Virginia Commerce Bank
Personal Banking

Security & Privacy
Certificates of Deposit

Give your money some security and some room to grow in a Certificate of Deposit (CD). With FDIC insurance coverage and market-leading rates, VCB CDs are in your best interest!

  Fixed-Term CD / IRA2 No-penalty CD2 MEGA CD / IRA3

Account Overview

Get a fixed rate on terms from 91 days to 5 years. Access your money for unexpected expenses once without penalty. Get our highest rate with our premier CD — It goes great with MEGA Checking!
Minimum Opening Deposit
$500 for CD
 $100 for IRA
$5,000
$5,000
Early Withdrawal Penalty1
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Waived on 1 (one) withdrawal after account has been open 14 days
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VCB Checking Account Required
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FREE Online Banking
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FREE Telebanking

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View a complete list of our consistently high Deposit Rates.

You can read our Banking Services Agreement.

Open a CD with a great rate today; call (703) 534-0700 or use our locator to find a conveniently located branch and to experience our outstanding customer service.

How can you access FDIC insurance on your large-dollar deposits? CDARS might have the right benefits for you.


1. Principal and interest must remain on deposit for entire term to avoid fees. Available to entities eligible to maintain interest bearing accounts and all individuals.
2. A penalty may be imposed for early withdrawal of the CD or IRA. Available to entities eligible to maintain interest bearing accounts and all individuals.
3. MEGA CD requires a VCB checking account and Visa® Check Card. If required checking account is new, minimum opening deposit is $1,000. A penalty may be imposed for early withdrawal of the CD. Available to entities eligible to maintain interest bearing accounts and all individuals.

CDs

At VCB, we’ve got great opportunities to save. If you’re planning for retirement, we can help you choose an Individual Retirement Account (IRA) that works for you. Many of our CD terms are available for IRAs,
and IRAs are FDIC insured to at least $250,000.  Find out more about IRAs or check out more VCB savings solutions.

Member FDIC | Nasdaq VCBI | EOL