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CD Rate Trends

Charlotte, North Carolina Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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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 14, 2026

Charlotte, North Carolina CD rates range from 0.01% to 5.00% APY, verified by MonitorBankRates as of October 14, 2026. Current Charlotte, North Carolina CD rates include Truliant Federal Credit UnionTruliant Federal Credit Union6051 Tyvola Glen Cir, Charlotte, NC 28217A5.0 ★Texas Ratio: 6.43%Real return: +2.20%APY minus CPI (February 2026) offering Limited-Time 12 Month Term at 5.00% APY, Piedmont Advantage Credit UnionPiedmont Advantage Credit Union2830 Boyer St, Charlotte, NC 28208A+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 5 Year Regular, IRA & Business Jumbo Certificates 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 State Employees Credit UnionState Employees Credit Union4720 AIRPORT CENTER PKWY, CHARLOTTE, NC 28208A-5.0 ★Texas Ratio: 14.13%Real return: +1.50%APY minus CPI (February 2026) offering Share Term Certificates (STCs) - 18 months at 4.30% APY. CD rates as of October 14, 2026 according to verified data from MonitorBankRates.

Charlotte has 370 local institutions in our database, with CD rates as high as 5.00% APY from Truliant Federal Credit Union at 6051 Tyvola Glen Cir, Charlotte, NC 28217. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader North Carolina area. 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 14, 2026

Compare Best CD Rates in Charlotte, North Carolina & the Surrounding Area

Jump to: 3 Month · 6 Month · 12 Month · 18 Month · 24 Month · 36 Month · 48 Month · 60 Month

Charlotte 3 Month CD Rates

North Carolina 3 Month CD Average1.89% APYNational 2.09%▲ 0.03% from last week
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
3 Month Regular, IRA & Business Jumbo Certificates
$0
2.65% ▲ 0.76% above North Carolina avg
View
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average1.89%▲ 0.76% 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 14, 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
3 Month Regular, IRA & Business Junior Jumbo Certificates
$0
2.55% ▲ 0.66% above North Carolina avg
View
▼
Rate2.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average1.89%▲ 0.66% 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 14, 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%
6051 Tyvola Glen Cir, Charlotte, NC 28217
3 Month Term
$0
2.50% ▲ 0.61% above North Carolina avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average1.89%▲ 0.61% above avgNationally 2.09%
Details

Regular & IRA Certificates

Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 7 times
2.00%2.50%3.00%Sep 18, 2026: 2.50% APYSep 18, 2026Oct 14, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
6051 Tyvola Glen Cir, Charlotte, NC 28217
Business 3 Month Term Certificate
$0
2.50% ▲ 0.61% above North Carolina avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average1.89%▲ 0.61% above avgNationally 2.09%
Details

Rate History
No change since Oct 14, 2026 · 2.50% APY
2.00%2.50%3.00%Oct 14, 2026: 2.50% APYOct 14, 2026Oct 14, 2026
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2830 Boyer St, Charlotte, NC 28208
3 Month Certificate
$500
2.50% ▲ 0.61% above North Carolina avg
View
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average1.89%▲ 0.61% 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 14, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
6051 Tyvola Glen Cir, Charlotte, NC 28217
3 Month Term
$0
2.45% ▲ 0.56% above North Carolina avg
View
▼
Rate2.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average1.89%▲ 0.56% above avgNationally 2.09%
Details

Regular & IRA Certificates

Rate History
No change since Sep 18, 2026 · 2.45% APY · checked 7 times
1.95%2.45%2.95%Sep 18, 2026: 2.45% APYSep 18, 2026Oct 14, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
6051 Tyvola Glen Cir, Charlotte, NC 28217
Business 3 Month Term Certificate
$0
2.45% ▲ 0.56% above North Carolina avg
View
▼
Rate2.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average1.89%▲ 0.56% above avgNationally 2.09%
Details

Rate History
No change since Oct 14, 2026 · 2.45% APY
1.95%2.45%2.95%Oct 14, 2026: 2.45% APYOct 14, 2026Oct 14, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7521 Pineville Matthews Rd, Charlotte, NC 28226
3 Month Regular, IRA & Business Certificates
$0
2.45% ▲ 0.56% above North Carolina avg
View
▼
Rate2.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average1.89%▲ 0.56% 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 14, 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%
6051 Tyvola Glen Cir, Charlotte, NC 28217
3 Month Term
$0
2.40% ▲ 0.51% above North Carolina avg
View
▼
Rate2.37%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average1.89%▲ 0.51% above avgNationally 2.09%
Details

Regular & IRA Certificates

Rate History
No change since Sep 18, 2026 · 2.40% APY · checked 7 times
1.90%2.40%2.90%Sep 18, 2026: 2.40% APYSep 18, 2026Oct 14, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
6051 Tyvola Glen Cir, Charlotte, NC 28217
Business 3 Month Term Certificate
$0
2.40% ▲ 0.51% above North Carolina avg
View
▼
Rate2.37%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average1.89%▲ 0.51% above avgNationally 2.09%
Details

Rate History
No change since Oct 14, 2026 · 2.40% APY
1.90%2.40%2.90%Oct 14, 2026: 2.40% APYOct 14, 2026Oct 14, 2026
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
100 Queens Rd, Charlotte, NC 28204
IRA Certificate - 3 Month
$500
2.40% ▲ 0.51% above North Carolina avg
View
▼
Rate2.37%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average1.89%▲ 0.51% 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 14, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
6051 Tyvola Glen Cir, Charlotte, NC 28217
3 Month Term
$0
2.34% ▲ 0.45% above North Carolina avg
View
▼
Rate2.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average1.89%▲ 0.45% above avgNationally 2.09%
Details

Regular & IRA Certificates

Rate History
No change since Sep 18, 2026 · 2.34% APY · checked 7 times
1.84%2.34%2.84%Sep 18, 2026: 2.34% APYSep 18, 2026Oct 14, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
6051 Tyvola Glen Cir, Charlotte, NC 28217
Business 3 Month Term Certificate
$0
2.34% ▲ 0.45% above North Carolina avg
View
▼
Rate2.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average1.89%▲ 0.45% above avgNationally 2.09%
Details

Rate History
No change since Oct 14, 2026 · 2.34% APY
1.84%2.34%2.84%Oct 14, 2026: 2.34% APYOct 14, 2026Oct 14, 2026
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
100 Queens Rd, Charlotte, NC 28204
3 Month Certificate
$500
2.30% ▲ 0.41% above North Carolina avg
View
▼
Rate2.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average1.89%▲ 0.41% 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 14, 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% ▲ 0.26% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average1.89%▲ 0.26% 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 14, 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% ▲ 0.26% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average1.89%▲ 0.26% 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 14, 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% ▲ 0.26% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average1.89%▲ 0.26% 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 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
1830 Galleria Blvd, Charlotte, NC 28270
Certificate of Deposit 3 Month
$500
2.00% ▲ 0.11% above North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average1.89%▲ 0.11% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 8 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 14, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
6611 Carmel Road, Charlotte, NC 28226
3 Month CD
$0
1.00% ▼ 0.89% below North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average1.89%▼ 0.89% below avgNationally 2.09%
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Sep 18, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Sep 18, 2026: 1.00% APYSep 18, 2026Oct 14, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
6611 Carmel Road, Charlotte, NC 28226
3 Month TD Choice CD
$0
1.00% ▼ 0.89% below North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average1.89%▼ 0.89% below avgNationally 2.09%
Details

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

Rate History
No change since Oct 2, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 2, 2026: 1.00% APYOct 2, 2026Oct 14, 2026
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
6821 Carnegie Blvd, Charlotte, NC 28211
3 Month Standard Rate CDs
$500
0.50% ▼ 1.39% below North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average1.89%▼ 1.39% below avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 0.50% APY · checked 5 times
0.00%0.50%1.00%Sep 18, 2026: 0.50% APYSep 18, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
4501 Park Rd, Charlotte, NC 28209
3 month Standard Fixed Rate CD - Relationship
$2,500
0.06% ▼ 1.83% below North Carolina avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average1.89%▼ 1.83% below avgNationally 2.09%
Details

Relationship Interest Rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only

Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 3 times
0.00%0.28%0.56%Sep 27, 2026: 0.06% APYSep 27, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
4501 Park Rd, Charlotte, NC 28209
3 month Standard Fixed Rate CD
$2,500
0.05% ▼ 1.84% below North Carolina avg
View
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average1.89%▼ 1.84% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only

Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 4 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2000 Randolph Rd, Charlotte, NC 28207
3 Month Certificate of Deposit
$0
0.03% ▼ 1.86% below North Carolina avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average1.89%▼ 1.86% below avgNationally 2.09%
Details

Balance: $25,000.00 and above; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2000 Randolph Rd, Charlotte, NC 28207
3 Month Certificate of Deposit
$0
0.02% ▼ 1.87% below North Carolina avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average1.89%▼ 1.87% below avgNationally 2.09%
Details

Balance: $1,000.00 - $24,999.99; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2000 Randolph Rd, Charlotte, NC 28207
3 Month Certificate of Deposit
$0
0.01% ▼ 1.88% below North Carolina avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average1.89%▼ 1.88% below avgNationally 2.09%
Details

Balance: $1.00 - $999.99; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
3 Month Certificate
$5,000
3.75% ▲ 1.86% above North Carolina avg
View
▼
Rate3.69%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average1.89%▲ 1.86% above avgNationally 2.09%
Details

IRA/HSA & Share Certificate; penalty for early withdrawal; 3 Month Certificate requires minimum deposit of $5,000; Rate = dividend rate

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 14, 2026
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
Regular Certificate 3 Month
$0
3.50% ▲ 1.61% above North Carolina avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average1.89%▲ 1.61% above avgNationally 2.09%
Details

Regular Certificates

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 14, 2026
Live Oak Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.23%
3 Month Business CD
$0
3.00% ▲ 1.11% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average1.89%▲ 1.11% above avgNationally 2.09%
Details

Rate History
No change since Oct 14, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 14, 2026: 3.00% APYOct 14, 2026Oct 14, 2026
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
3 Month Standard CDs and IRAs
$0
3.00% ▲ 1.11% above North Carolina avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average1.89%▲ 1.11% above avgNationally 2.09%
Details

Minimum opening deposit: CD - $1,000; IRA - $500; no minimum balance required after account opening to obtain disclosed APY

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 14, 2026
Revity Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.13%
3 Month Jumbo & Jumbo IRA Certificates
$50,000
2.33% ▲ 0.44% above North Carolina avg
View
▼
Rate2.30%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average1.89%▲ 0.44% 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 14, 2026
Revity Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.13%
3 Month Mini Jumbo & Mini Jumbo IRA Certificate
$10,000
2.33% ▲ 0.44% above North Carolina avg
View
▼
Rate2.30%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average1.89%▲ 0.44% 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 14, 2026
Revity Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.13%
3 Month Regular & IRA Certificates
$500
2.33% ▲ 0.44% above North Carolina avg
View
▼
Rate2.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average1.89%▲ 0.44% 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 14, 2026
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
90 Day Standard Personal Share Certificates
$0
2.02% ▲ 0.13% above North Carolina avg
View
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average1.89%▲ 0.13% 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 14, 2026
  • Oct 12, 20262.02%▲ from 1.92%
  • Sep 12, 20261.92%first recorded
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
Standard Personal Share Certificates - 90 Days
$0
1.92% ▲ 0.03% above North Carolina avg
View
▼
Rate1.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average1.89%▲ 0.03% 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 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 3 Months
$0
1.55% ▼ 0.34% below North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average1.89%▼ 0.34% below avgNationally 2.09%
Details

$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 1.55% APY
1.05%1.55%2.05%Oct 14, 2026: 1.55% APYOct 14, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 3 Months
$0
1.50% ▼ 0.39% below North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average1.89%▼ 0.39% below avgNationally 2.09%
Details

$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 1.50% APY
1.00%1.50%2.00%Oct 14, 2026: 1.50% APYOct 14, 2026Oct 14, 2026
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
3 Month Certificate
$0
1.50% ▼ 0.39% below North Carolina avg
View
▼
Rate1.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average1.89%▼ 0.39% 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 14, 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%
Share and IRA Certificates - 3 Months
$0
1.50% ▼ 0.39% below North Carolina avg
View
▼
Rate1.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average1.89%▼ 0.39% 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 14, 2026
Fort Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
3 Month Term Share Certificate - Regular Term
$500
1.00% ▼ 0.89% below North Carolina avg
View
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average1.89%▼ 0.89% 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 14, 2026
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
Business Share Certificates - 3 Month
$100,000
0.90% ▼ 0.99% below North Carolina avg
View
▼
Rate0.90%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average1.89%▼ 0.99% below avgNationally 2.09%
Details

Balance: $100,000 and over

Rate History
No change since Sep 18, 2026 · 0.90% APY · checked 6 times
0.40%0.90%1.40%Sep 18, 2026: 0.90% APYSep 18, 2026Oct 14, 2026
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
Share Certificates - 3 Month
$100,000
0.90% ▼ 0.99% below North Carolina avg
View
▼
Rate0.90%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average1.89%▼ 0.99% below avgNationally 2.09%
Details

Balance: $100,000 minimum

Rate History
No change since Sep 14, 2026 · 0.90% APY · checked 7 times
0.40%0.90%1.40%Sep 14, 2026: 0.90% APYSep 14, 2026Oct 14, 2026
Benchmark Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
Regular Time Deposits & IRAs - 3 Months - Premium
$500
0.85% ▼ 1.04% below North Carolina avg
View
▼
Rate0.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average1.89%▼ 1.04% below avgNationally 2.09%
Details

Premium Rate; call your local branch for information on qualifying; Interest is compounded quarterly; $500 minimum to open; Penalty for early withdrawal

Rate History
No change since Oct 14, 2026 · 0.85% APY
0.35%0.85%1.35%Oct 14, 2026: 0.85% APYOct 14, 2026Oct 14, 2026
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
Business Share Certificates - 3 Month
$500
0.85% ▼ 1.04% below North Carolina avg
View
▼
Rate0.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average1.89%▼ 1.04% below avgNationally 2.09%
Details

Balance: $500 - $99,999.99

Rate History
No change since Sep 18, 2026 · 0.85% APY · checked 6 times
0.35%0.85%1.35%Sep 18, 2026: 0.85% APYSep 18, 2026Oct 14, 2026
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
Share Certificates - 3 Month
$500
0.85% ▼ 1.04% below North Carolina avg
View
▼
Rate0.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average1.89%▼ 1.04% below avgNationally 2.09%
Details

Balance: $500 minimum

Rate History
No change since Sep 14, 2026 · 0.85% APY · checked 7 times
0.35%0.85%1.35%Sep 14, 2026: 0.85% APYSep 14, 2026Oct 14, 2026
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
90-Day Certificate - Premier Member
$500
0.80% ▼ 1.09% below North Carolina avg
View
▼
Rate0.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average1.89%▼ 1.09% 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 14, 2026
First Bank Strasburg, VA
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
3 Month Certificate of Deposit
$0
0.75% ▼ 1.14% below North Carolina avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average1.89%▼ 1.14% 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 14, 2026
Benchmark Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
Regular Time Deposits & IRAs - 3 Months
$500
0.60% ▼ 1.29% below North Carolina avg
View
▼
Rate0.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average1.89%▼ 1.29% below avgNationally 2.09%
Details

Interest is compounded quarterly; $500 minimum to open; Penalty for early withdrawal; Fees and other charges may reduce the quoted APY

Rate History
No change since Sep 8, 2026 · 0.60% APY · checked 9 times
0.10%0.60%1.10%Sep 8, 2026: 0.60% APYSep 8, 2026Oct 14, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
3 Month Standard CDs - Rewards
$0
0.60% ▼ 1.29% below North Carolina avg
View
▼
Rate0.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average1.89%▼ 1.29% below avgNationally 2.09%
Details

Rewards APY

Rate History
No change since Oct 14, 2026 · 0.60% APY
0.10%0.60%1.10%Oct 14, 2026: 0.60% APYOct 14, 2026Oct 14, 2026
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
90-Day Certificate - Non-premier member
$500
0.55% ▼ 1.34% below North Carolina avg
View
▼
Rate0.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average1.89%▼ 1.34% 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 14, 2026

Charlotte 6 Month CD Rates

North Carolina 6 Month CD Average2.88% APYNational 2.77%Unchanged from last week
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
6 Month Jumbo CD
$50,000
4.10% ▲ 1.22% above North Carolina avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.88%▲ 1.22% above avgNationally 2.77%
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 14, 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 Business CD
$2,500
4.10% ▲ 1.22% above North Carolina avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.88%▲ 1.22% above avgNationally 2.77%
Details

APY accurate as of 10/13/2026; Maximum deposit $10 million; Limited-time offer

Rate History
No change since Oct 14, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 14, 2026
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% ▲ 1.22% above North Carolina avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.88%▲ 1.22% above avgNationally 2.77%
Details

Short-Term Growth; Annual Percentage Yield accurate as of 10/13/2026; Limited-time offer

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 14, 2026
  • Oct 10, 20264.10%▲ from 3.70%
  • Sep 14, 20263.70%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% ▲ 1.12% above North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.88%▲ 1.12% above avgNationally 2.77%
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 14, 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% ▲ 1.12% above North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.88%▲ 1.12% above avgNationally 2.77%
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 14, 2026
  • Oct 5, 20264.00%▲ from 3.65%
  • Sep 21, 20263.65%first recorded
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.13%
4720 AIRPORT CENTER PKWY, CHARLOTTE, NC 28208
Share Term Certificates (STCs) - 6 months
$250
3.85% ▲ 0.97% above North Carolina avg
View
▼
Rate3.85%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.88%▲ 0.97% above avgNationally 2.77%
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 14, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
9605 N Tryon St Ste Q, Charlotte, NC 28262 8572
6 Month Business Jumbo Choice Certificate 6
$75,000
3.80% ▲ 0.92% above North Carolina avg
View
▼
Rate3.73%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.88%▲ 0.92% above avgNationally 2.77%
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 14, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
9605 N Tryon St Ste Q, Charlotte, NC 28262 8572
6 Month Jumbo Choice Certificate 6
$75,000
3.80% ▲ 0.92% above North Carolina avg
View
▼
Rate3.73%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.88%▲ 0.92% above avgNationally 2.77%
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 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
128 S Tryon St, Charlotte, NC 28202
Term CD - 6-Month Term
$1,000
3.75% ▲ 0.87% above North Carolina avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.88%▲ 0.87% above avgNationally 2.77%
Details

Term Certificates of Deposit (CD)

Rate History
No change since Oct 14, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 14, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
9605 N Tryon St Ste Q, Charlotte, NC 28262 8572
6 Month IRA Choice Certificate 6
$250
3.70% ▲ 0.82% above North Carolina avg
View
▼
Rate3.63%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.88%▲ 0.82% above avgNationally 2.77%
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 14, 2026
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
3130 Milton Rd, Charlotte, NC 28215
6 Month Term Certificates Jumbo
$200,000
3.40% ▲ 0.52% above North Carolina avg
View
▼
Rate3.40%
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.88%▲ 0.52% above avgNationally 2.77%
Details

$200K

Rate History
No change since Oct 14, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 14, 2026: 3.40% APYOct 14, 2026Oct 14, 2026
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
3130 Milton Rd, Charlotte, NC 28215
6 Month Term Certificates Jumbo
$100,000
3.35% ▲ 0.47% above North Carolina avg
View
▼
Rate3.35%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.88%▲ 0.47% above avgNationally 2.77%
Details

$100k

Rate History
No change since Oct 14, 2026 · 3.35% APY
2.85%3.35%3.85%Oct 14, 2026: 3.35% APYOct 14, 2026Oct 14, 2026
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
5023 Central Ave, Charlotte, NC 28205
6 Month Share Certificate Accounts
$500
3.30% ▲ 0.42% above North Carolina avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.88%▲ 0.42% above avgNationally 2.77%
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 14, 2026
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
5023 Central Ave, Charlotte, NC 28205
IRA Certificate Accounts - 6 Month
$500
3.30% ▲ 0.42% above North Carolina avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.88%▲ 0.42% above avgNationally 2.77%
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 14, 2026
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2830 Boyer St, Charlotte, NC 28208
6 Month Certificate
$500
3.25% ▲ 0.37% above North Carolina avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.88%▲ 0.37% above avgNationally 2.77%
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 14, 2026
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
3130 Milton Rd, Charlotte, NC 28215
Share Term Certificates Regular - 6 Months
$500
3.20% ▲ 0.32% above North Carolina avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.88%▲ 0.32% above avgNationally 2.77%
Details

Effective as of October 1st, 2026

Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 2 times
2.70%3.20%3.70%Sep 14, 2026: 3.20% APYSep 14, 2026Oct 14, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
6051 Tyvola Glen Cir, Charlotte, NC 28217
6 Month Term
$0
3.00% ▲ 0.12% above North Carolina avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.88%▲ 0.12% above avgNationally 2.77%
Details

Regular & IRA Certificates

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 14, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
6051 Tyvola Glen Cir, Charlotte, NC 28217
Business 6 Month Term Certificate
$0
3.00% ▲ 0.12% above North Carolina avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.88%▲ 0.12% above avgNationally 2.77%
Details

Rate History
No change since Oct 14, 2026 · 3.00% APY
2.50%3.00%3.50%Oct 14, 2026: 3.00% APYOct 14, 2026Oct 14, 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% ▲ 0.12% above North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.88%▲ 0.12% above avgNationally 2.77%
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 14, 2026
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2830 Boyer St, Charlotte, NC 28208
6 Month Certificate
$500
3.00% ▲ 0.12% above North Carolina avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.88%▲ 0.12% above avgNationally 2.77%
Details

Balance: $500.00-$49,999.99

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 14, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
6051 Tyvola Glen Cir, Charlotte, NC 28217
6 Month Term
$0
2.95% ▲ 0.07% above North Carolina avg
View
▼
Rate2.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.88%▲ 0.07% above avgNationally 2.77%
Details

Regular & IRA Certificates

Rate History
No change since Sep 18, 2026 · 2.95% APY · checked 7 times
2.45%2.95%3.45%Sep 18, 2026: 2.95% APYSep 18, 2026Oct 14, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
6051 Tyvola Glen Cir, Charlotte, NC 28217
Business 6 Month Term Certificate
$0
2.95% ▲ 0.07% above North Carolina avg
View
▼
Rate2.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.88%▲ 0.07% above avgNationally 2.77%
Details

Rate History
No change since Oct 14, 2026 · 2.95% APY
2.45%2.95%3.45%Oct 14, 2026: 2.95% APYOct 14, 2026Oct 14, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
6051 Tyvola Glen Cir, Charlotte, NC 28217
6 Month Term
$0
2.90% ▲ 0.02% above North Carolina avg
View
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.88%▲ 0.02% above avgNationally 2.77%
Details

Regular & IRA Certificates

Rate History
No change since Sep 18, 2026 · 2.90% APY · checked 7 times
2.40%2.90%3.40%Sep 18, 2026: 2.90% APYSep 18, 2026Oct 14, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
6051 Tyvola Glen Cir, Charlotte, NC 28217
Business 6 Month Term Certificate
$0
2.90% ▲ 0.02% above North Carolina avg
View
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.88%▲ 0.02% above avgNationally 2.77%
Details

Rate History
No change since Oct 14, 2026 · 2.90% APY
2.40%2.90%3.40%Oct 14, 2026: 2.90% APYOct 14, 2026Oct 14, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7521 Pineville Matthews Rd, Charlotte, NC 28226
6 Month Regular, IRA & Business Jumbo Certificates
$0
2.89% ▲ 0.01% above North Carolina avg
View
▼
Rate2.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.88%▲ 0.01% above avgNationally 2.77%
Details

Rate History
1 change since Sep 18, 2026 · 2.85% → 2.89% ▲ 0.04 pts · high 2.89% / low 2.85%
2.35%2.87%3.39%Sep 18, 2026: 2.85% APYOct 1, 2026: 2.89% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20262.89%▲ from 2.85%
  • Sep 18, 20262.85%first recorded
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
6051 Tyvola Glen Cir, Charlotte, NC 28217
6 Month Term
$0
2.84% ▼ 0.04% below North Carolina avg
View
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.88%▼ 0.04% below avgNationally 2.77%
Details

Regular & IRA Certificates

Rate History
No change since Sep 18, 2026 · 2.84% APY · checked 7 times
2.34%2.84%3.34%Sep 18, 2026: 2.84% APYSep 18, 2026Oct 14, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
6051 Tyvola Glen Cir, Charlotte, NC 28217
Business 6 Month Term Certificate
$0
2.84% ▼ 0.04% below North Carolina avg
View
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.88%▼ 0.04% below avgNationally 2.77%
Details

Rate History
No change since Oct 14, 2026 · 2.84% APY
2.34%2.84%3.34%Oct 14, 2026: 2.84% APYOct 14, 2026Oct 14, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7521 Pineville Matthews Rd, Charlotte, NC 28226
6 Month Regular, IRA & Business Junior Jumbo Certificates
$0
2.78% ▼ 0.10% below North Carolina avg
View
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.88%▼ 0.10% below avgNationally 2.77%
Details

Rate History
1 change since Sep 18, 2026 · 2.74% → 2.78% ▲ 0.04 pts · high 2.78% / low 2.74%
2.24%2.76%3.28%Sep 18, 2026: 2.74% APYOct 1, 2026: 2.78% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20262.78%▲ from 2.74%
  • Sep 18, 20262.74%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7521 Pineville Matthews Rd, Charlotte, NC 28226
6 Month Regular, IRA & Business Certificates
$0
2.68% ▼ 0.20% below North Carolina avg
View
▼
Rate2.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.88%▼ 0.20% below avgNationally 2.77%
Details

Rate History
1 change since Sep 18, 2026 · 2.64% → 2.68% ▲ 0.04 pts · high 2.68% / low 2.64%
2.14%2.66%3.18%Sep 18, 2026: 2.64% APYOct 1, 2026: 2.68% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20262.68%▲ from 2.64%
  • Sep 18, 20262.64%first recorded
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
2000 Continental Blvd, Charlotte, NC 28273
6 Month Share Certificate
$0
2.65% ▼ 0.23% below North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.88%▼ 0.23% below avgNationally 2.77%
Details

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

Rate History
No change since Oct 9, 2026 · 2.65% APY · checked 2 times
2.15%2.65%3.15%Oct 9, 2026: 2.65% APYOct 9, 2026Oct 14, 2026
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
2000 Continental Blvd, Charlotte, NC 28273
6 Month Young Certificates
$0
2.65% ▼ 0.23% below North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.88%▼ 0.23% below avgNationally 2.77%
Details

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

Rate History
No change since Sep 18, 2026 · 2.65% APY · checked 5 times
2.15%2.65%3.15%Sep 18, 2026: 2.65% APYSep 18, 2026Oct 14, 2026
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
2000 Continental Blvd, Charlotte, NC 28273
IRA Certificates - 6 Months
$0
2.65% ▼ 0.23% below North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.88%▼ 0.23% below avgNationally 2.77%
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 · 2.65% APY · checked 2 times
2.15%2.65%3.15%Sep 14, 2026: 2.65% APYSep 14, 2026Oct 14, 2026
Charlotte Fire Department Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2121 Commonwealth Ave, Charlotte, NC 28205 5100
6 Month Share Certificates
$0
2.50% ▼ 0.38% below North Carolina avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.88%▼ 0.38% below avgNationally 2.77%
Details

Balance: $2,500.00 - 24,999.00

Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 5 times
2.00%2.50%3.00%Sep 18, 2026: 2.50% APYSep 18, 2026Oct 14, 2026
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
100 Queens Rd, Charlotte, NC 28204
IRA Certificate - 6 Month
$500
2.45% ▼ 0.43% below North Carolina avg
View
▼
Rate2.42%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.88%▼ 0.43% below avgNationally 2.77%
Details

Published APY range: 2.45% - 2.65%; Published rate range: 2.42% - 2.62%. Balance: $500.00 - $250,000.00

Rate History
No change since Sep 14, 2026 · 2.45% APY · checked 8 times
1.95%2.45%2.95%Sep 14, 2026: 2.45% APYSep 14, 2026Oct 14, 2026
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
100 Queens Rd, Charlotte, NC 28204
6 Month Certificate
$500
2.35% ▼ 0.53% below North Carolina avg
View
▼
Rate2.32%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.88%▼ 0.53% below avgNationally 2.77%
Details

Published APY range: 2.35% - 2.55%; Published rate range: 2.32% - 2.52%. Balance: $500.00 - $250,000.00

Rate History
No change since Sep 14, 2026 · 2.35% APY · checked 6 times
1.85%2.35%2.85%Sep 14, 2026: 2.35% APYSep 14, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
1830 Galleria Blvd, Charlotte, NC 28270
Certificate of Deposit 6 Month
$500
2.25% ▼ 0.63% below North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.88%▼ 0.63% below avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 8 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
1830 Galleria Blvd, Charlotte, NC 28270
IRA 6 Month
$500
2.25% ▼ 0.63% below North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.88%▼ 0.63% below avgNationally 2.77%
Details

Rate History
No change since Oct 14, 2026 · 2.25% APY
1.75%2.25%2.75%Oct 14, 2026: 2.25% APYOct 14, 2026Oct 14, 2026
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
6821 Carnegie Blvd, Charlotte, NC 28211
6 Month Standard Rate CDs
$500
1.75% ▼ 1.13% below North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.88%▼ 1.13% below avgNationally 2.77%
Details

Rate History
No change since Sep 18, 2026 · 1.75% APY · checked 5 times
1.25%1.75%2.25%Sep 18, 2026: 1.75% APYSep 18, 2026Oct 14, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
6611 Carmel Road, Charlotte, NC 28226
TD Choice CD 6 Month
$0
1.00% ▼ 1.88% below North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.88%▼ 1.88% below avgNationally 2.77%
Details

Non-Promotional TD Choice CD; Balance: $250.00 - $9,999.99

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
4501 Park Rd, Charlotte, NC 28209
6 month Standard Fixed Rate CD - Relationship
$2,500
0.06% ▼ 2.82% below North Carolina avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.88%▼ 2.82% below avgNationally 2.77%
Details

Relationship Interest Rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only

Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 3 times
0.00%0.28%0.56%Sep 27, 2026: 0.06% APYSep 27, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
4501 Park Rd, Charlotte, NC 28209
6 month Standard Fixed Rate CD
$2,500
0.05% ▼ 2.83% below North Carolina avg
View
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.88%▼ 2.83% below avgNationally 2.77%
Details

Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only

Rate History
No change since Sep 27, 2026 · 0.05% APY · checked 3 times
0.00%0.28%0.55%Sep 27, 2026: 0.05% APYSep 27, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2000 Randolph Rd, Charlotte, NC 28207
6 Month Certificate of Deposit
$0
0.03% ▼ 2.85% below North Carolina avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.88%▼ 2.85% below avgNationally 2.77%
Details

Balance: $25,000.00 and above; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2000 Randolph Rd, Charlotte, NC 28207
IRA CD - 6 Months
$250
0.03% ▼ 2.85% below North Carolina avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.88%▼ 2.85% below avgNationally 2.77%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2000 Randolph Rd, Charlotte, NC 28207
6 Month Certificate of Deposit
$0
0.02% ▼ 2.86% below North Carolina avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.88%▼ 2.86% below avgNationally 2.77%
Details

Balance: $1,000.00 - $24,999.99; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2000 Randolph Rd, Charlotte, NC 28207
IRA CD - 6 Months
$250
0.02% ▼ 2.86% below North Carolina avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.88%▼ 2.86% below avgNationally 2.77%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2000 Randolph Rd, Charlotte, NC 28207
6 Month Certificate of Deposit
$0
0.01% ▼ 2.87% below North Carolina avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.88%▼ 2.87% below avgNationally 2.77%
Details

Balance: $1.00 - $999.99; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2000 Randolph Rd, Charlotte, NC 28207
IRA CD - 6 Months
$250
0.01% ▼ 2.87% below North Carolina avg
View
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.88%▼ 2.87% below avgNationally 2.77%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
Live Oak Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.23%
6 Month Business CD
$0
4.20% ▲ 1.32% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.88%▲ 1.32% above avgNationally 2.77%
Details

Rate History
No change since Oct 14, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 14, 2026: 4.20% APYOct 14, 2026Oct 14, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
6 Month Certificate
$500
4.10% ▲ 1.22% above North Carolina avg
View
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.88%▲ 1.22% above avgNationally 2.77%
Details

IRA/HSA & Share Certificate; penalty for early withdrawal; minimum deposit $500 to open and earn dividends; 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 14, 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%
6 Month Share Certificate
$500
4.02% ▲ 1.14% above North Carolina avg
View
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.88%▲ 1.14% above avgNationally 2.77%
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 14, 2026
  • Oct 13, 20264.02%▲ from 3.56%
  • Sep 14, 20263.56%first recorded

Charlotte 12 Month CD Rates

North Carolina 12 Month CD Average3.14% APYNational 2.99%▲ 0.03% from last week
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%
6051 Tyvola Glen Cir, Charlotte, NC 28217
Limited-Time 12 Month Term
$0
5.00% ▲ 1.86% above North Carolina avg
View
▼
Rate4.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.14%▲ 1.86% above avgNationally 2.99%
Details

Regular & IRA Certificates; new external funds required

Rate History
No change since Oct 14, 2026 · 5.00% APY
4.50%5.00%5.50%Oct 14, 2026: 5.00% APYOct 14, 2026Oct 14, 2026
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2830 Boyer St, Charlotte, NC 28208
12 Month Special Limited Term Certificate
$5,000
5.00% ▲ 1.86% above North Carolina avg
View
▼
Rate4.88%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.14%▲ 1.86% 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 14, 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% ▲ 1.21% above North Carolina avg
View
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.14%▲ 1.21% 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 14, 2026
  • Oct 5, 20264.35%▲ from 4.00%
  • Sep 21, 20264.00%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 Business CD
$500
4.30% ▲ 1.16% above North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.14%▲ 1.16% above avgNationally 2.99%
Details

APY accurate as of 10/13/2026; Maximum deposit $10 million; Limited-time offer

Rate History
No change since Oct 14, 2026 · 4.30% APY
3.80%4.30%4.80%Oct 14, 2026: 4.30% APYOct 14, 2026Oct 14, 2026
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% ▲ 1.16% above North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.14%▲ 1.16% above avgNationally 2.99%
Details

Top Rate; Annual Percentage Yield accurate as of 10/13/2026; Not available for public units or Business CDs; Limited-time offer

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 14, 2026
  • Oct 10, 20264.30%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
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% ▲ 1.06% above North Carolina avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.14%▲ 1.06% 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 14, 2026
  • Oct 5, 20264.20%▲ from 3.85%
  • Sep 21, 20263.85%first recorded
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
9605 N Tryon St Ste Q, Charlotte, NC 28262 8572
12 Month Business Jumbo Choice Certificate 12
$75,000
4.10% ▲ 0.96% above North Carolina avg
View
▼
Rate4.02%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.14%▲ 0.96% 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 14, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
9605 N Tryon St Ste Q, Charlotte, NC 28262 8572
12 Month Jumbo Choice Certificate 12
$75,000
4.10% ▲ 0.96% above North Carolina avg
View
▼
Rate4.02%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.14%▲ 0.96% 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 14, 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% ▲ 0.96% above North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.14%▲ 0.96% 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 14, 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% ▲ 0.96% above North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.14%▲ 0.96% 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 14, 2026
  • Oct 5, 20264.10%▲ from 3.75%
  • Sep 21, 20263.75%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% ▲ 0.92% above North Carolina avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.14%▲ 0.92% 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 14, 2026
Mechanics & Farmers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
101 Beatties Ford Rd, Charlotte, NC 28216
12-Month CD
$0
4.01% ▲ 0.87% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average3.14%▲ 0.87% 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 14, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
9605 N Tryon St Ste Q, Charlotte, NC 28262 8572
12 Month IRA Choice Certificate 12
$250
4.00% ▲ 0.86% above North Carolina avg
View
▼
Rate3.92%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.14%▲ 0.86% 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 14, 2026
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.13%
4720 AIRPORT CENTER PKWY, CHARLOTTE, NC 28208
Share Term Certificates (STCs) - 12 months
$250
4.00% ▲ 0.86% above North Carolina avg
View
▼
Rate4.00%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.14%▲ 0.86% 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 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
128 S Tryon St, Charlotte, NC 28202
Term CD - 1-Year Term
$1,000
4.00% ▲ 0.86% above North Carolina avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.14%▲ 0.86% above avgNationally 2.99%
Details

Term Certificates of Deposit (CD)

Rate History
No change since Oct 14, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 14, 2026
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
5023 Central Ave, Charlotte, NC 28205
12 Month Share Certificate Accounts
$500
3.92% ▲ 0.78% above North Carolina avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.14%▲ 0.78% 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 14, 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%
5023 Central Ave, Charlotte, NC 28205
IRA Certificate Accounts - 12 Month
$500
3.92% ▲ 0.78% above North Carolina avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.14%▲ 0.78% 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 14, 2026
  • Oct 9, 20263.92%▲ from 3.66%
  • Sep 14, 20263.66%first recorded
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% ▲ 0.66% above North Carolina avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.14%▲ 0.66% 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 14, 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% ▲ 0.66% above North Carolina avg
View
▼
Rate3.75%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.14%▲ 0.66% 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 14, 2026
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
3130 Milton Rd, Charlotte, NC 28215
12 Month Term Certificates Jumbo
$200,000
3.70% ▲ 0.56% above North Carolina avg
View
▼
Rate3.70%
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.14%▲ 0.56% above avgNationally 2.99%
Details

$200K

Rate History
No change since Oct 14, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 14, 2026: 3.70% APYOct 14, 2026Oct 14, 2026
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
3130 Milton Rd, Charlotte, NC 28215
12 Month Term Certificates Jumbo
$100,000
3.65% ▲ 0.51% above North Carolina avg
View
▼
Rate3.65%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.14%▲ 0.51% above avgNationally 2.99%
Details

$100k

Rate History
No change since Oct 14, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 14, 2026: 3.65% APYOct 14, 2026Oct 14, 2026
Paramount Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
8305 University Executive Park Dr, Charlotte, NC 28262
CD & IRA - 12 Months
$1,000
3.50% ▲ 0.36% above North Carolina avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average3.14%▲ 0.36% above avgNationally 2.99%
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 14, 2026
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
6502 McMahan Dr, Charlotte, NC 28226
12 Month Term Certificate
$500
3.50% ▲ 0.36% above North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.14%▲ 0.36% above avgNationally 2.99%
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 14, 2026
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
2000 Continental Blvd, Charlotte, NC 28273
12 Month Share Certificate
$0
3.50% ▲ 0.36% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.14%▲ 0.36% above avgNationally 2.99%
Details

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

Rate History
No change since Oct 9, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 9, 2026: 3.50% APYOct 9, 2026Oct 14, 2026
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
2000 Continental Blvd, Charlotte, NC 28273
12 Month Young Certificates
$0
3.50% ▲ 0.36% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.14%▲ 0.36% above avgNationally 2.99%
Details

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

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 14, 2026
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
2000 Continental Blvd, Charlotte, NC 28273
IRA Certificates - 12 Months
$0
3.50% ▲ 0.36% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.14%▲ 0.36% above avgNationally 2.99%
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 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Charlotte Fire Department Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2121 Commonwealth Ave, Charlotte, NC 28205 5100
12 Month Share Certificates
$0
3.50% ▲ 0.36% above North Carolina avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.14%▲ 0.36% above avgNationally 2.99%
Details

Balance: $2,500.00 - 24,999.00

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 14, 2026
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
3130 Milton Rd, Charlotte, NC 28215
Share Term Certificates Regular - 12 Months
$500
3.50% ▲ 0.36% above North Carolina avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.14%▲ 0.36% above avgNationally 2.99%
Details

Effective as of October 1st, 2026

Rate History
1 change since Sep 14, 2026 · 3.40% → 3.50% ▲ 0.10 pts · high 3.50% / low 3.40%
2.90%3.45%4.00%Sep 14, 2026: 3.40% APYOct 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
  • Oct 14, 20263.50%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
214 N Tryon St, Charlotte, NC 28202
CD - 12-Month Special Rate
$0
3.25% ▲ 0.11% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.14%▲ 0.11% above avgNationally 2.99%
Details

Balance: $100,000 and above; special rate on select new CD accounts; Balance builds toward Truist One Checking perks

Rate History
No change since Oct 14, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 14, 2026: 3.25% APYOct 14, 2026Oct 14, 2026
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
100 Queens Rd, Charlotte, NC 28204
IRA Certificate - 12 Month
$500
3.25% ▲ 0.11% above North Carolina avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.14%▲ 0.11% above avgNationally 2.99%
Details

Published APY range: 3.25% - 3.45%; Published rate range: 3.20% - 3.39%. Balance: $500.00 - $250,000.00

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 8 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2830 Boyer St, Charlotte, NC 28208
12 Month Certificate
$500
3.25% ▲ 0.11% above North Carolina avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.14%▲ 0.11% above avgNationally 2.99%
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 14, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7521 Pineville Matthews Rd, Charlotte, NC 28226
1 Year Regular, IRA & Business Jumbo Certificates
$0
3.17% ▲ 0.03% above North Carolina avg
View
▼
Rate3.12%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.14%▲ 0.03% above avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 3.02% → 3.17% ▲ 0.15 pts · high 3.17% / low 3.02%
2.52%3.09%3.67%Sep 18, 2026: 3.02% APYOct 1, 2026: 3.17% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20263.17%▲ from 3.02%
  • Sep 18, 20263.02%first recorded
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
6051 Tyvola Glen Cir, Charlotte, NC 28217
12 Month Term
$0
3.15% ▲ 0.01% above North Carolina avg
View
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.14%▲ 0.01% above avgNationally 2.99%
Details

Regular & IRA Certificates

Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 7 times
2.65%3.15%3.65%Sep 18, 2026: 3.15% APYSep 18, 2026Oct 14, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
6051 Tyvola Glen Cir, Charlotte, NC 28217
Business 12 Month Term Certificate
$0
3.15% ▲ 0.01% above North Carolina avg
View
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.14%▲ 0.01% above avgNationally 2.99%
Details

Rate History
No change since Oct 14, 2026 · 3.15% APY
2.65%3.15%3.65%Oct 14, 2026: 3.15% APYOct 14, 2026Oct 14, 2026
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
100 Queens Rd, Charlotte, NC 28204
12 Month Certificate
$500
3.15% ▲ 0.01% above North Carolina avg
View
▼
Rate3.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.14%▲ 0.01% above avgNationally 2.99%
Details

Published APY range: 3.15% - 3.35%; Published rate range: 3.10% - 3.30%. Balance: $500.00 - $250,000.00

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 6 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Oct 14, 2026
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2830 Boyer St, Charlotte, NC 28208
12 Month Certificate
$500
3.15% ▲ 0.01% above North Carolina avg
View
▼
Rate3.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.14%▲ 0.01% above avgNationally 2.99%
Details

Balance: $500.00-$49,999.99

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 4 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Oct 14, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
6051 Tyvola Glen Cir, Charlotte, NC 28217
12 Month Term
$0
3.10% ▼ 0.04% below North Carolina avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.14%▼ 0.04% below avgNationally 2.99%
Details

Regular & IRA Certificates

Rate History
No change since Sep 18, 2026 · 3.10% APY · checked 7 times
2.60%3.10%3.60%Sep 18, 2026: 3.10% APYSep 18, 2026Oct 14, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
6051 Tyvola Glen Cir, Charlotte, NC 28217
Business 12 Month Term Certificate
$0
3.10% ▼ 0.04% below North Carolina avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.14%▼ 0.04% below avgNationally 2.99%
Details

Rate History
No change since Oct 14, 2026 · 3.10% APY
2.60%3.10%3.60%Oct 14, 2026: 3.10% APYOct 14, 2026Oct 14, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7521 Pineville Matthews Rd, Charlotte, NC 28226
1 Year Regular, IRA & Business Junior Jumbo Certificates
$0
3.06% ▼ 0.08% below North Carolina avg
View
▼
Rate3.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.14%▼ 0.08% below avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 2.92% → 3.06% ▲ 0.14 pts · high 3.06% / low 2.92%
2.42%2.99%3.56%Sep 18, 2026: 2.92% APYOct 1, 2026: 3.06% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20263.06%▲ from 2.92%
  • Sep 18, 20262.92%first recorded
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
6051 Tyvola Glen Cir, Charlotte, NC 28217
12 Month Term
$0
3.05% ▼ 0.09% below North Carolina avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.14%▼ 0.09% below avgNationally 2.99%
Details

Regular & IRA Certificates

Rate History
No change since Sep 18, 2026 · 3.05% APY · checked 7 times
2.55%3.05%3.55%Sep 18, 2026: 3.05% APYSep 18, 2026Oct 14, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
6051 Tyvola Glen Cir, Charlotte, NC 28217
Business 12 Month Term Certificate
$0
3.05% ▼ 0.09% below North Carolina avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.14%▼ 0.09% below avgNationally 2.99%
Details

Rate History
No change since Oct 14, 2026 · 3.05% APY
2.55%3.05%3.55%Oct 14, 2026: 3.05% APYOct 14, 2026Oct 14, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
6051 Tyvola Glen Cir, Charlotte, NC 28217
12 Month Term
$0
2.99% ▼ 0.15% below North Carolina avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.14%▼ 0.15% below avgNationally 2.99%
Details

Regular & IRA Certificates

Rate History
No change since Sep 18, 2026 · 2.99% APY · checked 7 times
2.49%2.99%3.49%Sep 18, 2026: 2.99% APYSep 18, 2026Oct 14, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
6051 Tyvola Glen Cir, Charlotte, NC 28217
Business 12 Month Term Certificate
$0
2.99% ▼ 0.15% below North Carolina avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.14%▼ 0.15% below avgNationally 2.99%
Details

Rate History
No change since Oct 14, 2026 · 2.99% APY
2.49%2.99%3.49%Oct 14, 2026: 2.99% APYOct 14, 2026Oct 14, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7521 Pineville Matthews Rd, Charlotte, NC 28226
1 Year Dinero Teens Starter Certificate
$0
2.96% ▼ 0.18% below North Carolina avg
View
▼
Rate2.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.14%▼ 0.18% below avgNationally 2.99%
Details

Rate History
1 change since Sep 22, 2026 · 2.82% → 2.96% ▲ 0.14 pts · high 2.96% / low 2.82%
2.32%2.89%3.46%Sep 22, 2026: 2.82% APYOct 1, 2026: 2.96% APYSep 22, 2026Oct 14, 2026
  • Oct 1, 20262.96%▲ from 2.82%
  • Sep 22, 20262.82%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7521 Pineville Matthews Rd, Charlotte, NC 28226
1 Year Money Musketeers Starter Certificate
$0
2.96% ▼ 0.18% below North Carolina avg
View
▼
Rate2.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.14%▼ 0.18% below avgNationally 2.99%
Details

Rate History
1 change since Sep 22, 2026 · 2.82% → 2.96% ▲ 0.14 pts · high 2.96% / low 2.82%
2.32%2.89%3.46%Sep 22, 2026: 2.82% APYOct 1, 2026: 2.96% APYSep 22, 2026Oct 14, 2026
  • Oct 1, 20262.96%▲ from 2.82%
  • Sep 22, 20262.82%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7521 Pineville Matthews Rd, Charlotte, NC 28226
1 Year Regular, IRA & Business Certificates
$0
2.96% ▼ 0.18% below North Carolina avg
View
▼
Rate2.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.14%▼ 0.18% below avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 2.82% → 2.96% ▲ 0.14 pts · high 2.96% / low 2.82%
2.32%2.89%3.46%Sep 18, 2026: 2.82% APYOct 1, 2026: 2.96% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20262.96%▲ from 2.82%
  • Sep 18, 20262.82%first recorded
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
128 S Tryon St, Charlotte, NC 28202
12 Month Certificate of Deposit
$500
2.00% ▼ 1.14% below North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.14%▼ 1.14% below avgNationally 2.99%
Details

CD yields may vary depending on your area. Contact your local branch for details.

Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 5 times
1.50%2.00%2.50%Sep 18, 2026: 2.00% APYSep 18, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
1830 Galleria Blvd, Charlotte, NC 28270
Certificate of Deposit 1 Year
$500
2.00% ▼ 1.14% below North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.14%▼ 1.14% below avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 8 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
1830 Galleria Blvd, Charlotte, NC 28270
IRA 1 Year
$500
2.00% ▼ 1.14% below North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.14%▼ 1.14% below avgNationally 2.99%
Details

Rate History
No change since Oct 14, 2026 · 2.00% APY
1.50%2.00%2.50%Oct 14, 2026: 2.00% APYOct 14, 2026Oct 14, 2026
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
6821 Carnegie Blvd, Charlotte, NC 28211
1 Year Standard Rate CDs
$500
2.00% ▼ 1.14% below North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.14%▼ 1.14% below avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 5 times
1.50%2.00%2.50%Sep 18, 2026: 2.00% APYSep 18, 2026Oct 14, 2026

Charlotte 18 Month CD Rates

North Carolina 18 Month CD Average3.03% APYNational 2.88%▲ 0.03% from last week
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
18 Month Jumbo CD
$50,000
4.45% ▲ 1.42% above North Carolina avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.03%▲ 1.42% above avgNationally 2.88%
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 14, 2026
  • Oct 13, 20264.45%▲ from 4.25%
  • Oct 5, 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
18 Month Regular CD
$500
4.35% ▲ 1.32% above North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.03%▲ 1.32% above avgNationally 2.88%
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 14, 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%
4720 AIRPORT CENTER PKWY, CHARLOTTE, NC 28208
Share Term Certificates (STCs) - 18 months
$250
4.30% ▲ 1.27% above North Carolina avg
View
▼
Rate4.30%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.03%▲ 1.27% 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 14, 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% ▲ 1.22% above North Carolina avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.03%▲ 1.22% above avgNationally 2.88%
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 14, 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% ▲ 1.22% above North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.03%▲ 1.22% above avgNationally 2.88%
Details

Balanced Growth; Annual Percentage Yield accurate as of 10/13/2026; Not available for public units or Business CDs; Limited time offer

Rate History
No change since Oct 10, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 10, 2026: 4.25% APYOct 10, 2026Oct 14, 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% ▲ 1.12% above North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.03%▲ 1.12% above avgNationally 2.88%
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 14, 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% ▲ 1.12% above North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.03%▲ 1.12% above avgNationally 2.88%
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 14, 2026
  • Oct 5, 20264.15%▲ from 3.80%
  • Sep 21, 20263.80%first recorded
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
9605 N Tryon St Ste Q, Charlotte, NC 28262 8572
18 Month Business Jumbo Choice Certificate 18
$75,000
4.10% ▲ 1.07% above North Carolina avg
View
▼
Rate4.02%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.03%▲ 1.07% 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 14, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
9605 N Tryon St Ste Q, Charlotte, NC 28262 8572
18 Month Jumbo Choice Certificate 18
$75,000
4.10% ▲ 1.07% above North Carolina avg
View
▼
Rate4.02%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.03%▲ 1.07% 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 14, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
9605 N Tryon St Ste Q, Charlotte, NC 28262 8572
12 - 18 Month Business Choice Certificate 18
$500
4.00% ▲ 0.97% above North Carolina avg
View
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.03%▲ 0.97% above avgNationally 2.88%
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 14, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
9605 N Tryon St Ste Q, Charlotte, NC 28262 8572
12 - 18 Month Choice Certificate 18
$250
4.00% ▲ 0.97% above North Carolina avg
View
▼
Rate3.92%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.03%▲ 0.97% above avgNationally 2.88%
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 14, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
9605 N Tryon St Ste Q, Charlotte, NC 28262 8572
18 Month IRA Choice Certificate 18
$250
4.00% ▲ 0.97% above North Carolina avg
View
▼
Rate3.92%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.03%▲ 0.97% above avgNationally 2.88%
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 14, 2026
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
3130 Milton Rd, Charlotte, NC 28215
18 Month Term Certificates Jumbo
$200,000
3.75% ▲ 0.72% above North Carolina avg
View
▼
Rate3.75%
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.03%▲ 0.72% above avgNationally 2.88%
Details

$200K

Rate History
No change since Oct 14, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 14, 2026
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
3130 Milton Rd, Charlotte, NC 28215
18 Month Term Certificates Jumbo
$100,000
3.70% ▲ 0.67% above North Carolina avg
View
▼
Rate3.70%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.03%▲ 0.67% above avgNationally 2.88%
Details

$100k

Rate History
No change since Oct 14, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 14, 2026: 3.70% APYOct 14, 2026Oct 14, 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% ▲ 0.52% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.03%▲ 0.52% above avgNationally 2.88%
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 14, 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% ▲ 0.52% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.03%▲ 0.52% above avgNationally 2.88%
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 14, 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% ▲ 0.52% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.03%▲ 0.52% above avgNationally 2.88%
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 14, 2026
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
3130 Milton Rd, Charlotte, NC 28215
Share Term Certificates Regular - 18 Months
$500
3.55% ▲ 0.52% above North Carolina avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.03%▲ 0.52% above avgNationally 2.88%
Details

Effective as of October 1st, 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 14, 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% ▲ 0.47% above North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.03%▲ 0.47% above avgNationally 2.88%
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 14, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7521 Pineville Matthews Rd, Charlotte, NC 28226
18 Month Regular, IRA & Business Jumbo Certificates
$0
3.49% ▲ 0.46% above North Carolina avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.03%▲ 0.46% above avgNationally 2.88%
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 14, 2026
  • Oct 1, 20263.49%▲ from 3.28%
  • Sep 18, 20263.28%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7521 Pineville Matthews Rd, Charlotte, NC 28226
18 Month Regular, IRA & Business Junior Jumbo Certificates
$0
3.39% ▲ 0.36% above North Carolina avg
View
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.03%▲ 0.36% above avgNationally 2.88%
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 14, 2026
  • Oct 1, 20263.39%▲ from 3.18%
  • Sep 18, 20263.18%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7521 Pineville Matthews Rd, Charlotte, NC 28226
18 Month Regular, IRA & Business Certificates
$0
3.29% ▲ 0.26% above North Carolina avg
View
▼
Rate3.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.03%▲ 0.26% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.07% → 3.29% ▲ 0.22 pts · high 3.29% / low 3.07%
2.57%3.18%3.79%Sep 18, 2026: 3.07% APYOct 1, 2026: 3.29% APYSep 18, 2026Oct 14, 2026
  • Oct 1, 20263.29%▲ from 3.07%
  • Sep 18, 20263.07%first recorded
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2830 Boyer St, Charlotte, NC 28208
18 Month Certificate
$500
3.25% ▲ 0.22% above North Carolina avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.03%▲ 0.22% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
6051 Tyvola Glen Cir, Charlotte, NC 28217
18 Month Term
$0
3.20% ▲ 0.17% above North Carolina avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.03%▲ 0.17% above avgNationally 2.88%
Details

Regular & IRA Certificates

Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 7 times
2.70%3.20%3.70%Sep 18, 2026: 3.20% APYSep 18, 2026Oct 14, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
6051 Tyvola Glen Cir, Charlotte, NC 28217
18 Month Term
$0
3.15% ▲ 0.12% above North Carolina avg
View
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.03%▲ 0.12% above avgNationally 2.88%
Details

Regular & IRA Certificates

Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 7 times
2.65%3.15%3.65%Sep 18, 2026: 3.15% APYSep 18, 2026Oct 14, 2026
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
100 Queens Rd, Charlotte, NC 28204
IRA Certificate - 18 Month
$500
3.15% ▲ 0.12% above North Carolina avg
View
▼
Rate3.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.03%▲ 0.12% above avgNationally 2.88%
Details

Published APY range: 3.15% - 3.35%; Published rate range: 3.10% - 3.30%. Balance: $500.00 - $250,000.00

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 8 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Oct 14, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
6051 Tyvola Glen Cir, Charlotte, NC 28217
18 Month Term
$0
3.10% ▲ 0.07% above North Carolina avg
View
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.03%▲ 0.07% above avgNationally 2.88%
Details

Regular & IRA Certificates

Rate History
No change since Sep 18, 2026 · 3.10% APY · checked 7 times
2.60%3.10%3.60%Sep 18, 2026: 3.10% APYSep 18, 2026Oct 14, 2026
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
100 Queens Rd, Charlotte, NC 28204
18 Month Certificate
$500
3.05% ▲ 0.02% above North Carolina avg
View
▼
Rate3.01%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.03%▲ 0.02% above avgNationally 2.88%
Details

Published APY range: 3.05% - 3.25%; Published rate range: 3.01% - 3.20%. Balance: $500.00 - $250,000.00

Rate History
No change since Sep 14, 2026 · 3.05% APY · checked 6 times
2.55%3.05%3.55%Sep 14, 2026: 3.05% APYSep 14, 2026Oct 14, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
6051 Tyvola Glen Cir, Charlotte, NC 28217
18 Month Term
$0
3.04% ▲ 0.01% above North Carolina avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.03%▲ 0.01% above avgNationally 2.88%
Details

Regular & IRA Certificates

Rate History
No change since Sep 18, 2026 · 3.04% APY · checked 7 times
2.54%3.04%3.54%Sep 18, 2026: 3.04% APYSep 18, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
128 S Tryon St, Charlotte, NC 28202
Term CD - 18-Month Term
$1,000
2.75% ▼ 0.28% below North Carolina avg
View
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.03%▼ 0.28% below avgNationally 2.88%
Details

Term Certificates of Deposit (CD)

Rate History
No change since Oct 14, 2026 · 2.75% APY
2.25%2.75%3.25%Oct 14, 2026: 2.75% APYOct 14, 2026Oct 14, 2026
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
6821 Carnegie Blvd, Charlotte, NC 28211
18 Month Standard Rate CDs
$500
1.80% ▼ 1.23% below North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.03%▼ 1.23% below avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 1.80% APY · checked 5 times
1.30%1.80%2.30%Sep 18, 2026: 1.80% APYSep 18, 2026Oct 14, 2026
Paramount Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
8305 University Executive Park Dr, Charlotte, NC 28262
CD & IRA - 18 Months
$1,000
1.80% ▼ 1.23% below North Carolina avg
View
▼
Rate1.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average3.03%▼ 1.23% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 1.80% APY · checked 7 times
1.30%1.80%2.30%Sep 14, 2026: 1.80% APYSep 14, 2026Oct 14, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
6611 Carmel Road, Charlotte, NC 28226
Non-Promotional TD Choice CD - 18 Month
$0
1.00% ▼ 2.03% below North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.03%▼ 2.03% below avgNationally 2.88%
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Oct 14, 2026 · 1.00% APY
0.50%1.00%1.50%Oct 14, 2026: 1.00% APYOct 14, 2026Oct 14, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
6611 Carmel Road, Charlotte, NC 28226
TD Choice CD 18 Month
$250
1.00% ▼ 2.03% below North Carolina avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.03%▼ 2.03% below avgNationally 2.88%
Details

Non-Promotional; Balance: $250.00 - $9,999.99

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2000 Randolph Rd, Charlotte, NC 28207
18 Month Certificate of Deposit
$0
0.03% ▼ 3.00% below North Carolina avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.03%▼ 3.00% below avgNationally 2.88%
Details

Balance: $25,000.00 and above; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2000 Randolph Rd, Charlotte, NC 28207
IRA CD - 18 Months
$250
0.03% ▼ 3.00% below North Carolina avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.03%▼ 3.00% below avgNationally 2.88%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2000 Randolph Rd, Charlotte, NC 28207
18 Month Certificate of Deposit
$0
0.02% ▼ 3.01% below North Carolina avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.03%▼ 3.01% below avgNationally 2.88%
Details

Balance: $1,000.00 - $24,999.99; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2000 Randolph Rd, Charlotte, NC 28207
IRA CD - 18 Months
$250
0.02% ▼ 3.01% below North Carolina avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.03%▼ 3.01% below avgNationally 2.88%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
128 S Tryon St, Charlotte, NC 28202
18 Month Certificate of Deposit
$500
0.02% ▼ 3.01% below North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.03%▼ 3.01% below avgNationally 2.88%
Details

CD yields may vary depending on your area. Contact your local branch for details.

Rate History
No change since Sep 18, 2026 · 0.02% APY · checked 5 times
0.00%0.26%0.52%Sep 18, 2026: 0.02% APYSep 18, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2000 Randolph Rd, Charlotte, NC 28207
18 Month Certificate of Deposit
$0
0.01% ▼ 3.02% below North Carolina avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.03%▼ 3.02% below avgNationally 2.88%
Details

Balance: $1.00 - $999.99; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2000 Randolph Rd, Charlotte, NC 28207
IRA CD - 18 Months
$250
0.01% ▼ 3.02% below North Carolina avg
View
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.03%▼ 3.02% below avgNationally 2.88%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.95%
18 Month Share Certificate
$500
4.49% ▲ 1.46% above North Carolina avg
View
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.03%▲ 1.46% 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 14, 2026
  • Oct 13, 20264.49%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
18 Month Certificate
$500
4.40% ▲ 1.37% above North Carolina avg
View
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.03%▲ 1.37% above avgNationally 2.88%
Details

IRA/HSA & Share Certificate; penalty for early withdrawal; minimum deposit $500 to open and earn dividends; 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 14, 2026
  • Sep 27, 20264.40%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
Live Oak Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.23%
18 Month Business CD
$0
4.20% ▲ 1.17% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.03%▲ 1.17% above avgNationally 2.88%
Details

Rate History
No change since Oct 14, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 14, 2026: 4.20% APYOct 14, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.15% ▲ 1.12% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.03%▲ 1.12% above avgNationally 2.88%
Details

$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 14, 2026: 4.15% APYOct 14, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.10% ▲ 1.07% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.03%▲ 1.07% above avgNationally 2.88%
Details

$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 14, 2026
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
18-Month Certificate
$250
4.10% ▲ 1.07% above North Carolina avg
View
▼
Rate4.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.03%▲ 1.07% above avgNationally 2.88%
Details

Effective 06/22/2026

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 14, 2026
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
IRA Share Certificate (18 Month)
$500
3.90% ▲ 0.87% above North Carolina avg
View
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.03%▲ 0.87% 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 14, 2026
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
18 Month Standard Personal Share Certificates
$0
3.87% ▲ 0.84% above North Carolina avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average3.03%▲ 0.84% 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 14, 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%
Standard Personal Share Certificates - 18 Months
$10,000
3.87% ▲ 0.84% above North Carolina avg
View
▼
Rate3.80%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average3.03%▲ 0.84% 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 14, 2026
  • Oct 12, 20263.87%▲ from 3.66%
  • Sep 12, 20263.66%first recorded

Charlotte 24 Month CD Rates

North Carolina 24 Month CD Average3.12% APYNational 2.88%▲ 0.01% from last week
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
24 Month Elite Jumbo CD
$250,000
4.45% ▲ 1.33% above North Carolina avg
View
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.12%▲ 1.33% 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 14, 2026
  • Oct 5, 20264.45%▲ from 4.10%
  • Sep 21, 20264.10%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% ▲ 1.18% above North Carolina avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.12%▲ 1.18% 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 14, 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%
4720 AIRPORT CENTER PKWY, CHARLOTTE, NC 28208
Share Term Certificates (STCs) - 24 months
$250
4.30% ▲ 1.18% above North Carolina avg
View
▼
Rate4.30%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.12%▲ 1.18% 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 14, 2026
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% ▲ 1.13% above North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.12%▲ 1.13% above avgNationally 2.88%
Details

Long-Term Security; Annual Percentage Yield accurate as of 10/13/2026; Not available for public units or Business CDs; Limited-time offer

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 14, 2026
  • Oct 10, 20264.25%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
9605 N Tryon St Ste Q, Charlotte, NC 28262 8572
24 Month Business Jumbo Choice Certificate 24
$75,000
4.20% ▲ 1.08% above North Carolina avg
View
▼
Rate4.12%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.12%▲ 1.08% 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 14, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
9605 N Tryon St Ste Q, Charlotte, NC 28262 8572
24 Month Jumbo Choice Certificate 24
$75,000
4.20% ▲ 1.08% above North Carolina avg
View
▼
Rate4.12%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.12%▲ 1.08% 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 14, 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% ▲ 1.08% above North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.12%▲ 1.08% 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 14, 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% ▲ 1.08% above North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.12%▲ 1.08% 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 14, 2026
  • Oct 5, 20264.20%▲ from 3.85%
  • Sep 21, 20263.85%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% ▲ 0.99% above North Carolina avg
View
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.12%▲ 0.99% 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 14, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
9605 N Tryon St Ste Q, Charlotte, NC 28262 8572
19 - 24 Month Business Choice Certificate 24
$500
4.10% ▲ 0.98% above North Carolina avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.12%▲ 0.98% 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 14, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
9605 N Tryon St Ste Q, Charlotte, NC 28262 8572
19 - 24 Month Choice Certificate 24
$250
4.10% ▲ 0.98% above North Carolina avg
View
▼
Rate4.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.12%▲ 0.98% 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 14, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
9605 N Tryon St Ste Q, Charlotte, NC 28262 8572
24 Month IRA Choice Certificate 24
$250
4.10% ▲ 0.98% above North Carolina avg
View
▼
Rate4.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.12%▲ 0.98% 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 14, 2026
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
5023 Central Ave, Charlotte, NC 28205
24 Month Share Certificate Accounts
$500
4.07% ▲ 0.95% above North Carolina avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.12%▲ 0.95% 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 14, 2026
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
5023 Central Ave, Charlotte, NC 28205
IRA Certificate Accounts - 24 Month
$500
4.07% ▲ 0.95% above North Carolina avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.12%▲ 0.95% 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 14, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7521 Pineville Matthews Rd, Charlotte, NC 28226
2 Year Regular, IRA & Business Jumbo Certificates
$0
3.89% ▲ 0.77% above North Carolina avg
View
▼
Rate3.82%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.12%▲ 0.77% 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 14, 2026
  • Oct 1, 20263.89%▲ from 3.60%
  • Sep 18, 20263.60%first recorded
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% ▲ 0.73% above North Carolina avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.12%▲ 0.73% 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 14, 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%
3130 Milton Rd, Charlotte, NC 28215
24 Month Term Certificates Jumbo
$200,000
3.85% ▲ 0.73% above North Carolina avg
View
▼
Rate3.85%
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.12%▲ 0.73% above avgNationally 2.88%
Details

$200K

Rate History
No change since Oct 14, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 14, 2026: 3.85% APYOct 14, 2026Oct 14, 2026
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
3130 Milton Rd, Charlotte, NC 28215
24 Month Term Certificates Jumbo
$100,000
3.80% ▲ 0.68% above North Carolina avg
View
▼
Rate3.80%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.12%▲ 0.68% above avgNationally 2.88%
Details

$100k

Rate History
No change since Oct 14, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 14, 2026: 3.80% APYOct 14, 2026Oct 14, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7521 Pineville Matthews Rd, Charlotte, NC 28226
2 Year Regular, IRA & Business Junior Jumbo Certificates
$0
3.78% ▲ 0.66% above North Carolina avg
View
▼
Rate3.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.12%▲ 0.66% 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 14, 2026
  • Oct 1, 20263.78%▲ from 3.49%
  • Sep 18, 20263.49%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7521 Pineville Matthews Rd, Charlotte, NC 28226
2 Year Regular, IRA & Business Certificates
$0
3.68% ▲ 0.56% above North Carolina avg
View
▼
Rate3.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.12%▲ 0.56% 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 14, 2026
  • Oct 1, 20263.68%▲ from 3.39%
  • Sep 18, 20263.39%first recorded
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
100 Queens Rd, Charlotte, NC 28204
IRA Certificate - 2 Year
$500
3.65% ▲ 0.53% above North Carolina avg
View
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.12%▲ 0.53% above avgNationally 2.88%
Details

Published APY range: 3.65% - 3.85%; Published rate range: 3.59% - 3.78%. Balance: $500.00 - $250,000.00

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 8 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
3130 Milton Rd, Charlotte, NC 28215
Share Term Certificates Regular - 24 Months
$500
3.65% ▲ 0.53% above North Carolina avg
View
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.12%▲ 0.53% above avgNationally 2.88%
Details

Effective as of October 1st, 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 14, 2026
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
2000 Continental Blvd, Charlotte, NC 28273
24 Month Share Certificate
$0
3.60% ▲ 0.48% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.12%▲ 0.48% above avgNationally 2.88%
Details

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

Rate History
No change since Oct 9, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 9, 2026: 3.60% APYOct 9, 2026Oct 14, 2026
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
2000 Continental Blvd, Charlotte, NC 28273
24 Month Young Certificates
$0
3.60% ▲ 0.48% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.12%▲ 0.48% above avgNationally 2.88%
Details

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

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 14, 2026
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
2000 Continental Blvd, Charlotte, NC 28273
IRA Certificates - 24 Months
$0
3.60% ▲ 0.48% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.12%▲ 0.48% above avgNationally 2.88%
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 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
Charlotte Fire Department Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2121 Commonwealth Ave, Charlotte, NC 28205 5100
24 Month Share Certificates
$0
3.60% ▲ 0.48% above North Carolina avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.12%▲ 0.48% above avgNationally 2.88%
Details

Balance: $2,500.00 - 24,999.00

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 14, 2026
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
100 Queens Rd, Charlotte, NC 28204
2 Year Certificate
$500
3.55% ▲ 0.43% above North Carolina avg
View
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.12%▲ 0.43% above avgNationally 2.88%
Details

Published APY range: 3.55% - 3.75%; Published rate range: 3.49% - 3.68%. Balance: $500.00 - $250,000.00

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
6051 Tyvola Glen Cir, Charlotte, NC 28217
24 Month Term
$0
3.25% ▲ 0.13% above North Carolina avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.12%▲ 0.13% above avgNationally 2.88%
Details

Regular & IRA Certificates

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 7 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 14, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
6051 Tyvola Glen Cir, Charlotte, NC 28217
Business 24 Month Term Certificate
$0
3.25% ▲ 0.13% above North Carolina avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.12%▲ 0.13% above avgNationally 2.88%
Details

Rate History
No change since Oct 14, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 14, 2026: 3.25% APYOct 14, 2026Oct 14, 2026
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2830 Boyer St, Charlotte, NC 28208
24 Month Certificate
$500
3.25% ▲ 0.13% above North Carolina avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.12%▲ 0.13% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
6051 Tyvola Glen Cir, Charlotte, NC 28217
24 Month Term
$0
3.20% ▲ 0.08% above North Carolina avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.12%▲ 0.08% above avgNationally 2.88%
Details

Regular & IRA Certificates

Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 7 times
2.70%3.20%3.70%Sep 18, 2026: 3.20% APYSep 18, 2026Oct 14, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
6051 Tyvola Glen Cir, Charlotte, NC 28217
Business 24 Month Term Certificate
$0
3.20% ▲ 0.08% above North Carolina avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.12%▲ 0.08% above avgNationally 2.88%
Details

Rate History
No change since Oct 14, 2026 · 3.20% APY
2.70%3.20%3.70%Oct 14, 2026: 3.20% APYOct 14, 2026Oct 14, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
6051 Tyvola Glen Cir, Charlotte, NC 28217
24 Month Term
$0
3.15% ▲ 0.03% above North Carolina avg
View
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.12%▲ 0.03% above avgNationally 2.88%
Details

Regular & IRA Certificates

Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 7 times
2.65%3.15%3.65%Sep 18, 2026: 3.15% APYSep 18, 2026Oct 14, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
6051 Tyvola Glen Cir, Charlotte, NC 28217
Business 24 Month Term Certificate
$0
3.15% ▲ 0.03% above North Carolina avg
View
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.12%▲ 0.03% above avgNationally 2.88%
Details

Rate History
No change since Oct 14, 2026 · 3.15% APY
2.65%3.15%3.65%Oct 14, 2026: 3.15% APYOct 14, 2026Oct 14, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
6051 Tyvola Glen Cir, Charlotte, NC 28217
24 Month Term
$0
3.09% ▼ 0.03% below North Carolina avg
View
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.12%▼ 0.03% below avgNationally 2.88%
Details

Regular & IRA Certificates

Rate History
No change since Sep 18, 2026 · 3.09% APY · checked 7 times
2.59%3.09%3.59%Sep 18, 2026: 3.09% APYSep 18, 2026Oct 14, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
6051 Tyvola Glen Cir, Charlotte, NC 28217
Business 24 Month Term Certificate
$0
3.09% ▼ 0.03% below North Carolina avg
View
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.12%▼ 0.03% below avgNationally 2.88%
Details

Rate History
No change since Oct 14, 2026 · 3.09% APY
2.59%3.09%3.59%Oct 14, 2026: 3.09% APYOct 14, 2026Oct 14, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
6051 Tyvola Glen Cir, Charlotte, NC 28217
24 Month FLEX (with 1x rate increase option)
$0
3.08% ▼ 0.04% below North Carolina avg
View
▼
Rate3.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.12%▼ 0.04% below avgNationally 2.88%
Details

Regular & IRA Certificates; with 1x rate increase option

Rate History
No change since Sep 24, 2026 · 3.08% APY · checked 6 times
2.58%3.08%3.58%Sep 24, 2026: 3.08% APYSep 24, 2026Oct 14, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
6051 Tyvola Glen Cir, Charlotte, NC 28217
24 Month FLEX (with 1x rate increase option)
$0
3.03% ▼ 0.09% below North Carolina avg
View
▼
Rate2.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.12%▼ 0.09% below avgNationally 2.88%
Details

Regular & IRA Certificates; with 1x rate increase option

Rate History
No change since Sep 24, 2026 · 3.03% APY · checked 6 times
2.53%3.03%3.53%Sep 24, 2026: 3.03% APYSep 24, 2026Oct 14, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
6051 Tyvola Glen Cir, Charlotte, NC 28217
24 Month FLEX (with 1x rate increase option)
$0
2.98% ▼ 0.14% below North Carolina avg
View
▼
Rate2.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.12%▼ 0.14% below avgNationally 2.88%
Details

Regular & IRA Certificates; with 1x rate increase option

Rate History
No change since Sep 24, 2026 · 2.98% APY · checked 6 times
2.48%2.98%3.48%Sep 24, 2026: 2.98% APYSep 24, 2026Oct 14, 2026
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
6502 McMahan Dr, Charlotte, NC 28226
24 Month Term Certificate
$500
2.95% ▼ 0.17% below North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.12%▼ 0.17% below avgNationally 2.88%
Details

Early W/D penalty is 90 days interest

Rate History
No change since Sep 14, 2026 · 2.95% APY · checked 8 times
2.45%2.95%3.45%Sep 14, 2026: 2.95% APYSep 14, 2026Oct 14, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
6051 Tyvola Glen Cir, Charlotte, NC 28217
24 Month FLEX (with 1x rate increase option)
$0
2.92% ▼ 0.20% below North Carolina avg
View
▼
Rate2.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.12%▼ 0.20% below avgNationally 2.88%
Details

Regular & IRA Certificates; with 1x rate increase option

Rate History
No change since Sep 24, 2026 · 2.92% APY · checked 6 times
2.42%2.92%3.42%Sep 24, 2026: 2.92% APYSep 24, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
1830 Galleria Blvd, Charlotte, NC 28270
Certificate of Deposit 2 Year
$500
2.25% ▼ 0.87% below North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.12%▼ 0.87% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 8 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
1830 Galleria Blvd, Charlotte, NC 28270
IRA 2 Year
$500
2.25% ▼ 0.87% below North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.12%▼ 0.87% below avgNationally 2.88%
Details

Rate History
No change since Oct 14, 2026 · 2.25% APY
1.75%2.25%2.75%Oct 14, 2026: 2.25% APYOct 14, 2026Oct 14, 2026
Paramount Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
8305 University Executive Park Dr, Charlotte, NC 28262
CD & IRA - 24 Months
$1,000
2.25% ▼ 0.87% below North Carolina avg
View
▼
Rate2.23%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average3.12%▼ 0.87% below avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 7 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 14, 2026
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
6821 Carnegie Blvd, Charlotte, NC 28211
2 Year Standard Rate CDs
$500
1.80% ▼ 1.32% below North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.12%▼ 1.32% below avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 1.80% APY · checked 5 times
1.30%1.80%2.30%Sep 18, 2026: 1.80% APYSep 18, 2026Oct 14, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
6611 Carmel Road, Charlotte, NC 28226
TD Choice CD 24 Month
$250
1.00% ▼ 2.12% below North Carolina avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.12%▼ 2.12% below avgNationally 2.88%
Details

Non-Promotional; Balance: $250.00 - $9,999.99

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 14, 2026
Byline Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
2115 Rexford Rd, Charlotte, NC 28211
Certificates of Deposit - 2 year
$0
0.70% ▼ 2.42% below North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.12%▼ 2.42% below avgNationally 2.88%
Details

Open online

Rate History
No change since Sep 14, 2026 · 0.70% APY · checked 8 times
0.20%0.70%1.20%Sep 14, 2026: 0.70% APYSep 14, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
128 S Tryon St, Charlotte, NC 28202
Jumbo CD - 2-Year Jumbo
$100,000
0.40% ▼ 2.72% below North Carolina avg
View
▼
Rate0.40%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.12%▼ 2.72% below avgNationally 2.88%
Details

Jumbo CDs

Rate History
No change since Oct 14, 2026 · 0.40% APY
0.00%0.45%0.90%Oct 14, 2026: 0.40% APYOct 14, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
128 S Tryon St, Charlotte, NC 28202
Term CD - 2-Year Term
$1,000
0.40% ▼ 2.72% below North Carolina avg
View
▼
Rate0.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.12%▼ 2.72% below avgNationally 2.88%
Details

Term Certificates of Deposit (CD)

Rate History
No change since Oct 14, 2026 · 0.40% APY
0.00%0.45%0.90%Oct 14, 2026: 0.40% APYOct 14, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
128 S Tryon St, Charlotte, NC 28202
RampUp CD - 2-Year RampUp Plus
$25,000
0.25% ▼ 2.87% below North Carolina avg
View
▼
Rate0.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.12%▼ 2.87% below avgNationally 2.88%
Details

Ramp Up CDs

Rate History
No change since Oct 14, 2026 · 0.25% APY
0.00%0.38%0.75%Oct 14, 2026: 0.25% APYOct 14, 2026Oct 14, 2026

Charlotte 36 Month CD Rates

North Carolina 36 Month CD Average2.93% APYNational 2.81%▼ 0.01% from last week
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% ▲ 1.57% above North Carolina avg
View
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.93%▲ 1.57% 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 14, 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% ▲ 1.42% above North Carolina avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.93%▲ 1.42% 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 14, 2026
  • Oct 5, 20264.35%▲ 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
3 Year IRA Traditional & Roth CD
$500
4.25% ▲ 1.32% above North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.93%▲ 1.32% 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 14, 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% ▲ 1.32% above North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.93%▲ 1.32% 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 14, 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
3 Year Regular, IRA & Business Jumbo Certificates
$0
4.24% ▲ 1.31% above North Carolina avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.93%▲ 1.31% 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 14, 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% ▲ 1.23% above North Carolina avg
View
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.93%▲ 1.23% 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 14, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7521 Pineville Matthews Rd, Charlotte, NC 28226
3 Year Regular, IRA & Business Junior Jumbo Certificates
$0
4.14% ▲ 1.21% above North Carolina avg
View
▼
Rate4.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.93%▲ 1.21% 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 14, 2026
  • Oct 1, 20264.14%▲ from 3.80%
  • Sep 18, 20263.80%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
7521 Pineville Matthews Rd, Charlotte, NC 28226
3 Year Regular, IRA & Business Certificates
$0
4.03% ▲ 1.10% above North Carolina avg
View
▼
Rate3.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.93%▲ 1.10% 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 14, 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%
4720 AIRPORT CENTER PKWY, CHARLOTTE, NC 28208
Share Term Certificates (STCs) - 36 months
$250
4.00% ▲ 1.07% above North Carolina avg
View
▼
Rate4.00%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.93%▲ 1.07% 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 14, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
9605 N Tryon St Ste Q, Charlotte, NC 28262 8572
36 Month Business Jumbo Choice Certificate 36
$75,000
3.95% ▲ 1.02% above North Carolina avg
View
▼
Rate3.88%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.93%▲ 1.02% 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 14, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
9605 N Tryon St Ste Q, Charlotte, NC 28262 8572
36 Month Jumbo Choice Certificate 36
$75,000
3.95% ▲ 1.02% above North Carolina avg
View
▼
Rate3.88%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.93%▲ 1.02% 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 14, 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% ▲ 0.98% above North Carolina avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.93%▲ 0.98% 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 14, 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%
3130 Milton Rd, Charlotte, NC 28215
36 Month Term Certificates Jumbo
$200,000
3.90% ▲ 0.97% above North Carolina avg
View
▼
Rate3.90%
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.93%▲ 0.97% above avgNationally 2.81%
Details

$200K

Rate History
No change since Oct 14, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 14, 2026: 3.90% APYOct 14, 2026Oct 14, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
9605 N Tryon St Ste Q, Charlotte, NC 28262 8572
25 - 36 Month Business Choice Certificate 36
$500
3.85% ▲ 0.92% above North Carolina avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.93%▲ 0.92% 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 14, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
9605 N Tryon St Ste Q, Charlotte, NC 28262 8572
25 - 36 Month Choice Certificate 36
$250
3.85% ▲ 0.92% above North Carolina avg
View
▼
Rate3.78%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.93%▲ 0.92% 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 14, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
9605 N Tryon St Ste Q, Charlotte, NC 28262 8572
36 Month IRA Choice Certificate 36
$250
3.85% ▲ 0.92% above North Carolina avg
View
▼
Rate3.78%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.93%▲ 0.92% 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 14, 2026
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
3130 Milton Rd, Charlotte, NC 28215
36 Month Term Certificates Jumbo
$100,000
3.85% ▲ 0.92% above North Carolina avg
View
▼
Rate3.85%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.93%▲ 0.92% above avgNationally 2.81%
Details

$100k

Rate History
No change since Oct 14, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 14, 2026: 3.85% APYOct 14, 2026Oct 14, 2026
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
5023 Central Ave, Charlotte, NC 28205
36 Month Share Certificate Accounts
$500
3.82% ▲ 0.89% above North Carolina avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.93%▲ 0.89% 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 14, 2026
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
5023 Central Ave, Charlotte, NC 28205
IRA Certificate Accounts - 36 Month
$500
3.82% ▲ 0.89% above North Carolina avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.93%▲ 0.89% 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 14, 2026
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
3130 Milton Rd, Charlotte, NC 28215
Share Term Certificates Regular - 36 Months
$500
3.70% ▲ 0.77% above North Carolina avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.93%▲ 0.77% above avgNationally 2.81%
Details

Effective as of October 1st, 2026

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 14, 2026
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% ▲ 0.72% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.93%▲ 0.72% 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 14, 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% ▲ 0.72% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.93%▲ 0.72% 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 14, 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% ▲ 0.72% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.93%▲ 0.72% 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 14, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
6051 Tyvola Glen Cir, Charlotte, NC 28217
36 Month Term
$0
3.30% ▲ 0.37% above North Carolina avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.93%▲ 0.37% above avgNationally 2.81%
Details

Regular & IRA Certificates

Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 7 times
2.80%3.30%3.80%Sep 18, 2026: 3.30% APYSep 18, 2026Oct 14, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
6051 Tyvola Glen Cir, Charlotte, NC 28217
Business 36 Month Term Certificate
$0
3.30% ▲ 0.37% above North Carolina avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.93%▲ 0.37% above avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 14, 2026: 3.30% APYOct 14, 2026Oct 14, 2026
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2830 Boyer St, Charlotte, NC 28208
36 Month Certificate
$500
3.30% ▲ 0.37% above North Carolina avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.93%▲ 0.37% above avgNationally 2.81%
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 14, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
6051 Tyvola Glen Cir, Charlotte, NC 28217
36 Month Term
$0
3.25% ▲ 0.32% above North Carolina avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.93%▲ 0.32% above avgNationally 2.81%
Details

Regular & IRA Certificates

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 7 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 14, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
6051 Tyvola Glen Cir, Charlotte, NC 28217
Business 36 Month Term Certificate
$0
3.25% ▲ 0.32% above North Carolina avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.93%▲ 0.32% above avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 14, 2026: 3.25% APYOct 14, 2026Oct 14, 2026
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
100 Queens Rd, Charlotte, NC 28204
IRA Certificate - 3 Year
$500
3.25% ▲ 0.32% above North Carolina avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.93%▲ 0.32% above avgNationally 2.81%
Details

Published APY range: 3.25% - 3.45%; Published rate range: 3.20% - 3.39%. Balance: $500.00 - $250,000.00

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 8 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
6051 Tyvola Glen Cir, Charlotte, NC 28217
36 Month Term
$0
3.19% ▲ 0.26% above North Carolina avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.93%▲ 0.26% above avgNationally 2.81%
Details

Regular & IRA Certificates

Rate History
No change since Sep 18, 2026 · 3.19% APY · checked 7 times
2.69%3.19%3.69%Sep 18, 2026: 3.19% APYSep 18, 2026Oct 14, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
6051 Tyvola Glen Cir, Charlotte, NC 28217
Business 36 Month Term Certificate
$0
3.19% ▲ 0.26% above North Carolina avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.93%▲ 0.26% above avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 3.19% APY
2.69%3.19%3.69%Oct 14, 2026: 3.19% APYOct 14, 2026Oct 14, 2026
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
100 Queens Rd, Charlotte, NC 28204
3 Year Certificate
$500
3.15% ▲ 0.22% above North Carolina avg
View
▼
Rate3.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.93%▲ 0.22% above avgNationally 2.81%
Details

Published APY range: 3.15% - 3.35%; Published rate range: 3.10% - 3.30%. Balance: $500.00 - $250,000.00

Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 6 times
2.65%3.15%3.65%Sep 14, 2026: 3.15% APYSep 14, 2026Oct 14, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
6051 Tyvola Glen Cir, Charlotte, NC 28217
36 Month Term
$0
3.14% ▲ 0.21% above North Carolina avg
View
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.93%▲ 0.21% above avgNationally 2.81%
Details

Regular & IRA Certificates

Rate History
No change since Sep 18, 2026 · 3.14% APY · checked 7 times
2.64%3.14%3.64%Sep 18, 2026: 3.14% APYSep 18, 2026Oct 14, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
6051 Tyvola Glen Cir, Charlotte, NC 28217
Business 36 Month Term Certificate
$0
3.14% ▲ 0.21% above North Carolina avg
View
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.93%▲ 0.21% above avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 3.14% APY
2.64%3.14%3.64%Oct 14, 2026: 3.14% APYOct 14, 2026Oct 14, 2026
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
6502 McMahan Dr, Charlotte, NC 28226
36 Month Term Certificate
$500
2.85% ▼ 0.08% below North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.93%▼ 0.08% below avgNationally 2.81%
Details

Early W/D penalty is 90 days interest

Rate History
No change since Sep 14, 2026 · 2.85% APY · checked 8 times
2.35%2.85%3.35%Sep 14, 2026: 2.85% APYSep 14, 2026Oct 14, 2026
Paramount Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
8305 University Executive Park Dr, Charlotte, NC 28262
CD & IRA - 36 Months
$1,000
2.50% ▼ 0.43% below North Carolina avg
View
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average2.93%▼ 0.43% below avgNationally 2.81%
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 14, 2026
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
6821 Carnegie Blvd, Charlotte, NC 28211
3 Year Standard Rate CDs
$500
1.85% ▼ 1.08% below North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.93%▼ 1.08% below avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 1.85% APY · checked 5 times
1.35%1.85%2.35%Sep 18, 2026: 1.85% APYSep 18, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
1830 Galleria Blvd, Charlotte, NC 28270
Certificate of Deposit 3 Year
$500
1.40% ▼ 1.53% below North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.93%▼ 1.53% below avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 1.40% APY · checked 8 times
0.90%1.40%1.90%Sep 14, 2026: 1.40% APYSep 14, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
1830 Galleria Blvd, Charlotte, NC 28270
IRA 3 Year
$500
1.40% ▼ 1.53% below North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.93%▼ 1.53% below avgNationally 2.81%
Details

Rate History
No change since Oct 14, 2026 · 1.40% APY
0.90%1.40%1.90%Oct 14, 2026: 1.40% APYOct 14, 2026Oct 14, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
6611 Carmel Road, Charlotte, NC 28226
TD Choice CD 3 Year
$250
1.00% ▼ 1.93% below North Carolina avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.93%▼ 1.93% below avgNationally 2.81%
Details

Non-Promotional; Balance: $250.00 - $9,999.99

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 14, 2026
Byline Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
2115 Rexford Rd, Charlotte, NC 28211
Certificates of Deposit - 3 year
$0
0.75% ▼ 2.18% below North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.93%▼ 2.18% below avgNationally 2.81%
Details

Open online

Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 8 times
0.25%0.75%1.25%Sep 14, 2026: 0.75% APYSep 14, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
128 S Tryon St, Charlotte, NC 28202
Jumbo CD - 3-Year Jumbo
$100,000
0.40% ▼ 2.53% below North Carolina avg
View
▼
Rate0.40%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.93%▼ 2.53% below avgNationally 2.81%
Details

Jumbo CDs

Rate History
No change since Oct 14, 2026 · 0.40% APY
0.00%0.45%0.90%Oct 14, 2026: 0.40% APYOct 14, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
128 S Tryon St, Charlotte, NC 28202
Term CD - 3-Year Term
$1,000
0.40% ▼ 2.53% below North Carolina avg
View
▼
Rate0.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.93%▼ 2.53% below avgNationally 2.81%
Details

Term Certificates of Deposit (CD)

Rate History
No change since Oct 14, 2026 · 0.40% APY
0.00%0.45%0.90%Oct 14, 2026: 0.40% APYOct 14, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
128 S Tryon St, Charlotte, NC 28202
RampUp CD - 3-Year RampUp
$25,000
0.25% ▼ 2.68% below North Carolina avg
View
▼
Rate0.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.93%▼ 2.68% below avgNationally 2.81%
Details

Ramp Up CDs

Rate History
No change since Oct 14, 2026 · 0.25% APY
0.00%0.38%0.75%Oct 14, 2026: 0.25% APYOct 14, 2026Oct 14, 2026
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
128 S Tryon St, Charlotte, NC 28202
3 Year Certificate of Deposit
$500
0.05% ▼ 2.88% below North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.93%▼ 2.88% below avgNationally 2.81%
Details

CD yields may vary depending on your area. Contact your local branch for details.

Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 18, 2026: 0.05% APYSep 18, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2000 Randolph Rd, Charlotte, NC 28207
36 Month Certificate of Deposit
$0
0.03% ▼ 2.90% below North Carolina avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.93%▼ 2.90% below avgNationally 2.81%
Details

Balance: $25,000.00 and above; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2000 Randolph Rd, Charlotte, NC 28207
IRA CD - 36 Months
$250
0.03% ▼ 2.90% below North Carolina avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.93%▼ 2.90% below avgNationally 2.81%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2000 Randolph Rd, Charlotte, NC 28207
36 Month Certificate of Deposit
$0
0.02% ▼ 2.91% below North Carolina avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.93%▼ 2.91% below avgNationally 2.81%
Details

Balance: $1,000.00 - $24,999.99; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2000 Randolph Rd, Charlotte, NC 28207
IRA CD - 36 Months
$250
0.02% ▼ 2.91% below North Carolina avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.93%▼ 2.91% below avgNationally 2.81%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2000 Randolph Rd, Charlotte, NC 28207
36 Month Certificate of Deposit
$0
0.01% ▼ 2.92% below North Carolina avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.93%▼ 2.92% below avgNationally 2.81%
Details

Balance: $1.00 - $999.99; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026

Charlotte 48 Month CD Rates

North Carolina 48 Month CD Average2.72% APYNational 2.80%▼ 0.02% from last week
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% ▲ 2.03% above North Carolina avg
View
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.72%▲ 2.03% 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 14, 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
4 Year Regular, IRA & Business Jumbo Certificates
$0
4.47% ▲ 1.75% above North Carolina avg
View
▼
Rate4.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.72%▲ 1.75% 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 14, 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
4 Year Regular, IRA & Business Junior Jumbo Certificates
$0
4.36% ▲ 1.64% above North Carolina avg
View
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.72%▲ 1.64% 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 14, 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
4 Year Regular, IRA & Business Certificates
$0
4.26% ▲ 1.54% above North Carolina avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.72%▲ 1.54% 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 14, 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% ▲ 1.50% above North Carolina avg
View
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.72%▲ 1.50% 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 14, 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% ▲ 1.48% above North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.72%▲ 1.48% 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 14, 2026
  • Oct 5, 20264.20%▲ from 4.00%
  • Sep 21, 20264.00%first recorded
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
9605 N Tryon St Ste Q, Charlotte, NC 28262 8572
48 Month Business Jumbo Choice Certificate 48
$75,000
4.00% ▲ 1.28% above North Carolina avg
View
▼
Rate3.92%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.72%▲ 1.28% 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 14, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
9605 N Tryon St Ste Q, Charlotte, NC 28262 8572
48 Month Jumbo Choice Certificate 48
$75,000
4.00% ▲ 1.28% above North Carolina avg
View
▼
Rate3.92%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.72%▲ 1.28% 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 14, 2026
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.13%
4720 AIRPORT CENTER PKWY, CHARLOTTE, NC 28208
Share Term Certificates (STCs) - 48 months
$250
4.00% ▲ 1.28% above North Carolina avg
View
▼
Rate4.00%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.72%▲ 1.28% 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 14, 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% ▲ 1.24% above North Carolina avg
View
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.72%▲ 1.24% 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 14, 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%
3130 Milton Rd, Charlotte, NC 28215
48 Month Term Certificates Jumbo
$200,000
3.93% ▲ 1.21% above North Carolina avg
View
▼
Rate3.93%
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.72%▲ 1.21% above avgNationally 2.80%
Details

$200K

Rate History
No change since Oct 14, 2026 · 3.93% APY
3.43%3.93%4.43%Oct 14, 2026: 3.93% APYOct 14, 2026Oct 14, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
9605 N Tryon St Ste Q, Charlotte, NC 28262 8572
37 - 48 Month Business Choice Certificate 48
$500
3.90% ▲ 1.18% above North Carolina avg
View
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.72%▲ 1.18% 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 14, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
9605 N Tryon St Ste Q, Charlotte, NC 28262 8572
37 - 48 Month Choice Certificate 48
$250
3.90% ▲ 1.18% above North Carolina avg
View
▼
Rate3.83%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.72%▲ 1.18% 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 14, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
9605 N Tryon St Ste Q, Charlotte, NC 28262 8572
48 Month IRA Choice Certificate 48
$250
3.90% ▲ 1.18% above North Carolina avg
View
▼
Rate3.83%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.72%▲ 1.18% 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 14, 2026
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
3130 Milton Rd, Charlotte, NC 28215
48 Month Term Certificates Jumbo
$100,000
3.88% ▲ 1.16% above North Carolina avg
View
▼
Rate3.88%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.72%▲ 1.16% above avgNationally 2.80%
Details

$100k

Rate History
No change since Oct 14, 2026 · 3.88% APY
3.38%3.88%4.38%Oct 14, 2026: 3.88% APYOct 14, 2026Oct 14, 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% ▲ 1.03% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.72%▲ 1.03% 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 14, 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% ▲ 1.03% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.72%▲ 1.03% 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 14, 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% ▲ 1.03% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.72%▲ 1.03% 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 14, 2026
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
3130 Milton Rd, Charlotte, NC 28215
Share Term Certificates Regular - 48 Months
$500
3.73% ▲ 1.01% above North Carolina avg
View
▼
Rate3.73%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.72%▲ 1.01% above avgNationally 2.80%
Details

Effective as of October 1st, 2026

Rate History
No change since Sep 14, 2026 · 3.73% APY · checked 2 times
3.23%3.73%4.23%Sep 14, 2026: 3.73% APYSep 14, 2026Oct 14, 2026
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
5023 Central Ave, Charlotte, NC 28205
48 Month Share Certificate Accounts
$500
3.51% ▲ 0.79% above North Carolina avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.72%▲ 0.79% 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 14, 2026
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
5023 Central Ave, Charlotte, NC 28205
IRA Certificate Accounts - 48 Month
$500
3.51% ▲ 0.79% above North Carolina avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.72%▲ 0.79% 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 14, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
6051 Tyvola Glen Cir, Charlotte, NC 28217
48 Month Term
$0
3.35% ▲ 0.63% above North Carolina avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.72%▲ 0.63% above avgNationally 2.80%
Details

Regular & IRA Certificates

Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 7 times
2.85%3.35%3.85%Sep 18, 2026: 3.35% APYSep 18, 2026Oct 14, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
6051 Tyvola Glen Cir, Charlotte, NC 28217
48 Month Term
$0
3.30% ▲ 0.58% above North Carolina avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.72%▲ 0.58% above avgNationally 2.80%
Details

Regular & IRA Certificates

Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 7 times
2.80%3.30%3.80%Sep 18, 2026: 3.30% APYSep 18, 2026Oct 14, 2026
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
100 Queens Rd, Charlotte, NC 28204
IRA Certificate - 4 Year
$500
3.30% ▲ 0.58% above North Carolina avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.72%▲ 0.58% 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 14, 2026
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2830 Boyer St, Charlotte, NC 28208
48 Month Certificate
$500
3.30% ▲ 0.58% above North Carolina avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.72%▲ 0.58% 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 14, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
6051 Tyvola Glen Cir, Charlotte, NC 28217
48 Month Term
$0
3.25% ▲ 0.53% above North Carolina avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.72%▲ 0.53% above avgNationally 2.80%
Details

Regular & IRA Certificates

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 7 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 14, 2026
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
100 Queens Rd, Charlotte, NC 28204
4 Year Certificate
$500
3.20% ▲ 0.48% above North Carolina avg
View
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.72%▲ 0.48% 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 14, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
6051 Tyvola Glen Cir, Charlotte, NC 28217
48 Month Term
$0
3.19% ▲ 0.47% above North Carolina avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.72%▲ 0.47% above avgNationally 2.80%
Details

Regular & IRA Certificates

Rate History
No change since Sep 18, 2026 · 3.19% APY · checked 7 times
2.69%3.19%3.69%Sep 18, 2026: 3.19% APYSep 18, 2026Oct 14, 2026
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
6502 McMahan Dr, Charlotte, NC 28226
48 Month Term Certificate
$500
2.75% ▲ 0.03% above North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.72%▲ 0.03% above avgNationally 2.80%
Details

Early W/D penalty is 90 days interest

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 8 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 14, 2026
Paramount Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
8305 University Executive Park Dr, Charlotte, NC 28262
CD & IRA - 48 Months
$1,000
2.55% ▼ 0.17% below North Carolina avg
View
▼
Rate2.52%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average2.72%▼ 0.17% below avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 2.55% APY · checked 7 times
2.05%2.55%3.05%Sep 14, 2026: 2.55% APYSep 14, 2026Oct 14, 2026
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
6821 Carnegie Blvd, Charlotte, NC 28211
4 Year Standard Rate CDs
$500
1.90% ▼ 0.82% below North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.72%▼ 0.82% below avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 1.90% APY · checked 5 times
1.40%1.90%2.40%Sep 18, 2026: 1.90% APYSep 18, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
1830 Galleria Blvd, Charlotte, NC 28270
Certificate of Deposit 4 Year
$500
1.15% ▼ 1.57% below North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.72%▼ 1.57% below avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 1.15% APY · checked 8 times
0.65%1.15%1.65%Sep 14, 2026: 1.15% APYSep 14, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
1830 Galleria Blvd, Charlotte, NC 28270
IRA 4 Year
$500
1.15% ▼ 1.57% below North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.72%▼ 1.57% below avgNationally 2.80%
Details

Rate History
No change since Oct 14, 2026 · 1.15% APY
0.65%1.15%1.65%Oct 14, 2026: 1.15% APYOct 14, 2026Oct 14, 2026
Byline Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
2115 Rexford Rd, Charlotte, NC 28211
Certificates of Deposit - 4 year
$0
1.00% ▼ 1.72% below North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.72%▼ 1.72% below avgNationally 2.80%
Details

Open online

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 8 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
128 S Tryon St, Charlotte, NC 28202
Jumbo CD - 4-Year Jumbo
$100,000
0.50% ▼ 2.22% below North Carolina avg
View
▼
Rate0.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.72%▼ 2.22% below avgNationally 2.80%
Details

Jumbo CDs

Rate History
No change since Oct 14, 2026 · 0.50% APY
0.00%0.50%1.00%Oct 14, 2026: 0.50% APYOct 14, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
128 S Tryon St, Charlotte, NC 28202
Term CD - 4-Year Term
$1,000
0.50% ▼ 2.22% below North Carolina avg
View
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.72%▼ 2.22% below avgNationally 2.80%
Details

Term Certificates of Deposit (CD)

Rate History
No change since Oct 14, 2026 · 0.50% APY
0.00%0.50%1.00%Oct 14, 2026: 0.50% APYOct 14, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
128 S Tryon St, Charlotte, NC 28202
RampUp CD - 4-Year RampUp
$50,000
0.25% ▼ 2.47% below North Carolina avg
View
▼
Rate0.25%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.72%▼ 2.47% below avgNationally 2.80%
Details

Ramp Up CDs

Rate History
No change since Oct 14, 2026 · 0.25% APY
0.00%0.38%0.75%Oct 14, 2026: 0.25% APYOct 14, 2026Oct 14, 2026
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
128 S Tryon St, Charlotte, NC 28202
4 Year Certificate of Deposit
$500
0.15% ▼ 2.57% below North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.72%▼ 2.57% below avgNationally 2.80%
Details

CD yields may vary depending on your area. Contact your local branch for details.

Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 5 times
0.00%0.33%0.65%Sep 18, 2026: 0.15% APYSep 18, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2000 Randolph Rd, Charlotte, NC 28207
48 Month Certificate of Deposit
$0
0.03% ▼ 2.69% below North Carolina avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.72%▼ 2.69% below avgNationally 2.80%
Details

Balance: $25,000.00 and above; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2000 Randolph Rd, Charlotte, NC 28207
IRA CD - 48 Months
$250
0.03% ▼ 2.69% below North Carolina avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.72%▼ 2.69% below avgNationally 2.80%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2000 Randolph Rd, Charlotte, NC 28207
48 Month Certificate of Deposit
$0
0.02% ▼ 2.70% below North Carolina avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.72%▼ 2.70% below avgNationally 2.80%
Details

Balance: $1,000.00 - $24,999.99; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2000 Randolph Rd, Charlotte, NC 28207
IRA CD - 48 Months
$250
0.02% ▼ 2.70% below North Carolina avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.72%▼ 2.70% below avgNationally 2.80%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2000 Randolph Rd, Charlotte, NC 28207
48 Month Certificate of Deposit
$0
0.01% ▼ 2.71% below North Carolina avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.72%▼ 2.71% below avgNationally 2.80%
Details

Balance: $1.00 - $999.99; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2000 Randolph Rd, Charlotte, NC 28207
IRA CD - 48 Months
$250
0.01% ▼ 2.71% below North Carolina avg
View
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.72%▼ 2.71% below avgNationally 2.80%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
48-Month Certificate
$250
4.10% ▲ 1.38% above North Carolina avg
View
▼
Rate4.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.72%▲ 1.38% above avgNationally 2.80%
Details

Effective 09/28/2026

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 14, 2026
  • Oct 1, 20264.10%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
TCP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Share Term Certificate - 48 Month
$250
3.85% ▲ 1.13% above North Carolina avg
View
▼
Rate3.80%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.72%▲ 1.13% 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 14, 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%
48 Month Share Certificate
$1,000
3.75% ▲ 1.03% above North Carolina avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average2.72%▲ 1.03% 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 14, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
48 Month Certificate
$500
3.75% ▲ 1.03% above North Carolina avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.72%▲ 1.03% above avgNationally 2.80%
Details

IRA/HSA & Share Certificate; penalty for early withdrawal; minimum deposit $500 to open and earn dividends; 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 14, 2026
  • Oct 1, 20263.75%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
American Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
48 Month IRA and Share Certificates
$500
3.50% ▲ 0.78% above North Carolina avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.72%▲ 0.78% 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 14, 2026
Welcome Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
IRA Share Certificates - 48 Months
$500
3.50% ▲ 0.78% above North Carolina avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.72%▲ 0.78% 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 14, 2026

Charlotte 60 Month CD Rates

North Carolina 60 Month CD Average2.98% APYNational 2.91%▲ 0.01% from last week
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
5 Year Regular, IRA & Business Jumbo Certificates
$0
4.87% ▲ 1.89% above North Carolina avg
View
▼
Rate4.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.98%▲ 1.89% above avgNationally 2.91%
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 14, 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
5 Year Regular, IRA & Business Junior Jumbo Certificates
$0
4.76% ▲ 1.78% above North Carolina avg
View
▼
Rate4.66%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.98%▲ 1.78% above avgNationally 2.91%
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 14, 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% ▲ 1.77% above North Carolina avg
View
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.98%▲ 1.77% above avgNationally 2.91%
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 14, 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
5 Year Regular, IRA & Business Certificates
$0
4.66% ▲ 1.68% above North Carolina avg
View
▼
Rate4.56%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.98%▲ 1.68% above avgNationally 2.91%
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 14, 2026
  • Oct 1, 20264.66%▲ from 4.28%
  • Sep 18, 20264.28%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% ▲ 1.52% above North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.98%▲ 1.52% above avgNationally 2.91%
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 14, 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% ▲ 1.52% above North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.98%▲ 1.52% above avgNationally 2.91%
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 14, 2026
  • Oct 5, 20264.50%▲ from 4.00%
  • Sep 21, 20264.00%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% ▲ 1.29% above North Carolina avg
View
▼
Rate4.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.98%▲ 1.29% above avgNationally 2.91%
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 14, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
9605 N Tryon St Ste Q, Charlotte, NC 28262 8572
60 Month Business Jumbo Choice Certificate 48
$75,000
4.10% ▲ 1.12% above North Carolina avg
View
▼
Rate4.02%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.98%▲ 1.12% above avgNationally 2.91%
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 14, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
9605 N Tryon St Ste Q, Charlotte, NC 28262 8572
60 Month Jumbo Choice Certificate 60
$75,000
4.10% ▲ 1.12% above North Carolina avg
View
▼
Rate4.02%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.98%▲ 1.12% above avgNationally 2.91%
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 14, 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% ▲ 1.03% above North Carolina avg
View
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.98%▲ 1.03% above avgNationally 2.91%
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 14, 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%
9605 N Tryon St Ste Q, Charlotte, NC 28262 8572
49 - 60 Month Business Choice Certificate 60
$500
4.00% ▲ 1.02% above North Carolina avg
View
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.98%▲ 1.02% above avgNationally 2.91%
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 14, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
9605 N Tryon St Ste Q, Charlotte, NC 28262 8572
49 - 60 Month Choice Certificate 60
$250
4.00% ▲ 1.02% above North Carolina avg
View
▼
Rate3.92%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.98%▲ 1.02% above avgNationally 2.91%
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 14, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
9605 N Tryon St Ste Q, Charlotte, NC 28262 8572
60 Month IRA Choice Certificate 60
$250
4.00% ▲ 1.02% above North Carolina avg
View
▼
Rate3.92%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.98%▲ 1.02% above avgNationally 2.91%
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 14, 2026
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.13%
4720 AIRPORT CENTER PKWY, CHARLOTTE, NC 28208
Share Term Certificates (STCs) - 60 months
$250
4.00% ▲ 1.02% above North Carolina avg
View
▼
Rate4.00%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.98%▲ 1.02% above avgNationally 2.91%
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 14, 2026
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
3130 Milton Rd, Charlotte, NC 28215
60 Month Term Certificates Jumbo
$200,000
3.95% ▲ 0.97% above North Carolina avg
View
▼
Rate3.95%
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.98%▲ 0.97% above avgNationally 2.91%
Details

$200K

Rate History
No change since Oct 14, 2026 · 3.95% APY
3.45%3.95%4.45%Oct 14, 2026: 3.95% APYOct 14, 2026Oct 14, 2026
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% ▲ 0.92% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.98%▲ 0.92% above avgNationally 2.91%
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 14, 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% ▲ 0.92% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.98%▲ 0.92% above avgNationally 2.91%
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 14, 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% ▲ 0.92% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.98%▲ 0.92% above avgNationally 2.91%
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 14, 2026
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
3130 Milton Rd, Charlotte, NC 28215
60 Month Term Certificates Jumbo
$100,000
3.90% ▲ 0.92% above North Carolina avg
View
▼
Rate3.90%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.98%▲ 0.92% above avgNationally 2.91%
Details

$100k

Rate History
No change since Oct 14, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 14, 2026: 3.90% APYOct 14, 2026Oct 14, 2026
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
3130 Milton Rd, Charlotte, NC 28215
Share Term Certificates Regular - 60 Months
$500
3.75% ▲ 0.77% above North Carolina avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.98%▲ 0.77% above avgNationally 2.91%
Details

Effective as of October 1st, 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 14, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
6051 Tyvola Glen Cir, Charlotte, NC 28217
60 Month Term
$0
3.40% ▲ 0.42% above North Carolina avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.98%▲ 0.42% above avgNationally 2.91%
Details

Regular & IRA Certificates

Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 7 times
2.90%3.40%3.90%Sep 18, 2026: 3.40% APYSep 18, 2026Oct 14, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
6051 Tyvola Glen Cir, Charlotte, NC 28217
60 Month Term
$0
3.35% ▲ 0.37% above North Carolina avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.98%▲ 0.37% above avgNationally 2.91%
Details

Regular & IRA Certificates

Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 7 times
2.85%3.35%3.85%Sep 18, 2026: 3.35% APYSep 18, 2026Oct 14, 2026
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
100 Queens Rd, Charlotte, NC 28204
IRA Certificate - 5 Year
$500
3.35% ▲ 0.37% above North Carolina avg
View
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.98%▲ 0.37% above avgNationally 2.91%
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 14, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
6051 Tyvola Glen Cir, Charlotte, NC 28217
60 Month Term
$0
3.30% ▲ 0.32% above North Carolina avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.98%▲ 0.32% above avgNationally 2.91%
Details

Regular & IRA Certificates

Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 7 times
2.80%3.30%3.80%Sep 18, 2026: 3.30% APYSep 18, 2026Oct 14, 2026
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2830 Boyer St, Charlotte, NC 28208
60 Month Certificate
$500
3.30% ▲ 0.32% above North Carolina avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.98%▲ 0.32% above avgNationally 2.91%
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 14, 2026
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
100 Queens Rd, Charlotte, NC 28204
5 Year Certificate
$500
3.25% ▲ 0.27% above North Carolina avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.98%▲ 0.27% above avgNationally 2.91%
Details

Published APY range: 3.25% - 3.45%; Published rate range: 3.20% - 3.39%. Balance: $500.00 - $250,000.00

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
6051 Tyvola Glen Cir, Charlotte, NC 28217
60 Month Term
$0
3.24% ▲ 0.26% above North Carolina avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.98%▲ 0.26% above avgNationally 2.91%
Details

Regular & IRA Certificates

Rate History
No change since Sep 18, 2026 · 3.24% APY · checked 7 times
2.74%3.24%3.74%Sep 18, 2026: 3.24% APYSep 18, 2026Oct 14, 2026
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
6502 McMahan Dr, Charlotte, NC 28226
60 Month Term Certificate
$500
2.25% ▼ 0.73% below North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.98%▼ 0.73% below avgNationally 2.91%
Details

Early W/D penalty is 90 days interest

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 8 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 14, 2026
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
6821 Carnegie Blvd, Charlotte, NC 28211
5 Year Standard Rate CDs
$500
1.90% ▼ 1.08% below North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.98%▼ 1.08% below avgNationally 2.91%
Details

Rate History
No change since Sep 18, 2026 · 1.90% APY · checked 5 times
1.40%1.90%2.40%Sep 18, 2026: 1.90% APYSep 18, 2026Oct 14, 2026
Paramount Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
8305 University Executive Park Dr, Charlotte, NC 28262
CD & IRA - 60 Months
$1,000
1.70% ▼ 1.28% below North Carolina avg
View
▼
Rate1.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average2.98%▼ 1.28% below avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 1.70% APY · checked 7 times
1.20%1.70%2.20%Sep 14, 2026: 1.70% APYSep 14, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
1830 Galleria Blvd, Charlotte, NC 28270
Certificate of Deposit 5 Year
$500
1.25% ▼ 1.73% below North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.98%▼ 1.73% below avgNationally 2.91%
Details

Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 8 times
0.75%1.25%1.75%Sep 14, 2026: 1.25% APYSep 14, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
1830 Galleria Blvd, Charlotte, NC 28270
IRA 5 Year
$500
1.25% ▼ 1.73% below North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.98%▼ 1.73% below avgNationally 2.91%
Details

Rate History
No change since Oct 14, 2026 · 1.25% APY
0.75%1.25%1.75%Oct 14, 2026: 1.25% APYOct 14, 2026Oct 14, 2026
Byline Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.58%
2115 Rexford Rd, Charlotte, NC 28211
Certificates of Deposit - 5 year
$0
1.25% ▼ 1.73% below North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.98%▼ 1.73% below avgNationally 2.91%
Details

Open online

Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 8 times
0.75%1.25%1.75%Sep 14, 2026: 1.25% APYSep 14, 2026Oct 14, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
6611 Carmel Road, Charlotte, NC 28226
TD Choice CD 5 Year
$250
1.00% ▼ 1.98% below North Carolina avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.98%▼ 1.98% below avgNationally 2.91%
Details

Non-Promotional; Balance: $250.00 - $9,999.99

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
128 S Tryon St, Charlotte, NC 28202
Jumbo CD - 5-Year Jumbo
$100,000
0.50% ▼ 2.48% below North Carolina avg
View
▼
Rate0.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.98%▼ 2.48% below avgNationally 2.91%
Details

Jumbo CDs

Rate History
No change since Oct 14, 2026 · 0.50% APY
0.00%0.50%1.00%Oct 14, 2026: 0.50% APYOct 14, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
128 S Tryon St, Charlotte, NC 28202
Term CD - 5-Year Term
$1,000
0.50% ▼ 2.48% below North Carolina avg
View
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.98%▼ 2.48% below avgNationally 2.91%
Details

Term Certificates of Deposit (CD)

Rate History
No change since Oct 14, 2026 · 0.50% APY
0.00%0.50%1.00%Oct 14, 2026: 0.50% APYOct 14, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2000 Randolph Rd, Charlotte, NC 28207
60 Month Certificate of Deposit
$0
0.03% ▼ 2.95% below North Carolina avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.98%▼ 2.95% below avgNationally 2.91%
Details

Balance: $25,000.00 and above; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2000 Randolph Rd, Charlotte, NC 28207
IRA CD - 60 Months
$250
0.03% ▼ 2.95% below North Carolina avg
View
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.98%▼ 2.95% below avgNationally 2.91%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 2 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2000 Randolph Rd, Charlotte, NC 28207
60 Month Certificate of Deposit
$0
0.02% ▼ 2.96% below North Carolina avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.98%▼ 2.96% below avgNationally 2.91%
Details

Balance: $1,000.00 - $24,999.99; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2000 Randolph Rd, Charlotte, NC 28207
IRA CD - 60 Months
$250
0.02% ▼ 2.96% below North Carolina avg
View
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.98%▼ 2.96% below avgNationally 2.91%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 2 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2000 Randolph Rd, Charlotte, NC 28207
60 Month Certificate of Deposit
$0
0.01% ▼ 2.97% below North Carolina avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.98%▼ 2.97% below avgNationally 2.91%
Details

Balance: $1.00 - $999.99; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
2000 Randolph Rd, Charlotte, NC 28207
IRA CD - 60 Months
$250
0.01% ▼ 2.97% below North Carolina avg
View
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.98%▼ 2.97% below avgNationally 2.91%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year IRA Certificate - Roth
$500
4.60% ▲ 1.62% above North Carolina avg
View
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.98%▲ 1.62% above avgNationally 2.91%
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 14, 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%
5 Year IRA Certificate - Traditional
$500
4.60% ▲ 1.62% above North Carolina avg
View
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.98%▲ 1.62% above avgNationally 2.91%
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 14, 2026
  • Oct 13, 20264.60%▲ from 3.40%
  • Oct 9, 20263.40%first recorded
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
60-Month Certificate
$250
4.50% ▲ 1.52% above North Carolina avg
View
▼
Rate4.41%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.98%▲ 1.52% above avgNationally 2.91%
Details

Effective 09/28/2026

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 14, 2026
  • Oct 1, 20264.50%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.20%
60 Month Fixed Rate Certificate
$0
4.11% ▲ 1.13% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.98%▲ 1.13% above avgNationally 2.91%
Details

Rate History
No change since Sep 24, 2026 · 4.11% APY · checked 2 times
3.61%4.11%4.61%Sep 24, 2026: 4.11% APYSep 24, 2026Oct 14, 2026
TCP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Share Term Certificate - 60 Month
$250
3.95% ▲ 0.97% above North Carolina avg
View
▼
Rate3.90%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.98%▲ 0.97% above avgNationally 2.91%
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 14, 2026
  • Sep 18, 20263.95%▲ from 3.34%
  • Sep 14, 20263.34%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year ESA Long-Term Certificate
$0
3.90% ▲ 0.92% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.98%▲ 0.92% above avgNationally 2.91%
Details

Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 4 times
3.40%3.90%4.40%Sep 30, 2026: 3.90% APYSep 30, 2026Oct 14, 2026
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
IRA Certificate - 60 Months (Reg/Roth/Educ)
$100,000
3.90% ▲ 0.92% above North Carolina avg
View
▼
Rate3.83%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.98%▲ 0.92% above avgNationally 2.91%
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 14, 2026
  • Sep 25, 20263.90%▲ from 3.10%
  • Sep 18, 20263.10%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year ESA Long-Term Certificate
$0
3.85% ▲ 0.87% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.98%▲ 0.87% above avgNationally 2.91%
Details

Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Sep 30, 2026: 3.85% APYSep 30, 2026Oct 14, 2026
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 Charlotte, North Carolina Institutions

Highest verified APYs available today, updated October 14, 2026

B Top 5 Bank Rates
Flagstar Bank, National Association
12 Month Business CD
D 3.3 ★ TX: 35.11%
Min: $500
4.30%
Mechanics & Farmers Bank
12-Month CD
A+ 5.0 ★ TX: 3.41%
Min: $0
4.01%
CIT Bank
Term CD - 1-Year Term
A 5.0 ★ TX: 7.72%
Min: $1,000
4.00%
Paramount Bank
CD & IRA - 12 Months
A 5.0 ★ TX: 8.70%
Min: $1,000
3.50%
Truist
CD - 12-Month Special Rate
A+ 5.0 ★ TX: 2.87%
Min: $0
3.25%
CU Top 5 Credit Union Rates
Truliant Federal Credit Union
Limited-Time 12 Month Term
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
5 Year Regular, IRA & Business Jumbo Certificates
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%
State Employees Credit Union
Share Term Certificates (STCs) - 18 months
A- 5.0 ★ TX: 14.13%
Min: $250
4.30%
Rates verified October 14, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Charlotte, NC CD Rate Trends

Compare local Charlotte, NC 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
3.140%
▲ 0.029 vs 7 days ago

North Carolina 12-month CD rates rose 0.029 points over the past 7 days to 3.140% APY.

6-Month CD NC Avg
2.881%
Unchanged vs 7 days ago

North Carolina 6-month CD rates currently average 2.881% APY based on data from institutions in our monitoring network.

As of Oct 14, 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
3.140%
6-Month Forecast
3.140%
Range: 2.94%, 3.29%
12-Month Forecast
3.390%
Range: 3.19%, 3.54%

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 1.24% 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 1.889% $94.46 $188.91 $472.28 $944.55
6-Month CD 2.881% $144.03 $288.05 $720.13 $1,440.25
12-Month CD 3.140% $156.98 $313.95 $784.88 $1,569.75
18-Month CD 3.027% $151.36 $302.72 $756.80 $1,513.60
24-Month CD 3.120% $156.01 $312.02 $780.05 $1,560.10
36-Month CD 2.927% $146.34 $292.68 $731.70 $1,463.40
48-Month CD 2.724% $136.22 $272.44 $681.10 $1,362.20
60-Month CD 2.975% $148.76 $297.52 $743.80 $1,487.60
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 14, 2026.
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Sample CD Ladder for Charlotte, 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 1.889% $94.46
2 6-Month CD $5,000 2.881% $144.03
3 12-Month CD $5,000 3.140% $156.98
4 24-Month CD $5,000 3.120% $156.01
5 36-Month CD $5,000 2.927% $146.34
Total ($25,000 invested) $25,000 2.791% blended $697.82/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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881
CD Rates
Tracked in Charlotte, North Carolina
24 Banks 54 Credit Unions

About Our Charlotte, North Carolina CD Rate Database

MonitorBankRates tracks 881 CD rates from 24 banks and 54 credit unions with locations in Charlotte, 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 Charlotte, North Carolina.

How to Find the Best CD Rates in Charlotte, North Carolina

What to compare when shopping for a CD in Charlotte, North Carolina

To find the best APYs in Charlotte, North Carolina, start with credit unions and online-only banks: Charlotte, North Carolina has 54 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 Charlotte, 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 Charlotte, North Carolina: 78 institutions here report CD rates

Consider an Alternative If…

Charlotte, North Carolina Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024

Population 65+
11.0%
National avg: 17.3%
Median Individual Earnings
$47,587
National avg: $47,340
Poverty Rate
11.7%
National avg: 11.1%
Unemployment Rate
4.6%
National avg: 4.8%
CD Earnings on 10% of Salary
$149/yr
At NC 12-mo avg 3.140% APY

11.0% of residents are 65 or older, below the national average of 17.3%. At today’s NC 12-month CD average of 3.140%, saving 10% of the local median salary ($4,758/year) and putting it in a CD would earn an additional $149 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 Charlotte, 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 Charlotte, 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 Charlotte, 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 Charlotte, North Carolina as everywhere in the U.S.

Choosing a CD Term in Charlotte, 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 Charlotte, North Carolina savers easier access to their funds. For example, Skyla Federal Credit Union is offering its 6 Month Jumbo 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 5 Year Regular, IRA & Business Jumbo Certificates 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 Charlotte, 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 Charlotte, 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 Charlotte, 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 Charlotte, 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 Charlotte, North Carolina

Most CDs carry a fixed rate that is locked for the entire term, protecting a Charlotte, 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 Charlotte, North Carolina

Are CD rates in Charlotte, North Carolina FDIC insured?

Yes, most established banks in Charlotte, 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 Charlotte, 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 Charlotte, 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 Charlotte, 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 Charlotte, North Carolina?

Here are recent top rates found for this area:
  • Truliant Federal Credit Union: 5.00% APY (Limited-Time 12 Month Term)
  • Piedmont Advantage Credit Union: 5.00% APY (12 Month Special Limited Term Certificate)
  • Advancial Federal Credit Union: 4.87% APY (5 Year Regular, IRA & Business Jumbo Certificates)
  • Skyla Federal Credit Union: 4.75% APY (48 Month Elite Jumbo CD)
  • State Employees Credit Union: 4.30% APY (Share Term Certificates (STCs) - 18 months)
  • Flagstar Bank, National Association: 4.30% APY (12 Month Business CD)
  • Founders Federal Credit Union: 4.27% APY (Fixed Rate IRA Certificates - 60 Month Certificate)
  • Civic Federal Credit Union: 4.20% APY (24 Month Business Jumbo Choice Certificate 24)
  • Carolinas Telco Federal Credit Union: 4.07% APY (24 Month Share Certificate Accounts)
  • Mechanics & Farmers Bank: 4.01% APY (12-Month CD)
Rates reflect recent verified offers available in Charlotte, North Carolina. Last Updated: October 14, 2026

Charlotte, 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 Charlotte, 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 Charlotte, North Carolina CD Rates by Term

Verified October 14, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Charlotte, 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 Charlotte, North Carolina

Charlotte, 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.

Charlotte, North Carolina CD Ladder

NC CD rates currently range from 1.889% (3-month) to 2.927% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Charlotte, 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 3.140% 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 Charlotte, 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 Charlotte, 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 Charlotte, 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 14, 2026

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