Benchmark Community Bank CD Rates — October 2026
As of October 22, 2026, Benchmark Community Bank's highest tracked CD rate is 3.75% APY on a 12-month relationship CD ($500 minimum). That is 2.1 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 0.60% to 3.15% APY.
Tracking began .
With $10,000 and no relationship requirement: 3.15% on 24 months
Benchmark Community Bank CD rates
CDs from 3 to 60 months at Regular and higher Premium rates, plus a 12-month special. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 3 months | Premium Certificate of Deposit | $500 | 0.85% | −3.44% | Top 81% of tracked 3-month CDs · Verified October 22, 2026 |
| 3 months | Regular Certificate of Deposit | $500 | 0.60% | −3.69% | Top 84% of tracked 3-month CDs · Verified October 22, 2026 |
| 6 months | Premium Certificate of Deposit | $500 | 1.90% | −2.50% | Top 82% of tracked 6-month CDs · Verified October 22, 2026 |
| 6 months | Regular Certificate of Deposit | $500 | 1.50% | −2.90% | Top 86% of tracked 6-month CDs · Verified October 22, 2026 |
| 12 months | Special Rate Certificate of Deposit Relationship | $500 | 3.75% | −0.82% | Top 43% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | Premium Certificate of Deposit | $500 | 3.00% | −1.57% | Top 72% of tracked 12-month CDs · Verified October 22, 2026 |
| 12 months | Regular Certificate of Deposit | $500 | 2.00% | −2.57% | Top 82% of tracked 12-month CDs · Verified October 22, 2026 |
| 24 months | Premium Certificate of Deposit | $500 | 3.15% | −1.72% | Top 59% of tracked 24-month CDs · Verified October 22, 2026 |
| 24 months | Regular Certificate of Deposit | $500 | 2.25% | −2.62% | Top 77% of tracked 24-month CDs · Verified October 22, 2026 |
| 36 months | Premium Certificate of Deposit | $500 | 2.85% | −2.10% | Top 64% of tracked 36-month CDs · Verified October 22, 2026 |
| 36 months | Regular Certificate of Deposit | $500 | 2.15% | −2.80% | Top 75% of tracked 36-month CDs · Verified October 22, 2026 |
| 48 months | Premium Certificate of Deposit | $500 | 2.65% | −2.33% | Top 65% of tracked 48-month CDs · Verified October 22, 2026 |
| 48 months | Regular Certificate of Deposit | $500 | 1.75% | −3.23% | Top 81% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | Premium Certificate of Deposit | $500 | 2.50% | −2.51% | Top 72% of tracked 60-month CDs · Verified October 22, 2026 |
| 60 months | Regular Certificate of Deposit | $500 | 1.60% | −3.41% | Top 83% of tracked 60-month CDs · Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are Benchmark Community Bank's best CD rates by term?
Benchmark Community Bank's best rate is 3.75% APY on 12 months, verified October 22, 2026.
- 3 mo0.85%
- 6 mo1.90%
- 12 mo3.75%
- 24 mo3.15%
- 36 mo2.85%
- 48 mo2.65%
- 60 mo2.50%
How much interest could a Benchmark Community Bank CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$375.00 interest · $10,375.00 at maturity on $10,000.00.
3.75% APY · 12 months · Special Rate Certificate of Deposit · Relationship · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | $10.560.85% APY · Premium Certificate of Deposit · Standard | $21.120.85% APY · Premium Certificate of Deposit · Standard | $52.810.85% APY · Premium Certificate of Deposit · Standard | $105.620.85% APY · Premium Certificate of Deposit · Standard |
| 6 months | $47.411.90% APY · Premium Certificate of Deposit · Standard | $94.811.90% APY · Premium Certificate of Deposit · Standard | $237.031.90% APY · Premium Certificate of Deposit · Standard | $474.071.90% APY · Premium Certificate of Deposit · Standard |
| 12 months | $187.503.75% APY · Special Rate Certificate of Deposit · Relationship | $375.003.75% APY · Special Rate Certificate of Deposit · Relationship | $937.503.75% APY · Special Rate Certificate of Deposit · Relationship | $1,875.003.75% APY · Special Rate Certificate of Deposit · Relationship |
| 24 months | $319.963.15% APY · Premium Certificate of Deposit · Standard | $639.923.15% APY · Premium Certificate of Deposit · Standard | $1,599.813.15% APY · Premium Certificate of Deposit · Standard | $3,199.613.15% APY · Premium Certificate of Deposit · Standard |
| 36 months | $439.802.85% APY · Premium Certificate of Deposit · Standard | $879.602.85% APY · Premium Certificate of Deposit · Standard | $2,199.002.85% APY · Premium Certificate of Deposit · Standard | $4,397.992.85% APY · Premium Certificate of Deposit · Standard |
| 48 months | $551.442.65% APY · Premium Certificate of Deposit · Standard | $1,102.882.65% APY · Premium Certificate of Deposit · Standard | $2,757.212.65% APY · Premium Certificate of Deposit · Standard | $5,514.422.65% APY · Premium Certificate of Deposit · Standard |
| 60 months | $657.042.50% APY · Premium Certificate of Deposit · Standard | $1,314.082.50% APY · Premium Certificate of Deposit · Standard | $3,285.212.50% APY · Premium Certificate of Deposit · Standard | $6,570.412.50% APY · Premium Certificate of Deposit · Standard |
How Benchmark Community Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 365-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 171 of 413 tracked institutions with fresh 365-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| Benchmark Community Bank (this institution)Special Rate Certificate of Deposit · Relationship | 12 months | $500 | Branches in NC, VA | 3.75% | October 22, 2026 |
| Truliant Federal Credit Union (highest tracked APY for this term)Limited-Time 12 Month Term (new external funds required) · Promotional | 12 months | $5,000 | Membership required · branches in NC, SC, VA | 5.00% | October 22, 2026 |
| Popular DirectCD · Standard | 12 months | $10,000 | Available nationwide | 4.60% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank)Bank CD · Promotional | 12 months | Not stated | Available nationwide | 4.55% | October 22, 2026 |
| Treasury (APY-equivalent) | 12 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.57% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking Benchmark Community Bank on October 22, 2026.
About Benchmark Community Bank
- Legal name
- Benchmark Community Bank
- Regulator ID
- FDIC 20484
- Headquarters
- Kenbridge, VA
- Available in
- NC, VA
- Total assets
- $1.4 billion
- Also known as
- Website
- www.bcbforlife.bank
Source: rates read from https://bcbforlife.bank/rates. See the page text we read.
Frequently asked questions
What is the highest CD rate at Benchmark Community Bank?
Among the rates we track, 3.75% APY on a 12-month relationship CD, as of October 22, 2026.
What is the minimum deposit for a Benchmark Community Bank CD?
The lowest minimum we found is $500.
How does Benchmark Community Bank's best CD rate compare with Treasury yields?
3.75% APY is −0.82% versus the 12-month Treasury yield of 4.57% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 3.75% a good CD rate?
It is 2.1 times the FDIC national average for a similar term (1.76% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Benchmark Community Bank CDs insured?
Benchmark Community Bank is an FDIC-insured bank (FDIC 20484). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Benchmark Community Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from Benchmark Community Bank's website and may change at any time. Confirm terms, minimums and eligibility with Benchmark Community Bank before opening an account. This page is not financial advice.