# VeraBank CD rates

As of October 22, 2026, VeraBank's highest tracked CD rate is 2.47% APY on a 6-month CD ($250,000 minimum). That is 1.8 times the FDIC national average for 6-month CDs (1.39%). Standard CD rates range from 1.41% to 2.47% APY.

Canonical page: https://apyledger.com/cd-rates/verabank
Institution: VeraBank, National Association (FDIC 3250)
Aliases: 
Status: live
Last verified: 2026-10-23T03:02:58.000Z (October 22, 2026)
Official source: https://www.verabank.com/Personal/Banking/Interest-Rates
Coverage: CDs from 6 to 60 months with a $1,000 minimum; rates are tiered by balance ($1,000, $10,000 and $250,000). Early withdrawal penalties may apply.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Personal CD | standard | 6 months | $250,000 | 2.47% | Not ZIP-priced | −1.93% | 2026-10-23T03:02:58.000Z | [Snapshot 936](https://apyledger.com/snapshots/936) |
| Personal CD | standard | 6 months | $10,000 | 2.21% | Not ZIP-priced | −2.19% | 2026-10-23T03:02:58.000Z | [Snapshot 936](https://apyledger.com/snapshots/936) |
| Personal CD | standard | 6 months | $1,000 | 1.96% | Not ZIP-priced | −2.44% | 2026-10-23T03:02:58.000Z | [Snapshot 936](https://apyledger.com/snapshots/936) |
| Personal CD | standard | 12 months | $250,000 | 2.42% | Not ZIP-priced | −2.15% | 2026-10-23T03:02:58.000Z | [Snapshot 936](https://apyledger.com/snapshots/936) |
| Personal CD | standard | 12 months | $10,000 | 2.17% | Not ZIP-priced | −2.40% | 2026-10-23T03:02:58.000Z | [Snapshot 936](https://apyledger.com/snapshots/936) |
| Personal CD | standard | 12 months | $1,000 | 1.91% | Not ZIP-priced | −2.66% | 2026-10-23T03:02:58.000Z | [Snapshot 936](https://apyledger.com/snapshots/936) |
| Personal CD | standard | 18 months | $250,000 | 2.17% | Not ZIP-priced | −2.55% | 2026-10-23T03:02:58.000Z | [Snapshot 936](https://apyledger.com/snapshots/936) |
| Personal CD | standard | 18 months | $10,000 | 1.91% | Not ZIP-priced | −2.81% | 2026-10-23T03:02:58.000Z | [Snapshot 936](https://apyledger.com/snapshots/936) |
| Personal CD | standard | 18 months | $1,000 | 1.66% | Not ZIP-priced | −3.06% | 2026-10-23T03:02:58.000Z | [Snapshot 936](https://apyledger.com/snapshots/936) |
| Personal CD | standard | 24 months | $250,000 | 1.91% | Not ZIP-priced | −2.96% | 2026-10-23T03:02:58.000Z | [Snapshot 936](https://apyledger.com/snapshots/936) |
| Personal CD | standard | 24 months | $10,000 | 1.66% | Not ZIP-priced | −3.21% | 2026-10-23T03:02:58.000Z | [Snapshot 936](https://apyledger.com/snapshots/936) |
| Personal CD | standard | 24 months | $1,000 | 1.41% | Not ZIP-priced | −3.46% | 2026-10-23T03:02:58.000Z | [Snapshot 936](https://apyledger.com/snapshots/936) |
| Personal CD | standard | 36 months | $250,000 | 2.07% | Not ZIP-priced | −2.88% | 2026-10-23T03:02:58.000Z | [Snapshot 936](https://apyledger.com/snapshots/936) |
| Personal CD | standard | 36 months | $10,000 | 1.81% | Not ZIP-priced | −3.14% | 2026-10-23T03:02:58.000Z | [Snapshot 936](https://apyledger.com/snapshots/936) |
| Personal CD | standard | 36 months | $1,000 | 1.56% | Not ZIP-priced | −3.39% | 2026-10-23T03:02:58.000Z | [Snapshot 936](https://apyledger.com/snapshots/936) |
| Personal CD | standard | 60 months | $250,000 | 2.27% | Not ZIP-priced | −2.74% | 2026-10-23T03:02:58.000Z | [Snapshot 936](https://apyledger.com/snapshots/936) |
| Personal CD | standard | 60 months | $10,000 | 2.02% | Not ZIP-priced | −2.99% | 2026-10-23T03:02:58.000Z | [Snapshot 936](https://apyledger.com/snapshots/936) |
| Personal CD | standard | 60 months | $1,000 | 1.76% | Not ZIP-priced | −3.25% | 2026-10-23T03:02:58.000Z | [Snapshot 936](https://apyledger.com/snapshots/936) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.