Best Special Rates and Terms in Emporia, Virginia, VA

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Below are special Certificate of Deposit special rates and terms from banks in Emporia, Virginia. Special CD offers can change weekly so check back frequently for updates. You can also view specials for banks in your local area or for credit unions in your area.

Emporia, VA - November 7, 2026

What is the best special CD rate in Emporia, VA?

As of November 7, 2026, the highest special CD rate from a bank in Emporia, VA is 4.00% APY from First-Citizens Bank & Trust Company (minimum deposit $5,000). The best rate with a $1,000 minimum or less is 3.60% APY from Atlantic Union Bank (minimum deposit $1,000). The table below ranks every special CD listed for this area. Rates change frequently, so check back for the latest numbers.

Bank	APY	MIN	PERIOD
First-Citizens Bank & Trust Company Lawrenceville Branch	4.00%	$5,000	5 months	Learn More Reviews (3)
Rate History: 3.65% → 3.55% → 3.45% → 2.50% → 4.00%
Bank of America, National Association Bank Of America, National Association Branch	3.80% 3.51% 3.51%	$100,000 $10,000	7 months	Learn More Reviews (7)
Rate History: 3.75% → 3.51% → 3.25% → 3.80% → 3.80%
First-Citizens Bank & Trust Company Lawrenceville Branch	3.75%	$5,000	11 months	Learn More Reviews (3)
Atlantic Union Bank Emporia Branch	3.60%	$1,000	3 months	Learn More Reviews (2)
Rate History: 1.00% → 5.00% → 3.80% → 3.60%
Atlantic Union Bank Emporia Branch	3.50%	$1,000	6 months	Learn More Reviews (2)
Rate History: 1.00% → 5.00% → 4.50% → 3.50%
Atlantic Union Bank Emporia Branch	3.40%	$1,000	13 months	Learn More Reviews (2)
Rate History: 5.00% → 4.75% → 3.75% → 3.50% → 3.40%
CIT Bank, a division of First-Citizens Bank and Trust	3.25%	$1,000	13 months	Learn More Reviews (33)
Rate History: 3.50% → 3.35% → 3.25%
Bank of America, National Association Bank Of America, National Association Branch	2.95%	$10,000	10 months	Learn More Reviews (7)
Rate History: 3.70% → 3.45% → 3.20% → 2.95% → 2.95%
Bank of America, National Association Bank Of America, National Association Branch	2.00%	$10,000	13 months	Learn More Reviews (7)
Rate History: 2.75% → 2.50% → 2.25% → 2.00% → 2.00%
Bank of America, National Association Bank Of America, National Association Branch	1.75%	$10,000	25 months	Learn More Reviews (7)
The 12 Month Flexible CDs/IRAs will automatically renew into a 3 Month Flexible CD/IRA. Rate History: 3.20% → 3.00% → 2.00% → 1.75% → 1.75%

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 Emporia, VA - November 7, 2026

Branch	Street	City	State
First-Citizens Bank & Trust Company Lawrenceville Branch	112 East Hicks Street	Lawrenceville	VA
Bank of America, National Association Bank Of America, National Association Branch	300 North Main Street	Lawrenceville	VA
First-Citizens Bank & Trust Company Lawrenceville Branch	112 East Hicks Street	Lawrenceville	VA
Atlantic Union Bank Emporia Branch	100 Dominion Drive	Emporia	VA
Bank of America, National Association Bank Of America, National Association Branch	300 North Main Street	Lawrenceville	VA
Atlantic Union Bank Emporia Branch	100 Dominion Drive	Emporia	VA
Atlantic Union Bank Emporia Branch	100 Dominion Drive	Emporia	VA
Bank of America, National Association Bank Of America, National Association Branch	300 North Main Street	Lawrenceville	VA
Bank of America, National Association Bank Of America, National Association Branch	300 North Main Street	Lawrenceville	VA
Bank of America, National Association Bank Of America, National Association Branch	300 North Main Street	Lawrenceville	VA