Current CD Rates from Virtual Bank

The national average CD rates are very low these days but Virtual Bank is advertising some of the best CD rates available. Virtual Bank is offering several different types of CD rates. The bank is currently advertising their Regular CD rates, their eCD rates and their Institutional CD rates. The minimum opening certificate of deposit balance is $10,000 for all CD accounts at Virtual Bank. 

The bank is also featuring a 3 month eCD rate. The current 3 month CD rate is better than most 6 month CD rates available right now. The current 3 month eCD rate is 0.70 percent with an annual percentage yield of 0.70 percent.

The bank's highest CD rates are on their eCD rates. On average the eCD rates are 0.05 to 0.10 percent higher than the regular CD rates. The lowest CD rates are on the bank’s Institutional CD rates.

To give you an idea of the difference in CD rates. The bank's 12 month eCD rate is currently at 1.40 percent. The bank's Institutional CD rate is only 0.90 percent, a difference of 50 basis points. The difference in 5 year CD rates is even greater. Current 5 year eCD rates are at 2.70 percent, 5 year Institutional CD rates are at 1.95 percent.

Regular CD Rates

• 1 Month CD Rates 0.30% APY 0.30%


• 2 Month CD Rates 0.35% APY 0.35%


• 3 Month CD Rates 0.60% APY 0.60%


• 6 Month CD Rates 0.90% APY 0.90%


• 9 Month CD Rates 0.90% APY 0.90%


• 12 Month CD Rates 1.30% APY 1.31%


• 18 Month CD Rates 1.30% APY 1.31%


• 2 Year CD Rates 1.60% APY 1.61%


• 3 Year CD Rates 1.95% APY 1.97%


• 4 Year CD Rates 2.25% APY 2.28%


• 5 Year CD Rates 2.60% APY 2.63%

eCD Rates

• 1 Month CD Rates 0.35% APY 0.35%


• 2 Month CD Rates 0.40% APY 0.40%


• 3 Month CD Rates 0.70% APY 0.70%


• 6 Month CD Rates 1.00% APY 1.01%


• 9 Month CD Rates 1.00% APY 1.o1%


• 12 Month CD Rates 1.40% APY 1.41%


• 18 Month CD Rates 1.40% APY 1.41%


• 2 Year CD Rates 1.70% APY 1.71%


• 3 Year CD Rates 2.05% APY 2.07%


• 4 Year CD Rates 2.35% APY 2.38%


• 5 Year CD Rates 2.70% APY 2.73%

Institutional CD Rates

• 1 Month CD Rates 0.20% APY 0.20%


• 2 Month CD Rates 0.25% APY 0.25%


• 3 Month CD Rates 0.55% APY 0.55%


• 6 Month CD Rates 0.70% APY 0.70%


• 9 Month CD Rates 0.70% APY 0.70%


• 12 Month CD Rates 0.90% APY 0.90%


• 18 Month CD Rates 0.95% APY 0.95%


• 2 Year CD Rates 1.25% APY 1.26%


• 3 Year CD Rates 1.40% APY 1.41%


• 4 Year CD Rates 1.55% APY 1.56%


• 5 Year CD Rates 1.95% APY 1.97%

For a current list of Virtual Bank’s CD interest rates visit virtualbank.com. To compare bank CD rates and credit union CD rates from several financial institutions visit MonitorBankRates.com.