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Online CD Rates for eCD Accounts

These rates and Annual Percentage Yields apply only to our online CD accounts (eCDs).
e C D term Interest Rate A P Y* Minimum to Open
1 Month 0.15% 0.15% $10,000 Apply Now
2 Month 0.15% 0.15% $10,000 Apply Now
3 Month 0.82% 0.82% $10,000 Apply Now
6 Month 1.10% 1.11% $10,000 Apply Now
9 Month 1.15% 1.16% $10,000 Apply Now
12 Month 1.45% 1.46% $10,000 Apply Now
18 Month 1.50% 1.51% $10,000 Apply Now
2 Year 1.60% 1.61% $10,000 Apply Now
3 Year 1.65% 1.66% $10,000 Apply Now
4 Year 1.77% 1.78% $10,000 Apply Now
5 Year 2.20% 2.22% $10,000 Apply Now
* Annual Percentage Yield (APY) is offered as of  EST. Penalty may be imposed for early withdrawal of eCDs. Interest is compounded and credited monthly. Fees may reduce earnings. Rates and offers subject to change without notice.

eCD Features

  • FDIC Insured
  • Paperless account - disclosures and statements are provided online
  • Notices and alerts can be emailed or sent via text message - it's your choice
  • Transactions are done by electronic direct transfer between your eCD and connected personal checking account
  • Free monthly transfers of interest from your eCD to your connected personal checking account
  • Competitive rates
  • Free online statements after you elect to receive them electronically
  • Secure online access to your account

Opening an eCD in 4 easy steps

  • Step 1: Complete our online certificate of deposit application and provide certain information about yourself and any joint owner. To fund the eCD quickly and electronically, we will need your personal checking account number, bank name and routing number. You can choose to connect the eCD to any checking account, including one at VirtualBank.
  • Step 2: We'll send two small deposit amounts to your personal checking account. You then review your checking account transactions to verify these deposits.
  • Step 3: Let us know you received both deposits and verify the amounts online.
  • Step 4: Then we'll electronically transfer the opening deposit from your connected checking account.

Apply Now

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