North Carolina CD Rates Today - Compare Best APYs for June 2026
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Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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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 Union1475 N New Hope Rd, Gastonia, NC 28054A+5.0 ★Texas Ratio: 2.84%Real return: +1.70%APY minus CPI (February 2026) offering 12-Month IRA Certificate at 4.50% APY, ADVANCIALADVANCIAL7521 Pineville Matthews Rd, Charlotte, NC 28226A+5.0 ★Texas Ratio: 9.94%Real return: +1.54%APY minus CPI (February 2026) offering Jumbo, 5 Year Term Certificate at 4.34% APY, U S POSTAL SERVICEU S POSTAL SERVICE1 Floretta Pl, Raleigh, NC 27676 9803A+5.0 ★Texas Ratio: 4.34%Real return: +1.45%APY minus CPI (February 2026) offering 1 Year Starter Add-On at 4.25% APY, COASTALCOASTAL1000 Saint Albans Dr, Raleigh, NC 27609A+5.0 ★Texas Ratio: 4.41%Real return: +1.35%APY minus CPI (February 2026) offering 60 Month at 4.15% APY, and Live Oak BankLive Oak Bank1757 Tiburon Dr, Wilmington, NC 28403B4.5 ★Texas Ratio: 21.35%Real return: +1.30%APY minus CPI (February 2026) offering 1-Year CD at 4.10% APY. CD rates as of June 23, 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 1475 N New Hope Rd, Gastonia, NC 28054. 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: June 23, 2026
Compare Best CD Rates in North Carolina
North Carolina 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
Building 603 Suite 100, Liberty, NC 27298
3-Month Share Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Cecil County School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
10926 David Taylor Dr Ste 110, Charlotte, NC 28262 1042
3-Month Certificate Special
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Short Term. Quick Savings.
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
302 Charlotte St, Hamlet, NC 28345
3 Month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 21, 2026
Details
Live Oak Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.35%
1757 Tiburon Dr, Wilmington, NC 28403
3-month CD
$2,500
3.00%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedJun 16, 2026
Details
The minimum deposit required to open is $2,500 and the maximum is $250,000 per account. Penalties may apply to early withdrawals.
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
4997 Home Rd, Winston Salem, NC 27106
3 Month Certificate
$500
2.50%
▼
Rate2.47%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC 27103 2993
3 Month
$500
2.40%
▼
Rate2.37%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Revity Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.90%
217 N Greene St, Greensboro, NC 27401
Regular & IRA Certificates 3 Month
$500
2.33%
▼
Rate2.30%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC 27103 2993
3 Month
$500
2.30%
▼
Rate2.27%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Certificate
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 9.94%
7521 Pineville Matthews Rd, Charlotte, NC 28226
3 Mo Certificate
$10,000
2.22%
▼
Rate—
Min Deposit$10,000
Min Balance—
UpdatedJun 11, 2026
Details
3 Mo Certificate - $10k: 172% is the difference between the percent earned in interest between Advancial Federal Credit Union's rate at 2.22% APY compared to 0.82% APY for the Charlotte Metro market average over the life of a 3 month share certificate at $10,000.
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1815 Kildaire Farm Rd, Cary, NC 27518
90 Days
$0
1.92%
▼
Rate1.90%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
209 Turnersburg Hwy, Statesville, NC 28625 2797
3 Months
$0
1.25%
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
APY with Bonus Rate: 1.35%. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account.
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
15280 Us Highway 17, Hampstead, NC 28443
3 Month
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Relationship APY
Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
9377 N US Highway 301, Whitakers, NC 27891 8621
3 Month
$100,000
0.90%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedJun 11, 2026
Details
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.72%
6308 Falls of Neuse Rd, Raleigh, NC 27615
3 Months Short-Term Certificate
$0
0.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.72%
6308 Falls of Neuse Rd, Raleigh, NC 27615
Certificate IRAs (Traditional or Roth IRA) 3 Months
$0
0.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
9377 N US Highway 301, Whitakers, NC 27891 8621
3 Month
$500
0.85%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 11, 2026
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
1475 N New Hope Rd, Gastonia, NC 28054
90-Day Certificate
$0
0.80%
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Non-premier member APY: 0.55% | Dividend Rate: 0.55%
Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
3 Academy ST, Canton, NC 28716
Business Edge - 90 Day Certificate
$1,000
0.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
201 S Stratford Rd, Winston Salem, NC 27103
3 Month CD
$500
0.50%
▼
Rate0.50%
Min Deposit$500
Min Balance—
UpdatedJun 22, 2026
Details
An interest penalty will be imposed for early withdrawal from all certificate accounts. FDIC deposit insurance is now $250,000 per depositor. The minimum opening balance and the minimum balance needed to obtain the annual percentage yield are the same.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
227 W Morehead St, Reidsville, NC 27320
3 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedJun 16, 2026
Details
Relationship APY: 0.06%. Early withdrawal penalties may apply. Additional terms are available at a branch.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
227 W Morehead St, Reidsville, NC 27320
3 month Standard Fixed Rate CD
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedJun 16, 2026
Details
Relationship APY: 0.06%. Early withdrawal penalties may apply. Additional terms are available at a branch.
North Carolina 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Live Oak Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.35%
1757 Tiburon Dr, Wilmington, NC 28403
6-month CD
$2,500
3.90%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedJun 16, 2026
Details
The minimum deposit required to open is $2,500 and the maximum is $250,000 per account. Penalties may apply to early withdrawals.
First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★Texas Ratio: 54.48%
201 E ASH ST, GOLDSBORO, NC 27530
Share Certificates 6 Months
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
302 Charlotte St, Hamlet, NC 28345
6 Month
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedJun 21, 2026
Details
Roxboro Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
313 S Main St, Roxboro, NC 27573
6 Months
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Roxboro Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
313 S Main St, Roxboro, NC 27573
CDs 6 Months
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
1000 Saint Albans Dr, Raleigh, NC 27609
6 Month
$250
3.65%
▼
Rate3.59%
Min Deposit$250
Min Balance—
UpdatedJun 21, 2026
Details
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
1000 Saint Albans Dr, Raleigh, NC 27609
IRA Certificate 6 Month
$250
3.65%
▼
Rate3.59%
Min Deposit$250
Min Balance—
UpdatedJun 21, 2026
Details
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.47%
1125 ACADEMY ST N, AHOSKIE, NC 27910
Share Term Certificates (STCs) 6 months
$250
3.60%
▼
Rate3.60%
Min Deposit$250
Min Balance—
UpdatedJun 16, 2026
Details
CAROLINA
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
1200 E Church St, Cherryville, NC 28021 9211
6 Month CD
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
UpdatedJun 21, 2026
Details
Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
3 Academy ST, Canton, NC 28716
6-mo. Share Certificate
$1,000
3.55%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
3
Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
3 Academy ST, Canton, NC 28716
6-mo. Share Certificate
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
3
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
Building 603 Suite 100, Liberty, NC 27298
6-Month Share Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1 Floretta Pl, Raleigh, NC 27676 9803
6 Months (182 Days)
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJun 21, 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—
UpdatedJun 16, 2026
Details
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.89%
562 Caratoke Hwy, Moyock, NC 27958 8740
IRA Certificate - 6 Months (Reg/Roth/Educ)
$100,000
3.25%
▼
Rate3.20%
Min Deposit$100,000
Min Balance—
UpdatedJun 16, 2026
Details
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
4997 Home Rd, Winston Salem, NC 27106
6 Month Certificate
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.83%
100 W Morgan St, Durham, NC 27701 3315
Share Term Certificates Regular 6 Months
$500
3.20%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedJun 11, 2026
Details
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.89%
562 Caratoke Hwy, Moyock, NC 27958 8740
Certificate - 6 Months
$100,000
3.20%
▼
Rate3.15%
Min Deposit$100,000
Min Balance—
UpdatedJun 16, 2026
Details
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.89%
562 Caratoke Hwy, Moyock, NC 27958 8740
IRA Certificate - 6 Months (Reg/Roth/Educ)
$1,000
3.20%
▼
Rate3.15%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.89%
562 Caratoke Hwy, Moyock, NC 27958 8740
Certificate - 6 Months
$1,000
3.15%
▼
Rate3.10%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
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—
UpdatedJun 16, 2026
Details
* Early withdrawal penalties will substantially reduce stated APY by up to the equivalent of 180 days' dividends earned.
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
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—
UpdatedJun 16, 2026
Details
* Early withdrawal penalties will substantially reduce stated APY by up to the equivalent of 180 days' dividends earned.
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.26%
316 NC Hwy 149 N, Plymouth, NC 27962
Share Certificate 6 Months
$500
3.05%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
HealthShare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
HealthShare Credit Union, Greensboro, NC 27401
6-Month Share Certificate
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
6502 McMahan Dr, Charlotte, NC 28226
6 Month Term Certificate
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
4997 Home Rd, Winston Salem, NC 27106
6 Month Certificate
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Shuford Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.69%
882 16th St NE, Hickory, NC 28601
6 mo.
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Emergency Responders Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.22%
1777 Link Rd, Winston Salem, NC 27103 4625
Certificates of Deposit - 6 Months
$500
2.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Revity Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.90%
217 N Greene St, Greensboro, NC 27401
Regular & IRA Certificates 6 Month
$500
2.73%
▼
Rate2.70%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
803 Stiner Road, Fort Bragg, NC 28307
6 Month Certificate
$0
2.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
URW Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.38%
1092 NC Highway 86 N, Yanceyville, NC 27379
Share Certificates (Share & IRA) 6 Month
$1,000
2.53%
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Telco Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.69%
1720 Barlow Rd, Tarboro, NC 27886
6 Months
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC 27103 2993
6 Month
$500
2.45%
▼
Rate2.42%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC 27103 2993
6 Month
$500
2.35%
▼
Rate2.32%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Certificate
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1815 Kildaire Farm Rd, Cary, NC 27518
180 Days
$0
1.92%
▼
Rate1.90%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.72%
6308 Falls of Neuse Rd, Raleigh, NC 27615
Certificate IRAs (Traditional or Roth IRA) 6 Months
$0
1.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.72%
6308 Falls of Neuse Rd, Raleigh, NC 27615
6 Months Short-Term Certificate
$0
1.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
American Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.76%
618 N Scales St, Reidsville, NC 27320 2941
6 Month IRA and Share Certificates
$500
1.75%
▼
Rate1.74%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
201 S Stratford Rd, Winston Salem, NC 27103
6 Month CD
$500
1.75%
▼
Rate1.73%
Min Deposit$500
Min Balance—
UpdatedJun 22, 2026
Details
An interest penalty will be imposed for early withdrawal from all certificate accounts. FDIC deposit insurance is now $250,000 per depositor. The minimum opening balance and the minimum balance needed to obtain the annual percentage yield are the same.
Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
201 S Stratford Rd, Winston Salem, NC 27103
6 Month Fixed
$100
1.75%
▼
Rate1.73%
Min Deposit$100
Min Balance—
UpdatedJun 22, 2026
Details
An interest penalty will be imposed for early withdrawal from all certificate accounts. FDIC deposit insurance is now $250,000 per depositor. The minimum opening balance and the minimum balance needed to obtain the annual percentage yield are the same.
Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
9377 N US Highway 301, Whitakers, NC 27891 8621
6 Month
$100,000
1.60%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedJun 11, 2026
Details
Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
9377 N US Highway 301, Whitakers, NC 27891 8621
6 Month
$500
1.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 11, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
209 Turnersburg Hwy, Statesville, NC 28625 2797
6 Months
$0
1.50%
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
APY with Bonus Rate: 1.60%. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account.
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
15280 Us Highway 17, Hampstead, NC 28443
6 Month
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
1475 N New Hope Rd, Gastonia, NC 28054
6-Month Certificate
$0
0.85%
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Non-premier member APY: 0.60% | Dividend Rate: 0.60%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
227 W Morehead St, Reidsville, NC 27320
6 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedJun 16, 2026
Details
Relationship APY: 0.06%. Early withdrawal penalties may apply. Additional terms are available at a branch.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
227 W Morehead St, Reidsville, NC 27320
6 month Standard Fixed Rate CD
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedJun 16, 2026
Details
Relationship APY: 0.06%. Early withdrawal penalties may apply. Additional terms are available at a branch.
North Carolina 12 Month CD Rates
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: 2.84%
1475 N New Hope Rd, Gastonia, NC 28054
12-Month IRA Certificate
$0
4.50%
▼
Rate4.41%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Non-premier member APY: 4.25% | Dividend Rate: 4.17%
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1 Floretta Pl, Raleigh, NC 27676 9803
1 Year Starter Add-On
$0
4.25%
▼
Rate4.18%
Min Deposit$0
Min Balance—
UpdatedJun 21, 2026
Details
Live Oak Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.35%
1757 Tiburon Dr, Wilmington, NC 28403
1-Year CD
$2,500
4.10%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedJun 16, 2026
Details
The minimum deposit required to open is $2,500 and the maximum is $250,000 per account. Penalties may apply to early withdrawals.
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1 Floretta Pl, Raleigh, NC 27676 9803
1 Year Add-On Certificate
$0
4.10%
▼
Rate4.04%
Min Deposit$0
Min Balance—
UpdatedJun 21, 2026
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
302 Charlotte St, Hamlet, NC 28345
12 Month Special
$0
4.00%
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedJun 21, 2026
Details
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
1000 Saint Albans Dr, Raleigh, NC 27609
12 Month
$250
3.90%
▼
Rate3.83%
Min Deposit$250
Min Balance—
UpdatedJun 21, 2026
Details
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
1000 Saint Albans Dr, Raleigh, NC 27609
IRA Certificate 12 Month
$250
3.90%
▼
Rate3.83%
Min Deposit$250
Min Balance—
UpdatedJun 21, 2026
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1815 Kildaire Farm Rd, Cary, NC 27518
12 Months
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1815 Kildaire Farm Rd, Cary, NC 27518
Traditional IRA Certificate 12 Months
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
1475 N New Hope Rd, Gastonia, NC 28054
12-Month Certificate
$0
3.75%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Non-premier member APY: 3.50% | Dividend Rate: 3.44%
Emergency Responders Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.22%
1777 Link Rd, Winston Salem, NC 27103 4625
Certificates of Deposit - 12 Months
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.47%
1125 ACADEMY ST N, AHOSKIE, NC 27910
Share Term Certificates (STCs) 12 months
$250
3.75%
▼
Rate3.75%
Min Deposit$250
Min Balance—
UpdatedJun 16, 2026
Details
Fort Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.36%
4172 Hefner Dr, Fort Bragg, NC 28310
12-month CD
$25,000
3.75%
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedJun 16, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
301 W Main St, Durham, NC 27701
1-year Certificate
$0
3.72%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1815 Kildaire Farm Rd, Cary, NC 27518
12 Months
$0
3.70%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
URW Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.38%
1092 NC Highway 86 N, Yanceyville, NC 27379
Share Certificates (Share & IRA) 1 Year
$1,000
3.60%
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1 Floretta Pl, Raleigh, NC 27676 9803
1 Year
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 21, 2026
Details
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.83%
100 W Morgan St, Durham, NC 27701 3315
Share Term Certificates Regular 12 Months
$500
3.55%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedJun 11, 2026
Details
First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★Texas Ratio: 54.48%
201 E ASH ST, GOLDSBORO, NC 27530
Share Certificates 12 Months
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
1475 N New Hope Rd, Gastonia, NC 28054
12-Month Business Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Paramount Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.91%
8305 University Executive Park Dr, Charlotte, NC 28262
CD & IRA - 12 Months
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 23, 2026
Details
Quarterly Post or Interest Checks
Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
10810 Chapel Hill Rd, Morrisville, NC 27560
IRA Share Certificates 12 Months
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
CAROLINA
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
1200 E Church St, Cherryville, NC 28021 9211
1 Year CD
$50,000
3.50%
▼
Rate3.45%
Min Deposit$50,000
Min Balance—
UpdatedJun 21, 2026
Details
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
6502 McMahan Dr, Charlotte, NC 28226
12 Month Term Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
6502 McMahan Dr, Charlotte, NC 28226
12 Month CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
As high as
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.72%
6308 Falls of Neuse Rd, Raleigh, NC 27615
12 Month Fixed Rate
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.72%
6308 Falls of Neuse Rd, Raleigh, NC 27615
12 Months Long-Term Certificate
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.72%
6308 Falls of Neuse Rd, Raleigh, NC 27615
12 Months Short-Term Certificate
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.72%
6308 Falls of Neuse Rd, Raleigh, NC 27615
Certificate IRAs (Traditional or Roth IRA) 12 Months
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
CAROLINA
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
1200 E Church St, Cherryville, NC 28021 9211
1 Year CD
$1,000
3.45%
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
UpdatedJun 21, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
Building 603 Suite 100, Liberty, NC 27298
12-Month Share Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJun 16, 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 12 Months
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
Building 603 Suite 100, Liberty, NC 27298
12-Month Fixed
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Minimum balance to earn APY: $100,000
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1 Floretta Pl, Raleigh, NC 27676 9803
1 Year
$0
3.35%
▼
Rate3.31%
Min Deposit$0
Min Balance—
UpdatedJun 21, 2026
Details
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
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—
UpdatedJun 16, 2026
Details
* Early withdrawal penalties will substantially reduce stated APY by up to the equivalent of 180 days interest earned.
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
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—
UpdatedJun 16, 2026
Details
* Early withdrawal penalties will substantially reduce stated APY by up to the equivalent of 180 days' dividends earned.
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
4997 Home Rd, Winston Salem, NC 27106
12-month Share Certificate
$100
3.30%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedJun 16, 2026
Details
As of January 1, 2026, annual percentage yields for share certificates with a term of 12 months or longer vary between 2.25% and 3.30% depending on certificate type and term length. Bonus gift for opening a new consumer share certificate account with a term of 12 months or longer and funding with at least $100.
Benchmark Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
3619 Rogers Rd, Wake Forest, NC 27587
12 Months
$0
3.26%
▼
Rate3.22%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
4997 Home Rd, Winston Salem, NC 27106
12 Month Certificate
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
302 Charlotte St, Hamlet, NC 28345
12 Month
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 21, 2026
Details
HealthShare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.85%
HealthShare Credit Union, Greensboro, NC 27401
12-Month Share Certificate
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC 27103 2993
12 Month
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Shuford Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.69%
882 16th St NE, Hickory, NC 28601
12 mo.
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.89%
562 Caratoke Hwy, Moyock, NC 27958 8740
IRA Certificate - 12 Months (Reg/Roth/Educ)
$100,000
3.25%
▼
Rate3.20%
Min Deposit$100,000
Min Balance—
UpdatedJun 16, 2026
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2989 Tucker St, Burlington, NC 27215
1 Year
$500
3.25%
▼
Rate3.19%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.89%
562 Caratoke Hwy, Moyock, NC 27958 8740
12-Month Certificates
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.89%
562 Caratoke Hwy, Moyock, NC 27958 8740
Certificate - 12 Months
$100,000
3.20%
▼
Rate3.15%
Min Deposit$100,000
Min Balance—
UpdatedJun 16, 2026
Details
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.89%
562 Caratoke Hwy, Moyock, NC 27958 8740
IRA Certificate - 12 Months (Reg/Roth/Educ)
$1,000
3.20%
▼
Rate3.15%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Revity Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.90%
217 N Greene St, Greensboro, NC 27401
Save-to-Win Certificate 12 Month
$25
3.15%
▼
Rate3.10%
Min Deposit$25
Min Balance—
UpdatedJun 16, 2026
Details
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
4997 Home Rd, Winston Salem, NC 27106
12 Month Certificate
$500
3.15%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
North Carolina 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Emergency Responders Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.22%
1777 Link Rd, Winston Salem, NC 27103 4625
Certificates of Deposit - 18 Months
$500
4.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
Building 603 Suite 100, Liberty, NC 27298
18-Month Variable
$0
3.91%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Minimum balance to earn APY: $100,000
Live Oak Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.35%
1757 Tiburon Dr, Wilmington, NC 28403
18-Month CD
$2,500
3.90%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedJun 16, 2026
Details
The minimum deposit required to open is $2,500 and the maximum is $250,000 per account. Penalties may apply to early withdrawals.
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
1000 Saint Albans Dr, Raleigh, NC 27609
18 Month
$250
3.90%
▼
Rate3.83%
Min Deposit$250
Min Balance—
UpdatedJun 21, 2026
Details
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
1000 Saint Albans Dr, Raleigh, NC 27609
IRA Certificate 18 Month
$250
3.90%
▼
Rate3.83%
Min Deposit$250
Min Balance—
UpdatedJun 21, 2026
Details
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.47%
1125 ACADEMY ST N, AHOSKIE, NC 27910
Share Term Certificates (STCs) 18 months
$250
3.85%
▼
Rate3.85%
Min Deposit$250
Min Balance—
UpdatedJun 16, 2026
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1815 Kildaire Farm Rd, Cary, NC 27518
18 Months
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Corporate America Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
5870 Samet Dr Ste 113, High Point, NC 27265 3647
18-Month Share Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 11, 2026
Details
Limited time offer. New money only. Alero Financial membership required.
Shuford Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.69%
882 16th St NE, Hickory, NC 28601
18 mo.
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
302 Charlotte St, Hamlet, NC 28345
18 Month Special
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedJun 21, 2026
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1815 Kildaire Farm Rd, Cary, NC 27518
Traditional IRA Certificate 18 Months
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.83%
100 W Morgan St, Durham, NC 27701 3315
Share Term Certificates Regular 18 Months
$500
3.60%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedJun 11, 2026
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1815 Kildaire Farm Rd, Cary, NC 27518
18 Months
$0
3.60%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
6502 McMahan Dr, Charlotte, NC 28226
18 Month Term Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
1475 N New Hope Rd, Gastonia, NC 28054
18-Month IRA Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Non-premier member APY: 3.25% | Dividend Rate: 3.20%
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.72%
6308 Falls of Neuse Rd, Raleigh, NC 27615
18 Months Long-Term Certificate
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.72%
6308 Falls of Neuse Rd, Raleigh, NC 27615
Certificate IRAs (Traditional or Roth IRA) 18 Months
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 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—
UpdatedJun 16, 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—
UpdatedJun 16, 2026
Details
Roxboro Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
313 S Main St, Roxboro, NC 27573
18 months
$0
3.45%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
67 Pitts Station Rd, Marion, NC 28752 7925
18-month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
67 Pitts Station Rd, Marion, NC 28752 7925
IRA Certificates (CDs) 18-month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
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—
UpdatedJun 16, 2026
Details
* Early withdrawal penalties will substantially reduce stated APY by up to the equivalent of 180 days' dividends earned.
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.26%
316 NC Hwy 149 N, Plymouth, NC 27962
Share Certificate 18 Months
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Lumbee Guaranty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
403 E 3rd St, Pembroke, NC 28372
18 Month Fixed Rate IRA Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
Fixed Rate
Lumbee Guaranty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
403 E 3rd St, Pembroke, NC 28372
18 Month Variable Rate IRA Certificate of Deposit
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
Variable Rate
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
1475 N New Hope Rd, Gastonia, NC 28054
18-Month Certificate
$0
3.25%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Non-premier member APY: 3.00% | Dividend Rate: 2.96%
Roxboro Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
313 S Main St, Roxboro, NC 27573
18 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Roxboro Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
313 S Main St, Roxboro, NC 27573
CDs 18 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
4997 Home Rd, Winston Salem, NC 27106
18 Month Certificate
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC 27103 2993
18 Month
$500
3.15%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.89%
562 Caratoke Hwy, Moyock, NC 27958 8740
IRA Certificate - 18 Months (Reg/Roth/Educ)
$1,000
3.05%
▼
Rate3.01%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC 27103 2993
18 Month
$500
3.05%
▼
Rate3.01%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Certificate
Telco Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.69%
1720 Barlow Rd, Tarboro, NC 27886
18 Months
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.89%
562 Caratoke Hwy, Moyock, NC 27958 8740
Certificate - 18 Months
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
302 Charlotte St, Hamlet, NC 28345
18 Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJun 21, 2026
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
1475 N New Hope Rd, Gastonia, NC 28054
18-Month Business Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Revity Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.90%
217 N Greene St, Greensboro, NC 27401
Regular & IRA Certificates 18 Month
$500
2.94%
▼
Rate2.90%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
803 Stiner Road, Fort Bragg, NC 28307
18 Month Certificate
$0
2.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Telco Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.69%
1720 Barlow Rd, Tarboro, NC 27886
IRA Certificate 18 Months
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
IRA Certificate
American Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.76%
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—
UpdatedJun 16, 2026
Details
American Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.76%
618 N Scales St, Reidsville, NC 27320 2941
18-month Certificate
$0
2.72%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
2025 N Marine Blvd, Jacksonville, NC 28546
18 Months CD
$500
2.00%
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
9377 N US Highway 301, Whitakers, NC 27891 8621
18 Month
$100,000
1.85%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedJun 11, 2026
Details
Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
9377 N US Highway 301, Whitakers, NC 27891 8621
18 Month
$500
1.80%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 11, 2026
Details
Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
9377 N US Highway 301, Whitakers, NC 27891 8621
IRA Certificate 18 Month
$500
1.80%
▼
Rate1.79%
Min Deposit$500
Min Balance—
UpdatedJun 11, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
209 Turnersburg Hwy, Statesville, NC 28625 2797
18 Months
$0
1.60%
▼
Rate1.59%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
APY with Bonus Rate: 1.70%. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account.
Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
201 S Stratford Rd, Winston Salem, NC 27103
18 Month Fixed
$100
1.10%
▼
Rate1.09%
Min Deposit$100
Min Balance—
UpdatedJun 22, 2026
Details
An interest penalty will be imposed for early withdrawal from all certificate accounts. FDIC deposit insurance is now $250,000 per depositor. The minimum opening balance and the minimum balance needed to obtain the annual percentage yield are the same.
Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
201 S Stratford Rd, Winston Salem, NC 27103
18 Month CD
$500
1.01%
▼
Rate1.00%
Min Deposit$500
Min Balance—
UpdatedJun 22, 2026
Details
An interest penalty will be imposed for early withdrawal from all certificate accounts. FDIC deposit insurance is now $250,000 per depositor. The minimum opening balance and the minimum balance needed to obtain the annual percentage yield are the same.
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
15280 Us Highway 17, Hampstead, NC 28443
18 Month
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Relationship APY
North Carolina 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
1000 Saint Albans Dr, Raleigh, NC 27609
24 Month
$250
3.90%
▼
Rate3.83%
Min Deposit$250
Min Balance—
UpdatedJun 21, 2026
Details
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
1000 Saint Albans Dr, Raleigh, NC 27609
IRA Certificate 24 Month
$250
3.90%
▼
Rate3.83%
Min Deposit$250
Min Balance—
UpdatedJun 21, 2026
Details
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.47%
1125 ACADEMY ST N, AHOSKIE, NC 27910
Share Term Certificates (STCs) 24 months
$250
3.85%
▼
Rate3.85%
Min Deposit$250
Min Balance—
UpdatedJun 16, 2026
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1815 Kildaire Farm Rd, Cary, NC 27518
24 Months
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.83%
100 W Morgan St, Durham, NC 27701 3315
Share Term Certificates Regular 24 Months
$500
3.70%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedJun 11, 2026
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1815 Kildaire Farm Rd, Cary, NC 27518
Traditional IRA Certificate 24 Months
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1 Floretta Pl, Raleigh, NC 27676 9803
2 Years
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 21, 2026
Details
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
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—
UpdatedJun 16, 2026
Details
* Early withdrawal penalties will substantially reduce stated APY by up to the equivalent of 180 days interest earned.
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
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—
UpdatedJun 16, 2026
Details
* Early withdrawal penalties will substantially reduce stated APY by up to the equivalent of 180 days' dividends earned.
Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
10810 Chapel Hill Rd, Morrisville, NC 27560
IRA Share Certificates 24 Months
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Shuford Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.69%
882 16th St NE, Hickory, NC 28601
24 mo.
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Emergency Responders Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.22%
1777 Link Rd, Winston Salem, NC 27103 4625
Certificates of Deposit - 24 Months
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
302 Charlotte St, Hamlet, NC 28345
24 Month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 21, 2026
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
302 Charlotte St, Hamlet, NC 28345
24 Month Special
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 21, 2026
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
1475 N New Hope Rd, Gastonia, NC 28054
24-Month IRA Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Non-premier member APY: 3.25% | Dividend Rate: 3.20%
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
Building 603 Suite 100, Liberty, NC 27298
24-Month Fixed
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Minimum balance to earn APY: $100,000
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
Building 603 Suite 100, Liberty, NC 27298
24-Month Share Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 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—
UpdatedJun 16, 2026
Details
CAROLINA
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
1200 E Church St, Cherryville, NC 28021 9211
2 Year CD
$50,000
3.40%
▼
Rate3.35%
Min Deposit$50,000
Min Balance—
UpdatedJun 21, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1 Floretta Pl, Raleigh, NC 27676 9803
2 Years
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 21, 2026
Details
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.72%
6308 Falls of Neuse Rd, Raleigh, NC 27615
24 Month Fixed Rate
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.72%
6308 Falls of Neuse Rd, Raleigh, NC 27615
24 Months Long-Term Certificate
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.72%
6308 Falls of Neuse Rd, Raleigh, NC 27615
Certificate IRAs (Traditional or Roth IRA) 24 Months
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2989 Tucker St, Burlington, NC 27215
2 Years
$500
3.30%
▼
Rate3.24%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★Texas Ratio: 54.48%
201 E ASH ST, GOLDSBORO, NC 27530
Share Certificates 24 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.26%
316 NC Hwy 149 N, Plymouth, NC 27962
Share Certificate 24 Months
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1 Floretta Pl, Raleigh, NC 27676 9803
2 Years
$0
3.30%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedJun 21, 2026
Details
CAROLINA
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
1200 E Church St, Cherryville, NC 28021 9211
2 Year CD
$1,000
3.30%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedJun 21, 2026
Details
Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
201 S Stratford Rd, Winston Salem, NC 27103
24 Month CD
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedJun 22, 2026
Details
An interest penalty will be imposed for early withdrawal from all certificate accounts. FDIC deposit insurance is now $250,000 per depositor. The minimum opening balance and the minimum balance needed to obtain the annual percentage yield are the same.
Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
201 S Stratford Rd, Winston Salem, NC 27103
24 Month Fixed
$100
3.30%
▼
Rate3.25%
Min Deposit$100
Min Balance—
UpdatedJun 22, 2026
Details
An interest penalty will be imposed for early withdrawal from all certificate accounts. FDIC deposit insurance is now $250,000 per depositor. The minimum opening balance and the minimum balance needed to obtain the annual percentage yield are the same.
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
1475 N New Hope Rd, Gastonia, NC 28054
24-Month Certificate
$0
3.25%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Non-premier member APY: 3.00% | Dividend Rate: 2.96%
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
4997 Home Rd, Winston Salem, NC 27106
24 Month Certificate
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
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—
UpdatedJun 16, 2026
Details
Rates are variable and subject to change. Rate is effective as of 02.17.26. Certificate rates subject to change without notice, penalty applied for early withdrawal of funds, fees may affect earnings. Certificate rates available only for consumer accounts. For institutional rate inquiries or rates on our business products, please visit a Financial Center or contact Member Services at 336.774.3400 / 800.782.4670. Some transfer/withdrawal limitations and restrictions may apply. Fees may reduce the earnings.
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC 27103 2993
2 Year
$500
3.15%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
URW Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.38%
1092 NC Highway 86 N, Yanceyville, NC 27379
Share Certificates (Share & IRA) 2 Year
$1,000
3.09%
▼
Rate3.05%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC 27103 2993
2 Year
$500
3.05%
▼
Rate3.01%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Certificate
First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★Texas Ratio: 54.48%
201 E ASH ST, GOLDSBORO, NC 27530
IRA Certificates 24 Months
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
1475 N New Hope Rd, Gastonia, NC 28054
24-Month Business Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
302 Charlotte St, Hamlet, NC 28345
24 Month IRA
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJun 21, 2026
Details
American Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.76%
618 N Scales St, Reidsville, NC 27320 2941
24 Month IRA and Share Certificates
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Revity Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.90%
217 N Greene St, Greensboro, NC 27401
Regular & IRA Certificates 24 Month
$500
2.97%
▼
Rate2.95%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
6502 McMahan Dr, Charlotte, NC 28226
24 Month Term Certificate
$0
2.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
803 Stiner Road, Fort Bragg, NC 28307
2 Year Certificate
$0
2.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.89%
562 Caratoke Hwy, Moyock, NC 27958 8740
IRA Certificate - 24 Months (Reg/Roth/Educ)
$100,000
2.85%
▼
Rate2.81%
Min Deposit$100,000
Min Balance—
UpdatedJun 16, 2026
Details
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.89%
562 Caratoke Hwy, Moyock, NC 27958 8740
Certificate - 24 Months
$100,000
2.80%
▼
Rate2.77%
Min Deposit$100,000
Min Balance—
UpdatedJun 16, 2026
Details
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.89%
562 Caratoke Hwy, Moyock, NC 27958 8740
IRA Certificate - 24 Months (Reg/Roth/Educ)
$1,000
2.80%
▼
Rate2.76%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.89%
562 Caratoke Hwy, Moyock, NC 27958 8740
Certificate - 24 Months
$1,000
2.75%
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
67 Pitts Station Rd, Marion, NC 28752 7925
24-month term
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.89%
562 Caratoke Hwy, Moyock, NC 27958 8740
Bump Certificate - 24 Months
$1,000
2.50%
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Roxboro Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
313 S Main St, Roxboro, NC 27573
24 months
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
North Carolina 36 Month CD Rates
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: 4.34%
1 Floretta Pl, Raleigh, NC 27676 9803
3 Years Add-On Certificate
$0
4.15%
▼
Rate4.09%
Min Deposit$0
Min Balance—
UpdatedJun 21, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
Building 603 Suite 100, Liberty, NC 27298
36-Month Variable
$0
3.89%
▼
Rate3.82%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Minimum balance to earn APY: $100,000
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
301 W Main St, Durham, NC 27701
3-year Certificate
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Lumbee Guaranty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
403 E 3rd St, Pembroke, NC 28372
36 Month Fixed Rate IRA Certificate of Deposit
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 22, 2026
Details
Fixed Rate
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
1000 Saint Albans Dr, Raleigh, NC 27609
36 Month
$250
3.80%
▼
Rate3.74%
Min Deposit$250
Min Balance—
UpdatedJun 21, 2026
Details
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
1000 Saint Albans Dr, Raleigh, NC 27609
IRA Certificate 36 Month
$250
3.80%
▼
Rate3.74%
Min Deposit$250
Min Balance—
UpdatedJun 21, 2026
Details
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.47%
1125 ACADEMY ST N, AHOSKIE, NC 27910
Share Term Certificates (STCs) 36 months
$250
3.75%
▼
Rate3.75%
Min Deposit$250
Min Balance—
UpdatedJun 16, 2026
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1815 Kildaire Farm Rd, Cary, NC 27518
36 Months
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2989 Tucker St, Burlington, NC 27215
3 Year Executive
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
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—
UpdatedJun 16, 2026
Details
* Early withdrawal penalties will substantially reduce stated APY by up to the equivalent of 180 days interest earned.
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
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—
UpdatedJun 16, 2026
Details
* Early withdrawal penalties will substantially reduce stated APY by up to the equivalent of 180 days' dividends earned.
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—
UpdatedJun 16, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
Building 603 Suite 100, Liberty, NC 27298
36-Month Fixed
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Minimum balance to earn APY: $100,000
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
Building 603 Suite 100, Liberty, NC 27298
36-Month Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
10810 Chapel Hill Rd, Morrisville, NC 27560
IRA Share Certificates 36 Months
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1815 Kildaire Farm Rd, Cary, NC 27518
36 Months
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1815 Kildaire Farm Rd, Cary, NC 27518
Traditional IRA Certificate 36 Months
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.83%
100 W Morgan St, Durham, NC 27701 3315
Share Term Certificates Regular 36 Months
$500
3.40%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedJun 11, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1 Floretta Pl, Raleigh, NC 27676 9803
3 Years
$0
3.40%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedJun 21, 2026
Details
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.72%
6308 Falls of Neuse Rd, Raleigh, NC 27615
36 Months Long-Term Certificate
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.72%
6308 Falls of Neuse Rd, Raleigh, NC 27615
Certificate IRAs (Traditional or Roth IRA) 36 Months
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2989 Tucker St, Burlington, NC 27215
3 Years
$500
3.35%
▼
Rate3.29%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
4997 Home Rd, Winston Salem, NC 27106
36 Month Certificate
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.26%
316 NC Hwy 149 N, Plymouth, NC 27962
Share Certificate 36 Months
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
CAROLINA
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
1200 E Church St, Cherryville, NC 28021 9211
3 Year CD
$50,000
3.30%
▼
Rate3.25%
Min Deposit$50,000
Min Balance—
UpdatedJun 21, 2026
Details
American Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.76%
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—
UpdatedJun 16, 2026
Details
Shuford Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.69%
882 16th St NE, Hickory, NC 28601
36 mo.
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Emergency Responders Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.22%
1777 Link Rd, Winston Salem, NC 27103 4625
Certificates of Deposit - 36 Months
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
American Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.76%
618 N Scales St, Reidsville, NC 27320 2941
36-month Certificate
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
CAROLINA
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
1200 E Church St, Cherryville, NC 28021 9211
3 Year CD
$1,000
3.20%
▼
Rate3.15%
Min Deposit$1,000
Min Balance—
UpdatedJun 21, 2026
Details
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.89%
562 Caratoke Hwy, Moyock, NC 27958 8740
IRA Certificate - 36 Months (Reg/Roth/Educ)
$100,000
3.10%
▼
Rate3.06%
Min Deposit$100,000
Min Balance—
UpdatedJun 16, 2026
Details
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.89%
562 Caratoke Hwy, Moyock, NC 27958 8740
Certificate - 36 Months
$100,000
3.05%
▼
Rate3.01%
Min Deposit$100,000
Min Balance—
UpdatedJun 16, 2026
Details
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.89%
562 Caratoke Hwy, Moyock, NC 27958 8740
IRA Certificate - 36 Months (Reg/Roth/Educ)
$1,000
3.05%
▼
Rate3.01%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Revity Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.90%
217 N Greene St, Greensboro, NC 27401
Regular & IRA Certificates 36 Month
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★Texas Ratio: 54.48%
201 E ASH ST, GOLDSBORO, NC 27530
IRA Certificates 36 Months
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★Texas Ratio: 54.48%
201 E ASH ST, GOLDSBORO, NC 27530
Share Certificates 36 Months
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.89%
562 Caratoke Hwy, Moyock, NC 27958 8740
Certificate - 36 Months
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
1475 N New Hope Rd, Gastonia, NC 28054
36-Month Certificate
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Non-premier member APY: 2.75% | Dividend Rate: 2.72%
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
1475 N New Hope Rd, Gastonia, NC 28054
36-Month IRA Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Non-premier member APY: 2.75% | Dividend Rate: 2.72%
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
803 Stiner Road, Fort Bragg, NC 28307
3 Year Certificate
$0
2.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
6502 McMahan Dr, Charlotte, NC 28226
36 Month Term Certificate
$0
2.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.89%
562 Caratoke Hwy, Moyock, NC 27958 8740
Bump Certificate - 36 Months
$1,000
2.80%
▼
Rate2.76%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
67 Pitts Station Rd, Marion, NC 28752 7925
36-month term
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
1475 N New Hope Rd, Gastonia, NC 28054
36-Month Business Certificate
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC 27103 2993
3 Year
$500
2.70%
▼
Rate2.66%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC 27103 2993
3 Year
$500
2.60%
▼
Rate2.57%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Certificate
Paramount Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.91%
8305 University Executive Park Dr, Charlotte, NC 28262
CD & IRA - 36 Months
$1,000
2.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 23, 2026
Details
Quarterly Post or Interest Checks
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
67 Pitts Station Rd, Marion, NC 28752 7925
36-month term
$0
2.49%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
302 Charlotte St, Hamlet, NC 28345
36 Month
$0
2.25%
▼
Rate2.22%
Min Deposit$0
Min Balance—
UpdatedJun 21, 2026
Details
URW Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.38%
1092 NC Highway 86 N, Yanceyville, NC 27379
Share Certificates (Share & IRA) 3 Year
$1,000
2.06%
▼
Rate2.05%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
North Carolina 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
1000 Saint Albans Dr, Raleigh, NC 27609
48 Month
$250
3.90%
▼
Rate3.83%
Min Deposit$250
Min Balance—
UpdatedJun 21, 2026
Details
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
1000 Saint Albans Dr, Raleigh, NC 27609
IRA Certificate 48 Month
$250
3.90%
▼
Rate3.83%
Min Deposit$250
Min Balance—
UpdatedJun 21, 2026
Details
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.47%
1125 ACADEMY ST N, AHOSKIE, NC 27910
Share Term Certificates (STCs) 48 months
$250
3.85%
▼
Rate3.85%
Min Deposit$250
Min Balance—
UpdatedJun 16, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
Building 603 Suite 100, Liberty, NC 27298
48-Month Fixed
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Minimum balance to earn APY: $100,000
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
Building 603 Suite 100, Liberty, NC 27298
48-Month Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
American Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.76%
618 N Scales St, Reidsville, NC 27320 2941
48 Month IRA and Share Certificates
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
10810 Chapel Hill Rd, Morrisville, NC 27560
IRA Share Certificates 48 Months
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.72%
6308 Falls of Neuse Rd, Raleigh, NC 27615
48 Months Long-Term Certificate
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.72%
6308 Falls of Neuse Rd, Raleigh, NC 27615
Certificate IRAs (Traditional or Roth IRA) 48 Months
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1815 Kildaire Farm Rd, Cary, NC 27518
48 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.83%
100 W Morgan St, Durham, NC 27701 3315
Share Term Certificates Regular 48 Months
$500
3.30%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedJun 11, 2026
Details
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
4997 Home Rd, Winston Salem, NC 27106
48 Month Certificate
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1815 Kildaire Farm Rd, Cary, NC 27518
48 Months
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1815 Kildaire Farm Rd, Cary, NC 27518
Traditional IRA Certificate 48 Months
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Revity Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.90%
217 N Greene St, Greensboro, NC 27401
Regular & IRA Certificates 48 Month
$500
3.09%
▼
Rate3.05%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★Texas Ratio: 54.48%
201 E ASH ST, GOLDSBORO, NC 27530
IRA Certificates 48 Months
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★Texas Ratio: 54.48%
201 E ASH ST, GOLDSBORO, NC 27530
Share Certificates 48 Months
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
1475 N New Hope Rd, Gastonia, NC 28054
48-Month Certificate
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Non-premier member APY: 2.75% | Dividend Rate: 2.72%
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
1475 N New Hope Rd, Gastonia, NC 28054
48-Month IRA Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Non-premier member APY: 2.75% | Dividend Rate: 2.72%
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
803 Stiner Road, Fort Bragg, NC 28307
4 Year Certificate
$0
2.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
67 Pitts Station Rd, Marion, NC 28752 7925
48-month term
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
6502 McMahan Dr, Charlotte, NC 28226
48 Month Term Certificate
$0
2.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
1475 N New Hope Rd, Gastonia, NC 28054
48-Month Business Certificate
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC 27103 2993
4 Year
$500
2.70%
▼
Rate2.66%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
67 Pitts Station Rd, Marion, NC 28752 7925
48-month term
$0
2.64%
▼
Rate2.61%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC 27103 2993
4 Year
$500
2.60%
▼
Rate2.57%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Certificate
Paramount Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.91%
8305 University Executive Park Dr, Charlotte, NC 28262
CD & IRA - 48 Months
$1,000
2.55%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 23, 2026
Details
Quarterly Post or Interest Checks
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
302 Charlotte St, Hamlet, NC 28345
48 Month
$0
2.30%
▼
Rate2.27%
Min Deposit$0
Min Balance—
UpdatedJun 21, 2026
Details
Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
9377 N US Highway 301, Whitakers, NC 27891 8621
4 Year
$100,000
2.10%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedJun 11, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
209 Turnersburg Hwy, Statesville, NC 28625 2797
48 Months
$0
2.05%
▼
Rate2.03%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
APY with Bonus Rate: 2.15%. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account.
Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
9377 N US Highway 301, Whitakers, NC 27891 8621
IRA Certificate 4 Year
$500
2.05%
▼
Rate2.03%
Min Deposit$500
Min Balance—
UpdatedJun 11, 2026
Details
Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
9377 N US Highway 301, Whitakers, NC 27891 8621
4 Year
$500
2.05%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 11, 2026
Details
Telco Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.69%
1720 Barlow Rd, Tarboro, NC 27886
48 Months
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Live Oak Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.35%
1757 Tiburon Dr, Wilmington, NC 28403
4-Year CD
$2,500
2.00%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedJun 16, 2026
Details
The minimum deposit required to open is $2,500 and the maximum is $250,000 per account. Penalties may apply to early withdrawals.
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
302 Charlotte St, Hamlet, NC 28345
48 Month IRA
$0
1.80%
▼
Rate1.78%
Min Deposit$0
Min Balance—
UpdatedJun 21, 2026
Details
Telco Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.69%
1720 Barlow Rd, Tarboro, NC 27886
IRA Certificate 48 Months
$0
1.76%
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
IRA Certificate
Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
201 S Stratford Rd, Winston Salem, NC 27103
48 Month CD
$500
1.10%
▼
Rate1.09%
Min Deposit$500
Min Balance—
UpdatedJun 22, 2026
Details
An interest penalty will be imposed for early withdrawal from all certificate accounts. FDIC deposit insurance is now $250,000 per depositor. The minimum opening balance and the minimum balance needed to obtain the annual percentage yield are the same.
Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
201 S Stratford Rd, Winston Salem, NC 27103
48 Month Fixed
$100
1.10%
▼
Rate1.09%
Min Deposit$100
Min Balance—
UpdatedJun 22, 2026
Details
An interest penalty will be imposed for early withdrawal from all certificate accounts. FDIC deposit insurance is now $250,000 per depositor. The minimum opening balance and the minimum balance needed to obtain the annual percentage yield are the same.
Roxboro Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
313 S Main St, Roxboro, NC 27573
48 Months
$0
0.80%
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Roxboro Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
313 S Main St, Roxboro, NC 27573
CDs 48 Months
$0
0.80%
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
North Carolina 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 9.94%
7521 Pineville Matthews Rd, Charlotte, NC 28226
Jumbo, 5 Year Term Certificate
$0
4.34%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
1000 Saint Albans Dr, Raleigh, NC 27609
IRA Certificate 60 Month
$250
4.15%
▼
Rate4.07%
Min Deposit$250
Min Balance—
UpdatedJun 21, 2026
Details
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
1000 Saint Albans Dr, Raleigh, NC 27609
60 Month
$250
4.15%
▼
Rate4.07%
Min Deposit$250
Min Balance—
UpdatedJun 21, 2026
Details
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.47%
1125 ACADEMY ST N, AHOSKIE, NC 27910
Share Term Certificates (STCs) 60 months
$250
3.85%
▼
Rate3.85%
Min Deposit$250
Min Balance—
UpdatedJun 16, 2026
Details
American Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.76%
618 N Scales St, Reidsville, NC 27320 2941
60 Month IRA and Share Certificates
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1 Floretta Pl, Raleigh, NC 27676 9803
5 Years
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJun 21, 2026
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2989 Tucker St, Burlington, NC 27215
5 Year Executive
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
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—
UpdatedJun 16, 2026
Details
* Early withdrawal penalties will substantially reduce stated APY by up to the equivalent of 180 days interest earned.
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
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—
UpdatedJun 16, 2026
Details
* Early withdrawal penalties will substantially reduce stated APY by up to the equivalent of 180 days' dividends earned.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
Building 603 Suite 100, Liberty, NC 27298
60-Month Fixed
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Minimum balance to earn APY: $100,000
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
Building 603 Suite 100, Liberty, NC 27298
60-Month Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
10810 Chapel Hill Rd, Morrisville, NC 27560
IRA Share Certificates 60 Months
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1 Floretta Pl, Raleigh, NC 27676 9803
5 Years
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedJun 21, 2026
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2989 Tucker St, Burlington, NC 27215
5 Years
$500
3.40%
▼
Rate3.34%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.72%
6308 Falls of Neuse Rd, Raleigh, NC 27615
60 Month Fixed Rate
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.72%
6308 Falls of Neuse Rd, Raleigh, NC 27615
Certificate IRAs (Traditional or Roth IRA) 60 Months
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.72%
6308 Falls of Neuse Rd, Raleigh, NC 27615
60 Months Long-Term Certificate
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.83%
100 W Morgan St, Durham, NC 27701 3315
Share Term Certificates Regular 60 Months
$500
3.30%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedJun 11, 2026
Details
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
4997 Home Rd, Winston Salem, NC 27106
60 Month Certificate
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1815 Kildaire Farm Rd, Cary, NC 27518
60 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
CAROLINA
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
1200 E Church St, Cherryville, NC 28021 9211
5 Year CD
$50,000
3.20%
▼
Rate3.15%
Min Deposit$50,000
Min Balance—
UpdatedJun 21, 2026
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1815 Kildaire Farm Rd, Cary, NC 27518
60 Months
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1815 Kildaire Farm Rd, Cary, NC 27518
Traditional IRA Certificate 60 Months
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Revity Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.90%
217 N Greene St, Greensboro, NC 27401
Regular & IRA Certificates 60 Month
$500
3.15%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
67 Pitts Station Rd, Marion, NC 28752 7925
60-month term
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.89%
562 Caratoke Hwy, Moyock, NC 27958 8740
IRA Certificate - 60 Months (Reg/Roth/Educ)
$100,000
3.10%
▼
Rate3.06%
Min Deposit$100,000
Min Balance—
UpdatedJun 16, 2026
Details
CAROLINA
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
1200 E Church St, Cherryville, NC 28021 9211
5 Year CD
$1,000
3.10%
▼
Rate3.06%
Min Deposit$1,000
Min Balance—
UpdatedJun 21, 2026
Details
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.89%
562 Caratoke Hwy, Moyock, NC 27958 8740
IRA Certificate - 60 Months (Reg/Roth/Educ)
$1,000
3.05%
▼
Rate3.01%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.89%
562 Caratoke Hwy, Moyock, NC 27958 8740
Certificate - 60 Months
$100,000
3.05%
▼
Rate3.01%
Min Deposit$100,000
Min Balance—
UpdatedJun 16, 2026
Details
First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★Texas Ratio: 54.48%
201 E ASH ST, GOLDSBORO, NC 27530
IRA Certificates 60 Months
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★Texas Ratio: 54.48%
201 E ASH ST, GOLDSBORO, NC 27530
Share Certificates 60 Months
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.89%
562 Caratoke Hwy, Moyock, NC 27958 8740
Certificate - 60 Months
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Roxboro Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
313 S Main St, Roxboro, NC 27573
60 Months
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Roxboro Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
313 S Main St, Roxboro, NC 27573
CDs 60 Months
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
1475 N New Hope Rd, Gastonia, NC 28054
60-Month Certificate
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Non-premier member APY: 2.75% | Dividend Rate: 2.72%
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
1475 N New Hope Rd, Gastonia, NC 28054
60-Month IRA Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Non-premier member APY: 2.75% | Dividend Rate: 2.72%
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
803 Stiner Road, Fort Bragg, NC 28307
5 Year Certificate
$0
2.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
67 Pitts Station Rd, Marion, NC 28752 7925
60-month term
$0
2.84%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
302 Charlotte St, Hamlet, NC 28345
60 Month
$0
2.80%
▼
Rate2.76%
Min Deposit$0
Min Balance—
UpdatedJun 21, 2026
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.84%
1475 N New Hope Rd, Gastonia, NC 28054
60-Month Business Certificate
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJun 23, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC 27103 2993
5 Year
$500
2.70%
▼
Rate2.66%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC 27103 2993
5 Year
$500
2.60%
▼
Rate2.57%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Certificate
Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
2025 N Marine Blvd, Jacksonville, NC 28546
60 Months CD
$500
2.50%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedJun 23, 2026
Details
Telco Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.69%
1720 Barlow Rd, Tarboro, NC 27886
IRA Certificate 60 Months
$0
2.33%
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
IRA Certificate
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
302 Charlotte St, Hamlet, NC 28345
60 Month IRA
$0
2.30%
▼
Rate2.27%
Min Deposit$0
Min Balance—
UpdatedJun 21, 2026
Details
Telco Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.69%
1720 Barlow Rd, Tarboro, NC 27886
60 Months
$0
2.27%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
6502 McMahan Dr, Charlotte, NC 28226
60 Month Term Certificate
$0
2.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
9377 N US Highway 301, Whitakers, NC 27891 8621
5 Year
$100,000
2.15%
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedJun 11, 2026
Details
Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
9377 N US Highway 301, Whitakers, NC 27891 8621
5 Year
$500
2.10%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 11, 2026
Details
Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
9377 N US Highway 301, Whitakers, NC 27891 8621
IRA Certificate 5 Year
$500
2.10%
▼
Rate2.08%
Min Deposit$500
Min Balance—
UpdatedJun 11, 2026
Details
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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.
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
2.617%
▼ 0.001 vs 7 days ago
North Carolina 12-month CD rates fell 0.001 points over the past 7 days to 2.617% APY.
6-Month CD — NC Avg
1.740%
Unchanged vs 7 days ago
North Carolina 6-month CD rates currently average 1.740% APY based on data from institutions in our monitoring network.
As of Jun 23, 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 June 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
NC 12-Month Avg APY
2.617%
6-Month Forecast
2.617%
Range: 2.42% – 2.77%
12-Month Forecast
2.367%
Range: 2.17% – 2.52%
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 | 0.466% | $23.30 | $46.60 | $116.50 | $233.00 |
| 6-Month CD | 1.740% | $86.98 | $173.96 | $434.90 | $869.80 |
| 12-Month CD | 2.617% | $130.84 | $261.67 | $654.18 | $1,308.35 |
| 18-Month CD | 3.399% | $169.97 | $339.93 | $849.83 | $1,699.65 |
| 24-Month CD | 3.471% | $173.57 | $347.13 | $867.83 | $1,735.65 |
| 36-Month CD | 3.379% | $168.97 | $337.94 | $844.85 | $1,689.70 |
| 48-Month CD | 3.415% | $170.76 | $341.52 | $853.80 | $1,707.60 |
| 60-Month CD | 3.374% | $168.72 | $337.44 | $843.60 | $1,687.20 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of June 23, 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 | 0.466% | $23.30 |
| 2 | 6-Month CD | $5,000 | 1.740% | $86.98 |
| 3 | 12-Month CD | $5,000 | 2.617% | $130.84 |
| 4 | 24-Month CD | $5,000 | 3.471% | $173.57 |
| 5 | 36-Month CD | $5,000 | 3.379% | $168.97 |
| Total ($25,000 invested) | $25,000 | 2.335% blended | $583.66/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.
340
CD Rates
Tracked in North Carolina
Tracked in North Carolina
14 Banks
33 Credit Unions
About Our North Carolina CD Rate Database
MonitorBankRates tracks 340 CD rates from 14 banks and 33 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 33 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 — 47 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
$113/yr
At NC 12-mo avg 2.617% 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 2.617%, saving 10% of the local median salary ($4,302/year) and putting it in a CD would earn an additional $113 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 |
How Certificates of Deposit Work in North Carolina
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in North Carolina typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in North Carolina as everywhere in the U.S.
Choosing a CD Term in North Carolina
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give North Carolina savers easier access to their funds. For example, Live Oak Bank is offering its 6-month CD at 3.90% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, ADVANCIAL is offering its Jumbo, 5 Year Term Certificate at 4.34% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for North Carolina Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a North Carolina saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in North Carolina
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the North Carolina CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in North Carolina
Most CDs carry a fixed rate that is locked for the entire term, protecting a North Carolina depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
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)
- ADVANCIAL: 4.34% APY (Jumbo, 5 Year Term Certificate)
- U S POSTAL SERVICE: 4.25% APY (1 Year Starter Add-On)
- COASTAL: 4.15% APY (60 Month)
- Live Oak Bank: 4.10% APY (1-Year CD)
- Emergency Responders Credit Union: 4.00% APY (Certificates of Deposit - 18 Months)
- REV: 4.00% APY (12 Month Special)
- UNIFY Financial Federal Credit Union: 3.91% APY (18-Month Variable)
- First Flight Federal Credit Union: 3.87% APY (12 Months)
- State Employees Credit Union: 3.85% APY (Share Term Certificates (STCs) 18 months)
Rates reflect recent verified offers available in North Carolina. Last Updated: June 23, 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 0.466% (3-month) to 3.379% (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 2.617% 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: June 23, 2026
Cities in North Carolina
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