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Certificate of Deposits - CDs

Featuring flexible terms and guaranteed returns, our eCD provides you with the ability to earn competitive interest rates without being concerned about losing principal balances on the investment. As with any CD, a penalty applies for early withdrawal. Review full rates and terms below for details.*

Featured Perks of a VirtualBank eCD:
  • Low minimum deposit to open ($10,000)
  • Guaranteed returns
  • Multiple term options
  • Automatic renewal at maturity
  • Free Online & Mobile Banking 
CD term Interest Rate Paid Annual Percentage Yield*
1 Month 0.10% 0.10% Open Now
2 Month 0.15% 0.15% Open Now
3 Month 0.15% 0.15% Open Now
6 Month 0.20% 0.20% Open Now
9 Month 0.30% 0.30% Open Now
12 Month 0.30% 0.30% Open Now
18 Month 0.30% 0.30% Open Now
24 Month 0.40% 0.40% Open Now
36 Month
0.45% 0.45% Open Now
48 Month 0.45%
0.45% Open Now
60 Month 0.55% 0.55% Open Now
If you prefer to mail in an application, click here to download the PDF.

eCD Trust Accounts are available.
Please contact VirtualBank Customer Service at (877) 998-2265, Monday - Friday: 8:30AM to 5:30PM ET.

*The interest rates and Annual Percentage Yields (APY) are subject to change daily without notice. Interest will be compounded daily and added back to principal every quarter (3 months). Penalty may be imposed for early withdrawal of CDs. Fees are subject to change and may reduce earnings; please refer to the most current Rate and Fee Schedule for more information.