Virginia Beach, Virginia Best CD Rates October 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Virginia Beach, Virginia CD rates range from 0.01% to 6.00% APY, verified by MonitorBankRates as of October 14, 2026. Current Virginia Beach, Virginia CD rates include Beach Municipal Federal Credit UnionBeach Municipal Federal Credit Union4164 Virginia Beach Blvd, Virginia Beach, VA 23452A+5.0 ★Texas Ratio: 2.63%Real return: +2.20%APY minus CPI (February 2026) offering 60 Month Youth Share Certificate at 5.00% APY, Navy Federal Credit UnionNavy Federal Credit Union5269 Providence Rd, Virginia Beach, VA 23464A5.0 ★Texas Ratio: 8.14%Real return: +1.55%APY minus CPI (February 2026) offering 12 Month Special EasyStart Certificate at 4.35% APY, Chartway Credit UnionChartway Credit Union5700 Cleveland St, Virginia Beach, VA 23462 1752A5.0 ★Texas Ratio: 10.30%Real return: +1.50%APY minus CPI (February 2026) offering 6-Month Promo Certificate at 4.30% APY, Langley Federal Credit UnionLangley Federal Credit Union930 First Colonial Rd, Virginia Beach, VA 23454 3180A5.0 ★Texas Ratio: 10.20%Real return: +1.31%APY minus CPI (February 2026) offering 60 Month Fixed Rate Certificate at 4.11% APY, and Blue Ridge Bank National AssociationBlue Ridge Bank National Association300 32nd St, Virginia Beach, VA 23451A5.0 ★Texas Ratio: 8.11%Real return: +1.25%APY minus CPI (February 2026) offering 12 Month Golden Advantage Certificate of Deposits and Specials at 4.05% APY. CD rates as of October 14, 2026 according to verified data from MonitorBankRates.
Virginia Beach has 264 local institutions in our database, with CD rates as high as 5.00% APY from Beach Municipal Federal Credit Union at 4164 Virginia Beach Blvd, Virginia Beach, VA 23452. 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 14, 2026
Compare Best CD Rates in Virginia Beach, Virginia & the Surrounding Area
Virginia Beach 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
5472 Indian River Rd, Virginia Beach, VA 23464
3 Month Standard CDs and IRAs
$0
3.00%
▲ 1.35% above Virginia avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average1.65%▲ 1.35% above avgNationally 2.09%
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
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2021 Lynnhaven Pkwy, Virginia Beach, VA 23456
Certificate of Deposit 3 Month
$500
2.00%
▲ 0.35% above Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average1.65%▲ 0.35% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 8 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5269 Providence Rd, Virginia Beach, VA 23464
Short-Term Certificate (Share, IRA, ESA) - 3 Months
$0
1.55%
▼ 0.10% below Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average1.65%▼ 0.10% below avgNationally 2.09%
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%
5269 Providence Rd, Virginia Beach, VA 23464
Short-Term Certificate (Share, IRA, ESA) - 3 Months
$0
1.50%
▼ 0.15% below Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average1.65%▼ 0.15% below avgNationally 2.09%
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
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
4429 Bonney Rd, Virginia Beach, VA 23462
3 Month Certificates of Deposit
$0
0.70%
▼ 0.95% below Virginia avg
▼
Rate0.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average1.65%▼ 0.95% below avgNationally 2.09%
Details
Rate History
No change since Sep 18, 2026 · 0.70% APY · checked 7 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1345 Perimeter Pkwy, Virginia Beach, VA 23454 5882
3 Month Standard CDs - Rewards
$0
0.60%
▼ 1.05% below Virginia avg
▼
Rate0.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average1.65%▼ 1.05% below avgNationally 2.09%
Details
Rewards APY
Rate History
No change since Oct 14, 2026 · 0.60% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1345 Perimeter Pkwy, Virginia Beach, VA 23454 5882
3 Month Standard CDs - Regular
$0
0.50%
▼ 1.15% below Virginia avg
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average1.65%▼ 1.15% below avgNationally 2.09%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 0.50% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1345 Perimeter Pkwy, Virginia Beach, VA 23454 5882
Standard CD - 3-month term
$0
0.50%
▼ 1.15% below Virginia avg
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average1.65%▼ 1.15% below avgNationally 2.09%
Details
Regular APY
Rate History
1 change since Sep 14, 2026 · 0.60% → 0.50% ▼ 0.10 pts · high 0.60% / low 0.50%
- Oct 14, 20260.50%▼ from 0.60%
- Sep 14, 20260.60%first recorded
Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
998 Independence Blvd, Virginia Beach, VA 23455
3 Month Traditional Term CD
$0
0.10%
▼ 1.55% below Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average1.65%▼ 1.55% below avgNationally 2.09%
Details
Available to customers with a primary residence in Dollar Bank's Pennsylvania market
Rate History
No change since Sep 24, 2026 · 0.10% APY · checked 5 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
6563 College Park Sq, Virginia Beach, VA 23464
3 month Standard Fixed Rate CD - Relationship
$2,500
0.06%
▼ 1.59% below Virginia avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average1.65%▼ 1.59% below avgNationally 2.09%
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%
6563 College Park Sq, Virginia Beach, VA 23464
3 month Standard Fixed Rate CD
$2,500
0.05%
▼ 1.60% below Virginia avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average1.65%▼ 1.60% below avgNationally 2.09%
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
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4860 Virginia Beach Blvd, Virginia Beach, VA 23462
3 Month Certificate of Deposit
$0
0.03%
▼ 1.62% below Virginia avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average1.65%▼ 1.62% below avgNationally 2.09%
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%
4860 Virginia Beach Blvd, Virginia Beach, VA 23462
3 Month Certificate of Deposit
$0
0.02%
▼ 1.63% below Virginia avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average1.65%▼ 1.63% below avgNationally 2.09%
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%
4860 Virginia Beach Blvd, Virginia Beach, VA 23462
3 Month Certificate of Deposit
$0
0.01%
▼ 1.64% below Virginia avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average1.65%▼ 1.64% below avgNationally 2.09%
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%
Share Certificate - 3 Month
$1,000
4.00%
▲ 2.35% above Virginia avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average1.65%▲ 2.35% above avgNationally 2.09%
Details
Minimum to open $1,000.00
Rate History
No change since Oct 12, 2026 · 4.00% APY
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
3 Month Certificate
$1,000
4.00%
▲ 2.35% above Virginia avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average1.65%▲ 2.35% above avgNationally 2.09%
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%
▲ 2.30% above Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average1.65%▲ 2.30% above avgNationally 2.09%
Details
Minimum Balance to Open and Earn APY; Share/IRA/Roth/ESA
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 3 times
Woori America Bank
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
3 Month WooriWON Certificate of Deposit (CD)
$1,000
3.70%
▲ 2.05% above Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average1.65%▲ 2.05% above avgNationally 2.09%
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
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Certificate of Deposit 3 Months
$1,000
3.65%
▲ 2.00% above Virginia avg
▼
Rate3.58%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average1.65%▲ 2.00% above avgNationally 2.09%
Details
Rate History
No change since Sep 24, 2026 · 3.65% APY · checked 6 times
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
3 Month Share Certificate
$500
3.50%
▲ 1.85% above Virginia avg
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average1.65%▲ 1.85% above avgNationally 2.09%
Details
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%
▲ 1.39% above Virginia avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average1.65%▲ 1.39% above avgNationally 2.09%
Details
Rate History
No change since Oct 4, 2026 · 3.04% APY · checked 3 times
Calvin B. Taylor Banking Company
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
Certificate of Deposit - 3 Months
$1,000
3.00%
▲ 1.35% above Virginia avg
▼
Rate2.97%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average1.65%▲ 1.35% above avgNationally 2.09%
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%
▲ 1.25% above Virginia avg
▼
Rate2.85%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average1.65%▲ 1.25% above avgNationally 2.09%
Details
Rate History
No change since Oct 8, 2026 · 2.90% APY · checked 2 times
Topside Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
3-Month Certificate
$0
2.85%
▲ 1.20% above Virginia avg
▼
Rate2.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average1.65%▲ 1.20% above avgNationally 2.09%
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%
▲ 1.13% above Virginia avg
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average1.65%▲ 1.13% above avgNationally 2.09%
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%
▲ 0.85% above Virginia avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average1.65%▲ 0.85% above avgNationally 2.09%
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%
▲ 0.85% above Virginia avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average1.65%▲ 0.85% above avgNationally 2.09%
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%
▲ 0.80% above Virginia avg
▼
Rate2.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average1.65%▲ 0.80% above avgNationally 2.09%
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%
▲ 0.80% above Virginia avg
▼
Rate2.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average1.65%▲ 0.80% above avgNationally 2.09%
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%
▲ 0.75% above Virginia avg
▼
Rate2.37%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average1.65%▲ 0.75% above avgNationally 2.09%
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%
▲ 0.75% above Virginia avg
▼
Rate2.37%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average1.65%▲ 0.75% above avgNationally 2.09%
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%
▲ 0.69% above Virginia avg
▼
Rate2.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average1.65%▲ 0.69% above avgNationally 2.09%
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%
▲ 0.69% above Virginia avg
▼
Rate2.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average1.65%▲ 0.69% above avgNationally 2.09%
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%
▲ 0.62% above Virginia avg
▼
Rate2.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average1.65%▲ 0.62% above avgNationally 2.09%
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%
▲ 0.60% above Virginia avg
▼
Rate2.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average1.65%▲ 0.60% above avgNationally 2.09%
Details
Compounding: N/A
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 4 times
University of Virginia Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
3 Month Certificates
$500
2.25%
▲ 0.60% above Virginia avg
▼
Rate2.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average1.65%▲ 0.60% above avgNationally 2.09%
Details
Compounding: N/A; Effective 5/02/2026
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 Certificates
$500
2.25%
▲ 0.60% above Virginia avg
▼
Rate2.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average1.65%▲ 0.60% above avgNationally 2.09%
Details
Compounding: Monthly; Traditional, Roth, SEP IRA, and Coverdell ESA Certificate Accounts; Penalty for early withdrawal applies
Rate History
No change since Oct 13, 2026 · 2.25% APY
Pen Air Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
Certificate Account - 3 month
$0
2.10%
▲ 0.45% above Virginia avg
▼
Rate2.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average1.65%▲ 0.45% above avgNationally 2.09%
Details
Rate History
No change since Sep 14, 2026 · 2.10% APY · checked 7 times
Freedom Bank of Virginia
Institution Rating:
C+4.2 ★Texas Ratio: 24.99%
3 Month Certificate
$500
1.65%
At Virginia avg
▼
Rate1.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average1.65%At the averageNationally 2.09%
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%
Single Deposit IRA - 3 Month Certificate
$500
1.65%
At Virginia avg
▼
Rate1.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average1.65%At the averageNationally 2.09%
Details
Rate History
No change since Oct 14, 2026 · 1.65% APY
Chain Bridge Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Certificates Of Deposit
$500
1.50%
▼ 0.15% below Virginia avg
▼
Rate1.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average1.65%▼ 0.15% below avgNationally 2.09%
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%
▼ 0.29% below Virginia avg
▼
Rate1.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average1.65%▼ 0.29% below avgNationally 2.09%
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%
▼ 0.39% below Virginia avg
▼
Rate1.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average1.65%▼ 0.39% below avgNationally 2.09%
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%
▼ 0.39% below Virginia avg
▼
Rate1.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average1.65%▼ 0.39% below avgNationally 2.09%
Details
Rate History
No change since Sep 22, 2026 · 1.26% APY · checked 5 times
Virginia Beach 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Chartway Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
5700 Cleveland St, Virginia Beach, VA 23462 1752
6-Month Promo Certificate
$500
4.30%
▲ 1.63% above Virginia avg
▼
Rate4.23%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.67%▲ 1.63% above avgNationally 2.77%
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
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
5288 Providence Rd, Virginia Beach, VA 23464 4204
IRA Certificate - 6 Months (Reg/Roth/Educ)
$100,000
3.70%
▲ 1.03% above Virginia avg
▼
Rate3.64%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.67%▲ 1.03% above avgNationally 2.77%
Details
Rate History
1 change since Sep 18, 2026 · 3.25% → 3.70% ▲ 0.45 pts · high 3.70% / low 3.25%
- Sep 25, 20263.70%▲ from 3.25%
- Sep 18, 20263.25%first recorded
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
5288 Providence Rd, Virginia Beach, VA 23464 4204
Certificate - 6 Months
$100,000
3.65%
▲ 0.98% above Virginia avg
▼
Rate3.59%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.67%▲ 0.98% above avgNationally 2.77%
Details
Rate History
1 change since Sep 14, 2026 · 3.20% → 3.65% ▲ 0.45 pts · high 3.65% / low 3.20%
- Sep 25, 20263.65%▲ from 3.20%
- Sep 14, 20263.20%first recorded
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
5288 Providence Rd, Virginia Beach, VA 23464 4204
IRA Certificate - 6 Months (Reg/Roth/Educ)
$1,000
3.65%
▲ 0.98% above Virginia avg
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.67%▲ 0.98% above avgNationally 2.77%
Details
Rate History
1 change since Sep 18, 2026 · 3.20% → 3.65% ▲ 0.45 pts · high 3.65% / low 3.20%
- Sep 25, 20263.65%▲ from 3.20%
- Sep 18, 20263.20%first recorded
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
5288 Providence Rd, Virginia Beach, VA 23464 4204
Certificate - 6 Months
$1,000
3.60%
▲ 0.93% above Virginia avg
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.67%▲ 0.93% above avgNationally 2.77%
Details
Rate History
1 change since Sep 14, 2026 · 3.15% → 3.60% ▲ 0.45 pts · high 3.60% / low 3.15%
- Sep 25, 20263.60%▲ from 3.15%
- Sep 14, 20263.15%first recorded
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
5472 Indian River Rd, Virginia Beach, VA 23464
6 Month Standard CDs and IRAs
$0
3.00%
▲ 0.33% above Virginia avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.67%▲ 0.33% above avgNationally 2.77%
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
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2021 Lynnhaven Pkwy, Virginia Beach, VA 23456
Certificate of Deposit 6 Month
$500
2.25%
▼ 0.42% below Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.67%▼ 0.42% below avgNationally 2.77%
Details
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 8 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2021 Lynnhaven Pkwy, Virginia Beach, VA 23456
IRA 6 Month
$500
2.25%
▼ 0.42% below Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.67%▼ 0.42% below avgNationally 2.77%
Details
Rate History
No change since Oct 14, 2026 · 2.25% APY
Blue Ridge Bank National Association
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
300 32nd St, Virginia Beach, VA 23451
6 Month Business Certificates of Deposit
$0
1.60%
▼ 1.07% below Virginia avg
▼
Rate1.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.67%▼ 1.07% below avgNationally 2.77%
Details
Minimum balance to open and to obtain APY is $1,000.00; Early withdrawal fee may apply
Rate History
No change since Oct 14, 2026 · 1.60% APY
Beach Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
4164 Virginia Beach Blvd, Virginia Beach, VA 23452
6 Month Share Certificate
$0
1.55%
▼ 1.12% below Virginia avg
▼
Rate1.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.67%▼ 1.12% below avgNationally 2.77%
Details
Balance: $10,000.00 minimum; Effective Date: January 27, 2026
Rate History
No change since Sep 21, 2026 · 1.55% APY · checked 4 times
BayPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
4388 Holland Rd, Virginia Beach, VA 23452
Share Certificate 6-month - Premier / Select Relationship
$0
1.55%
▼ 1.12% below Virginia avg
▼
Rate1.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.67%▼ 1.12% below avgNationally 2.77%
Details
Relationship: Premier / Select Relationship
Rate History
No change since Oct 14, 2026 · 1.55% APY
BayPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
4388 Holland Rd, Virginia Beach, VA 23452
Share Certificate 6-month - Preferred Relationship
$0
1.50%
▼ 1.17% below Virginia avg
▼
Rate1.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.67%▼ 1.17% below avgNationally 2.77%
Details
Relationship: Preferred Relationship
Rate History
No change since Oct 14, 2026 · 1.50% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1345 Perimeter Pkwy, Virginia Beach, VA 23454 5882
6 Month Standard CDs - Rewards
$0
1.35%
▼ 1.32% below Virginia avg
▼
Rate1.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.67%▼ 1.32% below avgNationally 2.77%
Details
Rewards APY
Rate History
No change since Oct 14, 2026 · 1.35% APY
Beach Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
4164 Virginia Beach Blvd, Virginia Beach, VA 23452
6 Month Share Certificate
$0
1.32%
▼ 1.35% below Virginia avg
▼
Rate1.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.67%▼ 1.35% below avgNationally 2.77%
Details
Balance: $1,000.00 minimum; Effective Date: January 27, 2026
Rate History
No change since Sep 21, 2026 · 1.32% APY · checked 4 times
BayPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
4388 Holland Rd, Virginia Beach, VA 23452
Share Certificate 6-month - Regular
$0
1.25%
▼ 1.42% below Virginia avg
▼
Rate1.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.67%▼ 1.42% below avgNationally 2.77%
Details
Relationship: Regular
Rate History
No change since Oct 14, 2026 · 1.25% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1345 Perimeter Pkwy, Virginia Beach, VA 23454 5882
6 Month Standard CDs - Regular
$0
1.25%
▼ 1.42% below Virginia avg
▼
Rate1.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.67%▼ 1.42% below avgNationally 2.77%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 1.25% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1345 Perimeter Pkwy, Virginia Beach, VA 23454 5882
Standard CD - 6-month term
$0
1.25%
▼ 1.42% below Virginia avg
▼
Rate1.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.67%▼ 1.42% below avgNationally 2.77%
Details
Regular APY
Rate History
1 change since Sep 14, 2026 · 1.35% → 1.25% ▼ 0.10 pts · high 1.35% / low 1.25%
- Oct 14, 20261.25%▼ from 1.35%
- Sep 14, 20261.35%first recorded
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
5386 Kempsriver Dr Ste 104, Virginia Beach, VA 23464
Business Share Certificate - 6 Month
$500
1.20%
▼ 1.47% below Virginia avg
▼
Rate1.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.67%▼ 1.47% below avgNationally 2.77%
Details
Dividend rate 1.195%; $500 minimum balance to open; dividends compounded quarterly; penalty for withdrawals before maturity
Rate History
No change since Sep 12, 2026 · 1.20% APY · checked 2 times
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
5386 Kempsriver Dr Ste 104, Virginia Beach, VA 23464
Share & IRA Certificate Accounts - 6 Month
$500
1.20%
▼ 1.47% below Virginia avg
▼
Rate1.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.67%▼ 1.47% below avgNationally 2.77%
Details
Special certificate; 6-month term not available for IRA Certificates; Member has option to bump up rate one time during term
Rate History
No change since Oct 4, 2026 · 1.20% APY · checked 3 times
Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
998 Independence Blvd, Virginia Beach, VA 23455
6 Month Relationship CD
$0
1.10%
▼ 1.57% below Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.67%▼ 1.57% below avgNationally 2.77%
Details
Available to customers with a primary residence in Dollar Bank's Pennsylvania market; Schedule an Appointment
Rate History
No change since Sep 24, 2026 · 1.10% APY · checked 5 times
Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
998 Independence Blvd, Virginia Beach, VA 23455
6 Month Business Investment Certificate
$0
1.00%
▼ 1.67% below Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.67%▼ 1.67% below avgNationally 2.77%
Details
Balance: $250.00 - $99,999,999.99
Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 5 times
Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
998 Independence Blvd, Virginia Beach, VA 23455
6 Month CD Ladder
$0
1.00%
▼ 1.67% below Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.67%▼ 1.67% below avgNationally 2.77%
Details
Available to customers with a primary residence in Dollar Bank's Pennsylvania market; Schedule an Appointment
Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 5 times
Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
998 Independence Blvd, Virginia Beach, VA 23455
6 Month Relationship CD
$0
1.00%
▼ 1.67% below Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.67%▼ 1.67% below avgNationally 2.77%
Details
Available to customers with a primary residence in Dollar Bank's Pennsylvania market; Schedule an Appointment
Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 5 times
Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
998 Independence Blvd, Virginia Beach, VA 23455
6 Month Traditional Term CD
$0
1.00%
▼ 1.67% below Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.67%▼ 1.67% below avgNationally 2.77%
Details
Available to customers with a primary residence in Dollar Bank's Pennsylvania market
Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 5 times
Beach Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
4164 Virginia Beach Blvd, Virginia Beach, VA 23452
6 Month Share Certificate
$0
0.83%
▼ 1.84% below Virginia avg
▼
Rate0.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.67%▼ 1.84% below avgNationally 2.77%
Details
Balance: $500.00 minimum; Effective Date: January 27, 2026
Rate History
No change since Sep 21, 2026 · 0.83% APY · checked 4 times
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
4429 Bonney Rd, Virginia Beach, VA 23462
6 Month Certificates of Deposit
$0
0.70%
▼ 1.97% below Virginia avg
▼
Rate0.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.67%▼ 1.97% below avgNationally 2.77%
Details
Rate History
No change since Sep 18, 2026 · 0.70% APY · checked 7 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
6563 College Park Sq, Virginia Beach, VA 23464
6 month Standard Fixed Rate CD - Relationship
$2,500
0.06%
▼ 2.61% below Virginia avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.67%▼ 2.61% below avgNationally 2.77%
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%
6563 College Park Sq, Virginia Beach, VA 23464
6 month Standard Fixed Rate CD
$2,500
0.05%
▼ 2.62% below Virginia avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.67%▼ 2.62% below avgNationally 2.77%
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
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4860 Virginia Beach Blvd, Virginia Beach, VA 23462
6 Month Certificate of Deposit
$0
0.03%
▼ 2.64% below Virginia avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.67%▼ 2.64% below avgNationally 2.77%
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%
4860 Virginia Beach Blvd, Virginia Beach, VA 23462
IRA CD - 6 Months
$250
0.03%
▼ 2.64% below Virginia avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.67%▼ 2.64% below avgNationally 2.77%
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%
4860 Virginia Beach Blvd, Virginia Beach, VA 23462
6 Month Certificate of Deposit
$0
0.02%
▼ 2.65% below Virginia avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.67%▼ 2.65% below avgNationally 2.77%
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%
4860 Virginia Beach Blvd, Virginia Beach, VA 23462
IRA CD - 6 Months
$250
0.02%
▼ 2.65% below Virginia avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.67%▼ 2.65% below avgNationally 2.77%
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%
4860 Virginia Beach Blvd, Virginia Beach, VA 23462
6 Month Certificate of Deposit
$0
0.01%
▼ 2.66% below Virginia avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.67%▼ 2.66% below avgNationally 2.77%
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%
4860 Virginia Beach Blvd, Virginia Beach, VA 23462
IRA CD - 6 Months
$250
0.01%
▼ 2.66% below Virginia avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.67%▼ 2.66% below avgNationally 2.77%
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%
Promotional Certificates - Limited Time Special - 6 Months
$2,500
4.35%
▲ 1.68% above Virginia avg
▼
Rate4.27%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.67%▲ 1.68% above avgNationally 2.77%
Details
Minimum to Open: $2,500; Balance to Earn APY: $2,500; Promotional certificate rate valid on new money only; early withdrawal penalty is 90 days of dividend whether earned or not
Rate History
No change since Oct 13, 2026 · 4.35% APY
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
6 Month Share Certificate
$0
4.30%
▲ 1.63% above Virginia avg
▼
Rate4.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.67%▲ 1.63% above avgNationally 2.77%
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%
▲ 1.58% above Virginia avg
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.67%▲ 1.58% above avgNationally 2.77%
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
SFGI Direct
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
6-Month CD
$1,000
4.20%
▲ 1.53% above Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.67%▲ 1.53% above avgNationally 2.77%
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%
6 Month CD
$1,000
4.20%
▲ 1.53% above Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.67%▲ 1.53% above avgNationally 2.77%
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%
Certificate of Deposit 6 Months
$1,000
4.20%
▲ 1.53% above Virginia avg
▼
Rate4.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.67%▲ 1.53% above avgNationally 2.77%
Details
Rate History
No change since Sep 18, 2026 · 4.20% APY · checked 7 times
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
6 Month Share Certificate
$500
4.13%
▲ 1.46% above Virginia avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.67%▲ 1.46% above avgNationally 2.77%
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%
▲ 1.46% above Virginia avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.67%▲ 1.46% above avgNationally 2.77%
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%
▲ 1.43% above Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.67%▲ 1.43% above avgNationally 2.77%
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 Share Certificate
$0
4.10%
▲ 1.43% above Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.67%▲ 1.43% above avgNationally 2.77%
Details
Share and IRA Certificate Rates (Share/IRA/Roth/ESA)
Rate History
No change since Oct 5, 2026 · 4.10% APY · checked 2 times
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.99%
Business 6-Month Certificate
$0
4.10%
▲ 1.43% above Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.67%▲ 1.43% above avgNationally 2.77%
Details
Featured rate
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 8 times
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.99%
Share and IRA Certificate - 6 Month
$500
4.10%
▲ 1.43% above Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.67%▲ 1.43% above avgNationally 2.77%
Details
Minimum Balance to Open and Earn APY; Share/IRA/Roth/ESA
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 3 times
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
6 Month Jumbo CD
$50,000
4.10%
▲ 1.43% above Virginia avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.67%▲ 1.43% above avgNationally 2.77%
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%
▲ 1.39% above Virginia avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.67%▲ 1.39% above avgNationally 2.77%
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%
▲ 1.33% above Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.67%▲ 1.33% above avgNationally 2.77%
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%
▲ 1.33% above Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.67%▲ 1.33% above avgNationally 2.77%
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
Virginia Beach 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5269 Providence Rd, Virginia Beach, VA 23464
12 Month Special EasyStart Certificate
$50
4.35%
▲ 1.29% above Virginia avg
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.06%▲ 1.29% above avgNationally 2.99%
Details
Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 5 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5269 Providence Rd, Virginia Beach, VA 23464
Short-Term Certificate (Share, IRA, ESA) - 12 Months
$0
4.10%
▲ 1.04% above Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.06%▲ 1.04% above avgNationally 2.99%
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%
5269 Providence Rd, Virginia Beach, VA 23464
Short-Term Certificate (Share, IRA, ESA) - 12 Months
$0
4.05%
▲ 0.99% above Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.06%▲ 0.99% above avgNationally 2.99%
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
Blue Ridge Bank National Association
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
300 32nd St, Virginia Beach, VA 23451
12 Month Golden Advantage Certificate of Deposits and Specials
$0
4.05%
▲ 0.99% above Virginia avg
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.06%▲ 0.99% above avgNationally 2.99%
Details
Limited time offer; Early withdrawal fee may apply
Rate History
No change since Oct 14, 2026 · 4.05% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5269 Providence Rd, Virginia Beach, VA 23464
12 Month ESA EasyStart Certificate
$50
4.00%
▲ 0.94% above Virginia avg
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.06%▲ 0.94% above avgNationally 2.99%
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
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.20%
930 First Colonial Rd, Virginia Beach, VA 23454 3180
12 Month Fixed Rate Certificate
$0
3.85%
▲ 0.79% above Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.06%▲ 0.79% above avgNationally 2.99%
Details
Rate History
No change since Sep 24, 2026 · 3.85% APY · checked 2 times
Beach Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
4164 Virginia Beach Blvd, Virginia Beach, VA 23452
12 Month Share Certificate
$0
3.82%
▲ 0.76% above Virginia avg
▼
Rate3.77%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.06%▲ 0.76% above avgNationally 2.99%
Details
Balance: $10,000.00 minimum; Effective Date: January 27, 2026
Rate History
No change since Sep 21, 2026 · 3.82% APY · checked 4 times
Beach Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
4164 Virginia Beach Blvd, Virginia Beach, VA 23452
12 Month IRA Share Certificate
$2,500
3.75%
▲ 0.69% above Virginia avg
▼
Rate3.75%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.06%▲ 0.69% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
5288 Providence Rd, Virginia Beach, VA 23464 4204
Certificate - 12 Months
$100,000
3.70%
▲ 0.64% above Virginia avg
▼
Rate3.64%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.06%▲ 0.64% above avgNationally 2.99%
Details
Rate History
1 change since Sep 18, 2026 · 3.20% → 3.70% ▲ 0.50 pts · high 3.70% / low 3.20%
- Sep 25, 20263.70%▲ from 3.20%
- Sep 18, 20263.20%first recorded
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
5288 Providence Rd, Virginia Beach, VA 23464 4204
IRA Certificate - 12 Months (Reg/Roth/Educ)
$1,000
3.70%
▲ 0.64% above Virginia avg
▼
Rate3.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.06%▲ 0.64% above avgNationally 2.99%
Details
IRA certificate for Regular, Roth, or Educational IRA; Bump certificates not included
Rate History
1 change since Sep 18, 2026 · 3.25% → 3.70% ▲ 0.45 pts · high 3.70% / low 3.25%
- Oct 5, 20263.70%▲ from 3.25%
- Sep 18, 20263.25%first recorded
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
5288 Providence Rd, Virginia Beach, VA 23464 4204
Certificate - 12 Months
$1,000
3.65%
▲ 0.59% above Virginia avg
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.06%▲ 0.59% above avgNationally 2.99%
Details
Rate History
1 change since Sep 18, 2026 · 3.15% → 3.65% ▲ 0.50 pts · high 3.65% / low 3.15%
- Sep 25, 20263.65%▲ from 3.15%
- Sep 18, 20263.15%first recorded
Chartway Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.30%
5700 Cleveland St, Virginia Beach, VA 23462 1752
12-Month No Penalty Promo Certificate (Share Certificate Only)
$500
3.30%
▲ 0.24% above Virginia avg
▼
Rate3.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.06%▲ 0.24% above avgNationally 2.99%
Details
No penalty certificate: one penalty-free withdrawal after 7 days, later withdrawals subject to 90 days' dividends penalty; funded with new deposits only; $100 minimum if under 18 years old
Rate History
No change since Sep 24, 2026 · 3.30% APY · checked 4 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
635 Lynnhaven Pkwy, Virginia Beach, VA 23452
CD - 12-Month Special Rate
$0
3.25%
▲ 0.19% above Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.06%▲ 0.19% above avgNationally 2.99%
Details
Balance: $100,000 and above; special rate on select new CD accounts; Balance builds toward Truist One Checking perks
Rate History
No change since Oct 14, 2026 · 3.25% APY
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
4920 Haygood Rd, Virginia Beach, VA 23455
1 Year IRA Certificate
$1,000
3.10%
▲ 0.04% above Virginia avg
▼
Rate3.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.06%▲ 0.04% above avgNationally 2.99%
Details
1 Year IRA Certificate; Early withdrawal penalty applies
Rate History
1 change since Oct 7, 2026 · 2.80% → 3.10% ▲ 0.30 pts · high 3.10% / low 2.80%
- Oct 14, 20263.10%▲ from 2.80%
- Oct 7, 20262.80%first recorded
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
5472 Indian River Rd, Virginia Beach, VA 23464
1 Year Standard CDs and IRAs
$0
3.00%
▼ 0.06% below Virginia avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.06%▼ 0.06% below avgNationally 2.99%
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
Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
998 Independence Blvd, Virginia Beach, VA 23455
12 Month Relationship CD
$0
2.35%
▼ 0.71% below Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.06%▼ 0.71% below avgNationally 2.99%
Details
Available to customers with a primary residence in Dollar Bank's Pennsylvania market; Schedule an Appointment
Rate History
No change since Sep 24, 2026 · 2.35% APY · checked 5 times
Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
998 Independence Blvd, Virginia Beach, VA 23455
12 Month Business Investment Certificate
$0
2.25%
▼ 0.81% below Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.06%▼ 0.81% below avgNationally 2.99%
Details
Balance: $250.00 - $99,999,999.99
Rate History
No change since Sep 24, 2026 · 2.25% APY · checked 5 times
Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
998 Independence Blvd, Virginia Beach, VA 23455
12 Month CD Ladder
$0
2.25%
▼ 0.81% below Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.06%▼ 0.81% below avgNationally 2.99%
Details
Available to customers with a primary residence in Dollar Bank's Pennsylvania market; Schedule an Appointment
Rate History
No change since Sep 24, 2026 · 2.25% APY · checked 5 times
Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
998 Independence Blvd, Virginia Beach, VA 23455
12 Month Relationship CD
$0
2.25%
▼ 0.81% below Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.06%▼ 0.81% below avgNationally 2.99%
Details
Available to customers with a primary residence in Dollar Bank's Pennsylvania market; Schedule an Appointment
Rate History
No change since Sep 24, 2026 · 2.25% APY · checked 5 times
Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
998 Independence Blvd, Virginia Beach, VA 23455
12 Month Traditional Term CD
$0
2.25%
▼ 0.81% below Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.06%▼ 0.81% below avgNationally 2.99%
Details
Available to customers with a primary residence in Dollar Bank's Pennsylvania market
Rate History
No change since Sep 24, 2026 · 2.25% APY · checked 5 times
BayPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
4388 Holland Rd, Virginia Beach, VA 23452
1 Year Share Certificate - Premier / Select Relationship
$0
2.20%
▼ 0.86% below Virginia avg
▼
Rate2.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.06%▼ 0.86% below avgNationally 2.99%
Details
Type: Premier / Select Relationship
Rate History
No change since Oct 14, 2026 · 2.20% APY
BayPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
4388 Holland Rd, Virginia Beach, VA 23452
Share Certificate 12-month - Premier / Select Relationship
$0
2.20%
▼ 0.86% below Virginia avg
▼
Rate2.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.06%▼ 0.86% below avgNationally 2.99%
Details
Relationship: Premier / Select Relationship
Rate History
No change since Oct 14, 2026 · 2.20% APY
Beach Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
4164 Virginia Beach Blvd, Virginia Beach, VA 23452
12 Month Share Certificate
$0
2.18%
▼ 0.88% below Virginia avg
▼
Rate2.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.06%▼ 0.88% below avgNationally 2.99%
Details
Balance: $1,000.00 minimum; Effective Date: January 27, 2026
Rate History
No change since Sep 21, 2026 · 2.18% APY · checked 4 times
BayPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
4388 Holland Rd, Virginia Beach, VA 23452
1 Year Share Certificate - Preferred Relationship
$0
2.15%
▼ 0.91% below Virginia avg
▼
Rate2.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.06%▼ 0.91% below avgNationally 2.99%
Details
Type: Preferred Relationship
Rate History
No change since Oct 14, 2026 · 2.15% APY
BayPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
4388 Holland Rd, Virginia Beach, VA 23452
Share Certificate 12-month - Preferred Relationship
$0
2.15%
▼ 0.91% below Virginia avg
▼
Rate2.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.06%▼ 0.91% below avgNationally 2.99%
Details
Relationship: Preferred Relationship
Rate History
No change since Oct 14, 2026 · 2.15% APY
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2021 Lynnhaven Pkwy, Virginia Beach, VA 23456
Certificate of Deposit 1 Year
$500
2.00%
▼ 1.06% below Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.06%▼ 1.06% below avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 8 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2021 Lynnhaven Pkwy, Virginia Beach, VA 23456
IRA 1 Year
$500
2.00%
▼ 1.06% below Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.06%▼ 1.06% below avgNationally 2.99%
Details
Rate History
No change since Oct 14, 2026 · 2.00% APY
Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
998 Independence Blvd, Virginia Beach, VA 23455
12 Month Rising Rate CD
$0
2.00%
▼ 1.06% below Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.06%▼ 1.06% below avgNationally 2.99%
Details
Available to customers with a primary residence in Dollar Bank's Pennsylvania market; Schedule an Appointment
Rate History
No change since Sep 24, 2026 · 2.00% APY · checked 5 times
BayPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
4388 Holland Rd, Virginia Beach, VA 23452
1 Year Share Certificate - Regular
$0
1.90%
▼ 1.16% below Virginia avg
▼
Rate1.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.06%▼ 1.16% below avgNationally 2.99%
Details
Type: Regular
Rate History
No change since Oct 14, 2026 · 1.90% APY
BayPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
4388 Holland Rd, Virginia Beach, VA 23452
Share Certificate 12-month - Regular
$0
1.90%
▼ 1.16% below Virginia avg
▼
Rate1.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.06%▼ 1.16% below avgNationally 2.99%
Details
Relationship: Regular
Rate History
No change since Oct 14, 2026 · 1.90% APY
Blue Ridge Bank National Association
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
300 32nd St, Virginia Beach, VA 23451
12 Month Business Certificates of Deposit
$0
1.80%
▼ 1.26% below Virginia avg
▼
Rate1.79%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.06%▼ 1.26% below avgNationally 2.99%
Details
Minimum balance to open and to obtain APY is $1,000.00; Early withdrawal fee may apply
Rate History
No change since Oct 14, 2026 · 1.80% APY
Beach Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
4164 Virginia Beach Blvd, Virginia Beach, VA 23452
12 Month IRA Share Certificate
$500
1.76%
▼ 1.30% below Virginia avg
▼
Rate1.76%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.06%▼ 1.30% below avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 1.76% APY · checked 5 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
6563 College Park Sq, Virginia Beach, VA 23464
1 year Standard Fixed Rate CD - Relationship
$2,500
1.51%
▼ 1.55% below Virginia avg
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.06%▼ 1.55% below avgNationally 2.99%
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%
6563 College Park Sq, Virginia Beach, VA 23464
1 year Standard Fixed Rate CD
$2,500
1.50%
▼ 1.56% below Virginia avg
▼
Rate1.49%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.06%▼ 1.56% below avgNationally 2.99%
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
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1345 Perimeter Pkwy, Virginia Beach, VA 23454 5882
12 Month Standard CDs - Rewards
$0
1.40%
▼ 1.66% below Virginia avg
▼
Rate1.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.06%▼ 1.66% below avgNationally 2.99%
Details
Rewards APY
Rate History
No change since Oct 14, 2026 · 1.40% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1345 Perimeter Pkwy, Virginia Beach, VA 23454 5882
12 Month Standard IRA CDs
$0
1.40%
▼ 1.66% below Virginia avg
▼
Rate1.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.06%▼ 1.66% below avgNationally 2.99%
Details
Rewards APY
Rate History
No change since Oct 14, 2026 · 1.40% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1345 Perimeter Pkwy, Virginia Beach, VA 23454 5882
12 Month Standard CDs - Regular
$0
1.30%
▼ 1.76% below Virginia avg
▼
Rate1.29%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.06%▼ 1.76% below avgNationally 2.99%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 1.30% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1345 Perimeter Pkwy, Virginia Beach, VA 23454 5882
12 Month Standard IRA CDs
$0
1.30%
▼ 1.76% below Virginia avg
▼
Rate1.29%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.06%▼ 1.76% below avgNationally 2.99%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 1.30% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1345 Perimeter Pkwy, Virginia Beach, VA 23454 5882
Standard CD - 12-month term
$0
1.30%
▼ 1.76% below Virginia avg
▼
Rate1.29%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.06%▼ 1.76% below avgNationally 2.99%
Details
Regular APY
Rate History
1 change since Sep 14, 2026 · 1.40% → 1.30% ▼ 0.10 pts · high 1.40% / low 1.30%
- Oct 14, 20261.30%▼ from 1.40%
- Sep 14, 20261.40%first recorded
Beach Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
4164 Virginia Beach Blvd, Virginia Beach, VA 23452
12 Month Share Certificate
$0
1.07%
▼ 1.99% below Virginia avg
▼
Rate1.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.06%▼ 1.99% below avgNationally 2.99%
Details
Balance: $500.00 minimum; Effective Date: January 27, 2026
Rate History
No change since Sep 21, 2026 · 1.07% APY · checked 4 times
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
5386 Kempsriver Dr Ste 104, Virginia Beach, VA 23464
Business Share Certificate - 12 Month
$500
1.00%
▼ 2.06% below Virginia avg
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.06%▼ 2.06% below avgNationally 2.99%
Details
Dividend rate 0.996%; $500 minimum balance to open; dividends compounded quarterly; penalty for withdrawals before maturity
Rate History
No change since Sep 12, 2026 · 1.00% APY · checked 2 times
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
5386 Kempsriver Dr Ste 104, Virginia Beach, VA 23464
Share & IRA Certificate Accounts - 12 Month
$500
1.00%
▼ 2.06% below Virginia avg
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.06%▼ 2.06% below avgNationally 2.99%
Details
Standard certificate
Rate History
No change since Sep 12, 2026 · 1.00% APY · checked 2 times
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
4429 Bonney Rd, Virginia Beach, VA 23462
12 Month Certificates of Deposit
$0
0.70%
▼ 2.36% below Virginia avg
▼
Rate0.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.06%▼ 2.36% below avgNationally 2.99%
Details
Rate History
No change since Sep 18, 2026 · 0.70% APY · checked 7 times
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
4429 Bonney Rd, Virginia Beach, VA 23462
Certificates of Deposit - 12-Month Variable Rate
$0
0.70%
▼ 2.36% below Virginia avg
▼
Rate0.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.06%▼ 2.36% below avgNationally 2.99%
Details
Variable Rate
Rate History
No change since Oct 14, 2026 · 0.70% APY
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4860 Virginia Beach Blvd, Virginia Beach, VA 23462
12 Month Certificate of Deposit
$0
0.03%
▼ 3.03% below Virginia avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.06%▼ 3.03% below avgNationally 2.99%
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%
4860 Virginia Beach Blvd, Virginia Beach, VA 23462
IRA CD - 12 Months
$250
0.03%
▼ 3.03% below Virginia avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.06%▼ 3.03% below avgNationally 2.99%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4860 Virginia Beach Blvd, Virginia Beach, VA 23462
12 Month Certificate of Deposit
$0
0.02%
▼ 3.04% below Virginia avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.06%▼ 3.04% below avgNationally 2.99%
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%
4860 Virginia Beach Blvd, Virginia Beach, VA 23462
IRA CD - 12 Months
$250
0.02%
▼ 3.04% below Virginia avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.06%▼ 3.04% below avgNationally 2.99%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4860 Virginia Beach Blvd, Virginia Beach, VA 23462
12 Month Certificate of Deposit
$0
0.01%
▼ 3.05% below Virginia avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.06%▼ 3.05% below avgNationally 2.99%
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%
4860 Virginia Beach Blvd, Virginia Beach, VA 23462
IRA CD - 12 Months
$250
0.01%
▼ 3.05% below Virginia avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.06%▼ 3.05% below avgNationally 2.99%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
Virginia Beach 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5269 Providence Rd, Virginia Beach, VA 23464
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.15%
▲ 1.03% above Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.12%▲ 1.03% 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%
5269 Providence Rd, Virginia Beach, VA 23464
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.10%
▲ 0.98% above Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.12%▲ 0.98% 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
Beach Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
4164 Virginia Beach Blvd, Virginia Beach, VA 23452
18 Month Share Certificate
$0
3.82%
▲ 0.70% above Virginia avg
▼
Rate3.77%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.12%▲ 0.70% above avgNationally 2.88%
Details
Balance: $10,000.00 minimum; Effective Date: January 27, 2026
Rate History
No change since Sep 21, 2026 · 3.82% APY · checked 4 times
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
5288 Providence Rd, Virginia Beach, VA 23464 4204
IRA Certificate - 18 Months (Reg/Roth/Educ)
$1,000
3.80%
▲ 0.68% above Virginia avg
▼
Rate3.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.12%▲ 0.68% above avgNationally 2.88%
Details
Early withdrawal penalty may apply to all certificates at 15-day x original term of dividends on amount withdrawn.
Rate History
1 change since Sep 18, 2026 · 3.05% → 3.80% ▲ 0.75 pts · high 3.80% / low 3.05%
- Sep 25, 20263.80%▲ from 3.05%
- Sep 18, 20263.05%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1345 Perimeter Pkwy, Virginia Beach, VA 23454 5882
18 Month CD Specials - Regular
$0
3.80%
▲ 0.68% above Virginia avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.12%▲ 0.68% above avgNationally 2.88%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 3.80% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1345 Perimeter Pkwy, Virginia Beach, VA 23454 5882
18 Month IRA CD Specials - Regular APY
$0
3.80%
▲ 0.68% above Virginia avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.12%▲ 0.68% above avgNationally 2.88%
Details
Regular APY; Dividend Rate 3.74%
Rate History
No change since Oct 14, 2026 · 3.80% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1345 Perimeter Pkwy, Virginia Beach, VA 23454 5882
18 Month IRA CD Specials - Rewards APY
$0
3.80%
▲ 0.68% above Virginia avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.12%▲ 0.68% above avgNationally 2.88%
Details
Rewards APY; Dividend Rate 3.74%
Rate History
No change since Oct 14, 2026 · 3.80% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1345 Perimeter Pkwy, Virginia Beach, VA 23454 5882
CD Specials 18-month term
$0
3.80%
▲ 0.68% above Virginia avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.12%▲ 0.68% above avgNationally 2.88%
Details
Rate History
1 change since Sep 27, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.80% / low 3.65%
- Oct 14, 20263.80%▲ from 3.65%
- Sep 27, 20263.65%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5269 Providence Rd, Virginia Beach, VA 23464
18 Month ESA EasyStart Certificate
$50
3.70%
▲ 0.58% above Virginia avg
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.12%▲ 0.58% 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
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
5288 Providence Rd, Virginia Beach, VA 23464 4204
Certificate - 18 Months
$1,000
3.70%
▲ 0.58% above Virginia avg
▼
Rate3.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.12%▲ 0.58% above avgNationally 2.88%
Details
Rate History
1 change since Sep 21, 2026 · 3.00% → 3.70% ▲ 0.70 pts · high 3.70% / low 3.00%
- Sep 25, 20263.70%▲ from 3.00%
- Sep 21, 20263.00%first recorded
Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
998 Independence Blvd, Virginia Beach, VA 23455
18 Month Relationship CD
$0
2.60%
▼ 0.52% below Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.12%▼ 0.52% below avgNationally 2.88%
Details
Available to customers with a primary residence in Dollar Bank's Pennsylvania market; Schedule an Appointment
Rate History
No change since Sep 24, 2026 · 2.60% APY · checked 5 times
Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
998 Independence Blvd, Virginia Beach, VA 23455
18 Month Business Investment Certificate
$0
2.50%
▼ 0.62% below Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.12%▼ 0.62% below avgNationally 2.88%
Details
Balance: $250.00 - $99,999,999.99
Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 5 times
Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
998 Independence Blvd, Virginia Beach, VA 23455
18 Month CD Ladder
$0
2.50%
▼ 0.62% below Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.12%▼ 0.62% below avgNationally 2.88%
Details
Available to customers with a primary residence in Dollar Bank's Pennsylvania market; Schedule an Appointment
Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 5 times
Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
998 Independence Blvd, Virginia Beach, VA 23455
18 Month Relationship CD
$0
2.50%
▼ 0.62% below Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.12%▼ 0.62% below avgNationally 2.88%
Details
Available to customers with a primary residence in Dollar Bank's Pennsylvania market; Schedule an Appointment
Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 5 times
Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
998 Independence Blvd, Virginia Beach, VA 23455
18 Month Traditional Term CD
$0
2.50%
▼ 0.62% below Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.12%▼ 0.62% below avgNationally 2.88%
Details
Available to customers with a primary residence in Dollar Bank's Pennsylvania market
Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 5 times
Beach Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
4164 Virginia Beach Blvd, Virginia Beach, VA 23452
18 Month Share Certificate
$0
2.40%
▼ 0.72% below Virginia avg
▼
Rate2.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.12%▼ 0.72% below avgNationally 2.88%
Details
Balance: $1,000.00 minimum; Effective Date: January 27, 2026
Rate History
No change since Sep 21, 2026 · 2.40% APY · checked 4 times
BayPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
4388 Holland Rd, Virginia Beach, VA 23452
Share Certificate 18-month - Premier / Select Relationship
$0
2.20%
▼ 0.92% below Virginia avg
▼
Rate2.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.12%▼ 0.92% below avgNationally 2.88%
Details
Relationship: Premier / Select Relationship
Rate History
No change since Oct 14, 2026 · 2.20% APY
BayPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
4388 Holland Rd, Virginia Beach, VA 23452
Share Certificate 18-month - Preferred Relationship
$0
2.15%
▼ 0.97% below Virginia avg
▼
Rate2.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.12%▼ 0.97% below avgNationally 2.88%
Details
Relationship: Preferred Relationship
Rate History
No change since Oct 14, 2026 · 2.15% APY
BayPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
4388 Holland Rd, Virginia Beach, VA 23452
Share Certificate 18-month - Regular
$0
1.90%
▼ 1.22% below Virginia avg
▼
Rate1.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.12%▼ 1.22% below avgNationally 2.88%
Details
Relationship: Regular
Rate History
No change since Oct 14, 2026 · 1.90% APY
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
4429 Bonney Rd, Virginia Beach, VA 23462
18 Month Certificates of Deposit
$0
0.95%
▼ 2.17% below Virginia avg
▼
Rate0.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.12%▼ 2.17% below avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 0.95% APY · checked 7 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4860 Virginia Beach Blvd, Virginia Beach, VA 23462
18 Month Certificate of Deposit
$0
0.03%
▼ 3.09% below Virginia avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.12%▼ 3.09% 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%
4860 Virginia Beach Blvd, Virginia Beach, VA 23462
IRA CD - 18 Months
$250
0.03%
▼ 3.09% below Virginia avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.12%▼ 3.09% 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%
4860 Virginia Beach Blvd, Virginia Beach, VA 23462
18 Month Certificate of Deposit
$0
0.02%
▼ 3.10% below Virginia avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.12%▼ 3.10% 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%
4860 Virginia Beach Blvd, Virginia Beach, VA 23462
IRA CD - 18 Months
$250
0.02%
▼ 3.10% below Virginia avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.12%▼ 3.10% 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
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4860 Virginia Beach Blvd, Virginia Beach, VA 23462
18 Month Certificate of Deposit
$0
0.01%
▼ 3.11% below Virginia avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.12%▼ 3.11% 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%
4860 Virginia Beach Blvd, Virginia Beach, VA 23462
IRA CD - 18 Months
$250
0.01%
▼ 3.11% below Virginia avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.12%▼ 3.11% 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
$50,000
4.45%
▲ 1.33% above Virginia avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.12%▲ 1.33% above avgNationally 2.88%
Details
Senior
Rate History
2 changes since Sep 21, 2026 · 3.90% → 4.45% ▲ 0.55 pts · high 4.45% / low 3.90%
- Oct 13, 20264.45%▲ from 4.25%
- Oct 5, 20264.25%▲ from 3.90%
- Sep 21, 20263.90%first recorded
SFGI Direct
Institution Rating:
A5.0 ★Texas Ratio: 7.39%
18-Month CD
$1,000
4.40%
▲ 1.28% above Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.12%▲ 1.28% 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%
18 Month CD
$1,000
4.35%
▲ 1.23% above Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.12%▲ 1.23% 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%
Certificate of Deposit 18 Months
$1,000
4.35%
▲ 1.23% above Virginia avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.12%▲ 1.23% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 4.35% APY · checked 7 times
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
18 month Certificate
$0
4.35%
▲ 1.23% above Virginia avg
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.12%▲ 1.23% above avgNationally 2.88%
Details
Rate History
No change since Sep 25, 2026 · 4.35% APY · checked 4 times
Merck Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
18 month IRA Certificate
$0
4.35%
▲ 1.23% above Virginia avg
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.12%▲ 1.23% above avgNationally 2.88%
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%
18 Month Share Certificate
$100,000
4.35%
▲ 1.23% above Virginia avg
▼
Rate4.26%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.12%▲ 1.23% above avgNationally 2.88%
Details
Rate Effective Date: October 12, 2026
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
$500
4.35%
▲ 1.23% above Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.12%▲ 1.23% above avgNationally 2.88%
Details
Senior
Rate History
2 changes since Sep 21, 2026 · 3.80% → 4.35% ▲ 0.55 pts · high 4.35% / low 3.80%
- Oct 13, 20264.35%▲ from 4.15%
- Oct 5, 20264.15%▲ from 3.80%
- Sep 21, 20263.80%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Business Share Certificates - 18 Months
$500
4.30%
▲ 1.18% above Virginia avg
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.12%▲ 1.18% above avgNationally 2.88%
Details
Penalties apply for early withdrawal
Rate History
1 change since Oct 4, 2026 · 4.35% → 4.30% ▼ 0.05 pts · high 4.35% / low 4.30%
- Oct 12, 20264.30%▼ from 4.35%
- Oct 4, 20264.35%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Share Certificates - 18 Months
$500
4.30%
▲ 1.18% above Virginia avg
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.12%▲ 1.18% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.67% → 4.30% ▲ 0.63 pts · high 4.30% / low 3.67%
- Oct 4, 20264.30%▲ from 3.67%
- Sep 14, 20263.67%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Traditional IRA Certificates - 18 Months
$500
4.30%
▲ 1.18% above Virginia avg
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.12%▲ 1.18% above avgNationally 2.88%
Details
Minimum balance of $500 required; Dividends compounded daily and credited monthly; Penalties apply for early withdrawal; Membership required; IRA Certificates(Traditional, Roth, SEP and Coverdell ESA)
Rate History
No change since Oct 8, 2026 · 4.30% APY · checked 2 times
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
18 Month IRA Certificates
$500
4.25%
▲ 1.13% above Virginia avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.12%▲ 1.13% 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%
Share Certificate - 18 Month
$1,000
4.25%
▲ 1.13% above Virginia avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.12%▲ 1.13% above avgNationally 2.88%
Details
Minimum to open $1,000.00
Rate History
No change since Oct 12, 2026 · 4.25% APY
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
18 Month Share Certificate
$500
4.25%
▲ 1.13% above Virginia avg
▼
Rate4.16%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.12%▲ 1.13% above avgNationally 2.88%
Details
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%
▲ 1.13% above Virginia avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.12%▲ 1.13% 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%
▲ 1.13% above Virginia avg
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.12%▲ 1.13% 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%
▲ 1.13% above Virginia avg
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.12%▲ 1.13% 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%
▲ 1.03% above Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.12%▲ 1.03% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 7 times
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
18 Month IRA Traditional & Roth CD
$500
4.15%
▲ 1.03% above Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.12%▲ 1.03% 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%
▲ 1.03% above Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.12%▲ 1.03% 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%
▲ 0.98% above Virginia avg
▼
Rate4.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.12%▲ 0.98% 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%
▲ 0.88% above Virginia avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.12%▲ 0.88% 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%
▲ 0.78% above Virginia avg
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.12%▲ 0.78% 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
M&T Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
18 Month Select Certificate of Deposit
$1,000
3.85%
▲ 0.73% above Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.12%▲ 0.73% 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
Virginia Beach 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.20%
930 First Colonial Rd, Virginia Beach, VA 23454 3180
24 Month Fixed Rate Certificate
$0
3.90%
▲ 0.97% above Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.93%▲ 0.97% above avgNationally 2.88%
Details
Rate History
No change since Sep 24, 2026 · 3.90% APY · checked 2 times
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
5288 Providence Rd, Virginia Beach, VA 23464 4204
IRA Certificate - 24 Months (Reg/Roth/Educ)
$100,000
3.75%
▲ 0.82% above Virginia avg
▼
Rate3.69%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.93%▲ 0.82% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 2.85% → 3.75% ▲ 0.90 pts · high 3.75% / low 2.85%
- Sep 25, 20263.75%▲ from 2.85%
- Sep 18, 20262.85%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5269 Providence Rd, Virginia Beach, VA 23464
Short-Term Certificate (Share, IRA, ESA) - 24 Months
$0
3.70%
▲ 0.77% above Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.93%▲ 0.77% 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 · 3.70% APY
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
5288 Providence Rd, Virginia Beach, VA 23464 4204
Certificate - 24 Months
$100,000
3.70%
▲ 0.77% above Virginia avg
▼
Rate3.64%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.93%▲ 0.77% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 2.80% → 3.70% ▲ 0.90 pts · high 3.70% / low 2.80%
- Sep 25, 20263.70%▲ from 2.80%
- Sep 18, 20262.80%first recorded
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
5288 Providence Rd, Virginia Beach, VA 23464 4204
IRA Certificate - 24 Months (Reg/Roth/Educ)
$1,000
3.70%
▲ 0.77% above Virginia avg
▼
Rate3.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.93%▲ 0.77% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 2.80% → 3.70% ▲ 0.90 pts · high 3.70% / low 2.80%
- Sep 25, 20263.70%▲ from 2.80%
- Sep 18, 20262.80%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5269 Providence Rd, Virginia Beach, VA 23464
Short-Term Certificate (Share, IRA, ESA) - 24 Months
$0
3.66%
▲ 0.73% above Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.93%▲ 0.73% 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 · 3.66% APY
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
5288 Providence Rd, Virginia Beach, VA 23464 4204
Certificate - 24 Months
$1,000
3.65%
▲ 0.72% above Virginia avg
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.93%▲ 0.72% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 2.75% → 3.65% ▲ 0.90 pts · high 3.65% / low 2.75%
- Sep 25, 20263.65%▲ from 2.75%
- Sep 18, 20262.75%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5269 Providence Rd, Virginia Beach, VA 23464
24 Month ESA EasyStart Certificate
$50
3.60%
▲ 0.67% above Virginia avg
▼
Rate3.54%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.93%▲ 0.67% 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 · 3.60% APY · checked 3 times
Beach Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
4164 Virginia Beach Blvd, Virginia Beach, VA 23452
24 Month Share Certificate
$0
3.39%
▲ 0.46% above Virginia avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.93%▲ 0.46% above avgNationally 2.88%
Details
Balance: $10,000.00 minimum; Effective Date: January 27, 2026
Rate History
No change since Sep 21, 2026 · 3.39% APY · checked 4 times
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
4920 Haygood Rd, Virginia Beach, VA 23455
2 Year IRA Certificate
$1,000
3.30%
▲ 0.37% above Virginia avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.93%▲ 0.37% above avgNationally 2.88%
Details
2 Year IRA Certificate; Early withdrawal penalty applies
Rate History
1 change since Oct 7, 2026 · 3.10% → 3.30% ▲ 0.20 pts · high 3.30% / low 3.10%
- Oct 14, 20263.30%▲ from 3.10%
- Oct 7, 20263.10%first recorded
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
5386 Kempsriver Dr Ste 104, Virginia Beach, VA 23464
Business Share Certificate - 24 Month
$500
2.75%
▼ 0.18% below Virginia avg
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.93%▼ 0.18% below avgNationally 2.88%
Details
Dividend rate 2.722%; $500 minimum balance to open; dividends compounded quarterly; penalty for withdrawals before maturity
Rate History
No change since Sep 12, 2026 · 2.75% APY · checked 2 times
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
5386 Kempsriver Dr Ste 104, Virginia Beach, VA 23464
Share & IRA Certificate Accounts - 24 Month
$500
2.75%
▼ 0.18% below Virginia avg
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.93%▼ 0.18% below avgNationally 2.88%
Details
Standard certificate
Rate History
No change since Sep 12, 2026 · 2.75% APY · checked 2 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1345 Perimeter Pkwy, Virginia Beach, VA 23454 5882
24 Month Standard CDs - Rewards
$0
2.60%
▼ 0.33% below Virginia avg
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.93%▼ 0.33% below avgNationally 2.88%
Details
Rewards APY
Rate History
No change since Oct 14, 2026 · 2.60% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1345 Perimeter Pkwy, Virginia Beach, VA 23454 5882
24 Month Standard IRA CDs
$0
2.60%
▼ 0.33% below Virginia avg
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.93%▼ 0.33% below avgNationally 2.88%
Details
Rewards APY
Rate History
No change since Oct 14, 2026 · 2.60% APY
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
5472 Indian River Rd, Virginia Beach, VA 23464
2 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 2.88%
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
Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
998 Independence Blvd, Virginia Beach, VA 23455
24 Month Business Investment Certificate
$0
2.50%
▼ 0.43% below Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.93%▼ 0.43% below avgNationally 2.88%
Details
Balance: $250.00 - $99,999,999.99
Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 5 times
Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
998 Independence Blvd, Virginia Beach, VA 23455
24 Month CD Ladder
$0
2.50%
▼ 0.43% below Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.93%▼ 0.43% below avgNationally 2.88%
Details
Available to customers with a primary residence in Dollar Bank's Pennsylvania market; Schedule an Appointment
Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 5 times
Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
998 Independence Blvd, Virginia Beach, VA 23455
24 Month Traditional Term CD
$0
2.50%
▼ 0.43% below Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.93%▼ 0.43% below avgNationally 2.88%
Details
Available to customers with a primary residence in Dollar Bank's Pennsylvania market
Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 5 times
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
5288 Providence Rd, Virginia Beach, VA 23464 4204
Bump Certificate - 24 Months
$1,000
2.50%
▼ 0.43% below Virginia avg
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.93%▼ 0.43% below avgNationally 2.88%
Details
Member may bump the certificate rate 1 time over the life of the certificate; Early withdrawal penalty may apply to all certificates at 15-day x original term of dividends on amount withdrawn
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 7 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1345 Perimeter Pkwy, Virginia Beach, VA 23454 5882
24 Month Standard CDs - Regular
$0
2.34%
▼ 0.59% below Virginia avg
▼
Rate2.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.93%▼ 0.59% below avgNationally 2.88%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 2.34% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1345 Perimeter Pkwy, Virginia Beach, VA 23454 5882
24 Month Standard IRA CDs
$0
2.34%
▼ 0.59% below Virginia avg
▼
Rate2.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.93%▼ 0.59% below avgNationally 2.88%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 2.34% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1345 Perimeter Pkwy, Virginia Beach, VA 23454 5882
Standard CD - 24-month term
$0
2.34%
▼ 0.59% below Virginia avg
▼
Rate2.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.93%▼ 0.59% below avgNationally 2.88%
Details
Regular APY
Rate History
1 change since Sep 14, 2026 · 2.60% → 2.34% ▼ 0.26 pts · high 2.60% / low 2.34%
- Oct 14, 20262.34%▼ from 2.60%
- Sep 14, 20262.60%first recorded
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2021 Lynnhaven Pkwy, Virginia Beach, VA 23456
Certificate of Deposit 2 Year
$500
2.25%
▼ 0.68% below Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.93%▼ 0.68% below avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 8 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2021 Lynnhaven Pkwy, Virginia Beach, VA 23456
IRA 2 Year
$500
2.25%
▼ 0.68% below Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.93%▼ 0.68% below avgNationally 2.88%
Details
Rate History
No change since Oct 14, 2026 · 2.25% APY
BayPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
4388 Holland Rd, Virginia Beach, VA 23452
2 Year Share Certificate - Premier / Select Relationship
$0
2.20%
▼ 0.73% below Virginia avg
▼
Rate2.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.93%▼ 0.73% below avgNationally 2.88%
Details
Type: Premier / Select Relationship
Rate History
No change since Oct 14, 2026 · 2.20% APY
BayPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
4388 Holland Rd, Virginia Beach, VA 23452
Share Certificate 24-month - Premier / Select Relationship
$0
2.20%
▼ 0.73% below Virginia avg
▼
Rate2.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.93%▼ 0.73% below avgNationally 2.88%
Details
Relationship: Premier / Select Relationship
Rate History
No change since Oct 14, 2026 · 2.20% APY
BayPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
4388 Holland Rd, Virginia Beach, VA 23452
2 Year Share Certificate - Preferred Relationship
$0
2.15%
▼ 0.78% below Virginia avg
▼
Rate2.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.93%▼ 0.78% below avgNationally 2.88%
Details
Type: Preferred Relationship
Rate History
No change since Oct 14, 2026 · 2.15% APY
BayPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
4388 Holland Rd, Virginia Beach, VA 23452
Share Certificate 24-month - Preferred Relationship
$0
2.15%
▼ 0.78% below Virginia avg
▼
Rate2.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.93%▼ 0.78% below avgNationally 2.88%
Details
Relationship: Preferred Relationship
Rate History
No change since Oct 14, 2026 · 2.15% APY
BayPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
4388 Holland Rd, Virginia Beach, VA 23452
2 Year Share Certificate - Regular
$0
1.90%
▼ 1.03% below Virginia avg
▼
Rate1.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.93%▼ 1.03% below avgNationally 2.88%
Details
Type: Regular
Rate History
No change since Oct 14, 2026 · 1.90% APY
BayPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
4388 Holland Rd, Virginia Beach, VA 23452
Share Certificate 24-month - Regular
$0
1.90%
▼ 1.03% below Virginia avg
▼
Rate1.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.93%▼ 1.03% below avgNationally 2.88%
Details
Relationship: Regular
Rate History
No change since Oct 14, 2026 · 1.90% APY
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
4429 Bonney Rd, Virginia Beach, VA 23462
24 Month Certificates of Deposit
$0
0.95%
▼ 1.98% below Virginia avg
▼
Rate0.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.93%▼ 1.98% below avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 0.95% APY · checked 7 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4860 Virginia Beach Blvd, Virginia Beach, VA 23462
24 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 2.88%
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%
4860 Virginia Beach Blvd, Virginia Beach, VA 23462
IRA CD - 24 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 2.88%
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%
4860 Virginia Beach Blvd, Virginia Beach, VA 23462
24 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 2.88%
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%
4860 Virginia Beach Blvd, Virginia Beach, VA 23462
IRA CD - 24 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 2.88%
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%
4860 Virginia Beach Blvd, Virginia Beach, VA 23462
24 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 2.88%
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%
4860 Virginia Beach Blvd, Virginia Beach, VA 23462
IRA CD - 24 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 2.88%
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%
▲ 1.67% above Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.93%▲ 1.67% above avgNationally 2.88%
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%
▲ 1.52% above Virginia avg
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.93%▲ 1.52% above avgNationally 2.88%
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%
▲ 1.47% above Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.93%▲ 1.47% above avgNationally 2.88%
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%
▲ 1.47% above Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.93%▲ 1.47% above avgNationally 2.88%
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%
▲ 1.47% above Virginia avg
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.93%▲ 1.47% above avgNationally 2.88%
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%
▲ 1.47% above Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.93%▲ 1.47% above avgNationally 2.88%
Details
Special Rate (APY)
Rate History
No change since Oct 12, 2026 · 4.40% APY
EagleBank
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
24 Month CD
$1,000
4.35%
▲ 1.42% above Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.93%▲ 1.42% 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%
Certificate of Deposit 24 Months
$1,000
4.35%
▲ 1.42% above Virginia avg
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.93%▲ 1.42% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 4.35% APY · checked 7 times
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Business Share Certificates - 24 Months
$500
4.35%
▲ 1.42% above Virginia avg
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.93%▲ 1.42% above avgNationally 2.88%
Details
Penalties apply for early withdrawal
Rate History
No change since Oct 4, 2026 · 4.35% APY · checked 2 times
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Share Certificates - 24 Months
$500
4.35%
▲ 1.42% above Virginia avg
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.93%▲ 1.42% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.67% → 4.35% ▲ 0.68 pts · high 4.35% / low 3.67%
- Oct 4, 20264.35%▲ from 3.67%
- Sep 14, 20263.67%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Traditional IRA Certificates - 24 Months
$500
4.35%
▲ 1.42% above Virginia avg
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.93%▲ 1.42% above avgNationally 2.88%
Details
Minimum balance of $500 required; Dividends compounded daily and credited monthly; Penalties apply for early withdrawal; Membership required; IRA Certificates(Traditional, Roth, SEP and Coverdell ESA)
Rate History
No change since Oct 8, 2026 · 4.35% APY · checked 2 times
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
24 Month Share Certificate
$100,000
4.35%
▲ 1.42% above Virginia avg
▼
Rate4.26%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.93%▲ 1.42% above avgNationally 2.88%
Details
Rate Effective Date: October 12, 2026
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%
▲ 1.37% above Virginia avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.93%▲ 1.37% above avgNationally 2.88%
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
Virginia Beach 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%
5269 Providence Rd, Virginia Beach, VA 23464
3 Year ESA Long-Term Certificate
$0
4.15%
▲ 1.25% above Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.90%▲ 1.25% above avgNationally 2.81%
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%
5269 Providence Rd, Virginia Beach, VA 23464
3 Year ESA Long-Term Certificate
$0
4.10%
▲ 1.20% above Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.90%▲ 1.20% above avgNationally 2.81%
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
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
5288 Providence Rd, Virginia Beach, VA 23464 4204
IRA Certificate - 36 Months (Reg/Roth/Educ)
$100,000
3.80%
▲ 0.90% above Virginia avg
▼
Rate3.73%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.90%▲ 0.90% above avgNationally 2.81%
Details
Early withdrawal penalty may apply to all certificates at 15-day x original term of dividends on amount withdrawn
Rate History
1 change since Sep 18, 2026 · 3.10% → 3.80% ▲ 0.70 pts · high 3.80% / low 3.10%
- Sep 25, 20263.80%▲ from 3.10%
- Sep 18, 20263.10%first recorded
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
5288 Providence Rd, Virginia Beach, VA 23464 4204
Certificate - 36 Months
$100,000
3.75%
▲ 0.85% above Virginia avg
▼
Rate3.69%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.90%▲ 0.85% above avgNationally 2.81%
Details
Rate History
1 change since Sep 21, 2026 · 3.05% → 3.75% ▲ 0.70 pts · high 3.75% / low 3.05%
- Sep 25, 20263.75%▲ from 3.05%
- Sep 21, 20263.05%first recorded
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
5288 Providence Rd, Virginia Beach, VA 23464 4204
IRA Certificate - 36 Months (Reg/Roth/Educ)
$1,000
3.75%
▲ 0.85% above Virginia avg
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.90%▲ 0.85% above avgNationally 2.81%
Details
Early withdrawal penalty may apply to all certificates at 15-day x original term of dividends on amount withdrawn
Rate History
1 change since Sep 18, 2026 · 3.10% → 3.75% ▲ 0.65 pts · high 3.75% / low 3.10%
- Sep 25, 20263.75%▲ from 3.10%
- Sep 18, 20263.10%first recorded
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
5288 Providence Rd, Virginia Beach, VA 23464 4204
Certificate - 36 Months
$1,000
3.70%
▲ 0.80% above Virginia avg
▼
Rate3.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.90%▲ 0.80% above avgNationally 2.81%
Details
Rate History
1 change since Sep 21, 2026 · 3.00% → 3.70% ▲ 0.70 pts · high 3.70% / low 3.00%
- Sep 25, 20263.70%▲ from 3.00%
- Sep 21, 20263.00%first recorded
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
4920 Haygood Rd, Virginia Beach, VA 23455
3 Year IRA Certificate
$1,000
3.30%
▲ 0.40% above Virginia avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.90%▲ 0.40% above avgNationally 2.81%
Details
3 Year IRA Certificate; Early withdrawal penalty applies
Rate History
1 change since Oct 7, 2026 · 3.10% → 3.30% ▲ 0.20 pts · high 3.30% / low 3.10%
- Oct 14, 20263.30%▲ from 3.10%
- Oct 7, 20263.10%first recorded
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
5288 Providence Rd, Virginia Beach, VA 23464 4204
Bump Certificate - 36 Months
$1,000
2.80%
▼ 0.10% below Virginia avg
▼
Rate2.76%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.90%▼ 0.10% below avgNationally 2.81%
Details
Member may bump the certificate rate 1 time over the life of the certificate; early withdrawal penalty may apply at 15-day x original term of dividends on amount withdrawn
Rate History
No change since Sep 21, 2026 · 2.80% APY · checked 6 times
Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
998 Independence Blvd, Virginia Beach, VA 23455
36 Month CD Ladder
$0
2.75%
▼ 0.15% below Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.90%▼ 0.15% below avgNationally 2.81%
Details
Available to customers with a primary residence in Dollar Bank's Pennsylvania market; Schedule an Appointment
Rate History
1 change since Sep 24, 2026 · 2.50% → 2.75% ▲ 0.25 pts · high 2.75% / low 2.50%
- Oct 14, 20262.75%▲ from 2.50%
- Sep 24, 20262.50%first recorded
Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
998 Independence Blvd, Virginia Beach, VA 23455
36 Month Traditional Term CD
$0
2.75%
▼ 0.15% below Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.90%▼ 0.15% below avgNationally 2.81%
Details
Available to customers with a primary residence in Dollar Bank's Pennsylvania market
Rate History
1 change since Sep 24, 2026 · 2.50% → 2.75% ▲ 0.25 pts · high 2.75% / low 2.50%
- Oct 14, 20262.75%▲ from 2.50%
- Sep 24, 20262.50%first recorded
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
5386 Kempsriver Dr Ste 104, Virginia Beach, VA 23464
Business Share Certificate - 36 Month
$500
2.75%
▼ 0.15% below Virginia avg
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.90%▼ 0.15% below avgNationally 2.81%
Details
Dividend rate 2.722%; $500 minimum balance to open; dividends compounded quarterly; penalty for withdrawals before maturity
Rate History
No change since Sep 12, 2026 · 2.75% APY · checked 2 times
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
5386 Kempsriver Dr Ste 104, Virginia Beach, VA 23464
Share & IRA Certificate Accounts - 36 Month
$500
2.75%
▼ 0.15% below Virginia avg
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.90%▼ 0.15% below avgNationally 2.81%
Details
Standard certificate
Rate History
No change since Sep 12, 2026 · 2.75% APY · checked 2 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1345 Perimeter Pkwy, Virginia Beach, VA 23454 5882
36 Month Standard CDs - Rewards
$0
2.75%
▼ 0.15% below Virginia avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.90%▼ 0.15% below avgNationally 2.81%
Details
Rewards APY
Rate History
No change since Oct 14, 2026 · 2.75% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1345 Perimeter Pkwy, Virginia Beach, VA 23454 5882
36 Month Standard IRA CDs
$0
2.75%
▼ 0.15% below Virginia avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.90%▼ 0.15% below avgNationally 2.81%
Details
Rewards APY
Rate History
No change since Oct 14, 2026 · 2.75% APY
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
5472 Indian River Rd, Virginia Beach, VA 23464
3 Year Standard CDs and IRAs
$0
2.50%
▼ 0.40% below Virginia avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.90%▼ 0.40% 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
Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
998 Independence Blvd, Virginia Beach, VA 23455
36 Month Business Investment Certificate
$0
2.50%
▼ 0.40% below Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.90%▼ 0.40% below avgNationally 2.81%
Details
Balance: $250.00 - $99,999,999.99
Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 5 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1345 Perimeter Pkwy, Virginia Beach, VA 23454 5882
36 Month Standard CDs - Regular
$0
2.49%
▼ 0.41% below Virginia avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.90%▼ 0.41% below avgNationally 2.81%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 2.49% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1345 Perimeter Pkwy, Virginia Beach, VA 23454 5882
36 Month Standard IRA CDs
$0
2.49%
▼ 0.41% below Virginia avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.90%▼ 0.41% below avgNationally 2.81%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 2.49% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1345 Perimeter Pkwy, Virginia Beach, VA 23454 5882
Standard CD - 36-month term
$0
2.49%
▼ 0.41% below Virginia avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.90%▼ 0.41% below avgNationally 2.81%
Details
Regular APY
Rate History
1 change since Sep 14, 2026 · 2.75% → 2.49% ▼ 0.26 pts · high 2.75% / low 2.49%
- Oct 14, 20262.49%▼ from 2.75%
- Sep 14, 20262.75%first recorded
BayPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
4388 Holland Rd, Virginia Beach, VA 23452
3 Year Share Certificate - Premier / Select Relationship
$0
2.20%
▼ 0.70% below Virginia avg
▼
Rate2.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.90%▼ 0.70% below avgNationally 2.81%
Details
Type: Premier / Select Relationship
Rate History
No change since Oct 14, 2026 · 2.20% APY
BayPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
4388 Holland Rd, Virginia Beach, VA 23452
Share Certificate 36-month - Premier / Select Relationship
$0
2.20%
▼ 0.70% below Virginia avg
▼
Rate2.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.90%▼ 0.70% below avgNationally 2.81%
Details
Relationship: Premier / Select Relationship
Rate History
No change since Oct 14, 2026 · 2.20% APY
BayPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
4388 Holland Rd, Virginia Beach, VA 23452
3 Year Share Certificate - Preferred Relationship
$0
2.15%
▼ 0.75% below Virginia avg
▼
Rate2.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.90%▼ 0.75% below avgNationally 2.81%
Details
Type: Preferred Relationship
Rate History
No change since Oct 14, 2026 · 2.15% APY
BayPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
4388 Holland Rd, Virginia Beach, VA 23452
Share Certificate 36-month - Preferred Relationship
$0
2.15%
▼ 0.75% below Virginia avg
▼
Rate2.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.90%▼ 0.75% below avgNationally 2.81%
Details
Relationship: Preferred Relationship
Rate History
No change since Oct 14, 2026 · 2.15% APY
BayPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
4388 Holland Rd, Virginia Beach, VA 23452
3 Year Share Certificate - Regular
$0
1.90%
▼ 1.00% below Virginia avg
▼
Rate1.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.90%▼ 1.00% below avgNationally 2.81%
Details
Type: Regular
Rate History
No change since Oct 14, 2026 · 1.90% APY
BayPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
4388 Holland Rd, Virginia Beach, VA 23452
Share Certificate 36-month - Regular
$0
1.90%
▼ 1.00% below Virginia avg
▼
Rate1.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.90%▼ 1.00% below avgNationally 2.81%
Details
Relationship: Regular
Rate History
No change since Oct 14, 2026 · 1.90% APY
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2021 Lynnhaven Pkwy, Virginia Beach, VA 23456
Certificate of Deposit 3 Year
$500
1.40%
▼ 1.50% below Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.90%▼ 1.50% below avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 1.40% APY · checked 8 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2021 Lynnhaven Pkwy, Virginia Beach, VA 23456
IRA 3 Year
$500
1.40%
▼ 1.50% below Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.90%▼ 1.50% below avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 1.40% APY
Blue Ridge Bank National Association
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
300 32nd St, Virginia Beach, VA 23451
36 Month Golden Advantage Certificate of Deposits and Specials
$0
1.40%
▼ 1.50% below Virginia avg
▼
Rate1.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.90%▼ 1.50% below avgNationally 2.81%
Details
Limited time offer; Early withdrawal fee may apply
Rate History
No change since Oct 14, 2026 · 1.40% APY
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
4429 Bonney Rd, Virginia Beach, VA 23462
36 Month Certificates of Deposit
$0
1.01%
▼ 1.89% below Virginia avg
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.90%▼ 1.89% below avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 1.01% APY · checked 7 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4860 Virginia Beach Blvd, Virginia Beach, VA 23462
36 Month Certificate of Deposit
$0
0.03%
▼ 2.87% below Virginia avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.90%▼ 2.87% 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%
4860 Virginia Beach Blvd, Virginia Beach, VA 23462
IRA CD - 36 Months
$250
0.03%
▼ 2.87% below Virginia avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.90%▼ 2.87% 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%
4860 Virginia Beach Blvd, Virginia Beach, VA 23462
36 Month Certificate of Deposit
$0
0.02%
▼ 2.88% below Virginia avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.90%▼ 2.88% 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%
4860 Virginia Beach Blvd, Virginia Beach, VA 23462
IRA CD - 36 Months
$250
0.02%
▼ 2.88% below Virginia avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.90%▼ 2.88% 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%
4860 Virginia Beach Blvd, Virginia Beach, VA 23462
36 Month Certificate of Deposit
$0
0.01%
▼ 2.89% below Virginia avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.90%▼ 2.89% 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%
4860 Virginia Beach Blvd, Virginia Beach, VA 23462
IRA CD - 36 Months
$250
0.01%
▼ 2.89% below Virginia avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.90%▼ 2.89% below avgNationally 2.81%
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%
▲ 1.69% above Virginia avg
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.90%▲ 1.69% above avgNationally 2.81%
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%
▲ 1.69% above Virginia avg
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.90%▲ 1.69% 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 · 4.59% 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%
▲ 1.60% above Virginia avg
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.90%▲ 1.60% above avgNationally 2.81%
Details
Rate History
1 change since Sep 21, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15%
- Oct 5, 20264.50%▲ from 4.15%
- Sep 21, 20264.15%first recorded
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
36 Month Share Certificate
$0
4.45%
▲ 1.55% above Virginia avg
▼
Rate4.36%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.90%▲ 1.55% above avgNationally 2.81%
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%
▲ 1.50% above Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.90%▲ 1.50% above avgNationally 2.81%
Details
Special Rate (APY)
Rate History
No change since Oct 12, 2026 · 4.40% APY
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
36 Month Share Certificate
$100,000
4.40%
▲ 1.50% above Virginia avg
▼
Rate4.31%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.90%▲ 1.50% above avgNationally 2.81%
Details
Rate Effective Date: October 12, 2026
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%
Business Share Certificates - 36 Months
$500
4.35%
▲ 1.45% above Virginia avg
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.90%▲ 1.45% above avgNationally 2.81%
Details
Penalties apply for early withdrawal
Rate History
No change since Oct 4, 2026 · 4.35% APY · checked 2 times
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Share Certificates - 36 Months
$500
4.35%
▲ 1.45% above Virginia avg
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.90%▲ 1.45% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.35% ▲ 0.53 pts · high 4.35% / low 3.82%
- Oct 4, 20264.35%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Traditional IRA Certificates - 36 Months
$500
4.35%
▲ 1.45% above Virginia avg
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.90%▲ 1.45% above avgNationally 2.81%
Details
Minimum balance of $500 required; Dividends compounded daily and credited monthly; Penalties apply for early withdrawal; Membership required; IRA Certificates(Traditional, Roth, SEP and Coverdell ESA)
Rate History
No change since Oct 8, 2026 · 4.35% APY · checked 2 times
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
36 Month Jumbo CD
$50,000
4.35%
▲ 1.45% above Virginia avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.90%▲ 1.45% above avgNationally 2.81%
Details
Rate History
1 change since Sep 21, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
- Oct 5, 20264.35%▲ from 4.00%
- Sep 21, 20264.00%first recorded
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
36 Month Share Certificate
$500
4.33%
▲ 1.43% above Virginia avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.90%▲ 1.43% above avgNationally 2.81%
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%
▲ 1.40% above Virginia avg
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.90%▲ 1.40% above avgNationally 2.81%
Details
Rate History
1 change since Oct 5, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
- Oct 13, 20264.30%▲ from 3.80%
- Oct 5, 20263.80%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
Share Certificate - 36 Month
$1,000
4.25%
▲ 1.35% above Virginia avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.90%▲ 1.35% above avgNationally 2.81%
Details
Minimum to open $1,000.00
Rate History
No change since Oct 12, 2026 · 4.25% APY
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
3 Year IRA Traditional & Roth CD
$500
4.25%
▲ 1.35% above Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.90%▲ 1.35% above avgNationally 2.81%
Details
Rate History
1 change since Sep 21, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
- 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%
▲ 1.35% above Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.90%▲ 1.35% above avgNationally 2.81%
Details
Rate History
1 change since Sep 21, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
- Oct 5, 20264.25%▲ from 3.90%
- Sep 21, 20263.90%first recorded
Virginia Beach 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
4920 Haygood Rd, Virginia Beach, VA 23455
4 Year IRA Certificate
$1,000
3.30%
▲ 0.44% above Virginia avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.86%▲ 0.44% above avgNationally 2.80%
Details
4 Year IRA Certificate; Early withdrawal penalty applies
Rate History
1 change since Oct 7, 2026 · 3.10% → 3.30% ▲ 0.20 pts · high 3.30% / low 3.10%
- Oct 14, 20263.30%▲ from 3.10%
- Oct 7, 20263.10%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1345 Perimeter Pkwy, Virginia Beach, VA 23454 5882
48 Month Standard CDs - Rewards
$0
2.90%
▲ 0.04% above Virginia avg
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.86%▲ 0.04% above avgNationally 2.80%
Details
Rewards APY
Rate History
No change since Oct 14, 2026 · 2.90% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1345 Perimeter Pkwy, Virginia Beach, VA 23454 5882
48 Month Standard IRA CDs
$0
2.90%
▲ 0.04% above Virginia avg
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.86%▲ 0.04% above avgNationally 2.80%
Details
Rewards APY
Rate History
No change since Oct 14, 2026 · 2.90% APY
Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
998 Independence Blvd, Virginia Beach, VA 23455
48 Month CD Ladder
$0
2.75%
▼ 0.11% below Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.86%▼ 0.11% below avgNationally 2.80%
Details
Available to customers with a primary residence in Dollar Bank's Pennsylvania market; Schedule an Appointment
Rate History
1 change since Sep 24, 2026 · 2.50% → 2.75% ▲ 0.25 pts · high 2.75% / low 2.50%
- Oct 14, 20262.75%▲ from 2.50%
- Sep 24, 20262.50%first recorded
Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
998 Independence Blvd, Virginia Beach, VA 23455
48 Month Traditional Term CD
$0
2.75%
▼ 0.11% below Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.86%▼ 0.11% below avgNationally 2.80%
Details
Available to customers with a primary residence in Dollar Bank's Pennsylvania market
Rate History
1 change since Sep 24, 2026 · 2.50% → 2.75% ▲ 0.25 pts · high 2.75% / low 2.50%
- Oct 14, 20262.75%▲ from 2.50%
- Sep 24, 20262.50%first recorded
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
5386 Kempsriver Dr Ste 104, Virginia Beach, VA 23464
Business Share Certificate - 48 Month
$500
2.75%
▼ 0.11% below Virginia avg
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.86%▼ 0.11% below avgNationally 2.80%
Details
Dividend rate 2.722%; $500 minimum balance to open; dividends compounded quarterly; penalty for withdrawals before maturity
Rate History
No change since Sep 12, 2026 · 2.75% APY · checked 2 times
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
5386 Kempsriver Dr Ste 104, Virginia Beach, VA 23464
Share & IRA Certificate Accounts - 48 Month
$500
2.75%
▼ 0.11% below Virginia avg
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.86%▼ 0.11% below avgNationally 2.80%
Details
Standard certificate
Rate History
No change since Sep 12, 2026 · 2.75% APY · checked 2 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1345 Perimeter Pkwy, Virginia Beach, VA 23454 5882
48 Month Standard CDs - Regular
$0
2.64%
▼ 0.22% below Virginia avg
▼
Rate2.61%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.86%▼ 0.22% below avgNationally 2.80%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 2.64% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1345 Perimeter Pkwy, Virginia Beach, VA 23454 5882
48 Month Standard IRA CDs
$0
2.64%
▼ 0.22% below Virginia avg
▼
Rate2.61%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.86%▼ 0.22% below avgNationally 2.80%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 2.64% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1345 Perimeter Pkwy, Virginia Beach, VA 23454 5882
Standard CD - 48-month term
$0
2.64%
▼ 0.22% below Virginia avg
▼
Rate2.61%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.86%▼ 0.22% below avgNationally 2.80%
Details
Regular APY
Rate History
1 change since Sep 14, 2026 · 2.90% → 2.64% ▼ 0.26 pts · high 2.90% / low 2.64%
- Oct 14, 20262.64%▼ from 2.90%
- Sep 14, 20262.90%first recorded
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
5472 Indian River Rd, Virginia Beach, VA 23464
4 Year Standard CDs and IRAs
$0
2.50%
▼ 0.36% below Virginia avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.86%▼ 0.36% below avgNationally 2.80%
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
Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
998 Independence Blvd, Virginia Beach, VA 23455
48 Month Business Investment Certificate
$0
2.50%
▼ 0.36% below Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.86%▼ 0.36% below avgNationally 2.80%
Details
Balance: $250.00 - $99,999,999.99
Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 5 times
BayPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
4388 Holland Rd, Virginia Beach, VA 23452
4 Year Share Certificate - Premier / Select Relationship
$0
2.20%
▼ 0.66% below Virginia avg
▼
Rate2.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.86%▼ 0.66% below avgNationally 2.80%
Details
Type: Premier / Select Relationship
Rate History
No change since Oct 14, 2026 · 2.20% APY
BayPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
4388 Holland Rd, Virginia Beach, VA 23452
Share Certificate 48-month - Premier / Select Relationship
$0
2.20%
▼ 0.66% below Virginia avg
▼
Rate2.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.86%▼ 0.66% below avgNationally 2.80%
Details
Relationship: Premier / Select Relationship
Rate History
No change since Oct 14, 2026 · 2.20% APY
BayPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
4388 Holland Rd, Virginia Beach, VA 23452
4 Year Share Certificate - Preferred Relationship
$0
2.15%
▼ 0.71% below Virginia avg
▼
Rate2.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.86%▼ 0.71% below avgNationally 2.80%
Details
Type: Preferred Relationship
Rate History
No change since Oct 14, 2026 · 2.15% APY
BayPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
4388 Holland Rd, Virginia Beach, VA 23452
Share Certificate 48-month - Preferred Relationship
$0
2.15%
▼ 0.71% below Virginia avg
▼
Rate2.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.86%▼ 0.71% below avgNationally 2.80%
Details
Relationship: Preferred Relationship
Rate History
No change since Oct 14, 2026 · 2.15% APY
BayPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
4388 Holland Rd, Virginia Beach, VA 23452
4 Year Share Certificate - Regular
$0
1.90%
▼ 0.96% below Virginia avg
▼
Rate1.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.86%▼ 0.96% below avgNationally 2.80%
Details
Type: Regular
Rate History
No change since Oct 14, 2026 · 1.90% APY
BayPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
4388 Holland Rd, Virginia Beach, VA 23452
Share Certificate 48-month - Regular
$0
1.90%
▼ 0.96% below Virginia avg
▼
Rate1.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.86%▼ 0.96% below avgNationally 2.80%
Details
Relationship: Regular
Rate History
No change since Oct 14, 2026 · 1.90% APY
Blue Ridge Bank National Association
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
300 32nd St, Virginia Beach, VA 23451
48 Month Golden Advantage Certificate of Deposits and Specials
$0
1.45%
▼ 1.41% below Virginia avg
▼
Rate1.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.86%▼ 1.41% below avgNationally 2.80%
Details
Limited time offer; Early withdrawal fee may apply
Rate History
No change since Oct 14, 2026 · 1.45% APY
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2021 Lynnhaven Pkwy, Virginia Beach, VA 23456
Certificate of Deposit 4 Year
$500
1.15%
▼ 1.71% below Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.86%▼ 1.71% below avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 1.15% APY · checked 8 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2021 Lynnhaven Pkwy, Virginia Beach, VA 23456
IRA 4 Year
$500
1.15%
▼ 1.71% below Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.86%▼ 1.71% below avgNationally 2.80%
Details
Rate History
No change since Oct 14, 2026 · 1.15% APY
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
4429 Bonney Rd, Virginia Beach, VA 23462
48 Month Certificates of Deposit
$0
1.01%
▼ 1.85% below Virginia avg
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.86%▼ 1.85% below avgNationally 2.80%
Details
Rate History
No change since Sep 18, 2026 · 1.01% APY · checked 7 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4860 Virginia Beach Blvd, Virginia Beach, VA 23462
48 Month Certificate of Deposit
$0
0.03%
▼ 2.83% below Virginia avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.86%▼ 2.83% below avgNationally 2.80%
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%
4860 Virginia Beach Blvd, Virginia Beach, VA 23462
IRA CD - 48 Months
$250
0.03%
▼ 2.83% below Virginia avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.86%▼ 2.83% below avgNationally 2.80%
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%
4860 Virginia Beach Blvd, Virginia Beach, VA 23462
48 Month Certificate of Deposit
$0
0.02%
▼ 2.84% below Virginia avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.86%▼ 2.84% below avgNationally 2.80%
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%
4860 Virginia Beach Blvd, Virginia Beach, VA 23462
IRA CD - 48 Months
$250
0.02%
▼ 2.84% below Virginia avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.86%▼ 2.84% below avgNationally 2.80%
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%
4860 Virginia Beach Blvd, Virginia Beach, VA 23462
48 Month Certificate of Deposit
$0
0.01%
▼ 2.85% below Virginia avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.86%▼ 2.85% below avgNationally 2.80%
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%
4860 Virginia Beach Blvd, Virginia Beach, VA 23462
IRA CD - 48 Months
$250
0.01%
▼ 2.85% below Virginia avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.86%▼ 2.85% below avgNationally 2.80%
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%
▲ 1.89% above Virginia avg
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.86%▲ 1.89% above avgNationally 2.80%
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%
▲ 1.64% above Virginia avg
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.86%▲ 1.64% above avgNationally 2.80%
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%
▲ 1.54% above Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.86%▲ 1.54% above avgNationally 2.80%
Details
Special Rate (APY)
Rate History
No change since Oct 12, 2026 · 4.40% APY
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
48 Month Share Certificate
$100,000
4.40%
▲ 1.54% above Virginia avg
▼
Rate4.31%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.86%▲ 1.54% above avgNationally 2.80%
Details
Rate Effective Date: October 12, 2026
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%
Business Share Certificates - 48 Months
$500
4.35%
▲ 1.49% above Virginia avg
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.86%▲ 1.49% above avgNationally 2.80%
Details
Penalties apply for early withdrawal
Rate History
No change since Oct 4, 2026 · 4.35% APY · checked 2 times
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Share Certificates - 48 Months
$500
4.35%
▲ 1.49% above Virginia avg
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.86%▲ 1.49% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.35% ▲ 0.53 pts · high 4.35% / low 3.82%
- Oct 4, 20264.35%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Traditional IRA Certificates - 48 Months
$500
4.35%
▲ 1.49% above Virginia avg
▼
Rate4.26%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.86%▲ 1.49% above avgNationally 2.80%
Details
Minimum balance of $500 required; Dividends compounded daily and credited monthly; Penalties apply for early withdrawal; Membership required; IRA Certificates(Traditional, Roth, SEP and Coverdell ESA)
Rate History
No change since Oct 8, 2026 · 4.35% APY · checked 2 times
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
48 Month Share Certificate
$500
4.30%
▲ 1.44% above Virginia avg
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.86%▲ 1.44% above avgNationally 2.80%
Details
Rate History
1 change since Oct 5, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
- Oct 13, 20264.30%▲ from 3.80%
- Oct 5, 20263.80%first recorded
Hanscom Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.62%
Share Certificate - 48 Month
$1,000
4.25%
▲ 1.39% above Virginia avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.86%▲ 1.39% above avgNationally 2.80%
Details
Minimum to open $1,000.00
Rate History
No change since Oct 12, 2026 · 4.25% APY
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.62%
IRA Certificates - 4 Year Term
$500
4.25%
▲ 1.39% above Virginia avg
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.86%▲ 1.39% above avgNationally 2.80%
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%
▲ 1.39% above Virginia avg
▼
Rate4.18%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.86%▲ 1.39% above avgNationally 2.80%
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%
▲ 1.34% above Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.86%▲ 1.34% above avgNationally 2.80%
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%
▲ 1.27% above Virginia avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.86%▲ 1.27% above avgNationally 2.80%
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%
▲ 1.27% above Virginia avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.86%▲ 1.27% above avgNationally 2.80%
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
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
3 - 4 Year Business Investment Certificate - Jumbo
$100,000
4.05%
▲ 1.19% above Virginia avg
▼
Rate3.98%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.86%▲ 1.19% above avgNationally 2.80%
Details
$100k; Term: 3 to 4 Years (1,095 to 1,460 days); Early Withdrawal Penalty: 240 Days' Dividends
Rate History
No change since Oct 14, 2026 · 4.05% APY
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
3 - 4 Year Investment Certificate - Jumbo
$0
4.05%
▲ 1.19% above Virginia avg
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.86%▲ 1.19% above avgNationally 2.80%
Details
Term: 3 to 4 Years (1,095 to 1,460 days); Jumbo ($100k Minimum); Early Withdrawal Penalty: 180 Days' Dividends
Rate History
No change since Oct 14, 2026 · 4.05% APY
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.63%
4 Year Certificate
$1,000
4.00%
▲ 1.14% above Virginia avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average2.86%▲ 1.14% above avgNationally 2.80%
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%
▲ 1.14% above Virginia avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.86%▲ 1.14% above avgNationally 2.80%
Details
Term: 3 to 4 Years (1,095 to 1,460 days); Early Withdrawal Penalty: 240 Days' Dividends
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
3 - 4 Year Investment Certificate
$1,000
4.00%
▲ 1.14% above Virginia avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average2.86%▲ 1.14% above avgNationally 2.80%
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 5 times
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.99%
Share and IRA Certificate - 48 Month
$500
3.98%
▲ 1.12% above Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.86%▲ 1.12% above avgNationally 2.80%
Details
Minimum Balance to Open and Earn APY; Share/IRA/Roth/ESA
Rate History
No change since Sep 14, 2026 · 3.98% APY · checked 3 times
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.22%
Bonus Certificates - 48 Month
$0
3.97%
▲ 1.11% above Virginia avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.86%▲ 1.11% above avgNationally 2.80%
Details
Rate History
1 change since Sep 14, 2026 · 3.91% → 3.97% ▲ 0.06 pts · high 3.97% / low 3.91%
- 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
3.97%
▲ 1.11% above Virginia avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average2.86%▲ 1.11% above avgNationally 2.80%
Details
Minimum daily balance to earn APY: $40,000; Early withdrawal penalty may apply
Rate History
1 change since Sep 14, 2026 · 3.91% → 3.97% ▲ 0.06 pts · high 3.97% / low 3.91%
- Sep 25, 20263.97%▲ from 3.91%
- Sep 14, 20263.91%first recorded
Virginia Beach 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Beach Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
4164 Virginia Beach Blvd, Virginia Beach, VA 23452
60 Month Youth Share Certificate
$0
5.00%
▲ 1.97% above Virginia avg
▼
Rate4.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.03%▲ 1.97% above avgNationally 2.91%
Details
Available Options: $50 and $100 only; Exclusively for Long John Saver & Pipeline members; Part of Long John Saver Kids Club & Pipeline for Teens; Maximum $1,000 in Youth Share Certificates at any one time; Effective Date: June 29, 2023
Rate History
No change since Oct 9, 2026 · 5.00% APY · checked 2 times
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.20%
930 First Colonial Rd, Virginia Beach, VA 23454 3180
60 Month Fixed Rate Certificate
$0
4.11%
▲ 1.08% above Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.03%▲ 1.08% above avgNationally 2.91%
Details
Rate History
No change since Sep 24, 2026 · 4.11% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5269 Providence Rd, Virginia Beach, VA 23464
5 Year ESA Long-Term Certificate
$0
3.90%
▲ 0.87% above Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.03%▲ 0.87% above avgNationally 2.91%
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
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
5288 Providence Rd, Virginia Beach, VA 23464 4204
IRA Certificate - 60 Months (Reg/Roth/Educ)
$100,000
3.90%
▲ 0.87% above Virginia avg
▼
Rate3.83%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.03%▲ 0.87% above avgNationally 2.91%
Details
Early withdrawal penalty may apply to all certificates at 15-day x original term of dividends on amount withdrawn
Rate History
1 change since Sep 18, 2026 · 3.10% → 3.90% ▲ 0.80 pts · high 3.90% / low 3.10%
- Sep 25, 20263.90%▲ from 3.10%
- Sep 18, 20263.10%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5269 Providence Rd, Virginia Beach, VA 23464
5 Year ESA Long-Term Certificate
$0
3.85%
▲ 0.82% above Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.03%▲ 0.82% above avgNationally 2.91%
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
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
5288 Providence Rd, Virginia Beach, VA 23464 4204
Certificate - 60 Months
$100,000
3.85%
▲ 0.82% above Virginia avg
▼
Rate3.78%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.03%▲ 0.82% above avgNationally 2.91%
Details
Rate History
1 change since Sep 18, 2026 · 3.05% → 3.85% ▲ 0.80 pts · high 3.85% / low 3.05%
- Sep 25, 20263.85%▲ from 3.05%
- Sep 18, 20263.05%first recorded
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
5288 Providence Rd, Virginia Beach, VA 23464 4204
IRA Certificate - 60 Months (Reg/Roth/Educ)
$1,000
3.85%
▲ 0.82% above Virginia avg
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.03%▲ 0.82% above avgNationally 2.91%
Details
Early withdrawal penalty may apply to all certificates at 15-day x original term of dividends on amount withdrawn
Rate History
1 change since Sep 18, 2026 · 3.10% → 3.85% ▲ 0.75 pts · high 3.85% / low 3.10%
- Sep 25, 20263.85%▲ from 3.10%
- Sep 18, 20263.10%first recorded
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
5288 Providence Rd, Virginia Beach, VA 23464 4204
Certificate - 60 Months
$1,000
3.80%
▲ 0.77% above Virginia avg
▼
Rate3.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.03%▲ 0.77% above avgNationally 2.91%
Details
Rate History
1 change since Sep 18, 2026 · 3.00% → 3.80% ▲ 0.80 pts · high 3.80% / low 3.00%
- Sep 25, 20263.80%▲ from 3.00%
- Sep 18, 20263.00%first recorded
Beach Municipal Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
4164 Virginia Beach Blvd, Virginia Beach, VA 23452
60 Month Share Certificate
$0
3.53%
▲ 0.50% above Virginia avg
▼
Rate3.48%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.03%▲ 0.50% above avgNationally 2.91%
Details
Balance: $500.00 minimum; Effective Date: January 27, 2026
Rate History
No change since Sep 21, 2026 · 3.53% APY · checked 4 times
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
4920 Haygood Rd, Virginia Beach, VA 23455
5 Year IRA Certificate
$1,000
3.40%
▲ 0.37% above Virginia avg
▼
Rate3.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.03%▲ 0.37% above avgNationally 2.91%
Details
5 Year IRA Certificate; Early withdrawal penalty applies
Rate History
1 change since Oct 7, 2026 · 3.10% → 3.40% ▲ 0.30 pts · high 3.40% / low 3.10%
- Oct 14, 20263.40%▲ from 3.10%
- Oct 7, 20263.10%first recorded
Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
998 Independence Blvd, Virginia Beach, VA 23455
60 Month Relationship CD
$0
3.35%
▲ 0.32% above Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.03%▲ 0.32% above avgNationally 2.91%
Details
Available to customers with a primary residence in Dollar Bank's Pennsylvania market; Schedule an Appointment
Rate History
1 change since Sep 24, 2026 · 3.10% → 3.35% ▲ 0.25 pts · high 3.35% / low 3.10%
- Oct 14, 20263.35%▲ from 3.10%
- Sep 24, 20263.10%first recorded
Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
998 Independence Blvd, Virginia Beach, VA 23455
60 Month CD Ladder
$0
3.25%
▲ 0.22% above Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.03%▲ 0.22% above avgNationally 2.91%
Details
Available to customers with a primary residence in Dollar Bank's Pennsylvania market; Schedule an Appointment
Rate History
1 change since Sep 24, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00%
- Oct 14, 20263.25%▲ from 3.00%
- Sep 24, 20263.00%first recorded
Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
998 Independence Blvd, Virginia Beach, VA 23455
60 Month Relationship CD
$0
3.25%
▲ 0.22% above Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.03%▲ 0.22% above avgNationally 2.91%
Details
Available to customers with a primary residence in Dollar Bank's Pennsylvania market; Schedule an Appointment
Rate History
1 change since Sep 24, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00%
- Oct 14, 20263.25%▲ from 3.00%
- Sep 24, 20263.00%first recorded
Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
998 Independence Blvd, Virginia Beach, VA 23455
60 Month Traditional Term CD
$0
3.25%
▲ 0.22% above Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.03%▲ 0.22% above avgNationally 2.91%
Details
Available to customers with a primary residence in Dollar Bank's Pennsylvania market
Rate History
1 change since Sep 24, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00%
- Oct 14, 20263.25%▲ from 3.00%
- Sep 24, 20263.00%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1345 Perimeter Pkwy, Virginia Beach, VA 23454 5882
60 Month Standard CDs - Rewards
$0
3.10%
▲ 0.07% above Virginia avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.03%▲ 0.07% above avgNationally 2.91%
Details
Rewards APY
Rate History
No change since Oct 14, 2026 · 3.10% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1345 Perimeter Pkwy, Virginia Beach, VA 23454 5882
60 Month Standard IRA CDs
$0
3.10%
▲ 0.07% above Virginia avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.03%▲ 0.07% above avgNationally 2.91%
Details
Rewards APY
Rate History
No change since Oct 14, 2026 · 3.10% APY
Dollar Bank, Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.29%
998 Independence Blvd, Virginia Beach, VA 23455
60 Month Business Investment Certificate
$0
3.00%
▼ 0.03% below Virginia avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.03%▼ 0.03% below avgNationally 2.91%
Details
Balance: $250.00 - $99,999,999.99
Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 5 times
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1345 Perimeter Pkwy, Virginia Beach, VA 23454 5882
60 Month Standard CDs - Regular
$0
2.84%
▼ 0.19% below Virginia avg
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.03%▼ 0.19% below avgNationally 2.91%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 2.84% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1345 Perimeter Pkwy, Virginia Beach, VA 23454 5882
60 Month Standard IRA CDs
$0
2.84%
▼ 0.19% below Virginia avg
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.03%▼ 0.19% below avgNationally 2.91%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 2.84% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
1345 Perimeter Pkwy, Virginia Beach, VA 23454 5882
Standard CD - 60-month term
$0
2.84%
▼ 0.19% below Virginia avg
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.03%▼ 0.19% below avgNationally 2.91%
Details
Regular APY
Rate History
1 change since Sep 14, 2026 · 3.10% → 2.84% ▼ 0.26 pts · high 3.10% / low 2.84%
- Oct 14, 20262.84%▼ from 3.10%
- Sep 14, 20263.10%first recorded
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
5386 Kempsriver Dr Ste 104, Virginia Beach, VA 23464
Business Share Certificate - 60 Month
$500
2.75%
▼ 0.28% below Virginia avg
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.03%▼ 0.28% below avgNationally 2.91%
Details
Dividend rate 2.722%; $500 minimum balance to open; dividends compounded quarterly; penalty for withdrawals before maturity
Rate History
No change since Sep 12, 2026 · 2.75% APY · checked 2 times
1st Advantage Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
5386 Kempsriver Dr Ste 104, Virginia Beach, VA 23464
Share & IRA Certificate Accounts - 60 Month
$500
2.75%
▼ 0.28% below Virginia avg
▼
Rate2.72%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.03%▼ 0.28% below avgNationally 2.91%
Details
Standard certificate
Rate History
No change since Sep 12, 2026 · 2.75% APY · checked 2 times
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
5472 Indian River Rd, Virginia Beach, VA 23464
5 Year Standard CDs and IRAs
$0
2.50%
▼ 0.53% below Virginia avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.03%▼ 0.53% below avgNationally 2.91%
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
BayPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
4388 Holland Rd, Virginia Beach, VA 23452
5 Year Share Certificate - Premier / Select Relationship
$0
2.20%
▼ 0.83% below Virginia avg
▼
Rate2.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.03%▼ 0.83% below avgNationally 2.91%
Details
Type: Premier / Select Relationship
Rate History
No change since Oct 14, 2026 · 2.20% APY
BayPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
4388 Holland Rd, Virginia Beach, VA 23452
Share Certificate 60-month - Premier / Select Relationship
$0
2.20%
▼ 0.83% below Virginia avg
▼
Rate2.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.03%▼ 0.83% below avgNationally 2.91%
Details
Relationship: Premier / Select Relationship
Rate History
No change since Oct 14, 2026 · 2.20% APY
BayPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
4388 Holland Rd, Virginia Beach, VA 23452
5 Year Share Certificate - Preferred Relationship
$0
2.15%
▼ 0.88% below Virginia avg
▼
Rate2.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.03%▼ 0.88% below avgNationally 2.91%
Details
Type: Preferred Relationship
Rate History
No change since Oct 14, 2026 · 2.15% APY
BayPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
4388 Holland Rd, Virginia Beach, VA 23452
Share Certificate 60-month - Preferred Relationship
$0
2.15%
▼ 0.88% below Virginia avg
▼
Rate2.13%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.03%▼ 0.88% below avgNationally 2.91%
Details
Relationship: Preferred Relationship
Rate History
No change since Oct 14, 2026 · 2.15% APY
BayPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
4388 Holland Rd, Virginia Beach, VA 23452
5 Year Share Certificate - Regular
$0
1.90%
▼ 1.13% below Virginia avg
▼
Rate1.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.03%▼ 1.13% below avgNationally 2.91%
Details
Type: Regular
Rate History
No change since Oct 14, 2026 · 1.90% APY
BayPort Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.37%
4388 Holland Rd, Virginia Beach, VA 23452
Share Certificate 60-month - Regular
$0
1.90%
▼ 1.13% below Virginia avg
▼
Rate1.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.03%▼ 1.13% below avgNationally 2.91%
Details
Relationship: Regular
Rate History
No change since Oct 14, 2026 · 1.90% APY
Blue Ridge Bank National Association
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
300 32nd St, Virginia Beach, VA 23451
60 Month Business Certificates of Deposit
$0
1.50%
▼ 1.53% below Virginia avg
▼
Rate1.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.03%▼ 1.53% below avgNationally 2.91%
Details
Minimum balance to open and to obtain APY is $1,000.00; Early withdrawal fee may apply
Rate History
No change since Oct 14, 2026 · 1.50% APY
Blue Ridge Bank National Association
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
300 32nd St, Virginia Beach, VA 23451
60 Month Golden Advantage Certificate of Deposits and Specials
$0
1.50%
▼ 1.53% below Virginia avg
▼
Rate1.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.03%▼ 1.53% below avgNationally 2.91%
Details
Limited time offer; Early withdrawal fee may apply
Rate History
No change since Oct 14, 2026 · 1.50% APY
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2021 Lynnhaven Pkwy, Virginia Beach, VA 23456
Certificate of Deposit 5 Year
$500
1.25%
▼ 1.78% below Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.03%▼ 1.78% below avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 8 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2021 Lynnhaven Pkwy, Virginia Beach, VA 23456
IRA 5 Year
$500
1.25%
▼ 1.78% below Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.03%▼ 1.78% below avgNationally 2.91%
Details
Rate History
No change since Oct 14, 2026 · 1.25% APY
Fulton Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
4429 Bonney Rd, Virginia Beach, VA 23462
60 Month Certificates of Deposit
$0
1.01%
▼ 2.02% below Virginia avg
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.03%▼ 2.02% below avgNationally 2.91%
Details
Rate History
No change since Sep 18, 2026 · 1.01% APY · checked 7 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4860 Virginia Beach Blvd, Virginia Beach, VA 23462
60 Month Certificate of Deposit
$0
0.03%
▼ 3.00% below Virginia avg
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.03%▼ 3.00% below avgNationally 2.91%
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%
4860 Virginia Beach Blvd, Virginia Beach, VA 23462
IRA CD - 60 Months
$250
0.03%
▼ 3.00% below Virginia avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.03%▼ 3.00% below avgNationally 2.91%
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%
4860 Virginia Beach Blvd, Virginia Beach, VA 23462
60 Month Certificate of Deposit
$0
0.02%
▼ 3.01% below Virginia avg
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.03%▼ 3.01% below avgNationally 2.91%
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%
4860 Virginia Beach Blvd, Virginia Beach, VA 23462
IRA CD - 60 Months
$250
0.02%
▼ 3.01% below Virginia avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.03%▼ 3.01% below avgNationally 2.91%
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%
4860 Virginia Beach Blvd, Virginia Beach, VA 23462
60 Month Certificate of Deposit
$0
0.01%
▼ 3.02% below Virginia avg
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.03%▼ 3.02% below avgNationally 2.91%
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%
4860 Virginia Beach Blvd, Virginia Beach, VA 23462
IRA CD - 60 Months
$250
0.01%
▼ 3.02% below Virginia avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.03%▼ 3.02% below avgNationally 2.91%
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%
▲ 1.72% above Virginia avg
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.03%▲ 1.72% above avgNationally 2.91%
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%
▲ 1.52% above Virginia avg
▼
Rate4.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Virginia Average3.03%▲ 1.52% above avgNationally 2.91%
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%
Business Share Certificates - 60 Months
$500
4.50%
▲ 1.47% above Virginia avg
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.03%▲ 1.47% above avgNationally 2.91%
Details
Penalties apply for early withdrawal
Rate History
No change since Oct 4, 2026 · 4.50% APY · checked 2 times
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Share Certificates - 60 Months
$500
4.50%
▲ 1.47% above Virginia avg
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.03%▲ 1.47% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.50% ▲ 0.68 pts · high 4.50% / low 3.82%
- Oct 4, 20264.50%▲ from 3.82%
- Sep 14, 20263.82%first recorded
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
Traditional IRA Certificates - 60 Months
$500
4.50%
▲ 1.47% above Virginia avg
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.03%▲ 1.47% above avgNationally 2.91%
Details
Minimum balance of $500 required; Dividends compounded daily and credited monthly; Penalties apply for early withdrawal; Membership required; IRA Certificates(Traditional, Roth, SEP and Coverdell ESA)
Rate History
No change since Oct 8, 2026 · 4.50% APY · checked 2 times
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
5 Year IRA Traditional & Roth CD
$500
4.50%
▲ 1.47% above Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.03%▲ 1.47% above avgNationally 2.91%
Details
Rate History
1 change since Sep 21, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 13, 20264.50%▲ from 4.00%
- Sep 21, 20264.00%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
60 Month Regular CD
$500
4.50%
▲ 1.47% above Virginia avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.03%▲ 1.47% above avgNationally 2.91%
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%
▲ 1.37% above Virginia avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Virginia Average3.03%▲ 1.37% above avgNationally 2.91%
Details
Special Rate (APY)
Rate History
No change since Oct 12, 2026 · 4.40% APY
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
60 Month Share Certificate
$100,000
4.40%
▲ 1.37% above Virginia avg
▼
Rate4.31%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.03%▲ 1.37% above avgNationally 2.91%
Details
Rate Effective Date: October 12, 2026
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%
▲ 1.27% above Virginia avg
▼
Rate4.21%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Virginia Average3.03%▲ 1.27% above avgNationally 2.91%
Details
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
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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.
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Virginia Beach, VA CD Rate Trends
Compare local Virginia Beach, 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
3.056%
▲ 0.005 vs 7 days ago
Virginia 12-month CD rates rose 0.005 points over the past 7 days to 3.056% APY.
6-Month CD VA Avg
2.674%
▲ 0.019 vs 7 days ago
Virginia 6-month CD rates rose 0.019 points over the past 7 days to 2.674% APY.
As of Oct 14, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered byMonitorBankRates
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
3.056%
6-Month Forecast
3.056%
Range: 2.86%, 3.21%
12-Month Forecast
3.306%
Range: 3.11%, 3.46%
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What Your Savings Earn at VA CD Rates Today
Annual interest earnings at today’s Virginia average APYs. State average used where available; national average as fallback.
| CD Term | VA Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.652% | $82.60 | $165.20 | $413.00 | $826.00 |
| 6-Month CD | 2.674% | $133.69 | $267.37 | $668.43 | $1,336.85 |
| 12-Month CD | 3.056% | $152.78 | $305.56 | $763.90 | $1,527.80 |
| 18-Month CD | 3.120% | $156.02 | $312.03 | $780.07 | $1,560.15 |
| 24-Month CD | 2.929% | $146.45 | $292.90 | $732.25 | $1,464.50 |
| 36-Month CD | 2.896% | $144.82 | $289.64 | $724.10 | $1,448.20 |
| 48-Month CD | 2.855% | $142.76 | $285.52 | $713.80 | $1,427.60 |
| 60-Month CD | 3.033% | $151.64 | $303.28 | $758.20 | $1,516.40 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 14, 2026. | |||||
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Sample CD Ladder for Virginia Beach, 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 | 1.652% | $82.60 |
| 2 | 6-Month CD | $5,000 | 2.674% | $133.69 |
| 3 | 12-Month CD | $5,000 | 3.056% | $152.78 |
| 4 | 24-Month CD | $5,000 | 2.929% | $146.45 |
| 5 | 36-Month CD | $5,000 | 2.896% | $144.82 |
| Total ($25,000 invested) | $25,000 | 2.641% blended | $660.34/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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1,531
CD Rates
Tracked in Virginia Beach, Virginia
Tracked in Virginia Beach, Virginia
30 Banks
61 Credit Unions
About Our Virginia Beach, Virginia CD Rate Database
MonitorBankRates tracks 1,531 CD rates from 30 banks and 61 credit unions with locations in Virginia Beach, 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: Beach Municipal Federal Credit Union offers a CD at 5.00% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Virginia Beach, Virginia.
How to Find the Best CD Rates in Virginia Beach, Virginia
What to compare when shopping for a CD in Virginia Beach, Virginia
To find the best APYs in Virginia Beach, Virginia, start with credit unions and online-only banks: Virginia Beach, 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 Virginia Beach, 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 Virginia Beach, Virginia: 91 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Virginia Beach, 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 Virginia Beach, Virginia money market rates
Virginia Beach, Virginia Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
15.9%
National avg: 17.3%
Median Individual Earnings
$48,905
National avg: $47,340
Poverty Rate
8.6%
National avg: 11.1%
Unemployment Rate
3.6%
National avg: 4.8%
CD Earnings on 10% of Salary
$149/yr
At VA 12-mo avg 3.056% APY
15.9% of residents are 65 or older, below the national average of 17.3%; a low unemployment rate of 3.6% reflects a strong local economy. At today’s VA 12-month CD average of 3.056%, saving 10% of the local median salary ($4,890/year) and putting it in a CD would earn an additional $149 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 Virginia Beach, 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 Virginia Beach, 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 Virginia Beach, 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 Virginia Beach, Virginia as everywhere in the U.S.
Choosing a CD Term in Virginia Beach, 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 Virginia Beach, Virginia savers easier access to their funds. For example, Chartway Credit Union is offering its 6-Month Promo Certificate at 4.30% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Beach Municipal Federal Credit Union is offering its 60 Month Youth Share Certificate at 5.00% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Virginia Beach, 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 Virginia Beach, 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 Virginia Beach, 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 Virginia Beach, 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 Virginia Beach, Virginia
Most CDs carry a fixed rate that is locked for the entire term, protecting a Virginia Beach, 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 Virginia Beach, Virginia
Are CD rates in Virginia Beach, Virginia FDIC insured?
Yes, most established banks in Virginia Beach, 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 Virginia Beach, 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 Virginia Beach, 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 Virginia Beach, 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 Virginia Beach, Virginia?
Here are recent top rates found for this area:
- Beach Municipal Federal Credit Union: 5.00% APY (60 Month Youth Share Certificate)
- Navy Federal Credit Union: 4.35% APY (12 Month Special EasyStart Certificate)
- Chartway Credit Union: 4.30% APY (6-Month Promo Certificate)
- Langley Federal Credit Union: 4.11% APY (60 Month Fixed Rate Certificate)
- Blue Ridge Bank National Association: 4.05% APY (12 Month Golden Advantage Certificate of Deposits and Specials)
- ABNB Federal Credit Union: 3.90% APY (IRA Certificate - 60 Months (Reg/Roth/Educ))
- Baxter Credit Union: 3.80% APY (18 Month CD Specials - Regular)
- Pentagon Federal Credit Union: 3.40% APY (5 Year IRA Certificate)
- Dollar Bank, Federal Savings Bank: 3.35% APY (60 Month Relationship CD)
- Truist: 3.25% APY (CD - 12-Month Special Rate)
Rates reflect recent verified offers available in Virginia Beach, Virginia. Last Updated: October 14, 2026
Virginia Beach, 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 Virginia Beach, 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 Virginia Beach, Virginia
Virginia Beach, Virginia CD Calculator
At today’s VA top rate of 5.00% APY, a $10,000 deposit earns $500 in the first year. Enter your amount to see your exact return.
Virginia Beach, Virginia CD LadderVA CD rates currently range from 1.652% (3-month) to 2.896% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Virginia Beach, Virginia CD at 5.00% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsVirginia’s average 12-month CD is 3.056% 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 Virginia Beach, 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 Virginia Beach, 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 Virginia Beach, 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 14, 2026
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