North Carolina CD Rates Today - Compare Best APYs for May 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current North Carolina CD rates include Fort Financial Federal Credit UnionFort Financial Federal Credit Union8815 Lima Rd, Fort Wayne, IN 46818 1856A+5.0 ★Texas Ratio: 3.12%Real return: +1.70%APY minus CPI (February 2026) offering 12-Month IRA Certificate (Premier Member) at 4.50% APY, ADVANCIALADVANCIAL10000 N Central Expy Ste 1400, Dallas, TX 75231 2319A+5.0 ★Texas Ratio: 0.31%Real return: +1.54%APY minus CPI (February 2026) offering Jumbo, 5 Year Term Certificates at 4.34% APY, U S POSTAL SERVICEU S POSTAL SERVICE7905 Malcolm Rd Ste 311, Clinton, MD 20735 1730A+5.0 ★Texas Ratio: 2.27%Real return: +1.45%APY minus CPI (February 2026) offering IRA Certificates 1 Year Starter Add-On at 4.25% APY, Founders Federal Credit UnionFounders Federal Credit Union607 N Main St, Lancaster, SC 29720A+5.0 ★Texas Ratio: 4.65%Real return: +1.42%APY minus CPI (February 2026) offering 60 Month Fixed Rate IRA Certificates at 4.22% APY, and ElecTel Cooperative Federal Credit UnionElecTel Cooperative Federal Credit Union2500 NC Highway 86 S, Hillsborough, NC 27278A+5.0 ★Texas Ratio: 1.21%Real return: +1.35%APY minus CPI (February 2026) offering IRA Share Certificate (18 Month) at 4.15% APY. CD rates as of May 15, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare CD rates across all terms in North Carolina side-by-side. North Carolina CD rates currently reach as high as 4.50% APY from Fort Financial Federal Credit Union at 8815 Lima Rd, Fort Wayne, IN 46818 1856. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: May 15, 2026
Compare Best CD Rates in North Carolina
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Cecil County School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.43%
203 Booth St, Elkton, MD 21921 5646
3-Month Certificate Special
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
New Money Minimum
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
200 Marymeade Dr, Summerville, SC 29483
Regular Certificates 3 Month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Live Oak Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.35%
1757 Tiburon Dr, Wilmington, NC 28403
3-month CD
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
4997 Home Rd, Winston Salem, NC 27106
3 Month Certificate
$500
2.50%
▼
Rate2.47%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC 27103 2993
IRA Certificate 3 Month
$500
2.40%
▼
Rate2.37%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC 27103 2993
3 Month Certificate
$500
2.30%
▼
Rate2.27%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
2000 Continental Blvd, Charlotte, NC 28273
IRA Certificates 3 Months
$0
2.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
2000 Continental Blvd, Charlotte, NC 28273
Young Certificates 3 Months
$500
2.15%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
1815 Kildaire Farm Rd, Cary, NC 27518
Standard Personal Share Certificates 90 Days
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
1815 Kildaire Farm Rd, Cary, NC 27518
Standard Personal Share Certificates 90 Days
$0
1.92%
▼
Rate1.90%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
324 Main St, Greenfield, MA 01301
3 Month
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 4, 2026
Details
Relationship APY
Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
1430 N National Rd, Columbus, IN 47201 5577
Share Certificates 3 Month
$100,000
0.90%
▼
Rate0.90%
Min Deposit$100,000
Min Balance—
UpdatedMay 12, 2026
Details
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
721 Lakefront Cmns, Newport News, VA 23606
Short-Term Certificates 3 Months
$0
0.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
721 Lakefront Cmns, Newport News, VA 23606
Certificate IRAs 3 Months
$0
0.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
3
Benchmark Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
100 S Broad St, Kenbridge, VA 23944
Regular Time Deposits & IRAs* 3 Months
$0
0.85%
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Premium
Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
1430 N National Rd, Columbus, IN 47201 5577
Share Certificates 3 Month
$500
0.85%
▼
Rate0.85%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
8815 Lima Rd, Fort Wayne, IN 46818 1856
90-Day Certificate (Premier Member)
$500
0.80%
▼
Rate0.80%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Benchmark Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
100 S Broad St, Kenbridge, VA 23944
Regular Time Deposits & IRAs* 3 Months
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
415 S Main St, Crystal Lake, IL 60014
3-month term Standard CDs
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
8815 Lima Rd, Fort Wayne, IN 46818 1856
90-Day Certificate (Non-premier member)
$500
0.55%
▼
Rate0.55%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
201 S Stratford Rd, Winston Salem, NC 27103
3 Month CD
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
3 Academy ST, Canton, NC 28716
Business Edge - 90 Day Certificate
$1,000
0.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
415 S Main St, Crystal Lake, IL 60014
3-month term Regular CDs
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
200 W Base St, Madison, FL 32340
3 month Standard Fixed Rate Relationship
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Early withdrawal penalties may apply
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
200 W Base St, Madison, FL 32340
3 month Standard Fixed Rate
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Early withdrawal penalties may apply
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
200 W Base St, Madison, FL 32340
3 month Standard Fixed Rate CD
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
88 Hillsboro St, Pittsboro, NC 27312
Regular CD 90 Days
$0
0.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5712 Creedmoor Rd, Raleigh, NC 27612
IRA Certificate Accounts 6 month
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5712 Creedmoor Rd, Raleigh, NC 27612
Share Certificate Accounts 6 month
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
FirstBank (TN)
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
548 Main St, Roanoke, AL 36274
6-Month CD
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
2500 NC Highway 86 S, Hillsborough, NC 27278
IRA Share Certificate (180 Day)
$500
3.80%
▼
Rate3.73%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
2500 NC Highway 86 S, Hillsborough, NC 27278
Share Certificate (180 Day)
$500
3.80%
▼
Rate3.73%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★Texas Ratio: 61.44%
201 E ASH ST, GOLDSBORO, NC 27530
Share Certificates 6 Months
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
1000 Saint Albans Dr, Raleigh, NC 27609
6 Month Certificate
$250
3.80%
▼
Rate3.74%
Min Deposit$250
Min Balance—
UpdatedMay 12, 2026
Details
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
1000 Saint Albans Dr, Raleigh, NC 27609
IRA Certificate 6 Month
$250
3.80%
▼
Rate3.74%
Min Deposit$250
Min Balance—
UpdatedMay 12, 2026
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
200 Marymeade Dr, Summerville, SC 29483
Regular Certificates 6 Month
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Live Oak Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.35%
1757 Tiburon Dr, Wilmington, NC 28403
6-month CD
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Riverside Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
325 Becker Dr, Roanoke Rapids, NC 27870
6 Month Certificate
$1,000
3.61%
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Roxboro Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
313 S Main St, Roxboro, NC 27573
6 Months Certificates of Deposit (CDs)
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Roxboro Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
313 S Main St, Roxboro, NC 27573
Certificates of Deposit (CDs) 6 Months
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
10810 Chapel Hill Rd, Morrisville, NC 27560
6 Months Certificates
$500
3.60%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
CAROLINA
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
1200 E Church St, Cherryville, NC 28021 9211
6 Month CD
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
($1,000 minimum)
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
316 NC Hwy 149 N, Plymouth, NC 27962
6 Months
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
316 NC Hwy 149 N, Plymouth, NC 27962
Share Certificate 6 Months
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
3 Academy ST, Canton, NC 28716
6-mo. Share Certificate
$1,000
3.55%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.49%
2917 Village Dr, Fayetteville, NC 28304 3814
6 Months Share Certificate
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
3 Academy ST, Canton, NC 28716
6-mo. Share Certificate
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
214 Pacific Ave, Durham, NC 27704
Certificate or IRA 6 Months
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
100 W Morgan St, Durham, NC 27701 3315
Share Term Certificates Regular 6 Months
$500
3.35%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
5288 Providence Rd, Virginia Beach, VA 23464 4204
IRA Certificate - 6 Months (Reg/Roth/Educ)
$100,000
3.25%
▼
Rate3.20%
Min Deposit$100,000
Min Balance—
UpdatedMay 7, 2026
Details
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
4997 Home Rd, Winston Salem, NC 27106
6 Month Certificate
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
5288 Providence Rd, Virginia Beach, VA 23464 4204
Certificate - 6 Months
$100,000
3.20%
▼
Rate3.15%
Min Deposit$100,000
Min Balance—
UpdatedMay 7, 2026
Details
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
5288 Providence Rd, Virginia Beach, VA 23464 4204
IRA Certificate - 6 Months (Reg/Roth/Educ)
$1,000
3.20%
▼
Rate3.15%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
5288 Providence Rd, Virginia Beach, VA 23464 4204
Certificate - 6 Months
$1,000
3.15%
▼
Rate3.10%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
2098 Frontis Plaza Blvd Ste A, Winston Salem, NC 27103 5779
6-Month Jumbo Share Certificate
$50,000
3.10%
▼
Rate3.05%
Min Deposit$50,000
Min Balance—
UpdatedMay 10, 2026
Details
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
2098 Frontis Plaza Blvd Ste A, Winston Salem, NC 27103 5779
6-Month Share Certificate
$500
3.10%
▼
Rate3.05%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
6502 McMahan Dr, Charlotte, NC 28226
6 Month Term Certificate
$500
3.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
4997 Home Rd, Winston Salem, NC 27106
6 Month Certificate
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
HealthShare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
HealthShare Credit Union, Greensboro, NC 27401
6-Month Share Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
WNC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
27 Kent Ln, Waynesville, NC 28786 6099
6-Month Share Certificate
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
CS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
6519 Comm Scope Rd, Catawba, NC 28609
6-Month IRA Share Certificate
$500
2.75%
▼
Rate2.72%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Minimum Initial Deposit of $500
CS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
6519 Comm Scope Rd, Catawba, NC 28609
6 Month Share Certificate
$500
2.75%
▼
Rate2.72%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Minimum Initial Deposit of $500
Emergency Responders Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.88%
1777 Link Rd, Winston Salem, NC 27103 4625
6 Months Certificates of Deposit
$500
2.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
The Pentagon Corridor 10 Room 2D1043, Washington, DC 20301 0001
6 Month
$0
2.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
2000 Continental Blvd, Charlotte, NC 28273
IRA Certificates 6 Months
$0
2.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
2000 Continental Blvd, Charlotte, NC 28273
Young Certificates 6 Months
$500
2.65%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
URW Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.37%
539 Arnett Blvd, Danville, VA 24540
6 Month Share Certificates (Share & IRA)
$1,000
2.53%
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
Telco Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.49%
1720 Barlow Rd, Tarboro, NC 27886
6 Months
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Telco Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.49%
1720 Barlow Rd, Tarboro, NC 27886
6 Months Certificate
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC 27103 2993
IRA Certificate 6 Month
$500
2.45%
▼
Rate2.42%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC 27103 2993
6 Month Certificate
$500
2.35%
▼
Rate2.32%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
1815 Kildaire Farm Rd, Cary, NC 27518
Standard Personal Share Certificates 180 Days
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
1815 Kildaire Farm Rd, Cary, NC 27518
Standard Personal Share Certificates 180 Days
$0
1.92%
▼
Rate1.90%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
721 Lakefront Cmns, Newport News, VA 23606
Certificate IRAs 6 Months
$0
1.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
3
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
721 Lakefront Cmns, Newport News, VA 23606
Short-Term Certificates 6 Months
$0
1.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Benchmark Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
100 S Broad St, Kenbridge, VA 23944
Regular Time Deposits & IRAs* 6 Months
$0
1.80%
▼
Rate1.79%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Premium
American Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
618 N Scales St, Reidsville, NC 27320 2941
6 Month IRA and Share Certificates
$500
1.75%
▼
Rate1.74%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
8815 Lima Rd, Fort Wayne, IN 46818 1856
12-Month IRA Certificate (Premier Member)
$0
4.50%
▼
Rate4.41%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
7905 Malcolm Rd Ste 311, Clinton, MD 20735 1730
IRA Certificates 1 Year Starter Add-On
$0
4.25%
▼
Rate4.18%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
8815 Lima Rd, Fort Wayne, IN 46818 1856
12-Month IRA Certificate (Non-premier member)
$0
4.25%
▼
Rate4.17%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
7905 Malcolm Rd Ste 311, Clinton, MD 20735 1730
1 Year Add-On Certificate
$0
4.10%
▼
Rate4.04%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
7905 Malcolm Rd Ste 311, Clinton, MD 20735 1730
1 Year Add-On Starter Certificate
$0
4.10%
▼
Rate4.04%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
316 NC Hwy 149 N, Plymouth, NC 27962
12 Months
$500
4.07%
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
316 NC Hwy 149 N, Plymouth, NC 27962
Share Certificate 12 Months
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
2500 NC Highway 86 S, Hillsborough, NC 27278
IRA Share Certificate (12 Month)
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
2500 NC Highway 86 S, Hillsborough, NC 27278
Share Certificate (12 Month)
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
1000 Saint Albans Dr, Raleigh, NC 27609
12 Month Certificate
$250
3.90%
▼
Rate3.83%
Min Deposit$250
Min Balance—
UpdatedMay 12, 2026
Details
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
1000 Saint Albans Dr, Raleigh, NC 27609
IRA Certificate 12 Month
$250
3.90%
▼
Rate3.83%
Min Deposit$250
Min Balance—
UpdatedMay 12, 2026
Details
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.49%
2917 Village Dr, Fayetteville, NC 28304 3814
12 Months Share Certificate
$1,000
3.90%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Live Oak Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.35%
1757 Tiburon Dr, Wilmington, NC 28403
1-Year CD
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
1815 Kildaire Farm Rd, Cary, NC 27518
Standard Personal Share Certificates 12 Months
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
1815 Kildaire Farm Rd, Cary, NC 27518
Traditional IRA Certificates 12 Months
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
607 N Main St, Lancaster, SC 29720
12 Month Fixed Rate IRA Certificates
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
1815 Kildaire Farm Rd, Cary, NC 27518
Standard Personal Share Certificates 12 Months
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
1815 Kildaire Farm Rd, Cary, NC 27518
Traditional IRA Certificates 12 Months
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
8815 Lima Rd, Fort Wayne, IN 46818 1856
12-Month Certificate (Premier Member)
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Fort Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
4172 Hefner Dr, Fort Bragg, NC 28310
12-month CD
$25,000
3.75%
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 7, 2026
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
200 Marymeade Dr, Summerville, SC 29483
Regular Certificates 12 Month Special
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
301 W Main St, Durham, NC 27701
1-year Certificate
$0
3.72%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
301 W Main St, Durham, NC 27701
12 Months IRA Certificates
$0
3.72%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
301 W Main St, Durham, NC 27701 3215
1-Year Certificate
$0
3.72%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
607 N Main St, Lancaster, SC 29720
12 Month SmartStart
$100
3.70%
▼
Rate3.65%
Min Deposit$100
Min Balance—
UpdatedMay 7, 2026
Details
Crescent Bank
Institution Rating:
C4.0 ★Texas Ratio: 27.16%
2201 Veterans Memorial Blvd, Metairie, LA 70002
12-month CD
$1,000
3.65%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Annual Percentage Yield (APY) effective 03/25/2026 is subject to change at any time and is based on interest compounding quarterly. This is a limited time offer and can be withdrawn at any time without notice. Interest rates are fixed for the term of the Certificate of Deposit. A penalty is imposed for early withdrawal which would reduce earnings on your account. For more information on insurance coverage visit www.fdic.gov. Member FDIC
URW Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.37%
539 Arnett Blvd, Danville, VA 24540
1 Year Share Certificates (Share & IRA)
$1,000
3.60%
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
7905 Malcolm Rd Ste 311, Clinton, MD 20735 1730
IRA Certificates 1 Year
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
607 N Main St, Lancaster, SC 29720
12 Month Certificate
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★Texas Ratio: 61.44%
201 E ASH ST, GOLDSBORO, NC 27530
Share Certificates 12 Months
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
100 W Morgan St, Durham, NC 27701 3315
Share Term Certificates Regular 12 Months
$500
3.55%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
10810 Chapel Hill Rd, Morrisville, NC 27560
12 Months Certificates
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
CAROLINA
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
1200 E Church St, Cherryville, NC 28021 9211
1 Year CD
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
($50,000 minimum)
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
2000 Continental Blvd, Charlotte, NC 28273
Young Certificates 12 Months
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
10810 Chapel Hill Rd, Morrisville, NC 27560
IRA Share Certificates 12 Months
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
2000 Continental Blvd, Charlotte, NC 28273
IRA Certificates 12 Months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
6502 McMahan Dr, Charlotte, NC 28226
12 Month Term Certificate
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
6502 McMahan Dr, Charlotte, NC 28226
12 Month CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
8815 Lima Rd, Fort Wayne, IN 46818 1856
12-Month Certificate (Non-premier member)
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
8815 Lima Rd, Fort Wayne, IN 46818 1856
12-Month Business Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Paramount Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.91%
90 Village Square Shop Ctr, Hazelwood, MO 63042
CD & IRA - 12 Months
$1,000
3.50%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Quarterly Post or Interest Checks<sup>2</sup>
CAROLINA
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
1200 E Church St, Cherryville, NC 28021 9211
1 Year CD
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
($1,000 minimum)
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
214 Pacific Ave, Durham, NC 27704
Certificate or IRA 12 Months
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5712 Creedmoor Rd, Raleigh, NC 27612
IRA Certificate Accounts 12 month
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5712 Creedmoor Rd, Raleigh, NC 27612
Share Certificate Accounts 12 month
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
1202 N Cashua Dr, Florence, SC 29501
12 Months Share Certificates/CDs
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
7905 Malcolm Rd Ste 311, Clinton, MD 20735 1730
1 Year Share Certificates
$0
3.35%
▼
Rate3.31%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
2098 Frontis Plaza Blvd Ste A, Winston Salem, NC 27103 5779
12-Month Share Certificate
$2,000
3.30%
▼
Rate3.25%
Min Deposit$2,000
Min Balance—
UpdatedMay 10, 2026
Details
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
2098 Frontis Plaza Blvd Ste A, Winston Salem, NC 27103 5779
12-Month IRA Certificate
$2,000
3.30%
▼
Rate3.25%
Min Deposit$2,000
Min Balance—
UpdatedMay 10, 2026
Details
Duke University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
2200 W Main St Ste L100, Durham, NC 27705 4600
Share Certificate 6-12 month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
2500 NC Highway 86 S, Hillsborough, NC 27278
IRA Share Certificate (18 Month)
$500
4.15%
▼
Rate4.07%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
2500 NC Highway 86 S, Hillsborough, NC 27278
Share Certificate (18 Month)
$500
4.15%
▼
Rate4.07%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Emergency Responders Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.88%
1777 Link Rd, Winston Salem, NC 27103 4625
18 Months Certificates of Deposit
$500
4.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
1000 Saint Albans Dr, Raleigh, NC 27609
18 Month Certificate
$250
3.90%
▼
Rate3.83%
Min Deposit$250
Min Balance—
UpdatedMay 12, 2026
Details
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
1000 Saint Albans Dr, Raleigh, NC 27609
IRA Certificate 18 Month
$250
3.90%
▼
Rate3.83%
Min Deposit$250
Min Balance—
UpdatedMay 12, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
301 W Main St, Durham, NC 27701
18 Months IRA Certificates
$0
3.77%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
1815 Kildaire Farm Rd, Cary, NC 27518
Standard Personal Share Certificates 18 Months
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
1815 Kildaire Farm Rd, Cary, NC 27518
Traditional IRA Certificates 18 Months
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.49%
2917 Village Dr, Fayetteville, NC 28304 3814
18 Months Share Certificate
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Corporate America Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
2075 Big Timber Rd, Elgin, IL 60123 1140
18-Month Share Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Save more when you move at least $500 from another financial institution.
Live Oak Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.35%
1757 Tiburon Dr, Wilmington, NC 28403
18-Month CD
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
1815 Kildaire Farm Rd, Cary, NC 27518
Standard Personal Share Certificates 18 Months
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
1815 Kildaire Farm Rd, Cary, NC 27518
Traditional IRA Certificates 18 Months
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
100 W Morgan St, Durham, NC 27701 3315
Share Term Certificates Regular 18 Months
$500
3.60%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
2000 Continental Blvd, Charlotte, NC 28273
IRA Certificates 18 Months
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
2000 Continental Blvd, Charlotte, NC 28273
Young Certificates 18 Months
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
8815 Lima Rd, Fort Wayne, IN 46818 1856
18-Month IRA Certificate (Premier Member)
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
6502 McMahan Dr, Charlotte, NC 28226
18 Month Term Certificate
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
CS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
6519 Comm Scope Rd, Catawba, NC 28609
18-Month Special Share Certificate
$10,000
3.50%
▼
Rate3.44%
Min Deposit$10,000
Min Balance—
UpdatedMay 10, 2026
Details
Limited time Special rate; Minimum Initial Deposit of $10,000
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
200 Marymeade Dr, Summerville, SC 29483
Regular Certificates 18 Month Special
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Roxboro Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
313 S Main St, Roxboro, NC 27573
Individual Retirement Accounts (IRAs) 18 months
$0
3.45%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
214 Pacific Ave, Durham, NC 27704
Certificate or IRA 18 Months
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
214 Pacific Ave, Durham, NC 27704
Student 18 Months
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
316 NC Hwy 149 N, Plymouth, NC 27962
18 Months
$500
3.35%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
316 NC Hwy 149 N, Plymouth, NC 27962
Share Certificate 18 Months
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
415 S Main St, Crystal Lake, IL 60014
18-month term CD Specials
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Lumbee Guaranty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
403 E 3rd St, Pembroke, NC 28372
Individual Retirement Account (IRA) Certificate of Deposit* 18 Month Fixed Rate IRA
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
415 S Main St, Crystal Lake, IL 60014
IRA CD Specials 18-month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Lumbee Guaranty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
403 E 3rd St, Pembroke, NC 28372
Individual Retirement Account (IRA) Certificate of Deposit* 18 Month Variable Rate IRA
$100
3.30%
▼
Rate3.25%
Min Deposit$100
Min Balance—
UpdatedMay 15, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
415 S Main St, Crystal Lake, IL 60014
18-month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
2098 Frontis Plaza Blvd Ste A, Winston Salem, NC 27103 5779
18-Month Share Certificate
$2,000
3.30%
▼
Rate3.25%
Min Deposit$2,000
Min Balance—
UpdatedMay 10, 2026
Details
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
721 Lakefront Cmns, Newport News, VA 23606
Long-Term Certificates 18 Months
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
721 Lakefront Cmns, Newport News, VA 23606
Certificate IRAs 18 Months
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
3
Roxboro Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
313 S Main St, Roxboro, NC 27573
18 Months Certificates of Deposit (CDs)
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
8815 Lima Rd, Fort Wayne, IN 46818 1856
18-Month Certificate (Premier Member)
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
8815 Lima Rd, Fort Wayne, IN 46818 1856
18-Month IRA Certificate (Non-premier member)
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
4997 Home Rd, Winston Salem, NC 27106
18 Month Certificate
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC 27103 2993
IRA Certificate 18 Month
$500
3.15%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
The Pentagon Corridor 10 Room 2D1043, Washington, DC 20301 0001
18 Month
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
5288 Providence Rd, Virginia Beach, VA 23464 4204
IRA Certificate - 18 Months (Reg/Roth/Educ)
$1,000
3.05%
▼
Rate3.01%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC 27103 2993
18 Month Certificate
$500
3.05%
▼
Rate3.01%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Telco Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.49%
1720 Barlow Rd, Tarboro, NC 27886
18 Months
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Telco Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.49%
1720 Barlow Rd, Tarboro, NC 27886
18 Months Certificate
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
8815 Lima Rd, Fort Wayne, IN 46818 1856
18-Month Business Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
8815 Lima Rd, Fort Wayne, IN 46818 1856
18-Month Certificate (Non-premier member)
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
5288 Providence Rd, Virginia Beach, VA 23464 4204
Certificate - 18 Months
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
200 Marymeade Dr, Summerville, SC 29483
Regular Certificates 18 Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Telco Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.49%
1720 Barlow Rd, Tarboro, NC 27886
18 Months IRA Certificates
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Telco Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.49%
1720 Barlow Rd, Tarboro, NC 27886
IRA Certificates 18 Months
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
American Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
618 N Scales St, Reidsville, NC 27320 2941
18 Month IRA and Share Certificates
$1,000
2.75%
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
607 N Main St, Lancaster, SC 29720
24 Month Fixed Rate IRA Certificates
$500
3.91%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
1000 Saint Albans Dr, Raleigh, NC 27609
24 Month Certificate
$250
3.90%
▼
Rate3.83%
Min Deposit$250
Min Balance—
UpdatedMay 12, 2026
Details
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
1000 Saint Albans Dr, Raleigh, NC 27609
IRA Certificate 24 Month
$250
3.90%
▼
Rate3.83%
Min Deposit$250
Min Balance—
UpdatedMay 12, 2026
Details
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
2500 NC Highway 86 S, Hillsborough, NC 27278
IRA Share Certificate (24 Month)
$500
3.85%
▼
Rate3.78%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
2500 NC Highway 86 S, Hillsborough, NC 27278
Share Certificate (24 Month)
$500
3.85%
▼
Rate3.78%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
301 W Main St, Durham, NC 27701
24 Months IRA Certificates
$0
3.77%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
1815 Kildaire Farm Rd, Cary, NC 27518
Standard Personal Share Certificates 24 Months
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
1815 Kildaire Farm Rd, Cary, NC 27518
Traditional IRA Certificates 24 Months
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.49%
2917 Village Dr, Fayetteville, NC 28304 3814
24 Months Share Certificate
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
100 W Morgan St, Durham, NC 27701 3315
Share Term Certificates Regular 24 Months
$500
3.70%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
1815 Kildaire Farm Rd, Cary, NC 27518
Standard Personal Share Certificates 24 Months
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
1815 Kildaire Farm Rd, Cary, NC 27518
Traditional IRA Certificates 24 Months
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
607 N Main St, Lancaster, SC 29720
24 Month Certificate
$500
3.65%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
2000 Continental Blvd, Charlotte, NC 28273
IRA Certificates 24 Months
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
2000 Continental Blvd, Charlotte, NC 28273
Young Certificates 24 Months
$500
3.60%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
7905 Malcolm Rd Ste 311, Clinton, MD 20735 1730
IRA Certificates 2 Years
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
2098 Frontis Plaza Blvd Ste A, Winston Salem, NC 27103 5779
24-Month IRA Certificate
$2,000
3.51%
▼
Rate3.45%
Min Deposit$2,000
Min Balance—
UpdatedMay 10, 2026
Details
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
2098 Frontis Plaza Blvd Ste A, Winston Salem, NC 27103 5779
24-Month Share Certificate
$2,000
3.51%
▼
Rate3.45%
Min Deposit$2,000
Min Balance—
UpdatedMay 10, 2026
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
200 Marymeade Dr, Summerville, SC 29483
Regular Certificates 24 Month Special
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
200 Marymeade Dr, Summerville, SC 29483
Regular Certificates 24 Month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
10810 Chapel Hill Rd, Morrisville, NC 27560
IRA Share Certificates 24 Months
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Emergency Responders Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.88%
1777 Link Rd, Winston Salem, NC 27103 4625
24 Months Certificates of Deposit
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
10810 Chapel Hill Rd, Morrisville, NC 27560
24 Months Certificates
$1,000
3.50%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
8815 Lima Rd, Fort Wayne, IN 46818 1856
24-Month IRA Certificate (Premier Member)
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
316 NC Hwy 149 N, Plymouth, NC 27962
24 Months
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
316 NC Hwy 149 N, Plymouth, NC 27962
Share Certificate 24 Months
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
214 Pacific Ave, Durham, NC 27704
Certificate or IRA 24 Months
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
CAROLINA
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
1200 E Church St, Cherryville, NC 28021 9211
2 Year CD
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
($50,000 minimum)
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
7905 Malcolm Rd Ste 311, Clinton, MD 20735 1730
2 Years Certificate
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
CAROLINA
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
1200 E Church St, Cherryville, NC 28021 9211
2 Year CD
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
($1,000 minimum)
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
7905 Malcolm Rd Ste 311, Clinton, MD 20735 1730
2 Years Share Certificates
$0
3.30%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5712 Creedmoor Rd, Raleigh, NC 27612
IRA Certificate Accounts 24 month
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5712 Creedmoor Rd, Raleigh, NC 27612
Share Certificate Accounts 24 month
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Duke University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
2200 W Main St Ste L100, Durham, NC 27705 4600
Share Certificate 13-24 month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Duke University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
2200 W Main St Ste L100, Durham, NC 27705 4600
IRA Certificate 13-24 month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
8815 Lima Rd, Fort Wayne, IN 46818 1856
24-Month Certificate (Premier Member)
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
8815 Lima Rd, Fort Wayne, IN 46818 1856
24-Month IRA Certificate (Non-premier member)
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC 27103 2993
Online 24 Month Certificate
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
4997 Home Rd, Winston Salem, NC 27106
24 Month Certificate
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
CS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
6519 Comm Scope Rd, Catawba, NC 28609
24-Month IRA Share Certificate
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Minimum Initial Deposit of $500
CS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
6519 Comm Scope Rd, Catawba, NC 28609
24-Month Share Certificate
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Minimum Initial Deposit of $500
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
721 Lakefront Cmns, Newport News, VA 23606
Long-Term Certificates 24 Months
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
721 Lakefront Cmns, Newport News, VA 23606
Certificate IRAs 24 Months
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
3
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
721 Lakefront Cmns, Newport News, VA 23606
24 Month Fixed Rate
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Benchmark Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
100 S Broad St, Kenbridge, VA 23944
Regular Time Deposits & IRAs* 24 Months
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Premium
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC 27103 2993
IRA Certificate 2 Year
$500
3.15%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
URW Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.37%
539 Arnett Blvd, Danville, VA 24540
2 Year Share Certificates (Share & IRA)
$1,000
3.09%
▼
Rate3.05%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC 27103 2993
2 Year Certificate
$500
3.05%
▼
Rate3.01%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★Texas Ratio: 61.44%
201 E ASH ST, GOLDSBORO, NC 27530
Share Certificates 24 Months
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
200 Marymeade Dr, Summerville, SC 29483
IRA Certificates 24 Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
7905 Malcolm Rd Ste 311, Clinton, MD 20735 1730
3 Years Add-On Certificate
$0
4.15%
▼
Rate4.09%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
607 N Main St, Lancaster, SC 29720
36 Month Fixed Rate IRA Certificates
$500
4.01%
▼
Rate3.95%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
2500 NC Highway 86 S, Hillsborough, NC 27278
IRA Share Certificate (36 Month)
$500
3.90%
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
2500 NC Highway 86 S, Hillsborough, NC 27278
Share Certificate (36 Month)
$500
3.90%
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
301 W Main St, Durham, NC 27701
3-year Certificate
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
301 W Main St, Durham, NC 27701
36 Months IRA Certificates
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
301 W Main St, Durham, NC 27701 3215
3-Year Certificate
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Lumbee Guaranty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
403 E 3rd St, Pembroke, NC 28372
Individual Retirement Account (IRA) Certificate of Deposit* 36 Month Fixed Rate IRA
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.49%
2917 Village Dr, Fayetteville, NC 28304 3814
36 Months Share Certificate
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
607 N Main St, Lancaster, SC 29720
36 Month Certificate
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
1000 Saint Albans Dr, Raleigh, NC 27609
IRA Certificate 36 Month
$250
3.70%
▼
Rate3.64%
Min Deposit$250
Min Balance—
UpdatedMay 12, 2026
Details
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
1000 Saint Albans Dr, Raleigh, NC 27609
36 Month Certificate
$250
3.70%
▼
Rate3.64%
Min Deposit$250
Min Balance—
UpdatedMay 12, 2026
Details
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
2000 Continental Blvd, Charlotte, NC 28273
IRA Certificates 36 months
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
2000 Continental Blvd, Charlotte, NC 28273
Young Certificates 36 Months
$500
3.65%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
1815 Kildaire Farm Rd, Cary, NC 27518
Standard Personal Share Certificates 36 Months
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
1815 Kildaire Farm Rd, Cary, NC 27518
Traditional IRA Certificates 36 Months
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
2098 Frontis Plaza Blvd Ste A, Winston Salem, NC 27103 5779
36-MO CD
$0
3.51%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
2098 Frontis Plaza Blvd Ste A, Winston Salem, NC 27103 5779
36-Month IRA Certificate
$2,000
3.51%
▼
Rate3.45%
Min Deposit$2,000
Min Balance—
UpdatedMay 10, 2026
Details
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
2098 Frontis Plaza Blvd Ste A, Winston Salem, NC 27103 5779
36-Month Share Certificate
$2,000
3.51%
▼
Rate3.45%
Min Deposit$2,000
Min Balance—
UpdatedMay 10, 2026
Details
Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
10810 Chapel Hill Rd, Morrisville, NC 27560
IRA Share Certificates 36 Months
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
214 Pacific Ave, Durham, NC 27704
Certificate or IRA 36 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
10810 Chapel Hill Rd, Morrisville, NC 27560
36 Months Certificates
$1,000
3.50%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
1815 Kildaire Farm Rd, Cary, NC 27518
Traditional IRA Certificates 36 Months
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
1815 Kildaire Farm Rd, Cary, NC 27518
Standard Personal Share Certificates 36 Months
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
100 W Morgan St, Durham, NC 27701 3315
Share Term Certificates Regular 36 Months
$500
3.40%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
7905 Malcolm Rd Ste 311, Clinton, MD 20735 1730
3 Years Share Certificates
$0
3.40%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
4997 Home Rd, Winston Salem, NC 27106
36 Month Certificate
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
CAROLINA
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
1200 E Church St, Cherryville, NC 28021 9211
3 Year CD
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
($50,000 minimum)
Duke University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
2200 W Main St Ste L100, Durham, NC 27705 4600
Share Certificate 25-36 month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Duke University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
2200 W Main St Ste L100, Durham, NC 27705 4600
IRA Certificate 25-36 month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
American Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
618 N Scales St, Reidsville, NC 27320 2941
36 Month IRA and Share Certificates
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
Emergency Responders Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.88%
1777 Link Rd, Winston Salem, NC 27103 4625
36 Months Certificates of Deposit
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
721 Lakefront Cmns, Newport News, VA 23606
Certificate IRAs 36 Months
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
3
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
721 Lakefront Cmns, Newport News, VA 23606
Long-Term Certificates 36 Months
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
CAROLINA
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
1200 E Church St, Cherryville, NC 28021 9211
3 Year CD
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
($1,000 minimum)
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
316 NC Hwy 149 N, Plymouth, NC 27962
36 Months
$500
3.14%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
316 NC Hwy 149 N, Plymouth, NC 27962
Share Certificate 36 Months
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
5288 Providence Rd, Virginia Beach, VA 23464 4204
IRA Certificate - 36 Months (Reg/Roth/Educ)
$100,000
3.10%
▼
Rate3.06%
Min Deposit$100,000
Min Balance—
UpdatedMay 7, 2026
Details
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
5288 Providence Rd, Virginia Beach, VA 23464 4204
IRA Certificate - 36 Months (Reg/Roth/Educ)
$1,000
3.05%
▼
Rate3.01%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
5288 Providence Rd, Virginia Beach, VA 23464 4204
Certificate - 36 Months
$100,000
3.05%
▼
Rate3.01%
Min Deposit$100,000
Min Balance—
UpdatedMay 7, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5712 Creedmoor Rd, Raleigh, NC 27612
IRA Certificate Accounts 36 month
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5712 Creedmoor Rd, Raleigh, NC 27612
Share Certificate Accounts 36 month
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
The Pentagon Corridor 10 Room 2D1043, Washington, DC 20301 0001
3 Year
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
8815 Lima Rd, Fort Wayne, IN 46818 1856
36-Month Certificate (Premier Member)
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
8815 Lima Rd, Fort Wayne, IN 46818 1856
36-Month IRA Certificate (Premier Member)
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
5288 Providence Rd, Virginia Beach, VA 23464 4204
Certificate - 36 Months
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
CS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
6519 Comm Scope Rd, Catawba, NC 28609
36-Month Share Certificate
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Minimum Initial Deposit of $500
Benchmark Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
100 S Broad St, Kenbridge, VA 23944
Regular Time Deposits & IRAs* 36 Months
$0
2.85%
▼
Rate2.82%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Premium
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
6502 McMahan Dr, Charlotte, NC 28226
36 Month Term Certificate
$500
2.85%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
5288 Providence Rd, Virginia Beach, VA 23464 4204
Bump Certificate - 36 Months
$1,000
2.80%
▼
Rate2.76%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
607 N Main St, Lancaster, SC 29720
48 Month Fixed Rate IRA Certificates
$500
4.11%
▼
Rate4.05%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
607 N Main St, Lancaster, SC 29720
48 Month Certificate
$500
3.85%
▼
Rate3.80%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
301 W Main St, Durham, NC 27701
48 Months IRA Certificates
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
1000 Saint Albans Dr, Raleigh, NC 27609
48 Month Certificate
$250
3.80%
▼
Rate3.74%
Min Deposit$250
Min Balance—
UpdatedMay 12, 2026
Details
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
1000 Saint Albans Dr, Raleigh, NC 27609
IRA Certificate 48 Month
$250
3.80%
▼
Rate3.74%
Min Deposit$250
Min Balance—
UpdatedMay 12, 2026
Details
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.49%
2917 Village Dr, Fayetteville, NC 28304 3814
48 Months Share Certificate
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
2000 Continental Blvd, Charlotte, NC 28273
IRA Certificates 48 Months
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
2000 Continental Blvd, Charlotte, NC 28273
Young Certificates 48 Months
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
American Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
618 N Scales St, Reidsville, NC 27320 2941
48 Month IRA and Share Certificates
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
10810 Chapel Hill Rd, Morrisville, NC 27560
48 Months Certificates
$1,000
3.50%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
10810 Chapel Hill Rd, Morrisville, NC 27560
IRA Share Certificates 48 Months
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
100 W Morgan St, Durham, NC 27701 3315
Share Term Certificates Regular 48 Months
$500
3.30%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
4997 Home Rd, Winston Salem, NC 27106
48 Month Certificate
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
1815 Kildaire Farm Rd, Cary, NC 27518
Traditional IRA Certificates 48 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
1815 Kildaire Farm Rd, Cary, NC 27518
Standard Personal Share Certificates 48 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
721 Lakefront Cmns, Newport News, VA 23606
Certificate IRAs 48 Months
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
3
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
721 Lakefront Cmns, Newport News, VA 23606
Long-Term Certificates 48 Months
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
1815 Kildaire Farm Rd, Cary, NC 27518
Standard Personal Share Certificates 48 Months
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
1815 Kildaire Farm Rd, Cary, NC 27518
Traditional IRA Certificates 48 Months
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
8815 Lima Rd, Fort Wayne, IN 46818 1856
48-Month Certificate (Premier Member)
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
8815 Lima Rd, Fort Wayne, IN 46818 1856
48-Month IRA Certificate (Premier Member)
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
The Pentagon Corridor 10 Room 2D1043, Washington, DC 20301 0001
4 Year
$0
2.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
415 S Main St, Crystal Lake, IL 60014
48-month term Standard CDs
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
415 S Main St, Crystal Lake, IL 60014
IRA Certificates (CDs) 48-month term
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5712 Creedmoor Rd, Raleigh, NC 27612
IRA Certificate Accounts 48 month
$500
2.78%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5712 Creedmoor Rd, Raleigh, NC 27612
Share Certificate Accounts 48 month
$500
2.78%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
6502 McMahan Dr, Charlotte, NC 28226
48 Month Term Certificate
$500
2.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
8815 Lima Rd, Fort Wayne, IN 46818 1856
48-Month Certificate (Non-premier member)
$500
2.75%
▼
Rate2.72%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
8815 Lima Rd, Fort Wayne, IN 46818 1856
48-Month IRA Certificate (Non-premier member)
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
8815 Lima Rd, Fort Wayne, IN 46818 1856
48-Month Business Certificate
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC 27103 2993
IRA Certificate 4 Year
$500
2.70%
▼
Rate2.66%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
415 S Main St, Crystal Lake, IL 60014
48-month term Regular CDs
$0
2.64%
▼
Rate2.61%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
415 S Main St, Crystal Lake, IL 60014
IRA Certificates (CDs) 48-month term
$0
2.64%
▼
Rate2.61%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC 27103 2993
4 Year Certificate
$500
2.60%
▼
Rate2.57%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Paramount Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.91%
90 Village Square Shop Ctr, Hazelwood, MO 63042
CD & IRA - 48 Months
$1,000
2.55%
▼
Rate2.52%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Quarterly Post or Interest Checks<sup>2</sup>
Benchmark Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
100 S Broad St, Kenbridge, VA 23944
Regular Time Deposits & IRAs* 48 Months
$0
2.50%
▼
Rate2.48%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Premium
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
200 Marymeade Dr, Summerville, SC 29483
Regular Certificates 48 Month
$0
2.30%
▼
Rate2.27%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
1430 N National Rd, Columbus, IN 47201 5577
Share Certificates 4 Year
$100,000
2.10%
▼
Rate2.08%
Min Deposit$100,000
Min Balance—
UpdatedMay 12, 2026
Details
Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
1430 N National Rd, Columbus, IN 47201 5577
IRA Certificates 4 Year
$500
2.05%
▼
Rate2.03%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
1430 N National Rd, Columbus, IN 47201 5577
Share Certificates 4 Year
$500
2.05%
▼
Rate2.03%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Telco Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.49%
1720 Barlow Rd, Tarboro, NC 27886
48 Months Certificate
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Telco Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.49%
1720 Barlow Rd, Tarboro, NC 27886
48 Months
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Live Oak Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.35%
1757 Tiburon Dr, Wilmington, NC 28403
4-Year CD
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
200 Marymeade Dr, Summerville, SC 29483
IRA Certificates 48 Month
$0
1.80%
▼
Rate1.78%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Telco Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.49%
1720 Barlow Rd, Tarboro, NC 27886
48 Months IRA Certificates
$0
1.76%
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Telco Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.49%
1720 Barlow Rd, Tarboro, NC 27886
IRA Certificates 48 Months
$0
1.76%
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Benchmark Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
100 S Broad St, Kenbridge, VA 23944
Regular Time Deposits & IRAs* 48 Months
$0
1.75%
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★Texas Ratio: 61.44%
201 E ASH ST, GOLDSBORO, NC 27530
Share Certificates 48 Months
$0
1.35%
▼
Rate1.35%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
201 S Stratford Rd, Winston Salem, NC 27103
48 Month CD
$0
1.10%
▼
Rate1.09%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
201 S Stratford Rd, Winston Salem, NC 27103
IRA 48 Month Fixed
$0
1.10%
▼
Rate1.09%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
10000 N Central Expy Ste 1400, Dallas, TX 75231 2319
Jumbo, 5 Year Term Certificates
$0
4.34%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
607 N Main St, Lancaster, SC 29720
60 Month Fixed Rate IRA Certificates
$500
4.22%
▼
Rate4.15%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
607 N Main St, Lancaster, SC 29720
60 Month Certificate
$500
3.96%
▼
Rate3.90%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
2000 Continental Blvd, Charlotte, NC 28273
IRA Certificates 60 Months
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
2000 Continental Blvd, Charlotte, NC 28273
Young Certificates 60 Months
$500
3.90%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
301 W Main St, Durham, NC 27701
60 Months IRA Certificates
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
1000 Saint Albans Dr, Raleigh, NC 27609
60 Month Certificate
$250
3.80%
▼
Rate3.74%
Min Deposit$250
Min Balance—
UpdatedMay 12, 2026
Details
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
1000 Saint Albans Dr, Raleigh, NC 27609
IRA Certificate 60 Month
$250
3.80%
▼
Rate3.74%
Min Deposit$250
Min Balance—
UpdatedMay 12, 2026
Details
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.49%
2917 Village Dr, Fayetteville, NC 28304 3814
60 Months Share Certificate
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
American Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
618 N Scales St, Reidsville, NC 27320 2941
60 Month IRA and Share Certificates
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
7905 Malcolm Rd Ste 311, Clinton, MD 20735 1730
IRA Certificates 5 Years
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
19701 Hamilton Ave ste 130, Torrance, CA 90502 1368
5 Year Executive
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
19701 Hamilton Ave ste 130, Torrance, CA 90502 1368
5 Year Executive IRA
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
19701 Hamilton Ave ste 130, Torrance, CA 90502 1368
5 Year Executive Roth
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
2098 Frontis Plaza Blvd Ste A, Winston Salem, NC 27103 5779
60-Month IRA Certificate
$2,000
3.51%
▼
Rate3.45%
Min Deposit$2,000
Min Balance—
UpdatedMay 10, 2026
Details
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
2098 Frontis Plaza Blvd Ste A, Winston Salem, NC 27103 5779
60-Month Share Certificate
$2,000
3.51%
▼
Rate3.45%
Min Deposit$2,000
Min Balance—
UpdatedMay 10, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
7905 Malcolm Rd Ste 311, Clinton, MD 20735 1730
5 Years Share Certificates
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
10810 Chapel Hill Rd, Morrisville, NC 27560
IRA Share Certificates 60 Months
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
10810 Chapel Hill Rd, Morrisville, NC 27560
60 Months Certificates
$1,000
3.50%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
721 Lakefront Cmns, Newport News, VA 23606
60 Month Fixed Rate
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
721 Lakefront Cmns, Newport News, VA 23606
Certificate IRAs 60 Months
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
3
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
721 Lakefront Cmns, Newport News, VA 23606
Long-Term Certificates 60 Months
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
1815 Kildaire Farm Rd, Cary, NC 27518
Standard Personal Share Certificates 60 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
1815 Kildaire Farm Rd, Cary, NC 27518
Traditional IRA Certificates 60 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
4997 Home Rd, Winston Salem, NC 27106
60 Month Certificate
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
100 W Morgan St, Durham, NC 27701 3315
Share Term Certificates Regular 60 Months
$500
3.30%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
CAROLINA
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
1200 E Church St, Cherryville, NC 28021 9211
5 Year CD
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
($50,000 minimum)
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
1815 Kildaire Farm Rd, Cary, NC 27518
Traditional IRA Certificates 60 Months
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
1815 Kildaire Farm Rd, Cary, NC 27518
Standard Personal Share Certificates 60 Months
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
5288 Providence Rd, Virginia Beach, VA 23464 4204
IRA Certificate - 60 Months (Reg/Roth/Educ)
$100,000
3.10%
▼
Rate3.06%
Min Deposit$100,000
Min Balance—
UpdatedMay 7, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
415 S Main St, Crystal Lake, IL 60014
60-month term Standard CDs
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
415 S Main St, Crystal Lake, IL 60014
IRA Certificates (CDs) 60-month term
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
CAROLINA
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
1200 E Church St, Cherryville, NC 28021 9211
5 Year CD
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
($1,000 minimum)
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
5288 Providence Rd, Virginia Beach, VA 23464 4204
Certificate - 60 Months
$0
3.05%
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
5288 Providence Rd, Virginia Beach, VA 23464 4204
IRA Certificate - 60 Months (Reg/Roth/Educ)
$1,000
3.05%
▼
Rate3.01%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
8815 Lima Rd, Fort Wayne, IN 46818 1856
60-Month IRA Certificate (Premier Member)
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
5288 Providence Rd, Virginia Beach, VA 23464 4204
Certificate - 60 Months
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Roxboro Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
313 S Main St, Roxboro, NC 27573
60 Months Certificates of Deposit (CDs)
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
8815 Lima Rd, Fort Wayne, IN 46818 1856
60-Month Certificate (Premier Member)
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Roxboro Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
313 S Main St, Roxboro, NC 27573
Individual Retirement Accounts (IRAs) 60 months
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
The Pentagon Corridor 10 Room 2D1043, Washington, DC 20301 0001
5 Year
$0
2.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
415 S Main St, Crystal Lake, IL 60014
60-month term Regular CDs
$0
2.84%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
415 S Main St, Crystal Lake, IL 60014
IRA Certificates (CDs) 60-month term
$0
2.84%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
200 Marymeade Dr, Summerville, SC 29483
Regular Certificates 60 Month
$0
2.80%
▼
Rate2.76%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
8815 Lima Rd, Fort Wayne, IN 46818 1856
60-Month Business Certificate
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
8815 Lima Rd, Fort Wayne, IN 46818 1856
60-Month Certificate (Non-premier member)
$500
2.75%
▼
Rate2.72%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
8815 Lima Rd, Fort Wayne, IN 46818 1856
60-Month IRA Certificate (Non-premier member)
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC 27103 2993
IRA Certificate 5 Year
$500
2.70%
▼
Rate2.66%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC 27103 2993
5 Year Certificate
$500
2.60%
▼
Rate2.57%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
1420 Sw Lee Blvd, Lawton, OK 73501
60 Months Certificate of Deposit (CDs)
$500
2.50%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Open Account: $500.00
Powered by
MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Key Takeaways
What to know about CD rates in North Carolina at a glance.
- APY tells you the real return. Annual Percentage Yield includes the effect of compounding, while a nominal interest rate doesn't — always compare CDs by APY, not the headline rate.
- North Carolina CD rates currently reach as high as 4.50% APY from Fort Financial Federal Credit Union. The rate table above ranks every offer we track for North Carolina, sorted by APY.
- Credit unions often post the highest APYs. Their not-for-profit structure and lower overhead let them pass more yield through to depositors than traditional banks, so it's worth comparing offers from both when shopping for the best rate.
- CDs are insured up to $250,000 per depositor, per institution, per ownership category — by the FDIC for banks, the NCUA for credit unions. Watch for early-withdrawal penalties, which typically run 30 to 180 days of interest depending on the term, so only commit funds you won't need before maturity.
North Carolina CD Rate Trends
Compare local North Carolina CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — NC Avg
1.580%
▼ 0.296 vs 7 days ago
North Carolina 12-month CD rates fell 0.296 points over the past 7 days to 1.580% APY.
6-Month CD — NC Avg
0.667%
▼ 0.469 vs 7 days ago
North Carolina 6-month CD rates fell 0.469 points over the past 7 days to 0.667% APY.
As of May 15, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
NC CD Rate Forecast — Next 12 Months
Where are North Carolina CD rates headed through May 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
NC 12-Month Avg APY
1.580%
6-Month Forecast
1.580%
Range: 1.38% – 1.73%
12-Month Forecast
1.330%
Range: 1.13% – 1.48%
Powered by
MonitorBankRates
What Your Savings Earn at NC CD Rates Today
Annual interest earnings at today’s North Carolina average APYs. State average used where available; national average as fallback.
| CD Term | NC Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 0.328% | $16.39 | $32.78 | $81.95 | $163.90 |
| 6-Month CD | 0.667% | $33.33 | $66.65 | $166.63 | $333.25 |
| 12-Month CD | 1.580% | $78.99 | $157.97 | $394.93 | $789.85 |
| 18-Month CD | 2.032% | $101.62 | $203.23 | $508.08 | $1,016.15 |
| 24-Month CD | 1.936% | $96.80 | $193.59 | $483.98 | $967.95 |
| 36-Month CD | 1.888% | $94.40 | $188.79 | $471.98 | $943.95 |
| 48-Month CD | 1.595% | $79.76 | $159.51 | $398.78 | $797.55 |
| 60-Month CD | 1.762% | $88.09 | $176.17 | $440.43 | $880.85 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of May 15, 2026. | |||||
Sample CD Ladder for North Carolina Savers
$25,000 split equally across 5 terms using today’s North Carolina average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | NC Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 0.328% | $16.39 |
| 2 | 6-Month CD | $5,000 | 0.667% | $33.33 |
| 3 | 12-Month CD | $5,000 | 1.580% | $78.99 |
| 4 | 24-Month CD | $5,000 | 1.936% | $96.80 |
| 5 | 36-Month CD | $5,000 | 1.888% | $94.40 |
| Total ($25,000 invested) | $25,000 | 1.280% blended | $319.91/yr | |
Ladder example uses equal $5,000 rungs and North Carolina average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
426
CD Rates
Tracked in North Carolina
Tracked in North Carolina
19 Banks
38 Credit Unions
About Our North Carolina CD Rate Database
MonitorBankRates tracks 426 CD rates from 19 banks and 38 credit unions with locations in North Carolina, plus national online institutions available to North Carolina residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Fort Financial Federal Credit Union offers a CD at 4.50% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in North Carolina.
How to Find the Best CD Rates in North Carolina
What to compare when shopping for a CD in North Carolina
To find the best APYs in North Carolina, start with credit unions and online-only banks — North Carolina has 38 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in North Carolina
- You have a planned expense coming up and want your savings to earn while you wait
- You expect rates to fall and want to lock in today’s rate
- You want FDIC or NCUA protection with a guaranteed fixed return
- You prefer banking with an institution that has a local branch in North Carolina — 57 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → North Carolina savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → North Carolina money market rates
North Carolina Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
17.2%
National avg: 17.3%
Median Individual Earnings
$43,026
National avg: $47,340
Poverty Rate
13.0%
National avg: 11.1%
Unemployment Rate
4.6%
National avg: 4.8%
CD Earnings on 10% of Salary
$68/yr
At NC 12-mo avg 1.580% APY
17.2% of residents are 65 or older, in line with the national average of 17.3%. At today’s NC 12-month CD average of 1.580%, saving 10% of the local median salary ($4,302/year) and putting it in a CD would earn an additional $68 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in North Carolina
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
Frequently Asked Questions about CD Rates in North Carolina
Are CD rates in North Carolina FDIC insured?
Yes, most established banks in North Carolina are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.
Do I have to pay state taxes on CD interest in North Carolina?
Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in North Carolina.
Can I withdraw my money early from a CD?
You can, but most institutions charge an Early Withdrawal Penalty — typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.
What is the difference between a Jumbo CD and a regular CD?
Jumbo CDs require a higher minimum deposit — traditionally $100,000 or more. In exchange, banks in North Carolina may offer slightly higher APYs compared to standard CDs.
Are fixed-rate CDs better than variable-rate CDs?
Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.
What is a CD ladder?
A CD ladder involves opening multiple CDs with staggered maturity dates — for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.
Best CD rates in North Carolina?
Here are recent top rates found for this area:
- Fort Financial Federal Credit Union: 4.50% APY (12-Month IRA Certificate (Premier Member))
- ADVANCIAL: 4.34% APY (Jumbo, 5 Year Term Certificates)
- U S POSTAL SERVICE: 4.25% APY (IRA Certificates 1 Year Starter Add-On)
- Founders Federal Credit Union: 4.22% APY (60 Month Fixed Rate IRA Certificates)
- ElecTel Cooperative Federal Credit Union: 4.15% APY (IRA Share Certificate (18 Month))
- Weyco Community Credit Union: 4.07% APY (12 Months)
- Emergency Responders Credit Union: 4.00% APY (18 Months Certificates of Deposit)
- Live Oak Bank: 3.90% APY (1-Year CD)
- Bragg Mutual Federal Credit Union: 3.90% APY (12 Months Share Certificate)
- Blue Flame Credit Union Charlotte, NC: 3.90% APY (IRA Certificates 60 Months)
Rates reflect recent verified offers available in North Carolina. Last Updated: May 15, 2026
CD Calculators for North Carolina
North Carolina CD Calculator
At today’s NC top rate of 4.50% APY, a $10,000 deposit earns $450 in the first year. Enter your amount to see your exact return.
North Carolina CD LadderNC CD rates currently range from 0.328% (3-month) to 1.888% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a North Carolina CD at 4.50% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsNorth Carolina’s average 12-month CD is 1.580% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our North Carolina CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for North Carolina directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in North Carolina. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in NC.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: May 15, 2026
Cities in North Carolina
Rate Assistant
MonitorBankRates.com · Live Data
Try asking