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CD Rate Trends

Massies Mill, Virginia Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
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Brian McKay

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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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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

Massies Mill, Virginia CD rates from banks and credit unions serving Virginia range from 1.50% to 6.00% APY, verified by MonitorBankRates as of October 23, 2026. Current Massies Mill, Virginia CD rates include Congressional Federal Credit UnionCongressional Federal Credit UnionA5.0 ★Texas Ratio: 8.63%Real return: +2.30%APY minus CPIRate verified Oct 23, 2026 offering Share Certificate - Flexible Saver - 1 Year Certificate at 6.00% APY, Truliant Federal Credit UnionTruliant Federal Credit UnionA5.0 ★Texas Ratio: 6.43%Real return: +1.30%APY minus CPIRate verified Oct 20, 2026 offering Limited-Time 12 Month Term (new external funds required) at 5.00% APY, Apple Federal Credit UnionApple Federal Credit UnionA+5.0 ★Texas Ratio: 2.85%Real return: +1.30%APY minus CPIRate verified Oct 20, 2026 offering 12-Month Starter Certificate at 5.00% APY, Beach Municipal Federal Credit UnionBeach Municipal Federal Credit UnionA+5.0 ★Texas Ratio: 2.63%Real return: +1.30%APY minus CPIRate verified Oct 23, 2026 offering 60 Month Youth Share Certificate at 5.00% APY, and Skyla Federal Credit UnionSkyla Federal Credit UnionA5.0 ★Texas Ratio: 9.56%Real return: +1.05%APY minus CPIRate verified Oct 19, 2026 offering 48 Month Elite Jumbo CD at 4.75% APY. CD rates as of October 23, 2026 according to verified data from MonitorBankRates.

Massies Mill is a smaller community with no bank or credit union branches currently in our database. 735 institutions serving the Virginia area are available to Massies Mill residents, with CD rates as high as 6.00% APY from Congressional Federal Credit Union. 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 Massies Mill, Virginia & the Surrounding Area

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Massies Mill 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
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
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
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
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
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
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%
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
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
University of Virginia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
3 Month Business Certificate
$500
2.25% ▲ 0.56% above Virginia avg
View
▼
Rate2.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average1.69%▲ 0.56% above avgNationally 2.13%
Details

Compounding: N/A

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 5 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 25, 2026
University of Virginia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
3 Month IRA Certificate
$500
2.25% ▲ 0.56% above Virginia avg
View
▼
Rate2.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average1.69%▲ 0.56% above avgNationally 2.13%
Details

Compounding: Monthly; Traditional, Roth, SEP IRA and Coverdell ESA Certificate; Penalty for early withdrawal applies

Rate History
No change since Oct 13, 2026 · 2.25% APY · checked 2 times
1.75%2.25%2.75%Oct 13, 2026: 2.25% APYOct 13, 2026Oct 25, 2026
University of Virginia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
Certificates - 3-Months
$500
2.25% ▲ 0.56% above Virginia avg
View
▼
Rate2.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average1.69%▲ 0.56% above avgNationally 2.13%
Details

Compounding: N/A; Effective 5/02/2026

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 6 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 25, 2026
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Certificate Account - 3 Month
$0
2.10% ▲ 0.41% above Virginia avg
View
▼
Rate2.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average1.69%▲ 0.41% above avgNationally 2.13%
Details

Rate History
No change since Oct 14, 2026 · 2.10% APY · checked 2 times
1.60%2.10%2.60%Oct 14, 2026: 2.10% APYOct 14, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3 Month TD Choice CD
$250
2.00% ▲ 0.31% above Virginia avg
View
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average1.69%▲ 0.31% above avgNationally 2.13%
Details

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

Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Oct 20, 2026: 2.00% APYOct 20, 2026Oct 25, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
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
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3 Month TD Choice CD
$250
1.99% ▲ 0.30% above Virginia avg
View
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average1.69%▲ 0.30% above avgNationally 2.13%
Details

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

Rate History
No change since Oct 20, 2026 · 1.99% APY · checked 2 times
1.49%1.99%2.49%Oct 20, 2026: 1.99% APYOct 20, 2026Oct 25, 2026
Freedom Bank of Virginia
Institution Rating:
C+4.2 ★Texas Ratio: 24.99%
3 Month Certificate
$500
1.65% ▼ 0.04% below Virginia avg
View
▼
Rate1.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average1.69%▼ 0.04% below avgNationally 2.13%
Details

Rate History
No change since Sep 9, 2026 · 1.65% APY · checked 12 times
1.15%1.65%2.15%Sep 9, 2026: 1.65% APYSep 9, 2026Oct 25, 2026
Freedom Bank of Virginia
Institution Rating:
C+4.2 ★Texas Ratio: 24.99%
Single Deposit IRA - 3 Month Certificate
$500
1.65% ▼ 0.04% below Virginia avg
View
▼
Rate1.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average1.69%▼ 0.04% below avgNationally 2.13%
Details

Rate History
No change since Oct 14, 2026 · 1.65% APY · checked 4 times
1.15%1.65%2.15%Oct 14, 2026: 1.65% APYOct 14, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
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%
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
Chain Bridge Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificates Of Deposit - 3 Months
$500
1.50% ▼ 0.19% below Virginia avg
View
▼
Rate1.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average1.69%▼ 0.19% below avgNationally 2.13%
Details

Rate History
No change since Sep 8, 2026 · 1.50% APY · checked 7 times
1.00%1.50%2.00%Sep 8, 2026: 1.50% APYSep 8, 2026Oct 25, 2026

Massies Mill 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
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
SFGI Direct
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
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
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
Salem VA Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
6 Month Certificate
$50,000
3.95% ▲ 1.32% above Virginia avg
View
▼
Rate3.88%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.63%▲ 1.32% above avgNationally 2.78%
Details

Rate History
No change since Oct 22, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 22, 2026: 3.95% APYOct 22, 2026Oct 25, 2026
Salem VA Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
6 Month Certificate
$10,000
3.90% ▲ 1.27% above Virginia avg
View
▼
Rate3.83%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.63%▲ 1.27% above avgNationally 2.78%
Details

Rate History
No change since Oct 22, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 22, 2026: 3.90% APYOct 22, 2026Oct 25, 2026
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.32%
6 Month Term Share Certificate
$1,000
3.89% ▲ 1.26% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.63%▲ 1.26% above avgNationally 2.78%
Details

Rates effective as of October 1, 2026; Minimum balance of $1,000.00 required to open the account and obtain the advertised APY

Rate History
No change since Oct 15, 2026 · 3.89% APY · checked 2 times
3.39%3.89%4.39%Oct 15, 2026: 3.89% APYOct 15, 2026Oct 25, 2026
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
6 Month Share Certificate
$500
3.87% ▲ 1.24% above Virginia avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.63%▲ 1.24% above avgNationally 2.78%
Details

Balance: $250,000-$999,999; Minimum $500 deposit required for certificate accounts

Rate History
No change since Sep 14, 2026 · 3.87% APY · checked 7 times
3.37%3.87%4.37%Sep 14, 2026: 3.87% APYSep 14, 2026Oct 25, 2026
MainStreet Bank
Institution Rating:
B-4.4 ★Texas Ratio: 22.15%
Certificate of Deposit - 6 Month
$500
3.85% ▲ 1.22% above Virginia avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average2.63%▲ 1.22% above avgNationally 2.78%
Details

Minimum to Open and Obtain APY: $500; rates current as of October 22, 2026

Rate History
No change since Sep 9, 2026 · 3.85% APY · checked 10 times
3.35%3.85%4.35%Sep 9, 2026: 3.85% APYSep 9, 2026Oct 25, 2026
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
6 month Certificate
$0
3.85% ▲ 1.22% above Virginia avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.63%▲ 1.22% above avgNationally 2.78%
Details

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

Rate History
No change since Oct 15, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 15, 2026: 3.85% APYOct 15, 2026Oct 25, 2026
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
6 month IRA Certificate
$0
3.85% ▲ 1.22% above Virginia avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.63%▲ 1.22% above avgNationally 2.78%
Details

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

Rate History
No change since Oct 15, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 15, 2026: 3.85% APYOct 15, 2026Oct 25, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
6 Month Share Certificate
$500
3.85% ▲ 1.22% above Virginia avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.63%▲ 1.22% above avgNationally 2.78%
Details

Rate Effective Date: October 23, 2026

Rate History
1 change since Oct 5, 2026 · 3.50% → 3.85% ▲ 0.35 pts · high 3.85% / low 3.50%
3.00%3.68%4.35%Oct 5, 2026: 3.50% APYOct 13, 2026: 3.85% APYOct 5, 2026Oct 25, 2026
  • Oct 13, 20263.85%▲ from 3.50%
  • Oct 5, 20263.50%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
6 Month Share Certificates
$500
3.82% ▲ 1.19% above Virginia avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.63%▲ 1.19% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 7 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 25, 2026
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Business Share Certificate - 6 Months
$500
3.82% ▲ 1.19% above Virginia avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.63%▲ 1.19% above avgNationally 2.78%
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 · 4.25% → 3.82% ▼ 0.43 pts · high 4.25% / low 3.82%
3.32%4.04%4.75%Oct 4, 2026: 4.25% APYOct 12, 2026: 3.82% APYOct 4, 2026Oct 25, 2026
  • Oct 12, 20263.82%▼ from 4.25%
  • Oct 4, 20264.25%first recorded
NY FIREFIGHTERS BRAVEST
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
Certificate 6 Month
$500
3.82% ▲ 1.19% above Virginia avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average2.63%▲ 1.19% above avgNationally 2.78%
Details

Share Certificate Accounts; Early redemption fee applies

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 10 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 25, 2026
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
WooriWON Certificate of Deposit (CD) - 6 Months
$1,000
3.75% ▲ 1.12% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.63%▲ 1.12% above avgNationally 2.78%
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 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 25, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
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%
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
Department of The Interior Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.40%
6 Month Certificate
$0
3.71% ▲ 1.08% above Virginia avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.63%▲ 1.08% above avgNationally 2.78%
Details

Rate History
No change since Oct 4, 2026 · 3.71% APY · checked 4 times
3.21%3.71%4.21%Oct 4, 2026: 3.71% APYOct 4, 2026Oct 25, 2026
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
6 Month Certificate - Platinum
$500
3.70% ▲ 1.07% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.63%▲ 1.07% above avgNationally 2.78%
Details

Platinum APY

Rate History
No change since Oct 12, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Oct 12, 2026: 3.70% APYOct 12, 2026Oct 25, 2026
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
Share & IRA Certificates - 6 Month - Platinum
$500
3.70% ▲ 1.07% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.63%▲ 1.07% above avgNationally 2.78%
Details

Platinum APY*; Minimum to earn dividends $500; Rates effective April 17, 2026

Rate History
No change since Oct 12, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Oct 12, 2026: 3.70% APYOct 12, 2026Oct 25, 2026
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
IRA Certificate - 6 Months (Reg/Roth/Educ)
$100,000
3.70% ▲ 1.07% above Virginia avg
View
▼
Rate3.64%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.63%▲ 1.07% above avgNationally 2.78%
Details

Rate History
1 change since Sep 18, 2026 · 3.25% → 3.70% ▲ 0.45 pts · high 3.70% / low 3.25%
2.75%3.48%4.20%Sep 18, 2026: 3.25% APYSep 25, 2026: 3.70% APYSep 18, 2026Oct 25, 2026
  • Sep 25, 20263.70%▲ from 3.25%
  • Sep 18, 20263.25%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificate - 6 Month
$0
3.66% ▲ 1.03% above Virginia avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.63%▲ 1.03% above avgNationally 2.78%
Details

Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal

Rate History
No change since Oct 23, 2026 · 3.66% APY
3.16%3.66%4.16%Oct 23, 2026: 3.66% APYOct 23, 2026Oct 25, 2026
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
Certificate - 6 Months
$100,000
3.65% ▲ 1.02% above Virginia avg
View
▼
Rate3.59%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.63%▲ 1.02% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.20% → 3.65% ▲ 0.45 pts · high 3.65% / low 3.20%
2.70%3.43%4.15%Sep 14, 2026: 3.20% APYSep 25, 2026: 3.65% APYSep 14, 2026Oct 25, 2026
  • Sep 25, 20263.65%▲ from 3.20%
  • Sep 14, 20263.20%first recorded
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
IRA Certificate - 6 Months (Reg/Roth/Educ)
$1,000
3.65% ▲ 1.02% above Virginia avg
View
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.63%▲ 1.02% above avgNationally 2.78%
Details

Rate History
1 change since Sep 18, 2026 · 3.20% → 3.65% ▲ 0.45 pts · high 3.65% / low 3.20%
2.70%3.43%4.15%Sep 18, 2026: 3.20% APYSep 25, 2026: 3.65% APYSep 18, 2026Oct 25, 2026
  • Sep 25, 20263.65%▲ from 3.20%
  • Sep 18, 20263.20%first recorded
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
6 Month Jumbo Certificate
$0
3.64% ▲ 1.01% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.63%▲ 1.01% above avgNationally 2.78%
Details

Share Certificates; Minimum Balances of $100,000

Rate History
No change since Sep 25, 2026 · 3.64% APY · checked 5 times
3.14%3.64%4.14%Sep 25, 2026: 3.64% APYSep 25, 2026Oct 25, 2026
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
Jumbo Certificate - 6 Months
$0
3.64% ▲ 1.01% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.63%▲ 1.01% above avgNationally 2.78%
Details

Jumbo Certificate (Minimum Balances of $100,000); Early withdrawal penalties may apply

Rate History
No change since Sep 25, 2026 · 3.64% APY · checked 5 times
3.14%3.64%4.14%Sep 25, 2026: 3.64% APYSep 25, 2026Oct 25, 2026
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
6 Month Certificate
$500
3.60% ▲ 0.97% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.63%▲ 0.97% above avgNationally 2.78%
Details

Rate History
No change since Sep 25, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 25, 2026: 3.60% APYSep 25, 2026Oct 25, 2026
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
Share & IRA Certificates - 6 Month
$500
3.60% ▲ 0.97% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.63%▲ 0.97% above avgNationally 2.78%
Details

Minimum to earn dividends $500; Rates effective April 17, 2026

Rate History
No change since Sep 20, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 20, 2026: 3.60% APYSep 20, 2026Oct 25, 2026
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
Share Certificate - Jumbo - 6 Month Certificate
$100,000
3.60% ▲ 0.97% above Virginia avg
View
▼
Rate3.53%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.63%▲ 0.97% above avgNationally 2.78%
Details

Jumbo; Rates effective as of 10/22/2026

Rate History
No change since Oct 23, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 23, 2026: 3.60% APYOct 23, 2026Oct 25, 2026
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
Certificate - 6 Months
$1,000
3.60% ▲ 0.97% above Virginia avg
View
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.63%▲ 0.97% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.15% → 3.60% ▲ 0.45 pts · high 3.60% / low 3.15%
2.65%3.38%4.10%Sep 14, 2026: 3.15% APYSep 25, 2026: 3.60% APYSep 14, 2026Oct 25, 2026
  • Sep 25, 20263.60%▲ from 3.15%
  • Sep 14, 20263.15%first recorded

Massies Mill 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
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
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
Limited-Time 12 Month Term (new external funds required)
$0
5.00% ▲ 1.94% above Virginia avg
View
▼
Rate4.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average3.06%▲ 1.94% above avgNationally 2.99%
Details

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

Rate History
No change since Oct 7, 2026 · 5.00% APY · checked 3 times
4.50%5.00%5.50%Oct 7, 2026: 5.00% APYOct 7, 2026Oct 25, 2026
Apple Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
12-Month Starter Certificate
$50
5.00% ▲ 1.94% above Virginia avg
View
▼
RateN/A
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average3.06%▲ 1.94% above avgNationally 2.99%
Details

Add additional funds at any time up to $5,000 maximum; One Starter Certificate per membership; Maximum deposit $5,000

Rate History
No change since Sep 18, 2026 · 5.00% APY · checked 8 times
4.50%5.00%5.50%Sep 18, 2026: 5.00% APYSep 18, 2026Oct 25, 2026
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
12 Month IRA Certificates
$500
4.50% ▲ 1.44% above Virginia avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.06%▲ 1.44% above avgNationally 2.99%
Details

Early withdrawal penalties may apply

Rate History
1 change since Sep 24, 2026 · 3.75% → 4.50% ▲ 0.75 pts · high 4.50% / low 3.75%
3.00%4.13%5.25%Sep 24, 2026: 3.75% APYOct 4, 2026: 4.50% APYSep 24, 2026Oct 25, 2026
  • Oct 4, 20264.50%▲ from 3.75%
  • Sep 24, 20263.75%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
Share Certificate - 12 Month
$1,000
4.50% ▲ 1.44% above Virginia avg
View
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.06%▲ 1.44% above avgNationally 2.99%
Details

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

Rate History
No change since Oct 12, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 12, 2026: 4.50% APYOct 12, 2026Oct 25, 2026
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
12 Month CD
$1,000
4.45% ▲ 1.39% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average3.06%▲ 1.39% above avgNationally 2.99%
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 · 4.45% APY · checked 8 times
3.95%4.45%4.95%Sep 18, 2026: 4.45% APYSep 18, 2026Oct 25, 2026
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Certificate of Deposit - 12 Months
$1,000
4.45% ▲ 1.39% above Virginia avg
View
▼
Rate4.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average3.06%▲ 1.39% above avgNationally 2.99%
Details

Rate History
No change since Oct 14, 2026 · 4.45% APY · checked 2 times
3.95%4.45%4.95%Oct 14, 2026: 4.45% APYOct 14, 2026Oct 25, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
New Money CD - 12 Month
$1,000
4.40% ▲ 1.34% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average3.06%▲ 1.34% above avgNationally 2.99%
Details

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

Rate History
1 change since Sep 27, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
3.85%4.38%4.90%Sep 27, 2026: 4.35% APYOct 14, 2026: 4.40% APYSep 27, 2026Oct 25, 2026
  • Oct 14, 20264.40%▲ from 4.35%
  • Sep 27, 20264.35%first recorded
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
Special 12-Month Fixed Rate CD
$2,500
4.39% ▲ 1.33% above Virginia avg
View
▼
Rate4.30%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average3.06%▲ 1.33% above avgNationally 2.99%
Details

New money deposits required; $2,500 minimum opening deposit

Rate History
1 change since Oct 14, 2026 · 4.11% → 4.39% ▲ 0.28 pts · high 4.39% / low 4.11%
3.61%4.25%4.89%Oct 14, 2026: 4.11% APYOct 20, 2026: 4.39% APYOct 14, 2026Oct 25, 2026
  • Oct 20, 20264.39%▲ from 4.11%
  • Oct 14, 20264.11%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
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
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
Share Certificate - 12 months
$0
4.35% ▲ 1.29% above Virginia avg
View
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average3.06%▲ 1.29% above avgNationally 2.99%
Details

Effective as of October 1, 2026

Rate History
1 change since Sep 18, 2026 · 4.05% → 4.35% ▲ 0.30 pts · high 4.35% / low 4.05%
3.55%4.20%4.85%Sep 18, 2026: 4.05% APYSep 27, 2026: 4.35% APYSep 18, 2026Oct 25, 2026
  • Sep 27, 20264.35%▲ from 4.05%
  • Sep 18, 20264.05%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
12 Month Share Certificate
$0
4.35% ▲ 1.29% above Virginia avg
View
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.06%▲ 1.29% above avgNationally 2.99%
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%
12 Month Elite Jumbo CD
$250,000
4.35% ▲ 1.29% above Virginia avg
View
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.06%▲ 1.29% above avgNationally 2.99%
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
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
HSBC Wealth Center/Telephone CD - 12 Month
$1,000
4.30% ▲ 1.24% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average3.06%▲ 1.24% above avgNationally 2.99%
Details

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

Rate History
No change since Oct 20, 2026 · 4.30% APY
3.80%4.30%4.80%Oct 20, 2026: 4.30% APYOct 20, 2026Oct 25, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
Online CD - 12 Month
$1,000
4.30% ▲ 1.24% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average3.06%▲ 1.24% above avgNationally 2.99%
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 · 4.30% APY · checked 7 times
3.80%4.30%4.80%Sep 24, 2026: 4.30% APYSep 24, 2026Oct 25, 2026
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
Online Certificate of Deposit - 12 months
$1,000
4.30% ▲ 1.24% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average3.06%▲ 1.24% above avgNationally 2.99%
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 · 4.30% APY · checked 7 times
3.80%4.30%4.80%Sep 24, 2026: 4.30% APYSep 24, 2026Oct 25, 2026
SFGI Direct
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
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
Salem VA Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
12 Month Certificate
$50,000
4.30% ▲ 1.24% above Virginia avg
View
▼
Rate4.22%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.06%▲ 1.24% above avgNationally 2.99%
Details

Rate History
No change since Oct 22, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 22, 2026: 4.30% APYOct 22, 2026Oct 25, 2026
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
Share Certificate - 12 months Add-On
$0
4.25% ▲ 1.19% above Virginia avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average3.06%▲ 1.19% above avgNationally 2.99%
Details

Add-On; effective as of October 1, 2026

Rate History
No change since Oct 14, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 14, 2026: 4.25% APYOct 14, 2026Oct 25, 2026
Salem VA Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
12 Month Certificate
$1,000
4.25% ▲ 1.19% above Virginia avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.06%▲ 1.19% above avgNationally 2.99%
Details

Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 22, 2026: 4.25% APYOct 22, 2026Oct 25, 2026
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
12 month Certificate
$0
4.25% ▲ 1.19% above Virginia avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.06%▲ 1.19% above avgNationally 2.99%
Details

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

Rate History
No change since Oct 15, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 15, 2026: 4.25% APYOct 15, 2026Oct 25, 2026
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
12 month IRA Certificate
$0
4.25% ▲ 1.19% above Virginia avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.06%▲ 1.19% above avgNationally 2.99%
Details

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

Rate History
No change since Oct 15, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 15, 2026: 4.25% APYOct 15, 2026Oct 25, 2026
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
12 Month Share Certificates
$500
4.25% ▲ 1.19% above Virginia avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.06%▲ 1.19% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.05% → 4.25% ▲ 0.20 pts · high 4.25% / low 4.05%
3.55%4.15%4.75%Sep 14, 2026: 4.05% APYOct 4, 2026: 4.25% APYSep 14, 2026Oct 25, 2026
  • Oct 4, 20264.25%▲ from 4.05%
  • Sep 14, 20264.05%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Business Share Certificate - 12 Months
$500
4.25% ▲ 1.19% above Virginia avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.06%▲ 1.19% above avgNationally 2.99%
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 · 4.30% → 4.25% ▼ 0.05 pts · high 4.30% / low 4.25%
3.75%4.28%4.80%Oct 4, 2026: 4.30% APYOct 12, 2026: 4.25% APYOct 4, 2026Oct 25, 2026
  • Oct 12, 20264.25%▼ from 4.30%
  • Oct 4, 20264.30%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Share Certificate - 12 Months
$500
4.25% ▲ 1.19% above Virginia avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.06%▲ 1.19% above avgNationally 2.99%
Details

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

Rate History
No change since Oct 4, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 4, 2026: 4.25% APYOct 4, 2026Oct 25, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
12 Month Share Certificate
$500
4.25% ▲ 1.19% above Virginia avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.06%▲ 1.19% above avgNationally 2.99%
Details

Rate Effective Date: October 23, 2026

Rate History
No change since Oct 5, 2026 · 4.25% APY · checked 5 times
3.75%4.25%4.75%Oct 5, 2026: 4.25% APYOct 5, 2026Oct 25, 2026
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
Regular Certificate 1 Year
$500
4.25% ▲ 1.19% above Virginia avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.06%▲ 1.19% above avgNationally 2.99%
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%
12 Month Jumbo CD
$50,000
4.20% ▲ 1.14% above Virginia avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.06%▲ 1.14% above avgNationally 2.99%
Details

Rate History
1 change since Sep 21, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
3.35%4.03%4.70%Sep 21, 2026: 3.85% APYOct 5, 2026: 4.20% APYSep 21, 2026Oct 25, 2026
  • Oct 5, 20264.20%▲ from 3.85%
  • Sep 21, 20263.85%first recorded
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
12 Month TD Choice CD
$250
4.15% ▲ 1.09% above Virginia avg
View
▼
Rate4.07%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average3.06%▲ 1.09% above avgNationally 2.99%
Details

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

Rate History
No change since Oct 20, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 20, 2026: 4.15% APYOct 20, 2026Oct 25, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
12 Month TD Choice CD
$250
4.14% ▲ 1.08% above Virginia avg
View
▼
Rate4.06%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average3.06%▲ 1.08% above avgNationally 2.99%
Details

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

Rate History
No change since Oct 20, 2026 · 4.14% APY · checked 2 times
3.64%4.14%4.64%Oct 20, 2026: 4.14% APYOct 20, 2026Oct 25, 2026
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
12 Month Share Certificate
$500
4.13% ▲ 1.07% above Virginia avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.06%▲ 1.07% above avgNationally 2.99%
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 - 12 Months
$500
4.13% ▲ 1.07% above Virginia avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.06%▲ 1.07% above avgNationally 2.99%
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
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
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
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
12 Month Jumbo Certificate
$0
4.10% ▲ 1.04% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.06%▲ 1.04% above avgNationally 2.99%
Details

Share Certificates; Minimum Balances of $100,000

Rate History
1 change since Sep 25, 2026 · 3.84% → 4.10% ▲ 0.26 pts · high 4.10% / low 3.84%
3.34%3.97%4.60%Sep 25, 2026: 3.84% APYOct 4, 2026: 4.10% APYSep 25, 2026Oct 25, 2026
  • Oct 4, 20264.10%▲ from 3.84%
  • Sep 25, 20263.84%first recorded
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
Jumbo Certificate - 12 Months
$0
4.10% ▲ 1.04% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.06%▲ 1.04% above avgNationally 2.99%
Details

Jumbo Certificate (Minimum Balances of $100,000); Early withdrawal penalties may apply

Rate History
1 change since Sep 25, 2026 · 3.84% → 4.10% ▲ 0.26 pts · high 4.10% / low 3.84%
3.34%3.97%4.60%Sep 25, 2026: 3.84% APYOct 4, 2026: 4.10% APYSep 25, 2026Oct 25, 2026
  • Oct 4, 20264.10%▲ from 3.84%
  • Sep 25, 20263.84%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
1 Year IRA Traditional & Roth CD
$500
4.10% ▲ 1.04% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.06%▲ 1.04% above avgNationally 2.99%
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 13, 2026: 4.10% APYSep 21, 2026Oct 25, 2026
  • Oct 13, 20264.10%▲ from 3.75%
  • Sep 21, 20263.75%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
12 Month Regular CD
$500
4.10% ▲ 1.04% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.06%▲ 1.04% above avgNationally 2.99%
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
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.32%
12 Month Term Share Certificate
$1,000
4.08% ▲ 1.02% above Virginia avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.06%▲ 1.02% above avgNationally 2.99%
Details

Rates effective as of October 1, 2026; Minimum balance of $1,000.00 required to open the account and obtain the advertised APY

Rate History
No change since Oct 15, 2026 · 4.08% APY · checked 2 times
3.58%4.08%4.58%Oct 15, 2026: 4.08% APYOct 15, 2026Oct 25, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificate - 12 Month
$0
4.07% ▲ 1.01% above Virginia avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.06%▲ 1.01% above avgNationally 2.99%
Details

Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal

Rate History
No change since Oct 23, 2026 · 4.07% APY
3.57%4.07%4.57%Oct 23, 2026: 4.07% APYOct 23, 2026Oct 25, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 12 Month
$0
4.07% ▲ 1.01% above Virginia avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.06%▲ 1.01% above avgNationally 2.99%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty will or may be imposed

Rate History
3 changes since Sep 14, 2026 · 3.95% → 4.07% ▲ 0.12 pts · high 4.07% / low 3.95%
3.45%4.01%4.57%Sep 14, 2026: 3.95% APYSep 25, 2026: 3.97% APYOct 5, 2026: 4.02% APYOct 15, 2026: 4.07% APYSep 14, 2026Oct 25, 2026
  • Oct 15, 20264.07%▲ from 4.02%
  • Oct 5, 20264.02%▲ from 3.97%
  • Sep 25, 20263.97%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
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%
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
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
12 Month IRA Certificate
$0
4.05% ▲ 0.99% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.06%▲ 0.99% above avgNationally 2.99%
Details

Minimum balance $500; IRA Certificate; early withdrawal penalty applies

Rate History
1 change since Sep 25, 2026 · 3.79% → 4.05% ▲ 0.26 pts · high 4.05% / low 3.79%
3.29%3.92%4.55%Sep 25, 2026: 3.79% APYOct 4, 2026: 4.05% APYSep 25, 2026Oct 25, 2026
  • Oct 4, 20264.05%▲ from 3.79%
  • Sep 25, 20263.79%first recorded
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
12 Month Certificate
$1,000
4.05% ▲ 0.99% above Virginia avg
View
▼
Rate3.98%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.06%▲ 0.99% above avgNationally 2.99%
Details

Paid monthly

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.05% ▲ 0.55 pts · high 4.05% / low 3.50%
2.95%3.78%4.60%Sep 14, 2026: 3.50% APYOct 5, 2026: 4.05% APYSep 14, 2026Oct 25, 2026
  • Oct 5, 20264.05%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
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%
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
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
1-year online CDs
$0
4.00% ▲ 0.94% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average3.06%▲ 0.94% above avgNationally 2.99%
Details

Online CD

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 25, 2026
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
12 Month 360 CD
$0
4.00% ▲ 0.94% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average3.06%▲ 0.94% above avgNationally 2.99%
Details

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
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
Bank of Botetourt
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
Certificate of Deposit 12 Month Special
$2,500
4.00% ▲ 0.94% above Virginia avg
View
▼
Rate3.94%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average3.06%▲ 0.94% above avgNationally 2.99%
Details

Interest compounded and paid quarterly; penalty for early withdrawal; 12-month CD offer valid for consumer and commercial customers with or without a full relationship

Rate History
1 change since Sep 24, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
3.30%3.90%4.50%Sep 24, 2026: 3.80% APYOct 3, 2026: 4.00% APYSep 24, 2026Oct 25, 2026
  • Oct 3, 20264.00%▲ from 3.80%
  • Sep 24, 20263.80%first recorded

Massies Mill 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
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
SFGI Direct
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
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
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
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
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
Oak View National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
18 Month CD
$0
4.15% ▲ 0.94% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.21%▲ 0.94% above avgNationally 2.88%
Details

Fall Into Savings promotional CD

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 10 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 25, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
18 Month IRA Traditional & Roth CD
$500
4.15% ▲ 0.94% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.21%▲ 0.94% above avgNationally 2.88%
Details

Rate History
1 change since Sep 21, 2026 · 3.80% → 4.15% ▲ 0.35 pts · high 4.15% / low 3.80%
3.30%3.98%4.65%Sep 21, 2026: 3.80% APYOct 13, 2026: 4.15% APYSep 21, 2026Oct 25, 2026
  • Oct 13, 20264.15%▲ from 3.80%
  • Sep 21, 20263.80%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
18 Month Regular CD
$500
4.15% ▲ 0.94% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.21%▲ 0.94% above avgNationally 2.88%
Details

Rate History
1 change since Sep 21, 2026 · 3.80% → 4.15% ▲ 0.35 pts · high 4.15% / low 3.80%
3.30%3.98%4.65%Sep 21, 2026: 3.80% APYOct 5, 2026: 4.15% APYSep 21, 2026Oct 25, 2026
  • Oct 5, 20264.15%▲ from 3.80%
  • Sep 21, 20263.80%first recorded
Marine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
18 Month Share Certificate
$1,000
4.13% ▲ 0.92% above Virginia avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.21%▲ 0.92% above avgNationally 2.88%
Details

Standard APY ($1,000 Min); Renewal: Automatic Renewal

Rate History
No change since Oct 22, 2026 · 4.13% APY · checked 2 times
3.63%4.13%4.63%Oct 22, 2026: 4.13% APYOct 22, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
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
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
18 Month Certificate
$1,000
4.10% ▲ 0.89% above Virginia avg
View
▼
Rate4.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.21%▲ 0.89% above avgNationally 2.88%
Details

Paid monthly

Rate History
1 change since Sep 14, 2026 · 3.45% → 4.10% ▲ 0.65 pts · high 4.10% / low 3.45%
2.80%3.78%4.75%Sep 14, 2026: 3.45% APYOct 5, 2026: 4.10% APYSep 14, 2026Oct 25, 2026
  • Oct 5, 20264.10%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
Chesapeake Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
18 Month Certificate
$0
4.00% ▲ 0.79% above Virginia avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average3.21%▲ 0.79% above avgNationally 2.88%
Details

Certificate ($1,000 minimum balance)

Rate History
No change since Sep 8, 2026 · 4.00% APY · checked 10 times
3.50%4.00%4.50%Sep 8, 2026: 4.00% APYSep 8, 2026Oct 25, 2026
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
Share Certificate - 18 Month Maturity
$1,000
4.00% ▲ 0.79% above Virginia avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.21%▲ 0.79% above avgNationally 2.88%
Details

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
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
IRA Term Certificate - 18 Months
$0
3.98% ▲ 0.77% above Virginia avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average3.21%▲ 0.77% above avgNationally 2.88%
Details

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

Rate History
No change since Oct 22, 2026 · 3.98% APY
3.48%3.98%4.48%Oct 22, 2026: 3.98% APYOct 22, 2026Oct 25, 2026
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
Term Certificate - 18 Months
$0
3.98% ▲ 0.77% above Virginia avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average3.21%▲ 0.77% above avgNationally 2.88%
Details

Effective Date: October 1, 2026

Rate History
1 change since Sep 15, 2026 · 3.77% → 3.98% ▲ 0.21 pts · high 3.98% / low 3.77%
3.27%3.88%4.48%Sep 15, 2026: 3.77% APYOct 22, 2026: 3.98% APYSep 15, 2026Oct 25, 2026
  • Oct 22, 20263.98%▲ from 3.77%
  • Sep 15, 20263.77%first recorded
MainStreet Bank
Institution Rating:
B-4.4 ★Texas Ratio: 22.15%
Certificate of Deposit - 18 Month
$500
3.90% ▲ 0.69% above Virginia avg
View
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average3.21%▲ 0.69% above avgNationally 2.88%
Details

Minimum to Open and Obtain APY: $500; rates current as of October 22, 2026

Rate History
No change since Sep 9, 2026 · 3.90% APY · checked 10 times
3.40%3.90%4.40%Sep 9, 2026: 3.90% APYSep 9, 2026Oct 25, 2026
Homebase Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
18 Month Share Certificate
$2,500
3.87% ▲ 0.66% above Virginia avg
View
▼
Rate3.80%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.21%▲ 0.66% above avgNationally 2.88%
Details

Rates effective as of 10/15/2026; Dividend Rate with APY; minimum balance of $2,500.00 to open and earn dividends; early withdrawal penalty is 180 days of dividends

Rate History
1 change since Sep 17, 2026 · 3.66% → 3.87% ▲ 0.21 pts · high 3.87% / low 3.66%
3.16%3.77%4.37%Sep 17, 2026: 3.66% APYOct 23, 2026: 3.87% APYSep 17, 2026Oct 25, 2026
  • Oct 23, 20263.87%▲ from 3.66%
  • Sep 17, 20263.66%first recorded
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
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%
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
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.99%
Share and IRA Certificate - 18 Month
$500
3.85% ▲ 0.64% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.21%▲ 0.64% above avgNationally 2.88%
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 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Oct 13, 2026: 3.85% APYOct 13, 2026Oct 25, 2026
Beach Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
18 Month Share Certificate
$0
3.82% ▲ 0.61% above Virginia avg
View
▼
Rate3.77%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.21%▲ 0.61% above avgNationally 2.88%
Details

Effective Date: January 27, 2026

Rate History
No change since Sep 21, 2026 · 3.82% APY · checked 6 times
3.32%3.82%4.32%Sep 21, 2026: 3.82% APYSep 21, 2026Oct 25, 2026
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
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
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
Share Certificate - 18 months
$500
3.80% ▲ 0.59% above Virginia avg
View
▼
Rate3.73%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.21%▲ 0.59% above avgNationally 2.88%
Details

Dividend Rate 3.73%; Dividends compounded and credited quarterly; penalty for early withdrawal

Rate History
No change since Sep 25, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 25, 2026: 3.80% APYSep 25, 2026Oct 25, 2026
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
IRA Certificate - 18 Months (Reg/Roth/Educ)
$1,000
3.80% ▲ 0.59% above Virginia avg
View
▼
Rate3.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.21%▲ 0.59% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.05% → 3.80% ▲ 0.75 pts · high 3.80% / low 3.05%
2.30%3.43%4.55%Sep 18, 2026: 3.05% APYSep 25, 2026: 3.80% APYSep 18, 2026Oct 25, 2026
  • Sep 25, 20263.80%▲ from 3.05%
  • Sep 18, 20263.05%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
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%
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%
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%
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%
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
Armed Forces Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.81%
Certificate of Deposit 18-Month
$500
3.75% ▲ 0.54% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average3.21%▲ 0.54% above avgNationally 2.88%
Details

Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 25, 2026
PWC Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
18 Month IRA Certificate
$0
3.72% ▲ 0.51% above Virginia avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.21%▲ 0.51% above avgNationally 2.88%
Details

Dividends paid as of 09/30/2026; Rates effective 09/01/2026; Early withdrawal penalty may apply

Rate History
No change since Sep 18, 2026 · 3.72% APY · checked 6 times
3.22%3.72%4.22%Sep 18, 2026: 3.72% APYSep 18, 2026Oct 25, 2026
PWC Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
Share Certificate - 18 mos term
$0
3.72% ▲ 0.51% above Virginia avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.21%▲ 0.51% above avgNationally 2.88%
Details

Rates effective 09/01/2026; dividends paid as of 09/30/2026

Rate History
No change since Oct 19, 2026 · 3.72% APY
3.22%3.72%4.22%Oct 19, 2026: 3.72% APYOct 19, 2026Oct 25, 2026
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
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

Massies Mill 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
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
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
24 Month Share Certificate
$0
4.35% ▲ 1.37% above Virginia avg
View
▼
Rate4.26%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.98%▲ 1.37% above avgNationally 2.90%
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
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
24 Month TD Choice CD
$250
4.30% ▲ 1.32% above Virginia avg
View
▼
Rate4.22%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average2.98%▲ 1.32% above avgNationally 2.90%
Details

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

Rate History
No change since Oct 20, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 20, 2026: 4.30% APYOct 20, 2026Oct 25, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
24 Month Jumbo CD
$50,000
4.30% ▲ 1.32% above Virginia avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.98%▲ 1.32% above avgNationally 2.90%
Details

Rate History
1 change since Sep 21, 2026 · 3.95% → 4.30% ▲ 0.35 pts · high 4.30% / low 3.95%
3.45%4.13%4.80%Sep 21, 2026: 3.95% APYOct 5, 2026: 4.30% APYSep 21, 2026Oct 25, 2026
  • Oct 5, 20264.30%▲ from 3.95%
  • Sep 21, 20263.95%first recorded
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
24 Month TD Choice CD
$250
4.29% ▲ 1.31% above Virginia avg
View
▼
Rate4.21%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average2.98%▲ 1.31% above avgNationally 2.90%
Details

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

Rate History
No change since Oct 20, 2026 · 4.29% APY · checked 2 times
3.79%4.29%4.79%Oct 20, 2026: 4.29% APYOct 20, 2026Oct 25, 2026
Salem VA Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
24 Month Certificate
$50,000
4.25% ▲ 1.27% above Virginia avg
View
▼
Rate4.17%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.98%▲ 1.27% above avgNationally 2.90%
Details

Rate History
No change since Oct 22, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 22, 2026: 4.25% APYOct 22, 2026Oct 25, 2026
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
Share Certificate - 24 Month
$1,000
4.25% ▲ 1.27% above Virginia avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.98%▲ 1.27% above avgNationally 2.90%
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%
24 Month Share Certificate
$500
4.25% ▲ 1.27% above Virginia avg
View
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.98%▲ 1.27% above avgNationally 2.90%
Details

Rate Effective Date: October 23, 2026

Rate History
1 change since Oct 5, 2026 · 3.80% → 4.25% ▲ 0.45 pts · high 4.25% / low 3.80%
3.30%4.03%4.75%Oct 5, 2026: 3.80% APYOct 13, 2026: 4.25% APYOct 5, 2026Oct 25, 2026
  • Oct 13, 20264.25%▲ from 3.80%
  • Oct 5, 20263.80%first recorded
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
Regular Certificate 2 Year
$500
4.25% ▲ 1.27% above Virginia avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.98%▲ 1.27% above avgNationally 2.90%
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
Salem VA Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
24 Month Certificate
$1,000
4.20% ▲ 1.22% above Virginia avg
View
▼
Rate4.12%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.98%▲ 1.22% above avgNationally 2.90%
Details

Rate History
No change since Oct 22, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 22, 2026: 4.20% APYOct 22, 2026Oct 25, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
2 Year IRA Traditional & Roth CD
$500
4.20% ▲ 1.22% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.98%▲ 1.22% above avgNationally 2.90%
Details

Rate History
1 change since Sep 21, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
3.35%4.03%4.70%Sep 21, 2026: 3.85% APYOct 13, 2026: 4.20% APYSep 21, 2026Oct 25, 2026
  • Oct 13, 20264.20%▲ from 3.85%
  • Sep 21, 20263.85%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
24 Month Regular CD
$500
4.20% ▲ 1.22% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.98%▲ 1.22% above avgNationally 2.90%
Details

Rate History
1 change since Sep 21, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
3.35%4.03%4.70%Sep 21, 2026: 3.85% APYOct 5, 2026: 4.20% APYSep 21, 2026Oct 25, 2026
  • Oct 5, 20264.20%▲ from 3.85%
  • Sep 21, 20263.85%first recorded
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
24 Month Certificate
$1,000
4.15% ▲ 1.17% above Virginia avg
View
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.98%▲ 1.17% above avgNationally 2.90%
Details

Paid monthly

Rate History
1 change since Sep 14, 2026 · 3.45% → 4.15% ▲ 0.70 pts · high 4.15% / low 3.45%
2.75%3.80%4.85%Sep 14, 2026: 3.45% APYOct 5, 2026: 4.15% APYSep 14, 2026Oct 25, 2026
  • Oct 5, 20264.15%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
24 Month Share Certificate
$500
4.13% ▲ 1.15% above Virginia avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.98%▲ 1.15% above avgNationally 2.90%
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 - 24 Months
$500
4.13% ▲ 1.15% above Virginia avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.98%▲ 1.15% above avgNationally 2.90%
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
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificate - 24 Month
$0
4.12% ▲ 1.14% above Virginia avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.98%▲ 1.14% above avgNationally 2.90%
Details

Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal

Rate History
No change since Oct 23, 2026 · 4.12% APY
3.62%4.12%4.62%Oct 23, 2026: 4.12% APYOct 23, 2026Oct 25, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 24 Month
$0
4.12% ▲ 1.14% above Virginia avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.98%▲ 1.14% above avgNationally 2.90%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty will or may be imposed

Rate History
3 changes since Sep 14, 2026 · 3.96% → 4.12% ▲ 0.16 pts · high 4.12% / low 3.96%
3.46%4.04%4.62%Sep 14, 2026: 3.96% APYSep 25, 2026: 3.97% APYOct 13, 2026: 4.02% APYOct 15, 2026: 4.12% APYSep 14, 2026Oct 25, 2026
  • Oct 15, 20264.12%▲ from 4.02%
  • Oct 13, 20264.02%▲ from 3.97%
  • Sep 25, 20263.97%▲ from 3.96%
  • Sep 14, 20263.96%first recorded
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
IRA Term Certificate - 24 Months
$0
4.08% ▲ 1.10% above Virginia avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average2.98%▲ 1.10% above avgNationally 2.90%
Details

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

Rate History
No change since Oct 22, 2026 · 4.08% APY
3.58%4.08%4.58%Oct 22, 2026: 4.08% APYOct 22, 2026Oct 25, 2026
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
Term Certificate - 24 Months
$0
4.08% ▲ 1.10% above Virginia avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average2.98%▲ 1.10% above avgNationally 2.90%
Details

Effective Date: October 1, 2026

Rate History
1 change since Sep 15, 2026 · 3.77% → 4.08% ▲ 0.31 pts · high 4.08% / low 3.77%
3.27%3.93%4.58%Sep 15, 2026: 3.77% APYOct 22, 2026: 4.08% APYSep 15, 2026Oct 25, 2026
  • Oct 22, 20264.08%▲ from 3.77%
  • Sep 15, 20263.77%first recorded
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
1 - 2 Year Business Investment Certificate - Jumbo
$100,000
4.05% ▲ 1.07% above Virginia avg
View
▼
Rate3.98%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.98%▲ 1.07% above avgNationally 2.90%
Details

$100k; Term: 1 to 2 Years (365 to 729 days); Early Withdrawal Penalty: 180 Days' Dividends

Rate History
No change since Oct 14, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 14, 2026: 4.05% APYOct 14, 2026Oct 25, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
1 - 2 Year Investment Certificate - Jumbo
$0
4.05% ▲ 1.07% above Virginia avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.98%▲ 1.07% above avgNationally 2.90%
Details

$100k; Term: 1 to 2 Years (365 to 729 days); Jumbo ($100k minimum); Early Withdrawal Penalty: 90 Days' Dividends

Rate History
No change since Oct 14, 2026 · 4.05% APY · checked 3 times
3.55%4.05%4.55%Oct 14, 2026: 4.05% APYOct 14, 2026Oct 25, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
Investment Certificate - 1 to 2 Years (365 to 729 days) Jumbo
$0
4.05% ▲ 1.07% above Virginia avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.98%▲ 1.07% above avgNationally 2.90%
Details

Term: 1 to 2 Years (365 to 729 days); Jumbo ($100k minimum); Early Withdrawal Penalty: 90 Days' Dividends

Rate History
No change since Oct 19, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 19, 2026: 4.05% APYOct 19, 2026Oct 25, 2026
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
Share Certificate - 24 Month Maturity
$1,000
4.00% ▲ 1.02% above Virginia avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.98%▲ 1.02% above avgNationally 2.90%
Details

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
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
Share Certificate - 2 Year Certificate
$1,000
4.00% ▲ 1.02% above Virginia avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.98%▲ 1.02% above avgNationally 2.90%
Details

Rates effective as of 10/22/2026

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
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
Share Certificate - Jumbo - 2 Year Certificate
$100,000
4.00% ▲ 1.02% above Virginia avg
View
▼
Rate3.92%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.98%▲ 1.02% above avgNationally 2.90%
Details

Jumbo; Rates effective as of 10/22/2026

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
Henrico Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
24 Month Certificate
$0
4.00% ▲ 1.02% above Virginia avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.98%▲ 1.02% above avgNationally 2.90%
Details

Balance: $100,000 and over

Rate History
1 change 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 5, 2026: 4.00% APYSep 21, 2026Oct 25, 2026
  • Oct 5, 20264.00%▲ from 3.80%
  • Sep 21, 20263.80%first recorded
Argent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
24 Month IRA Jumbo Certificate
$0
4.00% ▲ 1.02% above Virginia avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.98%▲ 1.02% above avgNationally 2.90%
Details

Jumbo Certificate; A penalty will be imposed for early withdrawal on all IRA Certificates

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
Argent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
24 Month Jumbo Certificate
$0
4.00% ▲ 1.02% above Virginia avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.98%▲ 1.02% above avgNationally 2.90%
Details

Effective: July 1, 2026

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
1 - 2 Year Business Investment Certificate
$1,000
4.00% ▲ 1.02% above Virginia avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.98%▲ 1.02% above avgNationally 2.90%
Details

Term: 1 to 2 Years (365 to 729 days); Early Withdrawal Penalty: 180 Days' Dividends

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 25, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
1 - 2 Year Investment Certificate
$1,000
4.00% ▲ 1.02% above Virginia avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.98%▲ 1.02% above avgNationally 2.90%
Details

Term: 1 to 2 Years (365 to 729 days); Early Withdrawal Penalty: 90 Days' Dividends

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 25, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
Investment Certificate - 1 to 2 Years (365 to 729 days)
$1,000
4.00% ▲ 1.02% above Virginia avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.98%▲ 1.02% above avgNationally 2.90%
Details

Term: 1 to 2 Years (365 to 729 days); Early Withdrawal Penalty: 90 Days' Dividends

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
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
24 Month Certificate
$0
3.97% ▲ 0.99% above Virginia avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.98%▲ 0.99% above avgNationally 2.90%
Details

Rate History
3 changes since Sep 14, 2026 · 3.80% → 3.97% ▲ 0.17 pts · high 3.97% / low 3.80%
3.30%3.89%4.47%Sep 14, 2026: 3.80% APYOct 5, 2026: 3.81% APYOct 9, 2026: 3.86% APYOct 23, 2026: 3.97% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20263.97%▲ from 3.86%
  • Oct 9, 20263.86%▲ from 3.81%
  • Oct 5, 20263.81%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
IRA Certificate 24 Month
$0
3.97% ▲ 0.99% above Virginia avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.98%▲ 0.99% above avgNationally 2.90%
Details

Minimum daily balance to earn APY: $2,000; Effective as of Friday, October 23rd, 2026; A penalty will or may be imposed for early withdrawal

Rate History
No change since Oct 23, 2026 · 3.97% APY
3.47%3.97%4.47%Oct 23, 2026: 3.97% APYOct 23, 2026Oct 25, 2026
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
24 Month Jumbo Certificate
$0
3.96% ▲ 0.98% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.98%▲ 0.98% above avgNationally 2.90%
Details

Share Certificates; Minimum Balances of $100,000

Rate History
No change since Sep 25, 2026 · 3.96% APY · checked 5 times
3.46%3.96%4.46%Sep 25, 2026: 3.96% APYSep 25, 2026Oct 25, 2026
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
Jumbo Certificate - 24 Months
$0
3.96% ▲ 0.98% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.98%▲ 0.98% above avgNationally 2.90%
Details

Jumbo Certificate (Minimum Balances of $100,000); Early withdrawal penalties may apply

Rate History
No change since Sep 25, 2026 · 3.96% APY · checked 5 times
3.46%3.96%4.46%Sep 25, 2026: 3.96% APYSep 25, 2026Oct 25, 2026
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.99%
Share and IRA Certificate - 24 Month
$500
3.95% ▲ 0.97% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.98%▲ 0.97% above avgNationally 2.90%
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
Homebase Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
24 Month Share Certificate
$2,500
3.92% ▲ 0.94% above Virginia avg
View
▼
Rate3.85%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.98%▲ 0.94% above avgNationally 2.90%
Details

Rates effective as of 10/15/2026; Dividend Rate with APY; minimum balance of $2,500.00 to open and earn dividends; early withdrawal penalty is 180 days of dividends

Rate History
1 change since Sep 17, 2026 · 3.71% → 3.92% ▲ 0.21 pts · high 3.92% / low 3.71%
3.21%3.82%4.42%Sep 17, 2026: 3.71% APYOct 23, 2026: 3.92% APYSep 17, 2026Oct 25, 2026
  • Oct 23, 20263.92%▲ from 3.71%
  • Sep 17, 20263.71%first recorded
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
24 Month IRA Certificate
$0
3.91% ▲ 0.93% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.98%▲ 0.93% above avgNationally 2.90%
Details

Minimum balance $500; IRA Certificate; early withdrawal penalty applies

Rate History
No change since Sep 25, 2026 · 3.91% APY · checked 6 times
3.41%3.91%4.41%Sep 25, 2026: 3.91% APYSep 25, 2026Oct 25, 2026
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.20%
24 Month Fixed Rate Certificate
$0
3.90% ▲ 0.92% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.98%▲ 0.92% above avgNationally 2.90%
Details

Rate History
No change since Sep 24, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 24, 2026: 3.90% APYSep 24, 2026Oct 25, 2026
Chesapeake Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
2 Year Certificate
$0
3.90% ▲ 0.92% above Virginia avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.98%▲ 0.92% above avgNationally 2.90%
Details

Certificate ($1,000 minimum balance)

Rate History
No change since Sep 8, 2026 · 3.90% APY · checked 10 times
3.40%3.90%4.40%Sep 8, 2026: 3.90% APYSep 8, 2026Oct 25, 2026

Massies Mill 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
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
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
36 Month Share Certificate
$500
4.33% ▲ 1.39% above Virginia avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.94%▲ 1.39% above avgNationally 2.81%
Details

Balance: $250,000-$999,999; Minimum $500 deposit required for certificate accounts

Rate History
No change since Sep 14, 2026 · 4.33% APY · checked 7 times
3.83%4.33%4.83%Sep 14, 2026: 4.33% APYSep 14, 2026Oct 25, 2026
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
36 Month Share Certificate
$500
4.30% ▲ 1.36% above Virginia avg
View
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.94%▲ 1.36% 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 - 36 Month
$1,000
4.25% ▲ 1.31% above Virginia avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.94%▲ 1.31% 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
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
3 Year IRA Traditional & Roth CD
$500
4.25% ▲ 1.31% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.94%▲ 1.31% above avgNationally 2.81%
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 13, 2026: 4.25% APYSep 21, 2026Oct 25, 2026
  • Oct 13, 20264.25%▲ from 3.90%
  • Sep 21, 20263.90%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
36 Month Regular CD
$500
4.25% ▲ 1.31% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.94%▲ 1.31% above avgNationally 2.81%
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 3 Year
$500
4.25% ▲ 1.31% above Virginia avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.94%▲ 1.31% 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
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
IRA Term Certificate - 36 Months
$0
4.18% ▲ 1.24% above Virginia avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average2.94%▲ 1.24% 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 - 36 Months
$0
4.18% ▲ 1.24% above Virginia avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average2.94%▲ 1.24% 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
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificate - 36 Month
$0
4.17% ▲ 1.23% above Virginia avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.94%▲ 1.23% above avgNationally 2.81%
Details

Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal

Rate History
No change since Oct 23, 2026 · 4.17% APY
3.67%4.17%4.67%Oct 23, 2026: 4.17% APYOct 23, 2026Oct 25, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 36 Month
$0
4.17% ▲ 1.23% above Virginia avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.94%▲ 1.23% above avgNationally 2.81%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty will or may be imposed

Rate History
4 changes since Sep 14, 2026 · 3.91% → 4.17% ▲ 0.26 pts · high 4.17% / low 3.91%
3.41%4.04%4.67%Sep 14, 2026: 3.91% APYSep 25, 2026: 3.97% APYOct 13, 2026: 4.02% APYOct 15, 2026: 4.12% APYOct 23, 2026: 4.17% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20264.17%▲ from 4.12%
  • Oct 15, 20264.12%▲ from 4.02%
  • Oct 13, 20264.02%▲ from 3.97%
  • Sep 25, 20263.97%▲ from 3.91%
First Sentinel Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
36-Month CD/IRA
$500
4.16% ▲ 1.22% above Virginia avg
View
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average2.94%▲ 1.22% above avgNationally 2.81%
Details

Certificates of Deposit & IRA Special Rates as of 09/23/2026; $500 minimum balance to obtain APY

Rate History
No change since Oct 14, 2026 · 4.16% APY · checked 3 times
3.66%4.16%4.66%Oct 14, 2026: 4.16% APYOct 14, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
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%
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
Democracy Federal Credit Union
Institution Rating:
A-4.6 ★Texas Ratio: 9.01%
36 Month IRA Certificate - Traditional or Roth
$2,000
4.10% ▲ 1.16% above Virginia avg
View
▼
Rate4.04%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.94%▲ 1.16% above avgNationally 2.81%
Details

Minimum Add'l Deposit: $25; Maximum deposit cap on IRA products: $250,000

Rate History
No change since Sep 25, 2026 · 4.10% APY · checked 4 times
3.60%4.10%4.60%Sep 25, 2026: 4.10% APYSep 25, 2026Oct 25, 2026
Henrico Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
36 Month Certificate
$0
4.10% ▲ 1.16% above Virginia avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.94%▲ 1.16% above avgNationally 2.81%
Details

Balance: $100,000 and over

Rate History
1 change since Sep 21, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
3.35%3.97%4.60%Sep 21, 2026: 3.85% APYOct 5, 2026: 4.10% APYSep 21, 2026Oct 25, 2026
  • Oct 5, 20264.10%▲ from 3.85%
  • Sep 21, 20263.85%first recorded
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
36 Month Certificate
$1,000
4.05% ▲ 1.11% above Virginia avg
View
▼
Rate3.98%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.94%▲ 1.11% above avgNationally 2.81%
Details

Paid monthly

Rate History
1 change since Sep 14, 2026 · 3.40% → 4.05% ▲ 0.65 pts · high 4.05% / low 3.40%
2.75%3.72%4.70%Sep 14, 2026: 3.40% APYOct 5, 2026: 4.05% APYSep 14, 2026Oct 25, 2026
  • Oct 5, 20264.05%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
2 - 3 Year Business Investment Certificate - Jumbo
$100,000
4.05% ▲ 1.11% above Virginia avg
View
▼
Rate3.98%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.94%▲ 1.11% above avgNationally 2.81%
Details

$100k; Term: 2 to 3 Years (730 to 1,094 days); Early Withdrawal Penalty: 180 Days' Dividends

Rate History
No change since Oct 14, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 14, 2026: 4.05% APYOct 14, 2026Oct 25, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
2 - 3 Year Investment Certificate - Jumbo
$0
4.05% ▲ 1.11% above Virginia avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.94%▲ 1.11% above avgNationally 2.81%
Details

$100k; Term: 2 to 3 Years (730 to 1,094 days); Jumbo ($100k minimum); Early Withdrawal Penalty: 180 Days' Dividends

Rate History
No change since Oct 14, 2026 · 4.05% APY · checked 3 times
3.55%4.05%4.55%Oct 14, 2026: 4.05% APYOct 14, 2026Oct 25, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
Investment Certificate - 2 to 3 Years (730 to 1,094 days) Jumbo
$0
4.05% ▲ 1.11% above Virginia avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.94%▲ 1.11% above avgNationally 2.81%
Details

Term: 2 to 3 Years (730 to 1,094 days); Jumbo ($100k minimum); Early Withdrawal Penalty: 180 Days' Dividends

Rate History
No change since Oct 19, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 19, 2026: 4.05% APYOct 19, 2026Oct 25, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
36 Month Certificate
$0
4.02% ▲ 1.08% above Virginia avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.94%▲ 1.08% above avgNationally 2.81%
Details

Rate History
3 changes since Sep 14, 2026 · 3.76% → 4.02% ▲ 0.26 pts · high 4.02% / low 3.76%
3.26%3.89%4.52%Sep 14, 2026: 3.76% APYOct 5, 2026: 3.81% APYOct 9, 2026: 3.86% APYOct 23, 2026: 4.02% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20264.02%▲ from 3.86%
  • Oct 9, 20263.86%▲ from 3.81%
  • Oct 5, 20263.81%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
IRA Certificate 36 Month
$0
4.02% ▲ 1.08% above Virginia avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.94%▲ 1.08% above avgNationally 2.81%
Details

Minimum daily balance to earn APY: $2,000; Effective as of Friday, October 23rd, 2026; A penalty will or may be imposed for early withdrawal

Rate History
No change since Oct 23, 2026 · 4.02% APY
3.52%4.02%4.52%Oct 23, 2026: 4.02% APYOct 23, 2026Oct 25, 2026
FNB Bank, Inc. Romney, WV
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
36 MONTH CD SPECIAL
$1,000
4.00% ▲ 1.06% above Virginia avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average2.94%▲ 1.06% above avgNationally 2.81%
Details

Compounding Frequency: Quarterly

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
3.30%3.90%4.50%Sep 14, 2026: 3.80% APYSep 24, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
  • Sep 24, 20264.00%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
Share Certificate - 3 Year Certificate
$1,000
4.00% ▲ 1.06% above Virginia avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.94%▲ 1.06% above avgNationally 2.81%
Details

Rates effective as of 10/22/2026

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
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
Share Certificate - Jumbo - 3 Year Certificate
$100,000
4.00% ▲ 1.06% above Virginia avg
View
▼
Rate3.92%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.94%▲ 1.06% above avgNationally 2.81%
Details

Jumbo; Rates effective as of 10/22/2026

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
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
2 - 3 Year Business Investment Certificate
$1,000
4.00% ▲ 1.06% above Virginia avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.94%▲ 1.06% above avgNationally 2.81%
Details

Term: 2 to 3 Years (730 to 1,094 days); Early Withdrawal Penalty: 180 Days' Dividends

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 25, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
2 - 3 Year Investment Certificate
$1,000
4.00% ▲ 1.06% above Virginia avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.94%▲ 1.06% above avgNationally 2.81%
Details

Term: 2 to 3 Years (730 to 1,094 days); Early Withdrawal Penalty: 180 Days' Dividends

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 25, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
Investment Certificate - 2 to 3 Years (730 to 1,094 days)
$1,000
4.00% ▲ 1.06% above Virginia avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.94%▲ 1.06% above avgNationally 2.81%
Details

Term: 2 to 3 Years (730 to 1,094 days); Early Withdrawal Penalty: 180 Days' Dividends

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
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.99%
Share and IRA Certificate - 36 Month
$500
3.99% ▲ 1.05% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.94%▲ 1.05% above avgNationally 2.81%
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 · 3.99% APY · checked 3 times
3.49%3.99%4.49%Oct 13, 2026: 3.99% APYOct 13, 2026Oct 25, 2026
Homebase Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
36 Month Share Certificate
$2,500
3.97% ▲ 1.03% above Virginia avg
View
▼
Rate3.90%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.94%▲ 1.03% above avgNationally 2.81%
Details

Rates effective as of 10/15/2026; Dividend Rate with APY; minimum balance of $2,500.00 to open and earn dividends; early withdrawal penalty is 180 days of dividends

Rate History
1 change since Sep 17, 2026 · 3.76% → 3.97% ▲ 0.21 pts · high 3.97% / low 3.76%
3.26%3.87%4.47%Sep 17, 2026: 3.76% APYOct 23, 2026: 3.97% APYSep 17, 2026Oct 25, 2026
  • Oct 23, 20263.97%▲ from 3.76%
  • Sep 17, 20263.76%first recorded
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
36 Month Share Certificate
$500
3.92% ▲ 0.98% above Virginia avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.94%▲ 0.98% above avgNationally 2.81%
Details

Balance: $100,000-$249,999; Minimum $500 deposit required for certificate accounts

Rate History
1 change since Sep 14, 2026 · 3.87% → 3.92% ▲ 0.05 pts · high 3.92% / low 3.87%
3.37%3.90%4.42%Sep 14, 2026: 3.87% APYOct 1, 2026: 3.92% APYSep 14, 2026Oct 25, 2026
  • Oct 1, 20263.92%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
Share Certificate - 36 months
$500
3.90% ▲ 0.96% above Virginia avg
View
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.94%▲ 0.96% above avgNationally 2.81%
Details

Dividend Rate 3.83%; Dividends compounded and credited quarterly; penalty for early withdrawal

Rate History
No change since Sep 25, 2026 · 3.90% APY · checked 6 times
3.40%3.90%4.40%Sep 25, 2026: 3.90% APYSep 25, 2026Oct 25, 2026
Vantage Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
36 Month Share & IRA Share Certificates
$0
3.87% ▲ 0.93% above Virginia avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.94%▲ 0.93% above avgNationally 2.81%
Details

36 Month Share Certificates have a 1 time step-up feature

Rate History
No change since Oct 13, 2026 · 3.87% APY · checked 3 times
3.37%3.87%4.37%Oct 13, 2026: 3.87% APYOct 13, 2026Oct 25, 2026
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
36 Month Share Certificate
$500
3.87% ▲ 0.93% above Virginia avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.94%▲ 0.93% above avgNationally 2.81%
Details

Balance: $500-$99,999; Minimum $500 deposit required for certificate accounts

Rate History
1 change since Sep 14, 2026 · 3.82% → 3.87% ▲ 0.05 pts · high 3.87% / low 3.82%
3.32%3.84%4.37%Sep 14, 2026: 3.82% APYOct 1, 2026: 3.87% APYSep 14, 2026Oct 25, 2026
  • Oct 1, 20263.87%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
Argent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
36 Month IRA Certificates
$0
3.85% ▲ 0.91% above Virginia avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.94%▲ 0.91% above avgNationally 2.81%
Details

A penalty will be imposed for early withdrawal on all IRA Certificates

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 6 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 25, 2026
Argent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
Certificates - 36 month
$0
3.85% ▲ 0.91% above Virginia avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.94%▲ 0.91% above avgNationally 2.81%
Details

Effective: July 1, 2026

Rate History
No change since Oct 23, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 23, 2026: 3.85% APYOct 23, 2026Oct 25, 2026
Apple Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
Jumbo 36 Month Certificate
$0
3.80% ▲ 0.86% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.94%▲ 0.86% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.75% → 3.80% ▲ 0.05 pts · high 3.80% / low 3.75%
3.25%3.78%4.30%Sep 18, 2026: 3.75% APYOct 7, 2026: 3.80% APYSep 18, 2026Oct 25, 2026
  • Oct 7, 20263.80%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
Jumbo Traditional, Educational, and Roth IRA Share Certificate - 36-month
$10,000
3.80% ▲ 0.86% above Virginia avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.94%▲ 0.86% above avgNationally 2.81%
Details

Jumbo certificate; APY in effect for the term but may change on renewal; compounded and credited quarterly

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 25, 2026
First National Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
Certificates of Deposit - 3 Year
$500
3.80% ▲ 0.86% above Virginia avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.94%▲ 0.86% above avgNationally 2.81%
Details

Minimum Balance to Maintain APY: $500.00

Rate History
No change since Oct 20, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 20, 2026: 3.80% APYOct 20, 2026Oct 25, 2026
First National Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
IRA 3 Year Fixed
$100
3.80% ▲ 0.86% above Virginia avg
View
▼
Rate3.75%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.94%▲ 0.86% above avgNationally 2.81%
Details

Rate History
1 change since Sep 24, 2026 · 2.27% → 3.80% ▲ 1.53 pts · high 3.80% / low 2.27%
0.74%3.04%5.33%Sep 24, 2026: 2.27% APYOct 20, 2026: 3.80% APYSep 24, 2026Oct 25, 2026
  • Oct 20, 20263.80%▲ from 2.27%
  • Sep 24, 20262.27%first recorded
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
IRA Certificate - 36 Months (Reg/Roth/Educ)
$100,000
3.80% ▲ 0.86% above Virginia avg
View
▼
Rate3.73%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.94%▲ 0.86% above avgNationally 2.81%
Details

Early withdrawal penalty may apply to all certificates at 15-day x original term of dividends on amount withdrawn.

Rate History
1 change since Sep 18, 2026 · 3.10% → 3.80% ▲ 0.70 pts · high 3.80% / low 3.10%
2.40%3.45%4.50%Sep 18, 2026: 3.10% APYSep 25, 2026: 3.80% APYSep 18, 2026Oct 25, 2026
  • Sep 25, 20263.80%▲ from 3.10%
  • Sep 18, 20263.10%first recorded
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
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

Massies Mill 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
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
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
IRA Certificate - 48 Months
$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

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
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificate - 48 Month
$0
4.12% ▲ 1.26% above Virginia avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.86%▲ 1.26% above avgNationally 2.81%
Details

Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal

Rate History
No change since Oct 23, 2026 · 4.12% APY
3.62%4.12%4.62%Oct 23, 2026: 4.12% APYOct 23, 2026Oct 25, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 48 Month
$0
4.12% ▲ 1.26% above Virginia avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.86%▲ 1.26% above avgNationally 2.81%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty will or may be imposed

Rate History
3 changes since Sep 14, 2026 · 3.91% → 4.12% ▲ 0.21 pts · high 4.12% / low 3.91%
3.41%4.02%4.62%Sep 14, 2026: 3.91% APYSep 25, 2026: 3.97% APYOct 15, 2026: 4.07% APYOct 23, 2026: 4.12% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20264.12%▲ from 4.07%
  • Oct 15, 20264.07%▲ from 3.97%
  • Sep 25, 20263.97%▲ from 3.91%
  • Sep 14, 20263.91%first recorded
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
3 - 4 Year Business Investment Certificate - Jumbo
$100,000
4.05% ▲ 1.19% above Virginia avg
View
▼
Rate3.98%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.86%▲ 1.19% above avgNationally 2.81%
Details

$100k; Term: 3 to 4 Years (1,095 to 1,460 days); Early Withdrawal Penalty: 240 Days' Dividends

Rate History
No change since Oct 14, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 14, 2026: 4.05% APYOct 14, 2026Oct 25, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
3 - 4 Year Investment Certificate - Jumbo
$0
4.05% ▲ 1.19% above Virginia avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.86%▲ 1.19% above avgNationally 2.81%
Details

$100k; Term: 3 to 4 Years (1,095 to 1,460 days); Jumbo ($100k minimum); Early Withdrawal Penalty: 180 Days' Dividends

Rate History
No change since Oct 14, 2026 · 4.05% APY · checked 3 times
3.55%4.05%4.55%Oct 14, 2026: 4.05% APYOct 14, 2026Oct 25, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
Investment Certificate - 3 to 4 Years (1,095 to 1,460 days) Jumbo
$0
4.05% ▲ 1.19% above Virginia avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.86%▲ 1.19% above avgNationally 2.81%
Details

Term: 3 to 4 Years (1,095 to 1,460 days); Jumbo ($100k minimum); Early Withdrawal Penalty: 180 Days' Dividends

Rate History
No change since Oct 19, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 19, 2026: 4.05% APYOct 19, 2026Oct 25, 2026
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
Share Certificate - 4 Year Certificate
$1,000
4.00% ▲ 1.14% above Virginia avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.86%▲ 1.14% above avgNationally 2.81%
Details

Rates effective as of 10/22/2026

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
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
3 - 4 Year Business Investment Certificate
$1,000
4.00% ▲ 1.14% above Virginia avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.86%▲ 1.14% above avgNationally 2.81%
Details

Term: 3 to 4 Years (1,095 to 1,460 days); Early Withdrawal Penalty: 240 Days' Dividends

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 25, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
3 - 4 Year Investment Certificate
$1,000
4.00% ▲ 1.14% above Virginia avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.86%▲ 1.14% above avgNationally 2.81%
Details

Term: 3 to 4 Years (1,095 to 1,460 days); Early Withdrawal Penalty: 180 Days' Dividends

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 25, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
Investment Certificate - 3 to 4 Years (1,095 to 1,460 days)
$1,000
4.00% ▲ 1.14% above Virginia avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.86%▲ 1.14% above avgNationally 2.81%
Details

Term: 3 to 4 Years (1,095 to 1,460 days); Early Withdrawal Penalty: 180 Days' Dividends

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
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.99%
Share and IRA Certificate - 48 Month
$500
3.98% ▲ 1.12% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.86%▲ 1.12% above avgNationally 2.81%
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 · 3.98% APY · checked 3 times
3.48%3.98%4.48%Oct 13, 2026: 3.98% APYOct 13, 2026Oct 25, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
48 Month Certificate
$0
3.97% ▲ 1.11% above Virginia avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.86%▲ 1.11% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 14, 2026 · 3.76% → 3.97% ▲ 0.21 pts · high 3.97% / low 3.76%
3.26%3.87%4.47%Sep 14, 2026: 3.76% APYOct 5, 2026: 3.81% APYOct 23, 2026: 3.97% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20263.97%▲ from 3.81%
  • Oct 5, 20263.81%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
IRA Certificate 48 Month
$0
3.97% ▲ 1.11% above Virginia avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.86%▲ 1.11% above avgNationally 2.81%
Details

Minimum daily balance to earn APY: $2,000; Effective as of Friday, October 23rd, 2026; A penalty will or may be imposed for early withdrawal

Rate History
No change since Oct 23, 2026 · 3.97% APY
3.47%3.97%4.47%Oct 23, 2026: 3.97% APYOct 23, 2026Oct 25, 2026
Vantage Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
48 Month Share & IRA Share Certificates
$0
3.92% ▲ 1.06% above Virginia avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.86%▲ 1.06% above avgNationally 2.81%
Details

Rate History
No change since Oct 13, 2026 · 3.92% APY · checked 3 times
3.42%3.92%4.42%Oct 13, 2026: 3.92% APYOct 13, 2026Oct 25, 2026
First National Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
Certificates of Deposit - 4 Year
$500
3.91% ▲ 1.05% above Virginia avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.86%▲ 1.05% above avgNationally 2.81%
Details

Minimum Balance to Maintain APY: $500.00

Rate History
No change since Oct 20, 2026 · 3.91% APY · checked 2 times
3.41%3.91%4.41%Oct 20, 2026: 3.91% APYOct 20, 2026Oct 25, 2026
First National Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
IRA 4 Year Fixed
$100
3.91% ▲ 1.05% above Virginia avg
View
▼
Rate3.85%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.86%▲ 1.05% above avgNationally 2.81%
Details

Rate History
1 change since Sep 24, 2026 · 2.27% → 3.91% ▲ 1.64 pts · high 3.91% / low 2.27%
0.63%3.09%5.55%Sep 24, 2026: 2.27% APYOct 20, 2026: 3.91% APYSep 24, 2026Oct 25, 2026
  • Oct 20, 20263.91%▲ from 2.27%
  • Sep 24, 20262.27%first recorded
Argent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
48 Month IRA Certificates
$0
3.90% ▲ 1.04% above Virginia avg
View
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.86%▲ 1.04% above avgNationally 2.81%
Details

A penalty will be imposed for early withdrawal on all IRA Certificates

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 6 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 25, 2026
Argent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
Certificates - 48 month
$0
3.90% ▲ 1.04% above Virginia avg
View
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.86%▲ 1.04% above avgNationally 2.81%
Details

Effective: July 1, 2026

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
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
48 Month Share Certificate
$500
3.87% ▲ 1.01% above Virginia avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.86%▲ 1.01% above avgNationally 2.81%
Details

Balance: $250,000-$999,999; Minimum $500 deposit required for certificate accounts

Rate History
No change since Sep 14, 2026 · 3.87% APY · checked 7 times
3.37%3.87%4.37%Sep 14, 2026: 3.87% APYSep 14, 2026Oct 25, 2026
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
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%
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
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
Jumbo Traditional, Educational, and Roth IRA Share Certificate - 48-month
$10,000
3.80% ▲ 0.94% above Virginia avg
View
▼
Rate3.75%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.86%▲ 0.94% above avgNationally 2.81%
Details

Jumbo certificate; APY in effect for the term but may change on renewal; compounded and credited quarterly

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 25, 2026
Apple Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
48 Month Certificate
$0
3.75% ▲ 0.89% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.86%▲ 0.89% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.70% → 3.75% ▲ 0.05 pts · high 3.75% / low 3.70%
3.20%3.73%4.25%Sep 18, 2026: 3.70% APYOct 7, 2026: 3.75% APYSep 18, 2026Oct 25, 2026
  • Oct 7, 20263.75%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
Jumbo Fixed Rate Share Certificate - 48-month
$10,000
3.75% ▲ 0.89% above Virginia avg
View
▼
Rate3.70%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.86%▲ 0.89% above avgNationally 2.81%
Details

Jumbo certificate; must maintain minimum $10,000.00 balance to earn advertised APY

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 25, 2026
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
Traditional, Educational, and Roth IRA Share Certificates - 48-month
$1,000
3.75% ▲ 0.89% above Virginia avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.86%▲ 0.89% above avgNationally 2.81%
Details

Term taken from the page's Traditional, Educational, and Roth IRA Share Certificates section; the source table's term cells are blank

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 25, 2026
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Certificate of Deposit - 48 Months
$1,000
3.75% ▲ 0.89% above Virginia avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.86%▲ 0.89% above avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 25, 2026
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
48 Month Jumbo Certificate
$0
3.75% ▲ 0.89% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.86%▲ 0.89% above avgNationally 2.81%
Details

Share Certificate; Minimum balances of $100,000; Rates effective October 1, 2026

Rate History
No change since Sep 25, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 25, 2026: 3.75% APYSep 25, 2026Oct 25, 2026
Salem VA Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
48 Month Certificate
$50,000
3.75% ▲ 0.89% above Virginia avg
View
▼
Rate3.69%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.86%▲ 0.89% above avgNationally 2.81%
Details

Rate History
No change since Oct 22, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 22, 2026: 3.75% APYOct 22, 2026Oct 25, 2026
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
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%
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
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
48 Month Certificate
$1,000
3.75% ▲ 0.89% above Virginia avg
View
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.86%▲ 0.89% above avgNationally 2.81%
Details

Paid monthly

Rate History
1 change since Sep 14, 2026 · 3.40% → 3.75% ▲ 0.35 pts · high 3.75% / low 3.40%
2.90%3.58%4.25%Sep 14, 2026: 3.40% APYOct 5, 2026: 3.75% APYSep 14, 2026Oct 25, 2026
  • Oct 5, 20263.75%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Marine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
48 Month Jumbo Share Certificate
$100,000
3.72% ▲ 0.86% above Virginia avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.86%▲ 0.86% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 22, 2026 · 3.72% APY · checked 2 times
3.22%3.72%4.22%Oct 22, 2026: 3.72% APYOct 22, 2026Oct 25, 2026
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
Fixed Rate Share Certificate - 48-month
$1,000
3.70% ▲ 0.84% above Virginia avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.86%▲ 0.84% above avgNationally 2.81%
Details

Dividends compounded and credited quarterly; penalties apply for early withdrawal

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Oct 25, 2026
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.28%
Raise Your Rate Share Certificate - 48 Month
$1,000
3.70% ▲ 0.84% above Virginia avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.86%▲ 0.84% above avgNationally 2.81%
Details

Raise Your Rate; up to three rate raises allowed; first raise available after six months; must maintain $1,000 balance to earn APY

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Oct 25, 2026
State Department Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
48 Month IRA Certificate
$0
3.70% ▲ 0.84% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.86%▲ 0.84% above avgNationally 2.81%
Details

Minimum balance $500; IRA Certificate

Rate History
No change since Sep 25, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 25, 2026: 3.70% APYSep 25, 2026Oct 25, 2026
TruEnergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
48 Month Jumbo IRA Share Certificate
$0
3.70% ▲ 0.84% above Virginia avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.86%▲ 0.84% above avgNationally 2.81%
Details

Rate History
No change since Sep 25, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 25, 2026: 3.70% APYSep 25, 2026Oct 25, 2026
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
48 Month Certificate - Platinum
$500
3.70% ▲ 0.84% above Virginia avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.86%▲ 0.84% above avgNationally 2.81%
Details

Platinum APY

Rate History
No change since Oct 12, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Oct 12, 2026: 3.70% APYOct 12, 2026Oct 25, 2026

Massies Mill 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
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
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
60 Month Regular 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 5, 2026: 4.50% APYSep 21, 2026Oct 25, 2026
  • Oct 5, 20264.50%▲ from 4.00%
  • Sep 21, 20264.00%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
60 Month Share Certificate
$0
4.40% ▲ 1.37% above Virginia avg
View
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.03%▲ 1.37% above avgNationally 2.92%
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
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
60 Month Share Certificate
$500
4.30% ▲ 1.27% above Virginia avg
View
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.03%▲ 1.27% above avgNationally 2.92%
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
Democracy Federal Credit Union
Institution Rating:
A-4.6 ★Texas Ratio: 9.01%
60 Month IRA Certificate - Traditional or Roth
$2,500
4.25% ▲ 1.22% above Virginia avg
View
▼
Rate4.18%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.03%▲ 1.22% above avgNationally 2.92%
Details

Minimum Add'l Deposit: $25; Maximum deposit cap on IRA products: $250,000

Rate History
No change since Sep 25, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Sep 25, 2026: 4.25% APYSep 25, 2026Oct 25, 2026
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
60 Month IRA Certificates
$500
4.25% ▲ 1.22% above Virginia avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.03%▲ 1.22% above avgNationally 2.92%
Details

Early withdrawal penalties may apply

Rate History
1 change since Sep 24, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 24, 2026: 4.00% APYOct 4, 2026: 4.25% APYSep 24, 2026Oct 25, 2026
  • Oct 4, 20264.25%▲ from 4.00%
  • Sep 24, 20264.00%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
Share Certificate - 60 Month
$1,000
4.25% ▲ 1.22% above Virginia avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.03%▲ 1.22% above avgNationally 2.92%
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 5 Year
$500
4.25% ▲ 1.22% above Virginia avg
View
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.03%▲ 1.22% above avgNationally 2.92%
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
First Sentinel Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
60-Month CD/IRA
$500
4.22% ▲ 1.19% above Virginia avg
View
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average3.03%▲ 1.19% above avgNationally 2.92%
Details

Certificates of Deposit & IRA Special Rates as of 09/23/2026; $500 minimum balance to obtain APY

Rate History
No change since Oct 14, 2026 · 4.22% APY · checked 3 times
3.72%4.22%4.72%Oct 14, 2026: 4.22% APYOct 14, 2026Oct 25, 2026
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
IRA Term Certificate - 60 Months
$0
4.18% ▲ 1.15% above Virginia avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average3.03%▲ 1.15% above avgNationally 2.92%
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 - 60 Months
$0
4.18% ▲ 1.15% above Virginia avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average3.03%▲ 1.15% above avgNationally 2.92%
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%
60 Month Share Certificate
$500
4.13% ▲ 1.10% above Virginia avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.03%▲ 1.10% above avgNationally 2.92%
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 - 60 Months
$500
4.13% ▲ 1.10% above Virginia avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.03%▲ 1.10% above avgNationally 2.92%
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
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificate - 60 Month
$0
4.12% ▲ 1.09% above Virginia avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.03%▲ 1.09% above avgNationally 2.92%
Details

Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal

Rate History
No change since Oct 23, 2026 · 4.12% APY
3.62%4.12%4.62%Oct 23, 2026: 4.12% APYOct 23, 2026Oct 25, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 60 Month
$0
4.12% ▲ 1.09% above Virginia avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.03%▲ 1.09% above avgNationally 2.92%
Details

Minimum daily balance to earn APY: $40,000; Early withdrawal penalty will or may be imposed

Rate History
2 changes since Sep 14, 2026 · 4.00% → 4.12% ▲ 0.12 pts · high 4.12% / low 4.00%
3.50%4.06%4.62%Sep 14, 2026: 4.00% APYOct 15, 2026: 4.07% APYOct 23, 2026: 4.12% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20264.12%▲ from 4.07%
  • Oct 15, 20264.07%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.20%
60 Month Fixed Rate Certificate
$0
4.11% ▲ 1.08% above Virginia avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average3.03%▲ 1.08% above avgNationally 2.92%
Details

Rate History
No change since Sep 24, 2026 · 4.11% APY · checked 3 times
3.61%4.11%4.61%Sep 24, 2026: 4.11% APYSep 24, 2026Oct 25, 2026
First National Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
Certificates of Deposit - 5 Year
$500
4.06% ▲ 1.03% above Virginia avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average3.03%▲ 1.03% above avgNationally 2.92%
Details

Minimum Balance to Maintain APY: $500.00

Rate History
No change since Oct 20, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Oct 20, 2026: 4.06% APYOct 20, 2026Oct 25, 2026
First National Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
IRA 5 Year Fixed
$100
4.06% ▲ 1.03% above Virginia avg
View
▼
Rate4.00%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average3.03%▲ 1.03% above avgNationally 2.92%
Details

Rate History
1 change since Sep 24, 2026 · 2.27% → 4.06% ▲ 1.79 pts · high 4.06% / low 2.27%
0.48%3.17%5.85%Sep 24, 2026: 2.27% APYOct 20, 2026: 4.06% APYSep 24, 2026Oct 25, 2026
  • Oct 20, 20264.06%▲ from 2.27%
  • Sep 24, 20262.27%first recorded
First National Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
Roth 5 Year Fixed
$100
4.06% ▲ 1.03% above Virginia avg
View
▼
Rate4.00%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average3.03%▲ 1.03% above avgNationally 2.92%
Details

Rate History
No change since Oct 20, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Oct 20, 2026: 4.06% APYOct 20, 2026Oct 25, 2026
Loudoun Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
IRA Certificate - 60-Month Roth
$1,000
4.06% ▲ 1.03% above Virginia avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.03%▲ 1.03% above avgNationally 2.92%
Details

Roth IRA certificate; dividends calculated on Daily Balance method, compounded and paid quarterly

Rate History
No change since Oct 19, 2026 · 4.06% APY · checked 2 times
3.56%4.06%4.56%Oct 19, 2026: 4.06% APYOct 19, 2026Oct 25, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
4 - 5 Year Business Investment Certificate - Jumbo
$100,000
4.05% ▲ 1.02% above Virginia avg
View
▼
Rate3.98%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.03%▲ 1.02% above avgNationally 2.92%
Details

$100k; Term: 4 to 5 Years (1,461 to 1,825 days); Early Withdrawal Penalty: 240 Days' Dividends

Rate History
No change since Oct 14, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 14, 2026: 4.05% APYOct 14, 2026Oct 25, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
4 - 5 Year Investment Certificate - Jumbo
$0
4.05% ▲ 1.02% above Virginia avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.03%▲ 1.02% above avgNationally 2.92%
Details

$100k; Term: 4 to 5 Years (1,461 to 1,825 days); Jumbo ($100k minimum); Early Withdrawal Penalty: 180 Days' Dividends

Rate History
No change since Oct 14, 2026 · 4.05% APY · checked 3 times
3.55%4.05%4.55%Oct 14, 2026: 4.05% APYOct 14, 2026Oct 25, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
5 Year Business Investment Certificate - Jumbo
$100,000
4.05% ▲ 1.02% above Virginia avg
View
▼
Rate3.98%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.03%▲ 1.02% above avgNationally 2.92%
Details

$100k; Term: 5 Years (1,826 to 2,190 days); Early Withdrawal Penalty: 240 Days' Dividends

Rate History
No change since Oct 14, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 14, 2026: 4.05% APYOct 14, 2026Oct 25, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
5 Year Investment Certificate - Jumbo
$0
4.05% ▲ 1.02% above Virginia avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.03%▲ 1.02% above avgNationally 2.92%
Details

$100k; Term: 5 Years (1,826 to 2,190 days); Jumbo ($100k minimum); Early Withdrawal Penalty: 180 Days' Dividends

Rate History
No change since Oct 14, 2026 · 4.05% APY · checked 3 times
3.55%4.05%4.55%Oct 14, 2026: 4.05% APYOct 14, 2026Oct 25, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
Investment Certificate - 4 to 5 Years (1,461 to 1,825 days) Jumbo
$0
4.05% ▲ 1.02% above Virginia avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.03%▲ 1.02% above avgNationally 2.92%
Details

Term: 4 to 5 Years (1,461 to 1,825 days); Jumbo ($100k minimum); Early Withdrawal Penalty: 180 Days' Dividends

Rate History
No change since Oct 19, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 19, 2026: 4.05% APYOct 19, 2026Oct 25, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
Investment Certificate - 5 Years (1,826 to 2,190 days) Jumbo
$0
4.05% ▲ 1.02% above Virginia avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.03%▲ 1.02% above avgNationally 2.92%
Details

Jumbo ($100k minimum); Early Withdrawal Penalty: 180 Days' Dividends

Rate History
No change since Oct 19, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 19, 2026: 4.05% APYOct 19, 2026Oct 25, 2026
Homebase Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
60 Month Share Certificate
$2,500
4.02% ▲ 0.99% above Virginia avg
View
▼
Rate3.95%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.03%▲ 0.99% above avgNationally 2.92%
Details

Rates effective as of 10/15/2026; Dividend Rate with APY; minimum balance of $2,500.00 to open and earn dividends; early withdrawal penalty is 180 days of dividends

Rate History
2 changes since Sep 17, 2026 · 3.75% → 4.02% ▲ 0.27 pts · high 4.02% / low 3.75%
3.25%3.89%4.52%Sep 17, 2026: 3.75% APYOct 15, 2026: 3.82% APYOct 23, 2026: 4.02% APYSep 17, 2026Oct 25, 2026
  • Oct 23, 20264.02%▲ from 3.82%
  • Oct 15, 20263.82%▲ from 3.75%
  • Sep 17, 20263.75%first recorded
Salem VA Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
60 Month Certificate
$50,000
4.00% ▲ 0.97% above Virginia avg
View
▼
Rate3.93%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.03%▲ 0.97% above avgNationally 2.92%
Details

Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 22, 2026: 4.00% APYOct 22, 2026Oct 25, 2026
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
Share Certificate - 5 Year Certificate
$1,000
4.00% ▲ 0.97% above Virginia avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.03%▲ 0.97% above avgNationally 2.92%
Details

Rates effective as of 10/22/2026

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
Argent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
60 Month IRA Certificates
$0
4.00% ▲ 0.97% above Virginia avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.03%▲ 0.97% above avgNationally 2.92%
Details

A penalty will be imposed for early withdrawal on all IRA Certificates

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
Argent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
Certificates - 60 month
$0
4.00% ▲ 0.97% above Virginia avg
View
▼
Rate3.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.03%▲ 0.97% above avgNationally 2.92%
Details

Effective: July 1, 2026

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
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
4 - 5 Year Business Investment Certificate
$1,000
4.00% ▲ 0.97% above Virginia avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.03%▲ 0.97% above avgNationally 2.92%
Details

Term: 4 to 5 Years (1,461 to 1,825 days); Early Withdrawal Penalty: 240 Days' Dividends

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 25, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
4 - 5 Year Investment Certificate
$1,000
4.00% ▲ 0.97% above Virginia avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.03%▲ 0.97% above avgNationally 2.92%
Details

Term: 4 to 5 Years (1,461 to 1,825 days); Early Withdrawal Penalty: 180 Days' Dividends

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 25, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
5 Year Business Investment Certificate
$1,000
4.00% ▲ 0.97% above Virginia avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.03%▲ 0.97% above avgNationally 2.92%
Details

Term: 5 Years (1,826 to 2,190 days); Early Withdrawal Penalty: 240 Days' Dividends

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
5 Year Investment Certificate
$1,000
4.00% ▲ 0.97% above Virginia avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.03%▲ 0.97% above avgNationally 2.92%
Details

Term: 5 Years (1,826 to 2,190 days); Early Withdrawal Penalty: 180 Days' Dividends

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 25, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
Investment Certificate - 4 to 5 Years (1,461 to 1,825 days)
$1,000
4.00% ▲ 0.97% above Virginia avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.03%▲ 0.97% above avgNationally 2.92%
Details

Term: 4 to 5 Years (1,461 to 1,825 days); Early Withdrawal Penalty: 180 Days' Dividends

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
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
Investment Certificate - 5 Years (1,826 to 2,190 days)
$1,000
4.00% ▲ 0.97% above Virginia avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.03%▲ 0.97% above avgNationally 2.92%
Details

Early Withdrawal Penalty: 180 Days' Dividends

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
Vantage Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
60 Month Share & IRA Share Certificates
$0
3.97% ▲ 0.94% above Virginia avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.03%▲ 0.94% above avgNationally 2.92%
Details

Rate History
No change since Oct 13, 2026 · 3.97% APY · checked 3 times
3.47%3.97%4.47%Oct 13, 2026: 3.97% APYOct 13, 2026Oct 25, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
60 Month Certificate
$0
3.97% ▲ 0.94% above Virginia avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.03%▲ 0.94% above avgNationally 2.92%
Details

Rate History
1 change since Sep 14, 2026 · 3.84% → 3.97% ▲ 0.13 pts · high 3.97% / low 3.84%
3.34%3.91%4.47%Sep 14, 2026: 3.84% APYOct 23, 2026: 3.97% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20263.97%▲ from 3.84%
  • Sep 14, 20263.84%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
IRA Certificate 60 Month
$0
3.97% ▲ 0.94% above Virginia avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.03%▲ 0.94% above avgNationally 2.92%
Details

Minimum daily balance to earn APY: $2,000; Effective as of Friday, October 23rd, 2026; A penalty will or may be imposed for early withdrawal

Rate History
No change since Oct 23, 2026 · 3.97% APY
3.47%3.97%4.47%Oct 23, 2026: 3.97% APYOct 23, 2026Oct 25, 2026
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
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%
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%
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
Salem VA Medical Center Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
60 Month Certificate
$1,000
3.90% ▲ 0.87% above Virginia avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.03%▲ 0.87% above avgNationally 2.92%
Details

Rate History
No change since Oct 22, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 22, 2026: 3.90% APYOct 22, 2026Oct 25, 2026
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 Massies Mill, Virginia Institutions

Highest verified APYs available today, updated October 23, 2026

B Top 5 Bank Rates
HSBC Bank USA
New Money CD - 24 Month
A+ 5.0 ★ TX: 4.86%
Min: $1,000
4.60%
EagleBank
12 Month CD
A 5.0 ★ TX: 11.84%
Min: $1,000
4.45%
SFGI Direct
18-Month CD
A 5.0 ★ TX: 7.39%
Min: $1,000
4.40%
City National Bank
Special 12-Month Fixed Rate CD
A+ 5.0 ★ TX: 5.55%
Min: $2,500
4.39%
TD Bank
24 Month TD Choice CD
A+ 5.0 ★ TX: 3.71%
Min: $250
4.30%
CU Top 5 Credit Union Rates
Congressional Federal Credit Union
Share Certificate - Flexible Saver - 1 Year Certificate
A 5.0 ★ TX: 8.63%
Min: $100
6.00%
Truliant Federal Credit Union
Limited-Time 12 Month Term (new external funds required)
A 5.0 ★ TX: 6.43%
Min: $0
5.00%
Apple Federal Credit Union
12-Month Starter Certificate
A+ 5.0 ★ TX: 2.85%
Min: $50
5.00%
Beach Municipal Federal Credit Union
60 Month Youth Share Certificate
A+ 5.0 ★ TX: 2.63%
Min: $0
5.00%
Skyla Federal Credit Union
48 Month Elite Jumbo CD
A 5.0 ★ TX: 9.56%
Min: $250,000
4.75%
Rates verified October 23, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Massies Mill, VA CD Rate Trends

Compare local Massies Mill, 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.

Powered by MonitorBankRates

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 Massies Mill, 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 Massies Mill, Virginia
29 Banks 66 Credit Unions

About Our Massies Mill, Virginia CD Rate Database

MonitorBankRates tracks 1,619 CD rates from 29 banks and 66 credit unions with locations in Massies Mill, 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: Congressional Federal Credit Union offers a CD at 6.00% APY with a minimum deposit of $100. Use the rate table above to compare all current offers in Massies Mill, Virginia.

How to Find the Best CD Rates in Massies Mill, Virginia

What to compare when shopping for a CD in Massies Mill, Virginia

To find the best APYs in Massies Mill, Virginia, start with credit unions and online-only banks: Massies Mill, Virginia has 66 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 Massies Mill, 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 Massies Mill, Virginia: 95 institutions here report CD rates

Consider an Alternative If…

Virginia Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024 (state-level data shown; city data not available)

Population 65+
16.7%
National avg: 17.3%
Median Individual Earnings
$51,121
National avg: $47,340
Poverty Rate
9.9%
National avg: 11.1%
Unemployment Rate
4.1%
National avg: 4.8%
CD Earnings on 10% of Salary
$156/yr
At VA 12-mo avg 3.057% APY

16.7% 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 ($5,112/year) and putting it in a CD would earn an additional $156 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 Massies Mill, 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 Massies Mill, 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 Massies Mill, 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 Massies Mill, Virginia as everywhere in the U.S.

Choosing a CD Term in Massies Mill, 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 Massies Mill, Virginia savers easier access to their funds. For example, Chartway Credit Union is offering its 6 Month Promo Certificate at 4.30% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Beach Municipal Federal Credit Union is offering its 60 Month Youth Share Certificate at 5.00% 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 Massies Mill, 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 Massies Mill, 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 Massies Mill, 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 Massies Mill, 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 Massies Mill, Virginia

Most CDs carry a fixed rate that is locked for the entire term, protecting a Massies Mill, 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 Massies Mill, Virginia

Are CD rates in Massies Mill, Virginia FDIC insured?

Yes, most established banks in Massies Mill, 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 Massies Mill, 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 Massies Mill, 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 Massies Mill, 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 Massies Mill, Virginia?

Here are recent top rates found for this area:
  • Congressional Federal Credit Union: 6.00% APY (Share Certificate - Flexible Saver - 1 Year Certificate)
  • Truliant Federal Credit Union: 5.00% APY (Limited-Time 12 Month Term (new external funds required))
  • Apple Federal Credit Union: 5.00% APY (12-Month Starter Certificate)
  • Beach Municipal Federal Credit Union: 5.00% APY (60 Month Youth Share Certificate)
  • Skyla Federal Credit Union: 4.75% APY (48 Month Elite Jumbo CD)
  • HSBC Bank USA: 4.60% APY (New Money CD - 24 Month)
  • PAHO WHO Federal Credit Union: 4.59% APY (36 Month Share Certificate)
  • NASA Federal Credit Union: 4.55% APY (Share Certificate - 60 months)
  • Signal Financial Federal Credit Union: 4.50% APY (60 Month Share Certificates)
  • Hanscom Federal Credit Union: 4.50% APY (12 Month IRA Certificates)
Rates reflect recent verified offers available in Massies Mill, Virginia. Last Updated: October 23, 2026

Massies Mill, 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 Massies Mill, 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 Massies Mill, 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 Massies Mill, Virginia. Averages shown use the Virginia state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Massies Mill, Virginia

Massies Mill, Virginia CD Calculator

At today’s VA top rate of 6.00% APY, a $10,000 deposit earns $600 in the first year. Enter your amount to see your exact return.

Massies Mill, 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 Massies Mill, Virginia CD at 6.00% 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 Massies Mill, 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 Massies Mill, 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 Massies Mill, 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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