Virginia

Image Courtesy: www.pixabay.com

Credit Union CD Rates Virginia

You are viewing rates from credit unions across Virginia





Below are the best one year CD Rates from credit unions in Virginia. One year CDs are usually the most popular term and offer a decent yield without having to lock-up money for an extended period of time. One year CD Rates are generally comparable to or a little higher than their savings and money market counterparts.

VA - July 30, 2025

1 Year CD National Average : 0.55% ?

Credit Unions APY MIN MILES ?

Rate History: 5.23% → 2.99% → 5.10% → 5.35%

Rate History: 5.10% → 5.00%

Rate History: 4.60% → 5.00% → 4.90% → 4.80%

Rate History: 5.09% → 4.32% → 4.16% → 4.18% → 4.33%

Rate History: 3.70% → 4.30%

Rate History: 4.58% → 4.48% → 4.43% → 4.33% → 4.28%

| Aug 14, 2023

Staff customer service very poor. Long wait times due to limited staffing. Read More

Rate History: 4.85% → 4.59% → 4.64% → 4.54% → 4.26%

Rate History: 3.50% → 4.25%

Rate History: 4.58% → 4.47% → 4.37% → 4.27% → 4.16%

Rate History: 4.35% → 4.75% → 4.50% → 4.25% → 4.15%

Rate History: 4.54% → 4.28% → 4.54% → 4.50% → 4.13%

Rate History: 4.60% → 4.50% → 4.45% → 4.40% → 4.10%

Rate History: 4.71% → 4.50% → 4.39% → 3.87% → 4.08%

| Dec 30, 2018

Best financial institution in NC. Highest rates on savings and is involved with helping their customers and the communities they operate in. Read More

Rate History: 4.85% → 4.75% → 4.35% → 4.15% → 4.05%

| Feb 25, 2023

HORRIBLE SERVICE. My son's campus checking account was hacked and over $9000 was stolen. Fraud department was impossible to reach and we waited on phone several days for over 2 hours at a time. They too... Read More

Rate History: 5.00% → 4.75% → 4.40% → 4.00% → 4.02%

Rate History: 5.00% → 4.95% → 4.85% → 4.75% → 4.00%

Rate History: 4.00% → 3.75% → 4.00%

Rate History: 4.55% → 4.39% → 4.18% → 3.82% → 3.67%

Rate History: 3.51% → 3.56%

Rate History: 4.50% → 4.00% → 3.80% → 3.65% → 3.40%

| Dec 25, 2023

I joined in PENFED in Spring Of 2023 after 15 yrs of belonging to one of the banking giants. I found my accounts dwindling fast unexplained decreases. I decided to close the account but had to return a mer... Read More

Rate History: 2.55% → 3.10%

| May 12, 2016

19 what, years or months Read More

Rate History: 4.76% → 4.24% → 3.98% → 3.52% → 2.18%

| Dec 14, 2022

Agree with Jaben to stay away from docfcu. They don't appreciate loyal members and easily turn down any requests after a delayed response. I have closed my accounts and moved my funds to better institutio... Read More

Rate History: 3.50% → 4.00% → 3.70% → 3.60% → 1.65%

1.00%

$500

-

Learn More

0.95%

$100,000

-

Learn More

| Mar 12, 2023

Is this credit union still open? If it is it’s not relevant to the military in general. I dropped this credit union for poor customer service, and poor loan and dividend rates. Just compare their rates... Read More

0.90%

$10,000

-

Learn More

0.90%

$10,000

-

Learn More

| Mar 12, 2023

Is this credit union still open? If it is it’s not relevant to the military in general. I dropped this credit union for poor customer service, and poor loan and dividend rates. Just compare their rates... Read More

0.80%

$10,000

-

Learn More

0.80%

$10,000

-

Learn More

| Jan 14, 2021

Decent bank, good place for vehicle loans. Above average service on checking account, limited places to withdraw cash with ATM card and avoid fees. Avoid their home mortgage department, they are slow - t... Read More

0.77%

$10,000

-

Learn More

0.75%

$10,000

-

Learn More

0.75%

$10,000

-

Learn More

0.75%

$10,000

-

Learn More

0.75%

$10,000

-

Learn More

0.75%

$10,000

-

Learn More

0.75%

$10,000

-

Learn More

0.70%

$10,000

-

Learn More

Sharepoint


Restrictions

0.70%

$500

-

Learn More

0.70%

$5,000

-

Learn More

0.65%

$10,000

-

Learn More

0.60%

$100,000

-

Learn More

| Feb 21, 2023

I chose NSWFCU ( now Topside) for a personal account in 2012 as a school social worker in King George County. I again chose NSWFCU for a business account in 2017 when I opened up a private practice to pro... Read More

0.60%

$1,000

-

Learn More

0.60%

$100,000

-

Learn More

0.60%

$10,000

-

Learn More

0.55%

$500

-

Learn More

0.55%

$10,000

-

Learn More

0.55%

$10,000

-

Learn More

0.55%

$10,000

-

Learn More

0.50%

$10,000

-

Learn More

0.50%

$10,000

-

Learn More

0.50%

$10,000

-

Learn More

0.50%

$10,000

-

Learn More

0.50%

$10,000

-

Learn More

0.50%

$10,000

-

Learn More

0.50%

$10,000

-

Learn More

0.45%

$10,000

-

Learn More

0.45%

$1,000

-

Learn More

0.45%

$10,000

-

Learn More

0.40%

$100,000

-

Learn More

0.35%

$500

-

Learn More

0.35%

$10,000

-

Learn More

| Nov 11, 2022

It would be great to hear back from someone regarding my bump-up rate currently available, BEFORE 18 days has passed. Still waiting. Read More

0.30%

$10,000

-

Learn More

0.30%

$10,000

-

Learn More

0.30%

$100,000

-

Learn More

0.25%

$10,000

-

Learn More

0.25%

$10,000

-

Learn More

0.20%

$10,000

-

Learn More

0.20%

$10,000

-

Learn More

0.15%

$10,000

-

Learn More

Edu


Restrictions

0.10%

$500

-

Learn More
All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

Branches Info around zip 10116


Branch Street City State
COMMONWEALTH ONE
Commonwealth One Commonwealth One Branch
4875 Eisenhower Avenue Alexandria VA
ANDREWS FEDERAL CREDIT UNION
West Springfield West Springfield Branch
8410 Old Keene Mill Rd Springfield VA
AGRICULTURE
Agriculture Agriculture Branch
3101 Park Center Drive, Suite 302 Alexandria VA
ANDREWS FEDERAL CREDIT UNION
West Springfield West Springfield Branch
8410 Old Keene Mill Rd Springfield VA
NEXTMARK
Fairfax County Fairfax County Branch
4201 Members Way Fairfax VA
APPLE
Apple Apple Branch
4029 Ridge Top Road Fairfax VA
COMMONWEALTH ONE
Commonwealth One Commonwealth One Branch
4875 Eisenhower Avenue Alexandria VA
LAFAYETTE
Falls Church Service Center Falls Church Service Center Branch
3141 Fairview Park Dr Falls Church VA
EASTMAN
Eastman Eastman Branch
125 Jones Street Gate City VA
VIRGINIA CREDIT UNION, INC.,
Virginia Credit Unio Virginia Credit Unio Branch
7500 Boulders View Drive Richmond VA
LAFAYETTE
Falls Church Service Center Falls Church Service Center Branch
3141 Fairview Park Dr Falls Church VA
NORTHROP GRUMMAN
Northrop Grumman Northrop Grumman Branch
4801 Stonecroft Blvd Chantilly VA
CHARTWAY
Ff South Independence Ff South Independence Branch
2058 S Independence Blvd Virginia Beach VA
EASTMAN
Eastman Eastman Branch
125 Jones Street Gate City VA
STATE DEPARTMENT
State Department State Department Branch
1630 King Street Alexandria VA
LANGLEY
Langley Langley Branch
721 Lakefront Commons, Suite 400 Newport News VA
DEPARTMENT OF THE INTERIOR
Department Of The In Department Of The In Branch
12201 Sunrise Valley Dr MS 700 Reston VA
NASA
Falls Church Falls Church Branch
1130 W Broad St Falls Church VA
NORTHROP GRUMMAN
Northrop Grumman Northrop Grumman Branch
4801 Stonecroft Blvd Chantilly VA
SELF-HELP
Galax Galax Branch
305 S Railroad Ave Galax VA
VIRGINIA CREDIT UNION, INC.,
Virginia Credit Unio Virginia Credit Unio Branch
7500 Boulders View Drive Richmond VA
STATE DEPARTMENT
State Department State Department Branch
1630 King Street Alexandria VA
NAVY FEDERAL CREDIT UNION
Navy Federal Credit Navy Federal Credit Branch
820 FOLLIN LANE VIENNA VA
SIGNATURE
Napus Napus Branch
12 Herbert Street Alexandria VA
HANSCOM
Hanscom Hanscom Branch
MITRE Building 2, 7515 Colshire Drive McLean VA
NASA
Falls Church Falls Church Branch
1130 W Broad St Falls Church VA
NAVY FEDERAL CREDIT UNION
Navy Federal Credit Navy Federal Credit Branch
820 FOLLIN LANE VIENNA VA
VIRGINIA CREDIT UNION, INC.,
Virginia Credit Unio Virginia Credit Unio Branch
7500 Boulders View Drive Richmond VA
VIRGINIA CREDIT UNION, INC.,
Virginia Credit Unio Virginia Credit Unio Branch
7500 Boulders View Drive Richmond VA
COMMONWEALTH ONE
Commonwealth One Commonwealth One Branch
4875 Eisenhower Avenue Alexandria VA
UNITED STATES SENATE
United States Senate United States Senate Branch
2750 Eisenhower Ave Alexandria VA
AGRICULTURE
Agriculture Agriculture Branch
3101 Park Center Drive, Suite 302 Alexandria VA
CORPORATE AMERICA FAMILY
Corporate America Fa Corporate America Fa Branch
13075 Worldgate Drive Herndon VA
UNITED STATES SENATE
United States Senate United States Senate Branch
2750 Eisenhower Ave Alexandria VA
CORPORATE AMERICA FAMILY
Corporate America Fa Corporate America Fa Branch
13075 Worldgate Drive Herndon VA
UNITED STATES SENATE
United States Senate United States Senate Branch
2750 Eisenhower Ave Alexandria VA
DEPARTMENT OF THE INTERIOR
Department Of The In Department Of The In Branch
12201 Sunrise Valley Dr MS 700 Reston VA
PENTAGON
Pentagon Pentagon Branch
2930 EISENHOWER AVE ALEXANDRIA VA
TRULIANT
Truliant Truliant Branch
135 E MARKET ST MARTINSVILLE VA
TRULIANT
Truliant Truliant Branch
135 E MARKET ST MARTINSVILLE VA
TRULIANT
Truliant Truliant Branch
135 E MARKET ST MARTINSVILLE VA
TRULIANT
Truliant Truliant Branch
135 E MARKET ST MARTINSVILLE VA
UNIFY FINANCIAL
Western Western Branch
Northrop Grumman, 12900 Federal Systems Park Drive Fairfax VA
UNIFY FINANCIAL
Western Western Branch
Northrop Grumman, 12900 Federal Systems Park Drive Fairfax VA
UNIFY FINANCIAL
Western Western Branch
Northrop Grumman, 12900 Federal Systems Park Drive Fairfax VA
ARGENT
Dupont Fibers Dupont Fibers Branch
11651 Alliance Circle Chester VA
ABNB
Abnb Abnb Branch
830 Greenbrier Circle Chesapeake VA
MARINE
Marine Marine Branch
964 Bragg Rd. Fredericksburg VA
MEMBER ONE
Member One Member One Branch
202 4th Street NE Roanoke VA
ABNB
Abnb Abnb Branch
830 Greenbrier Circle Chesapeake VA
MARINE
Marine Marine Branch
964 Bragg Rd. Fredericksburg VA
MOUNTAIN EMPIRE
Mountain Empire Mountain Empire Branch
1413 N MAIN STREET MARION VA
BLUE EAGLE
Oak Grove Oak Grove Branch
2121 Electric Rd Roanoke VA
DOMINION ENERGY CREDIT UNION
Dominion Credit Unio Dominion Credit Unio Branch
701 East Cary Street Richmond VA
BEACH MUNICIPAL
Beach Municipal Beach Municipal Branch
4164 Virginia Beach Blvd Virginia Beach VA
BRONCO
Godwin Blvd Office Godwin Blvd Office Branch
3075 Godwin Blvd Suffolk VA
SIGNAL FINANCIAL
Signal Financial Signal Financial Branch
5510 Cherokee Avenue, Suite 130 Alexandria VA
HEALTHCARE SYSTEMS
Healthcare Systems Healthcare Systems Branch
3300 Gallows Road Falls Church VA
TOGETHER
Anheuser-busch Emplo Anheuser-busch Emplo Branch
243 Mclaws Circle Suite 100 Williamsburg VA
PARTNERS FINANCIAL
Partners Financial Partners Financial Branch
1200 New York AVE Glen Allen VA
UNITED SOUTHEAST
United Southeast United Southeast Branch
1060 West Main Street, Suite 1 Abingdon VA
HAMPTON ROADS EDUC CREDIT UNION INC
Hampton Roads Educ C Hampton Roads Educ C Branch
2130 Cunningham Dr Hampton VA
HENRICO
Henrico Henrico Branch
9401 W Broad St Henrico VA
GEICO
Geico Geico Branch
ONE GEICO BOULEVARD FREDERICKSBURG VA
JUSTICE
Justice Justice Branch
5175 Parkstone Drive Suite 200 Chantilly VA
TOPSIDE
Nswc Nswc Branch
17442 Dahlgren Rd Dahlgren VA
INTOUCH
Sterling Sterling Branch
46910 Community Plz Sterling VA
EVERENCE
Mennonite Financial Mennonite Financial Branch
841 Mount Clinton Pike STE B Harrisonburg VA
FREEDOM FIRST
Freedom First Freedom First Branch
5240 VALLEYPARK DRIVE ROANOKE VA
JACKSON RIVER COMMUNITY
Weccu Credit Union Weccu Credit Union Branch
347 North Court Ave Covington VA
DUPONT COMMUNITY
Dupont Community Dupont Community Branch
140 Lucy Lane Waynesboro VA
CALL
Call Call Branch
4605 Commerce Road Richmond VA
SALEM VA MEDICAL CENTER
Salem Va Medical Cen Salem Va Medical Cen Branch
1970 Roanoke Blvd, Bldg 77, Rm 12 Salem VA
JUSTICE
Justice Justice Branch
5175 Parkstone Drive Suite 200 Chantilly VA
UNIVERSITY OF VA COMMUNITY CU
University Of Va Com University Of Va Com Branch
3300 Berkmar Drive Charlottesville VA
EVERENCE
Mennonite Financial Mennonite Financial Branch
841 Mount Clinton Pike STE B Harrisonburg VA
1ST ADVANTAGE
Commons Way Branch Commons Way Branch
224 Commons Way Williamsburg VA
APPALACHIAN COMMUNITY
Appalachian Communit Appalachian Communit Branch
1448 Park Ave N. W. Norton VA
NORTHERN STAR CREDIT UNION, INC.
Northern Star Credit Northern Star Credit Branch
5100 George Washington Hwy Portsmouth VA
VALLEYSTAR
Martinsville Dupont Martinsville Dupont Branch
35 Dupont Road Martinsville VA
HENRICO
Henrico Henrico Branch
9401 W Broad St Henrico VA
WJC
C. M. C. M. Branch
22364 JEB Stuart Highway Damascus VA
N A E
N A E N A E Branch
3601 Indian River Road Chesapeake VA
CENTRAL VIRGINIA
Central Virginia Central Virginia Branch
1638 Mt. Athos Road Lynchburg VA
BayPort CU
Bayport Credit Union Bayport Credit Union Branch
11820 Fountain Way, Suite 400 Newport News VA
BEACON CREDIT UNION, INCORPORATED
Beacon Credit Union, Beacon Credit Union, Branch
6320 Logans Lane Lynchburg VA
GENERAL ELECTRIC EMPLOYEES
General Electric Emp General Electric Emp Branch
3100 Albert Lankford Drive Lynchburg VA
ROANOKE VALLEY COMMUNITY
Roanoke Valley Roanoke Valley Branch
723 5th Street, NE Roanoke VA
ROANOKE VALLEY COMMUNITY
Roanoke Valley Roanoke Valley Branch
723 5th Street, NE Roanoke VA
URW COMMUNITY
Arnett Branch Arnett Branch
539 Arnett Blvd Danville VA
VIRGINIA BEACH SCHOOLS
Virginia Beach Schoo Virginia Beach Schoo Branch
3701 Bonney Road Virginia Beach VA
N A E
N A E N A E Branch
3601 Indian River Road Chesapeake VA
PARTNERS 1ST
Partners 1st Partners 1st Branch
304 Maryland Ave Shenandoah VA


BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

PRODUCT INFORMATION

Credit Union One-Year Certificates of Deposit 2025

Credit union certificates of deposit (“CDs”, also commonly called “time deposits” at credit unions) are contract-based and time-based savings vehicles that are offered by credit unions. In return for agreeing to keep your money tied up with the credit union for a given time period (in the case of 1-year CDs, the period is obviously 1-year), you earn a fixed rate or return that cannot change over the course of that period. Should you need your money before the expiration of the contractual period, the penalties for early withdrawal can be severe. Not all credit unions even offer early withdrawal, and many that do maintain the right to deny it in their terms and conditions. It therefore is important to fully understand the terms of any time-based deposit that you enter with a credit union.

Many Americans enjoy performing their banking transactions with credit unions citing better rates, non-profit status (owned by its depositors), more helpful employees, and a commitment to the community that is above the level offered by local banks. You will find a map with all credit unions that are close to you here. It is important to note that some credit unions have limited fields of membership, although others are more open ended. Under any circumstance, you must meet the membership requirements in order to become a member and open a CD or time deposit.

Those who are willing to tie up their money for one year will often get a slight premium over the best available savings rates. People who work with credit unions may find that they offer better rates on 1-year CDs or time deposits than local banks and online banks. You however should check the local bank rates where you live here and the online rates here.

To understand all of the income generating options available to a saver, please view the  Income Generating Investments Comparison Chart.

NCUA Insurance

Most, but not all, credit unions listed on BestCashCow are insured by the National Credit Union Administration (NCUA). You should confirm that the credit union that you are working with is NCUA-insured by visiting that institution’s BestCashCow page (NCUA coverage is detailed on the overview tab). The NCUA insures each named individual's deposits to $250,000 for all accounts at the credit union within ownership class. The rules are very similar, but not identical, to those for FDIC insurance. You should always stay within NCUA insurance limits.

BestCashCow strongly recommends that you deposit money only in NCUA insured credit unions and that you stay within insured limits. If you are considering depositing over $250,000 at a single NCUA-insured credit union across products (share certificates, time deposits, etc.) or across types of ownership (individual, joint, etc.) you should use the NCUA’s  Share Insurance Toolkit in order to be sure that you are not exceeding coverage limits.

FREQUENTLY ASKED QUESTIONS ABOUT CREDIT UNIONS

Is my money any less safe at a credit union?

As long as your credit union is NCUA insured and you stay within the NCUA limits, As long as your credit union is NCUA insured and you stay within the NCUA limits, your money is no less safe than it would be in an FDIC-insured bank.

Is there any difference between a time deposit offered by a credit union and a CD account offered by a bank?

The difference is mainly one of terminology. But, you should always completely understand the terms of a time deposit or CD before you enter it, paying careful attention to the early withdrawal penalties. A reasonable early withdrawal penalty for a 1-year time deposit is 3 months.

Does the small amount of interest gained on a time deposit make sense given the fact that I am losing access to my capital (liquidity)?

This is a decision that depends on your own specific circumstances, your needs for cash, and other investments that you may wish to pursue over the next 12 months (or the period of your time deposit or CD). The premium in a one-year CD is very small, however, a small difference in compounding interest can make a large difference over long period of time. You may wish to familiarize yourself with our Savings Booster Calculator in order to understand the importance of compounding interest at higher rates on your money over time.

SAVINGS & CD CALCULATOR

Find out how much extra money you can earn by moving your bank money into an account that pays more.

Use or Change these Amounts And Rates