Certificates of Deposit
A Guarantee You Can Count On
There aren't many guarantees in life — but a certificate of deposit is one of them. Choose your term and enjoy a competitive, fixed rate.
Cd
| Decision Basics | |
| Minimum Deposit | $1,000 |
| Rate Type | Fixed for full term |
| Terms | 3 to 60+ months |
| Early Withdrawal | Penalty applies |
LIMITED TIME
Current CD Specials
CD specials are offered periodically for a limited time. Choose the timeline that best fits your savings goal.
5 Months
3.750%
APY*
3.71% interest rate
10 Months
4.00%
APY*
3.94% interest rate
15 Months
4.00%
APY*
3.94% interest rate
23 Months
3.99%
APY*
4.05% interest rate
Benefits You'll Love
Safe, Secure & Set to Earn
Guaranteed Returns
Fixed interest rates lock in guaranteed returns for the full term — no market risk to your principal or your rate.
A Wide Range of Terms
Choose from a wide range of terms to match your goals, with higher rates on longer terms and periodic limited-time specials.
No Setup or Maintenance Fees
There are no setup or maintenance fees — every dollar of interest works for you, not the bank.
FDIC Insured
Every certificate is FDIC insured up to $250,000, making it one of the safest ways to grow your savings.
How It Works
Open a CD in 3 Simple Steps
1
Choose Your Term
Browse available CD terms and find the rate and timeline that match your savings goal.
2
Watch Your Money Grow
Your deposit earns interest at a high, fixed rate until your CD matures. Guaranteed — no market risk.
3
Renew or Redirect
When your CD matures, choose to renew it, open a different term, or transfer the funds.
Open Anywhere
Open a CD From Wherever You Are
Apply online in minutes — no branch visit required. Or stop by any BRB location and a banker will help you get started.
Current Rates
{{ consumer-certificates-of-deposit-rate }}
CD Calculator
Estimate Your CD Earnings
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Enter your numbers to get an estimate.
{{ cd-calc }}
Helpful Answers
Good Questions, Straight Answers
Plain answers, no jargon.
{beginAccordions}
WHAT IS A CERTIFICATE OF DEPOSIT?
A CD is a savings account where you deposit money for a fixed term in exchange for a guaranteed, fixed interest rate. You agree not to withdraw the funds until the term ends — in exchange, you earn a competitive fixed rate for guaranteed returns.
WHAT IS THE MINIMUM DEPOSIT TO OPEN A CD?
A regular CD requires a $1,000 minimum deposit to open and to obtain the APY. CD specials also carry a $1,000 minimum balance.
HOW DO I EARN A HIGHER RATE?
Earning a higher rate isn't always just about choosing a longer term. Depending on your goals, a Kasasa Cash® Checking account or a Golden Advantage CD may be a better fit — and your personal banker can help you find what works best for your situation. Ready to get started? Open a CD online or connect with a banker.
IS THERE A PENALTY FOR EARLY WITHDRAWAL?
Yes. Early withdrawal is subject to a penalty. Ask a BRB banker for complete details on the penalty for your specific term.
ARE THERE ANY SETUP OR MAINTENANCE FEES?
No. There are no setup or maintenance fees on BRB certificates of deposit.
ARE BRB CDS FDIC INSURED?
Yes. All deposits at Blue Ridge Bank, including CDs, are FDIC insured up to $250,000 per depositor, per ownership category.
CAN I OPEN A BLUE RIDGE BANK CD ONLINE?
Yes. You can open a BRB CD online at openaccount.mybrb.bank or visit any of our branch locations.
{endAccordions}
Open Anywhere
Open a CD From Wherever You Are
Apply online in minutes — no branch visit required. Or stop by any BRB location and a banker will help you get started.
Current Rates
{{ consumer-certificates-of-deposit-rate }}
CD Calculator
Estimate Your CD Earnings
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Enter your numbers to get an estimate.
{{ cd-calc }}
Helpful Answers
Good Questions, Straight Answers
Plain answers, no jargon.
{beginAccordions}
WHAT IS A CERTIFICATE OF DEPOSIT?
A CD is a savings account where you deposit money for a fixed term in exchange for a guaranteed, fixed interest rate. You agree not to withdraw the funds until the term ends — in exchange, you earn a competitive fixed rate for guaranteed returns.
WHAT IS THE MINIMUM DEPOSIT TO OPEN A CD?
A regular CD requires a $1,000 minimum deposit to open and to obtain the APY. CD specials also carry a $1,000 minimum balance.
HOW DO I EARN A HIGHER RATE?
Earning a higher rate isn't always just about choosing a longer term. Depending on your goals, a Kasasa Cash® Checking account or a Golden Advantage CD may be a better fit — and your personal banker can help you find what works best for your situation. Ready to get started? Open a CD online or connect with a banker.
IS THERE A PENALTY FOR EARLY WITHDRAWAL?
Yes. Early withdrawal is subject to a penalty. Ask a BRB banker for complete details on the penalty for your specific term.
ARE THERE ANY SETUP OR MAINTENANCE FEES?
No. There are no setup or maintenance fees on BRB certificates of deposit.
ARE BRB CDS FDIC INSURED?
Yes. All deposits at Blue Ridge Bank, including CDs, are FDIC insured up to $250,000 per depositor, per ownership category.
CAN I OPEN A BLUE RIDGE BANK CD ONLINE?
Yes. You can open a BRB CD online at openaccount.mybrb.bank or visit any of our branch locations.
{endAccordions}
Open Anywhere
Open a CD From Wherever You Are
Apply online in minutes — no branch visit required. Or stop by any BRB location and a banker will help you get started.
Current Rates
{{ consumer-certificates-of-deposit-rate }}
CD Calculator
Estimate Your CD Earnings
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Enter your numbers to get an estimate.
{{ cd-calc }}
Helpful Answers
Good Questions, Straight Answers
Plain answers, no jargon.
{beginAccordions}
WHAT IS A CERTIFICATE OF DEPOSIT?
A CD is a savings account where you deposit money for a fixed term in exchange for a guaranteed, fixed interest rate. You agree not to withdraw the funds until the term ends — in exchange, you earn a competitive fixed rate for guaranteed returns.
WHAT IS THE MINIMUM DEPOSIT TO OPEN A CD?
A regular CD requires a $1,000 minimum deposit to open and to obtain the APY. CD specials also carry a $1,000 minimum balance.
HOW DO I EARN A HIGHER RATE?
Earning a higher rate isn't always just about choosing a longer term. Depending on your goals, a Kasasa Cash® Checking account or a Golden Advantage CD may be a better fit — and your personal banker can help you find what works best for your situation. Ready to get started? Open a CD online or connect with a banker.
IS THERE A PENALTY FOR EARLY WITHDRAWAL?
Yes. Early withdrawal is subject to a penalty. Ask a BRB banker for complete details on the penalty for your specific term.
ARE THERE ANY SETUP OR MAINTENANCE FEES?
No. There are no setup or maintenance fees on BRB certificates of deposit.
ARE BRB CDS FDIC INSURED?
Yes. All deposits at Blue Ridge Bank, including CDs, are FDIC insured up to $250,000 per depositor, per ownership category.
CAN I OPEN A BLUE RIDGE BANK CD ONLINE?
Yes. You can open a BRB CD online at openaccount.mybrb.bank or visit any of our branch locations.
{endAccordions}
When a CD Makes Sense
A smart fit for savings you won't touch yet
Lock In Today's Rate
Secure a fixed rate for your full term so your earnings are guaranteed — no matter how the market moves.
Build a CD Ladder
Stagger several terms so funds become available at regular intervals while you keep earning higher rates.
Park Funds With a Deadline
Saving toward a known timeline — a down payment, tuition, or a big purchase? A CD keeps it growing safely until then.
Open Anywhere
Open a CD From Wherever You Are
Apply online in minutes — no branch visit required. Or stop by any BRB location and a banker will help you get started.
Current Rates
{{ consumer-certificates-of-deposit-rate }}
CD Calculator
Estimate Your CD Earnings
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Enter your numbers to get an estimate.
{{ cd-calc }}
Helpful Answers
Good Questions, Straight Answers
Plain answers, no jargon.
{beginAccordions}
WHAT IS A CERTIFICATE OF DEPOSIT?
A CD is a savings account where you deposit money for a fixed term in exchange for a guaranteed, fixed interest rate. You agree not to withdraw the funds until the term ends — in exchange, you earn a competitive fixed rate for guaranteed returns.
WHAT IS THE MINIMUM DEPOSIT TO OPEN A CD?
A regular CD requires a $1,000 minimum deposit to open and to obtain the APY. CD specials also carry a $1,000 minimum balance.
HOW DO I EARN A HIGHER RATE?
Earning a higher rate isn't always just about choosing a longer term. Depending on your goals, a Kasasa Cash® Checking account or a Golden Advantage CD may be a better fit — and your personal banker can help you find what works best for your situation. Ready to get started? Open a CD online or connect with a banker.
IS THERE A PENALTY FOR EARLY WITHDRAWAL?
Yes. Early withdrawal is subject to a penalty. Ask a BRB banker for complete details on the penalty for your specific term.
ARE THERE ANY SETUP OR MAINTENANCE FEES?
No. There are no setup or maintenance fees on BRB certificates of deposit.
ARE BRB CDS FDIC INSURED?
Yes. All deposits at Blue Ridge Bank, including CDs, are FDIC insured up to $250,000 per depositor, per ownership category.
CAN I OPEN A BLUE RIDGE BANK CD ONLINE?
Yes. You can open a BRB CD online at openaccount.mybrb.bank or visit any of our branch locations.
{endAccordions}
Open Anywhere
Open a CD From Wherever You Are
Apply online in minutes — no branch visit required. Or stop by any BRB location and a banker will help you get started.
Current Rates
{{ consumer-certificates-of-deposit-rate }}
CD Calculator
Estimate Your CD Earnings
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Enter your numbers to get an estimate.
{{ cd-calc }}
Helpful Answers
Good Questions, Straight Answers
Plain answers, no jargon.
{beginAccordions}
WHAT IS A CERTIFICATE OF DEPOSIT?
A CD is a savings account where you deposit money for a fixed term in exchange for a guaranteed, fixed interest rate. You agree not to withdraw the funds until the term ends — in exchange, you earn a competitive fixed rate for guaranteed returns.
WHAT IS THE MINIMUM DEPOSIT TO OPEN A CD?
A regular CD requires a $1,000 minimum deposit to open and to obtain the APY. CD specials also carry a $1,000 minimum balance.
HOW DO I EARN A HIGHER RATE?
Earning a higher rate isn't always just about choosing a longer term. Depending on your goals, a Kasasa Cash® Checking account or a Golden Advantage CD may be a better fit — and your personal banker can help you find what works best for your situation. Ready to get started? Open a CD online or connect with a banker.
IS THERE A PENALTY FOR EARLY WITHDRAWAL?
Yes. Early withdrawal is subject to a penalty. Ask a BRB banker for complete details on the penalty for your specific term.
ARE THERE ANY SETUP OR MAINTENANCE FEES?
No. There are no setup or maintenance fees on BRB certificates of deposit.
ARE BRB CDS FDIC INSURED?
Yes. All deposits at Blue Ridge Bank, including CDs, are FDIC insured up to $250,000 per depositor, per ownership category.
CAN I OPEN A BLUE RIDGE BANK CD ONLINE?
Yes. You can open a BRB CD online at openaccount.mybrb.bank or visit any of our branch locations.
{endAccordions}
*Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This is a limited time offer and may be withdrawn at any time. Minimum balance to open and obtain APY is $1,000. Certain restrictions and conditions may apply. Fees may reduce earnings. Early withdrawal fee may apply. All figures in examples are for product explanation and are based on a 5-month, 10-month, 15-month and 23-month term. Ask us for complete details.
**Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open and to obtain APY is $1,000.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Early withdrawal fee may apply. Ask us for complete details.
Kasasa Cash CalculatorDisclaimer
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
Buy vs. Lease CalculatorDisclaimer
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
CD CalculatorDisclaimer
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total interest earned $0
- Annual Percentage Yield (APY)0.000%
Savings Goal CalculatorDisclaimer
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
Simple Loan CalculatorDisclaimer
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Business Certificates of Deposit Rates
| Term | Interest Rate | APY* | Min. Balance |
|---|---|---|---|
| 3 – 5 Months | 1.49% | 1.50% | $1,000 |
| 6 Months | 1.59% | 1.60% | $1,000 |
| 7 – 11 Months | 1.69% | 1.70% | $1,000 |
| 12 Months | 1.79% | 1.80% | $1,000 |
| 13 – 23 Months | 1.29% | 1.30% | $1,000 |
| 24 – 35 Months | 1.34% | 1.35% | $1,000 |
| 36 – 47 Months | 1.39% | 1.40% | $1,000 |
| 48 – 59 Months | 1.44% | 1.45% | $1,000 |
| 60 Months+ | 1.49% | 1.50% | $1,000 |
*Annual Percentage Yield (APY) effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $1,000. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Ask us for complete details.
Business Money Market Rates
| Balance | Rate | APY** |
|---|---|---|
| $0 – $24,999.99 | 0.25% | 0.25% |
| $25,000 – $49,999.99 | 1.00% | 1.00% |
| $50,000 – $99,999.99 | 1.50% | 1.53% |
| $100,000 – $249,999.99 | 2.00% | 2.03% |
| $250,000 – $499,999.99 | 2.20% | 2.23% |
| $500,000 – $999,999.99 | 2.55% | 2.58% |
| $1,000,000 – $2,999,999.99 | 2.74% | 2.78% |
| $3,000,000 – $4,999,999.99 | 2.94% | 2.98% |
| $5,000,000 and Greater | 3.18% | 3.23% |
**Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $2,500.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Business Savings Rates
| Balance | Rate | APY* |
|---|---|---|
| $500.00 | 0.10% | 0.10% |
*Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $500.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Business with Interest Rates
| Balance | Rate | APY* |
|---|---|---|
| $3,000.00 | 0.10% | 0.10% |
*APY accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $100.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Certificate of Deposit Specials Rates
| Term | Rate | APY* | Min. Balance |
|---|---|---|---|
| 5 Months | 3.71% | 3.75% | $1,000 |
| 10 Months | 3.94% | 4.00% | $1,000 |
| 15 Months | 3.94% | 4.00% | $1,000 |
| 23 Months | 3.99% | 4.05% | $1,000 |
*Annual Percentage Yield (APY) effective as of 10/15/2026. Limited-time offer. This rate is subject to change. Minimum balance to open is $1,000. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Ask us for complete details.
Charitable Checking Rates
| Product | Interest Rate | APY* |
|---|---|---|
| Charitable Account | 0.10% | 0.10% |
*Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $500.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Consumer Certificates of Deposit Rates
| Term | Interest Rate | APY** | Min. Balance |
|---|---|---|---|
| 3 – 5 Months | 1.49% | 1.50% | $1,000 |
| 6 Months | 1.59% | 1.60% | $1,000 |
| 7 – 11 Months | 1.69% | 1.70% | $1,000 |
| 12 Months | 1.79% | 1.80% | $1,000 |
| 13 – 17 Months | 1.89% | 1.90% | $1,000 |
| 18 – 23 Months | 1.29% | 1.30% | $1,000 |
| 24 – 35 Months | 1.34% | 1.35% | $1,000 |
| 36 – 47 Months | 1.39% | 1.40% | $1,000 |
| 48 – 59 Months | 1.44% | 1.45% | $1,000 |
| 60 Months+ | 1.49% | 1.50% | $1,000 |
**Annual Percentage Yield (APY) effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $1,000. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Ask us for complete details.
First Honor Checking Rates
| Product | Rate | APY* |
|---|---|---|
| First Honor Checking | 1.50% | 1.51% |
*Annual Percentage Yield (APY) for First Honor Checking is 1.51%. APY accurate and effective as of 10/15/26. Rates may change after account is opened. Fees may reduce earnings. Minimum balance to open account is $50.00. A $10 service fee applies if the account balance falls below the minimum balance requirement of $1,000.
Golden Advantage Certificate of Deposit & Specials Rates
| Term | Interest Rate | APY* | Min. Balance |
|---|---|---|---|
| 12 Months | 3.99% | 4.05% | $1,000 |
| 30 Months | 4.04% | 4.10% | $1,000 |
| 36 Months | 1.39% | 1.40% | $1,000 |
| 48 Months | 1.44% | 1.45% | $1,000 |
| 60 Months | 1.49% | 1.50% | $1,000 |
*Annual Percentage Yield (APY) effective as of 10/15/2026. Golden Advantage members (age 55+) receive a rate bonus over standard CD specials. This rate is subject to change. Minimum balance to open is $1,000. A penalty may be imposed for early withdrawal. Fees may reduce earnings. Ask us for complete details.
Golden Advantage Money Market
| Balance | Rate | APY* |
|---|---|---|
| $2,500.00 and Greater | 2.83% | 2.88% |
*Annual Percentage Yield (APY) accurate and effective as of 10/15/2026 This rate is subject to change. Minimum balance to open is $2,500.00. Avoid the monthly service fee by maintaining a $2,500.00 minimum daily balance. Certain restrictions and conditions may apply. Fees may reduce earnings.
Golden Advantage Plus Checking Rates
| Balance | Interest Rate | APY* |
|---|---|---|
| $0.00 – $2,499.99 | 0.03% | 0.03% |
| $2,500.00 – $24,999.99 | 0.05% | 0.05% |
| $25,000.00 – $49,999.99 | 0.05% | 0.05% |
| $50,000.00 and Greater | 0.08% | 0.08% |
*Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $2,500.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Health Savings Rates
| Product | Rate | APY‡ |
|---|---|---|
| Health Savings Account | 0.15% | 0.15% |
‡Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open and to obtain APY is $100. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Kasasa Cash® Rates
| Balance | Min. Deposit to Open | Rate | APY* |
|---|---|---|---|
| $0.01 – $15,000.99 | $100 | 4.41% | 4.50% |
| $15,001.00 and Greater | n/a | 0.05% | 0.05% |
| All balances if qualifications not met | n/a | 0.01% | 0.01% |
*APY = Annual Percentage Yield. APYs accurate as of 10/15/2026. Rates may change after account is opened. If qualifications are met each monthly qualification cycle: domestic ATM fees are reimbursed up to $20; balances up to $15,000.99 receive 4.50% APY; balances over $15,001.00 earn 0.05%. If qualifications are not met, all balances earn 0.01% APY. Interest earned in Kasasa Cash is automatically transferred to Kasasa Saver each statement cycle. Fees may reduce earnings.
Kasasa Saver® Rates
| Balance | Min. Deposit to Open | Interest Rate | APY* |
|---|---|---|---|
| $0.01 – $100,000.99 | $100.00 | 2.96% | 3.00% |
| $100,001 and Greater | $100.00 | 0.05% | 0.05% |
| All balances if qualifications not met | $100.00 | 0.01% | 0.01% |
*APY = Annual Percentage Yield. APYs accurate as of 10/15/2026. Rates may change after account is opened. If Kasasa Cash qualifications are met each monthly cycle, Kasasa Saver balances up to $100,000.99 receive 3.00% APY; balances over $100,001 earn 0.05%. If qualifications are not met, all balances earn 0.01% APY. Fees may reduce earnings.
Money Market Tiered Rates
| Balance | Interest Rate | APY* |
|---|---|---|
| $0.00 – $2,499.99 | 0.25% | 0.25% |
| $2,500 – $9,999.99 | 0.50% | 0.50% |
| $10,000 – $24,999.99 | 0.75% | 0.75% |
| $25,000.00 – $49,999.99 | 1.00% | 1.00% |
| $50,000.00 – $99,999.99 | 1.25% | 1.25% |
| $100,000.00 – $249,999.99 | 2.395% | 2.43% |
| $250,000.00 – $999,999.99 | 2.49% | 2.53% |
| $1,000,000 and Greater | 2.49% | 2.53% |
*Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $2,500.00. Avoid the $11 monthly service fee by maintaining a $2,500.00 minimum daily balance. Certain restrictions and conditions may apply. Fees may reduce earnings.
Municipal Money Market
| Balance | Rate | APY** |
|---|---|---|
| $0 – $24,999.99 | 0.25% | 0.25% |
| $25,000 – $49,999.99 | 1.00% | 1.00% |
| $50,000 – $99,999.99 | 1.36% | 1.38% |
| $100,000.00 – $249,999.99 | 1.85% | 1.88% |
| $250,000.00 – $499,999.99 | 2.05% | 2.08% |
| $500,000.00 – $999,999.99 | 2.40% | 2.43% |
| $1,000,000.00 – $2,999,999.99 | 2.59% | 2.63% |
| $3,000,000.00 – $4,999,999.99 | 2.78% | 2.83% |
| $5,000,000.00 and Greater | 3.03% | 3.08% |
**Municipal Money Market: Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open and to obtain APY is $1,000.00. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Personal Savings Rates
| Product | Rate | APY* |
|---|---|---|
| Personal Savings | 0.10% | 0.10% |
*Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $100. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.
Youth Savings Rates
| Product | Rate | APY** |
|---|---|---|
| Youth Savings | 0.10% | 0.10% |
**Annual Percentage Yield (APY) accurate and effective as of 10/15/2026. This rate is subject to change. Minimum balance to open is $10. Certain restrictions and conditions may apply. Fees may reduce earnings. Ask us for complete details.