58%
Min Deposit$10,000
Min Balance—
UpdatedApr 12, 2026
Details

Richmond Virginia Fire Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
Saving Certificates 6 MONTH CD's
$0
2.53%
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Share certificate rates are for renewals only (i.e. no new certificates effective 03/18/20).

Homebase Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
Share Certificate / IRA Certificate 6 Month
$0
2.52%
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Democracy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
Youth Savings Certificate 6 Month Certificate
$25
2.50%
View
▼
Rate2.47%
Min Deposit$25
Min Balance—
UpdatedApr 12, 2026
Details

Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
6 month certificate
$100,000
2.35%
View
▼
Rate2.33%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details

Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
6 month Certificate Account
$0
2.20%
View
▼
Rate2.18%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
Savings and IRA 6 Month Certificate
$0
2.00%
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

American Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
6 Month IRA and Share Certificates
$500
1.75%
View
▼
Rate1.74%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Blue Ridge Bank National Association
Institution Rating:
F2.8 ★Texas Ratio: 41.42%
Consumer Certificates of Deposit 6 Month
$0
1.60%
View
▼
Rate1.59%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
6-month Share Certificates
$0
1.55%
View
▼
Rate1.54%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Premier / Select Relationship

Credit Union of Richmond
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
6 Month Share/IRA Certificate
$0
1.51%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.27%
6 Month Preferred Certificates
$0
1.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
6-month term Certificates (CDs)
$0
1.35%
View
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.79%
Business Share Certificates 6 Month
$500
1.20%
View
▼
Rate1.20%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

InFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
6 Month - Certificate
$1,000
0.75%
View
▼
Rate0.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Certificate of Deposit 6-Month
$0
0.70%
View
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

KEMBA ROANOKE
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
6 Month Share Certificates
$500
0.55%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Additional Deposits not allowed; Withdrawals allowed; Dividends compounded and credited monthly; Penalties may apply for early withdrawal; Refer to the Member Account Agreement for the Truth in Savings Disclosure related to these accounts.; Rates subject to change without notice. Minimum deposit required to earn dividends varies, please speak to a member representative for more information

Freedom First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
6-Month Certificates
$0
0.25%
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Summit Hampton Roads Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
IRA/Share Certificates 6 Month
$1,000
0.20%
View
▼
Rate0.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

ValleyStar Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.99%
6 month Certificates (Business & Consumer)
$0
0.15%
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
305 S Railroad Ave, Galax, VA 24333 4024
1-year Certificate
$0
3.82%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
300 N Main St, Galax, VA 24333
1 year Standard Fixed Rate CD
$2,500
1.51%
View
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details

First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
540 E Stuart Dr, Galax, VA 24333
1-year convertible CD
$500
0.01%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Qualifying balance up to $49,000.00

Apple Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
12-Month Starter Certificate
$50
4.50%
View
▼
Rate—
Min Deposit$50
Min Balance—
UpdatedApr 12, 2026
Details

Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
12-Month Savings Certificate Special
$500
4.00%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

This is a limited time offer and can end without notice.

EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
12 Month CD
$1,000
3.95%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
12 Month Share Builder & IRA Certificate Platinum
$0
3.90%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
IRA Certificates - 12 month
$0
3.87%
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Share Certificate Accounts 12 Month
$0
3.85%
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Regular Accounts

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificate 12-Month
$0
3.84%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Bank of Hope
Institution Rating:
A+5.0 ★Texas Ratio: 3.52%
12-month CD
$0
3.80%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Limited time offer. Only available in our branches.

Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
1-Year Share Certificate
$0
3.76%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.22%
12 month Certificate
$0
3.75%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
12 month certificate
$50,000
3.65%
View
▼
Rate3.59%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details

HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
Wealth Center/Telephone Deposit Account CDs 12 Month
$1,000
3.60%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
12 Month Certificate
$0
3.55%
View
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
Regular Certificates 1 Year Term
$0
3.50%
View
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
Share & IRA Share Certificates (12 month term)
$0
3.45%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
12-Month Share Certificate
$100,000
3.40%
View
▼
Rate3.35%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details

$100,000 Minimum to Earn APY

Park View Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
Business Regular Fixed Rate Certificates 1 year
$0
3.35%
View
▼
Rate3.31%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
12 month Share Certificate
$100,000
3.31%
View
▼
Rate3.27%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details

Augusta County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
1 Year Share Certificate
$0
3.30%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Presidential Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
1 Year CD
$1,000
3.25%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

All CD rates may change at any time without prior notice. After your CD is opened, the interest rate is fixed for the term. A penalty is imposed for early withdrawal. Fees could reduce earnings.

ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
12-Month Certificates
$0
3.20%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Farmers Bank of Appomattox
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
Jumbo CDs 1 Year
$100,000
3.15%
View
▼
Rate3.07%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details

Credit Union of Richmond
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
*12 Month Youth Special Share/IRA Certificate
$0
3.03%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Chesapeake Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
1 year Certificate
$0
3.00%
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

$1,000 minimum balance

The Blue Grass Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
12 Month Certificate of Deposit
$1,000
2.70%
View
▼
Rate2.68%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

First National Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
1 Year Fixed IRA
$100
2.52%
View
▼
Rate2.50%
Min Deposit$100
Min Balance—
UpdatedApr 12, 2026
Details

NAE Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
12 Month Share & IRA Certificates
$0
2.48%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Other Terms: 13, 15, & 16 Mo

Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
12 month Certificate Account
$0
2.35%
View
▼
Rate2.33%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Bronco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.34%
12-Month Share Certificate
$0
2.20%
View
▼
Rate2.18%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
Appy Youth 12 Month Certificate
$0
2.05%
View
▼
Rate2.03%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

American Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
12 Month IRA and Share Certificates
$500
2.00%
View
▼
Rate1.98%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Connects Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
IRA Share Certificate 1 year
$0
1.97%
View
▼
Rate1.95%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
12-month Share Certificates
$0
1.91%
View
▼
Rate1.89%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Premier / Select Relationship

Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.27%
12 Month Preferred Certificates
$0
1.80%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

InFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
1 Year - Certificate or IRA Certificate
$1,000
1.76%
View
▼
Rate1.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Northern Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
1-Year Certificates of Deposit (CDs)
$1,000
1.50%
View
▼
Rate1.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Minimum balance required is $1,000.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
12-month term Certificates (CDs)
$0
1.40%
View
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Bank of Botetourt
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
Certificate of Deposit 1 Year - No Penalty
$5,000
1.00%
View
▼
Rate1.00%
Min Deposit$5,000
Min Balance—
UpdatedApr 12, 2026
Details

Freedom First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
12-Month Business Certificate
$0
0.85%
View
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

FRONT ROYAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA 1 Year
$0
0.75%
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Effective April 18, 2023

KEMBA ROANOKE
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
12 Month Share Certificates
$500
0.70%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Additional Deposits not allowed; Withdrawals allowed; Dividends compounded and credited monthly; Penalties may apply for early withdrawal; Refer to the Member Account Agreement for the Truth in Savings Disclosure related to these accounts.; Rates subject to change without notice. Minimum deposit required to earn dividends varies, please speak to a member representative for more information

Summit Hampton Roads Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
IRA/Share Certificates 12 Month
$1,000
0.40%
View
▼
Rate0.40%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

ValleyStar Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.99%
12 month Certificates (Business & Consumer)
$0
0.17%
View
▼
Rate0.17%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Newport News Municipal Emloyees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.96%
Share Certificates & IRA Certificates 1 year
$0
0.05%
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
18-Month Certificates
$0
3.90%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
18 Month CD
$1,000
3.80%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.60%
18 Month Certificate
$250
3.75%
View
▼
Rate3.68%
Min Deposit$250
Min Balance—
UpdatedApr 12, 2026
Details

InFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
Youth Month Certificate Special - 18 Month Term
$100
3.69%
View
▼
Rate3.64%
Min Deposit$100
Min Balance—
UpdatedApr 12, 2026
Details

Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
IRA Certificates - 18 month
$0
3.66%
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Democracy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
18 Month Certificate
$0
3.65%
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Homebase Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
Share Certificate / IRA Certificate 18 Month
$0
3.55%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
IRA Certificates 18 Month Term
$0
3.50%
View
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
18 Month Certificate
$0
3.45%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
18 month Share Certificate
$100,000
3.41%
View
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
18 Month Certificate of Deposit (IRA)
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
18-month term
$0
3.25%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

American Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
18 Month IRA and Share Certificates
$1,000
2.75%
View
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
18 month variable IRA
$100,000
2.70%
View
▼
Rate2.67%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details

Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
18 month Certificate Account
$0
2.40%
View
▼
Rate2.37%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

The Blue Grass Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
18 Month Certificate of Deposit
$1,000
2.35%
View
▼
Rate2.34%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

First National Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
18 Month Variable IRA
$100
2.32%
View
▼
Rate2.30%
Min Deposit$100
Min Balance—
UpdatedApr 12, 2026
Details

Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
18-month Share Certificates
$0
1.91%
View
▼
Rate1.89%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Premier / Select Relationship

Chesapeake Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
18 month Certificate
$0
1.80%
View
▼
Rate1.79%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

$1,000 minimum balance

FNB Bank, Inc. Romney, WV
Institution Rating:
A5.0 ★Texas Ratio: 13.45%
18 MONTH IRA (Variable)
$100
1.25%
View
▼
Rate1.24%
Min Deposit$100
Min Balance—
UpdatedApr 12, 2026
Details

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
18 Month IRA Certificates
$250
1.00%
View
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 12, 2026
Details

Relationship APY

Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Certificate of Deposit 18-Month
$0
0.95%
View
▼
Rate0.95%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Bank of Botetourt
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
Certificate of Deposit 18-Month Special
$2,500
0.55%
View
▼
Rate0.55%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Loudoun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
24-Month Roth IRA Certificates
$0
4.06%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Democracy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
24 Month CD
$0
3.85%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
24 Month CD
$1,000
3.75%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
2-year term
$500
3.71%
View
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.60%
Jumbo - 2 Year Certificate
$100,000
3.70%
View
▼
Rate3.63%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details

Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
IRA Certificates - 24 month
$0
3.66%
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
24 Month Certificate
$0
3.65%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Jumbo Fixed Rate Share Certificates 24-month
$10,000
3.60%
View
▼
Rate3.55%
Min Deposit$10,000
Min Balance—
UpdatedApr 12, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
IRA Certificates 24 Month
$0
3.59%
View
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
Share & IRA Share Certificates (24 month term)
$0
3.56%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
Wealth Center/Telephone Deposit Account CDs 24 Month
$1,000
3.55%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
IRA Certificates 2 Year Term
$0
3.50%
View
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
24-Month Share Certificate
$100,000
3.45%
View
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details

$100,000 Minimum to Earn APY

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
24 month Share Certificate
$100,000
3.41%
View
▼
Rate3.37%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details

Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
24 Month Certificate
$50,000
3.35%
View
▼
Rate3.30%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
24 Month Certificate of Deposit (IRA)
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Share Certificate Accounts 24 Month
$0
3.29%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Regular Accounts

Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
24 Month Term Certificates
$0
3.25%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Minimum to Open $1,000.00

URW Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.37%
2 Year Share Certificates (Share & IRA)
$1,000
3.09%
View
▼
Rate3.05%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Bank of Botetourt
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
24-Month IRA Special
$100
3.03%
View
▼
Rate3.00%
Min Deposit$100
Min Balance—
UpdatedApr 12, 2026
Details

General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
Savings and IRA 2 Year Certificate
$0
3.00%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Farmers Bank of Appomattox
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
Jumbo CDs 2 Year
$100,000
2.80%
View
▼
Rate2.73%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details

InFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
2 Year - Certificate or IRA Certificate
$1,000
2.78%
View
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Presidential Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
2 Year CD
$1,000
2.75%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

All CD rates may change at any time without prior notice. After your CD is opened, the interest rate is fixed for the term. A penalty is imposed for early withdrawal. Fees could reduce earnings.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
24-month term Certificates (CDs)
$0
2.60%
View
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
24 month Certificate Account
$0
2.55%
View
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

First National Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
2 Year Fixed IRA
$100
2.27%
View
▼
Rate2.25%
Min Deposit$100
Min Balance—
UpdatedApr 12, 2026
Details

Augusta Health Care Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
24 Month Share Certificate
$0
2.25%
View
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Connects Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
2 year Share Certificate
$1,000
2.12%
View
▼
Rate2.10%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

A penalty may apply for early withdrawal

Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
24-month Share Certificates
$0
2.06%
View
▼
Rate2.04%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Premier / Select Relationship

The Blue Grass Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
24 Month Certificate of Deposit
$1,000
2.00%
View
▼
Rate1.99%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.27%
24 Month Preferred Certificates
$0
1.90%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Northern Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
2-Year Certificates of Deposit (CDs)
$1,000
1.75%
View
▼
Rate1.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Minimum balance required is $1,000.

FNB Bank, Inc. Romney, WV
Institution Rating:
A5.0 ★Texas Ratio: 13.45%
24 MONTH CD
$1,000
1.25%
View
▼
Rate1.24%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Virginia Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
24 Month Share Certificate Account
$1,000
1.20%
View
▼
Rate1.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
CDs and IRAs 2 Year
$0
1.15%
View
▼
Rate1.15%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Chesapeake Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
2 year Certificate
$0
1.10%
View
▼
Rate1.09%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

$1,000 minimum balance

Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Certificate of Deposit 24-Month
$0
0.95%
View
▼
Rate0.95%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Freedom First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
24-Month Business Certificate Tier 1
$0
0.90%
View
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

KEMBA ROANOKE
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
2 Year Share Certificates
$500
0.80%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Additional Deposits not allowed; Withdrawals allowed; Dividends compounded and credited monthly; Penalties may apply for early withdrawal; Refer to the Member Account Agreement for the Truth in Savings Disclosure related to these accounts.; Rates subject to change without notice. Minimum deposit required to earn dividends varies, please speak to a member representative for more information

Summit Hampton Roads Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
IRA/Share Certificates 24 Month
$1,000
0.60%
View
▼
Rate0.60%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
305 S Railroad Ave, Galax, VA 24333 4024
3-year Certificate
$0
3.35%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
36 month Share Certificate
$100,000
4.00%
View
▼
Rate3.94%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details

Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
Share & IRA Share Certificates (36 month term)
$0
3.76%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
Fixed-Rate Jumbo 3-year term
$100,000
3.71%
View
▼
Rate3.65%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details

Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.60%
Jumbo - 3 Year Certificate
$100,000
3.70%
View
▼
Rate3.63%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details

Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
IRA Certificates - 36 month
$0
3.66%
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Apple Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
Jumbo and Jumbo IRA Certificate 36 Month
$0
3.65%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Homebase Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
Share Certificate / IRA Certificate 36 Month
$0
3.61%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Jumbo Fixed Rate Share Certificates 36-month
$10,000
3.60%
View
▼
Rate3.55%
Min Deposit$10,000
Min Balance—
UpdatedApr 12, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 36-Month Variable
$100,000
3.58%
View
▼
Rate3.52%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details

$100,000 Minimum to Earn APY

Richmond Virginia Fire Police Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
Saving Certificates 3 YEAR Cd's
$0
3.56%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Share certificate rates are for renewals only (i.e. no new certificates effective 03/18/20).

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
IRA Certificates 36 Month
$0
3.55%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
IRA Certificates 3 Year Term
$0
3.50%
View
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
36 month certificate
$50,000
3.40%
View
▼
Rate3.35%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
36 Month Certificate of Deposit (IRA)
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
Share Certificate Accounts 36 Month
$0
3.29%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Regular Accounts

American Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
36 Month IRA and Share Certificates
$1,000
3.25%
View
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Promotional Certificate of Deposit 36-Month Bump Up
$0
3.20%
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Credit Union of Richmond
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
36 Month Share/IRA Certificate
$0
3.03%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
Savings and IRA 3 Year Certificate
$0
3.00%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
36-month term Certificates (CDs)
$0
2.75%
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
36 month Certificate Account
$0
2.65%
View
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Connects Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.74%
3 Year Certificate
$0
2.62%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Farmers Bank of Appomattox
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
Jumbo CDs 3 Year
$100,000
2.55%
View
▼
Rate2.49%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details

InFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
3 Year - Certificate or IRA Certificate
$1,000
2.52%
View
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Presidential Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
3 Year CD
$1,000
2.50%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

All CD rates may change at any time without prior notice. After your CD is opened, the interest rate is fixed for the term. A penalty is imposed for early withdrawal. Fees could reduce earnings.

First National Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
3 Year Fixed IRA
$100
2.27%
View
▼
Rate2.25%
Min Deposit$100
Min Balance—
UpdatedApr 12, 2026
Details

FNB Bank, Inc. Romney, WV
Institution Rating:
A5.0 ★Texas Ratio: 13.45%
36 MONTH CD
$1,000
2.25%
View
▼
Rate2.23%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Chesapeake Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
3 year Certificate
$0
2.15%
View
▼
Rate2.13%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

$1,000 minimum balance

Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
36-month Share Certificates
$0
2.06%
View
▼
Rate2.04%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Premier / Select Relationship

Central Virginia Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.27%
36 Month Preferred Certificates
$0
2.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Virginia Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
36 Month Share Certificate Account
$1,000
1.86%
View
▼
Rate1.85%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

The Blue Grass Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
36 Month Certificate of Deposit
$500
1.75%
View
▼
Rate1.74%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
CDs and IRAs 3 Year
$0
1.25%
View
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Freedom First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
36-Month Business Certificate
$500
1.00%
View
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

KEMBA ROANOKE
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
3 Year Share Certificates
$500
0.90%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Additional Deposits not allowed; Withdrawals allowed; Dividends compounded and credited monthly; Penalties may apply for early withdrawal; Refer to the Member Account Agreement for the Truth in Savings Disclosure related to these accounts.; Rates subject to change without notice. Minimum deposit required to earn dividends varies, please speak to a member representative for more information

Bank of Botetourt
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
3 Year IRA
$100
0.85%
View
▼
Rate0.85%
Min Deposit$100
Min Balance—
UpdatedApr 12, 2026
Details

Summit Hampton Roads Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.11%
IRA/Share Certificates 36 Month
$1,000
0.80%
View
▼
Rate0.80%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

ValleyStar Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.99%
36 month Certificates (Business & Consumer)
$0
0.40%
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
Share & IRA Share Certificates (48 month term)
$0
3.87%
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 48 Month
$0
3.76%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
48 Month Share & IRA Certificate Platinum
$0
3.70%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
IRA Certificates - 48 month
$0
3.66%
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
4-year term
$500
3.61%
View
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.60%
4 Year Certificate
$1,000
3.60%
View
▼
Rate3.53%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.33%
48 Month Certificate
$0
3.58%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
48-month Fixed Rate Share Certificates
$1,000
3.55%
View
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
IRA Certificates 4 Year Term
$0
3.50%
View
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
48 month certificate
$50,000
3.40%
View
▼
Rate3.35%
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
48 Month Certificate of Deposit (IRA)
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Credit Union of Richmond
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
48 Month Share/IRA Certificate
$0
3.29%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Democracy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
48 Month Certificate
$0
3.25%
View
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
48 month Share Certificate
$100,000
3.21%
View
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details

General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
Savings and IRA 4 Year Certificate
$0
3.00%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
48-month term Certificates (CDs)
$0
2.90%
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
48 month Certificate Account
$0
2.75%
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Bronco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.34%
48-Month Share Certificate
$0
2.70%
View
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

FNB Bank, Inc. Romney, WV
Institution Rating:
A5.0 ★Texas Ratio: 13.45%
48 MONTH CD
$1,000
2.65%
View
▼
Rate2.62%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

InFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
4 Year - Certificate or IRA Certificate
$1,000
2.42%
View
▼
Rate2.40%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

First National Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
4 Year Fixed IRA
$100
2.27%
View
▼
Rate2.25%
Min Deposit$100
Min Balance—
UpdatedApr 12, 2026
Details

Northern Star Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
4-Year Certificates of Deposit (CDs)
$1,000
2.25%
View
▼
Rate2.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Minimum balance required is $1,000.

Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
48-month Share Certificates
$0
2.06%
View
▼
Rate2.04%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Premier / Select Relationship

Virginia Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
48 Month Share Certificate Account
$1,000
1.86%
View
▼
Rate1.85%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
CDs and IRAs 4 Year
$0
1.35%
View
▼
Rate1.35%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Freedom First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
48-Month Business Certificate
$500
1.05%
View
▼
Rate1.04%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Certificate of Deposit 48-Month
$0
1.01%
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Bank of Botetourt
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
4 year IRA
$100
1.00%
View
▼
Rate1.00%
Min Deposit$100
Min Balance—
UpdatedApr 12, 2026
Details

ValleyStar Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.99%
48 month Certificates (Business & Consumer)
$0
0.42%
View
▼
Rate0.42%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
Share & IRA Share Certificate (60 month term)
$0
3.97%
View
▼
Rate3.90%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
Bonus Certificates 60 Month
$0
3.76%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.89%
60 Month Share & IRA Certificate Platinum
$0
3.75%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Apple Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.37%
Jumbo and Jumbo IRA Certificate 60 Month
$0
3.70%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
IRA Certificates - 60 month
$0
3.66%
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.60%
5 Year Certificate
$1,000
3.65%
View
▼
Rate3.58%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.75%
Fixed-Rate Jumbo 5-year term
$100,000
3.61%
View
▼
Rate3.55%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details

Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.92%
Jumbo Fixed Rate Share Certificates 60-month
$10,000
3.60%
View
▼
Rate3.55%
Min Deposit$10,000
Min Balance—
UpdatedApr 12, 2026
Details

Credit Union of Richmond
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
60 Month Share/IRA Certificate
$0
3.55%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
IRA Certificates 5 Year Term
$0
3.50%
View
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.74%
60 month certificate
$5,000
3.41%
View
▼
Rate3.36%
Min Deposit$5,000
Min Balance—
UpdatedApr 12, 2026
Details

Homebase Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
Share Certificate / IRA Certificate 60 Month
$0
3.40%
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
60 Month Certificate of Deposit (IRA)
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
60 month Share Certificate
$100,000
3.21%
View
▼
Rate3.17%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
60-month term Certificates (CDs)
$0
3.10%
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

General Electric Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.21%
Savings and IRA 5 Year Certificate
$0
3.00%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Bronco Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.34%
60-Month Share Certificate
$0
2.90%
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.02%
60 month Certificate Account
$0
2.85%
View
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Chesapeake Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
5 year Certificate
$0
2.75%
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

$1,000 minimum balance

Loudoun Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
60-Month Roth IRA Certificates
$0
2.52%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Presidential Bank
Institution Rating:
A5.0 ★Texas Ratio: 9.69%
5 Year CD
$1,000
2.50%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

All CD rates may change at any time without prior notice. After your CD is opened, the interest rate is fixed for the term. A penalty is imposed for early withdrawal. Fees could reduce earnings.

InFirst Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
5 Year - Certificate or IRA Certificate
$1,000
2.42%
View
▼
Rate2.40%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Farmers Bank of Appomattox
Institution Rating:
A+5.0 ★Texas Ratio: 5.70%
5 Year Jumbo IRA
$100,000
2.40%
View
▼
Rate2.35%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details

First National Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 2.62%
5 Year Fixed IRA
$100
2.27%
View
▼
Rate2.25%
Min Deposit$100
Min Balance—
UpdatedApr 12, 2026
Details

The Blue Grass Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
60 Month Certificate of Deposit
$500
2.25%
View
▼
Rate2.24%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Newport News Shipbuilding Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
60-month Share Certificates
$0
2.06%
View
▼
Rate2.04%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Premier / Select Relationship

Virginia Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
60 Month Share Certificate Account
$1,000
1.86%
View
▼
Rate1.85%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

URW Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.37%
5 Year Share Certificates (Share & IRA)
$1,000
1.56%
View
▼
Rate1.55%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
CDs and IRAs 5 Year
$0
1.51%
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Bank of Botetourt
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
5 year IRA
$100
1.10%
View
▼
Rate1.10%
Min Deposit$100
Min Balance—
UpdatedApr 12, 2026
Details

Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.98%
Certificate of Deposit 60-Month
$0
1.01%
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

ValleyStar Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.99%
60 month Certificates (Business & Consumer)
$0
0.55%
View
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

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.

Galax, VA CD Rate Trends

Compare local Galax, 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
2.349%
▼ 0.469 vs 7 days ago

Virginia 12-month CD rates fell 0.469 points over the past 7 days to 2.349% APY.

6-Month CD — VA Avg
2.325%
▼ 0.194 vs 7 days ago

Virginia 6-month CD rates fell 0.194 points over the past 7 days to 2.325% APY.

As of Apr 12, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about CD Rates in Galax, Virginia

Are CD rates in Galax, Virginia FDIC insured?

Yes, most established banks in Galax, 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 Galax, 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 Galax, 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 Galax, 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 Galax, Virginia?

Here are recent top rates found for this area:
  • Self-Help Credit Union: 3.82% APY (1-year Certificate)
  • Wells Fargo: 1.51% APY (1 year Standard Fixed Rate CD)
  • First Citizens Bank: 0.01% APY (6-month automatic saver CD)
  • Apple Federal Credit Union: 4.50% APY (12-Month Starter Certificate)
  • Autotruck Financial Credit Union: 4.06% APY (Share Certificate Accounts 6 Month)
  • Loudoun Credit Union: 4.06% APY (24-Month Roth IRA Certificates)
  • Partners 1st Federal Credit Union: 4.00% APY (12-Month Savings Certificate Special)
  • Justice Federal Credit Union: 4.00% APY (36 month Share Certificate)
  • Vantage Point Federal Credit Union: 3.97% APY (Share & IRA Share Certificate (60 month term))
  • EagleBank: 3.95% APY (12 Month CD)
Rates reflect recent verified offers available in Galax, Virginia. Last Updated: April 12, 2026

CD Calculators

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Methodology & Data Sources

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Galax, 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 pulling data straight 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 Galax, 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: April 12, 2026

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