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CD Rate Trends

North Carolina Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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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.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 13, 2026

North Carolina CD rates range from 0.01% to 5.00% APY, verified by MonitorBankRates as of October 13, 2026. Current North Carolina CD rates include Truliant Federal Credit UnionTruliant Federal Credit Union4100 Clemmons Rd, Clemmons, NC 27012A5.0 ★Texas Ratio: 6.43%Real return: +2.20%APY minus CPI (February 2026) offering Limited-Time 12 Month Term (new external funds required) at 5.00% APY, Piedmont Advantage Credit UnionPiedmont Advantage Credit Union4997 Home Rd, Winston Salem, NC 27106A+5.0 ★Texas Ratio: 3.82%Real return: +2.20%APY minus CPI (February 2026) offering 12 Month Special Limited Term Certificate at 5.00% APY, Advancial Federal Credit UnionAdvancial Federal Credit Union7521 Pineville Matthews Rd, Charlotte, NC 28226A5.0 ★Texas Ratio: 12.30%Real return: +2.07%APY minus CPI (February 2026) offering Regular, IRA & Business Jumbo Certificates - 5 years at 4.87% APY, Skyla Federal Credit UnionSkyla Federal Credit Union3700 South Blvd, Charlotte, NC 28209A5.0 ★Texas Ratio: 9.56%Real return: +1.95%APY minus CPI (February 2026) offering 48 Month Elite Jumbo CD at 4.75% APY, and Honda Federal Credit UnionHonda Federal Credit Union2989 Tucker St, Burlington, NC 27215A+5.0 ★Texas Ratio: 2.74%Real return: +1.80%APY minus CPI (February 2026) offering 5 Year IRA Certificate - Roth at 4.60% APY. CD rates as of October 13, 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 5.00% APY from Truliant Federal Credit Union at 4100 Clemmons Rd, Clemmons, NC 27012. Rates are continually updated, so 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: October 13, 2026

Compare Best CD Rates in North Carolina

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North Carolina 3 Month CD Rates

MonitorBankRates North Carolina Average · 3 Month CD1.90% APY▲ 0.04% from last weekNational 2.09%
View 3-month CD rate trend

The average 3-month CD rate in North Carolina is 1.90% APY, compared with 2.09% nationally, as of October 13, 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:
A+5.0 ★Texas Ratio: 5.75%
2000 John Deere Run, Cary, NC 27513
3 Month Certificate
$5,000
3.75% ▲ 1.85% above North Carolina avg
View
▼
Rate3.69%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average1.90%▲ 1.85% above avgNationally 2.09%
Details

HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. 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.

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
Building 603 Suite 100, Liberty, NC 27298
3 Month IRA Certificate
$0
3.60% ▲ 1.70% above North Carolina avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
North Carolina Average1.90%▲ 1.70% above avgNationally 2.09%
Details

Rate History
No change since Sep 29, 2026 · 3.60% APY
3.10%3.60%4.10%Sep 29, 2026: 3.60% APYSep 29, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
Building 603 Suite 100, Liberty, NC 27298
3 Month Share Certificates
$0
3.60% ▲ 1.70% above North Carolina avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
North Carolina Average1.90%▲ 1.70% above avgNationally 2.09%
Details

Rate History
No change since Sep 29, 2026 · 3.60% APY
3.10%3.60%4.10%Sep 29, 2026: 3.60% APYSep 29, 2026Oct 13, 2026
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
302 Charlotte St, Hamlet, NC 28345
Regular Certificates - 3 Month
$0
3.50% ▲ 1.60% above North Carolina avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average1.90%▲ 1.60% above avgNationally 2.09%
Details

Rate History
No change since Oct 6, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 6, 2026: 3.50% APYOct 6, 2026Oct 13, 2026
Live Oak Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.23%
1757 Tiburon Dr, Wilmington, NC 28403
3-month CD
$0
3.00% ▲ 1.10% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average1.90%▲ 1.10% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 13, 2026
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
3101 S Church St, Burlington, NC 27215
Standard CDs and IRAs - 3 Month
$0
3.00% ▲ 1.10% above North Carolina avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average1.90%▲ 1.10% above avgNationally 2.09%
Details

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Rate History
No change since Oct 7, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 7, 2026: 3.00% APYOct 7, 2026Oct 13, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
88 Hillsboro St, Pittsboro, NC 27312
3 Month Certificate
$0
2.94% ▲ 1.04% above North Carolina avg
View
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average1.90%▲ 1.04% above avgNationally 2.09%
Details

Rate History
No change since Sep 24, 2026 · 2.94% APY · checked 5 times
2.44%2.94%3.44%Sep 24, 2026: 2.94% APYSep 24, 2026Oct 13, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7521 Pineville Matthews Rd, Charlotte, NC 28226
Regular, IRA & Business Jumbo Certificates - 3 months
$0
2.65% ▲ 0.75% above North Carolina avg
View
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average1.90%▲ 0.75% above avgNationally 2.09%
Details

Rate History
1 change since Sep 18, 2026 · 2.55% → 2.65% ▲ 0.10 pts · high 2.65% / low 2.55%
2.05%2.60%3.15%Sep 18, 2026: 2.55% APYOct 1, 2026: 2.65% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20262.65%▲ from 2.55%
  • Sep 18, 20262.55%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7521 Pineville Matthews Rd, Charlotte, NC 28226
Regular, IRA & Business Junior Jumbo Certificates - 3 months
$0
2.55% ▲ 0.65% above North Carolina avg
View
▼
Rate2.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average1.90%▲ 0.65% above avgNationally 2.09%
Details

Rate History
1 change since Sep 18, 2026 · 2.45% → 2.55% ▲ 0.10 pts · high 2.55% / low 2.45%
1.95%2.50%3.05%Sep 18, 2026: 2.45% APYOct 1, 2026: 2.55% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20262.55%▲ from 2.45%
  • Sep 18, 20262.45%first recorded
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
4100 Clemmons Rd, Clemmons, NC 27012
3 Month Term
$0
2.50% ▲ 0.60% above North Carolina avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average1.90%▲ 0.60% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 6 times
2.00%2.50%3.00%Sep 18, 2026: 2.50% APYSep 18, 2026Oct 13, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
4100 Clemmons Rd, Clemmons, NC 27012
Business 3 Month Term
$0
2.50% ▲ 0.60% above North Carolina avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average1.90%▲ 0.60% above avgNationally 2.09%
Details

Balance: $100,000+

Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 5 times
2.00%2.50%3.00%Sep 24, 2026: 2.50% APYSep 24, 2026Oct 13, 2026
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4997 Home Rd, Winston Salem, NC 27106
3 Month Certificate
$500
2.50% ▲ 0.60% above North Carolina avg
View
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average1.90%▲ 0.60% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 7 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 13, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
4100 Clemmons Rd, Clemmons, NC 27012
3 Month Term
$0
2.45% ▲ 0.55% above North Carolina avg
View
▼
Rate2.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average1.90%▲ 0.55% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 2.45% APY · checked 6 times
1.95%2.45%2.95%Sep 18, 2026: 2.45% APYSep 18, 2026Oct 13, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
4100 Clemmons Rd, Clemmons, NC 27012
Business 3 Month Term
$0
2.45% ▲ 0.55% above North Carolina avg
View
▼
Rate2.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average1.90%▲ 0.55% above avgNationally 2.09%
Details

Balance: $25,000 - $99,999

Rate History
No change since Sep 24, 2026 · 2.45% APY · checked 5 times
1.95%2.45%2.95%Sep 24, 2026: 2.45% APYSep 24, 2026Oct 13, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7521 Pineville Matthews Rd, Charlotte, NC 28226
Regular, IRA & Business Certificates - 3 months
$0
2.45% ▲ 0.55% above North Carolina avg
View
▼
Rate2.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average1.90%▲ 0.55% above avgNationally 2.09%
Details

Rate History
1 change since Sep 18, 2026 · 2.34% → 2.45% ▲ 0.11 pts · high 2.45% / low 2.34%
1.84%2.40%2.95%Sep 18, 2026: 2.34% APYOct 1, 2026: 2.45% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20262.45%▲ from 2.34%
  • Sep 18, 20262.34%first recorded
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
4100 Clemmons Rd, Clemmons, NC 27012
3 Month Term
$0
2.40% ▲ 0.50% above North Carolina avg
View
▼
Rate2.37%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average1.90%▲ 0.50% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 2.40% APY · checked 6 times
1.90%2.40%2.90%Sep 18, 2026: 2.40% APYSep 18, 2026Oct 13, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
4100 Clemmons Rd, Clemmons, NC 27012
Business 3 Month Term
$0
2.40% ▲ 0.50% above North Carolina avg
View
▼
Rate2.37%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average1.90%▲ 0.50% above avgNationally 2.09%
Details

Balance: $5,000 - $24,999

Rate History
No change since Sep 24, 2026 · 2.40% APY · checked 5 times
1.90%2.40%2.90%Sep 24, 2026: 2.40% APYSep 24, 2026Oct 13, 2026
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1691 Westbrook Plaza Dr, Winston Salem, NC 27103 2993
IRA Certificate - 3 Month
$500
2.40% ▲ 0.50% above North Carolina avg
View
▼
Rate2.37%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average1.90%▲ 0.50% above avgNationally 2.09%
Details

Published APY range: 2.40% - 2.60%; Published rate range: 2.37% - 2.57%. Balance: $500.00 - $250,000.00

Rate History
No change since Sep 14, 2026 · 2.40% APY · checked 8 times
1.90%2.40%2.90%Sep 14, 2026: 2.40% APYSep 14, 2026Oct 13, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
4100 Clemmons Rd, Clemmons, NC 27012
3 Month Term
$0
2.34% ▲ 0.44% above North Carolina avg
View
▼
Rate2.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average1.90%▲ 0.44% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 2.34% APY · checked 6 times
1.84%2.34%2.84%Sep 18, 2026: 2.34% APYSep 18, 2026Oct 13, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
4100 Clemmons Rd, Clemmons, NC 27012
Business 3 Month Term
$0
2.34% ▲ 0.44% above North Carolina avg
View
▼
Rate2.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average1.90%▲ 0.44% above avgNationally 2.09%
Details

Balance: $250 - $4,999

Rate History
No change since Sep 24, 2026 · 2.34% APY · checked 5 times
1.84%2.34%2.84%Sep 24, 2026: 2.34% APYSep 24, 2026Oct 13, 2026
Revity Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.13%
217 N Greene St, Greensboro, NC 27401
3 Month Jumbo & Jumbo IRA Certificates
$50,000
2.33% ▲ 0.43% above North Carolina avg
View
▼
Rate2.30%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average1.90%▲ 0.43% above avgNationally 2.09%
Details

Rate History
No change since Oct 5, 2026 · 2.33% APY · checked 3 times
1.83%2.33%2.83%Oct 5, 2026: 2.33% APYOct 5, 2026Oct 13, 2026
Revity Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.13%
217 N Greene St, Greensboro, NC 27401
3 Month Mini Jumbo & Mini Jumbo IRA Certificate
$10,000
2.33% ▲ 0.43% above North Carolina avg
View
▼
Rate2.30%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average1.90%▲ 0.43% above avgNationally 2.09%
Details

Rate History
No change since Oct 5, 2026 · 2.33% APY · checked 3 times
1.83%2.33%2.83%Oct 5, 2026: 2.33% APYOct 5, 2026Oct 13, 2026
Revity Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.13%
217 N Greene St, Greensboro, NC 27401
3 Month Regular & IRA Certificates
$500
2.33% ▲ 0.43% above North Carolina avg
View
▼
Rate2.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average1.90%▲ 0.43% above avgNationally 2.09%
Details

Add-on available with Regular Certificates only; Youth Club/Teen Club may open with $100 minimum

Rate History
No change since Oct 5, 2026 · 2.33% APY · checked 3 times
1.83%2.33%2.83%Oct 5, 2026: 2.33% APYOct 5, 2026Oct 13, 2026
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1691 Westbrook Plaza Dr, Winston Salem, NC 27103 2993
3 Month Certificate
$500
2.30% ▲ 0.40% above North Carolina avg
View
▼
Rate2.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average1.90%▲ 0.40% above avgNationally 2.09%
Details

Published APY range: 2.30% - 2.50%; Published rate range: 2.27% - 2.47%. Balance: $500.00 - $250,000.00

Rate History
No change since Sep 14, 2026 · 2.30% APY · checked 6 times
1.80%2.30%2.80%Sep 14, 2026: 2.30% APYSep 14, 2026Oct 13, 2026
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
2000 Continental Blvd, Charlotte, NC 28273
3 Month Share Certificate
$0
2.15% ▲ 0.25% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average1.90%▲ 0.25% above avgNationally 2.09%
Details

Effective January 2, 2026; dividends compounded and paid monthly; early withdrawal penalties apply

Rate History
No change since Oct 9, 2026 · 2.15% APY · checked 2 times
1.65%2.15%2.65%Oct 9, 2026: 2.15% APYOct 9, 2026Oct 13, 2026
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
2000 Continental Blvd, Charlotte, NC 28273
3 Month Young Certificates
$0
2.15% ▲ 0.25% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average1.90%▲ 0.25% above avgNationally 2.09%
Details

For Youth (under age 18) and Young Adults (through age 23); Effective January 2, 2026

Rate History
No change since Sep 18, 2026 · 2.15% APY · checked 5 times
1.65%2.15%2.65%Sep 18, 2026: 2.15% APYSep 18, 2026Oct 13, 2026
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
2000 Continental Blvd, Charlotte, NC 28273
IRA Certificates - 3 Months
$0
2.15% ▲ 0.25% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average1.90%▲ 0.25% above avgNationally 2.09%
Details

IRA Certificates can be used as Traditional or Roth IRAs, or for Coverdell Education Savings. Early withdrawal penalties apply. Dividends compounded and paid monthly. Effective January 2, 2026

Rate History
No change since Sep 14, 2026 · 2.15% APY · checked 2 times
1.65%2.15%2.65%Sep 14, 2026: 2.15% APYSep 14, 2026Oct 13, 2026
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
1815 Kildaire Farm Rd, Cary, NC 27518
90 Day Standard Personal Share Certificates
$0
2.02% ▲ 0.12% above North Carolina avg
View
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average1.90%▲ 0.12% above avgNationally 2.09%
Details

Opening deposit of $10,000.00 and above; Early withdrawal penalties may apply and reduce earnings.

Rate History
1 change since Sep 12, 2026 · 1.92% → 2.02% ▲ 0.10 pts · high 2.02% / low 1.92%
1.42%1.97%2.52%Sep 12, 2026: 1.92% APYOct 12, 2026: 2.02% APYSep 12, 2026Oct 13, 2026
  • Oct 12, 20262.02%▲ from 1.92%
  • Sep 12, 20261.92%first recorded
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
705 E Dixon Blvd, Shelby, NC 28152
3 Month CD
$500
2.00% ▲ 0.10% above North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average1.90%▲ 0.10% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 7 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 13, 2026
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
1815 Kildaire Farm Rd, Cary, NC 27518
Standard Personal Share Certificates - 90 Days
$0
1.92% ▲ 0.02% above North Carolina avg
View
▼
Rate1.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average1.90%▲ 0.02% above avgNationally 2.09%
Details

Balance: $500 - $9,999.99

Rate History
No change since Sep 12, 2026 · 1.92% APY · checked 7 times
1.42%1.92%2.42%Sep 12, 2026: 1.92% APYSep 12, 2026Oct 13, 2026
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
209 Turnersburg Hwy, Statesville, NC 28625 2797
3 Month Certificate
$0
1.50% ▼ 0.40% below North Carolina avg
View
▼
Rate1.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average1.90%▼ 0.40% below avgNationally 2.09%
Details

Effective Date: October 01, 2026

Rate History
1 change since Sep 12, 2026 · 1.25% → 1.50% ▲ 0.25 pts · high 1.50% / low 1.25%
0.75%1.38%2.00%Sep 12, 2026: 1.25% APYOct 12, 2026: 1.50% APYSep 12, 2026Oct 13, 2026
  • Oct 12, 20261.50%▲ from 1.25%
  • Sep 12, 20261.25%first recorded
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
209 Turnersburg Hwy, Statesville, NC 28625 2797
Share and IRA Certificates - 3 Months
$0
1.50% ▼ 0.40% below North Carolina avg
View
▼
Rate1.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average1.90%▼ 0.40% below avgNationally 2.09%
Details

APY with Bonus Rate: 1.60%

Rate History
No change since Oct 12, 2026 · 1.50% APY
1.00%1.50%2.00%Oct 12, 2026: 1.50% APYOct 12, 2026Oct 13, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
15280 Us Highway 17, Hampstead, NC 28443
3 Month - Relationship
$0
1.00% ▼ 0.90% below North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average1.90%▼ 0.90% below avgNationally 2.09%
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Oct 7, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 7, 2026: 1.00% APYOct 7, 2026Oct 13, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
15280 Us Highway 17, Hampstead, NC 28443
3 Month Certificate
$0
1.00% ▼ 0.90% below North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average1.90%▼ 0.90% below avgNationally 2.09%
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 6 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 13, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
15280 Us Highway 17, Hampstead, NC 28443
3 Month TD Choice CD
$250
1.00% ▼ 0.90% below North Carolina avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average1.90%▼ 0.90% below avgNationally 2.09%
Details

Relationship APY; Balance: $250.00 - $9,999.99

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Oct 13, 2026
Fort Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
4172 Hefner Dr, Fort Bragg, NC 28310
3 Month Term Share Certificate - Regular Term
$500
1.00% ▼ 0.90% below North Carolina avg
View
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average1.90%▼ 0.90% below avgNationally 2.09%
Details

Type: FIXED; Non-IRA and IRA; Effective Date: 10/01/2026

Rate History
No change since Oct 13, 2026 · 1.00% APY
0.50%1.00%1.50%Oct 13, 2026: 1.00% APYOct 13, 2026Oct 13, 2026
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
9377 N US Highway 301, Whitakers, NC 27891 8621
3 Month Share Certificate
$100,000
0.90% ▼ 1.00% below North Carolina avg
View
▼
Rate0.90%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average1.90%▼ 1.00% below avgNationally 2.09%
Details

Minimum Deposit: $500; Dividend: 0.85%; APY: 0.85%

Rate History
No change since Sep 18, 2026 · 0.90% APY · checked 2 times
0.40%0.90%1.40%Sep 18, 2026: 0.90% APYSep 18, 2026Oct 13, 2026
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
9377 N US Highway 301, Whitakers, NC 27891 8621
Business 3 Month Share Certificate
$100,000
0.90% ▼ 1.00% below North Carolina avg
View
▼
Rate0.90%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average1.90%▼ 1.00% below avgNationally 2.09%
Details

Balance: $500 - $100,000

Rate History
No change since Sep 22, 2026 · 0.90% APY · checked 4 times
0.40%0.90%1.40%Sep 22, 2026: 0.90% APYSep 22, 2026Oct 13, 2026
Benchmark Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
3619 Rogers Rd, Wake Forest, NC 27587
Premium - 3 Months
$0
0.85% ▼ 1.05% below North Carolina avg
View
▼
Rate0.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average1.90%▼ 1.05% below avgNationally 2.09%
Details

Rate History
No change since Sep 8, 2026 · 0.85% APY · checked 5 times
0.35%0.85%1.35%Sep 8, 2026: 0.85% APYSep 8, 2026Oct 13, 2026
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
9377 N US Highway 301, Whitakers, NC 27891 8621
3 Month Share Certificate
$500
0.85% ▼ 1.05% below North Carolina avg
View
▼
Rate0.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average1.90%▼ 1.05% below avgNationally 2.09%
Details

Minimum Deposit: $100,000; Dividend: 0.90%; APY: 0.90%

Rate History
No change since Sep 18, 2026 · 0.85% APY · checked 2 times
0.35%0.85%1.35%Sep 18, 2026: 0.85% APYSep 18, 2026Oct 13, 2026
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
9377 N US Highway 301, Whitakers, NC 27891 8621
Business 3 Month Share Certificate
$500
0.85% ▼ 1.05% below North Carolina avg
View
▼
Rate0.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average1.90%▼ 1.05% below avgNationally 2.09%
Details

Balance: $500 - $100,000

Rate History
No change since Sep 22, 2026 · 0.85% APY · checked 4 times
0.35%0.85%1.35%Sep 22, 2026: 0.85% APYSep 22, 2026Oct 13, 2026
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
1475 N New Hope Rd, Gastonia, NC 28054
90-Day Certificate - Premier Member
$500
0.80% ▼ 1.10% below North Carolina avg
View
▼
Rate0.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average1.90%▼ 1.10% below avgNationally 2.09%
Details

Premier Member; minimum balance to open a certificate is $500

Rate History
No change since Oct 8, 2026 · 0.80% APY · checked 2 times
0.30%0.80%1.30%Oct 8, 2026: 0.80% APYOct 8, 2026Oct 13, 2026
First Bank Strasburg, VA
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
778 Old Farm Rd S, Roanoke Rapids, NC 27870
3 Month Certificate of Deposit
$0
0.75% ▼ 1.15% below North Carolina avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average1.90%▼ 1.15% below avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 8, 2026: 0.75% APYOct 8, 2026Oct 13, 2026
Benchmark Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
3619 Rogers Rd, Wake Forest, NC 27587
Regular Time Deposits & IRAs - 3 Months
$0
0.60% ▼ 1.30% below North Carolina avg
View
▼
Rate0.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average1.90%▼ 1.30% below avgNationally 2.09%
Details

Rate History
No change since Sep 8, 2026 · 0.60% APY · checked 8 times
0.10%0.60%1.10%Sep 8, 2026: 0.60% APYSep 8, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
67 Pitts Station Rd, Marion, NC 28752 7925
3-month term
$0
0.60% ▼ 1.30% below North Carolina avg
View
▼
Rate0.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average1.90%▼ 1.30% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 0.60% APY · checked 6 times
0.10%0.60%1.10%Sep 14, 2026: 0.60% APYSep 14, 2026Oct 13, 2026
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
1475 N New Hope Rd, Gastonia, NC 28054
90-Day Certificate - Non-premier member
$500
0.55% ▼ 1.35% below North Carolina avg
View
▼
Rate0.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average1.90%▼ 1.35% below avgNationally 2.09%
Details

Non-premier member; minimum balance to open a certificate is $500

Rate History
No change since Oct 8, 2026 · 0.55% APY · checked 2 times
0.05%0.55%1.05%Oct 8, 2026: 0.55% APYOct 8, 2026Oct 13, 2026
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
241 Green St, Fayetteville, NC 28301
3 Month CD
$500
0.50% ▼ 1.40% below North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average1.90%▼ 1.40% below avgNationally 2.09%
Details

Rate History
No change since Sep 9, 2026 · 0.50% APY · checked 3 times
0.00%0.50%1.00%Sep 9, 2026: 0.50% APYSep 9, 2026Oct 13, 2026
Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
201 S Stratford Rd, Winston Salem, NC 27103
3 Month CD
$500
0.50% ▼ 1.40% below North Carolina avg
View
▼
Rate0.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Carolina Average1.90%▼ 1.40% below avgNationally 2.09%
Details

Rate History
No change since Sep 15, 2026 · 0.50% APY · checked 5 times
0.00%0.50%1.00%Sep 15, 2026: 0.50% APYSep 15, 2026Oct 13, 2026
Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
3 Academy ST, Canton, NC 28716
Business Edge - 90 Day Certificate
$1,000
0.50% ▼ 1.40% below North Carolina avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average1.90%▼ 1.40% below avgNationally 2.09%
Details

Business Edge

Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 5 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
67 Pitts Station Rd, Marion, NC 28752 7925
3-month term Standard CD
$0
0.50% ▼ 1.40% below North Carolina avg
View
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average1.90%▼ 1.40% below avgNationally 2.09%
Details

Regular APY

Rate History
No change since Sep 27, 2026 · 0.50% APY · checked 4 times
0.00%0.50%1.00%Sep 27, 2026: 0.50% APYSep 27, 2026Oct 13, 2026

North Carolina 6 Month CD Rates

MonitorBankRates North Carolina Average · 6 Month CD2.89% APY▲ 0.02% from last weekNational 2.78%
View 6-month CD rate trend

The average 6-month CD rate in North Carolina is 2.89% APY, compared with 2.78% nationally, as of October 13, 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
Live Oak Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.23%
1757 Tiburon Dr, Wilmington, NC 28403
6-month CD
$0
4.10% ▲ 1.21% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average2.89%▲ 1.21% above avgNationally 2.78%
Details

Rate History
1 change since Sep 18, 2026 · 3.95% → 4.10% ▲ 0.15 pts · high 4.10% / low 3.95%
3.45%4.03%4.60%Sep 18, 2026: 3.95% APYOct 2, 2026: 4.10% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20264.10%▲ from 3.95%
  • Sep 18, 20263.95%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
3700 South Blvd, Charlotte, NC 28209
6 Month Jumbo CD
$50,000
4.10% ▲ 1.21% above North Carolina avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.89%▲ 1.21% above avgNationally 2.78%
Details

Rate History
1 change since Sep 21, 2026 · 3.75% → 4.10% ▲ 0.35 pts · high 4.10% / low 3.75%
3.25%3.93%4.60%Sep 21, 2026: 3.75% APYOct 5, 2026: 4.10% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.10%▲ from 3.75%
  • Sep 21, 20263.75%first recorded
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
121 W Trade St Ste 1150, Charlotte, NC 28202
6-MONTH CD
$2,500
4.10% ▲ 1.21% above North Carolina avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.89%▲ 1.21% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
3.20%3.90%4.60%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.10%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
2000 John Deere Run, Cary, NC 27513
6 Month Certificate
$500
4.10% ▲ 1.21% above North Carolina avg
View
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.89%▲ 1.21% above avgNationally 2.78%
Details

HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. 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.

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 14, 2026: 4.00% APYSep 27, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20264.10%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.95%
316 NC Hwy 149 N, Plymouth, NC 27962
6 Month Share Certificate
$500
4.02% ▲ 1.13% above North Carolina avg
View
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.89%▲ 1.13% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.56% → 4.02% ▲ 0.46 pts · high 4.02% / low 3.56%
3.06%3.79%4.52%Sep 14, 2026: 3.56% APYOct 13, 2026: 4.02% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.02%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
3700 South Blvd, Charlotte, NC 28209
6 Month IRA Traditional & Roth CD
$500
4.00% ▲ 1.11% above North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.89%▲ 1.11% above avgNationally 2.78%
Details

Rate History
1 change since Sep 21, 2026 · 3.65% → 4.00% ▲ 0.35 pts · high 4.00% / low 3.65%
3.15%3.83%4.50%Sep 21, 2026: 3.65% APYOct 13, 2026: 4.00% APYSep 21, 2026Oct 13, 2026
  • Oct 13, 20264.00%▲ from 3.65%
  • Sep 21, 20263.65%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
3700 South Blvd, Charlotte, NC 28209
6 Month Regular CD
$500
4.00% ▲ 1.11% above North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.89%▲ 1.11% above avgNationally 2.78%
Details

Rate History
1 change since Sep 21, 2026 · 3.65% → 4.00% ▲ 0.35 pts · high 4.00% / low 3.65%
3.15%3.83%4.50%Sep 21, 2026: 3.65% APYOct 5, 2026: 4.00% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.00%▲ from 3.65%
  • Sep 21, 20263.65%first recorded
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1000 Saint Albans Dr, Raleigh, NC 27609
6 Month IRA Certificate
$250
4.00% ▲ 1.11% above North Carolina avg
View
▼
Rate3.93%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.89%▲ 1.11% above avgNationally 2.78%
Details

Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 6, 2026: 4.00% APYOct 6, 2026Oct 13, 2026
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1000 Saint Albans Dr, Raleigh, NC 27609
6-Month Certificate
$250
4.00% ▲ 1.11% above North Carolina avg
View
▼
Rate3.93%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.89%▲ 1.11% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
CAROLINA
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
1200 E Church St, Cherryville, NC 28021 9211
6 Month CD
$1,000
3.90% ▲ 1.01% above North Carolina avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.89%▲ 1.01% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.60% → 3.90% ▲ 0.30 pts · high 3.90% / low 3.60%
3.10%3.75%4.40%Sep 14, 2026: 3.60% APYOct 6, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
  • Oct 6, 20263.90%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.13%
1125 ACADEMY ST N, AHOSKIE, NC 27910
Share Term Certificates (STCs) - 6 months
$250
3.85% ▲ 0.96% above North Carolina avg
View
▼
Rate3.85%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.89%▲ 0.96% above avgNationally 2.78%
Details

Interest rate and APY shown as 3.85% / 3.85% APY

Rate History
No change since Oct 13, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 13, 2026: 3.85% APYOct 13, 2026Oct 13, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
323 W Jones St, Raleigh, NC 27603 1369
6 Month Business Jumbo Choice Certificate 6
$75,000
3.80% ▲ 0.91% above North Carolina avg
View
▼
Rate3.73%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.89%▲ 0.91% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 8 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
323 W Jones St, Raleigh, NC 27603 1369
6 Month Jumbo Choice Certificate 6
$75,000
3.80% ▲ 0.91% above North Carolina avg
View
▼
Rate3.73%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.89%▲ 0.91% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 8 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
Mcdowell Cornerstone Credit Union CU
Institution Rating:
A5.0 ★Texas Ratio: 8.17%
2031 RUTHERFORD RD, MARION, NC 28752
6 Month Certificate
$1,000
3.80% ▲ 0.91% above North Carolina avg
View
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.89%▲ 0.91% above avgNationally 2.78%
Details

Rate History
1 change since Sep 18, 2026 · 3.91% → 3.80% ▼ 0.11 pts · high 3.91% / low 3.80%
3.30%3.86%4.41%Sep 18, 2026: 3.91% APYOct 9, 2026: 3.80% APYSep 18, 2026Oct 13, 2026
  • Oct 9, 20263.80%▼ from 3.91%
  • Sep 18, 20263.91%first recorded
First Carolina Peoples Credit Union
Institution Rating:
F2.0 ★Texas Ratio: 51.11%
201 E ASH ST, GOLDSBORO, NC 27530
6 Month Share Certificates
$0
3.80% ▲ 0.91% above North Carolina avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.89%▲ 0.91% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Sep 18, 2026: 3.80% APYSep 18, 2026Oct 13, 2026
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
302 Charlotte St, Hamlet, NC 28345
Regular Certificates - 6 Month
$0
3.75% ▲ 0.86% above North Carolina avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.89%▲ 0.86% above avgNationally 2.78%
Details

Rate History
No change since Oct 6, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 6, 2026: 3.75% APYOct 6, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
2607 Mill St, Winterville, NC 28590
6-Month CD
$0
3.75% ▲ 0.86% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.89%▲ 0.86% above avgNationally 2.78%
Details

Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
2607 Mill St, Winterville, NC 28590
6-Month Term
$1,000
3.75% ▲ 0.86% above North Carolina avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.89%▲ 0.86% above avgNationally 2.78%
Details

Rate History
No change since Sep 27, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 27, 2026: 3.75% APYSep 27, 2026Oct 13, 2026
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
562 Caratoke Hwy, Moyock, NC 27958 8740
IRA Certificate - 6 Months (Reg/Roth/Educ)
$100,000
3.70% ▲ 0.81% above North Carolina avg
View
▼
Rate3.64%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.89%▲ 0.81% above avgNationally 2.78%
Details

Rate History
1 change since Sep 18, 2026 · 3.25% → 3.70% ▲ 0.45 pts · high 3.70% / low 3.25%
2.75%3.48%4.20%Sep 18, 2026: 3.25% APYSep 25, 2026: 3.70% APYSep 18, 2026Oct 13, 2026
  • Sep 25, 20263.70%▲ from 3.25%
  • Sep 18, 20263.25%first recorded
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
323 W Jones St, Raleigh, NC 27603 1369
6 Month IRA Choice Certificate 6
$250
3.70% ▲ 0.81% above North Carolina avg
View
▼
Rate3.63%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.89%▲ 0.81% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 8 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
2500 NC Highway 86 S, Hillsborough, NC 27278
IRA Share Certificate (180 Day)
$500
3.70% ▲ 0.81% above North Carolina avg
View
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.89%▲ 0.81% above avgNationally 2.78%
Details

IRA; applicable to Roth and Traditional IRA share certificate deposits; dividends compounded and posted monthly; early withdrawal subject to penalty

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
Roxboro Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
313 S Main St, Roxboro, NC 27573
6 Month Certificate of Deposit
$0
3.65% ▲ 0.76% above North Carolina avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average2.89%▲ 0.76% above avgNationally 2.78%
Details

Rate History
No change since Oct 8, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 8, 2026: 3.65% APYOct 8, 2026Oct 13, 2026
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
562 Caratoke Hwy, Moyock, NC 27958 8740
Certificate - 6 Months
$100,000
3.65% ▲ 0.76% above North Carolina avg
View
▼
Rate3.59%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.89%▲ 0.76% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.20% → 3.65% ▲ 0.45 pts · high 3.65% / low 3.20%
2.70%3.43%4.15%Sep 14, 2026: 3.20% APYSep 25, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20263.65%▲ from 3.20%
  • Sep 14, 20263.20%first recorded
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
562 Caratoke Hwy, Moyock, NC 27958 8740
IRA Certificate - 6 Months (Reg/Roth/Educ)
$1,000
3.65% ▲ 0.76% above North Carolina avg
View
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.89%▲ 0.76% above avgNationally 2.78%
Details

Rate History
1 change since Sep 18, 2026 · 3.20% → 3.65% ▲ 0.45 pts · high 3.65% / low 3.20%
2.70%3.43%4.15%Sep 18, 2026: 3.20% APYSep 25, 2026: 3.65% APYSep 18, 2026Oct 13, 2026
  • Sep 25, 20263.65%▲ from 3.20%
  • Sep 18, 20263.20%first recorded
Excite Credit Union
Institution Rating:
A4.9 ★Texas Ratio: 5.41%
2465 S 17th St, Wilmington, NC 28401
6 Month Business Certificate
$500
3.65% ▲ 0.76% above North Carolina avg
View
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.89%▲ 0.76% above avgNationally 2.78%
Details

APY=Annual Percentage Yield; 4.170% Dividend Rate

Rate History
No change since Sep 22, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Sep 22, 2026: 3.65% APYSep 22, 2026Oct 13, 2026
Riverside Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
325 Becker Dr, Roanoke Rapids, NC 27870
6 Month Certificate
$0
3.61% ▲ 0.72% above North Carolina avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Carolina Average2.89%▲ 0.72% above avgNationally 2.78%
Details

Balance: $1,000 - $1,000

Rate History
No change since Sep 24, 2026 · 3.61% APY · checked 5 times
3.11%3.61%4.11%Sep 24, 2026: 3.61% APYSep 24, 2026Oct 13, 2026
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
562 Caratoke Hwy, Moyock, NC 27958 8740
Certificate - 6 Months
$1,000
3.60% ▲ 0.71% above North Carolina avg
View
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.89%▲ 0.71% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.15% → 3.60% ▲ 0.45 pts · high 3.60% / low 3.15%
2.65%3.38%4.10%Sep 14, 2026: 3.15% APYSep 25, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20263.60%▲ from 3.15%
  • Sep 14, 20263.15%first recorded
RTP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
915 N Harrison Ave, Cary, NC 27513 3904
6 Month Business Certificate Accounts
$250
3.56% ▲ 0.67% above North Carolina avg
View
▼
Rate3.50%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.89%▲ 0.67% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.56% ▲ 0.26 pts · high 3.56% / low 3.30%
2.80%3.43%4.06%Sep 14, 2026: 3.30% APYOct 5, 2026: 3.56% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.56%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
3 Academy ST, Canton, NC 28716
6-mo. Share Certificate
$1,000
3.55% ▲ 0.66% above North Carolina avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.89%▲ 0.66% above avgNationally 2.78%
Details

Senior Rewards

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 5 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
TCP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
3051 Westinghouse Rd, Rural Hall, NC 27045 9570
Share Term Certificate - 6 Month
$250
3.54% ▲ 0.65% above North Carolina avg
View
▼
Rate3.50%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.89%▲ 0.65% above avgNationally 2.78%
Details

Fixed Rate

Rate History
No change since Sep 14, 2026 · 3.54% APY · checked 5 times
3.04%3.54%4.04%Sep 14, 2026: 3.54% APYSep 14, 2026Oct 13, 2026
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
2917 Village Dr, Fayetteville, NC 28304 3814
6 Month Share Certificate
$500
3.50% ▲ 0.61% above North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average2.89%▲ 0.61% above avgNationally 2.78%
Details

Maximum Balance to Earn: $250,000.00; Compounds: Monthly

Rate History
No change since Sep 12, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 12, 2026: 3.50% APYSep 12, 2026Oct 13, 2026
Fort Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
4172 Hefner Dr, Fort Bragg, NC 28310
6 Month Term Share Certificate - Regular Term
$500
3.50% ▲ 0.61% above North Carolina avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.89%▲ 0.61% above avgNationally 2.78%
Details

Type: FIXED; Non-IRA and IRA; Effective Date: 10/01/2026

Rate History
No change since Oct 13, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 13, 2026
Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
3 Academy ST, Canton, NC 28716
6-mo. Share Certificate
$1,000
3.50% ▲ 0.61% above North Carolina avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.89%▲ 0.61% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
Building 603 Suite 100, Liberty, NC 27298
6 Month IRA Certificate
$0
3.45% ▲ 0.56% above North Carolina avg
View
▼
Rate3.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
North Carolina Average2.89%▲ 0.56% above avgNationally 2.78%
Details

Rate History
No change since Sep 29, 2026 · 3.45% APY
2.95%3.45%3.95%Sep 29, 2026: 3.45% APYSep 29, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
Building 603 Suite 100, Liberty, NC 27298
6 Month Share Certificates
$0
3.45% ▲ 0.56% above North Carolina avg
View
▼
Rate3.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
North Carolina Average2.89%▲ 0.56% above avgNationally 2.78%
Details

Rate History
No change since Sep 29, 2026 · 3.45% APY
2.95%3.45%3.95%Sep 29, 2026: 3.45% APYSep 29, 2026Oct 13, 2026
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
100 W Morgan St, Durham, NC 27701 3315
6 Month Term Certificate
$200,000
3.40% ▲ 0.51% above North Carolina avg
View
▼
Rate3.40%
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.89%▲ 0.51% above avgNationally 2.78%
Details

Rate History
No change since Oct 10, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 10, 2026: 3.40% APYOct 10, 2026Oct 13, 2026
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
214 Pacific Ave, Durham, NC 27704
6 Month Certificate or IRA
$0
3.35% ▲ 0.46% above North Carolina avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.89%▲ 0.46% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 8 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 13, 2026
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
100 W Morgan St, Durham, NC 27701 3315
6 Month Term Certificate
$100,000
3.35% ▲ 0.46% above North Carolina avg
View
▼
Rate3.35%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.89%▲ 0.46% above avgNationally 2.78%
Details

Rate History
No change since Oct 10, 2026 · 3.35% APY
2.85%3.35%3.85%Oct 10, 2026: 3.35% APYOct 10, 2026Oct 13, 2026
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
5712 Creedmoor Rd, Raleigh, NC 27612
6 Month Share Certificate Accounts
$500
3.30% ▲ 0.41% above North Carolina avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.89%▲ 0.41% above avgNationally 2.78%
Details

Rate History
No change since Sep 21, 2026 · 3.30% APY · checked 4 times
2.80%3.30%3.80%Sep 21, 2026: 3.30% APYSep 21, 2026Oct 13, 2026
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
5712 Creedmoor Rd, Raleigh, NC 27612
IRA Certificate Accounts - 6 Month
$500
3.30% ▲ 0.41% above North Carolina avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.89%▲ 0.41% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
2098 Frontis Plaza Blvd Ste A, Winston Salem, NC 27103 5779
6 Month Certificate
$500
3.25% ▲ 0.36% above North Carolina avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.89%▲ 0.36% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.10% → 3.25% ▲ 0.15 pts · high 3.25% / low 3.10%
2.60%3.18%3.75%Sep 14, 2026: 3.10% APYOct 9, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.25%▲ from 3.10%
  • Sep 14, 20263.10%first recorded
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4997 Home Rd, Winston Salem, NC 27106
6 Month Certificate
$500
3.25% ▲ 0.36% above North Carolina avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.89%▲ 0.36% above avgNationally 2.78%
Details

Balance: $50,000.00 or greater

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Emergency Responders Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
1777 Link Rd, Winston Salem, NC 27103 4625
Certificate of Deposit - 6 Months
$500
3.25% ▲ 0.36% above North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.89%▲ 0.36% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 2.75% → 3.25% ▲ 0.50 pts · high 3.25% / low 2.75%
2.25%3.00%3.75%Sep 14, 2026: 2.75% APYOct 1, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
  • Oct 1, 20263.25%▲ from 2.75%
  • Sep 14, 20262.75%first recorded
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
88 Hillsboro St, Pittsboro, NC 27312
6 Month Certificate
$0
3.20% ▲ 0.31% above North Carolina avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average2.89%▲ 0.31% above avgNationally 2.78%
Details

Rate History
No change since Sep 24, 2026 · 3.20% APY · checked 5 times
2.70%3.20%3.70%Sep 24, 2026: 3.20% APYSep 24, 2026Oct 13, 2026
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
100 W Morgan St, Durham, NC 27701 3315
6 Month Share Term Certificate
$500
3.20% ▲ 0.31% above North Carolina avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.89%▲ 0.31% above avgNationally 2.78%
Details

Rate History
No change since Oct 10, 2026 · 3.20% APY
2.70%3.20%3.70%Oct 10, 2026: 3.20% APYOct 10, 2026Oct 13, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
4100 Clemmons Rd, Clemmons, NC 27012
6 Month Term
$0
3.00% ▲ 0.11% above North Carolina avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average2.89%▲ 0.11% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 13, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
4100 Clemmons Rd, Clemmons, NC 27012
Business 6 Month Term
$0
3.00% ▲ 0.11% above North Carolina avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average2.89%▲ 0.11% above avgNationally 2.78%
Details

Balance: $100,000+

Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 24, 2026: 3.00% APYSep 24, 2026Oct 13, 2026
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
3101 S Church St, Burlington, NC 27215
Standard CDs and IRAs - 6 Month
$0
3.00% ▲ 0.11% above North Carolina avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average2.89%▲ 0.11% above avgNationally 2.78%
Details

Schedule an Appointment

Rate History
No change since Oct 7, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 7, 2026: 3.00% APYOct 7, 2026Oct 13, 2026
American Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
618 N Scales St, Reidsville, NC 27320 2941
6 Month IRA and Share Certificates
$500
3.00% ▲ 0.11% above North Carolina avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.89%▲ 0.11% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
6502 McMahan Dr, Charlotte, NC 28226
6 Month Term Certificate
$500
3.00% ▲ 0.11% above North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.89%▲ 0.11% above avgNationally 2.78%
Details

Early W/D penalty is 90 days interest

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 8 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026

North Carolina 12 Month CD Rates

MonitorBankRates North Carolina Average · 12 Month CD3.15% APY▲ 0.07% from last weekNational 2.99%
View 12-month CD rate trend

The average 12-month CD rate in North Carolina is 3.15% APY, compared with 2.99% nationally, as of October 13, 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
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
4100 Clemmons Rd, Clemmons, NC 27012
Limited-Time 12 Month Term (new external funds required)
$0
5.00% ▲ 1.85% above North Carolina avg
View
▼
Rate4.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average3.15%▲ 1.85% above avgNationally 2.99%
Details

New external funds required

Rate History
No change since Oct 7, 2026 · 5.00% APY · checked 2 times
4.50%5.00%5.50%Oct 7, 2026: 5.00% APYOct 7, 2026Oct 13, 2026
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4997 Home Rd, Winston Salem, NC 27106
12 Month Special Limited Term Certificate
$5,000
5.00% ▲ 1.85% above North Carolina avg
View
▼
Rate4.88%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.15%▲ 1.85% above avgNationally 2.99%
Details

Rate History
No change since Oct 9, 2026 · 5.00% APY · checked 3 times
4.50%5.00%5.50%Oct 9, 2026: 5.00% APYOct 9, 2026Oct 13, 2026
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
1475 N New Hope Rd, Gastonia, NC 28054
Traditional 12-Month IRA Certificate - Premier Member
$500
4.50% ▲ 1.35% above North Carolina avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average3.15%▲ 1.35% above avgNationally 2.99%
Details

Premier Member rate; Traditional & Roth Certificates Rates

Rate History
No change since Oct 12, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 12, 2026: 4.50% APYOct 12, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
105 Currituck Commerical Dr, Moyock, NC 27958
12 Month Special EasyStart Certificate
$50
4.35% ▲ 1.20% above North Carolina avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.15%▲ 1.20% above avgNationally 2.99%
Details

Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Sep 30, 2026: 4.35% APYSep 30, 2026Oct 13, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
3700 South Blvd, Charlotte, NC 28209
12 Month Elite Jumbo CD
$250,000
4.35% ▲ 1.20% above North Carolina avg
View
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.15%▲ 1.20% above avgNationally 2.99%
Details

Rate History
1 change since Sep 21, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
3.50%4.18%4.85%Sep 21, 2026: 4.00% APYOct 5, 2026: 4.35% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.35%▲ from 4.00%
  • Sep 21, 20264.00%first recorded
Live Oak Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.23%
1757 Tiburon Dr, Wilmington, NC 28403
1-Year CD
$0
4.30% ▲ 1.15% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average3.15%▲ 1.15% above avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 4.15% → 4.30% ▲ 0.15 pts · high 4.30% / low 4.15%
3.65%4.23%4.80%Sep 18, 2026: 4.15% APYOct 2, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20264.30%▲ from 4.15%
  • Sep 18, 20264.15%first recorded
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
2000 John Deere Run, Cary, NC 27513
12 Month Certificate
$500
4.30% ▲ 1.15% above North Carolina avg
View
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.15%▲ 1.15% above avgNationally 2.99%
Details

HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. 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.

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.30% ▲ 0.05 pts · high 4.30% / low 4.25%
3.75%4.28%4.80%Sep 14, 2026: 4.25% APYSep 27, 2026: 4.30% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20264.30%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
121 W Trade St Ste 1150, Charlotte, NC 28202
12-MONTH CD
$500
4.30% ▲ 1.15% above North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.15%▲ 1.15% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
3.30%4.05%4.80%Sep 14, 2026: 3.80% APYOct 10, 2026: 4.30% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.30%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
1475 N New Hope Rd, Gastonia, NC 28054
Traditional 12-Month IRA Certificate
$500
4.25% ▲ 1.10% above North Carolina avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average3.15%▲ 1.10% above avgNationally 2.99%
Details

Non-premier member rate; Traditional & Roth Certificates Rates

Rate History
1 change since Sep 14, 2026 · 4.50% → 4.25% ▼ 0.25 pts · high 4.50% / low 4.25%
3.75%4.38%5.00%Sep 14, 2026: 4.50% APYSep 25, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20264.25%▼ from 4.50%
  • Sep 14, 20264.50%first recorded
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
1 Floretta Pl, Raleigh, NC 27676 9803
IRA Certificate - 1 Year Starter Add-On
$0
4.25% ▲ 1.10% above North Carolina avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.15%▲ 1.10% above avgNationally 2.99%
Details

Rate History
No change since Oct 6, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 6, 2026: 4.25% APYOct 6, 2026Oct 13, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
3700 South Blvd, Charlotte, NC 28209
12 Month Jumbo CD
$50,000
4.20% ▲ 1.05% above North Carolina avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.15%▲ 1.05% above avgNationally 2.99%
Details

Rate History
1 change since Sep 21, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
3.35%4.03%4.70%Sep 21, 2026: 3.85% APYOct 5, 2026: 4.20% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.20%▲ from 3.85%
  • Sep 21, 20263.85%first recorded
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.95%
316 NC Hwy 149 N, Plymouth, NC 27962
12 Month Share Certificate
$500
4.18% ▲ 1.03% above North Carolina avg
View
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.15%▲ 1.03% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.87% → 4.18% ▲ 0.31 pts · high 4.18% / low 3.87%
3.37%4.03%4.68%Sep 14, 2026: 3.87% APYOct 13, 2026: 4.18% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.18%▲ from 3.87%
  • Sep 14, 20263.87%first recorded
Lions Share Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 17.46%
850 Harrison Rd, Salisbury, NC 28147 9021
12-Month IRA CD
$500
4.15% ▲ 1.00% above North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.15%▲ 1.00% above avgNationally 2.99%
Details

IRA Share Certificate (Traditional & Roth); $500 minimum

Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 7 times
3.65%4.15%4.65%Sep 18, 2026: 4.15% APYSep 18, 2026Oct 13, 2026
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1000 Saint Albans Dr, Raleigh, NC 27609
12 Month IRA Certificate
$250
4.15% ▲ 1.00% above North Carolina avg
View
▼
Rate4.07%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.15%▲ 1.00% above avgNationally 2.99%
Details

Rate History
No change since Oct 6, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 6, 2026: 4.15% APYOct 6, 2026Oct 13, 2026
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1000 Saint Albans Dr, Raleigh, NC 27609
12-Month Certificate
$250
4.15% ▲ 1.00% above North Carolina avg
View
▼
Rate4.07%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.15%▲ 1.00% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Sep 14, 2026: 4.00% APYOct 1, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
  • Oct 1, 20264.15%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
323 W Jones St, Raleigh, NC 27603 1369
12 Month Business Jumbo Choice Certificate 12
$75,000
4.10% ▲ 0.95% above North Carolina avg
View
▼
Rate4.02%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.15%▲ 0.95% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 8 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
323 W Jones St, Raleigh, NC 27603 1369
12 Month Jumbo Choice Certificate 12
$75,000
4.10% ▲ 0.95% above North Carolina avg
View
▼
Rate4.02%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.15%▲ 0.95% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 8 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
3700 South Blvd, Charlotte, NC 28209
1 Year IRA Traditional & Roth CD
$500
4.10% ▲ 0.95% above North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.15%▲ 0.95% above avgNationally 2.99%
Details

Rate History
1 change since Sep 21, 2026 · 3.75% → 4.10% ▲ 0.35 pts · high 4.10% / low 3.75%
3.25%3.93%4.60%Sep 21, 2026: 3.75% APYOct 13, 2026: 4.10% APYSep 21, 2026Oct 13, 2026
  • Oct 13, 20264.10%▲ from 3.75%
  • Sep 21, 20263.75%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
3700 South Blvd, Charlotte, NC 28209
12 Month Regular CD
$500
4.10% ▲ 0.95% above North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.15%▲ 0.95% above avgNationally 2.99%
Details

Rate History
1 change since Sep 21, 2026 · 3.75% → 4.10% ▲ 0.35 pts · high 4.10% / low 3.75%
3.25%3.93%4.60%Sep 21, 2026: 3.75% APYOct 5, 2026: 4.10% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.10%▲ from 3.75%
  • Sep 21, 20263.75%first recorded
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
1 Floretta Pl, Raleigh, NC 27676 9803
1 Year Add-On Certificate
$0
4.10% ▲ 0.95% above North Carolina avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.15%▲ 0.95% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 7 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
1 Floretta Pl, Raleigh, NC 27676 9803
Starter Certificate - 1 Year Add-On
$0
4.10% ▲ 0.95% above North Carolina avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.15%▲ 0.95% above avgNationally 2.99%
Details

Rate History
No change since Oct 6, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 6, 2026: 4.10% APYOct 6, 2026Oct 13, 2026
Duke University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
2200 W Main St Ste L100, Durham, NC 27705 4600
6-12 Month IRA Certificate
$500
4.08% ▲ 0.93% above North Carolina avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.15%▲ 0.93% above avgNationally 2.99%
Details

Penalty for early withdrawal, unless 59 1/2

Rate History
1 change since Sep 25, 2026 · 3.82% → 4.08% ▲ 0.26 pts · high 4.08% / low 3.82%
3.32%3.95%4.58%Sep 25, 2026: 3.82% APYOct 13, 2026: 4.08% APYSep 25, 2026Oct 13, 2026
  • Oct 13, 20264.08%▲ from 3.82%
  • Sep 25, 20263.82%first recorded
Duke University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
2200 W Main St Ste L100, Durham, NC 27705 4600
6-12 Month Share Certificate
$500
4.08% ▲ 0.93% above North Carolina avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.15%▲ 0.93% above avgNationally 2.99%
Details

Early withdrawals subject to loss of dividends up to 90 days

Rate History
1 change since Sep 25, 2026 · 3.82% → 4.08% ▲ 0.26 pts · high 4.08% / low 3.82%
3.32%3.95%4.58%Sep 25, 2026: 3.82% APYOct 13, 2026: 4.08% APYSep 25, 2026Oct 13, 2026
  • Oct 13, 20264.08%▲ from 3.82%
  • Sep 25, 20263.82%first recorded
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
11115 S Tryon St, Charlotte, NC 28273
Fixed Rate IRA Certificates - 12 Month Certificate
$500
4.06% ▲ 0.91% above North Carolina avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.15%▲ 0.91% above avgNationally 2.99%
Details

Dividends compounded & credited quarterly; dividend period quarterly

Rate History
No change since Oct 13, 2026 · 4.06% APY
3.56%4.06%4.56%Oct 13, 2026: 4.06% APYOct 13, 2026Oct 13, 2026
Blue Ridge Bank National Association
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
3202 Northline Ave, Greensboro, NC 27408
12 Month Certificate
$0
4.05% ▲ 0.90% above North Carolina avg
View
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average3.15%▲ 0.90% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 7, 2026: 4.05% APYOct 7, 2026Oct 13, 2026
Mechanics & Farmers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
116 W Parrish St, Durham, NC 27701
12-Month CD
$0
4.01% ▲ 0.86% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average3.15%▲ 0.86% above avgNationally 2.99%
Details

Limited-Time CD Special. Offer available Sept. 28, 2026 through Dec. 31, 2026.

Rate History
No change since Oct 8, 2026 · 4.01% APY · checked 2 times
3.51%4.01%4.51%Oct 8, 2026: 4.01% APYOct 8, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
105 Currituck Commerical Dr, Moyock, NC 27958
12 Month ESA EasyStart Certificate
$50
4.00% ▲ 0.85% above North Carolina avg
View
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.15%▲ 0.85% above avgNationally 2.99%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 6, 2026: 4.00% APYOct 6, 2026Oct 13, 2026
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
10115 Kincey Ave, Huntersville, NC 28078
12 month CD
$1,000
4.00% ▲ 0.85% above North Carolina avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average3.15%▲ 0.85% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
323 W Jones St, Raleigh, NC 27603 1369
12 Month IRA Choice Certificate 12
$250
4.00% ▲ 0.85% above North Carolina avg
View
▼
Rate3.92%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.15%▲ 0.85% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.13%
1125 ACADEMY ST N, AHOSKIE, NC 27910
Share Term Certificates (STCs) - 12 months
$250
4.00% ▲ 0.85% above North Carolina avg
View
▼
Rate4.00%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.15%▲ 0.85% above avgNationally 2.99%
Details

Interest rate and APY shown as 4.00% / 4.00% APY

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 13, 2026
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
302 Charlotte St, Hamlet, NC 28345
Regular Certificates - 12 Month Special
$0
4.00% ▲ 0.85% above North Carolina avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.15%▲ 0.85% above avgNationally 2.99%
Details

Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 6, 2026: 4.00% APYOct 6, 2026Oct 13, 2026
CAROLINA
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
1200 E Church St, Cherryville, NC 28021 9211
1 Year CD
$50,000
4.00% ▲ 0.85% above North Carolina avg
View
▼
Rate3.93%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.15%▲ 0.85% above avgNationally 2.99%
Details

Rate History
2 changes since Sep 14, 2026 · 3.45% → 4.00% ▲ 0.55 pts · high 4.00% / low 3.45%
2.90%3.73%4.55%Sep 14, 2026: 3.45% APYSep 18, 2026: 3.50% APYOct 6, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 6, 20264.00%▲ from 3.50%
  • Sep 18, 20263.50%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
2607 Mill St, Winterville, NC 28590
1-Year CD
$0
4.00% ▲ 0.85% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.15%▲ 0.85% above avgNationally 2.99%
Details

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
2607 Mill St, Winterville, NC 28590
1-Year Term
$1,000
4.00% ▲ 0.85% above North Carolina avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.15%▲ 0.85% above avgNationally 2.99%
Details

Rate History
No change since Sep 27, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 27, 2026: 4.00% APYSep 27, 2026Oct 13, 2026
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
5712 Creedmoor Rd, Raleigh, NC 27612
12 Month Share Certificate Accounts
$500
3.92% ▲ 0.77% above North Carolina avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.15%▲ 0.77% above avgNationally 2.99%
Details

Rate History
1 change since Sep 21, 2026 · 3.66% → 3.92% ▲ 0.26 pts · high 3.92% / low 3.66%
3.16%3.79%4.42%Sep 21, 2026: 3.66% APYOct 9, 2026: 3.92% APYSep 21, 2026Oct 13, 2026
  • Oct 9, 20263.92%▲ from 3.66%
  • Sep 21, 20263.66%first recorded
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
5712 Creedmoor Rd, Raleigh, NC 27612
IRA Certificate Accounts - 12 Month
$500
3.92% ▲ 0.77% above North Carolina avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.15%▲ 0.77% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.66% → 3.92% ▲ 0.26 pts · high 3.92% / low 3.66%
3.16%3.79%4.42%Sep 14, 2026: 3.66% APYOct 9, 2026: 3.92% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.92%▲ from 3.66%
  • Sep 14, 20263.66%first recorded
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
2917 Village Dr, Fayetteville, NC 28304 3814
12 Month Share Certificate
$1,000
3.90% ▲ 0.75% above North Carolina avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average3.15%▲ 0.75% above avgNationally 2.99%
Details

Maximum Balance to Earn: $250,000.00; Compounds: Monthly

Rate History
No change since Sep 12, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 12, 2026: 3.90% APYSep 12, 2026Oct 13, 2026
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
1815 Kildaire Farm Rd, Cary, NC 27518
12 Month Standard Personal Share Certificates
$0
3.87% ▲ 0.72% above North Carolina avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average3.15%▲ 0.72% above avgNationally 2.99%
Details

Opening deposit of $10,000.00 and above; Early withdrawal penalties may apply and reduce earnings.

Rate History
1 change since Sep 12, 2026 · 3.76% → 3.87% ▲ 0.11 pts · high 3.87% / low 3.76%
3.26%3.82%4.37%Sep 12, 2026: 3.76% APYOct 12, 2026: 3.87% APYSep 12, 2026Oct 13, 2026
  • Oct 12, 20263.87%▲ from 3.76%
  • Sep 12, 20263.76%first recorded
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
1815 Kildaire Farm Rd, Cary, NC 27518
Standard Personal Share Certificates - 12 Months
$10,000
3.87% ▲ 0.72% above North Carolina avg
View
▼
Rate3.80%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average3.15%▲ 0.72% above avgNationally 2.99%
Details

Opening deposit of $10,000.00 and above; Early withdrawal penalties may apply and reduce earnings.

Rate History
1 change since Sep 12, 2026 · 3.76% → 3.87% ▲ 0.11 pts · high 3.87% / low 3.76%
3.26%3.82%4.37%Sep 12, 2026: 3.76% APYOct 12, 2026: 3.87% APYSep 12, 2026Oct 13, 2026
  • Oct 12, 20263.87%▲ from 3.76%
  • Sep 12, 20263.76%first recorded
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.20%
6308 Falls of Neuse Rd, Raleigh, NC 27615
12 Month Fixed Rate
$0
3.85% ▲ 0.70% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average3.15%▲ 0.70% above avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 3.70% → 3.85% ▲ 0.15 pts · high 3.85% / low 3.70%
3.20%3.78%4.35%Sep 18, 2026: 3.70% APYSep 27, 2026: 3.85% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20263.85%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
2500 NC Highway 86 S, Hillsborough, NC 27278
IRA Share Certificate (12 Month)
$500
3.85% ▲ 0.70% above North Carolina avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.15%▲ 0.70% above avgNationally 2.99%
Details

IRA; applicable to Roth and Traditional IRA share certificate deposits; dividends compounded and posted monthly; early withdrawal subject to penalty

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
Fort Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
4172 Hefner Dr, Fort Bragg, NC 28310
12 Month Jumbo Term Share Certificate
$25,000
3.80% ▲ 0.65% above North Carolina avg
View
▼
Rate3.74%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.15%▲ 0.65% above avgNationally 2.99%
Details

Type: FIXED; Applies to Non-IRA and IRA Term Share Certificates

Rate History
No change since Oct 13, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 13, 2026: 3.80% APYOct 13, 2026Oct 13, 2026
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
11115 S Tryon St, Charlotte, NC 28273
12 Month Certificate
$500
3.80% ▲ 0.65% above North Carolina avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.15%▲ 0.65% above avgNationally 2.99%
Details

Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly

Rate History
2 changes since Sep 14, 2026 · 3.80% → 3.80% ▼ 0.00 pts · high 4.06% / low 3.80%
3.30%3.93%4.56%Sep 14, 2026: 3.80% APYSep 21, 2026: 4.06% APYOct 5, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.80%▼ from 4.06%
  • Sep 21, 20264.06%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
11115 S Tryon St, Charlotte, NC 28273
12 Month SmartStart
$100
3.80% ▲ 0.65% above North Carolina avg
View
▼
Rate3.75%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.15%▲ 0.65% above avgNationally 2.99%
Details

Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly; SmartStart Certificate available to a minor, age 17 and under, with an owner who has reached the age of majority under state law; deposits can be made at any time

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
TCP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
3051 Westinghouse Rd, Rural Hall, NC 27045 9570
Share Term Certificate - 12 Month
$250
3.80% ▲ 0.65% above North Carolina avg
View
▼
Rate3.75%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.15%▲ 0.65% above avgNationally 2.99%
Details

Fixed Rate

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 5 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
1815 Kildaire Farm Rd, Cary, NC 27518
Standard Personal Share Certificates - 12 Months
$0
3.76% ▲ 0.61% above North Carolina avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average3.15%▲ 0.61% above avgNationally 2.99%
Details

Balance: $500 - $9,999.99

Rate History
No change since Sep 12, 2026 · 3.76% APY · checked 7 times
3.26%3.76%4.26%Sep 12, 2026: 3.76% APYSep 12, 2026Oct 13, 2026
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
1815 Kildaire Farm Rd, Cary, NC 27518
Traditional IRA Certificates - 12 Months
$0
3.76% ▲ 0.61% above North Carolina avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average3.15%▲ 0.61% above avgNationally 2.99%
Details

Balance: $500.00 - $9,999.99

Rate History
No change since Sep 12, 2026 · 3.76% APY · checked 2 times
3.26%3.76%4.26%Sep 12, 2026: 3.76% APYSep 12, 2026Oct 13, 2026
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
1475 N New Hope Rd, Gastonia, NC 28054
12-Month Certificate - Premier Member
$500
3.75% ▲ 0.60% above North Carolina avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average3.15%▲ 0.60% above avgNationally 2.99%
Details

Premier Member; minimum balance to open a certificate is $500

Rate History
No change since Oct 8, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 8, 2026: 3.75% APYOct 8, 2026Oct 13, 2026
CAROLINA
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
1200 E Church St, Cherryville, NC 28021 9211
1 Year CD
$1,000
3.75% ▲ 0.60% above North Carolina avg
View
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.15%▲ 0.60% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.45% → 3.75% ▲ 0.30 pts · high 3.75% / low 3.45%
2.95%3.60%4.25%Sep 14, 2026: 3.45% APYOct 6, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 6, 20263.75%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
RTP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
915 N Harrison Ave, Cary, NC 27513 3904
12 Month Business Certificate Accounts
$250
3.72% ▲ 0.57% above North Carolina avg
View
▼
Rate3.65%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.15%▲ 0.57% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.46% → 3.72% ▲ 0.26 pts · high 3.72% / low 3.46%
2.96%3.59%4.22%Sep 14, 2026: 3.46% APYOct 5, 2026: 3.72% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.72%▲ from 3.46%
  • Sep 14, 20263.46%first recorded

North Carolina 18 Month CD Rates

MonitorBankRates North Carolina Average · 18 Month CD3.02% APY▲ 0.02% from last weekNational 2.87%
View 18-month CD rate trend

The average 18-month CD rate in North Carolina is 3.02% APY, compared with 2.87% nationally, as of October 13, 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
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.95%
316 NC Hwy 149 N, Plymouth, NC 27962
18 Month Share Certificate
$500
4.49% ▲ 1.47% above North Carolina avg
View
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.02%▲ 1.47% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.56% → 4.49% ▲ 0.93 pts · high 4.49% / low 3.56%
2.63%4.03%5.42%Sep 14, 2026: 3.56% APYOct 13, 2026: 4.49% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.49%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
3700 South Blvd, Charlotte, NC 28209
18 Month Jumbo CD
$50,000
4.45% ▲ 1.43% above North Carolina avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.02%▲ 1.43% above avgNationally 2.87%
Details

Senior

Rate History
2 changes since Sep 21, 2026 · 3.90% → 4.45% ▲ 0.55 pts · high 4.45% / low 3.90%
3.35%4.18%5.00%Sep 21, 2026: 3.90% APYOct 5, 2026: 4.25% APYOct 13, 2026: 4.45% APYSep 21, 2026Oct 13, 2026
  • Oct 13, 20264.45%▲ from 4.25%
  • Oct 5, 20264.25%▲ from 3.90%
  • Sep 21, 20263.90%first recorded
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
2000 John Deere Run, Cary, NC 27513
18 Month Certificate
$500
4.40% ▲ 1.38% above North Carolina avg
View
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.02%▲ 1.38% above avgNationally 2.87%
Details

HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. 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.

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20%
3.70%4.30%4.90%Sep 14, 2026: 4.20% APYSep 27, 2026: 4.40% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20264.40%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
3700 South Blvd, Charlotte, NC 28209
18 Month Regular CD
$500
4.35% ▲ 1.33% above North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.02%▲ 1.33% above avgNationally 2.87%
Details

Senior

Rate History
2 changes since Sep 21, 2026 · 3.80% → 4.35% ▲ 0.55 pts · high 4.35% / low 3.80%
3.25%4.07%4.90%Sep 21, 2026: 3.80% APYOct 5, 2026: 4.15% APYOct 13, 2026: 4.35% APYSep 21, 2026Oct 13, 2026
  • Oct 13, 20264.35%▲ from 4.15%
  • Oct 5, 20264.15%▲ from 3.80%
  • Sep 21, 20263.80%first recorded
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.13%
1125 ACADEMY ST N, AHOSKIE, NC 27910
Share Term Certificates (STCs) - 18 months
$250
4.30% ▲ 1.28% above North Carolina avg
View
▼
Rate4.30%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.02%▲ 1.28% above avgNationally 2.87%
Details

Interest rate and APY shown as 4.30% / 4.30% APY

Rate History
No change since Oct 13, 2026 · 4.30% APY
3.80%4.30%4.80%Oct 13, 2026: 4.30% APYOct 13, 2026Oct 13, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
3700 South Blvd, Charlotte, NC 28209
18 Month Jumbo CD
$50,000
4.25% ▲ 1.23% above North Carolina avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.02%▲ 1.23% above avgNationally 2.87%
Details

Rate History
1 change since Sep 21, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
3.40%4.08%4.75%Sep 21, 2026: 3.90% APYOct 5, 2026: 4.25% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.25%▲ from 3.90%
  • Sep 21, 20263.90%first recorded
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
121 W Trade St Ste 1150, Charlotte, NC 28202
18-MONTH CD
$500
4.25% ▲ 1.23% above North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.02%▲ 1.23% above avgNationally 2.87%
Details

Rate History
No change since Oct 10, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 10, 2026: 4.25% APYOct 10, 2026Oct 13, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
3700 South Blvd, Charlotte, NC 28209
18 Month IRA Traditional & Roth CD
$500
4.15% ▲ 1.13% above North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.02%▲ 1.13% above avgNationally 2.87%
Details

Rate History
1 change since Sep 21, 2026 · 3.80% → 4.15% ▲ 0.35 pts · high 4.15% / low 3.80%
3.30%3.98%4.65%Sep 21, 2026: 3.80% APYOct 13, 2026: 4.15% APYSep 21, 2026Oct 13, 2026
  • Oct 13, 20264.15%▲ from 3.80%
  • Sep 21, 20263.80%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
3700 South Blvd, Charlotte, NC 28209
18 Month Regular CD
$500
4.15% ▲ 1.13% above North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.02%▲ 1.13% above avgNationally 2.87%
Details

Rate History
1 change since Sep 21, 2026 · 3.80% → 4.15% ▲ 0.35 pts · high 4.15% / low 3.80%
3.30%3.98%4.65%Sep 21, 2026: 3.80% APYOct 5, 2026: 4.15% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.15%▲ from 3.80%
  • Sep 21, 20263.80%first recorded
Live Oak Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.23%
1757 Tiburon Dr, Wilmington, NC 28403
18-Month CD
$0
4.10% ▲ 1.08% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average3.02%▲ 1.08% above avgNationally 2.87%
Details

Rate History
1 change since Sep 18, 2026 · 3.95% → 4.10% ▲ 0.15 pts · high 4.10% / low 3.95%
3.45%4.03%4.60%Sep 18, 2026: 3.95% APYOct 2, 2026: 4.10% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20264.10%▲ from 3.95%
  • Sep 18, 20263.95%first recorded
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
323 W Jones St, Raleigh, NC 27603 1369
18 Month Business Jumbo Choice Certificate 18
$75,000
4.10% ▲ 1.08% above North Carolina avg
View
▼
Rate4.02%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.02%▲ 1.08% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 8 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
323 W Jones St, Raleigh, NC 27603 1369
18 Month Jumbo Choice Certificate 18
$75,000
4.10% ▲ 1.08% above North Carolina avg
View
▼
Rate4.02%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.02%▲ 1.08% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 8 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1000 Saint Albans Dr, Raleigh, NC 27609
18 Month IRA Certificate
$250
4.10% ▲ 1.08% above North Carolina avg
View
▼
Rate4.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.02%▲ 1.08% above avgNationally 2.87%
Details

Rate History
No change since Oct 6, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 6, 2026: 4.10% APYOct 6, 2026Oct 13, 2026
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1000 Saint Albans Dr, Raleigh, NC 27609
18-Month Certificate
$250
4.10% ▲ 1.08% above North Carolina avg
View
▼
Rate4.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.02%▲ 1.08% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 7 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
323 W Jones St, Raleigh, NC 27603 1369
12 - 18 Month Business Choice Certificate 18
$500
4.00% ▲ 0.98% above North Carolina avg
View
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.02%▲ 0.98% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
323 W Jones St, Raleigh, NC 27603 1369
12 - 18 Month Choice Certificate 18
$250
4.00% ▲ 0.98% above North Carolina avg
View
▼
Rate3.92%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.02%▲ 0.98% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
323 W Jones St, Raleigh, NC 27603 1369
18 Month IRA Choice Certificate 18
$250
4.00% ▲ 0.98% above North Carolina avg
View
▼
Rate3.92%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.02%▲ 0.98% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
2500 NC Highway 86 S, Hillsborough, NC 27278
IRA Share Certificate (18 Month)
$500
3.90% ▲ 0.88% above North Carolina avg
View
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.02%▲ 0.88% above avgNationally 2.87%
Details

IRA; applicable to Roth and Traditional IRA share certificate deposits; dividends compounded and posted monthly; early withdrawal subject to penalty

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
1815 Kildaire Farm Rd, Cary, NC 27518
18 Month Standard Personal Share Certificates
$0
3.87% ▲ 0.85% above North Carolina avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average3.02%▲ 0.85% above avgNationally 2.87%
Details

Opening deposit of $10,000.00 and above; Early withdrawal penalties may apply and reduce earnings.

Rate History
1 change since Sep 12, 2026 · 3.66% → 3.87% ▲ 0.21 pts · high 3.87% / low 3.66%
3.16%3.77%4.37%Sep 12, 2026: 3.66% APYOct 12, 2026: 3.87% APYSep 12, 2026Oct 13, 2026
  • Oct 12, 20263.87%▲ from 3.66%
  • Sep 12, 20263.66%first recorded
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
1815 Kildaire Farm Rd, Cary, NC 27518
Standard Personal Share Certificates - 18 Months
$10,000
3.87% ▲ 0.85% above North Carolina avg
View
▼
Rate3.80%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average3.02%▲ 0.85% above avgNationally 2.87%
Details

Opening deposit of $10,000.00 and above; Early withdrawal penalties may apply and reduce earnings.

Rate History
1 change since Sep 12, 2026 · 3.66% → 3.87% ▲ 0.21 pts · high 3.87% / low 3.66%
3.16%3.77%4.37%Sep 12, 2026: 3.66% APYOct 12, 2026: 3.87% APYSep 12, 2026Oct 13, 2026
  • Oct 12, 20263.87%▲ from 3.66%
  • Sep 12, 20263.66%first recorded
TCP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
3051 Westinghouse Rd, Rural Hall, NC 27045 9570
Share Term Certificate - 18 Month
$250
3.85% ▲ 0.83% above North Carolina avg
View
▼
Rate3.80%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.02%▲ 0.83% above avgNationally 2.87%
Details

Fixed Rate

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 5 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
562 Caratoke Hwy, Moyock, NC 27958 8740
IRA Certificate - 18 Months (Reg/Roth/Educ)
$1,000
3.80% ▲ 0.78% above North Carolina avg
View
▼
Rate3.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.02%▲ 0.78% above avgNationally 2.87%
Details

Early withdrawal penalty may apply to all certificates at 15-day x original term of dividends on amount withdrawn.

Rate History
1 change since Sep 18, 2026 · 3.05% → 3.80% ▲ 0.75 pts · high 3.80% / low 3.05%
2.30%3.43%4.55%Sep 18, 2026: 3.05% APYSep 25, 2026: 3.80% APYSep 18, 2026Oct 13, 2026
  • Sep 25, 20263.80%▲ from 3.05%
  • Sep 18, 20263.05%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
67 Pitts Station Rd, Marion, NC 28752 7925
18-month term
$0
3.80% ▲ 0.78% above North Carolina avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.02%▲ 0.78% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.80% / low 3.65%
3.15%3.72%4.30%Sep 14, 2026: 3.65% APYOct 10, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.80%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
67 Pitts Station Rd, Marion, NC 28752 7925
IRA Certificates (CDs) - 18-month term
$0
3.80% ▲ 0.78% above North Carolina avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.02%▲ 0.78% above avgNationally 2.87%
Details

Rate History
No change since Oct 10, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 10, 2026: 3.80% APYOct 10, 2026Oct 13, 2026
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
1815 Kildaire Farm Rd, Cary, NC 27518
18 Month Traditional IRA Certificate
$500
3.76% ▲ 0.74% above North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average3.02%▲ 0.74% above avgNationally 2.87%
Details

Rate History
1 change since Sep 12, 2026 · 3.66% → 3.76% ▲ 0.10 pts · high 3.76% / low 3.66%
3.16%3.71%4.26%Sep 12, 2026: 3.66% APYOct 12, 2026: 3.76% APYSep 12, 2026Oct 13, 2026
  • Oct 12, 20263.76%▲ from 3.66%
  • Sep 12, 20263.66%first recorded
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
1815 Kildaire Farm Rd, Cary, NC 27518
Standard Personal Share Certificates - 18 Months
$0
3.76% ▲ 0.74% above North Carolina avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average3.02%▲ 0.74% above avgNationally 2.87%
Details

Balance: $500 - $9,999.99

Rate History
1 change since Sep 12, 2026 · 3.66% → 3.76% ▲ 0.10 pts · high 3.76% / low 3.66%
3.16%3.71%4.26%Sep 12, 2026: 3.66% APYOct 12, 2026: 3.76% APYSep 12, 2026Oct 13, 2026
  • Oct 12, 20263.76%▲ from 3.66%
  • Sep 12, 20263.66%first recorded
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
1815 Kildaire Farm Rd, Cary, NC 27518
Traditional IRA Certificates - 18 Months
$0
3.76% ▲ 0.74% above North Carolina avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average3.02%▲ 0.74% above avgNationally 2.87%
Details

Balance: $500.00 - $9,999.99

Rate History
1 change since Sep 12, 2026 · 3.66% → 3.76% ▲ 0.10 pts · high 3.76% / low 3.66%
3.16%3.71%4.26%Sep 12, 2026: 3.66% APYOct 12, 2026: 3.76% APYSep 12, 2026Oct 13, 2026
  • Oct 12, 20263.76%▲ from 3.66%
  • Sep 12, 20263.66%first recorded
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
2917 Village Dr, Fayetteville, NC 28304 3814
18 Month Share Certificate
$1,000
3.75% ▲ 0.73% above North Carolina avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average3.02%▲ 0.73% above avgNationally 2.87%
Details

Maximum Balance to Earn: $250,000.00; Compounds: Monthly

Rate History
No change since Sep 12, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 12, 2026: 3.75% APYSep 12, 2026Oct 13, 2026
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
100 W Morgan St, Durham, NC 27701 3315
18 Month Term Certificate
$200,000
3.75% ▲ 0.73% above North Carolina avg
View
▼
Rate3.75%
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.02%▲ 0.73% above avgNationally 2.87%
Details

Rate History
No change since Oct 10, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 10, 2026: 3.75% APYOct 10, 2026Oct 13, 2026
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
302 Charlotte St, Hamlet, NC 28345
Regular Certificates - 18 Month Special
$0
3.75% ▲ 0.73% above North Carolina avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.02%▲ 0.73% above avgNationally 2.87%
Details

Rate History
No change since Oct 6, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 6, 2026: 3.75% APYOct 6, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
105 Currituck Commerical Dr, Moyock, NC 27958
18 Month ESA EasyStart Certificate
$50
3.70% ▲ 0.68% above North Carolina avg
View
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.02%▲ 0.68% above avgNationally 2.87%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 6, 2026: 3.70% APYOct 6, 2026Oct 13, 2026
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
562 Caratoke Hwy, Moyock, NC 27958 8740
Certificate - 18 Months
$1,000
3.70% ▲ 0.68% above North Carolina avg
View
▼
Rate3.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.02%▲ 0.68% above avgNationally 2.87%
Details

Rate History
1 change since Sep 21, 2026 · 3.00% → 3.70% ▲ 0.70 pts · high 3.70% / low 3.00%
2.30%3.35%4.40%Sep 21, 2026: 3.00% APYSep 25, 2026: 3.70% APYSep 21, 2026Oct 13, 2026
  • Sep 25, 20263.70%▲ from 3.00%
  • Sep 21, 20263.00%first recorded
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
100 W Morgan St, Durham, NC 27701 3315
18 Month Term Certificate
$100,000
3.70% ▲ 0.68% above North Carolina avg
View
▼
Rate3.70%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.02%▲ 0.68% above avgNationally 2.87%
Details

Rate History
No change since Oct 10, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 10, 2026: 3.70% APYOct 10, 2026Oct 13, 2026
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
214 Pacific Ave, Durham, NC 27704
18 Month Certificate or IRA
$0
3.55% ▲ 0.53% above North Carolina avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.02%▲ 0.53% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 8 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
2000 Continental Blvd, Charlotte, NC 28273
18 Month Share Certificate
$0
3.55% ▲ 0.53% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.02%▲ 0.53% above avgNationally 2.87%
Details

Effective January 2, 2026; dividends compounded and paid monthly; early withdrawal penalties apply

Rate History
No change since Oct 9, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 9, 2026: 3.55% APYOct 9, 2026Oct 13, 2026
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
2000 Continental Blvd, Charlotte, NC 28273
18 Month Young Certificates
$0
3.55% ▲ 0.53% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.02%▲ 0.53% above avgNationally 2.87%
Details

For Youth (under age 18) and Young Adults (through age 23); Effective January 2, 2026

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 5 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 13, 2026
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
2000 Continental Blvd, Charlotte, NC 28273
IRA Certificates - 18 Months
$0
3.55% ▲ 0.53% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.02%▲ 0.53% above avgNationally 2.87%
Details

IRA Certificates can be used as Traditional or Roth IRAs, or for Coverdell Education Savings. Early withdrawal penalties apply. Dividends compounded and paid monthly. Effective January 2, 2026

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
100 W Morgan St, Durham, NC 27701 3315
18 Month Share Term Certificate
$500
3.55% ▲ 0.53% above North Carolina avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.02%▲ 0.53% above avgNationally 2.87%
Details

Rate History
No change since Oct 10, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 10, 2026: 3.55% APYOct 10, 2026Oct 13, 2026
RTP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
915 N Harrison Ave, Cary, NC 27513 3904
18 Month Business Certificate Accounts
$250
3.51% ▲ 0.49% above North Carolina avg
View
▼
Rate3.45%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.02%▲ 0.49% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 7 times
3.01%3.51%4.01%Sep 14, 2026: 3.51% APYSep 14, 2026Oct 13, 2026
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
1475 N New Hope Rd, Gastonia, NC 28054
Traditional 18-Month IRA Certificate - Premier Member
$500
3.50% ▲ 0.48% above North Carolina avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average3.02%▲ 0.48% above avgNationally 2.87%
Details

Premier Member rate; Traditional & Roth Certificates Rates

Rate History
No change since Oct 12, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 12, 2026: 3.50% APYOct 12, 2026Oct 13, 2026
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
6502 McMahan Dr, Charlotte, NC 28226
18 Month Term Certificate
$500
3.50% ▲ 0.48% above North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.02%▲ 0.48% above avgNationally 2.87%
Details

Early W/D penalty is 90 days interest

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
CS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
6519 Comm Scope Rd, Catawba, NC 28609
18-Month Special Share Certificate
$10,000
3.50% ▲ 0.48% above North Carolina avg
View
▼
Rate3.44%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.02%▲ 0.48% above avgNationally 2.87%
Details

Limited time Special rate; Minimum Initial Deposit of $10,000

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 9 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7521 Pineville Matthews Rd, Charlotte, NC 28226
Regular, IRA & Business Jumbo Certificates - 18 months
$0
3.49% ▲ 0.47% above North Carolina avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.02%▲ 0.47% above avgNationally 2.87%
Details

Rate History
1 change since Sep 18, 2026 · 3.28% → 3.49% ▲ 0.21 pts · high 3.49% / low 3.28%
2.78%3.39%3.99%Sep 18, 2026: 3.28% APYOct 1, 2026: 3.49% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20263.49%▲ from 3.28%
  • Sep 18, 20263.28%first recorded
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
88 Hillsboro St, Pittsboro, NC 27312
18 Month Certificate
$0
3.46% ▲ 0.44% above North Carolina avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average3.02%▲ 0.44% above avgNationally 2.87%
Details

Rate History
No change since Sep 24, 2026 · 3.46% APY · checked 5 times
2.96%3.46%3.96%Sep 24, 2026: 3.46% APYSep 24, 2026Oct 13, 2026
Roxboro Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
313 S Main St, Roxboro, NC 27573
Traditional IRA-18 Months
$0
3.45% ▲ 0.43% above North Carolina avg
View
▼
Rate3.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average3.02%▲ 0.43% above avgNationally 2.87%
Details

Rate History
No change since Oct 8, 2026 · 3.45% APY · checked 2 times
2.95%3.45%3.95%Oct 8, 2026: 3.45% APYOct 8, 2026Oct 13, 2026
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
2098 Frontis Plaza Blvd Ste A, Winston Salem, NC 27103 5779
18 Month Certificate
$2,000
3.45% ▲ 0.43% above North Carolina avg
View
▼
Rate3.40%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.02%▲ 0.43% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.45% ▲ 0.15 pts · high 3.45% / low 3.30%
2.80%3.38%3.95%Sep 14, 2026: 3.30% APYOct 9, 2026: 3.45% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.45%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7521 Pineville Matthews Rd, Charlotte, NC 28226
Regular, IRA & Business Junior Jumbo Certificates - 18 months
$0
3.39% ▲ 0.37% above North Carolina avg
View
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.02%▲ 0.37% above avgNationally 2.87%
Details

Rate History
1 change since Sep 18, 2026 · 3.18% → 3.39% ▲ 0.21 pts · high 3.39% / low 3.18%
2.68%3.29%3.89%Sep 18, 2026: 3.18% APYOct 1, 2026: 3.39% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20263.39%▲ from 3.18%
  • Sep 18, 20263.18%first recorded
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
Building 603 Suite 100, Liberty, NC 27298
18 Month IRA Certificate
$0
3.35% ▲ 0.33% above North Carolina avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
North Carolina Average3.02%▲ 0.33% above avgNationally 2.87%
Details

Rate History
No change since Sep 29, 2026 · 3.35% APY
2.85%3.35%3.85%Sep 29, 2026: 3.35% APYSep 29, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
Building 603 Suite 100, Liberty, NC 27298
18 Month Share Certificates
$0
3.35% ▲ 0.33% above North Carolina avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
North Carolina Average3.02%▲ 0.33% above avgNationally 2.87%
Details

Rate History
No change since Sep 29, 2026 · 3.35% APY
2.85%3.35%3.85%Sep 29, 2026: 3.35% APYSep 29, 2026Oct 13, 2026
Lumbee Guaranty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
403 E 3rd St, Pembroke, NC 28372
18 Month Fixed Rate IRA
$0
3.30% ▲ 0.28% above North Carolina avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Carolina Average3.02%▲ 0.28% above avgNationally 2.87%
Details

Rate History
No change since Sep 11, 2026 · 3.30% APY · checked 4 times
2.80%3.30%3.80%Sep 11, 2026: 3.30% APYSep 11, 2026Oct 13, 2026

North Carolina 24 Month CD Rates

MonitorBankRates North Carolina Average · 24 Month CD3.13% APY▲ 0.03% from last weekNational 2.88%
View 24-month CD rate trend

The average 24-month CD rate in North Carolina is 3.13% APY, compared with 2.88% nationally, as of October 13, 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
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.95%
316 NC Hwy 149 N, Plymouth, NC 27962
24 Month Share Certificate
$500
4.49% ▲ 1.36% above North Carolina avg
View
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.13%▲ 1.36% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.56% → 4.49% ▲ 0.93 pts · high 4.49% / low 3.56%
2.63%4.03%5.42%Sep 14, 2026: 3.56% APYOct 13, 2026: 4.49% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.49%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
3700 South Blvd, Charlotte, NC 28209
24 Month Elite Jumbo CD
$250,000
4.45% ▲ 1.32% above North Carolina avg
View
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.13%▲ 1.32% above avgNationally 2.88%
Details

Rate History
1 change since Sep 21, 2026 · 4.10% → 4.45% ▲ 0.35 pts · high 4.45% / low 4.10%
3.60%4.28%4.95%Sep 21, 2026: 4.10% APYOct 5, 2026: 4.45% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.45%▲ from 4.10%
  • Sep 21, 20264.10%first recorded
Duke University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
2200 W Main St Ste L100, Durham, NC 27705 4600
13-24 Month IRA Certificate
$500
4.34% ▲ 1.21% above North Carolina avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.13%▲ 1.21% above avgNationally 2.88%
Details

Penalty for early withdrawal, unless 59 1/2

Rate History
1 change since Sep 25, 2026 · 4.08% → 4.34% ▲ 0.26 pts · high 4.34% / low 4.08%
3.58%4.21%4.84%Sep 25, 2026: 4.08% APYOct 13, 2026: 4.34% APYSep 25, 2026Oct 13, 2026
  • Oct 13, 20264.34%▲ from 4.08%
  • Sep 25, 20264.08%first recorded
Duke University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
2200 W Main St Ste L100, Durham, NC 27705 4600
13-24 Month Share Certificate
$500
4.34% ▲ 1.21% above North Carolina avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.13%▲ 1.21% above avgNationally 2.88%
Details

Early withdrawals subject to loss of dividends up to 90 days

Rate History
1 change since Sep 25, 2026 · 4.08% → 4.34% ▲ 0.26 pts · high 4.34% / low 4.08%
3.58%4.21%4.84%Sep 25, 2026: 4.08% APYOct 13, 2026: 4.34% APYSep 25, 2026Oct 13, 2026
  • Oct 13, 20264.34%▲ from 4.08%
  • Sep 25, 20264.08%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
3700 South Blvd, Charlotte, NC 28209
24 Month Jumbo CD
$50,000
4.30% ▲ 1.17% above North Carolina avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.13%▲ 1.17% above avgNationally 2.88%
Details

Rate History
1 change since Sep 21, 2026 · 3.95% → 4.30% ▲ 0.35 pts · high 4.30% / low 3.95%
3.45%4.13%4.80%Sep 21, 2026: 3.95% APYOct 5, 2026: 4.30% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.30%▲ from 3.95%
  • Sep 21, 20263.95%first recorded
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.13%
1125 ACADEMY ST N, AHOSKIE, NC 27910
Share Term Certificates (STCs) - 24 months
$250
4.30% ▲ 1.17% above North Carolina avg
View
▼
Rate4.30%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.13%▲ 1.17% above avgNationally 2.88%
Details

Interest rate and APY shown as 4.30% / 4.30% APY

Rate History
No change since Oct 13, 2026 · 4.30% APY
3.80%4.30%4.80%Oct 13, 2026: 4.30% APYOct 13, 2026Oct 13, 2026
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
10115 Kincey Ave, Huntersville, NC 28078
24-month CD
$1,000
4.25% ▲ 1.12% above North Carolina avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average3.13%▲ 1.12% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 7 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
2000 John Deere Run, Cary, NC 27513
24 Month Certificate
$500
4.25% ▲ 1.12% above North Carolina avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.13%▲ 1.12% above avgNationally 2.88%
Details

HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. 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.

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15%
3.65%4.20%4.75%Sep 14, 2026: 4.15% APYSep 27, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20264.25%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
121 W Trade St Ste 1150, Charlotte, NC 28202
24-MONTH CD
$500
4.25% ▲ 1.12% above North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.13%▲ 1.12% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
3.15%3.98%4.80%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.25%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1000 Saint Albans Dr, Raleigh, NC 27609
24 Month IRA Certificate
$250
4.25% ▲ 1.12% above North Carolina avg
View
▼
Rate4.17%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.13%▲ 1.12% above avgNationally 2.88%
Details

Rate History
No change since Oct 6, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 6, 2026: 4.25% APYOct 6, 2026Oct 13, 2026
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1000 Saint Albans Dr, Raleigh, NC 27609
24-Month Certificate
$250
4.25% ▲ 1.12% above North Carolina avg
View
▼
Rate4.17%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.13%▲ 1.12% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 7 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
323 W Jones St, Raleigh, NC 27603 1369
24 Month Business Jumbo Choice Certificate 24
$75,000
4.20% ▲ 1.07% above North Carolina avg
View
▼
Rate4.12%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.13%▲ 1.07% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 8 times
3.70%4.20%4.70%Sep 14, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
323 W Jones St, Raleigh, NC 27603 1369
24 Month Jumbo Choice Certificate 24
$75,000
4.20% ▲ 1.07% above North Carolina avg
View
▼
Rate4.12%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.13%▲ 1.07% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 8 times
3.70%4.20%4.70%Sep 14, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
3700 South Blvd, Charlotte, NC 28209
2 Year IRA Traditional & Roth CD
$500
4.20% ▲ 1.07% above North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.13%▲ 1.07% above avgNationally 2.88%
Details

Rate History
1 change since Sep 21, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
3.35%4.03%4.70%Sep 21, 2026: 3.85% APYOct 13, 2026: 4.20% APYSep 21, 2026Oct 13, 2026
  • Oct 13, 20264.20%▲ from 3.85%
  • Sep 21, 20263.85%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
3700 South Blvd, Charlotte, NC 28209
24 Month Regular CD
$500
4.20% ▲ 1.07% above North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.13%▲ 1.07% above avgNationally 2.88%
Details

Rate History
1 change since Sep 21, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
3.35%4.03%4.70%Sep 21, 2026: 3.85% APYOct 5, 2026: 4.20% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.20%▲ from 3.85%
  • Sep 21, 20263.85%first recorded
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
9377 N US Highway 301, Whitakers, NC 27891 8621
24 Month Share Certificate
$100,000
4.15% ▲ 1.02% above North Carolina avg
View
▼
Rate4.07%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.13%▲ 1.02% above avgNationally 2.88%
Details

Minimum Deposit: $500; Dividend: 3.93%; APY: 4.00%

Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Sep 18, 2026: 4.15% APYSep 18, 2026Oct 13, 2026
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
9377 N US Highway 301, Whitakers, NC 27891 8621
Business 24 Month Share Certificate
$100,000
4.15% ▲ 1.02% above North Carolina avg
View
▼
Rate4.07%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.13%▲ 1.02% above avgNationally 2.88%
Details

Balance: $500 - $100,000

Rate History
1 change since Sep 22, 2026 · 1.90% → 4.15% ▲ 2.25 pts · high 4.15% / low 1.90%
0.00%3.20%6.40%Sep 22, 2026: 1.90% APYOct 10, 2026: 4.15% APYSep 22, 2026Oct 13, 2026
  • Oct 10, 20264.15%▲ from 1.90%
  • Sep 22, 20261.90%first recorded
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
11115 S Tryon St, Charlotte, NC 28273
Fixed Rate IRA Certificates - 24 Month Certificate
$500
4.11% ▲ 0.98% above North Carolina avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.13%▲ 0.98% above avgNationally 2.88%
Details

Dividends compounded & credited quarterly; dividend period quarterly

Rate History
No change since Oct 13, 2026 · 4.11% APY
3.61%4.11%4.61%Oct 13, 2026: 4.11% APYOct 13, 2026Oct 13, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
323 W Jones St, Raleigh, NC 27603 1369
19 - 24 Month Business Choice Certificate 24
$500
4.10% ▲ 0.97% above North Carolina avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.13%▲ 0.97% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 8 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
323 W Jones St, Raleigh, NC 27603 1369
19 - 24 Month Choice Certificate 24
$250
4.10% ▲ 0.97% above North Carolina avg
View
▼
Rate4.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.13%▲ 0.97% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 8 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
323 W Jones St, Raleigh, NC 27603 1369
24 Month IRA Choice Certificate 24
$250
4.10% ▲ 0.97% above North Carolina avg
View
▼
Rate4.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.13%▲ 0.97% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 8 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
5712 Creedmoor Rd, Raleigh, NC 27612
24 Month Share Certificate Accounts
$500
4.07% ▲ 0.94% above North Carolina avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.13%▲ 0.94% above avgNationally 2.88%
Details

Rate History
No change since Sep 21, 2026 · 4.07% APY · checked 4 times
3.57%4.07%4.57%Sep 21, 2026: 4.07% APYSep 21, 2026Oct 13, 2026
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
5712 Creedmoor Rd, Raleigh, NC 27612
IRA Certificate Accounts - 24 Month
$500
4.07% ▲ 0.94% above North Carolina avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.13%▲ 0.94% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 3 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 13, 2026
Lions Share Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 17.46%
850 Harrison Rd, Salisbury, NC 28147 9021
24-Month IRA CD
$500
4.00% ▲ 0.87% above North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.13%▲ 0.87% above avgNationally 2.88%
Details

IRA Share Certificate (Traditional & Roth); $500 minimum

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
9377 N US Highway 301, Whitakers, NC 27891 8621
24 Month Share Certificate
$500
4.00% ▲ 0.87% above North Carolina avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.13%▲ 0.87% above avgNationally 2.88%
Details

Minimum Deposit: $100,000; Dividend: 4.07%; APY: 4.15%

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
9377 N US Highway 301, Whitakers, NC 27891 8621
Business 24 Month Share Certificate
$500
4.00% ▲ 0.87% above North Carolina avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.13%▲ 0.87% above avgNationally 2.88%
Details

Balance: $500 - $100,000

Rate History
1 change since Sep 22, 2026 · 1.85% → 4.00% ▲ 2.15 pts · high 4.00% / low 1.85%
0.00%3.08%6.15%Sep 22, 2026: 1.85% APYOct 10, 2026: 4.00% APYSep 22, 2026Oct 13, 2026
  • Oct 10, 20264.00%▲ from 1.85%
  • Sep 22, 20261.85%first recorded
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.20%
6308 Falls of Neuse Rd, Raleigh, NC 27615
24 Month Fixed Rate
$0
3.90% ▲ 0.77% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average3.13%▲ 0.77% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.75% → 3.90% ▲ 0.15 pts · high 3.90% / low 3.75%
3.25%3.83%4.40%Sep 18, 2026: 3.75% APYSep 27, 2026: 3.90% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20263.90%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
2500 NC Highway 86 S, Hillsborough, NC 27278
IRA Share Certificate (24 Month)
$500
3.90% ▲ 0.77% above North Carolina avg
View
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.13%▲ 0.77% above avgNationally 2.88%
Details

IRA; applicable to Roth and Traditional IRA share certificate deposits; dividends compounded and posted monthly; early withdrawal subject to penalty

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
TCP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
3051 Westinghouse Rd, Rural Hall, NC 27045 9570
Share Term Certificate - 24 Month
$250
3.90% ▲ 0.77% above North Carolina avg
View
▼
Rate3.85%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.13%▲ 0.77% above avgNationally 2.88%
Details

Fixed Rate

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 5 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7521 Pineville Matthews Rd, Charlotte, NC 28226
Regular, IRA & Business Jumbo Certificates - 2 years
$0
3.89% ▲ 0.76% above North Carolina avg
View
▼
Rate3.82%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.13%▲ 0.76% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.60% → 3.89% ▲ 0.29 pts · high 3.89% / low 3.60%
3.10%3.75%4.39%Sep 18, 2026: 3.60% APYOct 1, 2026: 3.89% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20263.89%▲ from 3.60%
  • Sep 18, 20263.60%first recorded
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
1815 Kildaire Farm Rd, Cary, NC 27518
24 Month Standard Personal Share Certificates
$0
3.87% ▲ 0.74% above North Carolina avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average3.13%▲ 0.74% above avgNationally 2.88%
Details

Opening deposit of $10,000.00 and above; Early withdrawal penalties may apply and reduce earnings.

Rate History
1 change since Sep 12, 2026 · 3.66% → 3.87% ▲ 0.21 pts · high 3.87% / low 3.66%
3.16%3.77%4.37%Sep 12, 2026: 3.66% APYOct 12, 2026: 3.87% APYSep 12, 2026Oct 13, 2026
  • Oct 12, 20263.87%▲ from 3.66%
  • Sep 12, 20263.66%first recorded
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
1815 Kildaire Farm Rd, Cary, NC 27518
Standard Personal Share Certificates - 24 Months
$10,000
3.87% ▲ 0.74% above North Carolina avg
View
▼
Rate3.80%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average3.13%▲ 0.74% above avgNationally 2.88%
Details

Opening deposit of $10,000.00 and above; Early withdrawal penalties may apply and reduce earnings.

Rate History
1 change since Sep 12, 2026 · 3.66% → 3.87% ▲ 0.21 pts · high 3.87% / low 3.66%
3.16%3.77%4.37%Sep 12, 2026: 3.66% APYOct 12, 2026: 3.87% APYSep 12, 2026Oct 13, 2026
  • Oct 12, 20263.87%▲ from 3.66%
  • Sep 12, 20263.66%first recorded
Fort Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
4172 Hefner Dr, Fort Bragg, NC 28310
24 Month Jumbo Term Share Certificate
$25,000
3.85% ▲ 0.72% above North Carolina avg
View
▼
Rate3.78%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.13%▲ 0.72% above avgNationally 2.88%
Details

Type: FIXED; Applies to Non-IRA and IRA Term Share Certificates

Rate History
No change since Oct 13, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 13, 2026: 3.85% APYOct 13, 2026Oct 13, 2026
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
11115 S Tryon St, Charlotte, NC 28273
24 Month Certificate
$500
3.85% ▲ 0.72% above North Carolina avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.13%▲ 0.72% above avgNationally 2.88%
Details

Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly

Rate History
1 change since Sep 14, 2026 · 4.11% → 3.85% ▼ 0.26 pts · high 4.11% / low 3.85%
3.35%3.98%4.61%Sep 14, 2026: 4.11% APYOct 5, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.85%▼ from 4.11%
  • Sep 14, 20264.11%first recorded
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
100 W Morgan St, Durham, NC 27701 3315
24 Month Term Certificate
$200,000
3.85% ▲ 0.72% above North Carolina avg
View
▼
Rate3.85%
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.13%▲ 0.72% above avgNationally 2.88%
Details

Rate History
No change since Oct 10, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 10, 2026: 3.85% APYOct 10, 2026Oct 13, 2026
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2989 Tucker St, Burlington, NC 27215
2 Year IRA Certificate - Roth Executive
$100,000
3.80% ▲ 0.67% above North Carolina avg
View
▼
Rate3.73%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.13%▲ 0.67% above avgNationally 2.88%
Details

Rate History
No change since Oct 9, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 9, 2026: 3.80% APYOct 9, 2026Oct 13, 2026
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2989 Tucker St, Burlington, NC 27215
2 Year IRA Certificate - Traditional Executive
$100,000
3.80% ▲ 0.67% above North Carolina avg
View
▼
Rate3.73%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.13%▲ 0.67% above avgNationally 2.88%
Details

Rate History
No change since Oct 9, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 9, 2026: 3.80% APYOct 9, 2026Oct 13, 2026
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
100 W Morgan St, Durham, NC 27701 3315
24 Month Term Certificate
$100,000
3.80% ▲ 0.67% above North Carolina avg
View
▼
Rate3.80%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.13%▲ 0.67% above avgNationally 2.88%
Details

Rate History
No change since Oct 10, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 10, 2026: 3.80% APYOct 10, 2026Oct 13, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7521 Pineville Matthews Rd, Charlotte, NC 28226
Regular, IRA & Business Junior Jumbo Certificates - 2 years
$0
3.78% ▲ 0.65% above North Carolina avg
View
▼
Rate3.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.13%▲ 0.65% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.49% → 3.78% ▲ 0.29 pts · high 3.78% / low 3.49%
2.99%3.64%4.28%Sep 18, 2026: 3.49% APYOct 1, 2026: 3.78% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20263.78%▲ from 3.49%
  • Sep 18, 20263.49%first recorded
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
1815 Kildaire Farm Rd, Cary, NC 27518
Standard Personal Share Certificates - 24 Months
$0
3.76% ▲ 0.63% above North Carolina avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average3.13%▲ 0.63% above avgNationally 2.88%
Details

Balance: $500 - $9,999.99

Rate History
1 change since Sep 12, 2026 · 3.66% → 3.76% ▲ 0.10 pts · high 3.76% / low 3.66%
3.16%3.71%4.26%Sep 12, 2026: 3.66% APYOct 12, 2026: 3.76% APYSep 12, 2026Oct 13, 2026
  • Oct 12, 20263.76%▲ from 3.66%
  • Sep 12, 20263.66%first recorded
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
1815 Kildaire Farm Rd, Cary, NC 27518
Traditional IRA Certificates - 24 Months
$0
3.76% ▲ 0.63% above North Carolina avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average3.13%▲ 0.63% above avgNationally 2.88%
Details

Balance: $500.00 - $9,999.99

Rate History
1 change since Sep 12, 2026 · 3.66% → 3.76% ▲ 0.10 pts · high 3.76% / low 3.66%
3.16%3.71%4.26%Sep 12, 2026: 3.66% APYOct 12, 2026: 3.76% APYSep 12, 2026Oct 13, 2026
  • Oct 12, 20263.76%▲ from 3.66%
  • Sep 12, 20263.66%first recorded
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
2917 Village Dr, Fayetteville, NC 28304 3814
24 Month Share Certificate
$1,000
3.75% ▲ 0.62% above North Carolina avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average3.13%▲ 0.62% above avgNationally 2.88%
Details

Maximum Balance to Earn: $250,000.00; Compounds: Monthly

Rate History
No change since Sep 12, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 12, 2026: 3.75% APYSep 12, 2026Oct 13, 2026
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
562 Caratoke Hwy, Moyock, NC 27958 8740
IRA Certificate - 24 Months (Reg/Roth/Educ)
$100,000
3.75% ▲ 0.62% above North Carolina avg
View
▼
Rate3.69%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.13%▲ 0.62% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 2.85% → 3.75% ▲ 0.90 pts · high 3.75% / low 2.85%
1.95%3.30%4.65%Sep 18, 2026: 2.85% APYSep 25, 2026: 3.75% APYSep 18, 2026Oct 13, 2026
  • Sep 25, 20263.75%▲ from 2.85%
  • Sep 18, 20262.85%first recorded
Fort Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
4172 Hefner Dr, Fort Bragg, NC 28310
24 Month Term Share Certificate - Regular Term
$500
3.75% ▲ 0.62% above North Carolina avg
View
▼
Rate3.68%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.13%▲ 0.62% above avgNationally 2.88%
Details

Type: FIXED; Non-IRA and IRA; Effective Date: 10/01/2026

Rate History
No change since Oct 13, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 13, 2026: 3.75% APYOct 13, 2026Oct 13, 2026
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
562 Caratoke Hwy, Moyock, NC 27958 8740
Certificate - 24 Months
$100,000
3.70% ▲ 0.57% above North Carolina avg
View
▼
Rate3.64%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.13%▲ 0.57% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 2.80% → 3.70% ▲ 0.90 pts · high 3.70% / low 2.80%
1.90%3.25%4.60%Sep 18, 2026: 2.80% APYSep 25, 2026: 3.70% APYSep 18, 2026Oct 13, 2026
  • Sep 25, 20263.70%▲ from 2.80%
  • Sep 18, 20262.80%first recorded
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
562 Caratoke Hwy, Moyock, NC 27958 8740
IRA Certificate - 24 Months (Reg/Roth/Educ)
$1,000
3.70% ▲ 0.57% above North Carolina avg
View
▼
Rate3.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.13%▲ 0.57% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 2.80% → 3.70% ▲ 0.90 pts · high 3.70% / low 2.80%
1.90%3.25%4.60%Sep 18, 2026: 2.80% APYSep 25, 2026: 3.70% APYSep 18, 2026Oct 13, 2026
  • Sep 25, 20263.70%▲ from 2.80%
  • Sep 18, 20262.80%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2989 Tucker St, Burlington, NC 27215
2 Year IRA Certificate - Roth Premier
$10,000
3.70% ▲ 0.57% above North Carolina avg
View
▼
Rate3.63%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.13%▲ 0.57% above avgNationally 2.88%
Details

Rate History
No change since Oct 9, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 9, 2026: 3.70% APYOct 9, 2026Oct 13, 2026
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2989 Tucker St, Burlington, NC 27215
2 Year IRA Certificate - Traditional Premier
$10,000
3.70% ▲ 0.57% above North Carolina avg
View
▼
Rate3.63%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.13%▲ 0.57% above avgNationally 2.88%
Details

Rate History
No change since Oct 9, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 9, 2026: 3.70% APYOct 9, 2026Oct 13, 2026
Welcome Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
10810 Chapel Hill Rd, Morrisville, NC 27560
IRA Share Certificates - 24 Months
$500
3.70% ▲ 0.57% above North Carolina avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.13%▲ 0.57% above avgNationally 2.88%
Details

Dividends credited and compounded quarterly.

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7521 Pineville Matthews Rd, Charlotte, NC 28226
Regular, IRA & Business Certificates - 2 years
$0
3.68% ▲ 0.55% above North Carolina avg
View
▼
Rate3.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.13%▲ 0.55% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.39% → 3.68% ▲ 0.29 pts · high 3.68% / low 3.39%
2.89%3.54%4.18%Sep 18, 2026: 3.39% APYOct 1, 2026: 3.68% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20263.68%▲ from 3.39%
  • Sep 18, 20263.39%first recorded

North Carolina 36 Month CD Rates

MonitorBankRates North Carolina Average · 36 Month CD2.92% APY▼ 0.01% from last weekNational 2.81%
View 36-month CD rate trend

The average 36-month CD rate in North Carolina is 2.92% APY, compared with 2.81% nationally, as of October 13, 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
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
3700 South Blvd, Charlotte, NC 28209
36 Month Elite Jumbo CD
$250,000
4.50% ▲ 1.58% above North Carolina avg
View
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.92%▲ 1.58% above avgNationally 2.81%
Details

Rate History
1 change since Sep 21, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15%
3.65%4.33%5.00%Sep 21, 2026: 4.15% APYOct 5, 2026: 4.50% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.50%▲ from 4.15%
  • Sep 21, 20264.15%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
3700 South Blvd, Charlotte, NC 28209
36 Month Jumbo CD
$50,000
4.35% ▲ 1.43% above North Carolina avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.92%▲ 1.43% above avgNationally 2.81%
Details

Rate History
1 change since Sep 21, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
3.50%4.18%4.85%Sep 21, 2026: 4.00% APYOct 5, 2026: 4.35% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.35%▲ from 4.00%
  • Sep 21, 20264.00%first recorded
Duke University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
2200 W Main St Ste L100, Durham, NC 27705 4600
25-36 Month IRA Certificate
$500
4.34% ▲ 1.42% above North Carolina avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.92%▲ 1.42% above avgNationally 2.81%
Details

Penalty for early withdrawal, unless 59 1/2

Rate History
1 change since Sep 25, 2026 · 4.08% → 4.34% ▲ 0.26 pts · high 4.34% / low 4.08%
3.58%4.21%4.84%Sep 25, 2026: 4.08% APYOct 13, 2026: 4.34% APYSep 25, 2026Oct 13, 2026
  • Oct 13, 20264.34%▲ from 4.08%
  • Sep 25, 20264.08%first recorded
Duke University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
2200 W Main St Ste L100, Durham, NC 27705 4600
25-36 Month Share Certificate
$500
4.34% ▲ 1.42% above North Carolina avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.92%▲ 1.42% above avgNationally 2.81%
Details

Early withdrawals subject to loss of dividends up to 90 days

Rate History
1 change since Sep 25, 2026 · 4.08% → 4.34% ▲ 0.26 pts · high 4.34% / low 4.08%
3.58%4.21%4.84%Sep 25, 2026: 4.08% APYOct 13, 2026: 4.34% APYSep 25, 2026Oct 13, 2026
  • Oct 13, 20264.34%▲ from 4.08%
  • Sep 25, 20264.08%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
3700 South Blvd, Charlotte, NC 28209
3 Year IRA Traditional & Roth CD
$500
4.25% ▲ 1.33% above North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.92%▲ 1.33% above avgNationally 2.81%
Details

Rate History
1 change since Sep 21, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
3.40%4.08%4.75%Sep 21, 2026: 3.90% APYOct 13, 2026: 4.25% APYSep 21, 2026Oct 13, 2026
  • Oct 13, 20264.25%▲ from 3.90%
  • Sep 21, 20263.90%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
3700 South Blvd, Charlotte, NC 28209
36 Month Regular CD
$500
4.25% ▲ 1.33% above North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.92%▲ 1.33% above avgNationally 2.81%
Details

Rate History
1 change since Sep 21, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
3.40%4.08%4.75%Sep 21, 2026: 3.90% APYOct 5, 2026: 4.25% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.25%▲ from 3.90%
  • Sep 21, 20263.90%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7521 Pineville Matthews Rd, Charlotte, NC 28226
Regular, IRA & Business Jumbo Certificates - 3 years
$0
4.24% ▲ 1.32% above North Carolina avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.92%▲ 1.32% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.91% → 4.24% ▲ 0.33 pts · high 4.24% / low 3.91%
3.41%4.08%4.74%Sep 18, 2026: 3.91% APYOct 1, 2026: 4.24% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20264.24%▲ from 3.91%
  • Sep 18, 20263.91%first recorded
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
11115 S Tryon St, Charlotte, NC 28273
Fixed Rate IRA Certificates - 36 Month Certificate
$500
4.16% ▲ 1.24% above North Carolina avg
View
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.92%▲ 1.24% above avgNationally 2.81%
Details

Dividends compounded & credited quarterly; dividend period quarterly

Rate History
No change since Oct 13, 2026 · 4.16% APY
3.66%4.16%4.66%Oct 13, 2026: 4.16% APYOct 13, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
105 Currituck Commerical Dr, Moyock, NC 27958
3 Year ESA Long-Term Certificate
$100,000
4.15% ▲ 1.23% above North Carolina avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.92%▲ 1.23% above avgNationally 2.81%
Details

Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Sep 30, 2026: 4.15% APYSep 30, 2026Oct 13, 2026
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
1 Floretta Pl, Raleigh, NC 27676 9803
3 Years Add-On Certificate
$0
4.15% ▲ 1.23% above North Carolina avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.92%▲ 1.23% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 7 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7521 Pineville Matthews Rd, Charlotte, NC 28226
Regular, IRA & Business Junior Jumbo Certificates - 3 years
$0
4.14% ▲ 1.22% above North Carolina avg
View
▼
Rate4.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.92%▲ 1.22% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.80% → 4.14% ▲ 0.34 pts · high 4.14% / low 3.80%
3.30%3.97%4.64%Sep 18, 2026: 3.80% APYOct 1, 2026: 4.14% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20264.14%▲ from 3.80%
  • Sep 18, 20263.80%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
105 Currituck Commerical Dr, Moyock, NC 27958
3 Year ESA Long-Term Certificate
$1,000
4.10% ▲ 1.18% above North Carolina avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.92%▲ 1.18% above avgNationally 2.81%
Details

Balance: $1,000 - $19,999.99; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 30, 2026: 4.10% APYSep 30, 2026Oct 13, 2026
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.95%
316 NC Hwy 149 N, Plymouth, NC 27962
36 Month Share Certificate
$500
4.07% ▲ 1.15% above North Carolina avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.92%▲ 1.15% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.56% → 4.07% ▲ 0.51 pts · high 4.07% / low 3.56%
3.05%3.82%4.58%Sep 14, 2026: 3.56% APYOct 13, 2026: 4.07% APYSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.07%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7521 Pineville Matthews Rd, Charlotte, NC 28226
Regular, IRA & Business Certificates - 3 years
$0
4.03% ▲ 1.11% above North Carolina avg
View
▼
Rate3.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.92%▲ 1.11% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.70% → 4.03% ▲ 0.33 pts · high 4.03% / low 3.70%
3.20%3.87%4.53%Sep 18, 2026: 3.70% APYOct 1, 2026: 4.03% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20264.03%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.13%
1125 ACADEMY ST N, AHOSKIE, NC 27910
Share Term Certificates (STCs) - 36 months
$250
4.00% ▲ 1.08% above North Carolina avg
View
▼
Rate4.00%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.92%▲ 1.08% above avgNationally 2.81%
Details

Interest rate and APY shown as 4.00% / 4.00% APY

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 13, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
2000 John Deere Run, Cary, NC 27513
36 Month Certificate
$500
4.00% ▲ 1.08% above North Carolina avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.92%▲ 1.08% above avgNationally 2.81%
Details

HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. 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.

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYOct 1, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 1, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1000 Saint Albans Dr, Raleigh, NC 27609
36 Month IRA Certificate
$250
4.00% ▲ 1.08% above North Carolina avg
View
▼
Rate3.93%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.92%▲ 1.08% above avgNationally 2.81%
Details

Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 6, 2026: 4.00% APYOct 6, 2026Oct 13, 2026
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1000 Saint Albans Dr, Raleigh, NC 27609
36-Month Certificate
$250
4.00% ▲ 1.08% above North Carolina avg
View
▼
Rate3.93%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.92%▲ 1.08% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
3.30%3.90%4.50%Sep 14, 2026: 3.80% APYOct 1, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 1, 20264.00%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
323 W Jones St, Raleigh, NC 27603 1369
36 Month Business Jumbo Choice Certificate 36
$75,000
3.95% ▲ 1.03% above North Carolina avg
View
▼
Rate3.88%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.92%▲ 1.03% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 8 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
323 W Jones St, Raleigh, NC 27603 1369
36 Month Jumbo Choice Certificate 36
$75,000
3.95% ▲ 1.03% above North Carolina avg
View
▼
Rate3.88%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.92%▲ 1.03% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 8 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
11115 S Tryon St, Charlotte, NC 28273
36 Month Certificate
$500
3.91% ▲ 0.99% above North Carolina avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.92%▲ 0.99% above avgNationally 2.81%
Details

Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly

Rate History
1 change since Sep 14, 2026 · 4.16% → 3.91% ▼ 0.25 pts · high 4.16% / low 3.91%
3.41%4.04%4.66%Sep 14, 2026: 4.16% APYOct 5, 2026: 3.91% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.91%▼ from 4.16%
  • Sep 14, 20264.16%first recorded
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
100 W Morgan St, Durham, NC 27701 3315
36 Month Term Certificate
$200,000
3.90% ▲ 0.98% above North Carolina avg
View
▼
Rate3.90%
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.92%▲ 0.98% above avgNationally 2.81%
Details

Rate History
No change since Oct 10, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 10, 2026: 3.90% APYOct 10, 2026Oct 13, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
323 W Jones St, Raleigh, NC 27603 1369
25 - 36 Month Business Choice Certificate 36
$500
3.85% ▲ 0.93% above North Carolina avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.92%▲ 0.93% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 8 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
323 W Jones St, Raleigh, NC 27603 1369
25 - 36 Month Choice Certificate 36
$250
3.85% ▲ 0.93% above North Carolina avg
View
▼
Rate3.78%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.92%▲ 0.93% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 8 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
323 W Jones St, Raleigh, NC 27603 1369
36 Month IRA Choice Certificate 36
$250
3.85% ▲ 0.93% above North Carolina avg
View
▼
Rate3.78%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.92%▲ 0.93% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 8 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
100 W Morgan St, Durham, NC 27701 3315
36 Month Term Certificate
$100,000
3.85% ▲ 0.93% above North Carolina avg
View
▼
Rate3.85%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.92%▲ 0.93% above avgNationally 2.81%
Details

Rate History
No change since Oct 10, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 10, 2026: 3.85% APYOct 10, 2026Oct 13, 2026
Lumbee Guaranty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
403 E 3rd St, Pembroke, NC 28372
36 Month Fixed Rate IRA
$0
3.82% ▲ 0.90% above North Carolina avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Carolina Average2.92%▲ 0.90% above avgNationally 2.81%
Details

Rate History
No change since Sep 11, 2026 · 3.82% APY · checked 4 times
3.32%3.82%4.32%Sep 11, 2026: 3.82% APYSep 11, 2026Oct 13, 2026
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
5712 Creedmoor Rd, Raleigh, NC 27612
36 Month Share Certificate Accounts
$500
3.82% ▲ 0.90% above North Carolina avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.92%▲ 0.90% above avgNationally 2.81%
Details

Rate History
No change since Sep 21, 2026 · 3.82% APY · checked 4 times
3.32%3.82%4.32%Sep 21, 2026: 3.82% APYSep 21, 2026Oct 13, 2026
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
5712 Creedmoor Rd, Raleigh, NC 27612
IRA Certificate Accounts - 36 Month
$500
3.82% ▲ 0.90% above North Carolina avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.92%▲ 0.90% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 3 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 13, 2026
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
562 Caratoke Hwy, Moyock, NC 27958 8740
IRA Certificate - 36 Months (Reg/Roth/Educ)
$100,000
3.80% ▲ 0.88% above North Carolina avg
View
▼
Rate3.73%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.92%▲ 0.88% above avgNationally 2.81%
Details

Early withdrawal penalty may apply to all certificates at 15-day x original term of dividends on amount withdrawn

Rate History
1 change since Sep 18, 2026 · 3.10% → 3.80% ▲ 0.70 pts · high 3.80% / low 3.10%
2.40%3.45%4.50%Sep 18, 2026: 3.10% APYSep 25, 2026: 3.80% APYSep 18, 2026Oct 13, 2026
  • Sep 25, 20263.80%▲ from 3.10%
  • Sep 18, 20263.10%first recorded
Welcome Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
10810 Chapel Hill Rd, Morrisville, NC 27560
IRA Share Certificates - 36 Months
$500
3.80% ▲ 0.88% above North Carolina avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.92%▲ 0.88% above avgNationally 2.81%
Details

Dividends credited and compounded quarterly.

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
2500 NC Highway 86 S, Hillsborough, NC 27278
IRA Share Certificate (36 Month)
$500
3.80% ▲ 0.88% above North Carolina avg
View
▼
Rate3.73%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.92%▲ 0.88% above avgNationally 2.81%
Details

IRA; applicable to Roth and Traditional IRA share certificate deposits; dividends compounded and posted monthly; early withdrawal subject to penalty

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
2917 Village Dr, Fayetteville, NC 28304 3814
36 Month Share Certificate
$1,000
3.75% ▲ 0.83% above North Carolina avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average2.92%▲ 0.83% above avgNationally 2.81%
Details

Maximum Balance to Earn: $250,000.00; Compounds: Monthly

Rate History
No change since Sep 12, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 12, 2026: 3.75% APYSep 12, 2026Oct 13, 2026
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
562 Caratoke Hwy, Moyock, NC 27958 8740
Certificate - 36 Months
$100,000
3.75% ▲ 0.83% above North Carolina avg
View
▼
Rate3.69%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.92%▲ 0.83% above avgNationally 2.81%
Details

Rate History
1 change since Sep 21, 2026 · 3.05% → 3.75% ▲ 0.70 pts · high 3.75% / low 3.05%
2.35%3.40%4.45%Sep 21, 2026: 3.05% APYSep 25, 2026: 3.75% APYSep 21, 2026Oct 13, 2026
  • Sep 25, 20263.75%▲ from 3.05%
  • Sep 21, 20263.05%first recorded
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
562 Caratoke Hwy, Moyock, NC 27958 8740
IRA Certificate - 36 Months (Reg/Roth/Educ)
$1,000
3.75% ▲ 0.83% above North Carolina avg
View
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.92%▲ 0.83% above avgNationally 2.81%
Details

Early withdrawal penalty may apply to all certificates at 15-day x original term of dividends on amount withdrawn

Rate History
1 change since Sep 18, 2026 · 3.10% → 3.75% ▲ 0.65 pts · high 3.75% / low 3.10%
2.45%3.43%4.40%Sep 18, 2026: 3.10% APYSep 25, 2026: 3.75% APYSep 18, 2026Oct 13, 2026
  • Sep 25, 20263.75%▲ from 3.10%
  • Sep 18, 20263.10%first recorded
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
562 Caratoke Hwy, Moyock, NC 27958 8740
Certificate - 36 Months
$1,000
3.70% ▲ 0.78% above North Carolina avg
View
▼
Rate3.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.92%▲ 0.78% above avgNationally 2.81%
Details

Rate History
1 change since Sep 21, 2026 · 3.00% → 3.70% ▲ 0.70 pts · high 3.70% / low 3.00%
2.30%3.35%4.40%Sep 21, 2026: 3.00% APYSep 25, 2026: 3.70% APYSep 21, 2026Oct 13, 2026
  • Sep 25, 20263.70%▲ from 3.00%
  • Sep 21, 20263.00%first recorded
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
100 W Morgan St, Durham, NC 27701 3315
36 Month Share Term Certificate
$500
3.70% ▲ 0.78% above North Carolina avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.92%▲ 0.78% above avgNationally 2.81%
Details

Rate History
No change since Oct 10, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 10, 2026: 3.70% APYOct 10, 2026Oct 13, 2026
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
2098 Frontis Plaza Blvd Ste A, Winston Salem, NC 27103 5779
36 Month Certificate
$2,000
3.66% ▲ 0.74% above North Carolina avg
View
▼
Rate3.60%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.92%▲ 0.74% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.51% → 3.66% ▲ 0.15 pts · high 3.66% / low 3.51%
3.01%3.59%4.16%Sep 14, 2026: 3.51% APYOct 9, 2026: 3.66% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.66%▲ from 3.51%
  • Sep 14, 20263.51%first recorded
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
2000 Continental Blvd, Charlotte, NC 28273
36 Month Share Certificate
$0
3.65% ▲ 0.73% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.92%▲ 0.73% above avgNationally 2.81%
Details

Effective January 2, 2026; dividends compounded and paid monthly; early withdrawal penalties apply

Rate History
No change since Oct 9, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 9, 2026: 3.65% APYOct 9, 2026Oct 13, 2026
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
2000 Continental Blvd, Charlotte, NC 28273
36 Month Young Certificates
$0
3.65% ▲ 0.73% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.92%▲ 0.73% above avgNationally 2.81%
Details

For Youth (under age 18) and Young Adults (through age 23); Effective January 2, 2026

Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 18, 2026: 3.65% APYSep 18, 2026Oct 13, 2026
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
2000 Continental Blvd, Charlotte, NC 28273
IRA Certificates - 36 months
$0
3.65% ▲ 0.73% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.92%▲ 0.73% above avgNationally 2.81%
Details

IRA Certificates can be used as Traditional or Roth IRAs, or for Coverdell Education Savings. Early withdrawal penalties apply. Dividends compounded and paid monthly. Effective January 2, 2026

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
TCP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
3051 Westinghouse Rd, Rural Hall, NC 27045 9570
Share Term Certificate - 36 Month
$250
3.64% ▲ 0.72% above North Carolina avg
View
▼
Rate3.60%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.92%▲ 0.72% above avgNationally 2.81%
Details

Fixed Rate

Rate History
No change since Sep 14, 2026 · 3.64% APY · checked 5 times
3.14%3.64%4.14%Sep 14, 2026: 3.64% APYSep 14, 2026Oct 13, 2026
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
214 Pacific Ave, Durham, NC 27704
36 Month Certificate or IRA
$0
3.60% ▲ 0.68% above North Carolina avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.92%▲ 0.68% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 8 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
CAROLINA
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
1200 E Church St, Cherryville, NC 28021 9211
3 Year CD
$50,000
3.60% ▲ 0.68% above North Carolina avg
View
▼
Rate3.54%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.92%▲ 0.68% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 14, 2026 · 3.20% → 3.60% ▲ 0.40 pts · high 3.60% / low 3.20%
2.70%3.40%4.10%Sep 14, 2026: 3.20% APYSep 18, 2026: 3.30% APYOct 6, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
  • Oct 6, 20263.60%▲ from 3.30%
  • Sep 18, 20263.30%▲ from 3.20%
  • Sep 14, 20263.20%first recorded
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
1815 Kildaire Farm Rd, Cary, NC 27518
36 Month Standard Personal Share Certificates
$0
3.56% ▲ 0.64% above North Carolina avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average2.92%▲ 0.64% above avgNationally 2.81%
Details

Opening deposit of $10,000.00 and above; Early withdrawal penalties may apply and reduce earnings.

Rate History
1 change since Sep 12, 2026 · 3.45% → 3.56% ▲ 0.11 pts · high 3.56% / low 3.45%
2.95%3.51%4.06%Sep 12, 2026: 3.45% APYOct 12, 2026: 3.56% APYSep 12, 2026Oct 13, 2026
  • Oct 12, 20263.56%▲ from 3.45%
  • Sep 12, 20263.45%first recorded
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
1815 Kildaire Farm Rd, Cary, NC 27518
Standard Personal Share Certificates - 36 Months
$10,000
3.56% ▲ 0.64% above North Carolina avg
View
▼
Rate3.50%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average2.92%▲ 0.64% above avgNationally 2.81%
Details

Opening deposit of $10,000.00 and above; Early withdrawal penalties may apply and reduce earnings.

Rate History
1 change since Sep 12, 2026 · 3.45% → 3.56% ▲ 0.11 pts · high 3.56% / low 3.45%
2.95%3.51%4.06%Sep 12, 2026: 3.45% APYOct 12, 2026: 3.56% APYSep 12, 2026Oct 13, 2026
  • Oct 12, 20263.56%▲ from 3.45%
  • Sep 12, 20263.45%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2989 Tucker St, Burlington, NC 27215
3 Year IRA Certificate - Roth Executive
$100,000
3.55% ▲ 0.63% above North Carolina avg
View
▼
Rate3.48%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.92%▲ 0.63% above avgNationally 2.81%
Details

Rate History
No change since Oct 9, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 9, 2026: 3.55% APYOct 9, 2026Oct 13, 2026
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2989 Tucker St, Burlington, NC 27215
3 Year IRA Certificate - Traditional Executive
$100,000
3.55% ▲ 0.63% above North Carolina avg
View
▼
Rate3.48%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.92%▲ 0.63% above avgNationally 2.81%
Details

Rate History
No change since Oct 9, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 9, 2026: 3.55% APYOct 9, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
Building 603 Suite 100, Liberty, NC 27298
36 Month IRA Certificate
$0
3.50% ▲ 0.58% above North Carolina avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
North Carolina Average2.92%▲ 0.58% above avgNationally 2.81%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
Building 603 Suite 100, Liberty, NC 27298
36 Month Share Certificates
$0
3.50% ▲ 0.58% above North Carolina avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
North Carolina Average2.92%▲ 0.58% above avgNationally 2.81%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 13, 2026

North Carolina 48 Month CD Rates

MonitorBankRates North Carolina Average · 48 Month CD2.73% APY▼ 0.01% from last weekNational 2.80%
View 48-month CD rate trend

The average 48-month CD rate in North Carolina is 2.73% APY, compared with 2.80% nationally, as of October 13, 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
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
3700 South Blvd, Charlotte, NC 28209
48 Month Elite Jumbo CD
$250,000
4.75% ▲ 2.02% above North Carolina avg
View
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.73%▲ 2.02% above avgNationally 2.80%
Details

Rate History
1 change since Sep 21, 2026 · 4.25% → 4.75% ▲ 0.50 pts · high 4.75% / low 4.25%
3.75%4.50%5.25%Sep 21, 2026: 4.25% APYOct 5, 2026: 4.75% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.75%▲ from 4.25%
  • Sep 21, 20264.25%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7521 Pineville Matthews Rd, Charlotte, NC 28226
Regular, IRA & Business Jumbo Certificates - 4 years
$0
4.47% ▲ 1.74% above North Carolina avg
View
▼
Rate4.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.73%▲ 1.74% above avgNationally 2.80%
Details

Rate History
1 change since Sep 18, 2026 · 4.12% → 4.47% ▲ 0.35 pts · high 4.47% / low 4.12%
3.62%4.30%4.97%Sep 18, 2026: 4.12% APYOct 1, 2026: 4.47% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20264.47%▲ from 4.12%
  • Sep 18, 20264.12%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7521 Pineville Matthews Rd, Charlotte, NC 28226
Regular, IRA & Business Junior Jumbo Certificates - 4 years
$0
4.36% ▲ 1.63% above North Carolina avg
View
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.73%▲ 1.63% above avgNationally 2.80%
Details

Rate History
1 change since Sep 18, 2026 · 4.01% → 4.36% ▲ 0.35 pts · high 4.36% / low 4.01%
3.51%4.19%4.86%Sep 18, 2026: 4.01% APYOct 1, 2026: 4.36% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20264.36%▲ from 4.01%
  • Sep 18, 20264.01%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7521 Pineville Matthews Rd, Charlotte, NC 28226
Regular, IRA & Business Certificates - 4 years
$0
4.26% ▲ 1.53% above North Carolina avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.73%▲ 1.53% above avgNationally 2.80%
Details

Rate History
1 change since Sep 18, 2026 · 3.91% → 4.26% ▲ 0.35 pts · high 4.26% / low 3.91%
3.41%4.09%4.76%Sep 18, 2026: 3.91% APYOct 1, 2026: 4.26% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20264.26%▲ from 3.91%
  • Sep 18, 20263.91%first recorded
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
11115 S Tryon St, Charlotte, NC 28273
Fixed Rate IRA Certificates - 48 Month Certificate
$500
4.22% ▲ 1.49% above North Carolina avg
View
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.73%▲ 1.49% above avgNationally 2.80%
Details

Dividends compounded & credited quarterly; dividend period quarterly

Rate History
No change since Oct 13, 2026 · 4.22% APY
3.72%4.22%4.72%Oct 13, 2026: 4.22% APYOct 13, 2026Oct 13, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
3700 South Blvd, Charlotte, NC 28209
48 Month Regular CD
$500
4.20% ▲ 1.47% above North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.73%▲ 1.47% above avgNationally 2.80%
Details

Rate History
1 change since Sep 21, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
3.50%4.10%4.70%Sep 21, 2026: 4.00% APYOct 5, 2026: 4.20% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.20%▲ from 4.00%
  • Sep 21, 20264.00%first recorded
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1000 Saint Albans Dr, Raleigh, NC 27609
48 Month IRA Certificate
$250
4.10% ▲ 1.37% above North Carolina avg
View
▼
Rate4.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.73%▲ 1.37% above avgNationally 2.80%
Details

Rate History
No change since Oct 6, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 6, 2026: 4.10% APYOct 6, 2026Oct 13, 2026
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1000 Saint Albans Dr, Raleigh, NC 27609
48-Month Certificate
$250
4.10% ▲ 1.37% above North Carolina avg
View
▼
Rate4.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.73%▲ 1.37% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.10% ▲ 0.20 pts · high 4.10% / low 3.90%
3.40%4.00%4.60%Sep 14, 2026: 3.90% APYOct 1, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Oct 1, 20264.10%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
323 W Jones St, Raleigh, NC 27603 1369
48 Month Business Jumbo Choice Certificate 48
$75,000
4.00% ▲ 1.27% above North Carolina avg
View
▼
Rate3.92%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.73%▲ 1.27% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
323 W Jones St, Raleigh, NC 27603 1369
48 Month Jumbo Choice Certificate 48
$75,000
4.00% ▲ 1.27% above North Carolina avg
View
▼
Rate3.92%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.73%▲ 1.27% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.13%
1125 ACADEMY ST N, AHOSKIE, NC 27910
Share Term Certificates (STCs) - 48 months
$250
4.00% ▲ 1.27% above North Carolina avg
View
▼
Rate4.00%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.73%▲ 1.27% above avgNationally 2.80%
Details

Interest rate and APY shown as 4.00% / 4.00% APY

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 13, 2026
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
11115 S Tryon St, Charlotte, NC 28273
48 Month Certificate
$500
3.96% ▲ 1.23% above North Carolina avg
View
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.73%▲ 1.23% above avgNationally 2.80%
Details

Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly

Rate History
1 change since Sep 14, 2026 · 4.22% → 3.96% ▼ 0.26 pts · high 4.22% / low 3.96%
3.46%4.09%4.72%Sep 14, 2026: 4.22% APYOct 5, 2026: 3.96% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.96%▼ from 4.22%
  • Sep 14, 20264.22%first recorded
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
100 W Morgan St, Durham, NC 27701 3315
48 Month Term Certificate
$200,000
3.93% ▲ 1.20% above North Carolina avg
View
▼
Rate3.93%
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.73%▲ 1.20% above avgNationally 2.80%
Details

Rate History
No change since Oct 10, 2026 · 3.93% APY
3.43%3.93%4.43%Oct 10, 2026: 3.93% APYOct 10, 2026Oct 13, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
323 W Jones St, Raleigh, NC 27603 1369
37 - 48 Month Business Choice Certificate 48
$500
3.90% ▲ 1.17% above North Carolina avg
View
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.73%▲ 1.17% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 8 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
323 W Jones St, Raleigh, NC 27603 1369
37 - 48 Month Choice Certificate 48
$250
3.90% ▲ 1.17% above North Carolina avg
View
▼
Rate3.83%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.73%▲ 1.17% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 8 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
323 W Jones St, Raleigh, NC 27603 1369
48 Month IRA Choice Certificate 48
$250
3.90% ▲ 1.17% above North Carolina avg
View
▼
Rate3.83%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.73%▲ 1.17% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 8 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
100 W Morgan St, Durham, NC 27701 3315
48 Month Term Certificate
$100,000
3.88% ▲ 1.15% above North Carolina avg
View
▼
Rate3.88%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.73%▲ 1.15% above avgNationally 2.80%
Details

Rate History
No change since Oct 10, 2026 · 3.88% APY
3.38%3.88%4.38%Oct 10, 2026: 3.88% APYOct 10, 2026Oct 13, 2026
TCP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
3051 Westinghouse Rd, Rural Hall, NC 27045 9570
Share Term Certificate - 48 Month
$250
3.85% ▲ 1.12% above North Carolina avg
View
▼
Rate3.80%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.73%▲ 1.12% above avgNationally 2.80%
Details

Fixed Rate

Rate History
1 change since Sep 14, 2026 · 3.23% → 3.85% ▲ 0.62 pts · high 3.85% / low 3.23%
2.61%3.54%4.47%Sep 14, 2026: 3.23% APYSep 18, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20263.85%▲ from 3.23%
  • Sep 14, 20263.23%first recorded
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
2917 Village Dr, Fayetteville, NC 28304 3814
48 Month Share Certificate
$1,000
3.75% ▲ 1.02% above North Carolina avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average2.73%▲ 1.02% above avgNationally 2.80%
Details

Maximum Balance to Earn: $250,000.00; Compounds: Monthly

Rate History
No change since Sep 12, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 12, 2026: 3.75% APYSep 12, 2026Oct 13, 2026
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
2000 Continental Blvd, Charlotte, NC 28273
48 Month Share Certificate
$0
3.75% ▲ 1.02% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.73%▲ 1.02% above avgNationally 2.80%
Details

Effective January 2, 2026; dividends compounded and paid monthly; early withdrawal penalties apply

Rate History
No change since Oct 9, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 9, 2026: 3.75% APYOct 9, 2026Oct 13, 2026
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
2000 Continental Blvd, Charlotte, NC 28273
48 Month Young Certificates
$0
3.75% ▲ 1.02% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.73%▲ 1.02% above avgNationally 2.80%
Details

For Youth (under age 18) and Young Adults (through age 23); Effective January 2, 2026

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 13, 2026
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
2000 Continental Blvd, Charlotte, NC 28273
IRA Certificates - 48 Months
$0
3.75% ▲ 1.02% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.73%▲ 1.02% above avgNationally 2.80%
Details

IRA Certificates can be used as Traditional or Roth IRAs, or for Coverdell Education Savings. Early withdrawal penalties apply. Dividends compounded and paid monthly. Effective January 2, 2026

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
2000 John Deere Run, Cary, NC 27513
48 Month Certificate
$500
3.75% ▲ 1.02% above North Carolina avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.73%▲ 1.02% above avgNationally 2.80%
Details

HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. 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.

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 14, 2026: 3.50% APYOct 1, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 1, 20263.75%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
100 W Morgan St, Durham, NC 27701 3315
48 Month Share Term Certificate
$500
3.73% ▲ 1.00% above North Carolina avg
View
▼
Rate3.73%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.73%▲ 1.00% above avgNationally 2.80%
Details

Rate History
No change since Oct 10, 2026 · 3.73% APY
3.23%3.73%4.23%Oct 10, 2026: 3.73% APYOct 10, 2026Oct 13, 2026
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
5712 Creedmoor Rd, Raleigh, NC 27612
48 Month Share Certificate Accounts
$500
3.51% ▲ 0.78% above North Carolina avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.73%▲ 0.78% above avgNationally 2.80%
Details

Rate History
No change since Sep 21, 2026 · 3.51% APY · checked 4 times
3.01%3.51%4.01%Sep 21, 2026: 3.51% APYSep 21, 2026Oct 13, 2026
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
5712 Creedmoor Rd, Raleigh, NC 27612
IRA Certificate Accounts - 48 Month
$500
3.51% ▲ 0.78% above North Carolina avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.73%▲ 0.78% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 3 times
3.01%3.51%4.01%Sep 14, 2026: 3.51% APYSep 14, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
Building 603 Suite 100, Liberty, NC 27298
48 Month IRA Certificate
$0
3.50% ▲ 0.77% above North Carolina avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
North Carolina Average2.73%▲ 0.77% above avgNationally 2.80%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
Building 603 Suite 100, Liberty, NC 27298
48 Month Share Certificates
$0
3.50% ▲ 0.77% above North Carolina avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
North Carolina Average2.73%▲ 0.77% above avgNationally 2.80%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 13, 2026
American Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
618 N Scales St, Reidsville, NC 27320 2941
48 Month IRA and Share Certificates
$500
3.50% ▲ 0.77% above North Carolina avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.73%▲ 0.77% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Welcome Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
10810 Chapel Hill Rd, Morrisville, NC 27560
IRA Share Certificates - 48 Months
$500
3.50% ▲ 0.77% above North Carolina avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.73%▲ 0.77% above avgNationally 2.80%
Details

Dividends credited and compounded quarterly.

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
88 Hillsboro St, Pittsboro, NC 27312
48 Month Certificate
$0
3.41% ▲ 0.68% above North Carolina avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average2.73%▲ 0.68% above avgNationally 2.80%
Details

Rate History
No change since Sep 24, 2026 · 3.41% APY · checked 5 times
2.91%3.41%3.91%Sep 24, 2026: 3.41% APYSep 24, 2026Oct 13, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
4100 Clemmons Rd, Clemmons, NC 27012
48 Month Term
$0
3.35% ▲ 0.62% above North Carolina avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average2.73%▲ 0.62% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 6 times
2.85%3.35%3.85%Sep 18, 2026: 3.35% APYSep 18, 2026Oct 13, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
4100 Clemmons Rd, Clemmons, NC 27012
48 Month Term
$0
3.30% ▲ 0.57% above North Carolina avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average2.73%▲ 0.57% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 6 times
2.80%3.30%3.80%Sep 18, 2026: 3.30% APYSep 18, 2026Oct 13, 2026
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
1815 Kildaire Farm Rd, Cary, NC 27518
48 Month Standard Personal Share Certificates
$0
3.30% ▲ 0.57% above North Carolina avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average2.73%▲ 0.57% above avgNationally 2.80%
Details

Opening deposit of $10,000.00 and above; Early withdrawal penalties may apply and reduce earnings.

Rate History
1 change since Sep 12, 2026 · 3.20% → 3.30% ▲ 0.10 pts · high 3.30% / low 3.20%
2.70%3.25%3.80%Sep 12, 2026: 3.20% APYOct 12, 2026: 3.30% APYSep 12, 2026Oct 13, 2026
  • Oct 12, 20263.30%▲ from 3.20%
  • Sep 12, 20263.20%first recorded
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
1815 Kildaire Farm Rd, Cary, NC 27518
Standard Personal Share Certificates - 48 Months
$10,000
3.30% ▲ 0.57% above North Carolina avg
View
▼
Rate3.25%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average2.73%▲ 0.57% above avgNationally 2.80%
Details

Opening deposit of $10,000.00 and above; Early withdrawal penalties may apply and reduce earnings.

Rate History
1 change since Sep 12, 2026 · 3.20% → 3.30% ▲ 0.10 pts · high 3.30% / low 3.20%
2.70%3.25%3.80%Sep 12, 2026: 3.20% APYOct 12, 2026: 3.30% APYSep 12, 2026Oct 13, 2026
  • Oct 12, 20263.30%▲ from 3.20%
  • Sep 12, 20263.20%first recorded
Fort Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
4172 Hefner Dr, Fort Bragg, NC 28310
48 Month Jumbo Term Share Certificate
$25,000
3.30% ▲ 0.57% above North Carolina avg
View
▼
Rate3.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.73%▲ 0.57% above avgNationally 2.80%
Details

Type: FIXED; Applies to Non-IRA and IRA Term Share Certificates

Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 13, 2026
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1691 Westbrook Plaza Dr, Winston Salem, NC 27103 2993
IRA Certificate - 4 Year
$500
3.30% ▲ 0.57% above North Carolina avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.73%▲ 0.57% above avgNationally 2.80%
Details

Published APY range: 3.30% - 3.50%; Published rate range: 3.25% - 3.44%. Balance: $500.00 - $250,000.00

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 8 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
4997 Home Rd, Winston Salem, NC 27106
48 Month Certificate
$500
3.30% ▲ 0.57% above North Carolina avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.73%▲ 0.57% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 7 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
4100 Clemmons Rd, Clemmons, NC 27012
48 Month Term
$0
3.25% ▲ 0.52% above North Carolina avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average2.73%▲ 0.52% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 13, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
803 Stiner Road, Fort Bragg, NC 28307
4 Year Certificate
$0
3.20% ▲ 0.47% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average2.73%▲ 0.47% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 2.90% → 3.20% ▲ 0.30 pts · high 3.20% / low 2.90%
2.40%3.05%3.70%Sep 14, 2026: 2.90% APYSep 18, 2026: 3.20% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20263.20%▲ from 2.90%
  • Sep 14, 20262.90%first recorded
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
1815 Kildaire Farm Rd, Cary, NC 27518
Standard Personal Share Certificates - 48 Months
$0
3.20% ▲ 0.47% above North Carolina avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average2.73%▲ 0.47% above avgNationally 2.80%
Details

Balance: $500 - $9,999.99

Rate History
No change since Sep 12, 2026 · 3.20% APY · checked 7 times
2.70%3.20%3.70%Sep 12, 2026: 3.20% APYSep 12, 2026Oct 13, 2026
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
1815 Kildaire Farm Rd, Cary, NC 27518
Traditional IRA Certificates - 48 Months
$0
3.20% ▲ 0.47% above North Carolina avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average2.73%▲ 0.47% above avgNationally 2.80%
Details

Balance: $500.00 - $9,999.99

Rate History
No change since Sep 12, 2026 · 3.20% APY · checked 2 times
2.70%3.20%3.70%Sep 12, 2026: 3.20% APYSep 12, 2026Oct 13, 2026
Fort Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
4172 Hefner Dr, Fort Bragg, NC 28310
48 Month Term Share Certificate - Regular Term
$500
3.20% ▲ 0.47% above North Carolina avg
View
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.73%▲ 0.47% above avgNationally 2.80%
Details

Type: FIXED; Non-IRA and IRA; Effective Date: 10/01/2026

Rate History
No change since Oct 13, 2026 · 3.20% APY
2.70%3.20%3.70%Oct 13, 2026: 3.20% APYOct 13, 2026Oct 13, 2026
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1691 Westbrook Plaza Dr, Winston Salem, NC 27103 2993
4 Year Certificate
$500
3.20% ▲ 0.47% above North Carolina avg
View
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.73%▲ 0.47% above avgNationally 2.80%
Details

Published APY range: 3.20% - 3.40%; Published rate range: 3.15% - 3.34%. Balance: $500.00 - $250,000.00

Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 6 times
2.70%3.20%3.70%Sep 14, 2026: 3.20% APYSep 14, 2026Oct 13, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
4100 Clemmons Rd, Clemmons, NC 27012
48 Month Term
$0
3.19% ▲ 0.46% above North Carolina avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average2.73%▲ 0.46% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 3.19% APY · checked 6 times
2.69%3.19%3.69%Sep 18, 2026: 3.19% APYSep 18, 2026Oct 13, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
803 Stiner Road, Fort Bragg, NC 28307
4 Year IRA Certificate
$0
3.10% ▲ 0.37% above North Carolina avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average2.73%▲ 0.37% above avgNationally 2.80%
Details

Balance: $1,000 minimum balance to open

Rate History
No change since Oct 7, 2026 · 3.10% APY · checked 2 times
2.60%3.10%3.60%Oct 7, 2026: 3.10% APYOct 7, 2026Oct 13, 2026
Revity Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.13%
217 N Greene St, Greensboro, NC 27401
48 Month Jumbo & Jumbo IRA Certificates
$50,000
3.09% ▲ 0.36% above North Carolina avg
View
▼
Rate3.05%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.73%▲ 0.36% above avgNationally 2.80%
Details

Rate History
No change since Oct 5, 2026 · 3.09% APY · checked 3 times
2.59%3.09%3.59%Oct 5, 2026: 3.09% APYOct 5, 2026Oct 13, 2026
Revity Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.13%
217 N Greene St, Greensboro, NC 27401
48 Month Mini Jumbo & Mini Jumbo IRA Certificate
$10,000
3.09% ▲ 0.36% above North Carolina avg
View
▼
Rate3.05%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.73%▲ 0.36% above avgNationally 2.80%
Details

Rate History
No change since Oct 5, 2026 · 3.09% APY · checked 3 times
2.59%3.09%3.59%Oct 5, 2026: 3.09% APYOct 5, 2026Oct 13, 2026
Revity Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.13%
217 N Greene St, Greensboro, NC 27401
48 Month Regular & IRA Certificates
$500
3.09% ▲ 0.36% above North Carolina avg
View
▼
Rate3.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.73%▲ 0.36% above avgNationally 2.80%
Details

Add-on available with Regular Certificates only; Youth Club/Teen Club may open with $100 minimum

Rate History
No change since Oct 5, 2026 · 3.09% APY · checked 3 times
2.59%3.09%3.59%Oct 5, 2026: 3.09% APYOct 5, 2026Oct 13, 2026
First Carolina Peoples Credit Union
Institution Rating:
F2.0 ★Texas Ratio: 51.11%
201 E ASH ST, GOLDSBORO, NC 27530
48 Month IRA Certificates
$0
3.04% ▲ 0.31% above North Carolina avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.73%▲ 0.31% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 3.04% APY · checked 2 times
2.54%3.04%3.54%Sep 18, 2026: 3.04% APYSep 18, 2026Oct 13, 2026

North Carolina 60 Month CD Rates

MonitorBankRates North Carolina Average · 60 Month CD2.97% APY▲ 0.01% from last weekNational 2.90%
View 60-month CD rate trend

The average 60-month CD rate in North Carolina is 2.97% APY, compared with 2.90% nationally, as of October 13, 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
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7521 Pineville Matthews Rd, Charlotte, NC 28226
Regular, IRA & Business Jumbo Certificates - 5 years
$0
4.87% ▲ 1.90% above North Carolina avg
View
▼
Rate4.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.97%▲ 1.90% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 4.49% → 4.87% ▲ 0.38 pts · high 4.87% / low 4.49%
3.99%4.68%5.37%Sep 18, 2026: 4.49% APYOct 1, 2026: 4.87% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20264.87%▲ from 4.49%
  • Sep 18, 20264.49%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7521 Pineville Matthews Rd, Charlotte, NC 28226
Regular, IRA & Business Junior Jumbo Certificates - 5 years
$0
4.76% ▲ 1.79% above North Carolina avg
View
▼
Rate4.66%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.97%▲ 1.79% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 4.39% → 4.76% ▲ 0.37 pts · high 4.76% / low 4.39%
3.89%4.57%5.26%Sep 18, 2026: 4.39% APYOct 1, 2026: 4.76% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20264.76%▲ from 4.39%
  • Sep 18, 20264.39%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
3700 South Blvd, Charlotte, NC 28209
60 Month Elite Jumbo CD
$250,000
4.75% ▲ 1.78% above North Carolina avg
View
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.97%▲ 1.78% above avgNationally 2.90%
Details

Rate History
1 change since Sep 21, 2026 · 4.25% → 4.75% ▲ 0.50 pts · high 4.75% / low 4.25%
3.75%4.50%5.25%Sep 21, 2026: 4.25% APYOct 5, 2026: 4.75% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.75%▲ from 4.25%
  • Sep 21, 20264.25%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7521 Pineville Matthews Rd, Charlotte, NC 28226
Regular, IRA & Business Certificates - 5 years
$0
4.66% ▲ 1.69% above North Carolina avg
View
▼
Rate4.56%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.97%▲ 1.69% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 4.28% → 4.66% ▲ 0.38 pts · high 4.66% / low 4.28%
3.78%4.47%5.16%Sep 18, 2026: 4.28% APYOct 1, 2026: 4.66% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20264.66%▲ from 4.28%
  • Sep 18, 20264.28%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2989 Tucker St, Burlington, NC 27215
5 Year IRA Certificate - Roth
$500
4.60% ▲ 1.63% above North Carolina avg
View
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.97%▲ 1.63% above avgNationally 2.90%
Details

Rate History
1 change since Oct 9, 2026 · 3.40% → 4.60% ▲ 1.20 pts · high 4.60% / low 3.40%
2.20%4.00%5.80%Oct 9, 2026: 3.40% APYOct 13, 2026: 4.60% APYOct 9, 2026Oct 13, 2026
  • Oct 13, 20264.60%▲ from 3.40%
  • Oct 9, 20263.40%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2989 Tucker St, Burlington, NC 27215
5 Year IRA Certificate - Traditional
$500
4.60% ▲ 1.63% above North Carolina avg
View
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.97%▲ 1.63% above avgNationally 2.90%
Details

Rate History
1 change since Oct 9, 2026 · 3.40% → 4.60% ▲ 1.20 pts · high 4.60% / low 3.40%
2.20%4.00%5.80%Oct 9, 2026: 3.40% APYOct 13, 2026: 4.60% APYOct 9, 2026Oct 13, 2026
  • Oct 13, 20264.60%▲ from 3.40%
  • Oct 9, 20263.40%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
3700 South Blvd, Charlotte, NC 28209
5 Year IRA Traditional & Roth CD
$500
4.50% ▲ 1.53% above North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.97%▲ 1.53% above avgNationally 2.90%
Details

Rate History
1 change since Sep 21, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 21, 2026: 4.00% APYOct 13, 2026: 4.50% APYSep 21, 2026Oct 13, 2026
  • Oct 13, 20264.50%▲ from 4.00%
  • Sep 21, 20264.00%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
3700 South Blvd, Charlotte, NC 28209
60 Month Regular CD
$500
4.50% ▲ 1.53% above North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.97%▲ 1.53% above avgNationally 2.90%
Details

Rate History
1 change since Sep 21, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 21, 2026: 4.00% APYOct 5, 2026: 4.50% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.50%▲ from 4.00%
  • Sep 21, 20264.00%first recorded
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1000 Saint Albans Dr, Raleigh, NC 27609
60 Month IRA Certificate
$250
4.50% ▲ 1.53% above North Carolina avg
View
▼
Rate4.41%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.97%▲ 1.53% above avgNationally 2.90%
Details

Rate History
No change since Oct 6, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 6, 2026: 4.50% APYOct 6, 2026Oct 13, 2026
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1000 Saint Albans Dr, Raleigh, NC 27609
60-Month Certificate
$250
4.50% ▲ 1.53% above North Carolina avg
View
▼
Rate4.41%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.97%▲ 1.53% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15%
3.65%4.33%5.00%Sep 14, 2026: 4.15% APYOct 1, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
  • Oct 1, 20264.50%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
11115 S Tryon St, Charlotte, NC 28273
Fixed Rate IRA Certificates - 60 Month Certificate
$500
4.27% ▲ 1.30% above North Carolina avg
View
▼
Rate4.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.97%▲ 1.30% above avgNationally 2.90%
Details

Dividends compounded & credited quarterly; dividend period quarterly

Rate History
No change since Oct 13, 2026 · 4.27% APY
3.77%4.27%4.77%Oct 13, 2026: 4.27% APYOct 13, 2026Oct 13, 2026
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.20%
6308 Falls of Neuse Rd, Raleigh, NC 27615
60 Month Fixed Rate
$0
4.11% ▲ 1.14% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average2.97%▲ 1.14% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 3.95% → 4.11% ▲ 0.16 pts · high 4.11% / low 3.95%
3.45%4.03%4.61%Sep 18, 2026: 3.95% APYSep 27, 2026: 4.11% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20264.11%▲ from 3.95%
  • Sep 18, 20263.95%first recorded
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
323 W Jones St, Raleigh, NC 27603 1369
60 Month Business Jumbo Choice Certificate 48
$75,000
4.10% ▲ 1.13% above North Carolina avg
View
▼
Rate4.02%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.97%▲ 1.13% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 8 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
323 W Jones St, Raleigh, NC 27603 1369
60 Month Jumbo Choice Certificate 60
$75,000
4.10% ▲ 1.13% above North Carolina avg
View
▼
Rate4.02%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.97%▲ 1.13% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 8 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
11115 S Tryon St, Charlotte, NC 28273
60 Month Certificate
$500
4.01% ▲ 1.04% above North Carolina avg
View
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.97%▲ 1.04% above avgNationally 2.90%
Details

Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly

Rate History
1 change since Sep 14, 2026 · 4.27% → 4.01% ▼ 0.26 pts · high 4.27% / low 4.01%
3.51%4.14%4.77%Sep 14, 2026: 4.27% APYOct 5, 2026: 4.01% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.01%▼ from 4.27%
  • Sep 14, 20264.27%first recorded
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
323 W Jones St, Raleigh, NC 27603 1369
49 - 60 Month Business Choice Certificate 60
$500
4.00% ▲ 1.03% above North Carolina avg
View
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.97%▲ 1.03% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
323 W Jones St, Raleigh, NC 27603 1369
49 - 60 Month Choice Certificate 60
$250
4.00% ▲ 1.03% above North Carolina avg
View
▼
Rate3.92%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.97%▲ 1.03% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
323 W Jones St, Raleigh, NC 27603 1369
60 Month IRA Choice Certificate 60
$250
4.00% ▲ 1.03% above North Carolina avg
View
▼
Rate3.92%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.97%▲ 1.03% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.13%
1125 ACADEMY ST N, AHOSKIE, NC 27910
Share Term Certificates (STCs) - 60 months
$250
4.00% ▲ 1.03% above North Carolina avg
View
▼
Rate4.00%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.97%▲ 1.03% above avgNationally 2.90%
Details

Interest rate and APY shown as 4.00% / 4.00% APY

Rate History
No change since Oct 13, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 13, 2026: 4.00% APYOct 13, 2026Oct 13, 2026
TCP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
3051 Westinghouse Rd, Rural Hall, NC 27045 9570
Share Term Certificate - 60 Month
$250
3.95% ▲ 0.98% above North Carolina avg
View
▼
Rate3.90%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.97%▲ 0.98% above avgNationally 2.90%
Details

Fixed Rate

Rate History
1 change since Sep 14, 2026 · 3.34% → 3.95% ▲ 0.61 pts · high 3.95% / low 3.34%
2.73%3.65%4.56%Sep 14, 2026: 3.34% APYSep 18, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20263.95%▲ from 3.34%
  • Sep 14, 20263.34%first recorded
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
100 W Morgan St, Durham, NC 27701 3315
60 Month Term Certificate
$200,000
3.95% ▲ 0.98% above North Carolina avg
View
▼
Rate3.95%
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.97%▲ 0.98% above avgNationally 2.90%
Details

Rate History
No change since Oct 10, 2026 · 3.95% APY
3.45%3.95%4.45%Oct 10, 2026: 3.95% APYOct 10, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
105 Currituck Commerical Dr, Moyock, NC 27958
5 Year ESA Long-Term Certificate
$100,000
3.90% ▲ 0.93% above North Carolina avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.97%▲ 0.93% above avgNationally 2.90%
Details

Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 30, 2026: 3.90% APYSep 30, 2026Oct 13, 2026
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
562 Caratoke Hwy, Moyock, NC 27958 8740
IRA Certificate - 60 Months (Reg/Roth/Educ)
$100,000
3.90% ▲ 0.93% above North Carolina avg
View
▼
Rate3.83%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.97%▲ 0.93% above avgNationally 2.90%
Details

Early withdrawal penalty may apply to all certificates at 15-day x original term of dividends on amount withdrawn

Rate History
1 change since Sep 18, 2026 · 3.10% → 3.90% ▲ 0.80 pts · high 3.90% / low 3.10%
2.30%3.50%4.70%Sep 18, 2026: 3.10% APYSep 25, 2026: 3.90% APYSep 18, 2026Oct 13, 2026
  • Sep 25, 20263.90%▲ from 3.10%
  • Sep 18, 20263.10%first recorded
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
2000 Continental Blvd, Charlotte, NC 28273
60 Month Share Certificate
$0
3.90% ▲ 0.93% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.97%▲ 0.93% above avgNationally 2.90%
Details

Effective January 2, 2026; dividends compounded and paid monthly; early withdrawal penalties apply

Rate History
No change since Oct 9, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 9, 2026: 3.90% APYOct 9, 2026Oct 13, 2026
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
2000 Continental Blvd, Charlotte, NC 28273
60 Month Young Certificates
$0
3.90% ▲ 0.93% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.97%▲ 0.93% above avgNationally 2.90%
Details

For Youth (under age 18) and Young Adults (through age 23); Effective January 2, 2026

Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 5 times
3.40%3.90%4.40%Sep 18, 2026: 3.90% APYSep 18, 2026Oct 13, 2026
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
2000 Continental Blvd, Charlotte, NC 28273
IRA Certificates - 60 Months
$0
3.90% ▲ 0.93% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.97%▲ 0.93% above avgNationally 2.90%
Details

IRA Certificates can be used as Traditional or Roth IRAs, or for Coverdell Education Savings. Early withdrawal penalties apply. Dividends compounded and paid monthly. Effective January 2, 2026

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
100 W Morgan St, Durham, NC 27701 3315
60 Month Term Certificate
$100,000
3.90% ▲ 0.93% above North Carolina avg
View
▼
Rate3.90%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.97%▲ 0.93% above avgNationally 2.90%
Details

Rate History
No change since Oct 10, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 10, 2026: 3.90% APYOct 10, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
105 Currituck Commerical Dr, Moyock, NC 27958
5 Year ESA Long-Term Certificate
$1,000
3.85% ▲ 0.88% above North Carolina avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.97%▲ 0.88% above avgNationally 2.90%
Details

Balance: $1,000 - $19,999.99; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Sep 30, 2026: 3.85% APYSep 30, 2026Oct 13, 2026
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
562 Caratoke Hwy, Moyock, NC 27958 8740
Certificate - 60 Months
$100,000
3.85% ▲ 0.88% above North Carolina avg
View
▼
Rate3.78%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.97%▲ 0.88% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 3.05% → 3.85% ▲ 0.80 pts · high 3.85% / low 3.05%
2.25%3.45%4.65%Sep 18, 2026: 3.05% APYSep 25, 2026: 3.85% APYSep 18, 2026Oct 13, 2026
  • Sep 25, 20263.85%▲ from 3.05%
  • Sep 18, 20263.05%first recorded
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
562 Caratoke Hwy, Moyock, NC 27958 8740
IRA Certificate - 60 Months (Reg/Roth/Educ)
$1,000
3.85% ▲ 0.88% above North Carolina avg
View
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.97%▲ 0.88% above avgNationally 2.90%
Details

Early withdrawal penalty may apply to all certificates at 15-day x original term of dividends on amount withdrawn

Rate History
1 change since Sep 18, 2026 · 3.10% → 3.85% ▲ 0.75 pts · high 3.85% / low 3.10%
2.35%3.47%4.60%Sep 18, 2026: 3.10% APYSep 25, 2026: 3.85% APYSep 18, 2026Oct 13, 2026
  • Sep 25, 20263.85%▲ from 3.10%
  • Sep 18, 20263.10%first recorded
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
562 Caratoke Hwy, Moyock, NC 27958 8740
Certificate - 60 Months
$1,000
3.80% ▲ 0.83% above North Carolina avg
View
▼
Rate3.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.97%▲ 0.83% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 3.00% → 3.80% ▲ 0.80 pts · high 3.80% / low 3.00%
2.20%3.40%4.60%Sep 18, 2026: 3.00% APYSep 25, 2026: 3.80% APYSep 18, 2026Oct 13, 2026
  • Sep 25, 20263.80%▲ from 3.00%
  • Sep 18, 20263.00%first recorded
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
2917 Village Dr, Fayetteville, NC 28304 3814
60 Month Share Certificate
$1,000
3.75% ▲ 0.78% above North Carolina avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average2.97%▲ 0.78% above avgNationally 2.90%
Details

Maximum Balance to Earn: $250,000.00; Compounds: Monthly

Rate History
No change since Sep 12, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 12, 2026: 3.75% APYSep 12, 2026Oct 13, 2026
American Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
618 N Scales St, Reidsville, NC 27320 2941
60 Month IRA and Share Certificates
$500
3.75% ▲ 0.78% above North Carolina avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.97%▲ 0.78% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
100 W Morgan St, Durham, NC 27701 3315
60 Month Share Term Certificate
$500
3.75% ▲ 0.78% above North Carolina avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.97%▲ 0.78% above avgNationally 2.90%
Details

Rate History
No change since Oct 10, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 10, 2026: 3.75% APYOct 10, 2026Oct 13, 2026
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
2098 Frontis Plaza Blvd Ste A, Winston Salem, NC 27103 5779
60 Month Certificate
$2,000
3.66% ▲ 0.69% above North Carolina avg
View
▼
Rate3.60%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.97%▲ 0.69% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.51% → 3.66% ▲ 0.15 pts · high 3.66% / low 3.51%
3.01%3.59%4.16%Sep 14, 2026: 3.51% APYOct 9, 2026: 3.66% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.66%▲ from 3.51%
  • Sep 14, 20263.51%first recorded
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
1 Floretta Pl, Raleigh, NC 27676 9803
IRA Certificate - 5 Years
$0
3.60% ▲ 0.63% above North Carolina avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.97%▲ 0.63% above avgNationally 2.90%
Details

Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 6, 2026: 3.60% APYOct 6, 2026Oct 13, 2026
CAROLINA
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
1200 E Church St, Cherryville, NC 28021 9211
5 Year CD
$50,000
3.60% ▲ 0.63% above North Carolina avg
View
▼
Rate3.54%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.97%▲ 0.63% above avgNationally 2.90%
Details

Rate History
2 changes since Sep 14, 2026 · 3.10% → 3.60% ▲ 0.50 pts · high 3.60% / low 3.10%
2.60%3.35%4.10%Sep 14, 2026: 3.10% APYSep 18, 2026: 3.20% APYOct 6, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
  • Oct 6, 20263.60%▲ from 3.20%
  • Sep 18, 20263.20%▲ from 3.10%
  • Sep 14, 20263.10%first recorded
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
Building 603 Suite 100, Liberty, NC 27298
60 Month IRA Certificate
$0
3.50% ▲ 0.53% above North Carolina avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
North Carolina Average2.97%▲ 0.53% above avgNationally 2.90%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
Building 603 Suite 100, Liberty, NC 27298
60 Month Share Certificates
$0
3.50% ▲ 0.53% above North Carolina avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
North Carolina Average2.97%▲ 0.53% above avgNationally 2.90%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 13, 2026
Welcome Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
10810 Chapel Hill Rd, Morrisville, NC 27560
IRA Share Certificates - 60 Months
$500
3.50% ▲ 0.53% above North Carolina avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.97%▲ 0.53% above avgNationally 2.90%
Details

Dividends credited and compounded quarterly.

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
2000 John Deere Run, Cary, NC 27513
60 Month Certificate
$500
3.50% ▲ 0.53% above North Carolina avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.97%▲ 0.53% above avgNationally 2.90%
Details

HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. 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.

Rate History
1 change since Sep 14, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
2.50%3.25%4.00%Sep 14, 2026: 3.00% APYOct 1, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
  • Oct 1, 20263.50%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
CAROLINA
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
1200 E Church St, Cherryville, NC 28021 9211
5 Year CD
$1,000
3.50% ▲ 0.53% above North Carolina avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.97%▲ 0.53% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.10% → 3.50% ▲ 0.40 pts · high 3.50% / low 3.10%
2.60%3.30%4.00%Sep 14, 2026: 3.10% APYOct 6, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
  • Oct 6, 20263.50%▲ from 3.10%
  • Sep 14, 20263.10%first recorded
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
1 Floretta Pl, Raleigh, NC 27676 9803
5 Years Share Certificate
$0
3.45% ▲ 0.48% above North Carolina avg
View
▼
Rate3.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.97%▲ 0.48% above avgNationally 2.90%
Details

Rate History
No change since Oct 6, 2026 · 3.45% APY · checked 2 times
2.95%3.45%3.95%Oct 6, 2026: 3.45% APYOct 6, 2026Oct 13, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
88 Hillsboro St, Pittsboro, NC 27312
60 Month Certificate
$0
3.41% ▲ 0.44% above North Carolina avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average2.97%▲ 0.44% above avgNationally 2.90%
Details

Rate History
No change since Sep 24, 2026 · 3.41% APY · checked 5 times
2.91%3.41%3.91%Sep 24, 2026: 3.41% APYSep 24, 2026Oct 13, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
4100 Clemmons Rd, Clemmons, NC 27012
60 Month Term
$0
3.40% ▲ 0.43% above North Carolina avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average2.97%▲ 0.43% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 18, 2026: 3.40% APYSep 18, 2026Oct 13, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
4100 Clemmons Rd, Clemmons, NC 27012
60 Month Term
$0
3.35% ▲ 0.38% above North Carolina avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average2.97%▲ 0.38% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 6 times
2.85%3.35%3.85%Sep 18, 2026: 3.35% APYSep 18, 2026Oct 13, 2026
Fort Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
4172 Hefner Dr, Fort Bragg, NC 28310
60 Month Jumbo Term Share Certificate
$25,000
3.35% ▲ 0.38% above North Carolina avg
View
▼
Rate3.30%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.97%▲ 0.38% above avgNationally 2.90%
Details

Type: FIXED; Applies to Non-IRA and IRA Term Share Certificates

Rate History
No change since Oct 13, 2026 · 3.35% APY
2.85%3.35%3.85%Oct 13, 2026: 3.35% APYOct 13, 2026Oct 13, 2026
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
1691 Westbrook Plaza Dr, Winston Salem, NC 27103 2993
IRA Certificate - 5 Year
$500
3.35% ▲ 0.38% above North Carolina avg
View
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.97%▲ 0.38% above avgNationally 2.90%
Details

Published APY range: 3.35% - 3.55%; Published rate range: 3.30% - 3.49%. Balance: $500.00 - $250,000.00

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 8 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 13, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
4100 Clemmons Rd, Clemmons, NC 27012
60 Month Term
$0
3.30% ▲ 0.33% above North Carolina avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average2.97%▲ 0.33% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 6 times
2.80%3.30%3.80%Sep 18, 2026: 3.30% APYSep 18, 2026Oct 13, 2026
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
1815 Kildaire Farm Rd, Cary, NC 27518
60 Month Standard Personal Share Certificates
$0
3.30% ▲ 0.33% above North Carolina avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average2.97%▲ 0.33% above avgNationally 2.90%
Details

Opening deposit of $10,000.00 and above; Early withdrawal penalties may apply and reduce earnings.

Rate History
1 change since Sep 12, 2026 · 3.20% → 3.30% ▲ 0.10 pts · high 3.30% / low 3.20%
2.70%3.25%3.80%Sep 12, 2026: 3.20% APYOct 12, 2026: 3.30% APYSep 12, 2026Oct 13, 2026
  • Oct 12, 20263.30%▲ from 3.20%
  • Sep 12, 20263.20%first recorded
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.

Top CD Rates from North Carolina Institutions

Highest verified APYs available today, updated October 13, 2026

B Top 5 Bank Rates
Live Oak Bank
1-Year CD
A 5.0 ★ TX: 7.23%
Min: $0
4.30%
Flagstar Bank, National Association
12-MONTH CD
D 3.3 ★ TX: 35.11%
Min: $500
4.30%
Crescent Bank
24-month CD
A+ 5.0 ★ TX: 3.24%
Min: $1,000
4.25%
Blue Ridge Bank National Association
12 Month Certificate
A 5.0 ★ TX: 8.11%
Min: $0
4.05%
Mechanics & Farmers Bank
12-Month CD
A+ 5.0 ★ TX: 3.41%
Min: $0
4.01%
CU Top 5 Credit Union Rates
Truliant Federal Credit Union
Limited-Time 12 Month Term (new external funds required)
A 5.0 ★ TX: 6.43%
Min: $0
5.00%
Piedmont Advantage Credit Union
12 Month Special Limited Term Certificate
A+ 5.0 ★ TX: 3.82%
Min: $5,000
5.00%
Advancial Federal Credit Union
Regular, IRA & Business Jumbo Certificates - 5 years
A 5.0 ★ TX: 12.30%
Min: $0
4.87%
Skyla Federal Credit Union
48 Month Elite Jumbo CD
A 5.0 ★ TX: 9.56%
Min: $250,000
4.75%
Honda Federal Credit Union
5 Year IRA Certificate - Roth
A+ 5.0 ★ TX: 2.74%
Min: $500
4.60%
Rates verified October 13, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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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.

View Full North Carolina CD Trends
12-Month CD NC Avg
3.149%
▲ 0.072 vs 7 days ago

North Carolina 12-month CD rates rose 0.072 points over the past 7 days to 3.149% APY.

6-Month CD NC Avg
2.890%
▲ 0.023 vs 7 days ago

North Carolina 6-month CD rates rose 0.023 points over the past 7 days to 2.890% APY.

As of Oct 13, 2026 • Rate data sourced from 8,500+ monitored institutions

NC CD Rate Forecast, Next 12 Months

Where are North Carolina CD rates headed through October 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

NC 12-Month Avg APY
3.149%
6-Month Forecast
3.149%
Range: 2.95%, 3.30%
12-Month Forecast
3.399%
Range: 3.20%, 3.55%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the North Carolina average 12-month CD APY in our database.

Spread model: The North Carolina 12-month CD average currently trades 1.23% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

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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 1.897% $94.86 $189.71 $474.28 $948.55
6-Month CD 2.890% $144.51 $289.02 $722.55 $1,445.10
12-Month CD 3.149% $157.43 $314.86 $787.15 $1,574.30
18-Month CD 3.019% $150.94 $301.88 $754.70 $1,509.40
24-Month CD 3.130% $156.49 $312.98 $782.45 $1,564.90
36-Month CD 2.923% $146.17 $292.33 $730.82 $1,461.65
48-Month CD 2.729% $136.44 $272.88 $682.20 $1,364.40
60-Month CD 2.973% $148.63 $297.26 $743.15 $1,486.30
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 13, 2026.
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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.

Build Your Ladder
Rung Term Deposit NC Avg APY Annual Earnings
1 3-Month CD $5,000 1.897% $94.86
2 6-Month CD $5,000 2.890% $144.51
3 12-Month CD $5,000 3.149% $157.43
4 24-Month CD $5,000 3.130% $156.49
5 36-Month CD $5,000 2.923% $146.17
Total ($25,000 invested) $25,000 2.798% blended $699.46/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.

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851
CD Rates
Tracked in North Carolina
25 Banks 56 Credit Unions

About Our North Carolina CD Rate Database

MonitorBankRates tracks 851 CD rates from 25 banks and 56 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 to 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: Truliant Federal Credit Union offers a CD at 5.00% 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 56 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: 81 institutions here report CD rates

Consider an Alternative If…

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
$135/yr
At NC 12-mo avg 3.149% 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 3.149%, saving 10% of the local median salary ($4,302/year) and putting it in a CD would earn an additional $135 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 to 180 days interest)
FDIC / NCUA Insured Yes (up to $250K) Yes (up to $250K) Yes (up to $250K) Yes (up to $250K)
Check / Debit Access No Usually no Often yes No
Best For Known savings goal, CD ladder Emergency fund, flexible savings Liquid savings with check-writing Slightly higher yield, less urgency

How Certificates of Deposit Work in North Carolina

A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in North Carolina typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in North Carolina as everywhere in the U.S.

Choosing a CD Term in North Carolina

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give North Carolina savers easier access to their funds. For example, Live Oak Bank is offering its 6-month CD at 4.10% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Advancial Federal Credit Union is offering its Regular, IRA & Business Jumbo Certificates - 5 years at 4.87% 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:
  • Truliant Federal Credit Union: 5.00% APY (Limited-Time 12 Month Term (new external funds required))
  • Piedmont Advantage Credit Union: 5.00% APY (12 Month Special Limited Term Certificate)
  • Advancial Federal Credit Union: 4.87% APY (Regular, IRA & Business Jumbo Certificates - 5 years)
  • Skyla Federal Credit Union: 4.75% APY (48 Month Elite Jumbo CD)
  • Honda Federal Credit Union: 4.60% APY (5 Year IRA Certificate - Roth)
  • Fort Financial Federal Credit Union: 4.50% APY (Traditional 12-Month IRA Certificate - Premier Member)
  • COASTAL: 4.50% APY (60 Month IRA Certificate)
  • Weyco Community Credit Union: 4.49% APY (18 Month Share Certificate)
  • Empeople Credit Union: 4.40% APY (18 Month Certificate)
  • Navy Federal Credit Union: 4.35% APY (12 Month Special EasyStart Certificate)
Rates reflect recent verified offers available in North Carolina. Last Updated: October 13, 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 to 180 days of interest. Estimates are for informational purposes only.

Top North Carolina CD Rates by Term

Verified October 13, 2026 · click a rate to use its term and APY
Highest verified APY per term available in North Carolina. Averages shown use the North Carolina state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for North Carolina

North Carolina CD Calculator

At today’s NC top rate of 5.00% APY, a $10,000 deposit earns $500 in the first year. Enter your amount to see your exact return.

North Carolina CD Ladder

NC CD rates currently range from 1.897% (3-month) to 2.923% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a North Carolina CD at 5.00% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

North Carolina’s average 12-month CD is 3.149% 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: October 13, 2026

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