What are the current interest rates at Uwharrie Bank?

Current rates for Uwharrie Bank include: 18-Month CD: 4.00%

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Uwharrie Bank Rates & Review November 2026

Q: What CD terms does Uwharrie Bank offer?

Uwharrie Bank CD rates are 3.75% APY for a 4 month CD, 3.75% APY for a 5 month CD, 3.75% APY for a 6 month CD, 3.75% APY for a 7 month CD, 4.00% APY for a 17 month CD and 4.00% APY for an 18 month CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Uwharrie Bank for its full lineup.

Q: How many branches does Uwharrie Bank operate?

Uwharrie Bank currently maintains approximately 10 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Uwharrie Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Uwharrie Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: November 5, 2026

Uwharrie Bank's Promotional CD - 17-Month rates are at 4.00%, Promotional CD - 4-Month rates are at 3.75%, Promotional CD - 5-Month rates are at 3.75%, Promotional CD - 6-Month rates are at 3.75%, Promotional CD - 7-Month rates are at 3.75%. Uwharrie Bank's 15 Year Conventional Fixed rates are at 6.50%, 20 Year Conventional Fixed rates are at 6.75%, 30 Year Conventional Fixed rates are at 7.00%, 30 Year FHA/VA Fixed rates are at 6.875%. Uwharrie Bank's top CD rate of 4.00% APY on a 17 month CD is 36% higher than the MonitorBankRates national average of 2.95% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Uwharrie Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.72%. Rates last updated and verified on 11/05/2026.

Uwharrie Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Uwharrie Bank? Share your experience about Uwharrie Bank by leaving a review below, or read customer reviews before you decide to use Uwharrie Bank.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.72%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Uwharrie Bank

167 N 2nd St
Albemarle, NC 28001

https://www.uwharrie.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Uwharrie Bank CD Rates

Product	Rate	APY	Term	Min. Deposit
Promotional CD - 17-Month	-	4.00%	17 months	$10,000
Min Deposit $10,000 Details Promotional CD; interest compounded daily; $10,000 minimum deposit to open with new promotional CDs; early withdrawal penalty may apply Last Updated 11/05/2026 Rate History No change since Oct 26, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%
Promotional CD - 4-Month	-	3.75%	4 months	$10,000
Min Deposit $10,000 Details Promotional CD; interest compounded daily; $10,000 minimum deposit to open with new promotional CDs; early withdrawal penalty may apply Last Updated 11/05/2026 Rate History 1 change since Oct 22, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50% Oct 26, 20263.75%▲ from 3.50% Oct 22, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%
Promotional CD - 5-Month	-	3.75%	5 months	$10,000
Min Deposit $10,000 Details Promotional CD; interest compounded daily; $10,000 minimum deposit to open with new promotional CDs; early withdrawal penalty may apply Last Updated 11/05/2026 Rate History 1 change since Oct 22, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50% Oct 26, 20263.75%▲ from 3.50% Oct 22, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%
Promotional CD - 6-Month	-	3.75%	6 months	$10,000
Min Deposit $10,000 Details Promotional CD; interest compounded daily; $10,000 minimum deposit to open with new promotional CDs; early withdrawal penalty may apply Last Updated 11/05/2026 Rate History 1 change since Oct 22, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50% Oct 26, 20263.75%▲ from 3.50% Oct 22, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%
Promotional CD - 7-Month	-	3.75%	7 months	$10,000
Min Deposit $10,000 Details Promotional CD; interest compounded daily; $10,000 minimum deposit to open with new promotional CDs; early withdrawal penalty may apply Last Updated 11/05/2026 Rate History 1 change since Oct 22, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50% Oct 26, 20263.75%▲ from 3.50% Oct 22, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%

Uwharrie Bank Mortgage Rates

Product	Rate	Points	APR	Term
15 Year Conventional Fixed	6.50%	-	6.533%	15 Year
Details Effective 11/5/2026; purchase transaction, primary residence, 30-day lock; best case scenario; no bank fees Last Updated 11/05/2026 Rate History 2 changes since Oct 22, 2026 · 7.03% → 6.53% ▼ 0.50 pts · high 7.03% / low 6.53% Nov 5, 20266.53%▼ from 6.78% Oct 26, 20266.78%▼ from 7.03% Oct 22, 20267.03%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%
20 Year Conventional Fixed	6.75%	-	6.777%	20 Year
Details Effective 11/5/2026; purchase transaction, primary residence, 30-day lock; best case scenario; no bank fees Last Updated 11/05/2026 Rate History 2 changes since Oct 22, 2026 · 7.28% → 6.78% ▼ 0.50 pts · high 7.28% / low 6.78% Nov 5, 20266.78%▼ from 7.03% Oct 26, 20267.03%▼ from 7.28% Oct 22, 20267.28%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%
30 Year Conventional Fixed	7.00%	-	7.021%	30 Year
Details Effective 11/5/2026; purchase transaction, primary residence, 30-day lock; best case scenario; no bank fees Last Updated 11/05/2026 Rate History 2 changes since Oct 22, 2026 · 7.40% → 7.02% ▼ 0.38 pts · high 7.40% / low 7.02% Nov 5, 20267.02%▼ from 7.27% Oct 26, 20267.27%▼ from 7.40% Oct 22, 20267.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%
30 Year FHA/VA Fixed	6.875%	-	7.58%	30 Year
Details Effective 11/5/2026; purchase transaction, 30-day lock; best case scenario; no bank fees; MIP and VA Funding Fee apply Last Updated 11/05/2026 Rate History 2 changes since Oct 22, 2026 · 7.96% → 7.58% ▼ 0.38 pts · high 7.96% / low 7.58% Nov 5, 20267.58%▼ from 7.71% Oct 26, 20267.71%▼ from 7.96% Oct 22, 20267.96%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%

Uwharrie Bank Other Rates

Product	Rate	Points	APY/APR	Term	View More
USDA Loan	6.875%	-	7.362%
Details Effective 11/5/2026; purchase transaction, 30-day lock; best case scenario; no bank fees; USDA monthly Guaranty Fee applies Last Updated 11/05/2026 Rate History No change since Nov 5, 2026 · 7.36% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.72%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Uwharrie Bank’s Texas Ratio fell from 1.56% in Q3 2023 to 0.72% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 3.8 to 5.0 and its Health Grade from B+ to A+. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.2B	0.72%	5.0	A+
March 31, 2026	$1.2B	0.41%	5.0	A+
December 31, 2025	$1.2B	0.38%	5.0	A+
September 30, 2025	$1.2B	0.43%	5.0	A+
June 30, 2025	$1.2B	0.34%	5.0	A+
March 31, 2025	$1.2B	0.43%	5.0	A+
December 31, 2024	$1.1B	0.23%	5.0	A+
September 30, 2024	$1.2B	0.82%	5.0	A+
June 30, 2024	$1.1B	2.25%	4.9	A+
March 31, 2024	$1.1B	2.31%	4.8	A
December 31, 2023	$1.1B	1.70%	4.8	A+
September 30, 2023	$1.1B	1.56%	3.8	B+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Uwharrie Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Uwharrie Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Uwharrie Bank's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Uwharrie Bank

Website https://www.uwharrie.com

Address 167 N 2nd St, Albemarle, NC 28001 · Stanly

Bank Holding Company UWHARRIE CAPITAL CORP

FDIC Certificate # 24919

Regulator FED

Established January 26, 1984

FDIC Insurance Date January 26, 1984

Domestic Offices 10

Total Branches 10

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.72%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

1.2601%

Return on Equity (ROE)

14.9700%

Non-Performing Loans Ratio (NPL)

0.06%

Total Assets

$1,220,465,000

Total Deposits

$1,102,545,000

Equity Capital

$106,798,000

Net Income

$7,691,000

Headquarters

Albemarle

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

Uwharrie Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter, and this profile page always shows the latest results, so the code never needs to change.

<a href="https://www.monitorbankrates.com/banks/uwharrie-bank-rates-review-24919">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Uwharrie Bank

Does Uwharrie Bank offer CDs?

Yes. Uwharrie Bank current CD rates include its Promotional CD - 17-Month at 4.00% APY, its Promotional CD - 4-Month at 3.75% APY and its Promotional CD - 5-Month at 3.75% APY, verified by MonitorBankRates as of November 5, 2026.

Are CDs from Uwharrie Bank FDIC insured?

Yes. Uwharrie Bank is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Uwharrie Bank?

The highest Uwharrie Bank CD rate is its Promotional CD - 17-Month at 4.00% APY, verified by MonitorBankRates as of November 5, 2026.

What CD terms does Uwharrie Bank offer?

Uwharrie Bank CD rates are 3.75% APY for a 4 month CD, 3.75% APY for a 5 month CD, 3.75% APY for a 6 month CD, 3.75% APY for a 7 month CD, 4.00% APY for a 17 month CD and 4.00% APY for an 18 month CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Uwharrie Bank for its full lineup.

What is the lowest 30 year fixed mortgage rate at Uwharrie Bank?

The lowest Uwharrie Bank 30 year fixed mortgage rate is its 30 Year FHA/VA Fixed at 6.875%, verified by MonitorBankRates as of November 5, 2026. Uwharrie Bank mortgage rates are 7.00% for a 30 year mortgage, 6.75% for a 20 year mortgage and 6.50% for a 15 year mortgage.

How many branches does Uwharrie Bank operate?

Uwharrie Bank currently maintains approximately 10 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Uwharrie Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Uwharrie Bank provides members with tools to manage their accounts and build a solid financial history.

Does Uwharrie Bank offer online and mobile banking?

Most modern institutions like Uwharrie Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.uwharrie.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Uwharrie Bank rates compare?

Uwharrie Bank's top CD rate of 4.00% APY on a 17 month CD is 36% higher than the MonitorBankRates national average of 2.95% APY for that term, and it has an A+ health rating. Uwharrie Bank's top rates are its 17-Months Promotional CD - 17-Month at 4.00% APY and its 15 Year Conventional Fixed at 6.50%, verified by MonitorBankRates on November 5, 2026.

Current Uwharrie Bank Rates

18-Month CD4.00%

Retrieved from our database of financial products. Rates subject to change.

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Uwharrie Bank Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Uwharrie Bank Texas Ratio

Uwharrie Bank Health Trend

Uwharrie Bank CD Rates

Uwharrie Bank Mortgage Rates

Uwharrie Bank Other Rates

Financial Health History

Methodology & Data Sources

Bank Profile & Overview

Financials

Uwharrie Bank earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Uwharrie Bank

Does Uwharrie Bank offer CDs?

Are CDs from Uwharrie Bank FDIC insured?

What is the highest CD rate at Uwharrie Bank?

What CD terms does Uwharrie Bank offer?

What is the lowest 30 year fixed mortgage rate at Uwharrie Bank?

How many branches does Uwharrie Bank operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Uwharrie Bank offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Uwharrie Bank rates compare?

Current Uwharrie Bank Rates

Compare to Other Banks