Richmond, Virginia Best CD Rates October 2026
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Brian McKay
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Brian McKay
Brian McKay
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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.
Richmond, Virginia CD rates range from 0.02% to 6.00% APY, verified by MonitorBankRates as of October 23, 2026. Current Richmond, Virginia CD rates include Navy Federal Credit UnionNavy Federal Credit Union5445 Glenside Dr, Richmond, VA 23228A5.0 ★Texas Ratio: 8.14%Real return: +0.65%APY minus CPIRate verified Oct 20, 2026 offering 12 Month Special EasyStart Certificate at 4.35% APY, Henrico Federal Credit UnionHenrico Federal Credit Union1201 N Laburnum Ave, Richmond, VA 23223A5.0 ★Texas Ratio: 8.10%Real return: +0.40%APY minus CPIRate verified Oct 23, 2026 offering 36 Month Certificate at 4.10% APY, FRB Federal Credit UnionFRB Federal Credit Union12560 W Creek Pkwy, Richmond, VA 23238 1110A5.0 ★Texas Ratio: 9.32%Real return: +0.38%APY minus CPIRate verified Oct 23, 2026 offering 12 Month Term Share Certificate at 4.08% APY, Blue Ridge Bank National AssociationBlue Ridge Bank National Association1801 Bayberry Ct, Richmond, VA 23226A5.0 ★Texas Ratio: 8.11%Real return: +0.35%APY minus CPIRate verified Oct 22, 2026 offering 12 Month Golden Advantage Certificate of Deposit & Specials at 4.05% APY, and Virginia Credit UnionVirginia Credit Union4001 Lauderdale Dr, Richmond, VA 23233A5.0 ★Texas Ratio: 6.40%Real return: +0.35%APY minus CPIRate verified Oct 19, 2026 offering 12 month certificate at 4.05% APY. CD rates as of October 23, 2026 according to verified data from MonitorBankRates.
Richmond has 246 local institutions in our database, with CD rates as high as 4.35% APY from Navy Federal Credit Union at 5445 Glenside Dr, Richmond, VA 23228. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Virginia area. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 23, 2026
Compare Best CD Rates in Richmond, Virginia & the Surrounding Area
Richmond 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
7000 Three Chopt Rd, Richmond, VA 23226
3 Month Standard CD
$1,000
3.00%
▲ 1.31% above Virginia avg
▼
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
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2401 Sheila Ln, Richmond, VA 23225
3 Month Certificate of Deposit
$500
2.00%
▲ 0.31% above Virginia avg
▼
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
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5445 Glenside Dr, Richmond, VA 23228
3 Month Short-Term Certificate
$0
1.55%
▼ 0.14% below Virginia avg
▼
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
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5445 Glenside Dr, Richmond, VA 23228
3 Month Short-Term Certificate
$0
1.50%
▼ 0.19% below Virginia avg
▼
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
First Bank Strasburg, VA
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
5601 Patterson Ave, Richmond, VA 23226
Certificate of Deposit (CD) - 3 Months
$500
0.75%
▼ 0.94% below Virginia avg
▼
Rate0.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average1.69%▼ 0.94% below avgNationally 2.13%
Details
Rates effective as of September 30, 2026; Minimum opening deposit is $500; interest accrues daily and compounds quarterly
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 9 times
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
9030 Stony Point Pkwy, Richmond, VA 23235
Certificate of Deposit - 3-Month
$0
0.70%
▼ 0.99% below Virginia avg
▼
Rate0.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average1.69%▼ 0.99% below avgNationally 2.13%
Details
Rate History
No change since Sep 18, 2026 · 0.70% APY · checked 8 times
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
9954 Mayland Dr, Richmond, VA 23233
3 Month Standard Rate CDs
$500
0.50%
▼ 1.19% below Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average1.69%▼ 1.19% below avgNationally 2.13%
Details
Rate History
No change since Sep 18, 2026 · 0.50% APY · checked 7 times
Chesapeake Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
1900 Lauderdale Dr, Richmond, VA 23238
90 Day Certificate
$0
0.50%
▼ 1.19% below Virginia avg
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average1.69%▼ 1.19% below avgNationally 2.13%
Details
Certificate ($1,000 minimum balance)
Rate History
No change since Sep 8, 2026 · 0.50% APY · checked 10 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1021 E Cary St, Richmond, VA 23219
Standard Fixed Rate CD 3 month - Relationship
$2,500
0.06%
▼ 1.63% below Virginia avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average1.69%▼ 1.63% below avgNationally 2.13%
Details
Relationship rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 4 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1021 E Cary St, Richmond, VA 23219
Standard Fixed Rate CD 3 month
$2,500
0.05%
▼ 1.64% below Virginia avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average1.69%▼ 1.64% below avgNationally 2.13%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
919 E Main St, Richmond, VA 23219
3 Month Personal Certificate of Deposit
$1,000
0.05%
▼ 1.64% below Virginia avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average1.69%▼ 1.64% below avgNationally 2.13%
Details
Standard rate for all terms 7 days - 60 months, all balances; Rates as of 5/12/2026
Rate History
No change since Oct 23, 2026 · 0.05% APY
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
▼
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
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
▼
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%
- 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
▼
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
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
▼
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
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Certificate of Deposit - 3 Months
$1,000
3.65%
▲ 1.96% above Virginia avg
▼
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
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
▼
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%
- 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
▼
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
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
▼
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
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
CD - 3 Month
$0
2.94%
▲ 1.25% above Virginia avg
▼
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
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
▼
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
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
3-Month Certificate
$0
2.85%
▲ 1.16% above Virginia avg
▼
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%
- 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
▼
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
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
3 Month Personal CD
$0
2.78%
▲ 1.09% above Virginia avg
▼
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
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
3 Month Term
$0
2.50%
▲ 0.81% above Virginia avg
▼
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
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
▼
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
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
3 Month Term
$0
2.45%
▲ 0.76% above Virginia avg
▼
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
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
▼
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
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
3 Month Term
$0
2.40%
▲ 0.71% above Virginia avg
▼
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
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
▼
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
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
3 Month Term
$0
2.34%
▲ 0.65% above Virginia avg
▼
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
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
▼
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
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
▼
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
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
▼
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
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
▼
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
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
▼
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
Richmond 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.32%
12560 W Creek Pkwy, Richmond, VA 23238 1110
6 Month Term Share Certificate
$1,000
3.89%
▲ 1.26% above Virginia avg
▼
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
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
11776 W Broad St, Richmond, VA 23233
6-Month Term CD
$1,000
3.75%
▲ 1.12% above Virginia avg
▼
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
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
11776 W Broad St, Richmond, VA 23233
Term CD - 6-Month
$1,000
3.75%
▲ 1.12% above Virginia avg
▼
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
SouthState Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
1776 Staples Mill Rd, Richmond, VA 23230
6 Month Certificate of Deposit
$1,000
3.15%
▲ 0.52% above Virginia avg
▼
Rate3.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average2.63%▲ 0.52% above avgNationally 2.78%
Details
Advertised interest rates and APY for CDs are subject to change prior to account opening and fixed upon opening for the term. APY assumes monthly compounding.
Rate History
No change since Oct 22, 2026 · 3.15% APY
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
7000 Three Chopt Rd, Richmond, VA 23226
6 Month Standard CD
$1,000
3.00%
▲ 0.37% above Virginia avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.63%▲ 0.37% above avgNationally 2.78%
Details
Standard CD/IRA term; minimum opening deposit CD $1,000, IRA $500
Rate History
No change since Oct 20, 2026 · 3.00% APY
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
50 W Commerce Rd, Richmond, VA 23224 2316
Share Certificate - 6 months
$500
2.75%
▲ 0.12% above Virginia avg
▼
Rate2.71%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.63%▲ 0.12% above avgNationally 2.78%
Details
Dividend Rate 2.71%; Dividends compounded and credited quarterly; penalty for early withdrawal
Rate History
No change since Sep 25, 2026 · 2.75% APY · checked 6 times
Henrico Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
1201 N Laburnum Ave, Richmond, VA 23223
6 Month Certificate
$0
2.75%
▲ 0.12% above Virginia avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.63%▲ 0.12% above avgNationally 2.78%
Details
Balance: $100,000 and over
Rate History
1 change since Sep 21, 2026 · 2.50% → 2.75% ▲ 0.25 pts · high 2.75% / low 2.50%
- Oct 5, 20262.75%▲ from 2.50%
- Sep 21, 20262.50%first recorded
Call Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
4605 Commerce Rd, Richmond, VA 23234 2233
Certificate Account - 6 Months
$1,000
2.50%
▼ 0.13% below Virginia avg
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.63%▼ 0.13% below avgNationally 2.78%
Details
Last Dividend Declaration Date for Certificates: October 1, 2026
Rate History
No change since Oct 15, 2026 · 2.50% APY · checked 2 times
Argent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
400 N 8th St, Richmond, VA 23219
6 Month IRA Certificates
$0
2.50%
▼ 0.13% below Virginia avg
▼
Rate2.48%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.63%▼ 0.13% below avgNationally 2.78%
Details
A penalty will be imposed for early withdrawal on all IRA Certificates
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 6 times
Argent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
400 N 8th St, Richmond, VA 23219
Certificates - 6 month
$0
2.50%
▼ 0.13% below Virginia avg
▼
Rate2.48%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.63%▼ 0.13% below avgNationally 2.78%
Details
Effective: July 1, 2026
Rate History
No change since Oct 23, 2026 · 2.50% APY
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
4001 Lauderdale Dr, Richmond, VA 23233
6 month certificate
$100,000
2.35%
▼ 0.28% below Virginia avg
▼
Rate2.33%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.63%▼ 0.28% below avgNationally 2.78%
Details
Compounding: Monthly
Rate History
No change since Sep 30, 2026 · 2.35% APY · checked 5 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2401 Sheila Ln, Richmond, VA 23225
6 Month Certificate of Deposit
$500
2.25%
▼ 0.38% below Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.63%▼ 0.38% below avgNationally 2.78%
Details
APY calculated on monthly compounding assuming interest remains on deposit until maturity
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 9 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2401 Sheila Ln, Richmond, VA 23225
6 Month IRA Certificate of Deposit
$500
2.25%
▼ 0.38% below Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.63%▼ 0.38% below avgNationally 2.78%
Details
Early withdrawal penalties may apply
Rate History
No change since Sep 27, 2026 · 2.25% APY · checked 2 times
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
4001 Lauderdale Dr, Richmond, VA 23233
6 month certificate
$50,000
2.25%
▼ 0.38% below Virginia avg
▼
Rate2.23%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.63%▼ 0.38% below avgNationally 2.78%
Details
Compounding: Monthly
Rate History
No change since Sep 30, 2026 · 2.25% APY · checked 5 times
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
4001 Lauderdale Dr, Richmond, VA 23233
6 month certificate
$500
2.15%
▼ 0.48% below Virginia avg
▼
Rate2.13%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.63%▼ 0.48% below avgNationally 2.78%
Details
Compounding: Quarterly
Rate History
No change since Sep 30, 2026 · 2.15% APY · checked 5 times
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
9954 Mayland Dr, Richmond, VA 23233
6 Month Standard Rate CDs
$500
1.75%
▼ 0.88% below Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average2.63%▼ 0.88% below avgNationally 2.78%
Details
Rate History
No change since Sep 18, 2026 · 1.75% APY · checked 7 times
Blue Ridge Bank National Association
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
1801 Bayberry Ct, Richmond, VA 23226
6 Month Business Certificates of Deposit
$0
1.60%
▼ 1.03% below Virginia avg
▼
Rate1.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average2.63%▼ 1.03% below avgNationally 2.78%
Details
Minimum balance to open is $1,000; penalty may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 1.60% APY · checked 3 times
Blue Ridge Bank National Association
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
1801 Bayberry Ct, Richmond, VA 23226
6 Month Consumer Certificates of Deposit
$0
1.60%
▼ 1.03% below Virginia avg
▼
Rate1.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average2.63%▼ 1.03% below avgNationally 2.78%
Details
Rate History
No change since Oct 20, 2026 · 1.60% APY · checked 2 times
Blue Ridge Bank National Association
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
1801 Bayberry Ct, Richmond, VA 23226
Business Certificates of Deposit - 6 Months
$1,000
1.60%
▼ 1.03% below Virginia avg
▼
Rate1.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average2.63%▼ 1.03% below avgNationally 2.78%
Details
Minimum balance to open is $1,000; APY effective as of 10/15/2026; early withdrawal penalty may apply
Rate History
No change since Oct 20, 2026 · 1.60% APY · checked 2 times
Credit Union of Richmond
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
1601 Ownby Ln, Richmond, VA 23220
Share/IRA Certificate - 6 Month
$0
1.51%
▼ 1.12% below Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.63%▼ 1.12% below avgNationally 2.78%
Details
Rate History
No change since Oct 13, 2026 · 1.51% APY · checked 2 times
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
1204 Broad Rock Blvd, Richmond, VA 23224 4916
Business Share Certificate - 6 Month
$500
1.20%
▼ 1.43% below Virginia avg
▼
Rate1.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.63%▼ 1.43% below avgNationally 2.78%
Details
Rate History
No change since Sep 12, 2026 · 1.20% APY · checked 3 times
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
1204 Broad Rock Blvd, Richmond, VA 23224 4916
Share Certificate - 6 Month
$500
1.20%
▼ 1.43% below Virginia avg
▼
Rate1.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.63%▼ 1.43% below avgNationally 2.78%
Details
Special certificate; Effective Date: 7/28/2026
Rate History
No change since Oct 15, 2026 · 1.20% APY · checked 2 times
Connects Federal Credit Union
Institution Rating:
D2.8 ★Texas Ratio: 21.58%
7700 Shrader Rd, Richmond, VA 23228
6 Month Share Certificate
$500
1.00%
▼ 1.63% below Virginia avg
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.63%▼ 1.63% below avgNationally 2.78%
Details
Effective October 1, 2026; Fixed term; A penalty may apply for early withdrawal
Rate History
No change since Sep 12, 2026 · 1.00% APY · checked 7 times
Connects Federal Credit Union
Institution Rating:
D2.8 ★Texas Ratio: 21.58%
7700 Shrader Rd, Richmond, VA 23228
Share Certificate - 6 months
$500
1.00%
▼ 1.63% below Virginia avg
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.63%▼ 1.63% below avgNationally 2.78%
Details
Dividends compounded Quarterly; Dividends credited Quarterly; Additional deposits not allowed; Withdrawals dividends only; A penalty may apply for early withdrawal
Rate History
No change since Sep 12, 2026 · 1.00% APY · checked 7 times
First Bank Strasburg, VA
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
5601 Patterson Ave, Richmond, VA 23226
Certificate of Deposit (CD) - 6 Months
$500
0.89%
▼ 1.74% below Virginia avg
▼
Rate0.89%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average2.63%▼ 1.74% below avgNationally 2.78%
Details
Rates effective as of September 30, 2026; Minimum opening deposit is $500; interest accrues daily and compounds quarterly
Rate History
No change since Sep 14, 2026 · 0.89% APY · checked 9 times
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
9030 Stony Point Pkwy, Richmond, VA 23235
Certificate of Deposit - 6-Month
$0
0.70%
▼ 1.93% below Virginia avg
▼
Rate0.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.63%▼ 1.93% below avgNationally 2.78%
Details
Rate History
No change since Sep 18, 2026 · 0.70% APY · checked 8 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1021 E Cary St, Richmond, VA 23219
Standard Fixed Rate CD 6 month - Relationship
$2,500
0.06%
▼ 2.57% below Virginia avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.63%▼ 2.57% below avgNationally 2.78%
Details
Relationship rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 4 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1021 E Cary St, Richmond, VA 23219
Standard Fixed Rate CD 6 month
$2,500
0.05%
▼ 2.58% below Virginia avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.63%▼ 2.58% below avgNationally 2.78%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 27, 2026 · 0.05% APY · checked 4 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
919 E Main St, Richmond, VA 23219
6 Month Personal Certificate of Deposit
$1,000
0.05%
▼ 2.58% below Virginia avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.63%▼ 2.58% below avgNationally 2.78%
Details
Standard rate for all terms 7 days - 60 months, all balances; Rates as of 5/12/2026
Rate History
No change since Oct 23, 2026 · 0.05% APY
Chartway Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
6 Month Promo Certificate
$0
4.30%
▲ 1.67% above Virginia avg
▼
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
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
▼
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%
- 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
▼
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%
- 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
▼
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
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
▼
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%
- 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
▼
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%
- 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
▼
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
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Certificate of Deposit - 6 Months
$1,000
4.20%
▲ 1.57% above Virginia avg
▼
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
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
▼
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
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
▼
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
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
▼
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%
- 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
▼
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
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
▼
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
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
▼
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%
- 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
▼
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
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
▼
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
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
▼
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
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
▼
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
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
▼
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%
- 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
▼
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
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
▼
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%
- Oct 5, 20264.00%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Richmond 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5445 Glenside Dr, Richmond, VA 23228
12 Month Special EasyStart Certificate
$50
4.35%
▲ 1.29% above Virginia avg
▼
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
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5445 Glenside Dr, Richmond, VA 23228
12 Month Short-Term Certificate
$0
4.10%
▲ 1.04% above Virginia avg
▼
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
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.32%
12560 W Creek Pkwy, Richmond, VA 23238 1110
12 Month Term Share Certificate
$1,000
4.08%
▲ 1.02% above Virginia avg
▼
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
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5445 Glenside Dr, Richmond, VA 23228
12 Month Short-Term Certificate
$0
4.05%
▲ 0.99% above Virginia avg
▼
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
Blue Ridge Bank National Association
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
1801 Bayberry Ct, Richmond, VA 23226
12 Month Golden Advantage Certificate of Deposit & Specials
$0
4.05%
▲ 0.99% above Virginia avg
▼
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
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
4001 Lauderdale Dr, Richmond, VA 23233
12 month certificate
$100,000
4.05%
▲ 0.99% above Virginia avg
▼
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
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
4001 Lauderdale Dr, Richmond, VA 23233
12 month IRA
$100,000
4.05%
▲ 0.99% above Virginia avg
▼
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
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5445 Glenside Dr, Richmond, VA 23228
12 Month EasyStart Certificate
$50
4.00%
▲ 0.94% above Virginia avg
▼
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
RVA Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.24%
1700 Robin Hood Rd, Richmond, VA 23220
12 Month Certificate
$0
4.00%
▲ 0.94% above Virginia avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.06%▲ 0.94% above avgNationally 2.99%
Details
Fixed rate; Dividend Period: Monthly; Early withdrawal penalty: 180 days interest; Renewals: Automatic with 7 day grace period
Rate History
No change since Oct 4, 2026 · 4.00% APY · checked 4 times
Henrico Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
1201 N Laburnum Ave, Richmond, VA 23223
12 Month Certificate
$0
4.00%
▲ 0.94% above Virginia avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.06%▲ 0.94% above avgNationally 2.99%
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%
- Oct 5, 20264.00%▲ from 3.80%
- Sep 21, 20263.80%first recorded
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
11776 W Broad St, Richmond, VA 23233
1-Year Term CD
$1,000
4.00%
▲ 0.94% above Virginia avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.06%▲ 0.94% above avgNationally 2.99%
Details
Rate History
No change since Oct 19, 2026 · 4.00% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
11776 W Broad St, Richmond, VA 23233
Term CD - 1-Year
$1,000
4.00%
▲ 0.94% above Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.06%▲ 0.94% above avgNationally 2.99%
Details
Minimum of $1,000 to open your account; 1-Year Term CD renews automatically for the same term
Rate History
No change since Oct 19, 2026 · 4.00% APY
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
4001 Lauderdale Dr, Richmond, VA 23233
12 month certificate
$50,000
3.95%
▲ 0.89% above Virginia avg
▼
Rate3.88%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.06%▲ 0.89% above avgNationally 2.99%
Details
Compounding: Monthly
Rate History
No change since Sep 30, 2026 · 3.95% APY · checked 5 times
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
4001 Lauderdale Dr, Richmond, VA 23233
12 month IRA
$50,000
3.95%
▲ 0.89% above Virginia avg
▼
Rate3.88%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.06%▲ 0.89% above avgNationally 2.99%
Details
Compounding: Monthly
Rate History
No change since Oct 6, 2026 · 3.95% APY · checked 4 times
Argent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
400 N 8th St, Richmond, VA 23219
12 Month IRA Certificates
$0
3.90%
▲ 0.84% above Virginia avg
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.06%▲ 0.84% above avgNationally 2.99%
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
Argent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
400 N 8th St, Richmond, VA 23219
Certificates - 12 month
$0
3.90%
▲ 0.84% above Virginia avg
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.06%▲ 0.84% above avgNationally 2.99%
Details
Effective: July 1, 2026
Rate History
No change since Oct 23, 2026 · 3.90% APY
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
4001 Lauderdale Dr, Richmond, VA 23233
12 month certificate
$5,000
3.86%
▲ 0.80% above Virginia avg
▼
Rate3.80%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.06%▲ 0.80% above avgNationally 2.99%
Details
Compounding: Monthly
Rate History
No change since Sep 30, 2026 · 3.86% APY · checked 5 times
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
4001 Lauderdale Dr, Richmond, VA 23233
12 month IRA
$5,000
3.86%
▲ 0.80% above Virginia avg
▼
Rate3.80%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.06%▲ 0.80% above avgNationally 2.99%
Details
Compounding: Monthly
Rate History
No change since Oct 6, 2026 · 3.86% APY · checked 4 times
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
4001 Lauderdale Dr, Richmond, VA 23233
12 month certificate
$500
3.85%
▲ 0.79% above Virginia avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.06%▲ 0.79% above avgNationally 2.99%
Details
Compounding: Quarterly
Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 5 times
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
4001 Lauderdale Dr, Richmond, VA 23233
12 month IRA
$100
3.85%
▲ 0.79% above Virginia avg
▼
Rate3.80%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.06%▲ 0.79% above avgNationally 2.99%
Details
Compounding: Quarterly
Rate History
No change since Oct 6, 2026 · 3.85% APY · checked 4 times
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
50 W Commerce Rd, Richmond, VA 23224 2316
Share Certificate - 12 months
$500
3.75%
▲ 0.69% above Virginia avg
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.06%▲ 0.69% above avgNationally 2.99%
Details
Dividend Rate 3.68%; Dividends compounded and credited quarterly; penalty for early withdrawal
Rate History
No change since Sep 25, 2026 · 3.75% APY · checked 6 times
Hopewell Chemical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
2000 Richmond Hwy, Richmond, VA 23224 7608
Share Certificate 12 Months
$0
3.44%
▲ 0.38% above Virginia avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.06%▲ 0.38% above avgNationally 2.99%
Details
Dividend rate and APY fixed for the duration of the certificate; penalty for early withdrawal
Rate History
No change since Sep 21, 2026 · 3.44% APY · checked 6 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
919 E Main St, Richmond, VA 23219
12 Month CD Special
$0
3.25%
▲ 0.19% above Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.06%▲ 0.19% above avgNationally 2.99%
Details
Special rate on select new CD accounts for balances $100,000 and above; open with a Truist banker; renews at the standard rate (0.05% APY)
Rate History
No change since Oct 15, 2026 · 3.25% APY · checked 2 times
Call Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
4605 Commerce Rd, Richmond, VA 23234 2233
Certificate Account - 12 Months
$1,000
3.25%
▲ 0.19% above Virginia avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.06%▲ 0.19% above avgNationally 2.99%
Details
Last Dividend Declaration Date for Certificates: October 1, 2026
Rate History
No change since Oct 15, 2026 · 3.25% APY · checked 2 times
Credit Union of Richmond
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
1601 Ownby Ln, Richmond, VA 23220
Share Certificate - 12 Month Youth Special
$0
3.03%
▼ 0.03% below Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.06%▼ 0.03% below avgNationally 2.99%
Details
Balance: $500 min. / $3,000 max; Available for share certificate only
Rate History
No change since Oct 19, 2026 · 3.03% APY
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
7000 Three Chopt Rd, Richmond, VA 23226
1 Year Standard CD
$1,000
3.00%
▼ 0.06% below Virginia avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average3.06%▼ 0.06% below avgNationally 2.99%
Details
Standard CD/IRA term; minimum opening deposit CD $1,000, IRA $500
Rate History
No change since Oct 20, 2026 · 3.00% APY
Chesapeake Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
1900 Lauderdale Dr, Richmond, VA 23238
Roth IRA 1 Year
$100
3.00%
▼ 0.06% below Virginia avg
▼
Rate2.97%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average3.06%▼ 0.06% below avgNationally 2.99%
Details
Individual Retirement Accounts (IRAs); Balance: $100 minimum; Interest Rate 2.97%; penalty for early withdrawal may apply; renews automatically within 10 calendar days of maturity
Rate History
No change since Oct 20, 2026 · 3.00% APY · checked 2 times
Chesapeake Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
1900 Lauderdale Dr, Richmond, VA 23238
Traditional IRA 1 Year
$100
3.00%
▼ 0.06% below Virginia avg
▼
Rate2.97%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average3.06%▼ 0.06% below avgNationally 2.99%
Details
Individual Retirement Accounts (IRAs); Balance: $100 minimum; Interest Rate 2.97%; penalty for early withdrawal may apply; renews automatically within 10 calendar days of maturity
Rate History
No change since Oct 20, 2026 · 3.00% APY · checked 2 times
Credit Union of Richmond
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
1601 Ownby Ln, Richmond, VA 23220
Share Certificate - Century 12 Month
$0
2.52%
▼ 0.54% below Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.06%▼ 0.54% below avgNationally 2.99%
Details
Available for share certificate only
Rate History
No change since Oct 19, 2026 · 2.52% APY
Credit Union of Richmond
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
1601 Ownby Ln, Richmond, VA 23220
Share/IRA Certificate - 12 Month
$0
2.52%
▼ 0.54% below Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.06%▼ 0.54% below avgNationally 2.99%
Details
Rate History
No change since Oct 13, 2026 · 2.52% APY · checked 2 times
Credit Union of Richmond
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
1601 Ownby Ln, Richmond, VA 23220
Share/IRA Certificate - Jumbo 12 Month
$0
2.52%
▼ 0.54% below Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.06%▼ 0.54% below avgNationally 2.99%
Details
Rate History
No change since Oct 19, 2026 · 2.52% APY
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
11776 W Broad St, Richmond, VA 23233
12 Month Certificate of Deposit
$500
2.00%
▼ 1.06% below Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average3.06%▼ 1.06% below avgNationally 2.99%
Details
Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 7 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2401 Sheila Ln, Richmond, VA 23225
1 Year Certificate of Deposit
$500
2.00%
▼ 1.06% below Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average3.06%▼ 1.06% below avgNationally 2.99%
Details
APY calculated on monthly compounding assuming interest remains on deposit until maturity
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 9 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2401 Sheila Ln, Richmond, VA 23225
1 Year IRA Certificate of Deposit
$500
2.00%
▼ 1.06% below Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average3.06%▼ 1.06% below avgNationally 2.99%
Details
Early withdrawal penalties may apply
Rate History
No change since Sep 27, 2026 · 2.00% APY · checked 2 times
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
9954 Mayland Dr, Richmond, VA 23233
1 Year Standard Rate CDs
$500
2.00%
▼ 1.06% below Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average3.06%▼ 1.06% below avgNationally 2.99%
Details
Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 7 times
Connects Federal Credit Union
Institution Rating:
D2.8 ★Texas Ratio: 21.58%
7700 Shrader Rd, Richmond, VA 23228
1 Year IRA Share Certificate
$1,000
1.97%
▼ 1.09% below Virginia avg
▼
Rate1.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.06%▼ 1.09% below avgNationally 2.99%
Details
Dividends compounded Quarterly; Dividends credited Quarterly; Additional deposits not allowed; Withdrawals dividends only; A penalty may apply for early withdrawal
Rate History
No change since Sep 12, 2026 · 1.97% APY · checked 7 times
Connects Federal Credit Union
Institution Rating:
D2.8 ★Texas Ratio: 21.58%
7700 Shrader Rd, Richmond, VA 23228
Share Certificate - 1 year
$1,000
1.96%
▼ 1.10% below Virginia avg
▼
Rate1.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.06%▼ 1.10% below avgNationally 2.99%
Details
Dividends compounded Quarterly; Dividends credited Quarterly; Additional deposits not allowed; Withdrawals dividends only; A penalty may apply for early withdrawal
Rate History
No change since Sep 12, 2026 · 1.96% APY · checked 7 times
Blue Ridge Bank National Association
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
1801 Bayberry Ct, Richmond, VA 23226
12 Month Business Certificates of Deposit
$0
1.80%
▼ 1.26% below Virginia avg
▼
Rate1.79%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average3.06%▼ 1.26% below avgNationally 2.99%
Details
Minimum balance to open is $1,000; penalty may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 1.80% APY · checked 3 times
Blue Ridge Bank National Association
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
1801 Bayberry Ct, Richmond, VA 23226
12 Month Consumer Certificates of Deposit
$0
1.80%
▼ 1.26% below Virginia avg
▼
Rate1.79%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average3.06%▼ 1.26% below avgNationally 2.99%
Details
Rate History
No change since Oct 20, 2026 · 1.80% APY · checked 2 times
Blue Ridge Bank National Association
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
1801 Bayberry Ct, Richmond, VA 23226
Business Certificates of Deposit - 12 Months
$1,000
1.80%
▼ 1.26% below Virginia avg
▼
Rate1.79%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average3.06%▼ 1.26% below avgNationally 2.99%
Details
Minimum balance to open is $1,000; APY effective as of 10/15/2026; early withdrawal penalty may apply
Rate History
No change since Oct 20, 2026 · 1.80% APY · checked 2 times
SouthState Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
1776 Staples Mill Rd, Richmond, VA 23230
12 Month Certificate of Deposit
$1,000
1.75%
▼ 1.31% below Virginia avg
▼
Rate1.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average3.06%▼ 1.31% below avgNationally 2.99%
Details
Advertised interest rates and APY for CDs are subject to change prior to account opening and fixed upon opening for the term. APY assumes monthly compounding.
Rate History
No change since Oct 22, 2026 · 1.75% APY
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1021 E Cary St, Richmond, VA 23219
Standard Fixed Rate CD 1 year - Relationship
$2,500
1.51%
▼ 1.55% below Virginia avg
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average3.06%▼ 1.55% below avgNationally 2.99%
Details
Relationship rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 27, 2026 · 1.51% APY · checked 4 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1021 E Cary St, Richmond, VA 23219
Standard Fixed Rate CD 1 year
$2,500
1.50%
▼ 1.56% below Virginia avg
▼
Rate1.49%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average3.06%▼ 1.56% below avgNationally 2.99%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 27, 2026 · 1.50% APY · checked 4 times
First Bank Strasburg, VA
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
5601 Patterson Ave, Richmond, VA 23226
Certificate of Deposit (CD) - 12 Months
$500
1.00%
▼ 2.06% below Virginia avg
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average3.06%▼ 2.06% below avgNationally 2.99%
Details
Rates effective as of September 30, 2026; Minimum opening deposit is $500; interest accrues daily and compounds quarterly
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 9 times
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
1204 Broad Rock Blvd, Richmond, VA 23224 4916
Business Share Certificate - 12 Month
$500
1.00%
▼ 2.06% below Virginia avg
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.06%▼ 2.06% below avgNationally 2.99%
Details
Rate History
No change since Sep 12, 2026 · 1.00% APY · checked 3 times
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
1204 Broad Rock Blvd, Richmond, VA 23224 4916
Share Certificate - 12 Month
$500
1.00%
▼ 2.06% below Virginia avg
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.06%▼ 2.06% below avgNationally 2.99%
Details
Standard certificate; Effective Date: 7/28/2026
Rate History
No change since Oct 15, 2026 · 1.00% APY · checked 2 times
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
9030 Stony Point Pkwy, Richmond, VA 23235
Certificate of Deposit - 12-Month
$0
0.70%
▼ 2.36% below Virginia avg
▼
Rate0.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average3.06%▼ 2.36% below avgNationally 2.99%
Details
Rate History
No change since Sep 18, 2026 · 0.70% APY · checked 8 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
11776 W Broad St, Richmond, VA 23233
1-Year RampUp Plus CD
$25,000
0.25%
▼ 2.81% below Virginia avg
▼
Rate0.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.06%▼ 2.81% below avgNationally 2.99%
Details
Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 2 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
919 E Main St, Richmond, VA 23219
12 Month Personal Certificate of Deposit
$1,000
0.05%
▼ 3.01% below Virginia avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.06%▼ 3.01% below avgNationally 2.99%
Details
Standard rate for all terms 7 days - 60 months, all balances; Rates as of 5/12/2026
Rate History
No change since Oct 23, 2026 · 0.05% APY
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
▼
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
Richmond 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5445 Glenside Dr, Richmond, VA 23228
18 Month Short-Term Certificate
$0
4.15%
▲ 0.94% above Virginia avg
▼
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
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5445 Glenside Dr, Richmond, VA 23228
18 Month Short-Term Certificate
$0
4.10%
▲ 0.89% above Virginia avg
▼
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
Chesapeake Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
1900 Lauderdale Dr, Richmond, VA 23238
18 Month Certificate
$0
4.00%
▲ 0.79% above Virginia avg
▼
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
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
3124 W Broad St, Richmond, VA 23230
18 MONTH SELECT Certificate of Deposit
$1,000
3.85%
▲ 0.64% above Virginia avg
▼
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
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
3124 W Broad St, Richmond, VA 23230
18-Month M&T Select CD
$1,000
3.85%
▲ 0.64% above Virginia avg
▼
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
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
50 W Commerce Rd, Richmond, VA 23224 2316
Share Certificate - 18 months
$500
3.80%
▲ 0.59% above Virginia avg
▼
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
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5445 Glenside Dr, Richmond, VA 23228
18 Month EasyStart Certificate
$50
3.70%
▲ 0.49% above Virginia avg
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average3.21%▲ 0.49% above avgNationally 2.88%
Details
Share, IRA, ESA; Rates as of Oct 19, 2026 ET
Rate History
No change since Oct 20, 2026 · 3.70% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
11776 W Broad St, Richmond, VA 23233
18-Month Term CD
$1,000
2.75%
▼ 0.46% below Virginia avg
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.21%▼ 0.46% below avgNationally 2.88%
Details
Rate History
No change since Oct 19, 2026 · 2.75% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
11776 W Broad St, Richmond, VA 23233
Term CD - 18-Month
$1,000
2.75%
▼ 0.46% below Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.21%▼ 0.46% below avgNationally 2.88%
Details
Minimum of $1,000 to open your account; 18-Month CD renews as a 2-Year Term CD at the then-published APY
Rate History
No change since Oct 19, 2026 · 2.75% APY
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
4001 Lauderdale Dr, Richmond, VA 23233
18 month variable IRA
$100,000
2.70%
▼ 0.51% below Virginia avg
▼
Rate2.67%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.21%▼ 0.51% below avgNationally 2.88%
Details
Compounding: Monthly
Rate History
No change since Oct 6, 2026 · 2.70% APY · checked 4 times
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
4001 Lauderdale Dr, Richmond, VA 23233
18 month variable IRA
$50,000
2.60%
▼ 0.61% below Virginia avg
▼
Rate2.57%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.21%▼ 0.61% below avgNationally 2.88%
Details
Compounding: Monthly
Rate History
No change since Oct 6, 2026 · 2.60% APY · checked 4 times
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
4001 Lauderdale Dr, Richmond, VA 23233
18 month variable IRA
$5,000
2.51%
▼ 0.70% below Virginia avg
▼
Rate2.48%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.21%▼ 0.70% below avgNationally 2.88%
Details
Compounding: Monthly
Rate History
No change since Oct 6, 2026 · 2.51% APY · checked 4 times
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
4001 Lauderdale Dr, Richmond, VA 23233
18 month variable IRA
$500
2.50%
▼ 0.71% below Virginia avg
▼
Rate2.48%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.21%▼ 0.71% below avgNationally 2.88%
Details
Compounding: Quarterly
Rate History
No change since Oct 6, 2026 · 2.50% APY · checked 4 times
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
9954 Mayland Dr, Richmond, VA 23233
18 Month Standard Rate CDs
$500
1.80%
▼ 1.41% below Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average3.21%▼ 1.41% below avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 1.80% APY · checked 7 times
First Bank Strasburg, VA
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
5601 Patterson Ave, Richmond, VA 23226
Certificate of Deposit (CD) - 18 Months
$500
1.10%
▼ 2.11% below Virginia avg
▼
Rate1.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average3.21%▼ 2.11% below avgNationally 2.88%
Details
Rates effective as of September 30, 2026; Minimum opening deposit is $500; interest accrues daily and compounds quarterly
Rate History
No change since Sep 14, 2026 · 1.10% APY · checked 9 times
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
9030 Stony Point Pkwy, Richmond, VA 23235
Certificate of Deposit - 18-Month
$0
0.95%
▼ 2.26% below Virginia avg
▼
Rate0.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average3.21%▼ 2.26% below avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 0.95% APY · checked 8 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
919 E Main St, Richmond, VA 23219
18 Month Personal Certificate of Deposit
$1,000
0.05%
▼ 3.16% below Virginia avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.21%▼ 3.16% below avgNationally 2.88%
Details
Standard rate for all terms 7 days - 60 months, all balances; Rates as of 5/12/2026
Rate History
No change since Oct 23, 2026 · 0.05% APY
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
11776 W Broad St, Richmond, VA 23233
18 Month Certificate of Deposit
$500
0.02%
▼ 3.19% below Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average3.21%▼ 3.19% below avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 0.02% APY · checked 7 times
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
▼
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
SFGI Direct
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
18-Month CD
$1,000
4.40%
▲ 1.19% above Virginia avg
▼
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%
- 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
▼
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
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Certificate of Deposit - 18 Months
$1,000
4.35%
▲ 1.14% above Virginia avg
▼
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
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
▼
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
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
▼
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
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
▼
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
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
▼
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
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
▼
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%
- 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
▼
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%
- 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
▼
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
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
▼
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
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
▼
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
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
18 Month TD Choice CD
$250
4.25%
▲ 1.04% above Virginia avg
▼
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
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
▼
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%
- 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
▼
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
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
▼
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%
- 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
▼
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%
- 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
▼
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
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
18 Month TD Choice CD
$250
4.24%
▲ 1.03% above Virginia avg
▼
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
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
▼
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
Oak View National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
18 Month CD
$0
4.15%
▲ 0.94% above Virginia avg
▼
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
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
▼
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%
- 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
▼
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%
- 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
▼
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
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
▼
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%
- Oct 5, 20264.10%▲ from 3.45%
- Sep 14, 20263.45%first recorded
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
▼
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
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
▼
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
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
Term Certificate - 18 Months
$0
3.98%
▲ 0.77% above Virginia avg
▼
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%
- 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
▼
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
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
▼
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%
- Oct 23, 20263.87%▲ from 3.66%
- Sep 17, 20263.66%first recorded
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
▼
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
Richmond 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Henrico Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
1201 N Laburnum Ave, Richmond, VA 23223
24 Month Certificate
$0
4.00%
▲ 1.02% above Virginia avg
▼
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%
- 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%
400 N 8th St, Richmond, VA 23219
24 Month IRA Jumbo Certificate
$0
4.00%
▲ 1.02% above Virginia avg
▼
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
Argent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
400 N 8th St, Richmond, VA 23219
24 Month Jumbo Certificate
$0
4.00%
▲ 1.02% above Virginia avg
▼
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
Chesapeake Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
1900 Lauderdale Dr, Richmond, VA 23238
2 Year Certificate
$0
3.90%
▲ 0.92% above Virginia avg
▼
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
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
50 W Commerce Rd, Richmond, VA 23224 2316
Share Certificate - 24 months
$500
3.85%
▲ 0.87% above Virginia avg
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.98%▲ 0.87% above avgNationally 2.90%
Details
Dividend Rate 3.78%; Dividends compounded and credited quarterly; penalty for early withdrawal
Rate History
No change since Sep 25, 2026 · 3.85% APY · checked 6 times
Argent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
400 N 8th St, Richmond, VA 23219
24 Month IRA Certificates
$0
3.80%
▲ 0.82% above Virginia avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.98%▲ 0.82% above avgNationally 2.90%
Details
A penalty will be imposed for early withdrawal on all IRA Certificates
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
Argent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
400 N 8th St, Richmond, VA 23219
Certificates - 24 month
$0
3.80%
▲ 0.82% above Virginia avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.98%▲ 0.82% above avgNationally 2.90%
Details
Effective: July 1, 2026
Rate History
No change since Oct 23, 2026 · 3.80% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5445 Glenside Dr, Richmond, VA 23228
24 Month Short-Term Certificate
$0
3.70%
▲ 0.72% above Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.98%▲ 0.72% above avgNationally 2.90%
Details
Balance: $100,000.00 and over; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 3.70% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5445 Glenside Dr, Richmond, VA 23228
24 Month Short-Term Certificate
$0
3.66%
▲ 0.68% above Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.98%▲ 0.68% above avgNationally 2.90%
Details
Balance: $1,000.00 - $19,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 3.66% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5445 Glenside Dr, Richmond, VA 23228
24 Month EasyStart Certificate
$50
3.60%
▲ 0.62% above Virginia avg
▼
Rate3.54%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.98%▲ 0.62% above avgNationally 2.90%
Details
Share, IRA, ESA; Rates as of Oct 19, 2026 ET
Rate History
No change since Oct 20, 2026 · 3.60% APY
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
4001 Lauderdale Dr, Richmond, VA 23233
24 Month Certificate
$100,000
3.60%
▲ 0.62% above Virginia avg
▼
Rate3.54%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.98%▲ 0.62% above avgNationally 2.90%
Details
Compounding: Monthly
Rate History
No change since Sep 30, 2026 · 3.60% APY · checked 5 times
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
4001 Lauderdale Dr, Richmond, VA 23233
24 month IRA
$100,000
3.60%
▲ 0.62% above Virginia avg
▼
Rate3.54%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.98%▲ 0.62% above avgNationally 2.90%
Details
Compounding: Monthly
Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 4 times
Hopewell Chemical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
2000 Richmond Hwy, Richmond, VA 23224 7608
Share Certificate 24 Months
$0
3.55%
▲ 0.57% above Virginia avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.98%▲ 0.57% above avgNationally 2.90%
Details
Dividend rate and APY fixed for the duration of the certificate; penalty for early withdrawal
Rate History
No change since Sep 21, 2026 · 3.55% APY · checked 6 times
Call Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
4605 Commerce Rd, Richmond, VA 23234 2233
Certificate Account - 24 Months
$1,000
3.50%
▲ 0.52% above Virginia avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.98%▲ 0.52% above avgNationally 2.90%
Details
Last Dividend Declaration Date for Certificates: October 1, 2026
Rate History
No change since Oct 15, 2026 · 3.50% APY · checked 2 times
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
4001 Lauderdale Dr, Richmond, VA 23233
24 Month Certificate
$50,000
3.50%
▲ 0.52% above Virginia avg
▼
Rate3.44%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.98%▲ 0.52% above avgNationally 2.90%
Details
Compounding: Monthly
Rate History
No change since Sep 30, 2026 · 3.50% APY · checked 5 times
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
4001 Lauderdale Dr, Richmond, VA 23233
24 month IRA
$50,000
3.50%
▲ 0.52% above Virginia avg
▼
Rate3.44%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.98%▲ 0.52% above avgNationally 2.90%
Details
Compounding: Monthly
Rate History
No change since Oct 6, 2026 · 3.50% APY · checked 4 times
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.32%
12560 W Creek Pkwy, Richmond, VA 23238 1110
24 Month Term Share Certificate
$1,000
3.46%
▲ 0.48% above Virginia avg
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.98%▲ 0.48% above avgNationally 2.90%
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 · 3.46% APY · checked 2 times
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
4001 Lauderdale Dr, Richmond, VA 23233
24 Month Certificate
$5,000
3.41%
▲ 0.43% above Virginia avg
▼
Rate3.36%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.98%▲ 0.43% above avgNationally 2.90%
Details
Compounding: Monthly
Rate History
No change since Sep 30, 2026 · 3.41% APY · checked 5 times
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
4001 Lauderdale Dr, Richmond, VA 23233
24 month IRA
$5,000
3.41%
▲ 0.43% above Virginia avg
▼
Rate3.36%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.98%▲ 0.43% above avgNationally 2.90%
Details
Compounding: Monthly
Rate History
No change since Oct 6, 2026 · 3.41% APY · checked 4 times
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
4001 Lauderdale Dr, Richmond, VA 23233
24 Month Certificate
$500
3.40%
▲ 0.42% above Virginia avg
▼
Rate3.36%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.98%▲ 0.42% above avgNationally 2.90%
Details
Compounding: Quarterly
Rate History
No change since Sep 30, 2026 · 3.40% APY · checked 5 times
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
4001 Lauderdale Dr, Richmond, VA 23233
24 month IRA
$100
3.40%
▲ 0.42% above Virginia avg
▼
Rate3.36%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.98%▲ 0.42% above avgNationally 2.90%
Details
Compounding: Quarterly
Rate History
No change since Oct 6, 2026 · 3.40% APY · checked 4 times
Credit Union of Richmond
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
1601 Ownby Ln, Richmond, VA 23220
Share/IRA Certificate - 24 Month
$0
2.78%
▼ 0.20% below Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.98%▼ 0.20% below avgNationally 2.90%
Details
Rate History
No change since Oct 13, 2026 · 2.78% APY · checked 2 times
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
1204 Broad Rock Blvd, Richmond, VA 23224 4916
Business Share Certificate - 24 Month
$500
2.75%
▼ 0.23% below Virginia avg
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.98%▼ 0.23% below avgNationally 2.90%
Details
Rate History
No change since Sep 12, 2026 · 2.75% APY · checked 3 times
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
1204 Broad Rock Blvd, Richmond, VA 23224 4916
Share Certificate - 24 Month
$500
2.75%
▼ 0.23% below Virginia avg
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.98%▼ 0.23% below avgNationally 2.90%
Details
Standard certificate; Effective Date: 7/28/2026
Rate History
No change since Oct 15, 2026 · 2.75% APY · checked 2 times
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
7000 Three Chopt Rd, Richmond, VA 23226
2 Year Standard CD
$1,000
2.50%
▼ 0.48% below Virginia avg
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.98%▼ 0.48% below avgNationally 2.90%
Details
Standard CD/IRA term; minimum opening deposit CD $1,000, IRA $500
Rate History
No change since Oct 20, 2026 · 2.50% APY
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2401 Sheila Ln, Richmond, VA 23225
2 Year Certificate of Deposit
$500
2.25%
▼ 0.73% below Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.98%▼ 0.73% below avgNationally 2.90%
Details
APY calculated on monthly compounding assuming interest remains on deposit until maturity
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 9 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2401 Sheila Ln, Richmond, VA 23225
2 Year IRA Certificate of Deposit
$500
2.25%
▼ 0.73% below Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.98%▼ 0.73% below avgNationally 2.90%
Details
Early withdrawal penalties may apply
Rate History
No change since Sep 27, 2026 · 2.25% APY · checked 2 times
Connects Federal Credit Union
Institution Rating:
D2.8 ★Texas Ratio: 21.58%
7700 Shrader Rd, Richmond, VA 23228
2 Year IRA Share Certificate
$1,000
2.12%
▼ 0.86% below Virginia avg
▼
Rate2.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.98%▼ 0.86% below avgNationally 2.90%
Details
Dividends compounded Quarterly; Dividends credited Quarterly; Additional deposits not allowed; Withdrawals dividends only; A penalty may apply for early withdrawal
Rate History
No change since Sep 12, 2026 · 2.12% APY · checked 6 times
Connects Federal Credit Union
Institution Rating:
D2.8 ★Texas Ratio: 21.58%
7700 Shrader Rd, Richmond, VA 23228
Share Certificate - 2 year
$1,000
2.12%
▼ 0.86% below Virginia avg
▼
Rate2.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.98%▼ 0.86% below avgNationally 2.90%
Details
Dividends compounded Quarterly; Dividends credited Quarterly; Additional deposits not allowed; Withdrawals dividends only; A penalty may apply for early withdrawal
Rate History
No change since Sep 12, 2026 · 2.12% APY · checked 7 times
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
9954 Mayland Dr, Richmond, VA 23233
2 Year Standard Rate CDs
$500
1.80%
▼ 1.18% below Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average2.98%▼ 1.18% below avgNationally 2.90%
Details
Rate History
No change since Sep 18, 2026 · 1.80% APY · checked 7 times
First Bank Strasburg, VA
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
5601 Patterson Ave, Richmond, VA 23226
Certificate of Deposit (CD) - 24 Months
$500
1.26%
▼ 1.72% below Virginia avg
▼
Rate1.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average2.98%▼ 1.72% below avgNationally 2.90%
Details
Rates effective as of September 30, 2026; Minimum opening deposit is $500; interest accrues daily and compounds quarterly
Rate History
No change since Sep 14, 2026 · 1.26% APY · checked 9 times
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
9030 Stony Point Pkwy, Richmond, VA 23235
Certificate of Deposit - 24-Month
$0
0.95%
▼ 2.03% below Virginia avg
▼
Rate0.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.98%▼ 2.03% below avgNationally 2.90%
Details
Rate History
No change since Sep 18, 2026 · 0.95% APY · checked 8 times
RVA Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.24%
1700 Robin Hood Rd, Richmond, VA 23220
24 Month Certificate
$500
0.40%
▼ 2.58% below Virginia avg
▼
Rate0.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.98%▼ 2.58% below avgNationally 2.90%
Details
Fixed rate; Dividend Period: Monthly; Interest Credited: Monthly; Early withdrawal penalty: 180 days interest; Renewals: Automatic with 7 day grace period
Rate History
No change since Oct 4, 2026 · 0.40% APY · checked 3 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
11776 W Broad St, Richmond, VA 23233
2-Year Jumbo CD
$100,000
0.40%
▼ 2.58% below Virginia avg
▼
Rate0.40%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.98%▼ 2.58% below avgNationally 2.90%
Details
Rate History
No change since Sep 24, 2026 · 0.40% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
11776 W Broad St, Richmond, VA 23233
2-Year Term CD
$1,000
0.40%
▼ 2.58% below Virginia avg
▼
Rate0.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.98%▼ 2.58% below avgNationally 2.90%
Details
Rate History
No change since Oct 19, 2026 · 0.40% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
11776 W Broad St, Richmond, VA 23233
Term CD - 2-Year
$1,000
0.40%
▼ 2.58% below Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.98%▼ 2.58% below avgNationally 2.90%
Details
Minimum of $1,000 to open your account
Rate History
No change since Oct 19, 2026 · 0.40% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
11776 W Broad St, Richmond, VA 23233
2-Year RampUp Plus CD
$25,000
0.25%
▼ 2.73% below Virginia avg
▼
Rate0.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.98%▼ 2.73% below avgNationally 2.90%
Details
Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 2 times
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
11776 W Broad St, Richmond, VA 23233
2 Year Certificate of Deposit
$500
0.05%
▼ 2.93% below Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average2.98%▼ 2.93% below avgNationally 2.90%
Details
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 7 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
919 E Main St, Richmond, VA 23219
24 Month Personal Certificate of Deposit
$1,000
0.05%
▼ 2.93% below Virginia avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.98%▼ 2.93% below avgNationally 2.90%
Details
Standard rate for all terms 7 days - 60 months, all balances; Rates as of 5/12/2026
Rate History
No change since Oct 23, 2026 · 0.05% APY
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
▼
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%
- 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
▼
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%
- 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
▼
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
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
▼
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
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
▼
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
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
▼
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%
- 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
▼
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
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Certificate of Deposit - 24 Months
$1,000
4.35%
▲ 1.37% above Virginia avg
▼
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
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
▼
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%
- 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
▼
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
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
▼
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
Richmond 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5445 Glenside Dr, Richmond, VA 23228
3 Year Long-Term Certificate
$0
4.15%
▲ 1.21% above Virginia avg
▼
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
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5445 Glenside Dr, Richmond, VA 23228
3 Year Long-Term Certificate
$0
4.10%
▲ 1.16% above Virginia avg
▼
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
Henrico Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
1201 N Laburnum Ave, Richmond, VA 23223
36 Month Certificate
$0
4.10%
▲ 1.16% above Virginia avg
▼
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%
- Oct 5, 20264.10%▲ from 3.85%
- Sep 21, 20263.85%first recorded
Richmond Heritage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
50 W Commerce Rd, Richmond, VA 23224 2316
Share Certificate - 36 months
$500
3.90%
▲ 0.96% above Virginia avg
▼
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
Argent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
400 N 8th St, Richmond, VA 23219
36 Month IRA Certificates
$0
3.85%
▲ 0.91% above Virginia avg
▼
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
Argent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
400 N 8th St, Richmond, VA 23219
Certificates - 36 month
$0
3.85%
▲ 0.91% above Virginia avg
▼
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
Hopewell Chemical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.11%
2000 Richmond Hwy, Richmond, VA 23224 7608
Share Certificate 36 Months
$0
3.75%
▲ 0.81% above Virginia avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.94%▲ 0.81% above avgNationally 2.81%
Details
Dividend rate and APY fixed for the duration of the certificate; penalty for early withdrawal
Rate History
No change since Sep 21, 2026 · 3.75% APY · checked 6 times
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
4001 Lauderdale Dr, Richmond, VA 23233
36 month certificate
$100,000
3.65%
▲ 0.71% above Virginia avg
▼
Rate3.59%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.94%▲ 0.71% above avgNationally 2.81%
Details
Compounding: Monthly
Rate History
No change since Sep 30, 2026 · 3.65% APY · checked 5 times
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
4001 Lauderdale Dr, Richmond, VA 23233
36 month IRA
$100,000
3.65%
▲ 0.71% above Virginia avg
▼
Rate3.59%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.94%▲ 0.71% above avgNationally 2.81%
Details
Compounding: Monthly
Rate History
No change since Oct 6, 2026 · 3.65% APY · checked 4 times
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
4001 Lauderdale Dr, Richmond, VA 23233
36 month certificate
$50,000
3.55%
▲ 0.61% above Virginia avg
▼
Rate3.49%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.94%▲ 0.61% above avgNationally 2.81%
Details
Compounding: Monthly
Rate History
No change since Sep 30, 2026 · 3.55% APY · checked 5 times
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
4001 Lauderdale Dr, Richmond, VA 23233
36 month IRA
$50,000
3.55%
▲ 0.61% above Virginia avg
▼
Rate3.49%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.94%▲ 0.61% above avgNationally 2.81%
Details
Compounding: Monthly
Rate History
No change since Oct 6, 2026 · 3.55% APY · checked 4 times
Call Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
4605 Commerce Rd, Richmond, VA 23234 2233
Certificate Account - 36 Months
$1,000
3.50%
▲ 0.56% above Virginia avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.94%▲ 0.56% above avgNationally 2.81%
Details
Last Dividend Declaration Date for Certificates: October 1, 2026
Rate History
No change since Oct 15, 2026 · 3.50% APY · checked 2 times
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
4001 Lauderdale Dr, Richmond, VA 23233
36 month certificate
$5,000
3.46%
▲ 0.52% above Virginia avg
▼
Rate3.41%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.94%▲ 0.52% above avgNationally 2.81%
Details
Compounding: Monthly
Rate History
No change since Sep 30, 2026 · 3.46% APY · checked 5 times
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
4001 Lauderdale Dr, Richmond, VA 23233
36 month IRA
$5,000
3.46%
▲ 0.52% above Virginia avg
▼
Rate3.41%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.94%▲ 0.52% above avgNationally 2.81%
Details
Compounding: Monthly
Rate History
No change since Oct 6, 2026 · 3.46% APY · checked 4 times
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
4001 Lauderdale Dr, Richmond, VA 23233
36 month certificate
$500
3.45%
▲ 0.51% above Virginia avg
▼
Rate3.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.94%▲ 0.51% above avgNationally 2.81%
Details
Compounding: Quarterly
Rate History
No change since Sep 30, 2026 · 3.45% APY · checked 5 times
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
4001 Lauderdale Dr, Richmond, VA 23233
36 month IRA
$100
3.45%
▲ 0.51% above Virginia avg
▼
Rate3.41%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.94%▲ 0.51% above avgNationally 2.81%
Details
Compounding: Quarterly
Rate History
No change since Oct 6, 2026 · 3.45% APY · checked 4 times
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.32%
12560 W Creek Pkwy, Richmond, VA 23238 1110
36 Month Term Share Certificate
$1,000
3.41%
▲ 0.47% above Virginia avg
▼
Rate3.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.94%▲ 0.47% above avgNationally 2.81%
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 · 3.41% APY · checked 2 times
Credit Union of Richmond
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
1601 Ownby Ln, Richmond, VA 23220
Share/IRA Certificate - 36 Month
$0
3.03%
▲ 0.09% above Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.94%▲ 0.09% above avgNationally 2.81%
Details
Rate History
No change since Oct 13, 2026 · 3.03% APY · checked 2 times
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
1204 Broad Rock Blvd, Richmond, VA 23224 4916
Business Share Certificate - 36 Month
$500
2.75%
▼ 0.19% below Virginia avg
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.94%▼ 0.19% below avgNationally 2.81%
Details
Rate History
No change since Sep 12, 2026 · 2.75% APY · checked 3 times
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
1204 Broad Rock Blvd, Richmond, VA 23224 4916
Share Certificate - 36 Month
$500
2.75%
▼ 0.19% below Virginia avg
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.94%▼ 0.19% below avgNationally 2.81%
Details
Standard certificate; Effective Date: 7/28/2026
Rate History
No change since Oct 15, 2026 · 2.75% APY · checked 2 times
Connects Federal Credit Union
Institution Rating:
D2.8 ★Texas Ratio: 21.58%
7700 Shrader Rd, Richmond, VA 23228
3 Year IRA Share Certificate
$1,000
2.62%
▼ 0.32% below Virginia avg
▼
Rate2.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.94%▼ 0.32% below avgNationally 2.81%
Details
Dividends compounded Quarterly; Dividends credited Quarterly; Additional deposits not allowed; Withdrawals dividends only; A penalty may apply for early withdrawal
Rate History
No change since Sep 12, 2026 · 2.62% APY · checked 6 times
Connects Federal Credit Union
Institution Rating:
D2.8 ★Texas Ratio: 21.58%
7700 Shrader Rd, Richmond, VA 23228
Share Certificate - 3 year
$1,000
2.62%
▼ 0.32% below Virginia avg
▼
Rate2.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.94%▼ 0.32% below avgNationally 2.81%
Details
Dividends compounded Quarterly; Dividends credited Quarterly; Additional deposits not allowed; Withdrawals dividends only; A penalty may apply for early withdrawal
Rate History
No change since Sep 12, 2026 · 2.62% APY · checked 9 times
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
7000 Three Chopt Rd, Richmond, VA 23226
3 Year Standard CD
$1,000
2.50%
▼ 0.44% below Virginia avg
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.94%▼ 0.44% below avgNationally 2.81%
Details
Standard CD/IRA term; minimum opening deposit CD $1,000, IRA $500
Rate History
No change since Oct 20, 2026 · 2.50% APY
Chesapeake Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
1900 Lauderdale Dr, Richmond, VA 23238
3 Year Certificate
$0
2.15%
▼ 0.79% below Virginia avg
▼
Rate2.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.94%▼ 0.79% below avgNationally 2.81%
Details
Certificate ($1,000 minimum balance)
Rate History
No change since Sep 8, 2026 · 2.15% APY · checked 10 times
Chesapeake Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
1900 Lauderdale Dr, Richmond, VA 23238
Roth IRA 3 Year
$100
2.15%
▼ 0.79% below Virginia avg
▼
Rate2.13%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.94%▼ 0.79% below avgNationally 2.81%
Details
Individual Retirement Accounts (IRAs); Balance: $100 minimum; Interest Rate 2.13%; penalty for early withdrawal may apply; renews automatically within 10 calendar days of maturity
Rate History
No change since Oct 20, 2026 · 2.15% APY · checked 2 times
Chesapeake Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
1900 Lauderdale Dr, Richmond, VA 23238
Traditional IRA 3 Year
$100
2.15%
▼ 0.79% below Virginia avg
▼
Rate2.13%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.94%▼ 0.79% below avgNationally 2.81%
Details
Individual Retirement Accounts (IRAs); Balance: $100 minimum; Interest Rate 2.13%; penalty for early withdrawal may apply; renews automatically within 10 calendar days of maturity
Rate History
No change since Oct 20, 2026 · 2.15% APY · checked 2 times
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
9954 Mayland Dr, Richmond, VA 23233
3 Year Standard Rate CDs
$500
1.85%
▼ 1.09% below Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average2.94%▼ 1.09% below avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 1.85% APY · checked 7 times
First Bank Strasburg, VA
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
5601 Patterson Ave, Richmond, VA 23226
Certificate of Deposit (CD) - 36 Months
$500
1.51%
▼ 1.43% below Virginia avg
▼
Rate1.51%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average2.94%▼ 1.43% below avgNationally 2.81%
Details
Rates effective as of September 30, 2026; Minimum opening deposit is $500; interest accrues daily and compounds quarterly
Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 9 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2401 Sheila Ln, Richmond, VA 23225
3 Year Certificate of Deposit
$500
1.40%
▼ 1.54% below Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.94%▼ 1.54% below avgNationally 2.81%
Details
APY calculated on monthly compounding assuming interest remains on deposit until maturity
Rate History
No change since Sep 14, 2026 · 1.40% APY · checked 9 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2401 Sheila Ln, Richmond, VA 23225
3 Year IRA Certificate of Deposit
$500
1.40%
▼ 1.54% below Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.94%▼ 1.54% below avgNationally 2.81%
Details
Early withdrawal penalties may apply
Rate History
No change since Sep 27, 2026 · 1.40% APY · checked 2 times
Blue Ridge Bank National Association
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
1801 Bayberry Ct, Richmond, VA 23226
36 Month Golden Advantage Certificate of Deposit & Specials
$0
1.40%
▼ 1.54% below Virginia avg
▼
Rate1.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average2.94%▼ 1.54% below avgNationally 2.81%
Details
Rate History
No change since Oct 20, 2026 · 1.40% APY · checked 2 times
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
9030 Stony Point Pkwy, Richmond, VA 23235
Certificate of Deposit - 36-Month
$0
1.01%
▼ 1.93% below Virginia avg
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.94%▼ 1.93% below avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 1.01% APY · checked 8 times
RVA Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.24%
1700 Robin Hood Rd, Richmond, VA 23220
36 Month Certificate
$0
0.50%
▼ 2.44% below Virginia avg
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.94%▼ 2.44% below avgNationally 2.81%
Details
Fixed rate; Dividend Period: Monthly; Early withdrawal penalty: 180 days interest; Renewals: Automatic with 7 day grace period
Rate History
No change since Oct 4, 2026 · 0.50% APY · checked 3 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
11776 W Broad St, Richmond, VA 23233
3-Year Jumbo CD
$100,000
0.40%
▼ 2.54% below Virginia avg
▼
Rate0.40%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.94%▼ 2.54% below avgNationally 2.81%
Details
Rate History
No change since Sep 24, 2026 · 0.40% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
11776 W Broad St, Richmond, VA 23233
3-Year Term CD
$1,000
0.40%
▼ 2.54% below Virginia avg
▼
Rate0.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.94%▼ 2.54% below avgNationally 2.81%
Details
Rate History
No change since Oct 19, 2026 · 0.40% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
11776 W Broad St, Richmond, VA 23233
Term CD - 3-Year
$1,000
0.40%
▼ 2.54% below Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.94%▼ 2.54% below avgNationally 2.81%
Details
Minimum of $1,000 to open your account
Rate History
No change since Oct 19, 2026 · 0.40% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
11776 W Broad St, Richmond, VA 23233
3-Year RampUp CD
$25,000
0.25%
▼ 2.69% below Virginia avg
▼
Rate0.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.94%▼ 2.69% below avgNationally 2.81%
Details
Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 2 times
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
11776 W Broad St, Richmond, VA 23233
3 Year Certificate of Deposit
$500
0.05%
▼ 2.89% below Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average2.94%▼ 2.89% below avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 7 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
919 E Main St, Richmond, VA 23219
36 Month Personal Certificate of Deposit
$1,000
0.05%
▼ 2.89% below Virginia avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.94%▼ 2.89% below avgNationally 2.81%
Details
Standard rate for all terms 7 days - 60 months, all balances; Rates as of 5/12/2026
Rate History
No change since Oct 23, 2026 · 0.05% APY
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
▼
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
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
▼
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
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
▼
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%
- 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
▼
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%
- 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
▼
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
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
▼
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%
- 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
▼
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
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
▼
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
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
▼
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%
- 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
▼
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
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
▼
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%
- Oct 13, 20264.30%▲ from 3.80%
- Oct 5, 20263.80%first recorded
Richmond 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Argent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
400 N 8th St, Richmond, VA 23219
48 Month IRA Certificates
$0
3.90%
▲ 1.04% above Virginia avg
▼
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
Argent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
400 N 8th St, Richmond, VA 23219
Certificates - 48 month
$0
3.90%
▲ 1.04% above Virginia avg
▼
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
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
4001 Lauderdale Dr, Richmond, VA 23233
48 month certificate
$100,000
3.65%
▲ 0.79% above Virginia avg
▼
Rate3.59%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.86%▲ 0.79% above avgNationally 2.81%
Details
Compounding: Monthly
Rate History
No change since Sep 30, 2026 · 3.65% APY · checked 5 times
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
4001 Lauderdale Dr, Richmond, VA 23233
48 month IRA
$100,000
3.65%
▲ 0.79% above Virginia avg
▼
Rate3.59%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.86%▲ 0.79% above avgNationally 2.81%
Details
Compounding: Monthly
Rate History
No change since Oct 6, 2026 · 3.65% APY · checked 4 times
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
4001 Lauderdale Dr, Richmond, VA 23233
48 month certificate
$50,000
3.55%
▲ 0.69% above Virginia avg
▼
Rate3.49%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.86%▲ 0.69% above avgNationally 2.81%
Details
Compounding: Monthly
Rate History
No change since Sep 30, 2026 · 3.55% APY · checked 5 times
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
4001 Lauderdale Dr, Richmond, VA 23233
48 month IRA
$50,000
3.55%
▲ 0.69% above Virginia avg
▼
Rate3.49%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.86%▲ 0.69% above avgNationally 2.81%
Details
Compounding: Monthly
Rate History
No change since Oct 6, 2026 · 3.55% APY · checked 4 times
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
4001 Lauderdale Dr, Richmond, VA 23233
48 month certificate
$5,000
3.46%
▲ 0.60% above Virginia avg
▼
Rate3.41%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.86%▲ 0.60% above avgNationally 2.81%
Details
Compounding: Monthly
Rate History
No change since Sep 30, 2026 · 3.46% APY · checked 5 times
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
4001 Lauderdale Dr, Richmond, VA 23233
48 month IRA
$5,000
3.46%
▲ 0.60% above Virginia avg
▼
Rate3.41%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.86%▲ 0.60% above avgNationally 2.81%
Details
Compounding: Monthly
Rate History
No change since Oct 6, 2026 · 3.46% APY · checked 4 times
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
4001 Lauderdale Dr, Richmond, VA 23233
48 month certificate
$500
3.45%
▲ 0.59% above Virginia avg
▼
Rate3.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.86%▲ 0.59% above avgNationally 2.81%
Details
Compounding: Quarterly
Rate History
No change since Sep 30, 2026 · 3.45% APY · checked 5 times
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
4001 Lauderdale Dr, Richmond, VA 23233
48 month IRA
$100
3.45%
▲ 0.59% above Virginia avg
▼
Rate3.41%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.86%▲ 0.59% above avgNationally 2.81%
Details
Compounding: Quarterly
Rate History
No change since Oct 6, 2026 · 3.45% APY · checked 4 times
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.32%
12560 W Creek Pkwy, Richmond, VA 23238 1110
48 Month Term Share Certificate
$1,000
3.41%
▲ 0.55% above Virginia avg
▼
Rate3.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.86%▲ 0.55% above avgNationally 2.81%
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 · 3.41% APY · checked 2 times
Credit Union of Richmond
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
1601 Ownby Ln, Richmond, VA 23220
Share/IRA Certificate - 48 Month
$0
3.29%
▲ 0.43% above Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.86%▲ 0.43% above avgNationally 2.81%
Details
Rate History
No change since Oct 13, 2026 · 3.29% APY · checked 2 times
Call Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
4605 Commerce Rd, Richmond, VA 23234 2233
Certificate Account - 48 Months
$1,000
3.25%
▲ 0.39% above Virginia avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.86%▲ 0.39% above avgNationally 2.81%
Details
Last Dividend Declaration Date for Certificates: October 1, 2026
Rate History
No change since Oct 15, 2026 · 3.25% APY · checked 2 times
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
1204 Broad Rock Blvd, Richmond, VA 23224 4916
Business Share Certificate - 48 Month
$500
2.75%
▼ 0.11% below Virginia avg
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.86%▼ 0.11% below avgNationally 2.81%
Details
Rate History
No change since Sep 12, 2026 · 2.75% APY · checked 3 times
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
1204 Broad Rock Blvd, Richmond, VA 23224 4916
Share Certificate - 48 Month
$500
2.75%
▼ 0.11% below Virginia avg
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.86%▼ 0.11% below avgNationally 2.81%
Details
Standard certificate; Effective Date: 7/28/2026
Rate History
No change since Oct 15, 2026 · 2.75% APY · checked 2 times
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
7000 Three Chopt Rd, Richmond, VA 23226
4 Year Standard CD
$1,000
2.50%
▼ 0.36% below Virginia avg
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.86%▼ 0.36% below avgNationally 2.81%
Details
Standard CD/IRA term; minimum opening deposit CD $1,000, IRA $500
Rate History
No change since Oct 20, 2026 · 2.50% APY
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
9954 Mayland Dr, Richmond, VA 23233
4 Year Standard Rate CDs
$500
1.90%
▼ 0.96% below Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average2.86%▼ 0.96% below avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 1.90% APY · checked 7 times
First Bank Strasburg, VA
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
5601 Patterson Ave, Richmond, VA 23226
Certificate of Deposit (CD) - 48 Months
$500
1.52%
▼ 1.34% below Virginia avg
▼
Rate1.52%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average2.86%▼ 1.34% below avgNationally 2.81%
Details
Rates effective as of September 30, 2026; Minimum opening deposit is $500; interest accrues daily and compounds quarterly
Rate History
No change since Sep 14, 2026 · 1.52% APY · checked 9 times
Blue Ridge Bank National Association
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
1801 Bayberry Ct, Richmond, VA 23226
48 Month Golden Advantage Certificate of Deposit & Specials
$0
1.45%
▼ 1.41% below Virginia avg
▼
Rate1.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average2.86%▼ 1.41% below avgNationally 2.81%
Details
Rate History
No change since Oct 20, 2026 · 1.45% APY · checked 2 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2401 Sheila Ln, Richmond, VA 23225
4 Year Certificate of Deposit
$500
1.15%
▼ 1.71% below Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.86%▼ 1.71% below avgNationally 2.81%
Details
APY calculated on monthly compounding assuming interest remains on deposit until maturity
Rate History
No change since Sep 14, 2026 · 1.15% APY · checked 9 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2401 Sheila Ln, Richmond, VA 23225
4 Year IRA Certificate of Deposit
$500
1.15%
▼ 1.71% below Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.86%▼ 1.71% below avgNationally 2.81%
Details
Early withdrawal penalties may apply
Rate History
No change since Sep 27, 2026 · 1.15% APY · checked 2 times
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
9030 Stony Point Pkwy, Richmond, VA 23235
Certificate of Deposit - 48-Month
$0
1.01%
▼ 1.85% below Virginia avg
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average2.86%▼ 1.85% below avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 1.01% APY · checked 8 times
RVA Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.24%
1700 Robin Hood Rd, Richmond, VA 23220
48 Month Certificate
$0
0.60%
▼ 2.26% below Virginia avg
▼
Rate0.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.86%▼ 2.26% below avgNationally 2.81%
Details
Fixed rate; Dividend Period: Monthly; Early withdrawal penalty: 180 days interest; Renewals: Automatic with 7 day grace period
Rate History
No change since Oct 4, 2026 · 0.60% APY · checked 3 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
11776 W Broad St, Richmond, VA 23233
4-Year Jumbo CD
$100,000
0.50%
▼ 2.36% below Virginia avg
▼
Rate0.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.86%▼ 2.36% below avgNationally 2.81%
Details
Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
11776 W Broad St, Richmond, VA 23233
4-Year Term CD
$1,000
0.50%
▼ 2.36% below Virginia avg
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.86%▼ 2.36% below avgNationally 2.81%
Details
Rate History
No change since Oct 19, 2026 · 0.50% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
11776 W Broad St, Richmond, VA 23233
Term CD - 4-Year
$1,000
0.50%
▼ 2.36% below Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.86%▼ 2.36% below avgNationally 2.81%
Details
Minimum of $1,000 to open your account
Rate History
No change since Oct 19, 2026 · 0.50% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
11776 W Broad St, Richmond, VA 23233
4-Year RampUp CD
$50,000
0.25%
▼ 2.61% below Virginia avg
▼
Rate0.25%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.86%▼ 2.61% below avgNationally 2.81%
Details
Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 2 times
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
11776 W Broad St, Richmond, VA 23233
4 Year Certificate of Deposit
$500
0.15%
▼ 2.71% below Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average2.86%▼ 2.71% below avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 7 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
919 E Main St, Richmond, VA 23219
48 Month Personal Certificate of Deposit
$1,000
0.05%
▼ 2.81% below Virginia avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average2.86%▼ 2.81% below avgNationally 2.81%
Details
Standard rate for all terms 7 days - 60 months, all balances; Rates as of 5/12/2026
Rate History
No change since Oct 23, 2026 · 0.05% APY
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
▼
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%
- 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
▼
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%
- 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
▼
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
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
▼
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%
- 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
▼
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
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
▼
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
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
▼
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%
- 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
▼
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
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
▼
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
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
48 Month Regular CD
$500
4.20%
▲ 1.34% above Virginia avg
▼
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%
- 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
▼
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
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
Term Certificate - 48 Months
$0
4.18%
▲ 1.32% above Virginia avg
▼
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%
- 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
▼
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
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
▼
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
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
▼
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
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
▼
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%
- 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
▼
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
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
▼
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
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
▼
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
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
▼
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
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
▼
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
Richmond 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Argent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
400 N 8th St, Richmond, VA 23219
60 Month IRA Certificates
$0
4.00%
▲ 0.97% above Virginia avg
▼
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
Argent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
400 N 8th St, Richmond, VA 23219
Certificates - 60 month
$0
4.00%
▲ 0.97% above Virginia avg
▼
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
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
4001 Lauderdale Dr, Richmond, VA 23233
60 month certificate
$100,000
3.95%
▲ 0.92% above Virginia avg
▼
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
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
4001 Lauderdale Dr, Richmond, VA 23233
60 month IRA
$100,000
3.95%
▲ 0.92% above Virginia avg
▼
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
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5445 Glenside Dr, Richmond, VA 23228
5 Year Long-Term Certificate
$0
3.90%
▲ 0.87% above Virginia avg
▼
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
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5445 Glenside Dr, Richmond, VA 23228
5 Year Long-Term Certificate
$0
3.85%
▲ 0.82% above Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average3.03%▲ 0.82% above avgNationally 2.92%
Details
Balance tier: $1K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly
Rate History
No change since Oct 20, 2026 · 3.85% APY
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
4001 Lauderdale Dr, Richmond, VA 23233
60 month certificate
$50,000
3.85%
▲ 0.82% above Virginia avg
▼
Rate3.78%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.03%▲ 0.82% above avgNationally 2.92%
Details
Compounding: Monthly
Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 5 times
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
4001 Lauderdale Dr, Richmond, VA 23233
60 month IRA
$50,000
3.85%
▲ 0.82% above Virginia avg
▼
Rate3.78%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.03%▲ 0.82% above avgNationally 2.92%
Details
Compounding: Monthly
Rate History
No change since Oct 6, 2026 · 3.85% APY · checked 4 times
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
4001 Lauderdale Dr, Richmond, VA 23233
60 month certificate
$5,000
3.76%
▲ 0.73% above Virginia avg
▼
Rate3.70%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.03%▲ 0.73% above avgNationally 2.92%
Details
Compounding: Monthly
Rate History
No change since Sep 30, 2026 · 3.76% APY · checked 5 times
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
4001 Lauderdale Dr, Richmond, VA 23233
60 month IRA
$5,000
3.76%
▲ 0.73% above Virginia avg
▼
Rate3.70%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.03%▲ 0.73% above avgNationally 2.92%
Details
Compounding: Monthly
Rate History
No change since Oct 6, 2026 · 3.76% APY · checked 4 times
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
4001 Lauderdale Dr, Richmond, VA 23233
60 month certificate
$500
3.75%
▲ 0.72% above Virginia avg
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.03%▲ 0.72% above avgNationally 2.92%
Details
Compounding: Quarterly
Rate History
No change since Sep 30, 2026 · 3.75% APY · checked 5 times
Virginia Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.40%
4001 Lauderdale Dr, Richmond, VA 23233
60 month IRA
$100
3.75%
▲ 0.72% above Virginia avg
▼
Rate3.70%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.03%▲ 0.72% above avgNationally 2.92%
Details
Compounding: Quarterly
Rate History
No change since Oct 6, 2026 · 3.75% APY · checked 4 times
Credit Union of Richmond
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
1601 Ownby Ln, Richmond, VA 23220
Share/IRA Certificate - 60 Month
$0
3.55%
▲ 0.52% above Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.03%▲ 0.52% above avgNationally 2.92%
Details
Rate History
No change since Oct 13, 2026 · 3.55% APY · checked 2 times
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.32%
12560 W Creek Pkwy, Richmond, VA 23238 1110
60 Month Term Share Certificate
$1,000
3.41%
▲ 0.38% above Virginia avg
▼
Rate3.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.03%▲ 0.38% above avgNationally 2.92%
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 · 3.41% APY · checked 2 times
Call Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
4605 Commerce Rd, Richmond, VA 23234 2233
Certificate Account - 60 Months
$1,000
3.25%
▲ 0.22% above Virginia avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.03%▲ 0.22% above avgNationally 2.92%
Details
Last Dividend Declaration Date for Certificates: October 1, 2026
Rate History
No change since Oct 15, 2026 · 3.25% APY · checked 2 times
Chesapeake Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
1900 Lauderdale Dr, Richmond, VA 23238
5 Year Certificate
$0
2.75%
▼ 0.28% below Virginia avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average3.03%▼ 0.28% below avgNationally 2.92%
Details
Certificate ($1,000 minimum balance)
Rate History
No change since Sep 8, 2026 · 2.75% APY · checked 10 times
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
1204 Broad Rock Blvd, Richmond, VA 23224 4916
Business Share Certificate - 60 Month
$500
2.75%
▼ 0.28% below Virginia avg
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.03%▼ 0.28% below avgNationally 2.92%
Details
Rate History
No change since Sep 12, 2026 · 2.75% APY · checked 3 times
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
1204 Broad Rock Blvd, Richmond, VA 23224 4916
Share Certificate - 60 Month
$500
2.75%
▼ 0.28% below Virginia avg
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.03%▼ 0.28% below avgNationally 2.92%
Details
Standard certificate; Effective Date: 7/28/2026
Rate History
No change since Oct 15, 2026 · 2.75% APY · checked 2 times
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
7000 Three Chopt Rd, Richmond, VA 23226
5 Year Standard CD
$1,000
2.50%
▼ 0.53% below Virginia avg
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average3.03%▼ 0.53% below avgNationally 2.92%
Details
Standard CD/IRA term; minimum opening deposit CD $1,000, IRA $500
Rate History
No change since Oct 20, 2026 · 2.50% APY
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
9954 Mayland Dr, Richmond, VA 23233
5 Year Standard Rate CDs
$500
1.90%
▼ 1.13% below Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average3.03%▼ 1.13% below avgNationally 2.92%
Details
Rate History
No change since Sep 18, 2026 · 1.90% APY · checked 7 times
First Bank Strasburg, VA
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
5601 Patterson Ave, Richmond, VA 23226
Certificate of Deposit (CD) - 60 Months
$500
1.55%
▼ 1.48% below Virginia avg
▼
Rate1.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average3.03%▼ 1.48% below avgNationally 2.92%
Details
Rates effective as of September 30, 2026; Minimum opening deposit is $500; interest accrues daily and compounds quarterly
Rate History
No change since Sep 14, 2026 · 1.55% APY · checked 9 times
Blue Ridge Bank National Association
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
1801 Bayberry Ct, Richmond, VA 23226
60 Month Business Certificates of Deposit
$0
1.50%
▼ 1.53% below Virginia avg
▼
Rate1.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average3.03%▼ 1.53% below avgNationally 2.92%
Details
Minimum balance to open is $1,000; penalty may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 1.50% APY · checked 3 times
Blue Ridge Bank National Association
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
1801 Bayberry Ct, Richmond, VA 23226
60 Month Consumer Certificates of Deposit
$0
1.50%
▼ 1.53% below Virginia avg
▼
Rate1.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average3.03%▼ 1.53% below avgNationally 2.92%
Details
Rate History
No change since Oct 20, 2026 · 1.50% APY · checked 2 times
Blue Ridge Bank National Association
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
1801 Bayberry Ct, Richmond, VA 23226
60 Month Golden Advantage Certificate of Deposit & Specials
$0
1.50%
▼ 1.53% below Virginia avg
▼
Rate1.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average3.03%▼ 1.53% below avgNationally 2.92%
Details
Rate History
No change since Oct 20, 2026 · 1.50% APY · checked 2 times
Blue Ridge Bank National Association
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
1801 Bayberry Ct, Richmond, VA 23226
Business Certificates of Deposit - 60 Months+
$1,000
1.50%
▼ 1.53% below Virginia avg
▼
Rate1.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
Virginia Average3.03%▼ 1.53% below avgNationally 2.92%
Details
Minimum balance to open is $1,000; APY effective as of 10/15/2026; early withdrawal penalty may apply
Rate History
No change since Oct 20, 2026 · 1.50% APY · checked 2 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2401 Sheila Ln, Richmond, VA 23225
5 Year Certificate of Deposit
$500
1.25%
▼ 1.78% below Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average3.03%▼ 1.78% below avgNationally 2.92%
Details
APY calculated on monthly compounding assuming interest remains on deposit until maturity
Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 9 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2401 Sheila Ln, Richmond, VA 23225
5 Year IRA Certificate of Deposit
$500
1.25%
▼ 1.78% below Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average3.03%▼ 1.78% below avgNationally 2.92%
Details
Early withdrawal penalties may apply
Rate History
No change since Sep 27, 2026 · 1.25% APY · checked 2 times
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
9030 Stony Point Pkwy, Richmond, VA 23235
Certificate of Deposit - 60-Month
$0
1.01%
▼ 2.02% below Virginia avg
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
Virginia Average3.03%▼ 2.02% below avgNationally 2.92%
Details
Rate History
No change since Sep 18, 2026 · 1.01% APY · checked 8 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
11776 W Broad St, Richmond, VA 23233
5-Year Jumbo CD
$100,000
0.50%
▼ 2.53% below Virginia avg
▼
Rate0.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.03%▼ 2.53% below avgNationally 2.92%
Details
Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
11776 W Broad St, Richmond, VA 23233
5-Year Term CD
$1,000
0.50%
▼ 2.53% below Virginia avg
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.03%▼ 2.53% below avgNationally 2.92%
Details
Rate History
No change since Oct 19, 2026 · 0.50% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
11776 W Broad St, Richmond, VA 23233
Term CD - 5-Year
$1,000
0.50%
▼ 2.53% below Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.03%▼ 2.53% below avgNationally 2.92%
Details
Minimum of $1,000 to open your account
Rate History
No change since Oct 19, 2026 · 0.50% APY
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
919 E Main St, Richmond, VA 23219
60 Month Personal Certificate of Deposit
$1,000
0.05%
▼ 2.98% below Virginia avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
Virginia Average3.03%▼ 2.98% below avgNationally 2.92%
Details
Standard rate for all terms 7 days - 60 months, all balances; Rates as of 5/12/2026
Rate History
No change since Oct 23, 2026 · 0.05% APY
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
▼
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
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
▼
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%
- 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
▼
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%
- 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
▼
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%
- 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
▼
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
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
▼
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
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
▼
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%
- 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
▼
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%
- 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
▼
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
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
▼
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%
- 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
▼
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
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
▼
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%
- 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
▼
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
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
▼
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
First Sentinel Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
60-Month CD/IRA
$500
4.22%
▲ 1.19% above Virginia avg
▼
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
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
▼
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
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
Term Certificate - 60 Months
$0
4.18%
▲ 1.15% above Virginia avg
▼
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%
- 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
▼
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
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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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Richmond, VA CD Rate Trends
Compare local Richmond, 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.
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
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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%
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What Your Savings Earn at VA CD Rates Today
Annual interest earnings at today’s Virginia average APYs. State average used where available; national average as fallback.
| CD Term | VA Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.691% | $84.57 | $169.14 | $422.85 | $845.70 |
| 6-Month CD | 2.630% | $131.49 | $262.97 | $657.43 | $1,314.85 |
| 12-Month CD | 3.057% | $152.83 | $305.65 | $764.13 | $1,528.25 |
| 18-Month CD | 3.207% | $160.36 | $320.73 | $801.82 | $1,603.65 |
| 24-Month CD | 2.981% | $149.05 | $298.09 | $745.23 | $1,490.45 |
| 36-Month CD | 2.937% | $146.85 | $293.70 | $734.25 | $1,468.50 |
| 48-Month CD | 2.862% | $143.08 | $286.15 | $715.38 | $1,430.75 |
| 60-Month CD | 3.026% | $151.32 | $302.63 | $756.57 | $1,513.15 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 23, 2026. | |||||
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Sample CD Ladder for Richmond, 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.
| 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.
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1,619
CD Rates
Tracked in Richmond, Virginia
Tracked in Richmond, Virginia
33 Banks
64 Credit Unions
About Our Richmond, Virginia CD Rate Database
MonitorBankRates tracks 1,619 CD rates from 33 banks and 64 credit unions with locations in Richmond, 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: Navy Federal Credit Union offers a CD at 4.35% APY with a minimum deposit of $50. Use the rate table above to compare all current offers in Richmond, Virginia.
How to Find the Best CD Rates in Richmond, Virginia
What to compare when shopping for a CD in Richmond, Virginia
To find the best APYs in Richmond, Virginia, start with credit unions and online-only banks: Richmond, Virginia has 64 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 Richmond, 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 Richmond, Virginia: 97 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Richmond, Virginia savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Richmond, Virginia money market rates
Richmond, Virginia Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
14.1%
National avg: 17.3%
Median Individual Earnings
$41,143
National avg: $47,340
Poverty Rate
18.2%
National avg: 11.1%
Unemployment Rate
5.7%
National avg: 4.8%
CD Earnings on 10% of Salary
$126/yr
At VA 12-mo avg 3.057% APY
14.1% of residents are 65 or older, below the national average of 17.3%. At today’s VA 12-month CD average of 3.057%, saving 10% of the local median salary ($4,114/year) and putting it in a CD would earn an additional $126 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 Richmond, 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 Richmond, 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 Richmond, 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 Richmond, Virginia as everywhere in the U.S.
Choosing a CD Term in Richmond, 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 Richmond, Virginia savers easier access to their funds. For example, FRB Federal Credit Union is offering its 6 Month Term Share Certificate at 3.89% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Argent Federal Credit Union is offering its 60 Month IRA Certificates at 4.00% 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 Richmond, 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 Richmond, 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 Richmond, 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 Richmond, 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 Richmond, Virginia
Most CDs carry a fixed rate that is locked for the entire term, protecting a Richmond, 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 Richmond, Virginia
Are CD rates in Richmond, Virginia FDIC insured?
Yes, most established banks in Richmond, 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 Richmond, 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 Richmond, 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 Richmond, 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 Richmond, Virginia?
Here are recent top rates found for this area:
- Navy Federal Credit Union: 4.35% APY (12 Month Special EasyStart Certificate)
- Henrico Federal Credit Union: 4.10% APY (36 Month Certificate)
- FRB Federal Credit Union: 4.08% APY (12 Month Term Share Certificate)
- Blue Ridge Bank National Association: 4.05% APY (12 Month Golden Advantage Certificate of Deposit & Specials)
- Virginia Credit Union: 4.05% APY (12 month certificate)
- Chesapeake Bank: 4.00% APY (18 Month Certificate)
- RVA Financial Federal Credit Union: 4.00% APY (12 Month Certificate)
- Argent Federal Credit Union: 4.00% APY (24 Month IRA Jumbo Certificate)
- CIT Bank: 4.00% APY (1-Year Term CD)
- Richmond Heritage Federal Credit Union: 3.90% APY (Share Certificate - 36 months)
Rates reflect recent verified offers available in Richmond, Virginia. Last Updated: October 23, 2026
Richmond, 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 Richmond, Virginia rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
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.
CD Calculators for Richmond, Virginia
Richmond, Virginia CD Calculator
At today’s VA top rate of 4.35% APY, a $10,000 deposit earns $435 in the first year. Enter your amount to see your exact return.
Richmond, Virginia CD LadderVA 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 PenaltyBefore locking into a Richmond, Virginia CD at 4.35% 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 SavingsVirginia’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 Richmond, 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 Richmond, 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 Richmond, 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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