What are the best credit unions' CD rates in Richmond, VA? This question is about CD Rates

The best credit union CD rate in Richmond, VA may depend on the CD term you choose. With term lengths ranging from 3 months to 5 years, here's a breakdown of the best offers by available terms, allowing you to pick the CD that aligns best with your goals and timeline: 3-Month: GECU CD has 4.22% APY. Minimum opening deposit of $2,500. 6-Month: Centric Federal Credit Union CD has 3.95% APY. Minimum opening deposit of $1,000. 1-Year: Elements Financial CD offer a 4.13% APY. Minimum opening deposit of $1,000. 2-Year: Elements Financial CD has a 4.13% APY. Minimum opening deposit of $1,000. 3-Year: Geauga Credit Union CD with a 4.07% APY. Minimum opening deposit of $500. 5-Year: Lafayette Federal Credit Union CD offer 3.56% APY. Minimum opening deposit of $500. It's important to note that these rates may change without prior notice. For the most up-to-date information, please refer to the credit unions websites. You can check the best CD rates available for you, compare and review the terms and conditions before opening any account.

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What are the best credit unions' CD rates in Richmond, VA?

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This question is about CD Rates

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Ramses Delgado, Banking Moderator

@ramses_delgado1 • 11/26/25

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The best credit union CD rate in Richmond, VA may depend on the CD term you choose. With term lengths ranging from 3 months to 5 years, here's a breakdown of the best offers by available terms, allowing you to pick the CD that aligns best with your goals and timeline:

3-Month: GECU CD has 4.22% APY. Minimum opening deposit of $2,500.
6-Month: Centric Federal Credit Union CD has 3.95% APY. Minimum opening deposit of $1,000.
1-Year: Elements Financial CD offer a 4.13% APY. Minimum opening deposit of $1,000.
2-Year: Elements Financial CD has a 4.13% APY. Minimum opening deposit of $1,000.
3-Year: Geauga Credit Union CD with a 4.07% APY. Minimum opening deposit of $500.
5-Year: Lafayette Federal Credit Union CD offer 3.56% APY. Minimum opening deposit of $500.

It's important to note that these rates may change without prior notice. For the most up-to-date information, please refer to the credit unions websites. You can check the best CD rates available for you, compare and review the terms and conditions before opening any account.

This answer was last updated on 11/26/25 and it was first published on 07/07/25. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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What are the best credit unions' CD rates in Richmond, VA?

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