North Carolina Best CD Rates September 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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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 Founders Federal Credit UnionFounders Federal Credit Union11115 S Tryon St, Charlotte, NC 28273A+5.0 ★Texas Ratio: 4.16%Real return: +1.78%APY minus CPI (February 2026) offering SmartStart 12 Month Certificate at 4.58% APY, 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, Crescent BankCrescent Bank10115 Kincey Ave, Huntersville, NC 28078C4.0 ★Texas Ratio: 27.16%Real return: +1.45%APY minus CPI (February 2026) offering 24-month CD at 4.25% 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, and Lions Share Federal Credit UnionLions Share Federal Credit Union850 Harrison Rd, Salisbury, NC 28147 9021B+4.8 ★Texas Ratio: 10.98%Real return: +1.35%APY minus CPI (February 2026) offering 12-Month IRA CD at 4.15% APY. CD rates as of September 1, 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 4.58% APY from Founders Federal Credit Union at 11115 S Tryon St, Charlotte, NC 28273. 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: September 1, 2026
Compare Best CD Rates in North Carolina
North Carolina 3 Month CD Rates
MonitorBankRates National Average — 3 Month CD1.96% APY▲ 0.02% from last week
The national average 3-month CD rate is 1.96% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Empeople Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
2000 John Deere Run, Cary, NC 27513
3 Month Certificate
$5,000
3.75%
▲ 1.79% above national avg
▼
Rate3.69%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.79% above avg
Details
For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate. **3 Month Certificate requires a minimum deposit of $5,000.
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
$500
3.55%
▲ 1.59% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.59% above avg
Details
New Money Minimum
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
302 Charlotte St, Hamlet, NC 28345
3 Month
$0
3.50%
▲ 1.54% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.54% above avg
Details
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
3101 S Church St, Burlington, NC 27215
3 Month CD
$0
3.00%
▲ 1.04% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 1.04% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
4100 Clemmons Rd, Clemmons, NC 27012
3 Month Term
$0
2.50%
▲ 0.54% above national avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.54% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
4100 Clemmons Rd, Clemmons, NC 27012
Business 3 Month Term
$0
2.50%
▲ 0.54% above national avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.54% above avg
Details
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%
▲ 0.54% above national avg
▼
Rate2.47%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.54% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
4100 Clemmons Rd, Clemmons, NC 27012
3 Month Term
$0
2.45%
▲ 0.49% above national avg
▼
Rate2.42%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.49% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
4100 Clemmons Rd, Clemmons, NC 27012
Business 3 Month Term
$0
2.45%
▲ 0.49% above national avg
▼
Rate2.42%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.49% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
4100 Clemmons Rd, Clemmons, NC 27012
3 Month Term
$0
2.40%
▲ 0.44% above national avg
▼
Rate2.37%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.44% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
4100 Clemmons Rd, Clemmons, NC 27012
Business 3 Month Term
$0
2.40%
▲ 0.44% above national avg
▼
Rate2.37%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.44% above avg
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC 27103 2993
IRA Certificate 3 Month
$500
2.40%
▲ 0.44% above national avg
▼
Rate2.37%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.44% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
4100 Clemmons Rd, Clemmons, NC 27012
3 Month Term
$0
2.34%
▲ 0.38% above national avg
▼
Rate2.32%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.38% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
4100 Clemmons Rd, Clemmons, NC 27012
Business 3 Month Term
$0
2.34%
▲ 0.38% above national avg
▼
Rate2.32%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.38% above avg
Details
Revity Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.90%
217 N Greene St, Greensboro, NC 27401
Jumbo & Jumbo IRA Certificates 3 Month
$0
2.33%
▲ 0.37% above national avg
▼
Rate2.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.37% above avg
Details
Revity Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.90%
217 N Greene St, Greensboro, NC 27401
Mini Jumbo & Mini Jumbo IRA Certificate 3 Month
$0
2.33%
▲ 0.37% above national avg
▼
Rate2.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.37% above avg
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
$0
2.33%
▲ 0.37% above national avg
▼
Rate2.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.37% above avg
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%
▲ 0.34% above national avg
▼
Rate2.27%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.34% above avg
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1815 Kildaire Farm Rd, Cary, NC 27518
90 Days
$0
2.02%
▲ 0.06% above national avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▲ 0.06% above avg
Details
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%
▼ 0.04% below national avg
▼
Rate1.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.04% below avg
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%
▼ 0.71% below national avg
▼
Rate1.24%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.71% below avg
Details
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%
▼ 0.96% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.96% below avg
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
15280 Us Highway 17, Hampstead, NC 28443
3 Month TD Choice CD
$250
1.00%
▼ 0.96% below national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 0.96% below avg
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%
▼ 1.06% below national avg
▼
Rate0.90%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.06% below avg
Details
Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
9377 N US Highway 301, Whitakers, NC 27891 8621
Business 3 Month
$100,000
0.90%
▼ 1.06% below national avg
▼
Rate0.90%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.06% below avg
Details
Benchmark Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
3619 Rogers Rd, Wake Forest, NC 27587
Premium - 3 Months
$0
0.85%
▼ 1.11% below national avg
▼
Rate0.85%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.11% below avg
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%
▼ 1.11% below national avg
▼
Rate0.85%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.11% below avg
Details
Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
9377 N US Highway 301, Whitakers, NC 27891 8621
Business 3 Month
$500
0.85%
▼ 1.11% below national avg
▼
Rate0.85%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.11% below avg
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%
▼ 1.16% below national avg
▼
Rate0.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.16% below avg
Details
Non-premier member APY: 0.55% | Dividend Rate: 0.55%
Benchmark Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
3619 Rogers Rd, Wake Forest, NC 27587
Regular Time Deposits & IRAs - 3 Months
$0
0.60%
▼ 1.36% below national avg
▼
Rate0.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.36% below avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
67 Pitts Station Rd, Marion, NC 28752 7925
3-month term
$0
0.60%
▼ 1.36% below national avg
▼
Rate0.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.36% below avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
67 Pitts Station Rd, Marion, NC 28752 7925
3-month term Standard CDs
$0
0.60%
▼ 1.36% below national avg
▼
Rate0.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.36% below avg
Details
Rewards APY 0.60% Regular APY 0.50% Dividend Rate 0.50%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
67 Pitts Station Rd, Marion, NC 28752 7925
3-month term Standard CDs Rewards
$0
0.60%
▼ 1.36% below national avg
▼
Rate0.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.36% below avg
Details
Regular APY 0.50% Dividend Rate 0.50%
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
0.55%
▼ 1.41% below national avg
▼
Rate0.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.41% below avg
Details
Premier Member APY: 0.80% | Dividend Rate: 0.80%
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%
▼ 1.46% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.46% below avg
Details
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%
▼ 1.90% below national avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.90% below avg
Details
Early withdrawal penalties may apply. Additional terms are available at a branch. Relationship Interest Rate 0.06%.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
227 W Morehead St, Reidsville, NC 27320
3 month Standard Interest Rate
$2,500
0.06%
▼ 1.90% below national avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.90% below avg
Details
Relationship APY 0.06%
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%
▼ 1.91% below national avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.91% below avg
Details
Relationship APY 0.06%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
227 W Morehead St, Reidsville, NC 27320
3 month Standard Interest Rate
$2,500
0.05%
▼ 1.91% below national avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.96%▼ 1.91% below avg
Details
Relationship Interest Rate 0.06%
North Carolina 6 Month CD Rates
MonitorBankRates National Average — 6 Month CD2.67% APY▲ 0.03% from last week
The national average 6-month CD rate is 2.67% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Empeople Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
2000 John Deere Run, Cary, NC 27513
6 Month Certificate
$500
4.00%
▲ 1.33% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details
For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
1000 Saint Albans Dr, Raleigh, NC 27609
6 Month
$250
4.00%
▲ 1.33% above national avg
▼
Rate3.93%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
1000 Saint Albans Dr, Raleigh, NC 27609
IRA Certificate 6 Month
$250
4.00%
▲ 1.33% above national avg
▼
Rate3.93%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.33% above avg
Details
First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★Texas Ratio: 54.48%
201 E ASH ST, GOLDSBORO, NC 27530
Share Certificates 6 Months
$5,000
3.80%
▲ 1.13% above national avg
▼
Rate3.75%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.13% above avg
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
302 Charlotte St, Hamlet, NC 28345
6 Month
$0
3.75%
▲ 1.08% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.08% above avg
Details
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
2500 NC Highway 86 S, Hillsborough, NC 27278
IRA Share Certificate (180 Day)
$0
3.70%
▲ 1.03% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.03% above avg
Details
United Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
6144 Us Highway 301 S, Four Oaks, NC 27524
6-month CD
$2,500
3.65%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.98% above avg
Details
Interest earned on your CD will be compounded daily and credited to your certificate of deposit monthly. Subject to early withdrawal penalty. Automatically renews on the maturity date.
Roxboro Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
313 S Main St, Roxboro, NC 27573
6 Months
$0
3.65%
▲ 0.98% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.98% above avg
Details
Roxboro Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
313 S Main St, Roxboro, NC 27573
Certificates of Deposit (CDs) 6 Months
$0
3.65%
▲ 0.98% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.98% above avg
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%
▲ 0.93% above national avg
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.93% above avg
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%
▲ 0.88% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.88% above avg
Details
TCP Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
3051 Westinghouse Rd, Rural Hall, NC 27045 9570
Share Term Certificate - 6 Month
$250
3.54%
▲ 0.87% above national avg
▼
Rate3.50%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.87% above avg
Details
Fixed Rate
Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
10810 Chapel Hill Rd, Morrisville, NC 27560
6 Months
$500
3.50%
▲ 0.83% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.83% above avg
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
3.50%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.83% above avg
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) Certificate
$0
3.30%
▲ 0.63% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.63% above avg
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%
▲ 0.58% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.58% above avg
Details
Balance: $50,000.00 or greater
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%
▲ 0.53% above national avg
▼
Rate3.15%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.53% above avg
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%
▲ 0.48% above national avg
▼
Rate3.10%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.48% above avg
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%
▲ 0.43% above national avg
▼
Rate3.05%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.43% above avg
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 Share Certificate
$500
3.10%
▲ 0.43% above national avg
▼
Rate3.05%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.43% above avg
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
3.05%
▲ 0.38% above national avg
▼
Rate3.01%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.38% above avg
Details
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.26%
316 NC Hwy 149 N, Plymouth, NC 27962
6 Months Share Certificate
$500
3.05%
▲ 0.38% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.38% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
4100 Clemmons Rd, Clemmons, NC 27012
6 Month Term
$0
3.00%
▲ 0.33% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.33% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
4100 Clemmons Rd, Clemmons, NC 27012
Business 6 Month Term
$0
3.00%
▲ 0.33% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.33% above avg
Details
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
3101 S Church St, Burlington, NC 27215
6 Month CD
$0
3.00%
▲ 0.33% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.33% above avg
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
3.00%
▲ 0.33% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.33% above avg
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%
▲ 0.33% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.33% above avg
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%
▲ 0.33% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.33% above avg
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%
▲ 0.33% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.33% above avg
Details
WNC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
27 Kent Ln, Waynesville, NC 28786 6099
6-Month Share Certificate
$0
3.00%
▲ 0.33% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.33% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
4100 Clemmons Rd, Clemmons, NC 27012
6 Month Term
$0
2.95%
▲ 0.28% above national avg
▼
Rate2.91%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.28% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
4100 Clemmons Rd, Clemmons, NC 27012
Business 6 Month Term
$0
2.95%
▲ 0.28% above national avg
▼
Rate2.91%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.28% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
4100 Clemmons Rd, Clemmons, NC 27012
6 Month Term
$0
2.90%
▲ 0.23% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.23% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
4100 Clemmons Rd, Clemmons, NC 27012
Business 6 Month Term
$0
2.90%
▲ 0.23% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.23% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
4100 Clemmons Rd, Clemmons, NC 27012
6 Month Term
$0
2.84%
▲ 0.17% above national avg
▼
Rate2.81%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.17% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
4100 Clemmons Rd, Clemmons, NC 27012
Business 6 Month Term
$0
2.84%
▲ 0.17% above national avg
▼
Rate2.81%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.17% above avg
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
2.80%
▲ 0.13% above national avg
▼
Rate2.77%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.13% above avg
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
2.78%
▲ 0.11% above national avg
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.11% above avg
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
2.75%
▲ 0.08% above national avg
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.08% above avg
Details
Emergency Responders Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.22%
1777 Link Rd, Winston Salem, NC 27103 4625
6 Months
$500
2.75%
▲ 0.08% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.08% above avg
Details
CS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
6519 Comm Scope Rd, Catawba, NC 28609
6 Month Share Certificate
$500
2.75%
▲ 0.08% above national avg
▼
Rate2.72%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.08% above avg
Details
CS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
6519 Comm Scope Rd, Catawba, NC 28609
6-Month IRA Share Certificate
$500
2.75%
▲ 0.08% above national avg
▼
Rate2.72%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.08% above avg
Details
Revity Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.90%
217 N Greene St, Greensboro, NC 27401
Jumbo & Jumbo IRA Certificates 6 Month
$0
2.73%
▲ 0.06% above national avg
▼
Rate2.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.06% above avg
Details
Revity Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.90%
217 N Greene St, Greensboro, NC 27401
Mini Jumbo & Mini Jumbo IRA Certificate 6 Month
$0
2.73%
▲ 0.06% above national avg
▼
Rate2.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.06% above avg
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
$0
2.73%
▲ 0.06% above national avg
▼
Rate2.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.06% above avg
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%
▲ 0.03% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.03% above avg
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%
▼ 0.14% below national avg
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 0.14% below avg
Details
Telco Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.69%
1720 Barlow Rd, Tarboro, NC 27886
6 Month Certificate
$0
2.53%
▼ 0.14% below national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 0.14% below avg
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
2.50%
▼ 0.17% below national avg
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 0.17% below avg
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC 27103 2993
IRA Certificate 6 Month
$500
2.45%
▼ 0.22% below national avg
▼
Rate2.42%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 0.22% below avg
Details
North Carolina 12 Month CD Rates
MonitorBankRates National Average — 12 Month CD2.83% APY▲ 0.02% from last week
The national average 12-month CD rate is 2.83% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
11115 S Tryon St, Charlotte, NC 28273
SmartStart 12 Month Certificate
$0
4.58%
▲ 1.75% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.75% above avg
Details
Fixed rate with guaranteed dividends. Deposits allowed at any time!
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%
▲ 1.67% above national avg
▼
Rate4.41%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.67% above avg
Details
Non-premier member APY: 4.25% | Dividend Rate: 4.17%
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
4.25%
▲ 1.42% above national avg
▼
Rate4.17%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.42% above avg
Details
Premier Member APY: 4.50% | Dividend Rate: 4.41%
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%
▲ 1.42% above national avg
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.42% above avg
Details
Lions Share Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 10.98%
850 Harrison Rd, Salisbury, NC 28147 9021
12-Month IRA CD
$500
4.15%
▲ 1.32% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.32% above avg
Details
Empeople Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
2000 John Deere Run, Cary, NC 27513
12 Month Certificate
$500
4.10%
▲ 1.27% above national avg
▼
Rate4.03%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.27% above avg
Details
For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1 Floretta Pl, Raleigh, NC 27676 9803
1 Year Add-On
$0
4.10%
▲ 1.27% above national avg
▼
Rate4.04%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.27% above avg
Details
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%
▲ 1.27% above national avg
▼
Rate4.04%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.27% above avg
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
11115 S Tryon St, Charlotte, NC 28273
12 Month Certificate
$500
4.06%
▲ 1.23% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.23% above avg
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
302 Charlotte St, Hamlet, NC 28345
12 Month Special
$0
4.00%
▲ 1.17% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.17% above avg
Details
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
1000 Saint Albans Dr, Raleigh, NC 27609
12 Month
$250
4.00%
▲ 1.17% above national avg
▼
Rate3.93%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.17% above avg
Details
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
1000 Saint Albans Dr, Raleigh, NC 27609
IRA Certificate 12 Month
$250
4.00%
▲ 1.17% above national avg
▼
Rate3.93%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.17% above avg
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%
▲ 1.04% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.04% above avg
Details
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
2500 NC Highway 86 S, Hillsborough, NC 27278
IRA Share Certificate (12 Month)
$0
3.85%
▲ 1.02% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 1.02% above avg
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
11115 S Tryon St, Charlotte, NC 28273
12 Month Certificate
$500
3.80%
▲ 0.97% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.97% above avg
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
11115 S Tryon St, Charlotte, NC 28273
12 Month SmartStart
$100
3.80%
▲ 0.97% above national avg
▼
Rate3.75%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.97% above avg
Details
TCP Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
3051 Westinghouse Rd, Rural Hall, NC 27045 9570
Share Term Certificate - 12 Month
$250
3.80%
▲ 0.97% above national avg
▼
Rate3.75%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.97% above avg
Details
Fixed Rate
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1815 Kildaire Farm Rd, Cary, NC 27518
1 year
$500
3.76%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.93% above avg
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
3.76%
▲ 0.93% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.93% above avg
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1815 Kildaire Farm Rd, Cary, NC 27518
Traditional IRA Certificates 12 Months
$0
3.76%
▲ 0.93% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.93% above avg
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%
▲ 0.92% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
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
12 Months
$0
3.75%
▲ 0.92% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.92% above avg
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
301 W Main St, Durham, NC 27701
12 Months
$0
3.72%
▲ 0.89% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.89% above avg
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
3.71%
▲ 0.88% above national avg
▼
Rate3.65%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.88% above avg
Details
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
3.70%
▲ 0.87% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.87% above avg
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%
▲ 0.77% above national avg
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.77% above avg
Details
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
3.60%
▲ 0.77% above national avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.77% above avg
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
$5,000
3.55%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.72% above avg
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%
▲ 0.67% above national avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.83%▲ 0.67% above avg
Details
Balance: Quarterly Post or Interest Checks
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%
▲ 0.67% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.67% above avg
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
3.50%
▲ 0.67% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.67% above avg
Details
Premier Member APY: 3.75% | Dividend Rate: 3.69%
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%
▲ 0.67% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.67% above avg
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1 Floretta Pl, Raleigh, NC 27676 9803
1 Year
$0
3.50%
▲ 0.67% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.67% above avg
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%
▲ 0.67% above national avg
▼
Rate3.45%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.67% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2989 Tucker St, Burlington, NC 27215
Roth Executive 1 Year
$100,000
3.45%
▲ 0.62% above national avg
▼
Rate3.39%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.62% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2989 Tucker St, Burlington, NC 27215
Traditional Executive 1 Year
$100,000
3.45%
▲ 0.62% above national avg
▼
Rate3.39%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.62% above avg
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%
▲ 0.62% above national avg
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.62% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2989 Tucker St, Burlington, NC 27215
Roth Premier 1 Year
$10,000
3.35%
▲ 0.52% above national avg
▼
Rate3.29%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.52% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2989 Tucker St, Burlington, NC 27215
Traditional Premier 1 Year
$10,000
3.35%
▲ 0.52% above national avg
▼
Rate3.29%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.52% above avg
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%
▲ 0.47% above national avg
▼
Rate3.25%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.47% above avg
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 Share Certificate
$2,000
3.30%
▲ 0.47% above national avg
▼
Rate3.25%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.47% above avg
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1 Floretta Pl, Raleigh, NC 27676 9803
1 Year
$0
3.30%
▲ 0.47% above national avg
▼
Rate3.26%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.47% above avg
Details
Benchmark Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
3619 Rogers Rd, Wake Forest, NC 27587
12 Months
$0
3.26%
▲ 0.43% above national avg
▼
Rate3.22%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.43% above avg
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC 27103 2993
IRA Certificate 12 Month
$500
3.25%
▲ 0.42% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.42% above avg
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%
▲ 0.42% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.42% above avg
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%
▲ 0.42% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.42% above avg
Details
Balance: $50,000.00 or greater
CS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
6519 Comm Scope Rd, Catawba, NC 28609
12-Month IRA Share Certificate
$500
3.25%
▲ 0.42% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.42% above avg
Details
CS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
6519 Comm Scope Rd, Catawba, NC 28609
12-Month Share Certificate
$500
3.25%
▲ 0.42% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.42% above avg
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
302 Charlotte St, Hamlet, NC 28345
12 Month
$0
3.25%
▲ 0.42% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.42% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
4100 Clemmons Rd, Clemmons, NC 27012
12 Month Term
$0
3.15%
▲ 0.32% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.83%▲ 0.32% above avg
Details
North Carolina 18 Month CD Rates
MonitorBankRates National Average — 18 Month CD2.68% APY▲ 0.04% from last week
The national average 18-month CD rate is 2.68% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
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
18 Month
$250
4.10%
▲ 1.42% above national avg
▼
Rate4.03%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.42% above avg
Details
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
1000 Saint Albans Dr, Raleigh, NC 27609
IRA Certificate 18 Month
$250
4.10%
▲ 1.42% above national avg
▼
Rate4.03%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.42% above avg
Details
Empeople Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
2000 John Deere Run, Cary, NC 27513
18 Month Certificate
$500
4.05%
▲ 1.37% above national avg
▼
Rate3.98%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.37% above avg
Details
For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
2500 NC Highway 86 S, Hillsborough, NC 27278
IRA Share Certificate (18 Month)
$0
3.90%
▲ 1.22% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.22% above avg
Details
TCP Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
3051 Westinghouse Rd, Rural Hall, NC 27045 9570
Share Term Certificate - 18 Month
$250
3.85%
▲ 1.17% above national avg
▼
Rate3.80%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.17% above avg
Details
Fixed Rate
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
301 W Main St, Durham, NC 27701
18 Months
$0
3.77%
▲ 1.09% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.09% above avg
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%
▲ 1.08% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.08% above avg
Details
Shuford Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.69%
882 16th St NE, Hickory, NC 28601
18 mo.
$0
3.75%
▲ 1.07% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.07% above avg
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 CD
$0
3.75%
▲ 1.07% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.07% above avg
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
302 Charlotte St, Hamlet, NC 28345
18 Month Special
$0
3.75%
▲ 1.07% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 1.07% above avg
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1815 Kildaire Farm Rd, Cary, NC 27518
18 month Traditional IRA Certificate
$500
3.66%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.98% above avg
Details
Traditional IRA
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1815 Kildaire Farm Rd, Cary, NC 27518
18 Months
$0
3.66%
▲ 0.98% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.98% above avg
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1815 Kildaire Farm Rd, Cary, NC 27518
Traditional IRA Certificates 18 Months
$0
3.66%
▲ 0.98% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.98% above avg
Details
Marine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.94%
4180 Western Blvd, Jacksonville, NC 28546 6740
18-Month
$1,000
3.56%
▲ 0.88% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.88% above avg
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%
▲ 0.82% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.82% above avg
Details
Non-premier member APY: 3.25% | Dividend Rate: 3.20%
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%
▲ 0.82% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.82% above avg
Details
CS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
6519 Comm Scope Rd, Catawba, NC 28609
18-Month Special Share Certificate
$10,000
3.50%
▲ 0.82% above national avg
▼
Rate3.44%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.82% above avg
Details
Limited time Special rate
Roxboro Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
313 S Main St, Roxboro, NC 27573
18 months IRA
$0
3.45%
▲ 0.77% above national avg
▼
Rate3.39%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.77% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
67 Pitts Station Rd, Marion, NC 28752 7925
18-month term
$0
3.45%
▲ 0.77% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.77% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
67 Pitts Station Rd, Marion, NC 28752 7925
18-month term CD Specials
$0
3.45%
▲ 0.77% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.77% above avg
Details
Rewards APY 3.45% Regular APY 3.45% Dividend Rate 3.40%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
67 Pitts Station Rd, Marion, NC 28752 7925
18-month term CD Specials Rewards
$0
3.45%
▲ 0.77% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.77% above avg
Details
Regular APY 3.45% Dividend Rate 3.40%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
67 Pitts Station Rd, Marion, NC 28752 7925
18-month term IRA CD Specials
$0
3.45%
▲ 0.77% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.77% above avg
Details
Rewards APY 3.45% Regular APY 3.30% Dividend Rate 3.25%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
67 Pitts Station Rd, Marion, NC 28752 7925
18-month term IRA CD Specials Rewards
$0
3.45%
▲ 0.77% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.77% above avg
Details
Regular APY 3.30% Dividend Rate 3.25%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
67 Pitts Station Rd, Marion, NC 28752 7925
IRA CD Specials - 18-month term
$0
3.45%
▲ 0.77% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.77% above avg
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
$0
3.30%
▲ 0.62% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.62% above avg
Details
Lumbee Guaranty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
403 E 3rd St, Pembroke, NC 28372
18 Month Variable Rate IRA
$0
3.30%
▲ 0.62% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.62% above avg
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%
▲ 0.62% above national avg
▼
Rate3.25%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.62% above avg
Details
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.26%
316 NC Hwy 149 N, Plymouth, NC 27962
18 Months Share Certificate
$500
3.30%
▲ 0.62% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.62% above avg
Details
Roxboro Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
313 S Main St, Roxboro, NC 27573
Certificates of Deposit (CDs) 18 Months
$0
3.25%
▲ 0.57% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.57% above avg
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 Certificate
$0
3.25%
▲ 0.57% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.57% above avg
Details
Non-premier member APY: 3.00% | Dividend Rate: 2.96%
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
3.25%
▲ 0.57% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.57% above avg
Details
Premier Member APY: 3.50% | Dividend Rate: 3.44%
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%
▲ 0.57% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.57% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
4100 Clemmons Rd, Clemmons, NC 27012
18 Month Term
$0
3.20%
▲ 0.52% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.52% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
4100 Clemmons Rd, Clemmons, NC 27012
18 Month Term
$0
3.15%
▲ 0.47% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.47% above avg
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC 27103 2993
IRA Certificate 18 Month
$500
3.15%
▲ 0.47% above national avg
▼
Rate3.10%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.47% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
4100 Clemmons Rd, Clemmons, NC 27012
18 Month Term
$0
3.10%
▲ 0.42% above national avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.42% above avg
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%
▲ 0.37% above national avg
▼
Rate3.01%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.37% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
4100 Clemmons Rd, Clemmons, NC 27012
18 Month Term
$0
3.04%
▲ 0.36% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.36% above avg
Details
Telco Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.69%
1720 Barlow Rd, Tarboro, NC 27886
18 Month Certificate
$0
3.04%
▲ 0.36% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.36% above avg
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%
▲ 0.32% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.32% above avg
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 Certificate
$0
3.00%
▲ 0.32% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.32% above avg
Details
Premier Member APY: 3.25% | Dividend Rate: 3.20%
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
302 Charlotte St, Hamlet, NC 28345
18 Month
$0
3.00%
▲ 0.32% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.32% above avg
Details
Revity Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.90%
217 N Greene St, Greensboro, NC 27401
Jumbo & Jumbo IRA Certificates 18 Month
$0
2.94%
▲ 0.26% above national avg
▼
Rate2.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.26% above avg
Details
Revity Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.90%
217 N Greene St, Greensboro, NC 27401
Mini Jumbo & Mini Jumbo IRA Certificate 18 Month
$0
2.94%
▲ 0.26% above national avg
▼
Rate2.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.26% above avg
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
$0
2.94%
▲ 0.26% above national avg
▼
Rate2.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.26% above avg
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%
▲ 0.22% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.22% above avg
Details
Telco Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 20.69%
1720 Barlow Rd, Tarboro, NC 27886
18 Month IRA Certificate
$0
2.78%
▲ 0.10% above national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.10% above avg
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%
▲ 0.10% above national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.10% above avg
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%
▲ 0.07% above national avg
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▲ 0.07% above avg
Details
Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
2025 N Marine Blvd, Jacksonville, NC 28546
18 Months
$500
2.00%
▼ 0.68% below national avg
▼
Rate2.00%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.68%▼ 0.68% below avg
Details
North Carolina 24 Month CD Rates
MonitorBankRates National Average — 24 Month CD2.71% APY▲ 0.02% from last week
The national average 24-month CD rate is 2.71% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Crescent Bank
Institution Rating:
C4.0 ★Texas Ratio: 27.16%
10115 Kincey Ave, Huntersville, NC 28078
24-month CD
$1,000
4.25%
▲ 1.54% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.54% above avg
Details
Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
9377 N US Highway 301, Whitakers, NC 27891 8621
24 Month
$100,000
4.15%
▲ 1.44% above national avg
▼
Rate4.07%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.44% above avg
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
11115 S Tryon St, Charlotte, NC 28273
24 Month Certificate
$500
4.11%
▲ 1.40% above national avg
▼
Rate4.05%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.40% above avg
Details
Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
9377 N US Highway 301, Whitakers, NC 27891 8621
2 Year
$500
4.00%
▲ 1.29% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.29% above avg
Details
Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
9377 N US Highway 301, Whitakers, NC 27891 8621
24 Month
$500
4.00%
▲ 1.29% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.29% above avg
Details
Empeople Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
2000 John Deere Run, Cary, NC 27513
24 Month Certificate
$500
4.00%
▲ 1.29% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.29% above avg
Details
For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
2500 NC Highway 86 S, Hillsborough, NC 27278
IRA Share Certificate (24 Month)
$0
3.90%
▲ 1.19% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.19% above avg
Details
TCP Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
3051 Westinghouse Rd, Rural Hall, NC 27045 9570
Share Term Certificate - 24 Month
$250
3.90%
▲ 1.19% above national avg
▼
Rate3.85%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.19% above avg
Details
Fixed Rate
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
1000 Saint Albans Dr, Raleigh, NC 27609
24 Month
$250
3.90%
▲ 1.19% above national avg
▼
Rate3.83%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.19% above avg
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%
▲ 1.19% above national avg
▼
Rate3.83%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.19% above avg
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
11115 S Tryon St, Charlotte, NC 28273
24 Month Certificate
$500
3.85%
▲ 1.14% above national avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.14% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2989 Tucker St, Burlington, NC 27215
2 Year Roth Executive
$0
3.80%
▲ 1.09% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.09% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2989 Tucker St, Burlington, NC 27215
Roth Executive 2 Years
$100,000
3.80%
▲ 1.09% above national avg
▼
Rate3.73%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.09% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2989 Tucker St, Burlington, NC 27215
Traditional Executive 2 Years
$100,000
3.80%
▲ 1.09% above national avg
▼
Rate3.73%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.09% above avg
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
301 W Main St, Durham, NC 27701
24 Months
$0
3.77%
▲ 1.06% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.06% above avg
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%
▲ 1.05% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.05% above avg
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
3.75%
▲ 1.04% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.04% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2989 Tucker St, Burlington, NC 27215
Roth Premier 2 Years
$10,000
3.70%
▲ 0.99% above national avg
▼
Rate3.63%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.99% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2989 Tucker St, Burlington, NC 27215
Traditional Premier 2 Years
$10,000
3.70%
▲ 0.99% above national avg
▼
Rate3.63%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.99% above avg
Details
Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
10810 Chapel Hill Rd, Morrisville, NC 27560
24 Months
$1,000
3.70%
▲ 0.99% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.99% above avg
Details
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
3.70%
▲ 0.99% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.99% above avg
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
3.66%
▲ 0.95% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.95% above avg
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1815 Kildaire Farm Rd, Cary, NC 27518
Traditional IRA Certificates 24 Months
$0
3.66%
▲ 0.95% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.95% above avg
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC 27103 2993
IRA Certificate 2 Year
$500
3.65%
▲ 0.94% above national avg
▼
Rate3.59%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.94% above avg
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
3.55%
▲ 0.84% above national avg
▼
Rate3.49%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.84% above avg
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1 Floretta Pl, Raleigh, NC 27676 9803
2 Years
$0
3.55%
▲ 0.84% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.84% above avg
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%
▲ 0.80% above national avg
▼
Rate3.45%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.80% above avg
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 Share Certificate
$2,000
3.51%
▲ 0.80% above national avg
▼
Rate3.45%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.80% above avg
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%
▲ 0.79% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.79% above avg
Details
Non-premier member APY: 3.25% | Dividend Rate: 3.20%
Shuford Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.69%
882 16th St NE, Hickory, NC 28601
24 mo.
$0
3.50%
▲ 0.79% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.79% above avg
Details
Emergency Responders Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.22%
1777 Link Rd, Winston Salem, NC 27103 4625
24 Months
$0
3.50%
▲ 0.79% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.79% above avg
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
302 Charlotte St, Hamlet, NC 28345
24 Month
$0
3.50%
▲ 0.79% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.79% above avg
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
302 Charlotte St, Hamlet, NC 28345
24 Month Special
$0
3.50%
▲ 0.79% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.79% above avg
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%
▲ 0.69% above national avg
▼
Rate3.35%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.69% above avg
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%
▲ 0.64% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.64% above avg
Details
Marine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.94%
4180 Western Blvd, Jacksonville, NC 28546 6740
24-Month
$100,000
3.30%
▲ 0.59% above national avg
▼
Rate3.25%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.59% above avg
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
$5,000
3.30%
▲ 0.59% above national avg
▼
Rate3.25%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.59% above avg
Details
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.26%
316 NC Hwy 149 N, Plymouth, NC 27962
24 Months Share Certificate
$500
3.30%
▲ 0.59% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.59% above avg
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%
▲ 0.59% above national avg
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.59% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
4100 Clemmons Rd, Clemmons, NC 27012
24 Month Term
$0
3.25%
▲ 0.54% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.54% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
4100 Clemmons Rd, Clemmons, NC 27012
Business 24 Month Term
$0
3.25%
▲ 0.54% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.54% above avg
Details
Roxboro Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
313 S Main St, Roxboro, NC 27573
Certificates of Deposit (CDs) 24 Months
$0
3.25%
▲ 0.54% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.54% above avg
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 Certificate
$0
3.25%
▲ 0.54% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.54% above avg
Details
Non-premier member APY: 3.00% | Dividend Rate: 2.96%
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
3.25%
▲ 0.54% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.54% above avg
Details
Premier Member APY: 3.50% | Dividend Rate: 3.44%
Marine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.94%
4180 Western Blvd, Jacksonville, NC 28546 6740
24-Month
$1,000
3.25%
▲ 0.54% above national avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.54% above avg
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
$0
3.25%
▲ 0.54% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.54% above avg
Details
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%
▲ 0.54% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.54% above avg
Details
CS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
6519 Comm Scope Rd, Catawba, NC 28609
24-Month IRA Share Certificate
$500
3.25%
▲ 0.54% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.54% above avg
Details
CS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
6519 Comm Scope Rd, Catawba, NC 28609
24-Month Share Certificate
$500
3.25%
▲ 0.54% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.54% above avg
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1 Floretta Pl, Raleigh, NC 27676 9803
2 Years
$0
3.25%
▲ 0.54% above national avg
▼
Rate3.21%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.54% above avg
Details
North Carolina 36 Month CD Rates
MonitorBankRates National Average — 36 Month CD2.66% APY▲ 0.03% from last week
The national average 36-month CD rate is 2.66% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
11115 S Tryon St, Charlotte, NC 28273
36 Month Certificate
$500
4.16%
▲ 1.51% above national avg
▼
Rate4.10%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.51% above avg
Details
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%
▲ 1.50% above national avg
▼
Rate4.09%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.50% above avg
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
11115 S Tryon St, Charlotte, NC 28273
36 Month Certificate
$500
3.91%
▲ 1.26% above national avg
▼
Rate3.85%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.26% above avg
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
301 W Main St, Durham, NC 27701
36 Months
$0
3.82%
▲ 1.17% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.17% above avg
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
$0
3.82%
▲ 1.17% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.17% above avg
Details
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.18%
2500 NC Highway 86 S, Hillsborough, NC 27278
IRA Share Certificate (36 Month)
$0
3.80%
▲ 1.15% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.15% above avg
Details
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
1000 Saint Albans Dr, Raleigh, NC 27609
36 Month
$250
3.80%
▲ 1.15% above national avg
▼
Rate3.74%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.15% above avg
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%
▲ 1.15% above national avg
▼
Rate3.74%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.15% above avg
Details
Empeople Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
2000 John Deere Run, Cary, NC 27513
36 Month Certificate
$500
3.75%
▲ 1.10% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.10% above avg
Details
For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
TCP Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
3051 Westinghouse Rd, Rural Hall, NC 27045 9570
Share Term Certificate - 36 Month
$250
3.64%
▲ 0.99% above national avg
▼
Rate3.60%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.99% above avg
Details
Fixed Rate
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%
▲ 0.91% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.91% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2989 Tucker St, Burlington, NC 27215
Roth Executive 3 Years
$100,000
3.55%
▲ 0.90% above national avg
▼
Rate3.48%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.90% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2989 Tucker St, Burlington, NC 27215
Traditional Executive 3 Years
$100,000
3.55%
▲ 0.90% above national avg
▼
Rate3.48%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.90% above avg
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%
▲ 0.86% above national avg
▼
Rate3.45%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.86% above avg
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 Share Certificate
$2,000
3.51%
▲ 0.86% above national avg
▼
Rate3.45%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.86% above avg
Details
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
1730 Matthews Township Pkwy Ste E, Matthews, NC 28105 4928
3 years
$0
3.50%
▲ 0.85% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.85% above avg
Details
1x Bump Up
Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
10810 Chapel Hill Rd, Morrisville, NC 27560
36 Months
$1,000
3.50%
▲ 0.85% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.85% above avg
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%
▲ 0.85% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.85% above avg
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1815 Kildaire Farm Rd, Cary, NC 27518
36 month Traditional IRA Certificate
$500
3.45%
▲ 0.80% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.80% above avg
Details
Traditional IRA
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%
▲ 0.80% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.80% above avg
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1815 Kildaire Farm Rd, Cary, NC 27518
Traditional IRA Certificates 36 Months
$0
3.45%
▲ 0.80% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.80% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2989 Tucker St, Burlington, NC 27215
Roth Premier 3 Years
$10,000
3.45%
▲ 0.80% above national avg
▼
Rate3.39%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.80% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2989 Tucker St, Burlington, NC 27215
Traditional Premier 3 Years
$10,000
3.45%
▲ 0.80% above national avg
▼
Rate3.39%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.80% above avg
Details
Marine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.94%
4180 Western Blvd, Jacksonville, NC 28546 6740
36-Month
$100,000
3.40%
▲ 0.75% above national avg
▼
Rate3.35%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.75% above avg
Details
Marine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.94%
4180 Western Blvd, Jacksonville, NC 28546 6740
36-Month
$1,000
3.35%
▲ 0.70% above national avg
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.70% above avg
Details
Marine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.94%
4180 Western Blvd, Jacksonville, NC 28546 6740
36-Month IRA
$500
3.35%
▲ 0.70% above national avg
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.70% above avg
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1 Floretta Pl, Raleigh, NC 27676 9803
3 Years
$0
3.35%
▲ 0.70% above national avg
▼
Rate3.31%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.70% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
4100 Clemmons Rd, Clemmons, NC 27012
36 Month Term
$0
3.30%
▲ 0.65% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.65% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
4100 Clemmons Rd, Clemmons, NC 27012
Business 36 Month Term
$0
3.30%
▲ 0.65% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.65% above avg
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%
▲ 0.65% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.65% above avg
Details
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.26%
316 NC Hwy 149 N, Plymouth, NC 27962
36 Months Share Certificate
$500
3.30%
▲ 0.65% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.65% above avg
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%
▲ 0.65% above national avg
▼
Rate3.25%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.65% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
4100 Clemmons Rd, Clemmons, NC 27012
36 Month Term
$0
3.25%
▲ 0.60% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.60% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
4100 Clemmons Rd, Clemmons, NC 27012
Business 36 Month Term
$0
3.25%
▲ 0.60% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.60% above avg
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%
▲ 0.60% above national avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.60% above avg
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC 27103 2993
IRA Certificate 3 Year
$500
3.25%
▲ 0.60% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.60% above avg
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%
▲ 0.60% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.60% above avg
Details
Emergency Responders Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.22%
1777 Link Rd, Winston Salem, NC 27103 4625
36 Months
$0
3.25%
▲ 0.60% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.60% above avg
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%
▲ 0.55% above national avg
▼
Rate3.15%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.55% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
4100 Clemmons Rd, Clemmons, NC 27012
36 Month Term
$0
3.19%
▲ 0.54% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.54% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
4100 Clemmons Rd, Clemmons, NC 27012
Business 36 Month Term
$0
3.19%
▲ 0.54% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.54% above avg
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
3.15%
▲ 0.50% above national avg
▼
Rate3.10%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.50% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
4100 Clemmons Rd, Clemmons, NC 27012
36 Month Term
$0
3.14%
▲ 0.49% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.49% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
4100 Clemmons Rd, Clemmons, NC 27012
Business 36 Month Term
$0
3.14%
▲ 0.49% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.49% above avg
Details
Revity Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.90%
217 N Greene St, Greensboro, NC 27401
Jumbo & Jumbo IRA Certificates 36 Month
$0
3.04%
▲ 0.39% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.39% above avg
Details
Revity Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.90%
217 N Greene St, Greensboro, NC 27401
Mini Jumbo & Mini Jumbo IRA Certificate 36 Month
$0
3.04%
▲ 0.39% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.39% above avg
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
$0
3.04%
▲ 0.39% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.39% above avg
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
$5,000
3.04%
▲ 0.39% above national avg
▼
Rate3.00%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.39% above avg
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
$5,000
3.04%
▲ 0.39% above national avg
▼
Rate3.00%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.39% above avg
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%
▲ 0.35% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.35% above avg
Details
Non-premier member APY: 2.75% | Dividend Rate: 2.72%
North Carolina 48 Month CD Rates
MonitorBankRates National Average — 48 Month CD2.66% APY▲ 0.04% from last week
The national average 48-month CD rate is 2.66% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
11115 S Tryon St, Charlotte, NC 28273
48 Month Certificate
$500
4.22%
▲ 1.56% above national avg
▼
Rate4.15%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.56% above avg
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
11115 S Tryon St, Charlotte, NC 28273
48 Month Certificate
$500
3.96%
▲ 1.30% above national avg
▼
Rate3.90%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.30% above avg
Details
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
1000 Saint Albans Dr, Raleigh, NC 27609
48 Month
$250
3.90%
▲ 1.24% above national avg
▼
Rate3.83%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.24% above avg
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%
▲ 1.24% above national avg
▼
Rate3.83%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.24% above avg
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
301 W Main St, Durham, NC 27701
48 Months
$0
3.82%
▲ 1.16% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 1.16% above avg
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%
▲ 0.84% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.84% above avg
Details
Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
10810 Chapel Hill Rd, Morrisville, NC 27560
48 Months
$1,000
3.50%
▲ 0.84% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.84% above avg
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%
▲ 0.84% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.84% above avg
Details
Empeople Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
2000 John Deere Run, Cary, NC 27513
48 Month Certificate
$500
3.50%
▲ 0.84% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.84% above avg
Details
For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
Marine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.94%
4180 Western Blvd, Jacksonville, NC 28546 6740
48-Month
$100,000
3.45%
▲ 0.79% above national avg
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.79% above avg
Details
Marine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.94%
4180 Western Blvd, Jacksonville, NC 28546 6740
48-Month
$1,000
3.40%
▲ 0.74% above national avg
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.74% above avg
Details
Marine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.94%
4180 Western Blvd, Jacksonville, NC 28546 6740
48-Month IRA
$500
3.40%
▲ 0.74% above national avg
▼
Rate3.35%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.74% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
4100 Clemmons Rd, Clemmons, NC 27012
48 Month Term
$0
3.35%
▲ 0.69% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.69% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
4100 Clemmons Rd, Clemmons, NC 27012
48 Month Term
$0
3.30%
▲ 0.64% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.64% above avg
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%
▲ 0.64% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.64% above avg
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC 27103 2993
IRA Certificate 4 Year
$500
3.30%
▲ 0.64% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.64% above avg
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%
▲ 0.64% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.64% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
4100 Clemmons Rd, Clemmons, NC 27012
48 Month Term
$0
3.25%
▲ 0.59% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.59% above avg
Details
TCP Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
3051 Westinghouse Rd, Rural Hall, NC 27045 9570
Share Term Certificate - 48 Month
$250
3.23%
▲ 0.57% above national avg
▼
Rate3.20%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.57% above avg
Details
Fixed Rate
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%
▲ 0.54% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.54% above avg
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1815 Kildaire Farm Rd, Cary, NC 27518
Traditional IRA Certificates 48 Months
$0
3.20%
▲ 0.54% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.54% above avg
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
3.20%
▲ 0.54% above national avg
▼
Rate3.15%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.54% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
4100 Clemmons Rd, Clemmons, NC 27012
48 Month Term
$0
3.19%
▲ 0.53% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.53% above avg
Details
Revity Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.90%
217 N Greene St, Greensboro, NC 27401
Jumbo & Jumbo IRA Certificates 48 Month
$0
3.09%
▲ 0.43% above national avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.43% above avg
Details
Revity Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.90%
217 N Greene St, Greensboro, NC 27401
Mini Jumbo & Mini Jumbo IRA Certificate 48 Month
$0
3.09%
▲ 0.43% above national avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.43% above avg
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
$0
3.09%
▲ 0.43% above national avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.43% above avg
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
$5,000
3.04%
▲ 0.38% above national avg
▼
Rate3.00%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.38% above avg
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
$5,000
3.04%
▲ 0.38% above national avg
▼
Rate3.00%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.38% above avg
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%
▲ 0.34% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.34% above avg
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%
▲ 0.34% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.34% above avg
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%
▲ 0.24% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.24% above avg
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%
▲ 0.24% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.24% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
67 Pitts Station Rd, Marion, NC 28752 7925
48-month term Standard CDs
$0
2.90%
▲ 0.24% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.24% above avg
Details
Rewards APY 2.90% Regular APY 2.64% Dividend Rate 2.61%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
67 Pitts Station Rd, Marion, NC 28752 7925
48-month term Standard CDs Rewards
$0
2.90%
▲ 0.24% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.24% above avg
Details
Regular APY 2.64% Dividend Rate 2.61%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
67 Pitts Station Rd, Marion, NC 28752 7925
48-month term Standard IRA CDs
$0
2.90%
▲ 0.24% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.24% above avg
Details
Rewards APY 2.90% Regular APY 2.64% Dividend Rate 2.61%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
67 Pitts Station Rd, Marion, NC 28752 7925
48-month term Standard IRA CDs Rewards
$0
2.90%
▲ 0.24% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.24% above avg
Details
Regular APY 2.64% Dividend Rate 2.61%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
67 Pitts Station Rd, Marion, NC 28752 7925
Standard IRA CDs 48-month term
$0
2.90%
▲ 0.24% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.24% above avg
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%
▲ 0.09% above national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.09% above avg
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
2.75%
▲ 0.09% above national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.09% above avg
Details
Premier Member APY: 3.00% | Dividend Rate: 2.96%
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
2.75%
▲ 0.09% above national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.09% above avg
Details
Premier Member APY: 3.00% | Dividend Rate: 2.96%
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%
▲ 0.09% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▲ 0.09% above avg
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%
▼ 0.02% below national avg
▼
Rate2.61%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.02% below avg
Details
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%
▼ 0.11% below national avg
▼
Rate2.52%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 1, 2026
National Average2.66%▼ 0.11% below avg
Details
Balance: Quarterly Post or Interest Checks
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
1730 Matthews Township Pkwy Ste E, Matthews, NC 28105 4928
4 years
$0
2.52%
▼ 0.14% below national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.14% below avg
Details
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
3101 S Church St, Burlington, NC 27215
4 Year CD
$0
2.50%
▼ 0.16% below national avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.16% below avg
Details
Benchmark Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
3619 Rogers Rd, Wake Forest, NC 27587
Premium - 48 Months
$0
2.50%
▼ 0.16% below national avg
▼
Rate2.48%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.16% below avg
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
302 Charlotte St, Hamlet, NC 28345
48 Month
$0
2.30%
▼ 0.36% below national avg
▼
Rate2.27%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.36% below avg
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%
▼ 0.56% below national avg
▼
Rate2.08%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.56% below avg
Details
Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.67%
9377 N US Highway 301, Whitakers, NC 27891 8621
Business 4 Year
$100,000
2.10%
▼ 0.56% below national avg
▼
Rate2.08%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.56% below avg
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%
▼ 0.61% below national avg
▼
Rate2.03%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.66%▼ 0.61% below avg
Details
A penalty may be charged for early withdrawal. Fees may reduce earnings on the account.
North Carolina 60 Month CD Rates
MonitorBankRates National Average — 60 Month CD2.76% APY▲ 0.03% from last week
The national average 60-month CD rate is 2.76% APY as of September 2, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
11115 S Tryon St, Charlotte, NC 28273
60 Month Certificate
$500
4.27%
▲ 1.51% above national avg
▼
Rate4.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.51% above avg
Details
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
1000 Saint Albans Dr, Raleigh, NC 27609
60 Month
$250
4.15%
▲ 1.39% above national avg
▼
Rate4.07%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.39% above avg
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%
▲ 1.39% above national avg
▼
Rate4.07%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.39% above avg
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
11115 S Tryon St, Charlotte, NC 28273
60 Month Certificate
$500
4.01%
▲ 1.25% above national avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.25% above avg
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
3.85%
▲ 1.09% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.09% above avg
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
301 W Main St, Durham, NC 27701
60 Months
$0
3.82%
▲ 1.06% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 1.06% above avg
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%
▲ 0.99% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.99% above avg
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1 Floretta Pl, Raleigh, NC 27676 9803
5 Years
$0
3.65%
▲ 0.89% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.89% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2989 Tucker St, Burlington, NC 27215
Roth Executive 5 Years
$100,000
3.60%
▲ 0.84% above national avg
▼
Rate3.53%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.84% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2989 Tucker St, Burlington, NC 27215
Traditional Executive 5 Years
$100,000
3.60%
▲ 0.84% above national avg
▼
Rate3.53%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.84% above avg
Details
Marine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.94%
4180 Western Blvd, Jacksonville, NC 28546 6740
60-Month
$100,000
3.51%
▲ 0.75% above national avg
▼
Rate3.45%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.75% above avg
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%
▲ 0.75% above national avg
▼
Rate3.45%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.75% above avg
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 Share Certificate
$2,000
3.51%
▲ 0.75% above national avg
▼
Rate3.45%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.75% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2989 Tucker St, Burlington, NC 27215
Roth Premier 5 Years
$10,000
3.50%
▲ 0.74% above national avg
▼
Rate3.44%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.74% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2989 Tucker St, Burlington, NC 27215
Traditional Premier 5 Years
$10,000
3.50%
▲ 0.74% above national avg
▼
Rate3.44%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.74% above avg
Details
Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
10810 Chapel Hill Rd, Morrisville, NC 27560
60 Months
$1,000
3.50%
▲ 0.74% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.74% above avg
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%
▲ 0.74% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.74% above avg
Details
Marine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.94%
4180 Western Blvd, Jacksonville, NC 28546 6740
60-Month
$1,000
3.45%
▲ 0.69% above national avg
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.69% above avg
Details
Marine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.94%
4180 Western Blvd, Jacksonville, NC 28546 6740
60-Month IRA
$500
3.45%
▲ 0.69% above national avg
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.69% above avg
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1 Floretta Pl, Raleigh, NC 27676 9803
5 Years
$0
3.45%
▲ 0.69% above national avg
▼
Rate3.41%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.69% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
4100 Clemmons Rd, Clemmons, NC 27012
60 Month Term
$0
3.40%
▲ 0.64% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.64% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
4100 Clemmons Rd, Clemmons, NC 27012
60 Month Term
$0
3.35%
▲ 0.59% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.59% above avg
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
1691 Westbrook Plaza Dr, Winston Salem, NC 27103 2993
IRA Certificate 5 Year
$500
3.35%
▲ 0.59% above national avg
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.59% above avg
Details
TCP Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.21%
3051 Westinghouse Rd, Rural Hall, NC 27045 9570
Share Term Certificate - 60 Month
$250
3.34%
▲ 0.58% above national avg
▼
Rate3.30%
Min Deposit$250
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.58% above avg
Details
Fixed Rate
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
4100 Clemmons Rd, Clemmons, NC 27012
60 Month Term
$0
3.30%
▲ 0.54% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.54% above avg
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%
▲ 0.54% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.54% above avg
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%
▲ 0.54% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.54% above avg
Details
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
1730 Matthews Township Pkwy Ste E, Matthews, NC 28105 4928
5 years
$0
3.29%
▲ 0.53% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.53% above avg
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
3.25%
▲ 0.49% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.49% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.68%
4100 Clemmons Rd, Clemmons, NC 27012
60 Month Term
$0
3.24%
▲ 0.48% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.48% above avg
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%
▲ 0.44% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.44% above avg
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
1815 Kildaire Farm Rd, Cary, NC 27518
Traditional IRA Certificates 60 Months
$0
3.20%
▲ 0.44% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.44% above avg
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%
▲ 0.44% above national avg
▼
Rate3.15%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.44% above avg
Details
Revity Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.90%
217 N Greene St, Greensboro, NC 27401
Jumbo & Jumbo IRA Certificates 60 Month
$0
3.15%
▲ 0.39% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.39% above avg
Details
Revity Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.90%
217 N Greene St, Greensboro, NC 27401
Mini Jumbo & Mini Jumbo IRA Certificate 60 Month
$0
3.15%
▲ 0.39% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.39% above avg
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
$0
3.15%
▲ 0.39% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.39% above avg
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%
▲ 0.34% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.34% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
67 Pitts Station Rd, Marion, NC 28752 7925
60-month term Standard CDs
$0
3.10%
▲ 0.34% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.34% above avg
Details
Rewards APY 3.10% Regular APY 2.84% Dividend Rate 2.81%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
67 Pitts Station Rd, Marion, NC 28752 7925
60-month term Standard CDs Rewards
$0
3.10%
▲ 0.34% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.34% above avg
Details
Regular APY 2.84% Dividend Rate 2.81%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
67 Pitts Station Rd, Marion, NC 28752 7925
60-month term Standard IRA CDs
$0
3.10%
▲ 0.34% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.34% above avg
Details
Rewards APY 3.10% Regular APY 2.84% Dividend Rate 2.81%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
67 Pitts Station Rd, Marion, NC 28752 7925
60-month term Standard IRA CDs Rewards
$0
3.10%
▲ 0.34% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.34% above avg
Details
Regular APY 2.84% Dividend Rate 2.81%
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
67 Pitts Station Rd, Marion, NC 28752 7925
Standard IRA CDs 60-month term
$0
3.10%
▲ 0.34% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.34% above avg
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%
▲ 0.34% above national avg
▼
Rate3.06%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.34% above avg
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
$5,000
3.04%
▲ 0.28% above national avg
▼
Rate3.00%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.28% above avg
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
$5,000
3.04%
▲ 0.28% above national avg
▼
Rate3.00%
Min Deposit$5,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.28% above avg
Details
Roxboro Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
313 S Main St, Roxboro, NC 27573
60 months IRA
$0
3.00%
▲ 0.24% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.24% above avg
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%
▲ 0.24% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.24% above avg
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%
▲ 0.24% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.24% above avg
Details
Non-premier member APY: 2.75% | Dividend Rate: 2.72%
Empeople Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
2000 John Deere Run, Cary, NC 27513
60 Month Certificate
$500
3.00%
▲ 0.24% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.24% above avg
Details
For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.
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%
▲ 0.14% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.76%▲ 0.14% above avg
Details
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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.
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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
2.833%
▲ 0.619 vs 7 days ago
North Carolina 12-month CD rates rose 0.619 points over the past 7 days to 2.833% APY.
6-Month CD — NC Avg
2.672%
▲ 1.337 vs 7 days ago
North Carolina 6-month CD rates rose 1.337 points over the past 7 days to 2.672% APY.
As of Sep 2, 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 September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
NC 12-Month Avg APY
2.833%
6-Month Forecast
2.833%
Range: 2.63% – 2.98%
12-Month Forecast
2.583%
Range: 2.38% – 2.73%
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 | 1.964% | $98.19 | $196.38 | $490.95 | $981.90 |
| 6-Month CD | 2.672% | $133.62 | $267.23 | $668.08 | $1,336.15 |
| 12-Month CD | 2.833% | $141.64 | $283.28 | $708.20 | $1,416.40 |
| 18-Month CD | 2.677% | $133.84 | $267.67 | $669.18 | $1,338.35 |
| 24-Month CD | 2.711% | $135.57 | $271.14 | $677.85 | $1,355.70 |
| 36-Month CD | 2.655% | $132.75 | $265.50 | $663.75 | $1,327.50 |
| 48-Month CD | 2.657% | $132.83 | $265.66 | $664.15 | $1,328.30 |
| 60-Month CD | 2.760% | $138.00 | $276.00 | $690.00 | $1,380.00 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 1, 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 | 1.964% | $98.19 |
| 2 | 6-Month CD | $5,000 | 2.672% | $133.62 |
| 3 | 12-Month CD | $5,000 | 2.833% | $141.64 |
| 4 | 24-Month CD | $5,000 | 2.711% | $135.57 |
| 5 | 36-Month CD | $5,000 | 2.655% | $132.75 |
| Total ($25,000 invested) | $25,000 | 2.567% blended | $641.77/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.
481
CD Rates
Tracked in North Carolina
Tracked in North Carolina
14 Banks
41 Credit Unions
About Our North Carolina CD Rate Database
MonitorBankRates tracks 481 CD rates from 14 banks and 41 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: Founders Federal Credit Union offers a CD at 4.58% 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 41 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 — 55 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days — compare North Carolina savings rates instead
- Rates are rising and you want to benefit — a variable-rate savings or money market account keeps pace
- You want check-writing access — compare 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
$122/yr
At NC 12-mo avg 2.833% 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 2.833%, saving 10% of the local median salary ($4,302/year) and putting it in a CD would earn an additional $122 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, Empeople Credit Union is offering its 6 Month Certificate at 4.00% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Founders Federal Credit Union is offering its 60 Month Certificate at 4.27% 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:
- Founders Federal Credit Union: 4.58% APY (SmartStart 12 Month Certificate)
- Fort Financial Federal Credit Union: 4.50% APY (12-Month IRA Certificate)
- Crescent Bank: 4.25% APY (24-month CD)
- U S POSTAL SERVICE: 4.25% APY (1 Year Starter Add-On)
- Lions Share Federal Credit Union: 4.15% APY (12-Month IRA CD)
- Centra Credit Union: 4.15% APY (24 Month)
- COASTAL: 4.15% APY (60 Month)
- Empeople Credit Union: 4.10% APY (12 Month Certificate)
- REV: 4.00% APY (12 Month Special)
- ElecTel Cooperative Federal Credit Union: 3.90% APY (IRA Share Certificate (18 Month))
Rates reflect recent verified offers available in North Carolina. Last Updated: September 1, 2026
North Carolina CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY — or click any current North Carolina rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
—
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for North Carolina
North Carolina CD Calculator
At today’s NC top rate of 4.58% APY, a $10,000 deposit earns $458 in the first year. Enter your amount to see your exact return.
North Carolina CD LadderNC CD rates currently range from 1.964% (3-month) to 2.655% (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 4.58% 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 2.833% 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: September 1, 2026
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