Vienna, Virginia Best CD Rates October 2026
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Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Vienna, Virginia CD rates range from 0.01% to 6.00% APY, verified by MonitorBankRates as of October 19, 2026. Current Vienna, Virginia CD rates include EagleBankEagleBank8245 Boone Blvd, Vienna, VA 22182A5.0 ★Texas Ratio: 11.84%Real return: +1.65%APY minus CPI (February 2026) offering 12 Month CD at 4.45% APY, SFGI DirectSFGI Direct332 Maple Ave E, Vienna, VA 22180A5.0 ★Texas Ratio: 7.39%Real return: +1.60%APY minus CPI (February 2026) offering 18-Month CD at 4.40% APY, Navy Federal Credit UnionNavy Federal Credit Union820 Follin LN SE, Vienna, VA 22180A5.0 ★Texas Ratio: 8.14%Real return: +1.55%APY minus CPI (February 2026) offering 12 Month Special EasyStart Certificate at 4.35% APY, Capital One BankCapital One Bank246 Maple Ave E, Vienna, VA 22180A5.0 ★Texas Ratio: 7.00%Real return: +1.20%APY minus CPI (February 2026) offering 12 Month 360 CD at 4.00% APY, and Northwest Federal Credit UnionNorthwest Federal Credit Union231 Maple Ave E, Vienna, VA 22180A+5.0 ★Texas Ratio: 2.12%Real return: +1.20%APY minus CPI (February 2026) offering IRA Certificate - 1 year at 4.00% APY. CD rates as of October 19, 2026 according to verified data from MonitorBankRates.
Vienna has 198 local institutions in our database, with CD rates as high as 4.45% APY from EagleBank at 8245 Boone Blvd, Vienna, VA 22182. 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 19, 2026
Compare Best CD Rates in Vienna, Virginia & the Surrounding Area
Vienna 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
8245 Boone Blvd, Vienna, VA 22182
Certificate of Deposit 3 Months
$1,000
3.65%
▲ 2.03% above Virginia avg
▼
Rate3.58%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average1.62%▲ 2.03% above avgNationally 2.12%
Details
Rate History
No change since Sep 24, 2026 · 3.65% APY · checked 6 times
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2095 Chain Bridge Rd, Vienna, VA 22182
3 Month Standard CDs and IRAs
$0
3.00%
▲ 1.38% above Virginia avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average1.62%▲ 1.38% above avgNationally 2.12%
Details
Minimum opening deposit: CD - $1,000; IRA - $500; no minimum balance required after account opening to obtain disclosed APY
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 5 times
Freedom Bank of Virginia
Institution Rating:
C+4.2 ★Texas Ratio: 24.99%
502 Maple Ave W, Vienna, VA 22180
3 Month Certificate
$500
1.65%
▲ 0.03% above Virginia avg
▼
Rate1.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average1.62%▲ 0.03% above avgNationally 2.12%
Details
Rate History
No change since Sep 9, 2026 · 1.65% APY · checked 9 times
Freedom Bank of Virginia
Institution Rating:
C+4.2 ★Texas Ratio: 24.99%
502 Maple Ave W, Vienna, VA 22180
Single Deposit IRA - 3 Month Certificate
$500
1.65%
▲ 0.03% above Virginia avg
▼
Rate1.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average1.62%▲ 0.03% above avgNationally 2.12%
Details
Rate History
No change since Oct 14, 2026 · 1.65% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
820 Follin LN SE, Vienna, VA 22180
Short-Term Certificate (Share, IRA, ESA) - 3 Months
$0
1.55%
▼ 0.07% below Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average1.62%▼ 0.07% below avgNationally 2.12%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 1.55% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
820 Follin LN SE, Vienna, VA 22180
Short-Term Certificate (Share, IRA, ESA) - 3 Months
$0
1.50%
▼ 0.12% below Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average1.62%▼ 0.12% below avgNationally 2.12%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 1.50% APY
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2070 Chain Bridge Rd, Vienna, VA 22182
3 Month CD
$0
1.00%
▼ 0.62% below Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average1.62%▼ 0.62% below avgNationally 2.12%
Details
Balance: $250.00 - $9,999.99
Rate History
No change since Sep 18, 2026 · 1.00% APY · checked 2 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2070 Chain Bridge Rd, Vienna, VA 22182
3 Month TD Choice CD
$0
1.00%
▼ 0.62% below Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average1.62%▼ 0.62% below avgNationally 2.12%
Details
Balance: $250.00 - $9,999.99; Standard APY
Rate History
No change since Oct 2, 2026 · 1.00% APY · checked 2 times
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
374 Maple Ave E, Vienna, VA 22180
3 Month Standard Rate CDs
$500
0.50%
▼ 1.12% below Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average1.62%▼ 1.12% below avgNationally 2.12%
Details
Rate History
No change since Sep 18, 2026 · 0.50% APY · checked 5 times
Presidential Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.48%
8150 Leesburg Pike, Vienna, VA 22182
90 Day CD
$1,000
0.10%
▼ 1.52% below Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average1.62%▼ 1.52% below avgNationally 2.12%
Details
Rate History
No change since Sep 18, 2026 · 0.10% APY · checked 7 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
212 Maple Ave E, Vienna, VA 22180
3 month Standard Fixed Rate CD - Relationship
$2,500
0.06%
▼ 1.56% below Virginia avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average1.62%▼ 1.56% below avgNationally 2.12%
Details
Relationship Interest Rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
212 Maple Ave E, Vienna, VA 22180
3 month Standard Fixed Rate CD
$2,500
0.05%
▼ 1.57% below Virginia avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average1.62%▼ 1.57% below avgNationally 2.12%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 4 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
440 Maple Ave E, Vienna, VA 22180
3 Month CD
$1,000
0.05%
▼ 1.57% below Virginia avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average1.62%▼ 1.57% below avgNationally 2.12%
Details
Standard rate; Truist offers any term from 7 days to 60 months at this rate, all balance tiers; rates accurate as of 5/12/2026
Rate History
No change since Oct 15, 2026 · 0.05% APY
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
231 Maple Ave E, Vienna, VA 22180
3 Month Regular Certificate
$1,000
0.05%
▼ 1.57% below Virginia avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average1.62%▼ 1.57% below avgNationally 2.12%
Details
Balance: $1,000 to $99,999
Rate History
No change since Oct 12, 2026 · 0.05% APY · checked 2 times
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
231 Maple Ave E, Vienna, VA 22180
IRA Certificate - 3 months
$0
0.05%
▼ 1.57% below Virginia avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average1.62%▼ 1.57% below avgNationally 2.12%
Details
Balance: $1,000 to $99,999
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
353 Maple Ave E, Vienna, VA 22180
3 Month Certificate of Deposit
$0
0.03%
▼ 1.59% below Virginia avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average1.62%▼ 1.59% below avgNationally 2.12%
Details
Balance: $25,000.00 and above; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
353 Maple Ave E, Vienna, VA 22180
3 Month Certificate of Deposit
$0
0.02%
▼ 1.60% below Virginia avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average1.62%▼ 1.60% below avgNationally 2.12%
Details
Balance: $1,000.00 - $24,999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
353 Maple Ave E, Vienna, VA 22180
3 Month Certificate of Deposit
$0
0.01%
▼ 1.61% below Virginia avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average1.62%▼ 1.61% below avgNationally 2.12%
Details
Balance: $1.00 - $999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
3 Month Share Certificate
$1,000
4.00%
▲ 2.38% above Virginia avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average1.62%▲ 2.38% above avgNationally 2.12%
Details
Term Certificates (Minimum to Open $1,000.00)
Rate History
1 change since Sep 12, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
- Oct 4, 20264.00%▲ from 3.50%
- Sep 12, 20263.50%first recorded
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
3 Month Certificate
$1,000
4.00%
▲ 2.38% above Virginia avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average1.62%▲ 2.38% above avgNationally 2.12%
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%
▲ 2.33% above Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average1.62%▲ 2.33% above avgNationally 2.12%
Details
Minimum Balance to Open and Earn APY: $500
Rate History
No change since Oct 13, 2026 · 3.95% APY · checked 2 times
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
3 Month WooriWON Certificate of Deposit (CD)
$1,000
3.70%
▲ 2.08% above Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average1.62%▲ 2.08% above avgNationally 2.12%
Details
Simple interest, paid at maturity; renews automatically; early withdrawal penalty may apply
Rate History
No change since Oct 7, 2026 · 3.70% APY · checked 3 times
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
3 Month Share Certificate
$500
3.50%
▲ 1.88% above Virginia avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average1.62%▲ 1.88% above avgNationally 2.12%
Details
Rate Effective Date: October 15, 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
$500
3.04%
▲ 1.42% above Virginia avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average1.62%▲ 1.42% above avgNationally 2.12%
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%
▲ 1.38% above Virginia avg
▼
Rate2.97%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average1.62%▲ 1.38% above avgNationally 2.12%
Details
Rate History
No change since Oct 14, 2026 · 3.00% APY
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
Jumbo - 90 Day Certificate
$100,000
2.90%
▲ 1.28% above Virginia avg
▼
Rate2.85%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average1.62%▲ 1.28% above avgNationally 2.12%
Details
Rate History
No change since Oct 8, 2026 · 2.90% APY · checked 3 times
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
3-Month Certificate
$0
2.85%
▲ 1.23% above Virginia avg
▼
Rate2.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average1.62%▲ 1.23% above avgNationally 2.12%
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
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
3 Month Personal CD
$0
2.78%
▲ 1.16% above Virginia avg
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average1.62%▲ 1.16% above avgNationally 2.12%
Details
Term: 3 months (90 to 179 days)
Rate History
No change since Oct 14, 2026 · 2.78% APY
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
3 Month Term
$0
2.50%
▲ 0.88% above Virginia avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average1.62%▲ 0.88% above avgNationally 2.12%
Details
Regular & IRA Certificates
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 7 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
Business 3 Month Term Certificate
$0
2.50%
▲ 0.88% above Virginia avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average1.62%▲ 0.88% above avgNationally 2.12%
Details
Rate History
No change since Oct 14, 2026 · 2.50% APY
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
3 Month Term
$0
2.45%
▲ 0.83% above Virginia avg
▼
Rate2.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average1.62%▲ 0.83% above avgNationally 2.12%
Details
Regular & IRA Certificates
Rate History
No change since Sep 18, 2026 · 2.45% APY · checked 7 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
Business 3 Month Term Certificate
$0
2.45%
▲ 0.83% above Virginia avg
▼
Rate2.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average1.62%▲ 0.83% above avgNationally 2.12%
Details
Rate History
No change since Oct 14, 2026 · 2.45% APY
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
3 Month Term
$0
2.40%
▲ 0.78% above Virginia avg
▼
Rate2.37%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average1.62%▲ 0.78% above avgNationally 2.12%
Details
Regular & IRA Certificates
Rate History
No change since Sep 18, 2026 · 2.40% APY · checked 7 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
Business 3 Month Term Certificate
$0
2.40%
▲ 0.78% above Virginia avg
▼
Rate2.37%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average1.62%▲ 0.78% above avgNationally 2.12%
Details
Rate History
No change since Oct 14, 2026 · 2.40% APY
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
3 Month Term
$0
2.34%
▲ 0.72% above Virginia avg
▼
Rate2.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average1.62%▲ 0.72% above avgNationally 2.12%
Details
Regular & IRA Certificates
Rate History
No change since Sep 18, 2026 · 2.34% APY · checked 7 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
Business 3 Month Term Certificate
$0
2.34%
▲ 0.72% above Virginia avg
▼
Rate2.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average1.62%▲ 0.72% above avgNationally 2.12%
Details
Rate History
No change since Oct 14, 2026 · 2.34% APY
Farmers & Merchants Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
Certificate of Deposit - 3 Month
$1,000
2.27%
▲ 0.65% above Virginia avg
▼
Rate2.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average1.62%▲ 0.65% above avgNationally 2.12%
Details
Rate History
No change since Oct 14, 2026 · 2.27% APY
University of Virginia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
3 Month Business Certificate
$500
2.25%
▲ 0.63% above Virginia avg
▼
Rate2.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average1.62%▲ 0.63% above avgNationally 2.12%
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%
▲ 0.63% above Virginia avg
▼
Rate2.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average1.62%▲ 0.63% above avgNationally 2.12%
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%
▲ 0.63% above Virginia avg
▼
Rate2.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average1.62%▲ 0.63% above avgNationally 2.12%
Details
Compounding: N/A; Effective 5/02/2026
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 6 times
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Certificate Account - 3 month
$0
2.10%
▲ 0.48% above Virginia avg
▼
Rate2.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average1.62%▲ 0.48% above avgNationally 2.12%
Details
Rate History
No change since Sep 14, 2026 · 2.10% APY · checked 7 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
Certificate of Deposit 3 Month
$500
2.00%
▲ 0.38% above Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average1.62%▲ 0.38% above avgNationally 2.12%
Details
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 8 times
Chain Bridge Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Certificates Of Deposit
$500
1.50%
▼ 0.12% below Virginia avg
▼
Rate1.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average1.62%▼ 0.12% below avgNationally 2.12%
Details
Term: 3 Months (3 - 5 Months)
Rate History
No change since Oct 14, 2026 · 1.50% APY
The National Capital Bank of Washington
Institution Rating:
A-5.0 ★Texas Ratio: 14.51%
Platinum Account Holders Certificates of Deposit - 3 Months
$1,000
1.36%
▼ 0.26% below Virginia avg
▼
Rate1.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average1.62%▼ 0.26% below avgNationally 2.12%
Details
Platinum account holders; Early Withdrawal Penalty: 30 days' simple interest
Rate History
No change since Sep 19, 2026 · 1.36% APY · checked 8 times
The National Capital Bank of Washington
Institution Rating:
A-5.0 ★Texas Ratio: 14.51%
Certificates of Deposit - 3 Months
$1,000
1.26%
▼ 0.36% below Virginia avg
▼
Rate1.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average1.62%▼ 0.36% below avgNationally 2.12%
Details
Early Withdrawal Penalty: 30 days' simple interest
Rate History
No change since Sep 7, 2026 · 1.26% APY · checked 9 times
Autotruck Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.55%
3 Month Share Certificate - Regular Accounts
$0
1.26%
▼ 0.36% below Virginia avg
▼
Rate1.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average1.62%▼ 0.36% below avgNationally 2.12%
Details
Rate History
No change since Sep 22, 2026 · 1.26% APY · checked 5 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
3 Month Jumbo Share Certificate
$100,000
1.12%
▼ 0.50% below Virginia avg
▼
Rate1.11%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average1.62%▼ 0.50% below avgNationally 2.12%
Details
Rate includes 10 basis point Justice National Account (JNA) or Beyond the Badge Relationship rate increase
Rate History
No change since Oct 12, 2026 · 1.12% APY · checked 2 times
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
3 Month Traditional Jumbo Share Certificate
$100,000
1.12%
▼ 0.50% below Virginia avg
▼
Rate1.11%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average1.62%▼ 0.50% below avgNationally 2.12%
Details
Rate includes 10 basis point Justice National Account or Beyond the Badge Relationship rate increase; Traditional IRA and Roth IRA Certificate Rates
Rate History
No change since Oct 15, 2026 · 1.12% APY
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
3 Month Business Share Certificates
$0
1.11%
▼ 0.51% below Virginia avg
▼
Rate1.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average1.62%▼ 0.51% below avgNationally 2.12%
Details
Balance: $200,000 Plus Jumbo
Rate History
1 change since Sep 18, 2026 · 1.06% → 1.11% ▲ 0.05 pts · high 1.11% / low 1.06%
- Oct 14, 20261.11%▲ from 1.06%
- Sep 18, 20261.06%first recorded
United States Senate Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.71%
3 Month Smart Share Certificates (including IRA Certificates)
$1,000
1.11%
▼ 0.51% below Virginia avg
▼
Rate1.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average1.62%▼ 0.51% below avgNationally 2.12%
Details
Balance: $200,000 Plus Jumbo; Jumbo: $200,000 and up
Rate History
No change since Oct 14, 2026 · 1.11% APY
Vienna 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
SFGI Direct
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
332 Maple Ave E, Vienna, VA 22180
6-Month CD
$1,000
4.20%
▲ 1.58% above Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.62%▲ 1.58% above avgNationally 2.79%
Details
New 6-month CD opened with minimum $1,000.00; no additional deposits during term; early withdrawal penalty may apply
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%
8245 Boone Blvd, Vienna, VA 22182
6 Month CD
$1,000
4.20%
▲ 1.58% above Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.62%▲ 1.58% above avgNationally 2.79%
Details
APY accurate as of 09/24/2026; APY assumes interest remains on deposit until maturity
Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 7 times
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
8245 Boone Blvd, Vienna, VA 22182
Certificate of Deposit 6 Months
$1,000
4.20%
▲ 1.58% above Virginia avg
▼
Rate4.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.62%▲ 1.58% above avgNationally 2.79%
Details
Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 7 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
8521 Leesburg Pike, Vienna, VA 22182
Term CD - 6-Month Term
$1,000
3.75%
▲ 1.13% above Virginia avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.62%▲ 1.13% above avgNationally 2.79%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 3.75% APY
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
246 Maple Ave E, Vienna, VA 22180
360 CD - 6 Months
$0
3.30%
▲ 0.68% above Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.62%▲ 0.68% above avgNationally 2.79%
Details
Online CD; Annual Percentage Yield (APY) variable as of 10/14/2026; CD rates fixed upon opening the account; early withdrawal penalties apply
Rate History
1 change since Sep 18, 2026 · 4.30% → 3.30% ▼ 1.00 pts · high 4.30% / low 3.30%
- Oct 14, 20263.30%▼ from 4.30%
- Sep 18, 20264.30%first recorded
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2095 Chain Bridge Rd, Vienna, VA 22182
6 Month Standard CDs and IRAs
$0
3.00%
▲ 0.38% above Virginia avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.62%▲ 0.38% above avgNationally 2.79%
Details
Minimum opening deposit: CD - $1,000; IRA - $500; no minimum balance required after account opening to obtain disclosed APY
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 5 times
Freedom Bank of Virginia
Institution Rating:
C+4.2 ★Texas Ratio: 24.99%
502 Maple Ave W, Vienna, VA 22180
6 Month Certificate
$500
3.00%
▲ 0.38% above Virginia avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.62%▲ 0.38% above avgNationally 2.79%
Details
Rate History
No change since Sep 9, 2026 · 3.00% APY · checked 9 times
Freedom Bank of Virginia
Institution Rating:
C+4.2 ★Texas Ratio: 24.99%
502 Maple Ave W, Vienna, VA 22180
Single Deposit IRA - 6 Month Certificate
$500
3.00%
▲ 0.38% above Virginia avg
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.62%▲ 0.38% above avgNationally 2.79%
Details
Rate History
No change since Oct 14, 2026 · 3.00% APY
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
374 Maple Ave E, Vienna, VA 22180
6 Month Standard Rate CDs
$500
1.75%
▼ 0.87% below Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.62%▼ 0.87% below avgNationally 2.79%
Details
Rate History
No change since Sep 18, 2026 · 1.75% APY · checked 5 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2070 Chain Bridge Rd, Vienna, VA 22182
TD Choice CD 6 Month
$0
1.00%
▼ 1.62% below Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.62%▼ 1.62% below avgNationally 2.79%
Details
Non-Promotional TD Choice CD; Balance: $250.00 - $9,999.99
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 2 times
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
231 Maple Ave E, Vienna, VA 22180
6 Month Regular Certificate
$1,000
0.11%
▼ 2.51% below Virginia avg
▼
Rate0.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average2.62%▼ 2.51% below avgNationally 2.79%
Details
Balance: $1,000 to $99,999
Rate History
No change since Oct 12, 2026 · 0.11% APY · checked 2 times
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
231 Maple Ave E, Vienna, VA 22180
IRA Certificate - 6 months
$0
0.11%
▼ 2.51% below Virginia avg
▼
Rate0.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average2.62%▼ 2.51% below avgNationally 2.79%
Details
Balance: $1,000 to $99,999
Rate History
No change since Sep 14, 2026 · 0.11% APY · checked 2 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
212 Maple Ave E, Vienna, VA 22180
6 month Standard Fixed Rate CD - Relationship
$2,500
0.06%
▼ 2.56% below Virginia avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.62%▼ 2.56% below avgNationally 2.79%
Details
Relationship Interest Rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
212 Maple Ave E, Vienna, VA 22180
6 month Standard Fixed Rate CD
$2,500
0.05%
▼ 2.57% below Virginia avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.62%▼ 2.57% below avgNationally 2.79%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 27, 2026 · 0.05% APY · checked 3 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
440 Maple Ave E, Vienna, VA 22180
6 Month CD
$1,000
0.05%
▼ 2.57% below Virginia avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average2.62%▼ 2.57% below avgNationally 2.79%
Details
Standard rate; Truist offers any term from 7 days to 60 months at this rate, all balance tiers; rates accurate as of 5/12/2026
Rate History
No change since Oct 15, 2026 · 0.05% APY
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
353 Maple Ave E, Vienna, VA 22180
6 Month Certificate of Deposit
$0
0.03%
▼ 2.59% below Virginia avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.62%▼ 2.59% below avgNationally 2.79%
Details
Balance: $25,000.00 and above; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
353 Maple Ave E, Vienna, VA 22180
IRA CD - 6 Months
$250
0.03%
▼ 2.59% below Virginia avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.62%▼ 2.59% below avgNationally 2.79%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
353 Maple Ave E, Vienna, VA 22180
6 Month Certificate of Deposit
$0
0.02%
▼ 2.60% below Virginia avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.62%▼ 2.60% below avgNationally 2.79%
Details
Balance: $1,000.00 - $24,999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
353 Maple Ave E, Vienna, VA 22180
IRA CD - 6 Months
$250
0.02%
▼ 2.60% below Virginia avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.62%▼ 2.60% below avgNationally 2.79%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
353 Maple Ave E, Vienna, VA 22180
6 Month Certificate of Deposit
$0
0.01%
▼ 2.61% below Virginia avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.62%▼ 2.61% below avgNationally 2.79%
Details
Balance: $1.00 - $999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
353 Maple Ave E, Vienna, VA 22180
IRA CD - 6 Months
$250
0.01%
▼ 2.61% below Virginia avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.62%▼ 2.61% below avgNationally 2.79%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
Beacon Credit Union Incorporated
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
Limited Time Special - 6 Months
$2,500
4.35%
▲ 1.73% above Virginia avg
▼
Rate4.27%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.62%▲ 1.73% above avgNationally 2.79%
Details
Promotional Certificates (Limited Time Offer); Balance: $2,500; New money only; Early withdrawal penalty: 90 days of dividend whether earned or not
Rate History
1 change since Sep 14, 2026 · 4.25% → 4.35% ▲ 0.10 pts · high 4.35% / low 4.25%
- Oct 1, 20264.35%▲ from 4.25%
- Sep 14, 20264.25%first recorded
Chartway Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
6-Month Promo Certificate
$500
4.30%
▲ 1.68% above Virginia avg
▼
Rate4.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.62%▲ 1.68% above avgNationally 2.79%
Details
Promotional certificate; funded with new deposits only; $100 minimum if under 18 years old
Rate History
No change since Sep 18, 2026 · 4.30% APY · checked 7 times
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
6 Month Share Certificate
$0
4.30%
▲ 1.68% above Virginia avg
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.62%▲ 1.68% above avgNationally 2.79%
Details
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
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
Regular Certificates - 6 month Term
$500
4.25%
▲ 1.63% above Virginia avg
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.62%▲ 1.63% above avgNationally 2.79%
Details
Minimum opening balance $500; Dividend Rate 4.18%; Dividends compounded and credited quarterly; penalty may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 4.25% APY
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
6 Month Share Certificate
$500
4.13%
▲ 1.51% above Virginia avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.62%▲ 1.51% above avgNationally 2.79%
Details
Balance: $1M+
Rate History
No change since Sep 14, 2026 · 4.13% APY · checked 6 times
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
IRA Certificate - 6 Months
$500
4.13%
▲ 1.51% above Virginia avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.62%▲ 1.51% above avgNationally 2.79%
Details
Minimum $500 deposit required for IRA certificate accounts; Penalties may apply for early withdrawals from IRA certificate accounts
Rate History
No change since Sep 22, 2026 · 4.13% APY · checked 3 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
6 Month New Money CD
$1,000
4.10%
▲ 1.48% above Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.62%▲ 1.48% above avgNationally 2.79%
Details
Minimum balance to open account online: $1,000; Online only; Early withdrawal penalty may apply
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%
▲ 1.48% above Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average2.62%▲ 1.48% above avgNationally 2.79%
Details
Share and IRA Certificate Rates (Share/IRA/Roth/ESA)
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 7 times
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.99%
6-Month Certificate
$0
4.10%
▲ 1.48% above Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average2.62%▲ 1.48% above avgNationally 2.79%
Details
Featured rate
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 7 times
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.99%
Share and IRA Certificate - 6 Month
$500
4.10%
▲ 1.48% above Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average2.62%▲ 1.48% above avgNationally 2.79%
Details
Minimum Balance to Open and Earn APY: $500
Rate History
No change since Oct 13, 2026 · 4.10% APY · checked 2 times
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
6 Month Jumbo CD
$50,000
4.10%
▲ 1.48% above Virginia avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.62%▲ 1.48% above avgNationally 2.79%
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%
6 Month Share Certificate - Regular Accounts
$0
4.06%
▲ 1.44% above Virginia avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.62%▲ 1.44% above avgNationally 2.79%
Details
Rate History
No change since Sep 22, 2026 · 4.06% APY · checked 5 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
6 Month CD - Wealth Center/Telephone
$1,000
4.00%
▲ 1.38% above Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.62%▲ 1.38% above avgNationally 2.79%
Details
Wealth Center/Telephone; Minimum balance to open account: $1,000; Early withdrawal penalty may apply
Rate History
No change since Oct 14, 2026 · 4.00% APY
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
6 Month Online CD
$1,000
4.00%
▲ 1.38% above Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.62%▲ 1.38% above avgNationally 2.79%
Details
Minimum balance to open account online: $1,000; Only available to existing Premier customers; Online only; Early withdrawal penalty may apply
Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 6 times
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
Special 6-Month Fixed Rate CD
$10,000
4.00%
▲ 1.38% above Virginia avg
▼
Rate3.93%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.62%▲ 1.38% above avgNationally 2.79%
Details
New money deposits required; $10,000 minimum opening deposit
Rate History
No change since Oct 14, 2026 · 4.00% APY
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
6 Month IRA Certificates
$500
4.00%
▲ 1.38% above Virginia avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average2.62%▲ 1.38% above avgNationally 2.79%
Details
Early withdrawal penalties may apply. Fees may reduce the investment below the principal held at the beginning of the term.
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%
6 Month Share Certificate
$1,000
4.00%
▲ 1.38% above Virginia avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average2.62%▲ 1.38% above avgNationally 2.79%
Details
Term Certificates (Minimum to Open $1,000.00)
Rate History
1 change since Sep 12, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
- Oct 4, 20264.00%▲ from 3.50%
- Sep 12, 20263.50%first recorded
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
6 Month Certificate
$1,000
4.00%
▲ 1.38% above Virginia avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average2.62%▲ 1.38% above avgNationally 2.79%
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
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
6 Month IRA Traditional & Roth CD
$500
4.00%
▲ 1.38% above Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.62%▲ 1.38% above avgNationally 2.79%
Details
Rate History
1 change since Sep 21, 2026 · 3.65% → 4.00% ▲ 0.35 pts · high 4.00% / low 3.65%
- Oct 13, 20264.00%▲ from 3.65%
- Sep 21, 20263.65%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
6 Month Regular CD
$500
4.00%
▲ 1.38% above Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.62%▲ 1.38% above avgNationally 2.79%
Details
Rate History
1 change since Sep 21, 2026 · 3.65% → 4.00% ▲ 0.35 pts · high 4.00% / low 3.65%
- Oct 5, 20264.00%▲ from 3.65%
- Sep 21, 20263.65%first recorded
FRB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.32%
6 Month Term Share Certificate
$1,000
3.89%
▲ 1.27% above Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average2.62%▲ 1.27% above avgNationally 2.79%
Details
Rates effective as of October 1, 2026; $1,000.00 minimum balance required to open and obtain advertised APY
Rate History
No change since Oct 15, 2026 · 3.89% APY
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
6 Month Share Certificate
$500
3.87%
▲ 1.25% above Virginia avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.62%▲ 1.25% above avgNationally 2.79%
Details
Balance: $250,000 - $999,999
Rate History
No change since Sep 14, 2026 · 3.87% APY · checked 6 times
MainStreet Bank
Institution Rating:
B-4.4 ★Texas Ratio: 22.15%
6 Month Certificate of Deposit
$500
3.85%
▲ 1.23% above Virginia avg
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.62%▲ 1.23% above avgNationally 2.79%
Details
Minimum to Open and Obtain APY: $500; rates current as of October 14, 2026
Rate History
No change since Sep 9, 2026 · 3.85% APY · checked 8 times
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
6 month Certificate
$10,000
3.85%
▲ 1.23% above Virginia avg
▼
Rate3.85%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average2.62%▲ 1.23% above avgNationally 2.79%
Details
Minimum balance to earn dividends on certificates is $10,000.00; interest paid at maturity
Rate History
No change since Sep 25, 2026 · 3.85% APY · checked 5 times
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
6 month IRA Certificate
$10,000
3.85%
▲ 1.23% above Virginia avg
▼
Rate3.85%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average2.62%▲ 1.23% above avgNationally 2.79%
Details
Traditional or Roth; minimum balance to earn dividends on IRA certificates is $10,000.00; interest paid at maturity
Rate History
No change since Oct 4, 2026 · 3.85% APY · checked 4 times
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
6 Month Share Certificate
$500
3.85%
▲ 1.23% above Virginia avg
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average2.62%▲ 1.23% above avgNationally 2.79%
Details
Rate Effective Date: October 15, 2026
Rate History
1 change since Oct 5, 2026 · 3.50% → 3.85% ▲ 0.35 pts · high 3.85% / low 3.50%
- Oct 13, 20263.85%▲ from 3.50%
- Oct 5, 20263.50%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
6 Month Share Certificate
$500
3.82%
▲ 1.20% above Virginia avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average2.62%▲ 1.20% above avgNationally 2.79%
Details
Minimum balance of $500 required; Penalties apply for early withdrawal
Rate History
No change since Sep 25, 2026 · 3.82% APY · checked 3 times
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Business Share Certificates - 6 Months
$500
3.82%
▲ 1.20% above Virginia avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average2.62%▲ 1.20% above avgNationally 2.79%
Details
Rate History
1 change since Oct 4, 2026 · 4.25% → 3.82% ▼ 0.43 pts · high 4.25% / low 3.82%
- Oct 12, 20263.82%▼ from 4.25%
- Oct 4, 20264.25%first recorded
NY FIREFIGHTERS BRAVEST
Institution Rating:
A+5.0 ★Texas Ratio: 2.75%
Certificate 6 Month
$500
3.82%
▲ 1.20% above Virginia avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.62%▲ 1.20% above avgNationally 2.79%
Details
Early redemption fee applies.
Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 8 times
Vienna 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
8245 Boone Blvd, Vienna, VA 22182
12 Month CD
$1,000
4.45%
▲ 1.41% above Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.04%▲ 1.41% above avgNationally 3.01%
Details
APY accurate as of 09/24/2026; APY assumes interest remains on deposit until maturity
Rate History
No change since Sep 18, 2026 · 4.45% APY · checked 7 times
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
8245 Boone Blvd, Vienna, VA 22182
Certificate of Deposit 12 Months
$1,000
4.45%
▲ 1.41% above Virginia avg
▼
Rate4.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.04%▲ 1.41% above avgNationally 3.01%
Details
Rate History
No change since Sep 18, 2026 · 4.45% APY · checked 7 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
820 Follin LN SE, Vienna, VA 22180
12 Month Special EasyStart Certificate
$50
4.35%
▲ 1.31% above Virginia avg
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.04%▲ 1.31% above avgNationally 3.01%
Details
Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 5 times
SFGI Direct
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
332 Maple Ave E, Vienna, VA 22180
12-Month CD
$1,000
4.30%
▲ 1.26% above Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.04%▲ 1.26% above avgNationally 3.01%
Details
New 12-month CD opened with minimum $1,000.00; no additional deposits during term; early withdrawal penalty may apply
Rate History
1 change since Sep 28, 2026 · 4.20% → 4.30% ▲ 0.10 pts · high 4.30% / low 4.20%
- Oct 7, 20264.30%▲ from 4.20%
- Sep 28, 20264.20%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
820 Follin LN SE, Vienna, VA 22180
Short-Term Certificate (Share, IRA, ESA) - 12 Months
$0
4.10%
▲ 1.06% above Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.04%▲ 1.06% above avgNationally 3.01%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.10% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
820 Follin LN SE, Vienna, VA 22180
Short-Term Certificate (Share, IRA, ESA) - 12 Months
$0
4.05%
▲ 1.01% above Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.04%▲ 1.01% above avgNationally 3.01%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.05% APY
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
246 Maple Ave E, Vienna, VA 22180
12 Month 360 CD
$0
4.00%
▲ 0.96% above Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.04%▲ 0.96% above avgNationally 3.01%
Details
1-year online CD; CD rate calculator table; Online CD
Rate History
1 change since Sep 18, 2026 · 4.30% → 4.00% ▼ 0.30 pts · high 4.30% / low 4.00%
- Oct 14, 20264.00%▼ from 4.30%
- Sep 18, 20264.30%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
246 Maple Ave E, Vienna, VA 22180
360 CD - 12 Months
$0
4.00%
▲ 0.96% above Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.04%▲ 0.96% above avgNationally 3.01%
Details
Online CD; Annual Percentage Yield (APY) variable as of 10/14/2026; CD rates fixed upon opening the account; early withdrawal penalties apply
Rate History
1 change since Sep 18, 2026 · 4.30% → 4.00% ▼ 0.30 pts · high 4.30% / low 4.00%
- Oct 14, 20264.00%▼ from 4.30%
- Sep 18, 20264.30%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
820 Follin LN SE, Vienna, VA 22180
12 Month ESA EasyStart Certificate
$50
4.00%
▲ 0.96% above Virginia avg
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.04%▲ 0.96% above avgNationally 3.01%
Details
Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 3 times
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
231 Maple Ave E, Vienna, VA 22180
IRA Certificate - 1 year
$0
4.00%
▲ 0.96% above Virginia avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average3.04%▲ 0.96% above avgNationally 3.01%
Details
Balance: $100,000 to $249,999
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 8, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
8521 Leesburg Pike, Vienna, VA 22182
Term CD - 1-Year Term
$1,000
4.00%
▲ 0.96% above Virginia avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.04%▲ 0.96% above avgNationally 3.01%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 4.00% APY
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
231 Maple Ave E, Vienna, VA 22180
IRA Certificate - 1 year
$0
3.90%
▲ 0.86% above Virginia avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average3.04%▲ 0.86% above avgNationally 3.01%
Details
Balance: $1,000 to $99,999
Rate History
1 change since Sep 14, 2026 · 3.65% → 3.90% ▲ 0.25 pts · high 3.90% / low 3.65%
- Oct 8, 20263.90%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Presidential Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.48%
8150 Leesburg Pike, Vienna, VA 22182
1 Year CD
$1,000
3.75%
▲ 0.71% above Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.04%▲ 0.71% above avgNationally 3.01%
Details
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 7 times
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
231 Maple Ave E, Vienna, VA 22180
1 Year Regular Certificate
$1,000
3.75%
▲ 0.71% above Virginia avg
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average3.04%▲ 0.71% above avgNationally 3.01%
Details
Balance: $100,000 to $249,999
Rate History
No change since Oct 12, 2026 · 3.75% APY · checked 2 times
Freedom Bank of Virginia
Institution Rating:
C+4.2 ★Texas Ratio: 24.99%
502 Maple Ave W, Vienna, VA 22180
12 Month Certificate
$500
3.65%
▲ 0.61% above Virginia avg
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.04%▲ 0.61% above avgNationally 3.01%
Details
Rate History
1 change since Sep 9, 2026 · 3.25% → 3.65% ▲ 0.40 pts · high 3.65% / low 3.25%
- Oct 14, 20263.65%▲ from 3.25%
- Sep 9, 20263.25%first recorded
Freedom Bank of Virginia
Institution Rating:
C+4.2 ★Texas Ratio: 24.99%
502 Maple Ave W, Vienna, VA 22180
12 Month Multiple Deposit IRA
$500
3.65%
▲ 0.61% above Virginia avg
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.04%▲ 0.61% above avgNationally 3.01%
Details
Rate History
1 change since Sep 9, 2026 · 3.00% → 3.65% ▲ 0.65 pts · high 3.65% / low 3.00%
- Oct 14, 20263.65%▲ from 3.00%
- Sep 9, 20263.00%first recorded
Freedom Bank of Virginia
Institution Rating:
C+4.2 ★Texas Ratio: 24.99%
502 Maple Ave W, Vienna, VA 22180
Single Deposit IRA - 12 Month Certificate
$500
3.65%
▲ 0.61% above Virginia avg
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.04%▲ 0.61% above avgNationally 3.01%
Details
Rate History
No change since Oct 14, 2026 · 3.65% APY
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
231 Maple Ave E, Vienna, VA 22180
1 Year Regular Certificate
$1,000
3.65%
▲ 0.61% above Virginia avg
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average3.04%▲ 0.61% above avgNationally 3.01%
Details
Balance: $1,000 to $99,999
Rate History
No change since Oct 12, 2026 · 3.65% APY · checked 2 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
440 Maple Ave E, Vienna, VA 22180
12 Month CD Special
$0
3.25%
▲ 0.21% above Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average3.04%▲ 0.21% above avgNationally 3.01%
Details
Featured rate on select new CD accounts with balances of $100,000 and above; APY accurate as of 7/28/2026
Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 2 times
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2095 Chain Bridge Rd, Vienna, VA 22182
1 Year Standard CDs and IRAs
$0
3.00%
▼ 0.04% below Virginia avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.04%▼ 0.04% below avgNationally 3.01%
Details
Minimum opening deposit: CD - $1,000; IRA - $500; no minimum balance required after account opening to obtain disclosed APY
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 5 times
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
8521 Leesburg Pike, Vienna, VA 22182
12 Month Certificate of Deposit
$500
2.00%
▼ 1.04% below Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.04%▼ 1.04% below avgNationally 3.01%
Details
CD yields may vary depending on your area. Contact your local branch for details.
Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 5 times
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
374 Maple Ave E, Vienna, VA 22180
1 Year Standard Rate CDs
$500
2.00%
▼ 1.04% below Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.04%▼ 1.04% below avgNationally 3.01%
Details
Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 5 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
212 Maple Ave E, Vienna, VA 22180
1 year Standard Fixed Rate CD - Relationship
$2,500
1.51%
▼ 1.53% below Virginia avg
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.04%▼ 1.53% below avgNationally 3.01%
Details
Relationship Interest Rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 27, 2026 · 1.51% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
212 Maple Ave E, Vienna, VA 22180
1 year Standard Fixed Rate CD
$2,500
1.50%
▼ 1.54% below Virginia avg
▼
Rate1.49%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.04%▼ 1.54% below avgNationally 3.01%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only
Rate History
No change since Sep 27, 2026 · 1.50% APY · checked 3 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2070 Chain Bridge Rd, Vienna, VA 22182
TD Choice CD 12 Month
$250
1.00%
▼ 2.04% below Virginia avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.04%▼ 2.04% below avgNationally 3.01%
Details
Non-Promotional; Balance: $250.00 - $9,999.99
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
8521 Leesburg Pike, Vienna, VA 22182
RampUp CD - 1-Year RampUp Plus
$25,000
0.25%
▼ 2.79% below Virginia avg
▼
Rate0.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.04%▼ 2.79% below avgNationally 3.01%
Details
Ramp Up CDs
Rate History
No change since Oct 14, 2026 · 0.25% APY
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2070 Chain Bridge Rd, Vienna, VA 22182
12 Month TD IRA Add-Vantage CD
$250
0.05%
▼ 2.99% below Virginia avg
▼
Rate0.05%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.04%▼ 2.99% below avgNationally 3.01%
Details
IRA certificate; Minimum deposit to open is $250
Rate History
No change since Sep 27, 2026 · 0.05% APY · checked 5 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
440 Maple Ave E, Vienna, VA 22180
12 Month CD
$1,000
0.05%
▼ 2.99% below Virginia avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average3.04%▼ 2.99% below avgNationally 3.01%
Details
Standard rate; Truist offers any term from 7 days to 60 months at this rate, all balance tiers; rates accurate as of 5/12/2026
Rate History
1 change since Sep 27, 2026 · 3.25% → 0.05% ▼ 3.20 pts · high 3.25% / low 0.05%
- Oct 15, 20260.05%▼ from 3.25%
- Sep 27, 20263.25%first recorded
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
353 Maple Ave E, Vienna, VA 22180
12 Month Certificate of Deposit
$0
0.03%
▼ 3.01% below Virginia avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.04%▼ 3.01% below avgNationally 3.01%
Details
Balance: $25,000.00 and above; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
353 Maple Ave E, Vienna, VA 22180
IRA CD - 12 Months
$250
0.03%
▼ 3.01% below Virginia avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.04%▼ 3.01% below avgNationally 3.01%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
353 Maple Ave E, Vienna, VA 22180
12 Month Certificate of Deposit
$0
0.02%
▼ 3.02% below Virginia avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.04%▼ 3.02% below avgNationally 3.01%
Details
Balance: $1,000.00 - $24,999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
353 Maple Ave E, Vienna, VA 22180
IRA CD - 12 Months
$250
0.02%
▼ 3.02% below Virginia avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.04%▼ 3.02% below avgNationally 3.01%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
353 Maple Ave E, Vienna, VA 22180
12 Month Certificate of Deposit
$0
0.01%
▼ 3.03% below Virginia avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.04%▼ 3.03% below avgNationally 3.01%
Details
Balance: $1.00 - $999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
353 Maple Ave E, Vienna, VA 22180
IRA CD - 12 Months
$250
0.01%
▼ 3.03% below Virginia avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.04%▼ 3.03% below avgNationally 3.01%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
Flexible Saver - 1 Year Certificate
$100
6.00%
▲ 2.96% above Virginia avg
▼
Rate5.83%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average3.04%▲ 2.96% above avgNationally 3.01%
Details
Rate History
No change since Sep 20, 2026 · 6.00% APY · checked 6 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
Limited-Time 12 Month Term
$0
5.00%
▲ 1.96% above Virginia avg
▼
Rate4.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.04%▲ 1.96% above avgNationally 3.01%
Details
Regular & IRA Certificates; new external funds required
Rate History
No change since Oct 14, 2026 · 5.00% APY
Apple Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
12-Month Starter Certificate
$50
5.00%
▲ 1.96% above Virginia avg
▼
RateN/A
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.04%▲ 1.96% above avgNationally 3.01%
Details
Maximum deposit $5,000; additional deposits allowed until maturity up to the maximum; one Starter Certificate per membership; APY as of 10/14/2026
Rate History
No change since Sep 18, 2026 · 5.00% APY · checked 7 times
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
12 Month IRA Certificates
$500
4.50%
▲ 1.46% above Virginia avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average3.04%▲ 1.46% above avgNationally 3.01%
Details
Early withdrawal penalties may apply. Fees may reduce the investment below the principal held at the beginning of the term.
Rate History
1 change since Sep 24, 2026 · 3.75% → 4.50% ▲ 0.75 pts · high 4.50% / low 3.75%
- Oct 4, 20264.50%▲ from 3.75%
- Sep 24, 20263.75%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
12 Month Share Certificate
$1,000
4.50%
▲ 1.46% above Virginia avg
▼
Rate4.41%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average3.04%▲ 1.46% above avgNationally 3.01%
Details
Term Certificates (Minimum to Open $1,000.00)
Rate History
1 change since Sep 17, 2026 · 3.75% → 4.50% ▲ 0.75 pts · high 4.50% / low 3.75%
- Oct 15, 20264.50%▲ from 3.75%
- Sep 17, 20263.75%first recorded
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
12 Month New Money CD
$1,000
4.40%
▲ 1.36% above Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.04%▲ 1.36% above avgNationally 3.01%
Details
Minimum balance to open account online: $1,000; Online only; Early withdrawal penalty may apply
Rate History
1 change since Sep 27, 2026 · 4.35% → 4.40% ▲ 0.05 pts · high 4.40% / low 4.35%
- Oct 14, 20264.40%▲ from 4.35%
- Sep 27, 20264.35%first recorded
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
1 Year Certificate - Special Rate
$1,000
4.40%
▲ 1.36% above Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average3.04%▲ 1.36% above avgNationally 3.01%
Details
Special Rate (APY)
Rate History
No change since Oct 12, 2026 · 4.40% APY · checked 2 times
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
12 Month Share Certificate
$0
4.35%
▲ 1.31% above Virginia avg
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.04%▲ 1.31% above avgNationally 3.01%
Details
Rate History
1 change since Sep 18, 2026 · 4.05% → 4.35% ▲ 0.30 pts · high 4.35% / low 4.05%
- Sep 27, 20264.35%▲ from 4.05%
- Sep 18, 20264.05%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
12 Month Share Certificate
$100,000
4.35%
▲ 1.31% above Virginia avg
▼
Rate4.26%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average3.04%▲ 1.31% above avgNationally 3.01%
Details
Rate History
1 change since Oct 5, 2026 · 4.25% → 4.35% ▲ 0.10 pts · high 4.35% / low 4.25%
- Oct 13, 20264.35%▲ from 4.25%
- Oct 5, 20264.25%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
12 Month Elite Jumbo CD
$250,000
4.35%
▲ 1.31% above Virginia avg
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.04%▲ 1.31% above avgNationally 3.01%
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
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
12 Month CD - Wealth Center/Telephone
$1,000
4.30%
▲ 1.26% above Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.04%▲ 1.26% above avgNationally 3.01%
Details
Wealth Center/Telephone; Minimum balance to open account: $1,000; Early withdrawal penalty may apply
Rate History
No change since Oct 14, 2026 · 4.30% APY
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
12 Month Online CD
$1,000
4.30%
▲ 1.26% above Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.04%▲ 1.26% above avgNationally 3.01%
Details
Minimum balance to open account online: $1,000; Only available to existing Premier customers; Online only; Early withdrawal penalty may apply
Rate History
No change since Sep 24, 2026 · 4.30% APY · checked 6 times
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
12 Month Share Certificate Add-On
$0
4.25%
▲ 1.21% above Virginia avg
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.04%▲ 1.21% above avgNationally 3.01%
Details
Add-On certificate (footnote )
Rate History
No change since Oct 14, 2026 · 4.25% APY
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
12 month Certificate
$10,000
4.25%
▲ 1.21% above Virginia avg
▼
Rate4.25%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average3.04%▲ 1.21% above avgNationally 3.01%
Details
Minimum balance to earn dividends on certificates is $10,000.00; interest paid at maturity
Rate History
No change since Sep 25, 2026 · 4.25% APY · checked 5 times
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
12 month IRA Certificate
$10,000
4.25%
▲ 1.21% above Virginia avg
▼
Rate4.25%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average3.04%▲ 1.21% above avgNationally 3.01%
Details
Traditional or Roth; minimum balance to earn dividends on IRA certificates is $10,000.00; interest paid at maturity
Rate History
No change since Oct 4, 2026 · 4.25% APY · checked 4 times
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
12 Month Share Certificate
$500
4.25%
▲ 1.21% above Virginia avg
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average3.04%▲ 1.21% above avgNationally 3.01%
Details
Minimum balance of $500 required; Penalties apply for early withdrawal
Rate History
1 change since Sep 25, 2026 · 4.05% → 4.25% ▲ 0.20 pts · high 4.25% / low 4.05%
- Oct 8, 20264.25%▲ from 4.05%
- Sep 25, 20264.05%first recorded
Vienna 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
SFGI Direct
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
332 Maple Ave E, Vienna, VA 22180
18-Month CD
$1,000
4.40%
▲ 1.31% above Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.09%▲ 1.31% above avgNationally 2.88%
Details
New 18-month CD opened with minimum $1,000.00; no additional deposits during term; early withdrawal penalty may apply
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%
8245 Boone Blvd, Vienna, VA 22182
18 Month CD
$1,000
4.35%
▲ 1.26% above Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.09%▲ 1.26% above avgNationally 2.88%
Details
APY accurate as of 09/24/2026; APY assumes interest remains on deposit until maturity
Rate History
No change since Sep 18, 2026 · 4.35% APY · checked 7 times
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
8245 Boone Blvd, Vienna, VA 22182
Certificate of Deposit 18 Months
$1,000
4.35%
▲ 1.26% above Virginia avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.09%▲ 1.26% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 4.35% APY · checked 7 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
820 Follin LN SE, Vienna, VA 22180
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.15%
▲ 1.06% above Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.09%▲ 1.06% above avgNationally 2.88%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.15% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
820 Follin LN SE, Vienna, VA 22180
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.10%
▲ 1.01% above Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.09%▲ 1.01% above avgNationally 2.88%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 4.10% APY
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
1960 Gallows Rd, Vienna, VA 22182
18 Month Select Certificate of Deposit
$1,000
3.85%
▲ 0.76% above Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.09%▲ 0.76% above avgNationally 2.88%
Details
Featured CD rate; Requires a qualifying M&T Bank checking account; Minimum deposit of $1,000 to open a CD
Rate History
No change since Oct 7, 2026 · 3.85% APY · checked 3 times
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
1960 Gallows Rd, Vienna, VA 22182
18-Month M&T Select CD
$1,000
3.85%
▲ 0.76% above Virginia avg
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.09%▲ 0.76% above avgNationally 2.88%
Details
Requires a qualifying M&T Bank checking account (MyChoice Premium Checking, M&T Select, M&T Select With Interest, Power Checking or Advantage Checking) to open; maximum deposit $1,000,000 per account ($750,000 if opened online); early withdrawal penalty applies
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 8 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
820 Follin LN SE, Vienna, VA 22180
18 Month ESA EasyStart Certificate
$50
3.70%
▲ 0.61% above Virginia avg
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.09%▲ 0.61% above avgNationally 2.88%
Details
Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 3.70% APY · checked 3 times
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
246 Maple Ave E, Vienna, VA 22180
18 Month 360 CD
$0
3.60%
▲ 0.51% above Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.09%▲ 0.51% above avgNationally 2.88%
Details
CD rate calculator table; Online CD
Rate History
1 change since Sep 18, 2026 · 4.30% → 3.60% ▼ 0.70 pts · high 4.30% / low 3.60%
- Oct 14, 20263.60%▼ from 4.30%
- Sep 18, 20264.30%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
246 Maple Ave E, Vienna, VA 22180
360 CD - 18 Months
$0
3.60%
▲ 0.51% above Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.09%▲ 0.51% above avgNationally 2.88%
Details
Online CD; Annual Percentage Yield (APY) variable as of 10/14/2026; CD rates fixed upon opening the account; early withdrawal penalties apply
Rate History
1 change since Sep 18, 2026 · 4.30% → 3.60% ▼ 0.70 pts · high 4.30% / low 3.60%
- Oct 14, 20263.60%▼ from 4.30%
- Sep 18, 20264.30%first recorded
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
231 Maple Ave E, Vienna, VA 22180
IRA Certificate - 18 months
$0
3.50%
▲ 0.41% above Virginia avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average3.09%▲ 0.41% above avgNationally 2.88%
Details
Balance: $100,000 to $249,999
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
- Oct 8, 20263.50%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
231 Maple Ave E, Vienna, VA 22180
IRA Certificate - 18 months
$0
3.40%
▲ 0.31% above Virginia avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average3.09%▲ 0.31% above avgNationally 2.88%
Details
Balance: $1,000 to $99,999
Rate History
1 change since Sep 14, 2026 · 3.15% → 3.40% ▲ 0.25 pts · high 3.40% / low 3.15%
- Oct 8, 20263.40%▲ from 3.15%
- Sep 14, 20263.15%first recorded
Freedom Bank of Virginia
Institution Rating:
C+4.2 ★Texas Ratio: 24.99%
502 Maple Ave W, Vienna, VA 22180
18 Month Certificate
$500
3.30%
▲ 0.21% above Virginia avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.09%▲ 0.21% above avgNationally 2.88%
Details
Rate History
1 change since Sep 9, 2026 · 3.00% → 3.30% ▲ 0.30 pts · high 3.30% / low 3.00%
- Oct 14, 20263.30%▲ from 3.00%
- Sep 9, 20263.00%first recorded
Freedom Bank of Virginia
Institution Rating:
C+4.2 ★Texas Ratio: 24.99%
502 Maple Ave W, Vienna, VA 22180
Single Deposit IRA - 18 Month Certificate
$500
3.30%
▲ 0.21% above Virginia avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.09%▲ 0.21% above avgNationally 2.88%
Details
Rate History
No change since Oct 14, 2026 · 3.30% APY
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
231 Maple Ave E, Vienna, VA 22180
18 Month Regular Certificate
$1,000
3.25%
▲ 0.16% above Virginia avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average3.09%▲ 0.16% above avgNationally 2.88%
Details
Balance: $100,000 to $249,999
Rate History
No change since Oct 12, 2026 · 3.25% APY · checked 2 times
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
231 Maple Ave E, Vienna, VA 22180
18 Month Regular Certificate
$1,000
3.15%
▲ 0.06% above Virginia avg
▼
Rate3.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average3.09%▲ 0.06% above avgNationally 2.88%
Details
Balance: $1,000 to $99,999
Rate History
No change since Oct 12, 2026 · 3.15% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
8521 Leesburg Pike, Vienna, VA 22182
Term CD - 18-Month Term
$1,000
2.75%
▼ 0.34% below Virginia avg
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.09%▼ 0.34% below avgNationally 2.88%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 2.75% APY
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
374 Maple Ave E, Vienna, VA 22180
18 Month Standard Rate CDs
$500
1.80%
▼ 1.29% below Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.09%▼ 1.29% below avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 1.80% APY · checked 5 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2070 Chain Bridge Rd, Vienna, VA 22182
Non-Promotional TD Choice CD - 18 Month
$0
1.00%
▼ 2.09% below Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.09%▼ 2.09% below avgNationally 2.88%
Details
Balance: $250.00 - $9,999.99
Rate History
No change since Oct 14, 2026 · 1.00% APY
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2070 Chain Bridge Rd, Vienna, VA 22182
TD Choice CD 18 Month
$250
1.00%
▼ 2.09% below Virginia avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.09%▼ 2.09% below avgNationally 2.88%
Details
Non-Promotional; Balance: $250.00 - $9,999.99
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 2 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
440 Maple Ave E, Vienna, VA 22180
18 Month CD
$1,000
0.05%
▼ 3.04% below Virginia avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average3.09%▼ 3.04% below avgNationally 2.88%
Details
Standard rate; Truist offers any term from 7 days to 60 months at this rate, all balance tiers; rates accurate as of 5/12/2026
Rate History
No change since Oct 15, 2026 · 0.05% APY
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
353 Maple Ave E, Vienna, VA 22180
18 Month Certificate of Deposit
$0
0.03%
▼ 3.06% below Virginia avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.09%▼ 3.06% below avgNationally 2.88%
Details
Balance: $25,000.00 and above; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
353 Maple Ave E, Vienna, VA 22180
IRA CD - 18 Months
$250
0.03%
▼ 3.06% below Virginia avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.09%▼ 3.06% below avgNationally 2.88%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
353 Maple Ave E, Vienna, VA 22180
18 Month Certificate of Deposit
$0
0.02%
▼ 3.07% below Virginia avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.09%▼ 3.07% below avgNationally 2.88%
Details
Balance: $1,000.00 - $24,999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
353 Maple Ave E, Vienna, VA 22180
IRA CD - 18 Months
$250
0.02%
▼ 3.07% below Virginia avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.09%▼ 3.07% below avgNationally 2.88%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
8521 Leesburg Pike, Vienna, VA 22182
18 Month Certificate of Deposit
$500
0.02%
▼ 3.07% below Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.09%▼ 3.07% below avgNationally 2.88%
Details
CD yields may vary depending on your area. Contact your local branch for details.
Rate History
No change since Sep 18, 2026 · 0.02% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
353 Maple Ave E, Vienna, VA 22180
18 Month Certificate of Deposit
$0
0.01%
▼ 3.08% below Virginia avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.09%▼ 3.08% below avgNationally 2.88%
Details
Balance: $1.00 - $999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
353 Maple Ave E, Vienna, VA 22180
IRA CD - 18 Months
$250
0.01%
▼ 3.08% below Virginia avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.09%▼ 3.08% below avgNationally 2.88%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
18 Month Jumbo CD - Senior
$50,000
4.45%
▲ 1.36% above Virginia avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.09%▲ 1.36% above avgNationally 2.88%
Details
Senior rate
Rate History
No change since Oct 19, 2026 · 4.45% APY
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
18 month Certificate
$10,000
4.35%
▲ 1.26% above Virginia avg
▼
Rate4.35%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average3.09%▲ 1.26% above avgNationally 2.88%
Details
Minimum balance to earn dividends on certificates is $10,000.00; interest paid at maturity
Rate History
No change since Sep 25, 2026 · 4.35% APY · checked 5 times
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
18 month IRA Certificate
$10,000
4.35%
▲ 1.26% above Virginia avg
▼
Rate4.35%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average3.09%▲ 1.26% above avgNationally 2.88%
Details
Traditional or Roth; minimum balance to earn dividends on IRA certificates is $10,000.00; interest paid at maturity
Rate History
No change since Oct 4, 2026 · 4.35% APY · checked 4 times
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
18 Month Share Certificate
$100,000
4.35%
▲ 1.26% above Virginia avg
▼
Rate4.26%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average3.09%▲ 1.26% above avgNationally 2.88%
Details
Rate History
1 change since Oct 5, 2026 · 3.75% → 4.35% ▲ 0.60 pts · high 4.35% / low 3.75%
- Oct 13, 20264.35%▲ from 3.75%
- Oct 5, 20263.75%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
18 Month Regular CD - Senior
$500
4.35%
▲ 1.26% above Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.09%▲ 1.26% 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 Certificate
$500
4.30%
▲ 1.21% above Virginia avg
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average3.09%▲ 1.21% above avgNationally 2.88%
Details
Minimum balance of $500 required; Penalties apply for early withdrawal
Rate History
1 change since Sep 25, 2026 · 3.67% → 4.30% ▲ 0.63 pts · high 4.30% / low 3.67%
- Oct 8, 20264.30%▲ from 3.67%
- Sep 25, 20263.67%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Business Share Certificates - 18 Months
$500
4.30%
▲ 1.21% above Virginia avg
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average3.09%▲ 1.21% above avgNationally 2.88%
Details
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
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
18 Month IRA Certificates
$500
4.25%
▲ 1.16% above Virginia avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average3.09%▲ 1.16% above avgNationally 2.88%
Details
Early withdrawal penalties may apply. Fees may reduce the investment below the principal held at the beginning of the term.
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%
18 Month Share Certificate
$1,000
4.25%
▲ 1.16% above Virginia avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average3.09%▲ 1.16% above avgNationally 2.88%
Details
Term Certificates (Minimum to Open $1,000.00)
Rate History
1 change since Sep 12, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50%
- Oct 4, 20264.25%▲ from 3.50%
- Sep 12, 20263.50%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
18 Month Share Certificate
$500
4.25%
▲ 1.16% above Virginia avg
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average3.09%▲ 1.16% above avgNationally 2.88%
Details
Rate Effective Date: October 15, 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%
▲ 1.16% above Virginia avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.09%▲ 1.16% 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%
IRA Certificates - 18 Month Term
$500
4.25%
▲ 1.16% above Virginia avg
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.09%▲ 1.16% above avgNationally 2.88%
Details
Minimum opening balance $500; Dividend Rate 4.18%; Dividends compounded and credited quarterly; penalty may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 4.25% APY
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
Regular Certificates - 18 Month Term
$500
4.25%
▲ 1.16% above Virginia avg
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.09%▲ 1.16% above avgNationally 2.88%
Details
Minimum opening balance $500; Dividend Rate 4.18%; Dividends compounded and credited quarterly; penalty may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 4.25% APY
Oak View National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
18 Month CD
$0
4.15%
▲ 1.06% above Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average3.09%▲ 1.06% above avgNationally 2.88%
Details
Fall Into Savings promotional offer
Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 9 times
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
18 Month IRA Traditional & Roth CD
$500
4.15%
▲ 1.06% above Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.09%▲ 1.06% 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%
▲ 1.06% above Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.09%▲ 1.06% 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
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
18 Month Certificate
$1,000
4.10%
▲ 1.01% above Virginia avg
▼
Rate4.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average3.09%▲ 1.01% 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
Chesapeake Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
18 Month Certificate of Deposit
$0
4.00%
▲ 0.91% above Virginia avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.09%▲ 0.91% above avgNationally 2.88%
Details
Certificate ($1,000 minimum balance)
Rate History
No change since Oct 14, 2026 · 4.00% APY
MainStreet Bank
Institution Rating:
B-4.4 ★Texas Ratio: 22.15%
18 Month Certificate of Deposit
$500
3.90%
▲ 0.81% above Virginia avg
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.09%▲ 0.81% above avgNationally 2.88%
Details
Minimum to Open and Obtain APY: $500; rates current as of October 14, 2026
Rate History
No change since Sep 9, 2026 · 3.90% APY · checked 8 times
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.99%
Share and IRA Certificate - 18 Month
$500
3.85%
▲ 0.76% above Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average3.09%▲ 0.76% above avgNationally 2.88%
Details
Minimum Balance to Open and Earn APY: $500
Rate History
No change since Oct 13, 2026 · 3.85% APY · checked 2 times
Beach Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
18 Month Share Certificate
$0
3.82%
▲ 0.73% above Virginia avg
▼
Rate3.77%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average3.09%▲ 0.73% above avgNationally 2.88%
Details
Rate History
No change since Sep 21, 2026 · 3.82% APY · checked 5 times
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
18-Month Certificate
$0
3.81%
▲ 0.72% above Virginia avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average3.09%▲ 0.72% above avgNationally 2.88%
Details
Balance: $25,000.00 + over
Rate History
1 change since Sep 14, 2026 · 3.75% → 3.81% ▲ 0.06 pts · high 3.81% / low 3.75%
- Oct 9, 20263.81%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Vienna 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
8245 Boone Blvd, Vienna, VA 22182
24 Month CD
$1,000
4.35%
▲ 1.41% above Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.94%▲ 1.41% above avgNationally 2.90%
Details
APY accurate as of 09/24/2026; APY assumes interest remains on deposit until maturity
Rate History
No change since Sep 18, 2026 · 4.35% APY · checked 7 times
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
8245 Boone Blvd, Vienna, VA 22182
Certificate of Deposit 24 Months
$1,000
4.35%
▲ 1.41% above Virginia avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.94%▲ 1.41% above avgNationally 2.90%
Details
Rate History
No change since Sep 18, 2026 · 4.35% APY · checked 7 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
820 Follin LN SE, Vienna, VA 22180
Short-Term Certificate (Share, IRA, ESA) - 24 Months
$0
3.70%
▲ 0.76% above Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.94%▲ 0.76% above avgNationally 2.90%
Details
$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 3.70% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
820 Follin LN SE, Vienna, VA 22180
Short-Term Certificate (Share, IRA, ESA) - 24 Months
$0
3.66%
▲ 0.72% above Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.94%▲ 0.72% above avgNationally 2.90%
Details
$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals
Rate History
No change since Oct 14, 2026 · 3.66% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
820 Follin LN SE, Vienna, VA 22180
24 Month ESA EasyStart Certificate
$50
3.60%
▲ 0.66% above Virginia avg
▼
Rate3.54%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.94%▲ 0.66% above avgNationally 2.90%
Details
Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 3 times
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
246 Maple Ave E, Vienna, VA 22180
360 CD - 24 Months
$0
3.50%
▲ 0.56% above Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.94%▲ 0.56% above avgNationally 2.90%
Details
Online CD; Annual Percentage Yield (APY) variable as of 10/14/2026; CD rates fixed upon opening the account; early withdrawal penalties apply
Rate History
1 change since Sep 18, 2026 · 4.30% → 3.50% ▼ 0.80 pts · high 4.30% / low 3.50%
- Oct 14, 20263.50%▼ from 4.30%
- Sep 18, 20264.30%first recorded
Presidential Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.48%
8150 Leesburg Pike, Vienna, VA 22182
2 Year CD
$1,000
3.50%
▲ 0.56% above Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.94%▲ 0.56% above avgNationally 2.90%
Details
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 7 times
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
231 Maple Ave E, Vienna, VA 22180
IRA Certificate - 2 years
$0
3.50%
▲ 0.56% above Virginia avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average2.94%▲ 0.56% above avgNationally 2.90%
Details
Balance: $100,000 to $249,999
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
- Oct 8, 20263.50%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
231 Maple Ave E, Vienna, VA 22180
IRA Certificate - 2 years
$0
3.40%
▲ 0.46% above Virginia avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average2.94%▲ 0.46% above avgNationally 2.90%
Details
Balance: $1,000 to $99,999
Rate History
1 change since Sep 14, 2026 · 3.15% → 3.40% ▲ 0.25 pts · high 3.40% / low 3.15%
- Oct 8, 20263.40%▲ from 3.15%
- Sep 14, 20263.15%first recorded
Freedom Bank of Virginia
Institution Rating:
C+4.2 ★Texas Ratio: 24.99%
502 Maple Ave W, Vienna, VA 22180
24 Month Certificate
$500
3.30%
▲ 0.36% above Virginia avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.94%▲ 0.36% above avgNationally 2.90%
Details
Rate History
1 change since Sep 9, 2026 · 3.00% → 3.30% ▲ 0.30 pts · high 3.30% / low 3.00%
- Oct 14, 20263.30%▲ from 3.00%
- Sep 9, 20263.00%first recorded
Freedom Bank of Virginia
Institution Rating:
C+4.2 ★Texas Ratio: 24.99%
502 Maple Ave W, Vienna, VA 22180
24 Month Multiple Deposit IRA
$500
3.30%
▲ 0.36% above Virginia avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.94%▲ 0.36% above avgNationally 2.90%
Details
Rate History
1 change since Sep 9, 2026 · 3.00% → 3.30% ▲ 0.30 pts · high 3.30% / low 3.00%
- Oct 14, 20263.30%▲ from 3.00%
- Sep 9, 20263.00%first recorded
Freedom Bank of Virginia
Institution Rating:
C+4.2 ★Texas Ratio: 24.99%
502 Maple Ave W, Vienna, VA 22180
Single Deposit IRA - 24 Month Certificate
$500
3.30%
▲ 0.36% above Virginia avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.94%▲ 0.36% above avgNationally 2.90%
Details
Rate History
No change since Oct 14, 2026 · 3.30% APY
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
231 Maple Ave E, Vienna, VA 22180
2 Year Regular Certificate
$1,000
3.25%
▲ 0.31% above Virginia avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average2.94%▲ 0.31% above avgNationally 2.90%
Details
Balance: $100,000 to $249,999
Rate History
No change since Oct 12, 2026 · 3.25% APY · checked 2 times
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
231 Maple Ave E, Vienna, VA 22180
2 Year Regular Certificate
$1,000
3.15%
▲ 0.21% above Virginia avg
▼
Rate3.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average2.94%▲ 0.21% above avgNationally 2.90%
Details
Balance: $1,000 to $99,999
Rate History
No change since Oct 12, 2026 · 3.15% APY · checked 2 times
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2095 Chain Bridge Rd, Vienna, VA 22182
2 Year Standard CDs and IRAs
$0
2.50%
▼ 0.44% below Virginia avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.94%▼ 0.44% below avgNationally 2.90%
Details
Minimum opening deposit: CD - $1,000; IRA - $500; no minimum balance required after account opening to obtain disclosed APY
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 5 times
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
374 Maple Ave E, Vienna, VA 22180
2 Year Standard Rate CDs
$500
1.80%
▼ 1.14% below Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.94%▼ 1.14% below avgNationally 2.90%
Details
Rate History
No change since Sep 18, 2026 · 1.80% APY · checked 5 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2070 Chain Bridge Rd, Vienna, VA 22182
TD Choice CD 24 Month
$250
1.00%
▼ 1.94% below Virginia avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.94%▼ 1.94% below avgNationally 2.90%
Details
Non-Promotional; Balance: $250.00 - $9,999.99
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
8521 Leesburg Pike, Vienna, VA 22182
Jumbo CD - 2-Year Jumbo
$100,000
0.40%
▼ 2.54% below Virginia avg
▼
Rate0.40%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.94%▼ 2.54% below avgNationally 2.90%
Details
Jumbo CDs
Rate History
No change since Oct 14, 2026 · 0.40% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
8521 Leesburg Pike, Vienna, VA 22182
Term CD - 2-Year Term
$1,000
0.40%
▼ 2.54% below Virginia avg
▼
Rate0.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.94%▼ 2.54% below avgNationally 2.90%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 0.40% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
8521 Leesburg Pike, Vienna, VA 22182
RampUp CD - 2-Year RampUp Plus
$25,000
0.25%
▼ 2.69% below Virginia avg
▼
Rate0.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.94%▼ 2.69% below avgNationally 2.90%
Details
Ramp Up CDs
Rate History
No change since Oct 14, 2026 · 0.25% APY
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
8521 Leesburg Pike, Vienna, VA 22182
2 Year Certificate of Deposit
$500
0.05%
▼ 2.89% below Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.94%▼ 2.89% below avgNationally 2.90%
Details
CD yields may vary depending on your area. Contact your local branch for details.
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 5 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
440 Maple Ave E, Vienna, VA 22180
24 Month CD
$1,000
0.05%
▼ 2.89% below Virginia avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average2.94%▼ 2.89% below avgNationally 2.90%
Details
Standard rate; Truist offers any term from 7 days to 60 months at this rate, all balance tiers; rates accurate as of 5/12/2026
Rate History
No change since Oct 15, 2026 · 0.05% APY
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
353 Maple Ave E, Vienna, VA 22180
24 Month Certificate of Deposit
$0
0.03%
▼ 2.91% below Virginia avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.94%▼ 2.91% below avgNationally 2.90%
Details
Balance: $25,000.00 and above; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
353 Maple Ave E, Vienna, VA 22180
IRA CD - 24 Months
$250
0.03%
▼ 2.91% below Virginia avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.94%▼ 2.91% below avgNationally 2.90%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
353 Maple Ave E, Vienna, VA 22180
24 Month Certificate of Deposit
$0
0.02%
▼ 2.92% below Virginia avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.94%▼ 2.92% below avgNationally 2.90%
Details
Balance: $1,000.00 - $24,999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
353 Maple Ave E, Vienna, VA 22180
IRA CD - 24 Months
$250
0.02%
▼ 2.92% below Virginia avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.94%▼ 2.92% below avgNationally 2.90%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
353 Maple Ave E, Vienna, VA 22180
24 Month Certificate of Deposit
$0
0.01%
▼ 2.93% below Virginia avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.94%▼ 2.93% below avgNationally 2.90%
Details
Balance: $1.00 - $999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
353 Maple Ave E, Vienna, VA 22180
IRA CD - 24 Months
$250
0.01%
▼ 2.93% below Virginia avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.94%▼ 2.93% below avgNationally 2.90%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
24 Month New Money CD
$1,000
4.60%
▲ 1.66% above Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.94%▲ 1.66% above avgNationally 2.90%
Details
Minimum balance to open account online: $1,000; Online only; Early withdrawal penalty may apply
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%
▲ 1.51% above Virginia avg
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.94%▲ 1.51% 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%
24 Month CD - Wealth Center/Telephone
$1,000
4.40%
▲ 1.46% above Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.94%▲ 1.46% above avgNationally 2.90%
Details
Wealth Center/Telephone; Minimum balance to open account: $1,000; Early withdrawal penalty may apply
Rate History
No change since Oct 14, 2026 · 4.40% APY
HSBC Bank USA
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
24 Month Online CD
$1,000
4.40%
▲ 1.46% above Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.94%▲ 1.46% above avgNationally 2.90%
Details
Minimum balance to open account online: $1,000; Only available to existing Premier customers; Online only; Early withdrawal penalty may apply
Rate History
No change since Sep 24, 2026 · 4.40% APY · checked 6 times
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
24 Month Share Certificate
$0
4.40%
▲ 1.46% above Virginia avg
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.94%▲ 1.46% above avgNationally 2.90%
Details
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
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
2 Year Certificate - Special Rate
$1,000
4.40%
▲ 1.46% above Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average2.94%▲ 1.46% above avgNationally 2.90%
Details
Special Rate (APY)
Rate History
No change since Oct 12, 2026 · 4.40% APY · checked 2 times
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
24 Month Share Certificate
$500
4.35%
▲ 1.41% above Virginia avg
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average2.94%▲ 1.41% above avgNationally 2.90%
Details
Minimum balance of $500 required; Penalties apply for early withdrawal
Rate History
1 change since Sep 25, 2026 · 3.67% → 4.35% ▲ 0.68 pts · high 4.35% / low 3.67%
- Oct 8, 20264.35%▲ from 3.67%
- Sep 25, 20263.67%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Business Share Certificates - 24 Months
$500
4.35%
▲ 1.41% above Virginia avg
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average2.94%▲ 1.41% above avgNationally 2.90%
Details
Rate History
No change since Oct 4, 2026 · 4.35% APY · checked 3 times
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
24 Month Share Certificate
$100,000
4.35%
▲ 1.41% above Virginia avg
▼
Rate4.26%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average2.94%▲ 1.41% above avgNationally 2.90%
Details
Rate History
1 change since Oct 5, 2026 · 3.80% → 4.35% ▲ 0.55 pts · high 4.35% / low 3.80%
- Oct 13, 20264.35%▲ from 3.80%
- Oct 5, 20263.80%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
24 Month Jumbo CD
$50,000
4.30%
▲ 1.36% above Virginia avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.94%▲ 1.36% above avgNationally 2.90%
Details
Rate History
1 change since Sep 21, 2026 · 3.95% → 4.30% ▲ 0.35 pts · high 4.30% / low 3.95%
- Oct 5, 20264.30%▲ from 3.95%
- Sep 21, 20263.95%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
24 Month Share Certificate
$1,000
4.25%
▲ 1.31% above Virginia avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average2.94%▲ 1.31% above avgNationally 2.90%
Details
Term Certificates (Minimum to Open $1,000.00)
Rate History
1 change since Sep 12, 2026 · 3.50% → 4.25% ▲ 0.75 pts · high 4.25% / low 3.50%
- Oct 4, 20264.25%▲ from 3.50%
- Sep 12, 20263.50%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
24 Month Share Certificate
$500
4.25%
▲ 1.31% above Virginia avg
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average2.94%▲ 1.31% above avgNationally 2.90%
Details
Rate Effective Date: October 15, 2026
Rate History
1 change since Oct 5, 2026 · 3.80% → 4.25% ▲ 0.45 pts · high 4.25% / low 3.80%
- Oct 13, 20264.25%▲ from 3.80%
- Oct 5, 20263.80%first recorded
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
IRA Certificates - 2 Year Term
$500
4.25%
▲ 1.31% above Virginia avg
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.94%▲ 1.31% above avgNationally 2.90%
Details
Minimum opening balance $500; Dividend Rate 4.18%; Dividends compounded and credited quarterly; penalty may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 4.25% APY
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
Regular Certificates - 2 Year Term
$500
4.25%
▲ 1.31% above Virginia avg
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.94%▲ 1.31% above avgNationally 2.90%
Details
Minimum opening balance $500; Dividend Rate 4.18%; Dividends compounded and credited quarterly; penalty may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 4.25% APY
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
2 Year IRA Traditional & Roth CD
$500
4.20%
▲ 1.26% above Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.94%▲ 1.26% above avgNationally 2.90%
Details
Rate History
1 change since Sep 21, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
- Oct 13, 20264.20%▲ from 3.85%
- Sep 21, 20263.85%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
24 Month Regular CD
$500
4.20%
▲ 1.26% above Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.94%▲ 1.26% above avgNationally 2.90%
Details
Rate History
1 change since Sep 21, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
- Oct 5, 20264.20%▲ from 3.85%
- Sep 21, 20263.85%first recorded
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
24 Month Certificate
$1,000
4.15%
▲ 1.21% above Virginia avg
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average2.94%▲ 1.21% above avgNationally 2.90%
Details
Paid monthly
Rate History
1 change since Sep 14, 2026 · 3.45% → 4.15% ▲ 0.70 pts · high 4.15% / low 3.45%
- Oct 5, 20264.15%▲ from 3.45%
- Sep 14, 20263.45%first recorded
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
24 Month Share Certificate
$500
4.13%
▲ 1.19% above Virginia avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.94%▲ 1.19% above avgNationally 2.90%
Details
Balance: $1M+
Rate History
No change since Sep 14, 2026 · 4.13% APY · checked 6 times
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
IRA Certificate - 24 Months
$500
4.13%
▲ 1.19% above Virginia avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.94%▲ 1.19% above avgNationally 2.90%
Details
Minimum $500 deposit required for IRA certificate accounts; Penalties may apply for early withdrawals from IRA certificate accounts
Rate History
No change since Sep 22, 2026 · 4.13% APY · checked 3 times
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificates - 24 Month
$0
4.12%
▲ 1.18% above Virginia avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average2.94%▲ 1.18% above avgNationally 2.90%
Details
Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal
Rate History
2 changes since Sep 14, 2026 · 3.96% → 4.12% ▲ 0.16 pts · high 4.12% / low 3.96%
- Oct 15, 20264.12%▲ from 4.02%
- Oct 13, 20264.02%▲ from 3.96%
- Sep 14, 20263.96%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 24 Month
$0
4.12%
▲ 1.18% above Virginia avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average2.94%▲ 1.18% above avgNationally 2.90%
Details
IRA; Minimum daily balance to earn APY: $40,000; Early withdrawal penalty will or may be imposed
Rate History
3 changes since Sep 14, 2026 · 3.96% → 4.12% ▲ 0.16 pts · high 4.12% / low 3.96%
- Oct 15, 20264.12%▲ from 4.02%
- Oct 13, 20264.02%▲ from 3.97%
- Sep 25, 20263.97%▲ from 3.96%
- Sep 14, 20263.96%first recorded
Loudoun Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
Share Certificate - 24 Months
$1,000
4.06%
▲ 1.12% above Virginia avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.94%▲ 1.12% above avgNationally 2.90%
Details
Dividends calculated on Daily Balance method, compounded and paid Quarterly; CD withdrawal penalties: up to 1 year 90 days interest, over 1 year 180 days interest
Rate History
1 change since Sep 18, 2026 · 3.80% → 4.06% ▲ 0.26 pts · high 4.06% / low 3.80%
- Oct 13, 20264.06%▲ from 3.80%
- Sep 18, 20263.80%first recorded
Vienna 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%
820 Follin LN SE, Vienna, VA 22180
3 Year ESA Long-Term Certificate
$0
4.15%
▲ 1.22% above Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.93%▲ 1.22% above avgNationally 2.82%
Details
Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
820 Follin LN SE, Vienna, VA 22180
3 Year ESA Long-Term Certificate
$0
4.10%
▲ 1.17% above Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.93%▲ 1.17% above avgNationally 2.82%
Details
Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 4 times
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
8245 Boone Blvd, Vienna, VA 22182
Certificate of Deposit 36 Months
$1,000
3.75%
▲ 0.82% above Virginia avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.93%▲ 0.82% above avgNationally 2.82%
Details
Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 6 times
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
246 Maple Ave E, Vienna, VA 22180
360 CD - 36 Months
$0
3.50%
▲ 0.57% above Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.93%▲ 0.57% above avgNationally 2.82%
Details
Online CD; Annual Percentage Yield (APY) variable as of 10/14/2026; CD rates fixed upon opening the account; early withdrawal penalties apply
Rate History
1 change since Sep 18, 2026 · 4.30% → 3.50% ▼ 0.80 pts · high 4.30% / low 3.50%
- Oct 14, 20263.50%▼ from 4.30%
- Sep 18, 20264.30%first recorded
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
231 Maple Ave E, Vienna, VA 22180
IRA Certificate - 3 years
$0
3.50%
▲ 0.57% above Virginia avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average2.93%▲ 0.57% above avgNationally 2.82%
Details
Balance: $100,000 to $249,999
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
- Oct 8, 20263.50%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
231 Maple Ave E, Vienna, VA 22180
IRA Certificate - 3 years
$0
3.40%
▲ 0.47% above Virginia avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average2.93%▲ 0.47% above avgNationally 2.82%
Details
Balance: $1,000 to $99,999
Rate History
1 change since Sep 14, 2026 · 3.15% → 3.40% ▲ 0.25 pts · high 3.40% / low 3.15%
- Oct 8, 20263.40%▲ from 3.15%
- Sep 14, 20263.15%first recorded
Freedom Bank of Virginia
Institution Rating:
C+4.2 ★Texas Ratio: 24.99%
502 Maple Ave W, Vienna, VA 22180
36 Month Certificate
$500
3.35%
▲ 0.42% above Virginia avg
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.93%▲ 0.42% above avgNationally 2.82%
Details
Rate History
1 change since Sep 9, 2026 · 3.30% → 3.35% ▲ 0.05 pts · high 3.35% / low 3.30%
- Oct 14, 20263.35%▲ from 3.30%
- Sep 9, 20263.30%first recorded
Freedom Bank of Virginia
Institution Rating:
C+4.2 ★Texas Ratio: 24.99%
502 Maple Ave W, Vienna, VA 22180
Single Deposit IRA - 36 Month Certificate
$500
3.35%
▲ 0.42% above Virginia avg
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.93%▲ 0.42% above avgNationally 2.82%
Details
Rate History
No change since Oct 14, 2026 · 3.35% APY
Presidential Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.48%
8150 Leesburg Pike, Vienna, VA 22182
3 Year CD
$1,000
3.25%
▲ 0.32% above Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.93%▲ 0.32% above avgNationally 2.82%
Details
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 7 times
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
231 Maple Ave E, Vienna, VA 22180
3 Year Regular Certificate
$1,000
3.25%
▲ 0.32% above Virginia avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average2.93%▲ 0.32% above avgNationally 2.82%
Details
Balance: $100,000 to $249,999
Rate History
No change since Oct 12, 2026 · 3.25% APY · checked 2 times
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
231 Maple Ave E, Vienna, VA 22180
3 Year Regular Certificate
$1,000
3.15%
▲ 0.22% above Virginia avg
▼
Rate3.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average2.93%▲ 0.22% above avgNationally 2.82%
Details
Balance: $1,000 to $99,999
Rate History
No change since Oct 12, 2026 · 3.15% APY · checked 2 times
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2095 Chain Bridge Rd, Vienna, VA 22182
3 Year Standard CDs and IRAs
$0
2.50%
▼ 0.43% below Virginia avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.93%▼ 0.43% below avgNationally 2.82%
Details
Minimum opening deposit: CD - $1,000; IRA - $500; no minimum balance required after account opening to obtain disclosed APY
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 5 times
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
374 Maple Ave E, Vienna, VA 22180
3 Year Standard Rate CDs
$500
1.85%
▼ 1.08% below Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.93%▼ 1.08% below avgNationally 2.82%
Details
Rate History
No change since Sep 18, 2026 · 1.85% APY · checked 5 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2070 Chain Bridge Rd, Vienna, VA 22182
TD Choice CD 3 Year
$250
1.00%
▼ 1.93% below Virginia avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.93%▼ 1.93% below avgNationally 2.82%
Details
Non-Promotional; Balance: $250.00 - $9,999.99
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
8521 Leesburg Pike, Vienna, VA 22182
Jumbo CD - 3-Year Jumbo
$100,000
0.40%
▼ 2.53% below Virginia avg
▼
Rate0.40%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.93%▼ 2.53% below avgNationally 2.82%
Details
Jumbo CDs
Rate History
No change since Oct 14, 2026 · 0.40% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
8521 Leesburg Pike, Vienna, VA 22182
Term CD - 3-Year Term
$1,000
0.40%
▼ 2.53% below Virginia avg
▼
Rate0.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.93%▼ 2.53% below avgNationally 2.82%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 0.40% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
8521 Leesburg Pike, Vienna, VA 22182
RampUp CD - 3-Year RampUp
$25,000
0.25%
▼ 2.68% below Virginia avg
▼
Rate0.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.93%▼ 2.68% below avgNationally 2.82%
Details
Ramp Up CDs
Rate History
No change since Oct 14, 2026 · 0.25% APY
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
8521 Leesburg Pike, Vienna, VA 22182
3 Year Certificate of Deposit
$500
0.05%
▼ 2.88% below Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.93%▼ 2.88% below avgNationally 2.82%
Details
CD yields may vary depending on your area. Contact your local branch for details.
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 5 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
440 Maple Ave E, Vienna, VA 22180
36 Month CD
$1,000
0.05%
▼ 2.88% below Virginia avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average2.93%▼ 2.88% below avgNationally 2.82%
Details
Standard rate; Truist offers any term from 7 days to 60 months at this rate, all balance tiers; rates accurate as of 5/12/2026
Rate History
No change since Oct 15, 2026 · 0.05% APY
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
353 Maple Ave E, Vienna, VA 22180
36 Month Certificate of Deposit
$0
0.03%
▼ 2.90% below Virginia avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.93%▼ 2.90% below avgNationally 2.82%
Details
Balance: $25,000.00 and above; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
353 Maple Ave E, Vienna, VA 22180
IRA CD - 36 Months
$250
0.03%
▼ 2.90% below Virginia avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.93%▼ 2.90% below avgNationally 2.82%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
353 Maple Ave E, Vienna, VA 22180
36 Month Certificate of Deposit
$0
0.02%
▼ 2.91% below Virginia avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.93%▼ 2.91% below avgNationally 2.82%
Details
Balance: $1,000.00 - $24,999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
353 Maple Ave E, Vienna, VA 22180
IRA CD - 36 Months
$250
0.02%
▼ 2.91% below Virginia avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.93%▼ 2.91% below avgNationally 2.82%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
353 Maple Ave E, Vienna, VA 22180
36 Month Certificate of Deposit
$0
0.01%
▼ 2.92% below Virginia avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.93%▼ 2.92% below avgNationally 2.82%
Details
Balance: $1.00 - $999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
353 Maple Ave E, Vienna, VA 22180
IRA CD - 36 Months
$250
0.01%
▼ 2.92% below Virginia avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.93%▼ 2.92% below avgNationally 2.82%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
36 Month Share Certificate
$500
4.59%
▲ 1.66% above Virginia avg
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.93%▲ 1.66% above avgNationally 2.82%
Details
Balance: $1M+
Rate History
No change since Sep 14, 2026 · 4.59% APY · checked 6 times
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
IRA Certificate - 36 Months
$500
4.59%
▲ 1.66% above Virginia avg
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.93%▲ 1.66% above avgNationally 2.82%
Details
Minimum $500 deposit required for IRA certificate accounts; Penalties may apply for early withdrawals from IRA certificate accounts
Rate History
No change since Sep 22, 2026 · 4.59% APY · checked 3 times
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
36 Month Elite Jumbo CD
$250,000
4.50%
▲ 1.57% above Virginia avg
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.93%▲ 1.57% above avgNationally 2.82%
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%
36 Month Share Certificate
$0
4.45%
▲ 1.52% above Virginia avg
▼
Rate4.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.93%▲ 1.52% above avgNationally 2.82%
Details
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
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
3 Year Certificate - Special Rate
$1,000
4.40%
▲ 1.47% above Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average2.93%▲ 1.47% above avgNationally 2.82%
Details
Special Rate (APY)
Rate History
No change since Oct 12, 2026 · 4.40% APY · checked 2 times
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
36 Month Share Certificate
$100,000
4.40%
▲ 1.47% above Virginia avg
▼
Rate4.31%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average2.93%▲ 1.47% above avgNationally 2.82%
Details
Rate History
1 change since Oct 5, 2026 · 3.80% → 4.40% ▲ 0.60 pts · high 4.40% / low 3.80%
- Oct 13, 20264.40%▲ from 3.80%
- Oct 5, 20263.80%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
36 Month Share Certificate
$500
4.35%
▲ 1.42% above Virginia avg
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average2.93%▲ 1.42% above avgNationally 2.82%
Details
Minimum balance of $500 required; Penalties apply for early withdrawal
Rate History
1 change since Sep 25, 2026 · 3.82% → 4.35% ▲ 0.53 pts · high 4.35% / low 3.82%
- Oct 8, 20264.35%▲ from 3.82%
- Sep 25, 20263.82%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Business Share Certificates - 36 Months
$500
4.35%
▲ 1.42% above Virginia avg
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average2.93%▲ 1.42% above avgNationally 2.82%
Details
Rate History
No change since Oct 4, 2026 · 4.35% APY · checked 3 times
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
36 Month Jumbo CD
$50,000
4.35%
▲ 1.42% above Virginia avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.93%▲ 1.42% above avgNationally 2.82%
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%
▲ 1.40% above Virginia avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.93%▲ 1.40% above avgNationally 2.82%
Details
Balance: $250,000 - $999,999
Rate History
No change since Sep 14, 2026 · 4.33% APY · checked 6 times
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
36 Month Share Certificate
$500
4.30%
▲ 1.37% above Virginia avg
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average2.93%▲ 1.37% above avgNationally 2.82%
Details
Rate Effective Date: October 15, 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%
36 Month Share Certificate
$1,000
4.25%
▲ 1.32% above Virginia avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average2.93%▲ 1.32% above avgNationally 2.82%
Details
Term Certificates (Minimum to Open $1,000.00)
Rate History
1 change since Sep 12, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
- Oct 4, 20264.25%▲ from 3.75%
- Sep 12, 20263.75%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
3 Year IRA Traditional & Roth CD
$500
4.25%
▲ 1.32% above Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.93%▲ 1.32% above avgNationally 2.82%
Details
Rate History
1 change since Sep 21, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
- Oct 13, 20264.25%▲ from 3.90%
- Sep 21, 20263.90%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
36 Month Regular CD
$500
4.25%
▲ 1.32% above Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.93%▲ 1.32% above avgNationally 2.82%
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%
IRA Certificates - 3 Year Term
$500
4.25%
▲ 1.32% above Virginia avg
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.93%▲ 1.32% above avgNationally 2.82%
Details
Minimum opening balance $500; Dividend Rate 4.18%; Dividends compounded and credited quarterly; penalty may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 4.25% APY
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
Regular Certificates - 3 Year Term
$500
4.25%
▲ 1.32% above Virginia avg
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.93%▲ 1.32% above avgNationally 2.82%
Details
Minimum opening balance $500; Dividend Rate 4.18%; Dividends compounded and credited quarterly; penalty may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 4.25% APY
First Sentinel Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
36-Month CD/IRA
$500
4.16%
▲ 1.23% above Virginia avg
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.93%▲ 1.23% above avgNationally 2.82%
Details
Rates as of 09/23/2026; Penalty for early withdrawal
Rate History
No change since Sep 30, 2026 · 4.16% APY · checked 5 times
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificates - 36 Month
$0
4.12%
▲ 1.19% above Virginia avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average2.93%▲ 1.19% above avgNationally 2.82%
Details
Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal
Rate History
2 changes since Sep 14, 2026 · 3.91% → 4.12% ▲ 0.21 pts · high 4.12% / low 3.91%
- Oct 15, 20264.12%▲ from 4.02%
- Oct 13, 20264.02%▲ from 3.91%
- Sep 14, 20263.91%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 36 Month
$0
4.12%
▲ 1.19% above Virginia avg
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average2.93%▲ 1.19% above avgNationally 2.82%
Details
IRA; 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 15, 20264.12%▲ from 4.02%
- Oct 13, 20264.02%▲ from 3.97%
- Sep 25, 20263.97%▲ from 3.91%
- Sep 14, 20263.91%first recorded
Democracy Federal Credit Union
Institution Rating:
A-4.6 ★Texas Ratio: 9.01%
36 Month IRA Certificate - Traditional or Roth
$2,000
4.10%
▲ 1.17% above Virginia avg
▼
Rate4.04%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average2.93%▲ 1.17% above avgNationally 2.82%
Details
Minimum additional deposit: $25; Maximum limit (cap) on deposit for each IRA product is $250,000
Rate History
No change since Sep 25, 2026 · 4.10% APY · checked 3 times
Henrico Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.10%
36 Month Certificate
$0
4.10%
▲ 1.17% above Virginia avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average2.93%▲ 1.17% above avgNationally 2.82%
Details
Min. Balance to Earn Dividends: $100,000
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
Loudoun Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
Share Certificate - 36 Months
$1,000
4.06%
▲ 1.13% above Virginia avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.93%▲ 1.13% above avgNationally 2.82%
Details
Dividends calculated on Daily Balance method, compounded and paid Quarterly; CD withdrawal penalties: up to 1 year 90 days interest, over 1 year 180 days interest
Rate History
1 change since Sep 18, 2026 · 3.75% → 4.06% ▲ 0.31 pts · high 4.06% / low 3.75%
- Oct 13, 20264.06%▲ from 3.75%
- Sep 18, 20263.75%first recorded
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
36 Month Certificate
$1,000
4.05%
▲ 1.12% above Virginia avg
▼
Rate3.98%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average2.93%▲ 1.12% above avgNationally 2.82%
Details
Paid monthly
Rate History
1 change since Sep 14, 2026 · 3.40% → 4.05% ▲ 0.65 pts · high 4.05% / low 3.40%
- Oct 5, 20264.05%▲ from 3.40%
- Sep 14, 20263.40%first recorded
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
2 - 3 Year Business Investment Certificate - Jumbo
$0
4.05%
▲ 1.12% above Virginia avg
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.93%▲ 1.12% above avgNationally 2.82%
Details
$100k; Term: 2 to 3 Years (730 to 1,094 days); Jumbo ($100k minimum); Early Withdrawal Penalty: 180 Days' Dividends
Rate History
No change since Oct 14, 2026 · 4.05% APY · checked 2 times
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
2 - 3 Year Investment Certificate - Jumbo
$1,000
4.05%
▲ 1.12% above Virginia avg
▼
Rate3.98%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.93%▲ 1.12% above avgNationally 2.82%
Details
$100k; Term: 2 to 3 Years (730 to 1,094 days); Jumbo ($100k minimum); Early Withdrawal Penalty: 90 Days' Dividends
Rate History
No change since Oct 14, 2026 · 4.05% APY · checked 2 times
Vienna 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
8245 Boone Blvd, Vienna, VA 22182
Certificate of Deposit 48 Months
$1,000
3.75%
▲ 0.86% above Virginia avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.89%▲ 0.86% above avgNationally 2.81%
Details
Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 6 times
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
246 Maple Ave E, Vienna, VA 22180
360 CD - 48 Months
$0
3.50%
▲ 0.61% above Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.89%▲ 0.61% above avgNationally 2.81%
Details
Online CD; Annual Percentage Yield (APY) variable as of 10/14/2026; CD rates fixed upon opening the account; early withdrawal penalties apply
Rate History
1 change since Sep 18, 2026 · 4.30% → 3.50% ▼ 0.80 pts · high 4.30% / low 3.50%
- Oct 14, 20263.50%▼ from 4.30%
- Sep 18, 20264.30%first recorded
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
231 Maple Ave E, Vienna, VA 22180
IRA Certificate - 4 years
$0
3.50%
▲ 0.61% above Virginia avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average2.89%▲ 0.61% above avgNationally 2.81%
Details
Balance: $100,000 to $249,999
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
- Oct 8, 20263.50%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Freedom Bank of Virginia
Institution Rating:
C+4.2 ★Texas Ratio: 24.99%
502 Maple Ave W, Vienna, VA 22180
48 Month Certificate
$500
3.40%
▲ 0.51% above Virginia avg
▼
Rate3.34%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.89%▲ 0.51% above avgNationally 2.81%
Details
Rate History
1 change since Sep 9, 2026 · 3.00% → 3.40% ▲ 0.40 pts · high 3.40% / low 3.00%
- Oct 14, 20263.40%▲ from 3.00%
- Sep 9, 20263.00%first recorded
Freedom Bank of Virginia
Institution Rating:
C+4.2 ★Texas Ratio: 24.99%
502 Maple Ave W, Vienna, VA 22180
Single Deposit IRA - 48 Month Certificate
$500
3.40%
▲ 0.51% above Virginia avg
▼
Rate3.34%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.89%▲ 0.51% above avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 3.40% APY
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
231 Maple Ave E, Vienna, VA 22180
IRA Certificate - 4 years
$0
3.40%
▲ 0.51% above Virginia avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average2.89%▲ 0.51% above avgNationally 2.81%
Details
Balance: $1,000 to $99,999
Rate History
1 change since Sep 14, 2026 · 3.15% → 3.40% ▲ 0.25 pts · high 3.40% / low 3.15%
- Oct 8, 20263.40%▲ from 3.15%
- Sep 14, 20263.15%first recorded
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
231 Maple Ave E, Vienna, VA 22180
4 Year Regular Certificate
$1,000
3.25%
▲ 0.36% above Virginia avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average2.89%▲ 0.36% above avgNationally 2.81%
Details
Balance: $100,000 to $249,999
Rate History
No change since Oct 12, 2026 · 3.25% APY · checked 2 times
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
231 Maple Ave E, Vienna, VA 22180
4 Year Regular Certificate
$1,000
3.15%
▲ 0.26% above Virginia avg
▼
Rate3.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average2.89%▲ 0.26% above avgNationally 2.81%
Details
Balance: $1,000 to $99,999
Rate History
No change since Oct 12, 2026 · 3.15% APY · checked 2 times
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2095 Chain Bridge Rd, Vienna, VA 22182
4 Year Standard CDs and IRAs
$0
2.50%
▼ 0.39% below Virginia avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.89%▼ 0.39% below avgNationally 2.81%
Details
Minimum opening deposit: CD - $1,000; IRA - $500; no minimum balance required after account opening to obtain disclosed APY
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 5 times
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
374 Maple Ave E, Vienna, VA 22180
4 Year Standard Rate CDs
$500
1.90%
▼ 0.99% below Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.89%▼ 0.99% below avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 1.90% APY · checked 5 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
8521 Leesburg Pike, Vienna, VA 22182
Jumbo CD - 4-Year Jumbo
$100,000
0.50%
▼ 2.39% below Virginia avg
▼
Rate0.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.89%▼ 2.39% below avgNationally 2.81%
Details
Jumbo CDs
Rate History
No change since Oct 14, 2026 · 0.50% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
8521 Leesburg Pike, Vienna, VA 22182
Term CD - 4-Year Term
$1,000
0.50%
▼ 2.39% below Virginia avg
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.89%▼ 2.39% below avgNationally 2.81%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 0.50% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
8521 Leesburg Pike, Vienna, VA 22182
RampUp CD - 4-Year RampUp
$50,000
0.25%
▼ 2.64% below Virginia avg
▼
Rate0.25%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.89%▼ 2.64% below avgNationally 2.81%
Details
Ramp Up CDs
Rate History
No change since Oct 14, 2026 · 0.25% APY
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
8521 Leesburg Pike, Vienna, VA 22182
4 Year Certificate of Deposit
$500
0.15%
▼ 2.74% below Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.89%▼ 2.74% below avgNationally 2.81%
Details
CD yields may vary depending on your area. Contact your local branch for details.
Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 5 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
440 Maple Ave E, Vienna, VA 22180
48 Month CD
$1,000
0.05%
▼ 2.84% below Virginia avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average2.89%▼ 2.84% below avgNationally 2.81%
Details
Standard rate; Truist offers any term from 7 days to 60 months at this rate, all balance tiers; rates accurate as of 5/12/2026
Rate History
No change since Oct 15, 2026 · 0.05% APY
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
353 Maple Ave E, Vienna, VA 22180
48 Month Certificate of Deposit
$0
0.03%
▼ 2.86% below Virginia avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.89%▼ 2.86% below avgNationally 2.81%
Details
Balance: $25,000.00 and above; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
353 Maple Ave E, Vienna, VA 22180
IRA CD - 48 Months
$250
0.03%
▼ 2.86% below Virginia avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.89%▼ 2.86% below avgNationally 2.81%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
353 Maple Ave E, Vienna, VA 22180
48 Month Certificate of Deposit
$0
0.02%
▼ 2.87% below Virginia avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.89%▼ 2.87% below avgNationally 2.81%
Details
Balance: $1,000.00 - $24,999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
353 Maple Ave E, Vienna, VA 22180
IRA CD - 48 Months
$250
0.02%
▼ 2.87% below Virginia avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.89%▼ 2.87% below avgNationally 2.81%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
353 Maple Ave E, Vienna, VA 22180
48 Month Certificate of Deposit
$0
0.01%
▼ 2.88% below Virginia avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.89%▼ 2.88% below avgNationally 2.81%
Details
Balance: $1.00 - $999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
353 Maple Ave E, Vienna, VA 22180
IRA CD - 48 Months
$250
0.01%
▼ 2.88% below Virginia avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.89%▼ 2.88% below avgNationally 2.81%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
48 Month Elite Jumbo CD
$250,000
4.75%
▲ 1.86% above Virginia avg
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.89%▲ 1.86% 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%
48 Month Share Certificate
$0
4.50%
▲ 1.61% above Virginia avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.89%▲ 1.61% above avgNationally 2.81%
Details
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
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
4 Year Certificate - Special Rate
$1,000
4.40%
▲ 1.51% above Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average2.89%▲ 1.51% above avgNationally 2.81%
Details
Special Rate (APY)
Rate History
No change since Oct 12, 2026 · 4.40% APY · checked 2 times
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
48 Month Share Certificate
$100,000
4.40%
▲ 1.51% above Virginia avg
▼
Rate4.31%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average2.89%▲ 1.51% above avgNationally 2.81%
Details
Rate History
1 change since Oct 5, 2026 · 3.80% → 4.40% ▲ 0.60 pts · high 4.40% / low 3.80%
- Oct 13, 20264.40%▲ from 3.80%
- Oct 5, 20263.80%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
48 Month Share Certificate
$500
4.35%
▲ 1.46% above Virginia avg
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average2.89%▲ 1.46% above avgNationally 2.81%
Details
Minimum balance of $500 required; Penalties apply for early withdrawal
Rate History
1 change since Sep 25, 2026 · 3.82% → 4.35% ▲ 0.53 pts · high 4.35% / low 3.82%
- Oct 8, 20264.35%▲ from 3.82%
- Sep 25, 20263.82%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Business Share Certificates - 48 Months
$500
4.35%
▲ 1.46% above Virginia avg
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average2.89%▲ 1.46% above avgNationally 2.81%
Details
Rate History
No change since Oct 4, 2026 · 4.35% APY · checked 3 times
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
48 Month Share Certificate
$500
4.30%
▲ 1.41% above Virginia avg
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average2.89%▲ 1.41% above avgNationally 2.81%
Details
Rate Effective Date: October 15, 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%
48 Month Share Certificate
$1,000
4.25%
▲ 1.36% above Virginia avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average2.89%▲ 1.36% above avgNationally 2.81%
Details
Term Certificates (Minimum to Open $1,000.00)
Rate History
1 change since Sep 12, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 4, 20264.25%▲ from 4.00%
- Sep 12, 20264.00%first recorded
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
IRA Certificates - 4 Year Term
$500
4.25%
▲ 1.36% above Virginia avg
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.89%▲ 1.36% above avgNationally 2.81%
Details
Minimum opening balance $500; Dividend Rate 4.18%; Dividends compounded and credited quarterly; penalty may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 4.25% APY
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
Regular Certificates - 4 Year Term
$500
4.25%
▲ 1.36% above Virginia avg
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.89%▲ 1.36% above avgNationally 2.81%
Details
Minimum opening balance $500; Dividend Rate 4.18%; Dividends compounded and credited quarterly; penalty may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 4.25% APY
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
48 Month Regular CD
$500
4.20%
▲ 1.31% above Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.89%▲ 1.31% 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
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
48 Month Share Certificate
$500
4.13%
▲ 1.24% above Virginia avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.89%▲ 1.24% above avgNationally 2.81%
Details
Balance: $1M+
Rate History
No change since Sep 14, 2026 · 4.13% APY · checked 6 times
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
IRA Certificate - 48 Months
$500
4.13%
▲ 1.24% above Virginia avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.89%▲ 1.24% above avgNationally 2.81%
Details
Minimum $500 deposit required for IRA certificate accounts; Penalties may apply for early withdrawals from IRA certificate accounts
Rate History
No change since Sep 22, 2026 · 4.13% APY · checked 3 times
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificates - 48 Month
$0
4.07%
▲ 1.18% above Virginia avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average2.89%▲ 1.18% 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
2 changes since Sep 14, 2026 · 3.91% → 4.07% ▲ 0.16 pts · high 4.07% / low 3.91%
- Oct 15, 20264.07%▲ from 3.97%
- Oct 13, 20263.97%▲ from 3.91%
- Sep 14, 20263.91%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 48 Month
$0
4.07%
▲ 1.18% above Virginia avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average2.89%▲ 1.18% above avgNationally 2.81%
Details
IRA; Minimum daily balance to earn APY: $40,000; Early withdrawal penalty will or may be imposed
Rate History
2 changes since Sep 14, 2026 · 3.91% → 4.07% ▲ 0.16 pts · high 4.07% / low 3.91%
- 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
$0
4.05%
▲ 1.16% above Virginia avg
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.89%▲ 1.16% above avgNationally 2.81%
Details
$100k; Term: 3 to 4 Years (1,095 to 1,460 days); Jumbo ($100k minimum); 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
$1,000
4.05%
▲ 1.16% above Virginia avg
▼
Rate3.98%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.89%▲ 1.16% 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 2 times
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
4 Year Certificate
$1,000
4.00%
▲ 1.11% above Virginia avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average2.89%▲ 1.11% above avgNationally 2.81%
Details
Rate History
1 change since Sep 20, 2026 · 3.60% → 4.00% ▲ 0.40 pts · high 4.00% / low 3.60%
- Oct 4, 20264.00%▲ from 3.60%
- Sep 20, 20263.60%first recorded
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
3 - 4 Year Business Investment Certificate
$1,000
4.00%
▲ 1.11% above Virginia avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.89%▲ 1.11% 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 2 times
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
3 - 4 Year Investment Certificate
$1,000
4.00%
▲ 1.11% above Virginia avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average2.89%▲ 1.11% above avgNationally 2.81%
Details
Term: 3 to 4 Years (1,095 to 1,460 days); Early Withdrawal Penalty: 180 Days' Dividends
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.99%
Share and IRA Certificate - 48 Month
$500
3.98%
▲ 1.09% above Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average2.89%▲ 1.09% above avgNationally 2.81%
Details
Minimum Balance to Open and Earn APY: $500
Rate History
No change since Oct 13, 2026 · 3.98% APY · checked 2 times
Vantage Point Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.44%
48 Month Share & IRA Share Certificates
$0
3.92%
▲ 1.03% above Virginia avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average2.89%▲ 1.03% above avgNationally 2.81%
Details
Minimum balance to earn dividend: $1,000.00
Rate History
No change since Oct 13, 2026 · 3.92% APY · checked 2 times
First National Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
4 Year Certificate
$500
3.91%
▲ 1.02% above Virginia avg
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.89%▲ 1.02% above avgNationally 2.81%
Details
Certificates of Deposit; Minimum Balance to Maintain APY: $500.00
Rate History
1 change since Sep 8, 2026 · 2.27% → 3.91% ▲ 1.64 pts · high 3.91% / low 2.27%
- Oct 14, 20263.91%▲ from 2.27%
- Sep 8, 20262.27%first recorded
First National Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
Individual Retirement Accounts - 4 Year Fixed
$100
3.91%
▲ 1.02% above Virginia avg
▼
Rate3.85%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.89%▲ 1.02% above avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 3.91% APY
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Certificates - 48 Month
$0
3.91%
▲ 1.02% above Virginia avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average2.89%▲ 1.02% above avgNationally 2.81%
Details
Rate History
1 change since Oct 13, 2026 · 3.81% → 3.91% ▲ 0.10 pts · high 3.91% / low 3.81%
- Oct 15, 20263.91%▲ from 3.81%
- Oct 13, 20263.81%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
IRA Certificates - 48 Month
$0
3.91%
▲ 1.02% above Virginia avg
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average2.89%▲ 1.02% above avgNationally 2.81%
Details
Minimum daily balance to earn APY: $2,000; A penalty will or may be imposed for early withdrawal
Rate History
1 change since Oct 5, 2026 · 3.81% → 3.91% ▲ 0.10 pts · high 3.91% / low 3.81%
- Oct 15, 20263.91%▲ from 3.81%
- Oct 5, 20263.81%first recorded
Argent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
48 Month Certificates
$0
3.90%
▲ 1.01% above Virginia avg
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average2.89%▲ 1.01% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 8 times
Argent Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.48%
IRA Certificates - 48 month
$0
3.90%
▲ 1.01% above Virginia avg
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average2.89%▲ 1.01% above avgNationally 2.81%
Details
Rate History
No change since Oct 13, 2026 · 3.90% APY · checked 2 times
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
48 Month Share Certificate
$500
3.87%
▲ 0.98% above Virginia avg
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.89%▲ 0.98% above avgNationally 2.81%
Details
Balance: $250,000 - $999,999
Rate History
No change since Sep 14, 2026 · 3.87% APY · checked 6 times
Vienna 60 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%
820 Follin LN SE, Vienna, VA 22180
5 Year ESA Long-Term Certificate
$0
3.90%
▲ 0.89% above Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.01%▲ 0.89% above avgNationally 2.93%
Details
Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 4 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
820 Follin LN SE, Vienna, VA 22180
5 Year ESA Long-Term Certificate
$0
3.85%
▲ 0.84% above Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.01%▲ 0.84% above avgNationally 2.93%
Details
Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)
Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 4 times
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
8245 Boone Blvd, Vienna, VA 22182
Certificate of Deposit 60 Months
$1,000
3.75%
▲ 0.74% above Virginia avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.01%▲ 0.74% above avgNationally 2.93%
Details
Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 6 times
Freedom Bank of Virginia
Institution Rating:
C+4.2 ★Texas Ratio: 24.99%
502 Maple Ave W, Vienna, VA 22180
Single Deposit IRA - 60 Month Certificate
$500
3.75%
▲ 0.74% above Virginia avg
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.01%▲ 0.74% above avgNationally 2.93%
Details
Rate History
No change since Oct 14, 2026 · 3.75% APY
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
246 Maple Ave E, Vienna, VA 22180
360 CD - 60 Months
$0
3.60%
▲ 0.59% above Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.01%▲ 0.59% above avgNationally 2.93%
Details
Online CD; Annual Percentage Yield (APY) variable as of 10/14/2026; CD rates fixed upon opening the account; early withdrawal penalties apply
Rate History
1 change since Sep 18, 2026 · 4.30% → 3.60% ▼ 0.70 pts · high 4.30% / low 3.60%
- Oct 14, 20263.60%▼ from 4.30%
- Sep 18, 20264.30%first recorded
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.00%
246 Maple Ave E, Vienna, VA 22180
60 Month 360 CD
$0
3.60%
▲ 0.59% above Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.01%▲ 0.59% above avgNationally 2.93%
Details
5-year online CD; CD rate calculator table; Online CD
Rate History
1 change since Sep 18, 2026 · 4.30% → 3.60% ▼ 0.70 pts · high 4.30% / low 3.60%
- Oct 14, 20263.60%▼ from 4.30%
- Sep 18, 20264.30%first recorded
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
231 Maple Ave E, Vienna, VA 22180
IRA Certificate - 5 years
$0
3.50%
▲ 0.49% above Virginia avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average3.01%▲ 0.49% above avgNationally 2.93%
Details
Balance: $100,000 to $249,999
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
- Oct 8, 20263.50%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
231 Maple Ave E, Vienna, VA 22180
IRA Certificate - 5 years
$0
3.40%
▲ 0.39% above Virginia avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average3.01%▲ 0.39% above avgNationally 2.93%
Details
Balance: $1,000 to $99,999
Rate History
1 change since Sep 14, 2026 · 3.15% → 3.40% ▲ 0.25 pts · high 3.40% / low 3.15%
- Oct 8, 20263.40%▲ from 3.15%
- Sep 14, 20263.15%first recorded
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
231 Maple Ave E, Vienna, VA 22180
5 Year Regular Certificate
$1,000
3.25%
▲ 0.24% above Virginia avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average3.01%▲ 0.24% above avgNationally 2.93%
Details
Balance: $100,000 to $249,999
Rate History
No change since Oct 12, 2026 · 3.25% APY · checked 2 times
Northwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
231 Maple Ave E, Vienna, VA 22180
5 Year Regular Certificate
$1,000
3.15%
▲ 0.14% above Virginia avg
▼
Rate3.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average3.01%▲ 0.14% above avgNationally 2.93%
Details
Balance: $1,000 to $99,999
Rate History
No change since Oct 12, 2026 · 3.15% APY · checked 2 times
Presidential Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.48%
8150 Leesburg Pike, Vienna, VA 22182
5 Year CD
$1,000
2.50%
▼ 0.51% below Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.01%▼ 0.51% below avgNationally 2.93%
Details
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 7 times
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
2095 Chain Bridge Rd, Vienna, VA 22182
5 Year Standard CDs and IRAs
$0
2.50%
▼ 0.51% below Virginia avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.01%▼ 0.51% below avgNationally 2.93%
Details
Minimum opening deposit: CD - $1,000; IRA - $500; no minimum balance required after account opening to obtain disclosed APY
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 5 times
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
374 Maple Ave E, Vienna, VA 22180
5 Year Standard Rate CDs
$500
1.90%
▼ 1.11% below Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.01%▼ 1.11% below avgNationally 2.93%
Details
Rate History
No change since Sep 18, 2026 · 1.90% APY · checked 5 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2070 Chain Bridge Rd, Vienna, VA 22182
TD Choice CD 5 Year
$250
1.00%
▼ 2.01% below Virginia avg
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.01%▼ 2.01% below avgNationally 2.93%
Details
Non-Promotional; Balance: $250.00 - $9,999.99
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
8521 Leesburg Pike, Vienna, VA 22182
Jumbo CD - 5-Year Jumbo
$100,000
0.50%
▼ 2.51% below Virginia avg
▼
Rate0.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.01%▼ 2.51% below avgNationally 2.93%
Details
Jumbo CDs
Rate History
No change since Oct 14, 2026 · 0.50% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
8521 Leesburg Pike, Vienna, VA 22182
Term CD - 5-Year Term
$1,000
0.50%
▼ 2.51% below Virginia avg
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.01%▼ 2.51% below avgNationally 2.93%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 0.50% APY
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
440 Maple Ave E, Vienna, VA 22180
60 Month CD
$1,000
0.05%
▼ 2.96% below Virginia avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average3.01%▼ 2.96% below avgNationally 2.93%
Details
Standard rate; Truist offers any term from 7 days to 60 months at this rate, all balance tiers; rates accurate as of 5/12/2026
Rate History
No change since Oct 15, 2026 · 0.05% APY
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
353 Maple Ave E, Vienna, VA 22180
60 Month Certificate of Deposit
$0
0.03%
▼ 2.98% below Virginia avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.01%▼ 2.98% below avgNationally 2.93%
Details
Balance: $25,000.00 and above; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
353 Maple Ave E, Vienna, VA 22180
IRA CD - 60 Months
$250
0.03%
▼ 2.98% below Virginia avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.01%▼ 2.98% below avgNationally 2.93%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
353 Maple Ave E, Vienna, VA 22180
60 Month Certificate of Deposit
$0
0.02%
▼ 2.99% below Virginia avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.01%▼ 2.99% below avgNationally 2.93%
Details
Balance: $1,000.00 - $24,999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
353 Maple Ave E, Vienna, VA 22180
IRA CD - 60 Months
$250
0.02%
▼ 2.99% below Virginia avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.01%▼ 2.99% below avgNationally 2.93%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
353 Maple Ave E, Vienna, VA 22180
60 Month Certificate of Deposit
$0
0.01%
▼ 3.00% below Virginia avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.01%▼ 3.00% below avgNationally 2.93%
Details
Balance: $1.00 - $999.99; Standard Rates
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
353 Maple Ave E, Vienna, VA 22180
IRA CD - 60 Months
$250
0.01%
▼ 3.00% below Virginia avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.01%▼ 3.00% below avgNationally 2.93%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
60 Month Elite Jumbo CD
$250,000
4.75%
▲ 1.74% above Virginia avg
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.01%▲ 1.74% above avgNationally 2.93%
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%
60 Month Share Certificate
$0
4.55%
▲ 1.54% above Virginia avg
▼
Rate4.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.01%▲ 1.54% above avgNationally 2.93%
Details
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 Certificate
$500
4.50%
▲ 1.49% above Virginia avg
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average3.01%▲ 1.49% above avgNationally 2.93%
Details
Minimum balance of $500 required; Penalties apply for early withdrawal
Rate History
1 change since Sep 25, 2026 · 3.82% → 4.50% ▲ 0.68 pts · high 4.50% / low 3.82%
- Oct 8, 20264.50%▲ from 3.82%
- Sep 25, 20263.82%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Business Share Certificates - 60 Months
$500
4.50%
▲ 1.49% above Virginia avg
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average3.01%▲ 1.49% above avgNationally 2.93%
Details
Rate History
No change since Oct 4, 2026 · 4.50% APY · checked 3 times
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
5 Year IRA Traditional & Roth CD
$500
4.50%
▲ 1.49% above Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.01%▲ 1.49% above avgNationally 2.93%
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%
▲ 1.49% above Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.01%▲ 1.49% above avgNationally 2.93%
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
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
5 Year Certificate - Special Rate
$1,000
4.40%
▲ 1.39% above Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average3.01%▲ 1.39% above avgNationally 2.93%
Details
Special Rate (APY)
Rate History
No change since Oct 12, 2026 · 4.40% APY · checked 2 times
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
60 Month Share Certificate
$100,000
4.40%
▲ 1.39% above Virginia avg
▼
Rate4.31%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average3.01%▲ 1.39% above avgNationally 2.93%
Details
Rate History
1 change since Oct 5, 2026 · 3.80% → 4.40% ▲ 0.60 pts · high 4.40% / low 3.80%
- Oct 13, 20264.40%▲ from 3.80%
- Oct 5, 20263.80%first recorded
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
60 Month Share Certificate
$500
4.30%
▲ 1.29% above Virginia avg
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average3.01%▲ 1.29% above avgNationally 2.93%
Details
Rate Effective Date: October 15, 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%
▲ 1.24% above Virginia avg
▼
Rate4.18%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average3.01%▲ 1.24% above avgNationally 2.93%
Details
Minimum additional deposit: $25; Maximum limit (cap) on deposit for each IRA product is $250,000
Rate History
No change since Sep 25, 2026 · 4.25% APY · checked 3 times
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
60 Month IRA Certificates
$500
4.25%
▲ 1.24% above Virginia avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average3.01%▲ 1.24% above avgNationally 2.93%
Details
Early withdrawal penalties may apply. Fees may reduce the investment below the principal held at the beginning of the term.
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%
60 Month Share Certificate
$1,000
4.25%
▲ 1.24% above Virginia avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average3.01%▲ 1.24% above avgNationally 2.93%
Details
Term Certificates (Minimum to Open $1,000.00)
Rate History
1 change since Sep 12, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 4, 20264.25%▲ from 4.00%
- Sep 12, 20264.00%first recorded
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
IRA Certificates - 5 Year Term
$500
4.25%
▲ 1.24% above Virginia avg
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.01%▲ 1.24% above avgNationally 2.93%
Details
Minimum opening balance $500; Dividend Rate 4.18%; Dividends compounded and credited quarterly; penalty may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 4.25% APY
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
Regular Certificates - 5 Year Term
$500
4.25%
▲ 1.24% above Virginia avg
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.01%▲ 1.24% above avgNationally 2.93%
Details
Minimum opening balance $500; Dividend Rate 4.18%; Dividends compounded and credited quarterly; penalty may be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 4.25% APY
First Sentinel Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.93%
60-Month CD/IRA
$500
4.22%
▲ 1.21% above Virginia avg
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.01%▲ 1.21% above avgNationally 2.93%
Details
Rates as of 09/23/2026; Penalty for early withdrawal
Rate History
No change since Sep 30, 2026 · 4.22% APY · checked 5 times
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
60 Month Share Certificate
$500
4.13%
▲ 1.12% above Virginia avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.01%▲ 1.12% above avgNationally 2.93%
Details
Balance: $1M+
Rate History
No change since Sep 14, 2026 · 4.13% APY · checked 6 times
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
IRA Certificate - 60 Months
$500
4.13%
▲ 1.12% above Virginia avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.01%▲ 1.12% above avgNationally 2.93%
Details
Minimum $500 deposit required for IRA certificate accounts; Penalties may apply for early withdrawals from IRA certificate accounts
Rate History
No change since Sep 22, 2026 · 4.13% APY · checked 3 times
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.20%
60 Month Fixed Rate Certificate
$0
4.11%
▲ 1.10% above Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.01%▲ 1.10% above avgNationally 2.93%
Details
Rate History
No change since Sep 24, 2026 · 4.11% APY · checked 2 times
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificates - 60 Month
$0
4.07%
▲ 1.06% above Virginia avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average3.01%▲ 1.06% above avgNationally 2.93%
Details
Minimum daily balance to earn APY: $40,000; A penalty will or may be imposed for early withdrawal
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.07% ▲ 0.07 pts · high 4.07% / low 4.00%
- Oct 15, 20264.07%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus IRA Certificates - 60 Month
$0
4.07%
▲ 1.06% above Virginia avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
Virginia Average3.01%▲ 1.06% above avgNationally 2.93%
Details
IRA; Minimum daily balance to earn APY: $40,000; Early withdrawal penalty will or may be imposed
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.07% ▲ 0.07 pts · high 4.07% / low 4.00%
- Oct 15, 20264.07%▲ from 4.00%
- Sep 14, 20264.00%first recorded
First National Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
5 Year Certificate
$500
4.06%
▲ 1.05% above Virginia avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.01%▲ 1.05% above avgNationally 2.93%
Details
Certificates of Deposit; Minimum Balance to Maintain APY: $500.00
Rate History
1 change since Sep 8, 2026 · 2.27% → 4.06% ▲ 1.79 pts · high 4.06% / low 2.27%
- Oct 14, 20264.06%▲ from 2.27%
- Sep 8, 20262.27%first recorded
First National Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
Individual Retirement Accounts - 5 Year Fixed
$100
4.06%
▲ 1.05% above Virginia avg
▼
Rate4.00%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.01%▲ 1.05% above avgNationally 2.93%
Details
Rate History
No change since Oct 14, 2026 · 4.06% APY
First National Bank VA
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
Individual Retirement Accounts - Roth 5 Year Fixed
$100
4.06%
▲ 1.05% above Virginia avg
▼
Rate4.00%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.01%▲ 1.05% above avgNationally 2.93%
Details
Rate History
No change since Oct 14, 2026 · 4.06% APY
Loudoun Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
IRA Certificate - 60-Month Roth
$1,000
4.06%
▲ 1.05% above Virginia avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.01%▲ 1.05% above avgNationally 2.93%
Details
Rate History
No change since Oct 13, 2026 · 4.06% APY · checked 2 times
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
4 - 5 Year Business Investment Certificate - Jumbo
$0
4.05%
▲ 1.04% above Virginia avg
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.01%▲ 1.04% above avgNationally 2.93%
Details
$100k; Term: 4 to 5 Years (1,461 to 1,825 days); Jumbo ($100k minimum); 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%
4 - 5 Year Investment Certificate - Jumbo
$1,000
4.05%
▲ 1.04% above Virginia avg
▼
Rate3.98%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.01%▲ 1.04% above avgNationally 2.93%
Details
$100k; Term: 4 to 5 Years (1,461 to 1,825 days); Jumbo ($100k minimum); Early Withdrawal Penalty: 180 Days' Dividends
Rate History
No change since Oct 14, 2026 · 4.05% APY · checked 2 times
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
5 Year Business Investment Certificate - Jumbo
$0
4.05%
▲ 1.04% above Virginia avg
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
Virginia Average3.01%▲ 1.04% above avgNationally 2.93%
Details
$100k; Term: 5 Years (1,826 to 2,190 days); Jumbo ($100k minimum); Early Withdrawal Penalty: 240 Days' Dividends
Rate History
No change since Oct 14, 2026 · 4.05% 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.
Vienna, VA CD Rate Trends
Compare local Vienna, 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
3.042%
▼ 0.024 vs 7 days ago
Virginia 12-month CD rates fell 0.024 points over the past 7 days to 3.042% APY.
6-Month CD VA Avg
2.616%
▼ 0.070 vs 7 days ago
Virginia 6-month CD rates fell 0.070 points over the past 7 days to 2.616% APY.
As of Oct 19, 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
3.042%
6-Month Forecast
3.042%
Range: 2.84%, 3.19%
12-Month Forecast
3.292%
Range: 3.09%, 3.44%
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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 | 1.621% | $81.04 | $162.08 | $405.20 | $810.40 |
| 6-Month CD | 2.616% | $130.80 | $261.59 | $653.97 | $1,307.95 |
| 12-Month CD | 3.042% | $152.11 | $304.23 | $760.57 | $1,521.15 |
| 18-Month CD | 3.087% | $154.33 | $308.66 | $771.65 | $1,543.30 |
| 24-Month CD | 2.939% | $146.95 | $293.91 | $734.78 | $1,469.55 |
| 36-Month CD | 2.930% | $146.48 | $292.95 | $732.38 | $1,464.75 |
| 48-Month CD | 2.889% | $144.44 | $288.88 | $722.20 | $1,444.40 |
| 60-Month CD | 3.015% | $150.75 | $301.49 | $753.73 | $1,507.45 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 19, 2026. | |||||
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Sample CD Ladder for Vienna, 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 | 1.621% | $81.04 |
| 2 | 6-Month CD | $5,000 | 2.616% | $130.80 |
| 3 | 12-Month CD | $5,000 | 3.042% | $152.11 |
| 4 | 24-Month CD | $5,000 | 2.939% | $146.95 |
| 5 | 36-Month CD | $5,000 | 2.930% | $146.48 |
| Total ($25,000 invested) | $25,000 | 2.630% blended | $657.38/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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1,463
CD Rates
Tracked in Vienna, Virginia
Tracked in Vienna, Virginia
32 Banks
61 Credit Unions
About Our Vienna, Virginia CD Rate Database
MonitorBankRates tracks 1,463 CD rates from 32 banks and 61 credit unions with locations in Vienna, 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: EagleBank offers a CD at 4.45% APY with a minimum deposit of $1,000. Use the rate table above to compare all current offers in Vienna, Virginia.
How to Find the Best CD Rates in Vienna, Virginia
What to compare when shopping for a CD in Vienna, Virginia
To find the best APYs in Vienna, Virginia, start with credit unions and online-only banks: Vienna, Virginia has 61 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 Vienna, 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 Vienna, Virginia: 93 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Vienna, 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 Vienna, Virginia money market rates
Vienna, Virginia Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
15.1%
National avg: 17.3%
Median Individual Earnings
$102,095
National avg: $47,340
Poverty Rate
5.0%
National avg: 11.1%
Unemployment Rate
4.3%
National avg: 4.8%
CD Earnings on 10% of Salary
$311/yr
At VA 12-mo avg 3.042% APY
15.1% of residents are 65 or older, below the national average of 17.3%. At today’s VA 12-month CD average of 3.042%, saving 10% of the local median salary ($10,209/year) and putting it in a CD would earn an additional $311 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 Vienna, 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 Vienna, 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 Vienna, 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 Vienna, Virginia as everywhere in the U.S.
Choosing a CD Term in Vienna, 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 Vienna, Virginia savers easier access to their funds. For example, SFGI Direct is offering its 6-Month CD at 4.20% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Navy Federal Credit Union is offering its 5 Year ESA Long-Term Certificate at 3.90% 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 Vienna, 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 Vienna, 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 Vienna, 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 Vienna, 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 Vienna, Virginia
Most CDs carry a fixed rate that is locked for the entire term, protecting a Vienna, 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 Vienna, Virginia
Are CD rates in Vienna, Virginia FDIC insured?
Yes, most established banks in Vienna, 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 Vienna, 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 Vienna, 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 Vienna, 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 Vienna, Virginia?
Here are recent top rates found for this area:
- EagleBank: 4.45% APY (12 Month CD)
- SFGI Direct: 4.40% APY (18-Month CD)
- Navy Federal Credit Union: 4.35% APY (12 Month Special EasyStart Certificate)
- Capital One Bank: 4.00% APY (12 Month 360 CD)
- Northwest Federal Credit Union: 4.00% APY (IRA Certificate - 1 year)
- CIT Bank: 4.00% APY (Term CD - 1-Year Term)
- M&T Bank: 3.85% APY (18 Month Select Certificate of Deposit)
- Presidential Bank: 3.75% APY (1 Year CD)
- Freedom Bank of Virginia: 3.75% APY (Single Deposit IRA - 60 Month Certificate)
- Truist: 3.25% APY (12 Month CD Special)
Rates reflect recent verified offers available in Vienna, Virginia. Last Updated: October 19, 2026
Vienna, 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 Vienna, 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 Vienna, Virginia
Vienna, Virginia CD Calculator
At today’s VA top rate of 4.45% APY, a $10,000 deposit earns $445 in the first year. Enter your amount to see your exact return.
Vienna, Virginia CD LadderVA CD rates currently range from 1.621% (3-month) to 2.930% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Vienna, Virginia CD at 4.45% 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 3.042% 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 Vienna, 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 Vienna, 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 Vienna, 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 19, 2026
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