High Point, North Carolina Best CD Rates October 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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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.
High Point, North Carolina CD rates range from 0.01% to 5.00% APY, verified by MonitorBankRates as of October 15, 2026. Current High Point, North Carolina CD rates include Truliant Federal Credit UnionTruliant Federal Credit Union4006 Mendenhall Oaks Pkwy, High Point, NC 27265A5.0 ★Texas Ratio: 6.43%Real return: +2.20%APY minus CPI (February 2026) offering Limited-Time 12 Month Term at 5.00% APY, State Employees Credit UnionState Employees Credit Union3850 JOHN GORDON LN, HIGH POINT, NC 27265A-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, CIT BankCIT Bank700 N Main St, High Point, NC 27262A5.0 ★Texas Ratio: 7.72%Real return: +1.20%APY minus CPI (February 2026) offering Term CD - 1-Year Term at 4.00% APY, Latino Community Credit UnionLatino Community Credit Union2305 Westchester Dr, High Point, NC 27262 8028A5.0 ★Texas Ratio: 6.08%Real return: +1.15%APY minus CPI (February 2026) offering 60 Month Term Certificates Jumbo at 3.95% APY, and Members Credit Union Winston Salem, NCMembers Credit Union Winston Salem, NC3925 Sedgebrook St, High Point, NC 27265A+5.0 ★Texas Ratio: 2.03%Real return: +0.86%APY minus CPI (February 2026) offering 24 Month Certificate at 3.66% APY. CD rates as of October 15, 2026 according to verified data from MonitorBankRates.
High Point has 171 local institutions in our database, with CD rates as high as 5.00% APY from Truliant Federal Credit Union at 4006 Mendenhall Oaks Pkwy, High Point, NC 27265. 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 15, 2026
Compare Best CD Rates in High Point, North Carolina & the Surrounding Area
High Point 3 Month CD Rates
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%
4006 Mendenhall Oaks Pkwy, High Point, NC 27265
3 Month Term
$0
2.50%
▲ 0.64% above North Carolina avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average1.86%▲ 0.64% above avgNationally 2.12%
Details
Regular & IRA Certificates
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 7 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
4006 Mendenhall Oaks Pkwy, High Point, NC 27265
Business 3 Month Term Certificate
$0
2.50%
▲ 0.64% above North Carolina avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average1.86%▲ 0.64% above avgNationally 2.12%
Details
Rate History
No change since Oct 14, 2026 · 2.50% APY
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
4006 Mendenhall Oaks Pkwy, High Point, NC 27265
3 Month Term
$0
2.45%
▲ 0.59% above North Carolina avg
▼
Rate2.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average1.86%▲ 0.59% above avgNationally 2.12%
Details
Regular & IRA Certificates
Rate History
No change since Sep 18, 2026 · 2.45% APY · checked 7 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
4006 Mendenhall Oaks Pkwy, High Point, NC 27265
Business 3 Month Term Certificate
$0
2.45%
▲ 0.59% above North Carolina avg
▼
Rate2.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average1.86%▲ 0.59% above avgNationally 2.12%
Details
Rate History
No change since Oct 14, 2026 · 2.45% APY
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
4006 Mendenhall Oaks Pkwy, High Point, NC 27265
3 Month Term
$0
2.40%
▲ 0.54% above North Carolina avg
▼
Rate2.37%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average1.86%▲ 0.54% above avgNationally 2.12%
Details
Regular & IRA Certificates
Rate History
No change since Sep 18, 2026 · 2.40% APY · checked 7 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
4006 Mendenhall Oaks Pkwy, High Point, NC 27265
Business 3 Month Term Certificate
$0
2.40%
▲ 0.54% above North Carolina avg
▼
Rate2.37%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average1.86%▲ 0.54% above avgNationally 2.12%
Details
Rate History
No change since Oct 14, 2026 · 2.40% APY
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3015 E River Way, High Point, NC 27265
IRA Certificate - 3 Month
$500
2.40%
▲ 0.54% above North Carolina avg
▼
Rate2.37%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average1.86%▲ 0.54% above avgNationally 2.12%
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 Oct 13, 2026 · 2.40% APY · checked 2 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
4006 Mendenhall Oaks Pkwy, High Point, NC 27265
3 Month Term
$0
2.34%
▲ 0.48% above North Carolina avg
▼
Rate2.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average1.86%▲ 0.48% above avgNationally 2.12%
Details
Regular & IRA Certificates
Rate History
No change since Sep 18, 2026 · 2.34% APY · checked 7 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
4006 Mendenhall Oaks Pkwy, High Point, NC 27265
Business 3 Month Term Certificate
$0
2.34%
▲ 0.48% above North Carolina avg
▼
Rate2.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average1.86%▲ 0.48% above avgNationally 2.12%
Details
Rate History
No change since Oct 14, 2026 · 2.34% APY
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3015 E River Way, High Point, NC 27265
Certificates - 3 Month
$500
2.30%
▲ 0.44% above North Carolina avg
▼
Rate2.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average1.86%▲ 0.44% above avgNationally 2.12%
Details
Balance: $500.00 - $250,000.00; Dividend range: 2.27% - 2.47%; APY range: 2.30% - 2.50%
Rate History
No change since Oct 15, 2026 · 2.30% APY
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2628 S Main St, High Point, NC 27263
Certificate of Deposit 3 Month
$500
2.00%
▲ 0.14% above North Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average1.86%▲ 0.14% above avgNationally 2.12%
Details
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 8 times
Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
3870 John Gordon Ln, High Point, NC 27265
3 Month CD
$500
0.50%
▼ 1.36% below North Carolina avg
▼
Rate0.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Carolina Average1.86%▼ 1.36% below avgNationally 2.12%
Details
Rate History
No change since Sep 15, 2026 · 0.50% APY · checked 5 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1700 N Main St, High Point, NC 27262
3 month Standard Fixed Rate CD - Relationship
$2,500
0.06%
▼ 1.80% below North Carolina avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average1.86%▼ 1.80% below avgNationally 2.12%
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
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1700 N Main St, High Point, NC 27262
3 month Standard Fixed Rate CD
$2,500
0.05%
▼ 1.81% below North Carolina avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average1.86%▼ 1.81% below avgNationally 2.12%
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
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
620 N Main St, High Point, NC 27260
3 Month CD
$1,000
0.05%
▼ 1.81% below North Carolina avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average1.86%▼ 1.81% below avgNationally 2.12%
Details
Standard rate; Truist offers any term from 7 days to 60 months at this rate, all balance tiers; rates accurate as of 5/12/2026
Rate History
No change since Oct 15, 2026 · 0.05% APY
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
3 Month Certificate
$5,000
3.75%
▲ 1.89% above North Carolina avg
▼
Rate3.69%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average1.86%▲ 1.89% above avgNationally 2.12%
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
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
Regular Certificate 3 Month
$0
3.50%
▲ 1.64% above North Carolina avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average1.86%▲ 1.64% above avgNationally 2.12%
Details
Regular Certificates
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 4 times
Live Oak Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.23%
3 Month Business CD
$0
3.00%
▲ 1.14% above North Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average1.86%▲ 1.14% above avgNationally 2.12%
Details
Rate History
No change since Oct 14, 2026 · 3.00% APY
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
3 Month Standard CDs and IRAs
$0
3.00%
▲ 1.14% above North Carolina avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average1.86%▲ 1.14% above avgNationally 2.12%
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
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3 Month Regular, IRA & Business Jumbo Certificates
$0
2.65%
▲ 0.79% above North Carolina avg
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average1.86%▲ 0.79% above avgNationally 2.12%
Details
Rate History
1 change since Sep 18, 2026 · 2.55% → 2.65% ▲ 0.10 pts · high 2.65% / low 2.55%
- 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%
3 Month Regular, IRA & Business Junior Jumbo Certificates
$0
2.55%
▲ 0.69% above North Carolina avg
▼
Rate2.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average1.86%▲ 0.69% above avgNationally 2.12%
Details
Rate History
1 change since Sep 18, 2026 · 2.45% → 2.55% ▲ 0.10 pts · high 2.55% / low 2.45%
- Oct 1, 20262.55%▲ from 2.45%
- Sep 18, 20262.45%first recorded
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
3 Month Certificate
$500
2.50%
▲ 0.64% above North Carolina avg
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average1.86%▲ 0.64% above avgNationally 2.12%
Details
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 7 times
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3 Month Regular, IRA & Business Certificates
$0
2.45%
▲ 0.59% above North Carolina avg
▼
Rate2.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average1.86%▲ 0.59% above avgNationally 2.12%
Details
Rate History
1 change since Sep 18, 2026 · 2.34% → 2.45% ▲ 0.11 pts · high 2.45% / low 2.34%
- Oct 1, 20262.45%▲ from 2.34%
- Sep 18, 20262.34%first recorded
Revity Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.13%
3 Month Jumbo & Jumbo IRA Certificates
$50,000
2.33%
▲ 0.47% above North Carolina avg
▼
Rate2.30%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average1.86%▲ 0.47% above avgNationally 2.12%
Details
Rate History
No change since Oct 5, 2026 · 2.33% APY · checked 3 times
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%
▲ 0.47% above North Carolina avg
▼
Rate2.30%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average1.86%▲ 0.47% above avgNationally 2.12%
Details
Rate History
No change since Oct 5, 2026 · 2.33% APY · checked 3 times
Revity Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.13%
3 Month Regular & IRA Certificates
$500
2.33%
▲ 0.47% above North Carolina avg
▼
Rate2.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average1.86%▲ 0.47% above avgNationally 2.12%
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
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
3 Month Share Certificate
$0
2.15%
▲ 0.29% above North Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average1.86%▲ 0.29% above avgNationally 2.12%
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
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
3 Month Young Certificates
$0
2.15%
▲ 0.29% above North Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average1.86%▲ 0.29% above avgNationally 2.12%
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
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
IRA Certificates - 3 Months
$0
2.15%
▲ 0.29% above North Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average1.86%▲ 0.29% above avgNationally 2.12%
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
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
90 Day Standard Personal Share Certificates
$0
2.02%
▲ 0.16% above North Carolina avg
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average1.86%▲ 0.16% above avgNationally 2.12%
Details
Opening deposit of $10,000.00 and above; Early withdrawal penalties may apply and reduce earnings.
Rate History
No change since Oct 12, 2026 · 2.02% APY · checked 2 times
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
Standard Personal Share Certificates - 90 Days
$0
1.92%
▲ 0.06% above North Carolina avg
▼
Rate1.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average1.86%▲ 0.06% above avgNationally 2.12%
Details
Balance: $500.00 - $9,999.99
Rate History
No change since Oct 12, 2026 · 1.92% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 3 Months
$0
1.55%
▼ 0.31% below North Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average1.86%▼ 0.31% below avgNationally 2.12%
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
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 3 Months
$0
1.50%
▼ 0.36% below North Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average1.86%▼ 0.36% below avgNationally 2.12%
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
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Share and IRA Certificates - 3 Months
$0
1.50%
▼ 0.36% below North Carolina avg
▼
Rate1.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average1.86%▼ 0.36% below avgNationally 2.12%
Details
Effective Date: October 01, 2026; APY with Bonus Rate: 1.60%; Bonus rate of 0.10% APY when the Tax Reported Owner is an Ultra Checking owner with average monthly balance of at least $1.00; Minimum balance for consumer is $500; Early withdrawal penalty may apply
Rate History
No change since Oct 12, 2026 · 1.50% APY · checked 2 times
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Share Certificate - 3 Months
$500
1.50%
▼ 0.36% below North Carolina avg
▼
Rate1.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average1.86%▼ 0.36% below avgNationally 2.12%
Details
Dividend Rate: 1.492%; APY with Bonus Rate: 1.60%; Minimum balance for consumer is $500; Penalty may apply for early withdrawal; Fees may reduce earnings
Rate History
1 change since Sep 12, 2026 · 1.25% → 1.50% ▲ 0.25 pts · high 1.50% / low 1.25%
- Oct 2, 20261.50%▲ from 1.25%
- Sep 12, 20261.25%first recorded
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3 Month CD
$0
1.00%
▼ 0.86% below North Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average1.86%▼ 0.86% below avgNationally 2.12%
Details
Balance: $250.00 - $9,999.99
Rate History
No change since Sep 18, 2026 · 1.00% APY · checked 2 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3 Month TD Choice CD
$0
1.00%
▼ 0.86% below North Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average1.86%▼ 0.86% below avgNationally 2.12%
Details
Balance: $250.00 - $9,999.99; Standard APY
Rate History
No change since Oct 2, 2026 · 1.00% APY · checked 2 times
Fort Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
3 Month Regular Term Share Certificate
$500
1.00%
▼ 0.86% below North Carolina avg
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average1.86%▼ 0.86% below avgNationally 2.12%
Details
Dividend Rate: 1.00%; Type: FIXED; Non-IRA and IRA Term Share Certificates; Early withdrawal penalty: loss of 90 days of dividends (term 24 months or less)
Rate History
No change since Oct 15, 2026 · 1.00% APY
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
Business Share Certificates - 3 Month
$100,000
0.90%
▼ 0.96% below North Carolina avg
▼
Rate0.90%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average1.86%▼ 0.96% below avgNationally 2.12%
Details
Balance: $100,000 and over
Rate History
No change since Sep 18, 2026 · 0.90% APY · checked 6 times
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
Share Certificates - 3 Month
$100,000
0.90%
▼ 0.96% below North Carolina avg
▼
Rate0.90%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average1.86%▼ 0.96% below avgNationally 2.12%
Details
Balance: $100,000 minimum
Rate History
No change since Sep 14, 2026 · 0.90% APY · checked 7 times
Benchmark Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
Regular Time Deposits & IRAs - 3 Months - Premium
$500
0.85%
▼ 1.01% below North Carolina avg
▼
Rate0.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average1.86%▼ 1.01% below avgNationally 2.12%
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
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
Business Share Certificates - 3 Month
$500
0.85%
▼ 1.01% below North Carolina avg
▼
Rate0.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average1.86%▼ 1.01% below avgNationally 2.12%
Details
Balance: $500 - $99,999.99
Rate History
No change since Sep 18, 2026 · 0.85% APY · checked 6 times
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
Share Certificates - 3 Month
$500
0.85%
▼ 1.01% below North Carolina avg
▼
Rate0.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average1.86%▼ 1.01% below avgNationally 2.12%
Details
Balance: $500 minimum
Rate History
No change since Sep 14, 2026 · 0.85% APY · checked 7 times
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
90-Day Certificate - Premier Member
$500
0.80%
▼ 1.06% below North Carolina avg
▼
Rate0.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average1.86%▼ 1.06% below avgNationally 2.12%
Details
Premier member; APY | Dividend Rate; minimum balance to open a certificate is $500
Rate History
No change since Oct 8, 2026 · 0.80% APY · checked 3 times
First Bank Strasburg, VA
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
3 Month Certificates of Deposit (CD)
$500
0.75%
▼ 1.11% below North Carolina avg
▼
Rate0.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average1.86%▼ 1.11% below avgNationally 2.12%
Details
Interest compounds quarterly; early withdrawal fees apply
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 6 times
Benchmark Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
Regular Time Deposits & IRAs - 3 Months
$500
0.60%
▼ 1.26% below North Carolina avg
▼
Rate0.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average1.86%▼ 1.26% below avgNationally 2.12%
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
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
3 Month Standard CDs - Rewards
$0
0.60%
▼ 1.26% below North Carolina avg
▼
Rate0.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average1.86%▼ 1.26% below avgNationally 2.12%
Details
Rewards APY
Rate History
No change since Oct 14, 2026 · 0.60% APY
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
90-Day Certificate
$500
0.55%
▼ 1.31% below North Carolina avg
▼
Rate0.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average1.86%▼ 1.31% below avgNationally 2.12%
Details
Non-premier member; APY | Dividend Rate; minimum balance to open a certificate is $500
Rate History
1 change since Sep 14, 2026 · 0.80% → 0.55% ▼ 0.25 pts · high 0.80% / low 0.55%
- Oct 15, 20260.55%▼ from 0.80%
- Sep 14, 20260.80%first recorded
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
3 Month Standard Rate CDs
$500
0.50%
▼ 1.36% below North Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average1.86%▼ 1.36% below avgNationally 2.12%
Details
Rate History
No change since Sep 18, 2026 · 0.50% APY · checked 5 times
Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
Business Edge - 90 Day Certificate
$1,000
0.50%
▼ 1.36% below North Carolina avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average1.86%▼ 1.36% below avgNationally 2.12%
Details
Business Edge
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 5 times
High Point 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.13%
3850 JOHN GORDON LN, HIGH POINT, NC 27265
Share Term Certificates (STCs) - 6 months
$250
3.85%
▲ 0.98% above North Carolina avg
▼
Rate3.85%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.87%▲ 0.98% above avgNationally 2.78%
Details
Interest rate and APY shown as 3.85% / 3.85% APY
Rate History
No change since Oct 13, 2026 · 3.85% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
700 N Main St, High Point, NC 27262
Term CD - 6-Month Term
$1,000
3.75%
▲ 0.88% above North Carolina avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.87%▲ 0.88% above avgNationally 2.78%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 3.75% APY
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
2305 Westchester Dr, High Point, NC 27262 8028
6 Month Term Certificates Jumbo
$200,000
3.40%
▲ 0.53% above North Carolina avg
▼
Rate3.40%
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.87%▲ 0.53% above avgNationally 2.78%
Details
$200K
Rate History
No change since Oct 14, 2026 · 3.40% APY
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
2305 Westchester Dr, High Point, NC 27262 8028
6 Month Term Certificates Jumbo
$100,000
3.35%
▲ 0.48% above North Carolina avg
▼
Rate3.35%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.87%▲ 0.48% above avgNationally 2.78%
Details
$100k
Rate History
No change since Oct 14, 2026 · 3.35% APY
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
3925 Sedgebrook St, High Point, NC 27265
6 Month Certificate
$500
3.25%
▲ 0.38% above North Carolina avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.87%▲ 0.38% above avgNationally 2.78%
Details
Rate History
1 change since Sep 14, 2026 · 3.10% → 3.25% ▲ 0.15 pts · high 3.25% / low 3.10%
- Oct 9, 20263.25%▲ from 3.10%
- Sep 14, 20263.10%first recorded
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
2305 Westchester Dr, High Point, NC 27262 8028
Share Term Certificates Regular - 6 Months
$500
3.20%
▲ 0.33% above North Carolina avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.87%▲ 0.33% above avgNationally 2.78%
Details
Effective as of October 1st, 2026
Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 2 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
4006 Mendenhall Oaks Pkwy, High Point, NC 27265
6 Month Term
$0
3.00%
▲ 0.13% above North Carolina avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.87%▲ 0.13% above avgNationally 2.78%
Details
Regular & IRA Certificates
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 7 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
4006 Mendenhall Oaks Pkwy, High Point, NC 27265
Business 6 Month Term Certificate
$0
3.00%
▲ 0.13% above North Carolina avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.87%▲ 0.13% above avgNationally 2.78%
Details
Rate History
No change since Oct 14, 2026 · 3.00% APY
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
4006 Mendenhall Oaks Pkwy, High Point, NC 27265
6 Month Term
$0
2.95%
▲ 0.08% above North Carolina avg
▼
Rate2.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.87%▲ 0.08% above avgNationally 2.78%
Details
Regular & IRA Certificates
Rate History
No change since Sep 18, 2026 · 2.95% APY · checked 7 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
4006 Mendenhall Oaks Pkwy, High Point, NC 27265
Business 6 Month Term Certificate
$0
2.95%
▲ 0.08% above North Carolina avg
▼
Rate2.91%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.87%▲ 0.08% above avgNationally 2.78%
Details
Rate History
No change since Oct 14, 2026 · 2.95% APY
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
4006 Mendenhall Oaks Pkwy, High Point, NC 27265
6 Month Term
$0
2.90%
▲ 0.03% above North Carolina avg
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.87%▲ 0.03% above avgNationally 2.78%
Details
Regular & IRA Certificates
Rate History
No change since Sep 18, 2026 · 2.90% APY · checked 7 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
4006 Mendenhall Oaks Pkwy, High Point, NC 27265
Business 6 Month Term Certificate
$0
2.90%
▲ 0.03% above North Carolina avg
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.87%▲ 0.03% above avgNationally 2.78%
Details
Rate History
No change since Oct 14, 2026 · 2.90% APY
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
4006 Mendenhall Oaks Pkwy, High Point, NC 27265
6 Month Term
$0
2.84%
▼ 0.03% below North Carolina avg
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.87%▼ 0.03% below avgNationally 2.78%
Details
Regular & IRA Certificates
Rate History
No change since Sep 18, 2026 · 2.84% APY · checked 7 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
4006 Mendenhall Oaks Pkwy, High Point, NC 27265
Business 6 Month Term Certificate
$0
2.84%
▼ 0.03% below North Carolina avg
▼
Rate2.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.87%▼ 0.03% below avgNationally 2.78%
Details
Rate History
No change since Oct 14, 2026 · 2.84% APY
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3015 E River Way, High Point, NC 27265
IRA Certificate - 6 Month
$500
2.45%
▼ 0.42% below North Carolina avg
▼
Rate2.42%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average2.87%▼ 0.42% below avgNationally 2.78%
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 Oct 13, 2026 · 2.45% APY · checked 2 times
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3015 E River Way, High Point, NC 27265
Certificates - 6 Month
$500
2.35%
▼ 0.52% below North Carolina avg
▼
Rate2.32%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average2.87%▼ 0.52% below avgNationally 2.78%
Details
Balance: $500.00 - $250,000.00; Dividend range: 2.32% - 2.52%; APY range: 2.35% - 2.55%
Rate History
No change since Oct 15, 2026 · 2.35% APY
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2628 S Main St, High Point, NC 27263
Certificate of Deposit 6 Month
$500
2.25%
▼ 0.62% below North Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.87%▼ 0.62% below avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 8 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2628 S Main St, High Point, NC 27263
IRA 6 Month
$500
2.25%
▼ 0.62% below North Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.87%▼ 0.62% below avgNationally 2.78%
Details
Rate History
No change since Oct 14, 2026 · 2.25% APY
Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
3870 John Gordon Ln, High Point, NC 27265
6 Month CD
$500
1.75%
▼ 1.12% below North Carolina avg
▼
Rate1.73%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Carolina Average2.87%▼ 1.12% below avgNationally 2.78%
Details
Rate History
No change since Sep 15, 2026 · 1.75% APY · checked 5 times
Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
3870 John Gordon Ln, High Point, NC 27265
6 Month Fixed
$100
1.75%
▼ 1.12% below North Carolina avg
▼
Rate1.73%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Carolina Average2.87%▼ 1.12% below avgNationally 2.78%
Details
Rate History
No change since Sep 15, 2026 · 1.75% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1700 N Main St, High Point, NC 27262
6 month Standard Fixed Rate CD - Relationship
$2,500
0.06%
▼ 2.81% below North Carolina avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.87%▼ 2.81% below avgNationally 2.78%
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
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1700 N Main St, High Point, NC 27262
6 month Standard Fixed Rate CD
$2,500
0.05%
▼ 2.82% below North Carolina avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.87%▼ 2.82% below avgNationally 2.78%
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
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
620 N Main St, High Point, NC 27260
6 Month CD
$1,000
0.05%
▼ 2.82% below North Carolina avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average2.87%▼ 2.82% below avgNationally 2.78%
Details
Standard rate; Truist offers any term from 7 days to 60 months at this rate, all balance tiers; rates accurate as of 5/12/2026
Rate History
No change since Oct 15, 2026 · 0.05% APY
Live Oak Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.23%
6 Month Business CD
$0
4.20%
▲ 1.33% above North Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.87%▲ 1.33% above avgNationally 2.78%
Details
Rate History
No change since Oct 14, 2026 · 4.20% APY
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
6 Month Jumbo CD
$50,000
4.10%
▲ 1.23% above North Carolina avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.87%▲ 1.23% above avgNationally 2.78%
Details
Rate History
1 change since Sep 21, 2026 · 3.75% → 4.10% ▲ 0.35 pts · high 4.10% / low 3.75%
- Oct 5, 20264.10%▲ from 3.75%
- Sep 21, 20263.75%first recorded
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
6 Month Certificate
$500
4.10%
▲ 1.23% above North Carolina avg
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.87%▲ 1.23% above avgNationally 2.78%
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%
- Sep 27, 20264.10%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
6-Month Business CD
$2,500
4.10%
▲ 1.23% above North Carolina avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.87%▲ 1.23% above avgNationally 2.78%
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
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
6-Month CD
$2,500
4.10%
▲ 1.23% above North Carolina avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.87%▲ 1.23% above avgNationally 2.78%
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%
- Oct 10, 20264.10%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.95%
6 Month Share Certificate
$500
4.02%
▲ 1.15% above North Carolina avg
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.87%▲ 1.15% above avgNationally 2.78%
Details
Rate History
1 change since Sep 14, 2026 · 3.56% → 4.02% ▲ 0.46 pts · high 4.02% / low 3.56%
- Oct 13, 20264.02%▲ from 3.56%
- Sep 14, 20263.56%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
6 Month IRA Traditional & Roth CD
$500
4.00%
▲ 1.13% above North Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.87%▲ 1.13% above avgNationally 2.78%
Details
Rate History
1 change since Sep 21, 2026 · 3.65% → 4.00% ▲ 0.35 pts · high 4.00% / low 3.65%
- 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%
6 Month Regular CD
$500
4.00%
▲ 1.13% above North Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.87%▲ 1.13% above avgNationally 2.78%
Details
Rate History
1 change since Sep 21, 2026 · 3.65% → 4.00% ▲ 0.35 pts · high 4.00% / low 3.65%
- Oct 5, 20264.00%▲ from 3.65%
- Sep 21, 20263.65%first recorded
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
6-Month Certificate
$250
4.00%
▲ 1.13% above North Carolina avg
▼
Rate3.93%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.87%▲ 1.13% above avgNationally 2.78%
Details
Effective 07/14/2026
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 8 times
CAROLINA
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
6 Month CD
$0
3.90%
▲ 1.03% above North Carolina avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.87%▲ 1.03% above avgNationally 2.78%
Details
Rate History
1 change since Sep 14, 2026 · 3.60% → 3.90% ▲ 0.30 pts · high 3.90% / low 3.60%
- Oct 6, 20263.90%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
6 Month Business Jumbo Choice Certificate 6
$75,000
3.80%
▲ 0.93% above North Carolina avg
▼
Rate3.73%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average2.87%▲ 0.93% above avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 9 times
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
6 Month Jumbo Choice Certificate 6
$75,000
3.80%
▲ 0.93% above North Carolina avg
▼
Rate3.73%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average2.87%▲ 0.93% above avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 9 times
Mcdowell Cornerstone Credit Union CU
Institution Rating:
A5.0 ★Texas Ratio: 8.17%
6 Month Certificate
$1,000
3.80%
▲ 0.93% above North Carolina avg
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.87%▲ 0.93% above avgNationally 2.78%
Details
Rate History
1 change since Sep 18, 2026 · 3.91% → 3.80% ▼ 0.11 pts · high 3.91% / low 3.80%
- Oct 9, 20263.80%▼ from 3.91%
- Sep 18, 20263.91%first recorded
First Carolina Peoples Credit Union
Institution Rating:
F2.0 ★Texas Ratio: 51.11%
6 Month Share Certificates
$0
3.80%
▲ 0.93% above North Carolina avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.87%▲ 0.93% above avgNationally 2.78%
Details
Rate History
No change since Sep 18, 2026 · 3.80% APY · checked 2 times
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
Regular Certificate 6 Month
$0
3.75%
▲ 0.88% above North Carolina avg
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.87%▲ 0.88% above avgNationally 2.78%
Details
Regular Certificates
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 4 times
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
IRA Certificate - 6 Months (Reg/Roth/Educ)
$100,000
3.70%
▲ 0.83% above North Carolina avg
▼
Rate3.64%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average2.87%▲ 0.83% above avgNationally 2.78%
Details
Member may bump the certificate rate 1 time over the life of the certificate; Early withdrawal penalty may apply at 15-day x original term of dividends on amount withdrawn
Rate History
1 change since Sep 18, 2026 · 3.25% → 3.70% ▲ 0.45 pts · high 3.70% / low 3.25%
- Sep 25, 20263.70%▲ from 3.25%
- Sep 18, 20263.25%first recorded
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
6 Month IRA Choice Certificate 6
$250
3.70%
▲ 0.83% above North Carolina avg
▼
Rate3.63%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average2.87%▲ 0.83% above avgNationally 2.78%
Details
IRA
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 9 times
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
IRA Share Certificate (180 Day)
$500
3.70%
▲ 0.83% above North Carolina avg
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.87%▲ 0.83% above avgNationally 2.78%
Details
IRA; applicable to Roth and Traditional IRA share certificate deposits; dividends compounded and posted monthly; early withdrawal subject to penalty
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 5 times
Roxboro Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
6 Month Certificates of Deposit (CDs)
$500
3.65%
▲ 0.78% above North Carolina avg
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.87%▲ 0.78% above avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 5 times
Roxboro Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
Certificates of Deposit - 6 Months
$500
3.65%
▲ 0.78% above North Carolina avg
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.87%▲ 0.78% above avgNationally 2.78%
Details
$500 Minimum Deposit
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
Certificate - 6 Months
$100,000
3.65%
▲ 0.78% above North Carolina avg
▼
Rate3.59%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average2.87%▲ 0.78% above avgNationally 2.78%
Details
Rate History
1 change since Sep 14, 2026 · 3.20% → 3.65% ▲ 0.45 pts · high 3.65% / low 3.20%
- Sep 25, 20263.65%▲ from 3.20%
- Sep 14, 20263.20%first recorded
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
IRA Certificate - 6 Months (Reg/Roth/Educ)
$1,000
3.65%
▲ 0.78% above North Carolina avg
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average2.87%▲ 0.78% above avgNationally 2.78%
Details
Member may bump the certificate rate 1 time over the life of the certificate; Early withdrawal penalty may apply at 15-day x original term of dividends on amount withdrawn
Rate History
1 change since Sep 18, 2026 · 3.25% → 3.65% ▲ 0.40 pts · high 3.65% / low 3.25%
- Sep 25, 20263.65%▲ from 3.25%
- Sep 18, 20263.25%first recorded
Excite Credit Union
Institution Rating:
A4.9 ★Texas Ratio: 5.41%
6 Month Business Certificate
$500
3.65%
▲ 0.78% above North Carolina avg
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.87%▲ 0.78% above avgNationally 2.78%
Details
Earn up to 3.65% APY* / 3.590% Dividend Rate; Business Share Certificate; Open a certificate with as little as $500
Rate History
No change since Sep 22, 2026 · 3.65% APY · checked 5 times
Riverside Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Certificate
$0
3.61%
▲ 0.74% above North Carolina avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Carolina Average2.87%▲ 0.74% above avgNationally 2.78%
Details
Balance: $1,000 - $1,000
Rate History
No change since Sep 24, 2026 · 3.61% APY · checked 5 times
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
Certificate - 6 Months
$1,000
3.60%
▲ 0.73% above North Carolina avg
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average2.87%▲ 0.73% above avgNationally 2.78%
Details
Rate History
1 change since Sep 14, 2026 · 3.15% → 3.60% ▲ 0.45 pts · high 3.60% / low 3.15%
- Sep 25, 20263.60%▲ from 3.15%
- Sep 14, 20263.15%first recorded
RTP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
Business Certificate Accounts - 6 Months
$250
3.56%
▲ 0.69% above North Carolina avg
▼
Rate3.50%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average2.87%▲ 0.69% above avgNationally 2.78%
Details
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.56% ▲ 0.26 pts · high 3.56% / low 3.30%
- Oct 5, 20263.56%▲ from 3.30%
- Sep 14, 20263.30%first recorded
RTP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
Certificate - 6 Months
$250
3.56%
▲ 0.69% above North Carolina avg
▼
Rate3.50%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average2.87%▲ 0.69% above avgNationally 2.78%
Details
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.56% ▲ 0.26 pts · high 3.56% / low 3.30%
- Oct 5, 20263.56%▲ from 3.30%
- Sep 14, 20263.30%first recorded
High Point 12 Month CD Rates
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%
4006 Mendenhall Oaks Pkwy, High Point, NC 27265
Limited-Time 12 Month Term
$0
5.00%
▲ 1.89% above North Carolina avg
▼
Rate4.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.11%▲ 1.89% above avgNationally 2.99%
Details
Regular & IRA Certificates; new external funds required
Rate History
No change since Oct 14, 2026 · 5.00% APY
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.13%
3850 JOHN GORDON LN, HIGH POINT, NC 27265
Share Term Certificates (STCs) - 12 months
$250
4.00%
▲ 0.89% above North Carolina avg
▼
Rate4.00%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.11%▲ 0.89% 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
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
700 N Main St, High Point, NC 27262
Term CD - 1-Year Term
$1,000
4.00%
▲ 0.89% above North Carolina avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.11%▲ 0.89% above avgNationally 2.99%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 4.00% APY
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
2305 Westchester Dr, High Point, NC 27262 8028
12 Month Term Certificates Jumbo
$200,000
3.70%
▲ 0.59% above North Carolina avg
▼
Rate3.70%
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.11%▲ 0.59% above avgNationally 2.99%
Details
$200K
Rate History
No change since Oct 14, 2026 · 3.70% APY
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
2305 Westchester Dr, High Point, NC 27262 8028
12 Month Term Certificates Jumbo
$100,000
3.65%
▲ 0.54% above North Carolina avg
▼
Rate3.65%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.11%▲ 0.54% above avgNationally 2.99%
Details
$100k
Rate History
No change since Oct 14, 2026 · 3.65% APY
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
2305 Westchester Dr, High Point, NC 27262 8028
Share Term Certificates Regular - 12 Months
$500
3.50%
▲ 0.39% above North Carolina avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.11%▲ 0.39% 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%
- Oct 14, 20263.50%▲ from 3.40%
- Sep 14, 20263.40%first recorded
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
3925 Sedgebrook St, High Point, NC 27265
12 Month Certificate
$2,000
3.45%
▲ 0.34% above North Carolina avg
▼
Rate3.40%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.11%▲ 0.34% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.45% ▲ 0.15 pts · high 3.45% / low 3.30%
- Oct 9, 20263.45%▲ from 3.30%
- Sep 14, 20263.30%first recorded
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
620 N Main St, High Point, NC 27260
12 Month CD Special
$0
3.25%
▲ 0.14% above North Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average3.11%▲ 0.14% above avgNationally 2.99%
Details
Featured rate on select new CD accounts with balances of $100,000 and above; APY accurate as of 7/28/2026
Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 2 times
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3015 E River Way, High Point, NC 27265
IRA Certificate - 12 Month
$500
3.25%
▲ 0.14% above North Carolina avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average3.11%▲ 0.14% 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 Oct 13, 2026 · 3.25% APY · checked 2 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
4006 Mendenhall Oaks Pkwy, High Point, NC 27265
12 Month Term
$0
3.15%
▲ 0.04% above North Carolina avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.11%▲ 0.04% above avgNationally 2.99%
Details
Regular & IRA Certificates
Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 7 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
4006 Mendenhall Oaks Pkwy, High Point, NC 27265
Business 12 Month Term Certificate
$0
3.15%
▲ 0.04% above North Carolina avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.11%▲ 0.04% above avgNationally 2.99%
Details
Rate History
No change since Oct 14, 2026 · 3.15% APY
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3015 E River Way, High Point, NC 27265
Certificates - 12 Month
$500
3.15%
▲ 0.04% above North Carolina avg
▼
Rate3.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average3.11%▲ 0.04% above avgNationally 2.99%
Details
Balance: $500.00 - $250,000.00; Dividend range: 3.10% - 3.30%; APY range: 3.15% - 3.35%
Rate History
No change since Oct 15, 2026 · 3.15% APY
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
4006 Mendenhall Oaks Pkwy, High Point, NC 27265
12 Month Term
$0
3.10%
▼ 0.01% below North Carolina avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.11%▼ 0.01% below avgNationally 2.99%
Details
Regular & IRA Certificates
Rate History
No change since Sep 18, 2026 · 3.10% APY · checked 7 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
4006 Mendenhall Oaks Pkwy, High Point, NC 27265
Business 12 Month Term Certificate
$0
3.10%
▼ 0.01% below North Carolina avg
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.11%▼ 0.01% below avgNationally 2.99%
Details
Rate History
No change since Oct 14, 2026 · 3.10% APY
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
4006 Mendenhall Oaks Pkwy, High Point, NC 27265
12 Month Term
$0
3.05%
▼ 0.06% below North Carolina avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.11%▼ 0.06% below avgNationally 2.99%
Details
Regular & IRA Certificates
Rate History
No change since Sep 18, 2026 · 3.05% APY · checked 7 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
4006 Mendenhall Oaks Pkwy, High Point, NC 27265
Business 12 Month Term Certificate
$0
3.05%
▼ 0.06% below North Carolina avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.11%▼ 0.06% below avgNationally 2.99%
Details
Rate History
No change since Oct 14, 2026 · 3.05% APY
Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
3870 John Gordon Ln, High Point, NC 27265
12 Month Fixed
$100
3.00%
▼ 0.11% below North Carolina avg
▼
Rate2.96%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Carolina Average3.11%▼ 0.11% below avgNationally 2.99%
Details
Rate History
No change since Sep 15, 2026 · 3.00% APY · checked 3 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
4006 Mendenhall Oaks Pkwy, High Point, NC 27265
12 Month Term
$0
2.99%
▼ 0.12% below North Carolina avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.11%▼ 0.12% below avgNationally 2.99%
Details
Regular & IRA Certificates
Rate History
No change since Sep 18, 2026 · 2.99% APY · checked 7 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
4006 Mendenhall Oaks Pkwy, High Point, NC 27265
Business 12 Month Term Certificate
$0
2.99%
▼ 0.12% below North Carolina avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.11%▼ 0.12% below avgNationally 2.99%
Details
Rate History
No change since Oct 14, 2026 · 2.99% APY
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
700 N Main St, High Point, NC 27262
12 Month Certificate of Deposit
$500
2.00%
▼ 1.11% below North Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.11%▼ 1.11% 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
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2628 S Main St, High Point, NC 27263
Certificate of Deposit 1 Year
$500
2.00%
▼ 1.11% below North Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.11%▼ 1.11% below avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 8 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2628 S Main St, High Point, NC 27263
IRA 1 Year
$500
2.00%
▼ 1.11% below North Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.11%▼ 1.11% below avgNationally 2.99%
Details
Rate History
No change since Oct 14, 2026 · 2.00% APY
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1700 N Main St, High Point, NC 27262
1 year Standard Fixed Rate CD - Relationship
$2,500
1.51%
▼ 1.60% below North Carolina avg
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.11%▼ 1.60% below avgNationally 2.99%
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 · 1.51% APY · checked 3 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1700 N Main St, High Point, NC 27262
1 year Standard Fixed Rate CD
$2,500
1.50%
▼ 1.61% below North Carolina avg
▼
Rate1.49%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.11%▼ 1.61% below avgNationally 2.99%
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 · 1.50% APY · checked 3 times
Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
3870 John Gordon Ln, High Point, NC 27265
12 Month CD
$500
1.01%
▼ 2.10% below North Carolina avg
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Carolina Average3.11%▼ 2.10% below avgNationally 2.99%
Details
Rate History
No change since Sep 15, 2026 · 1.01% APY · checked 5 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
700 N Main St, High Point, NC 27262
RampUp CD - 1-Year RampUp Plus
$25,000
0.25%
▼ 2.86% below North Carolina avg
▼
Rate0.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.11%▼ 2.86% below avgNationally 2.99%
Details
Ramp Up CDs
Rate History
No change since Oct 14, 2026 · 0.25% APY
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
620 N Main St, High Point, NC 27260
12 Month CD
$1,000
0.05%
▼ 3.06% below North Carolina avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average3.11%▼ 3.06% below avgNationally 2.99%
Details
Standard rate; Truist offers any term from 7 days to 60 months at this rate, all balance tiers; rates accurate as of 5/12/2026
Rate History
1 change since Sep 27, 2026 · 3.25% → 0.05% ▼ 3.20 pts · high 3.25% / low 0.05%
- Oct 15, 20260.05%▼ from 3.25%
- Sep 27, 20263.25%first recorded
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
12 Month Special Limited Term Certificate
$5,000
5.00%
▲ 1.89% above North Carolina avg
▼
Rate4.88%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.11%▲ 1.89% above avgNationally 2.99%
Details
Rate History
No change since Oct 9, 2026 · 5.00% APY · checked 3 times
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
Traditional 12-Month IRA Certificate - Premier Member
$500
4.50%
▲ 1.39% above North Carolina avg
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average3.11%▲ 1.39% above avgNationally 2.99%
Details
Premier member rate; APY | Dividend Rate; minimum balance to open an IRA certificate is $500; Traditional & Roth Certificates Rates
Rate History
No change since Oct 12, 2026 · 4.50% APY · checked 2 times
Live Oak Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.23%
1 Year Business CD
$0
4.40%
▲ 1.29% above North Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.11%▲ 1.29% above avgNationally 2.99%
Details
Rate History
No change since Oct 14, 2026 · 4.40% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Special EasyStart Certificate
$50
4.35%
▲ 1.24% above North Carolina avg
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.11%▲ 1.24% above avgNationally 2.99%
Details
Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 5 times
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
12 Month Elite Jumbo CD
$250,000
4.35%
▲ 1.24% above North Carolina avg
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.11%▲ 1.24% 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%
- Oct 5, 20264.35%▲ from 4.00%
- Sep 21, 20264.00%first recorded
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
12 Month Certificate
$500
4.30%
▲ 1.19% above North Carolina avg
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.11%▲ 1.19% above avgNationally 2.99%
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 · 4.25% → 4.30% ▲ 0.05 pts · high 4.30% / low 4.25%
- Sep 27, 20264.30%▲ from 4.25%
- Sep 14, 20264.25%first recorded
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
12 Month Business CD
$500
4.30%
▲ 1.19% above North Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.11%▲ 1.19% 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
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
12-Month CD
$500
4.30%
▲ 1.19% above North Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.11%▲ 1.19% 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%
- Oct 10, 20264.30%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
Traditional 12-Month IRA Certificate
$500
4.25%
▲ 1.14% above North Carolina avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average3.11%▲ 1.14% above avgNationally 2.99%
Details
Non-premier member rate; APY | Dividend Rate; minimum balance to open an IRA certificate is $500; Traditional & Roth Certificates Rates
Rate History
1 change since Sep 14, 2026 · 4.50% → 4.25% ▼ 0.25 pts · high 4.50% / low 4.25%
- Sep 25, 20264.25%▼ from 4.50%
- Sep 14, 20264.50%first recorded
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
IRA Certificate 1 Year Starter Add-On
$0
4.25%
▲ 1.14% above North Carolina avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.11%▲ 1.14% above avgNationally 2.99%
Details
Balance: $1 - $1,000; Traditional, Roth & Coverdell Education; Add funds at any time throughout the certificate term up to $1,000; Rates Set: Monthly; Early withdrawal penalty applies; Must have a Regular IRA Savings Account in order to open; Limit One Per Member Under 18 Years of Age
Rate History
No change since Oct 6, 2026 · 4.25% APY · checked 3 times
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
12 Month Jumbo CD
$50,000
4.20%
▲ 1.09% above North Carolina avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.11%▲ 1.09% 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%
- Oct 5, 20264.20%▲ from 3.85%
- Sep 21, 20263.85%first recorded
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.95%
12 Month Share Certificate
$500
4.18%
▲ 1.07% above North Carolina avg
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.11%▲ 1.07% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.87% → 4.18% ▲ 0.31 pts · high 4.18% / low 3.87%
- Oct 13, 20264.18%▲ from 3.87%
- Sep 14, 20263.87%first recorded
Lions Share Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 17.46%
12-Month IRA CD
$500
4.15%
▲ 1.04% above North Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.11%▲ 1.04% above avgNationally 2.99%
Details
IRA Share Certificate (Traditional & Roth); $500 minimum
Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 7 times
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
12-Month Certificate
$250
4.15%
▲ 1.04% above North Carolina avg
▼
Rate4.07%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.11%▲ 1.04% above avgNationally 2.99%
Details
Effective 09/28/2026
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
- Oct 1, 20264.15%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 12 Months
$0
4.10%
▲ 0.99% above North Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.11%▲ 0.99% above avgNationally 2.99%
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 · 4.10% APY
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
12 Month Business Jumbo Choice Certificate 12
$75,000
4.10%
▲ 0.99% above North Carolina avg
▼
Rate4.02%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average3.11%▲ 0.99% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 9 times
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
12 Month Jumbo Choice Certificate 12
$75,000
4.10%
▲ 0.99% above North Carolina avg
▼
Rate4.02%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average3.11%▲ 0.99% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 9 times
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
1 Year IRA Traditional & Roth CD
$500
4.10%
▲ 0.99% above North Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.11%▲ 0.99% 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%
- 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%
12 Month Regular CD
$500
4.10%
▲ 0.99% above North Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.11%▲ 0.99% 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%
- Oct 5, 20264.10%▲ from 3.75%
- Sep 21, 20263.75%first recorded
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
Starter Certificate - 1 Year Add-On
$0
4.10%
▲ 0.99% above North Carolina avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.11%▲ 0.99% above avgNationally 2.99%
Details
Maximum Balance: $1,000; Add funds throughout the certificate term; Rates Set: Monthly; Limit One Per Member; Early withdrawal penalty applies
Rate History
No change since Oct 6, 2026 · 4.10% APY · checked 3 times
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
Young Saver's Certificates - 1 Year Add-On
$0
4.10%
▲ 0.99% above North Carolina avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.11%▲ 0.99% above avgNationally 2.99%
Details
Balance: $1 - $1,000; Maximum Balance $1,000; Add funds at any time throughout the certificate term up to $1,000; Rates Set: Monthly; Limit One Per Member Under 18 Years of Age; Early withdrawal penalty applies
Rate History
No change since Oct 14, 2026 · 4.10% APY
Duke University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
6-12 Month IRA Certificate
$500
4.08%
▲ 0.97% above North Carolina avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average3.11%▲ 0.97% above avgNationally 2.99%
Details
Rate History
1 change since Sep 25, 2026 · 3.82% → 4.08% ▲ 0.26 pts · high 4.08% / low 3.82%
- Oct 13, 20264.08%▲ from 3.82%
- Sep 25, 20263.82%first recorded
Duke University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
6-12 Month Share Certificate
$500
4.08%
▲ 0.97% above North Carolina avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average3.11%▲ 0.97% above avgNationally 2.99%
Details
Rate History
1 change since Sep 25, 2026 · 3.82% → 4.08% ▲ 0.26 pts · high 4.08% / low 3.82%
- Oct 13, 20264.08%▲ from 3.82%
- Sep 25, 20263.82%first recorded
High Point 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.13%
3850 JOHN GORDON LN, HIGH POINT, NC 27265
Share Term Certificates (STCs) - 18 months
$250
4.30%
▲ 1.28% above North Carolina avg
▼
Rate4.30%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.02%▲ 1.28% 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
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
2305 Westchester Dr, High Point, NC 27262 8028
18 Month Term Certificates Jumbo
$200,000
3.75%
▲ 0.73% above North Carolina avg
▼
Rate3.75%
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.02%▲ 0.73% above avgNationally 2.88%
Details
$200K
Rate History
No change since Oct 14, 2026 · 3.75% APY
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
2305 Westchester Dr, High Point, NC 27262 8028
18 Month Term Certificates Jumbo
$100,000
3.70%
▲ 0.68% above North Carolina avg
▼
Rate3.70%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.02%▲ 0.68% above avgNationally 2.88%
Details
$100k
Rate History
No change since Oct 14, 2026 · 3.70% APY
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
2305 Westchester Dr, High Point, NC 27262 8028
Share Term Certificates Regular - 18 Months
$500
3.55%
▲ 0.53% above North Carolina avg
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.02%▲ 0.53% 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
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
3925 Sedgebrook St, High Point, NC 27265
18 Month Certificate
$2,000
3.45%
▲ 0.43% above North Carolina avg
▼
Rate3.40%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.02%▲ 0.43% above avgNationally 2.88%
Details
Rate History
1 change since Sep 14, 2026 · 3.30% → 3.45% ▲ 0.15 pts · high 3.45% / low 3.30%
- Oct 9, 20263.45%▲ from 3.30%
- Sep 14, 20263.30%first recorded
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
4006 Mendenhall Oaks Pkwy, High Point, NC 27265
18 Month Term
$0
3.20%
▲ 0.18% above North Carolina avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.02%▲ 0.18% above avgNationally 2.88%
Details
Regular & IRA Certificates
Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 7 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
4006 Mendenhall Oaks Pkwy, High Point, NC 27265
18 Month Term
$0
3.15%
▲ 0.13% above North Carolina avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.02%▲ 0.13% above avgNationally 2.88%
Details
Regular & IRA Certificates
Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 7 times
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3015 E River Way, High Point, NC 27265
IRA Certificate - 18 Month
$500
3.15%
▲ 0.13% above North Carolina avg
▼
Rate3.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average3.02%▲ 0.13% 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 Oct 13, 2026 · 3.15% APY · checked 2 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
4006 Mendenhall Oaks Pkwy, High Point, NC 27265
18 Month Term
$0
3.10%
▲ 0.08% above North Carolina avg
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.02%▲ 0.08% above avgNationally 2.88%
Details
Regular & IRA Certificates
Rate History
No change since Sep 18, 2026 · 3.10% APY · checked 7 times
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3015 E River Way, High Point, NC 27265
Certificates - 18 Month
$500
3.05%
▲ 0.03% above North Carolina avg
▼
Rate3.01%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average3.02%▲ 0.03% above avgNationally 2.88%
Details
Balance: $500.00 - $250,000.00; Dividend range: 3.01% - 3.20%; APY range: 3.05% - 3.25%
Rate History
No change since Oct 15, 2026 · 3.05% APY
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
4006 Mendenhall Oaks Pkwy, High Point, NC 27265
18 Month Term
$0
3.04%
▲ 0.02% above North Carolina avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.02%▲ 0.02% above avgNationally 2.88%
Details
Regular & IRA Certificates
Rate History
No change since Sep 18, 2026 · 3.04% APY · checked 7 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
700 N Main St, High Point, NC 27262
Term CD - 18-Month Term
$1,000
2.75%
▼ 0.27% below North Carolina avg
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.02%▼ 0.27% below avgNationally 2.88%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 2.75% APY
Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
3870 John Gordon Ln, High Point, NC 27265
18 Month Fixed
$100
1.10%
▼ 1.92% below North Carolina avg
▼
Rate1.09%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Carolina Average3.02%▼ 1.92% below avgNationally 2.88%
Details
Rate History
No change since Sep 15, 2026 · 1.10% APY · checked 3 times
Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
3870 John Gordon Ln, High Point, NC 27265
18 Month CD
$500
1.01%
▼ 2.01% below North Carolina avg
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Carolina Average3.02%▼ 2.01% below avgNationally 2.88%
Details
Rate History
No change since Sep 15, 2026 · 1.01% APY · checked 5 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
620 N Main St, High Point, NC 27260
18 Month CD
$1,000
0.05%
▼ 2.97% below North Carolina avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average3.02%▼ 2.97% below avgNationally 2.88%
Details
Standard rate; Truist offers any term from 7 days to 60 months at this rate, all balance tiers; rates accurate as of 5/12/2026
Rate History
No change since Oct 15, 2026 · 0.05% APY
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
700 N Main St, High Point, NC 27262
18 Month Certificate of Deposit
$500
0.02%
▼ 3.00% below North Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.02%▼ 3.00% 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
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.95%
18 Month Share Certificate
$500
4.49%
▲ 1.47% above North Carolina avg
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.02%▲ 1.47% 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%
- Oct 13, 20264.49%▲ from 3.56%
- Sep 14, 20263.56%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
18 Month Jumbo CD
$50,000
4.45%
▲ 1.43% above North Carolina avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.02%▲ 1.43% 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%
- Oct 13, 20264.45%▲ from 4.25%
- Oct 5, 20264.25%▲ from 3.90%
- Sep 21, 20263.90%first recorded
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
18 Month Certificate
$500
4.40%
▲ 1.38% above North Carolina avg
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.02%▲ 1.38% 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%
- Sep 27, 20264.40%▲ from 4.20%
- Sep 14, 20264.20%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
18 Month Regular CD
$500
4.35%
▲ 1.33% above North Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.02%▲ 1.33% 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%
- Oct 13, 20264.35%▲ from 4.15%
- Oct 5, 20264.15%▲ from 3.80%
- Sep 21, 20263.80%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
18 Month Jumbo CD
$50,000
4.25%
▲ 1.23% above North Carolina avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.02%▲ 1.23% 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%
- 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%
18-Month CD
$500
4.25%
▲ 1.23% above North Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.02%▲ 1.23% 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
Live Oak Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.23%
18 Month Business CD
$0
4.20%
▲ 1.18% above North Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.02%▲ 1.18% above avgNationally 2.88%
Details
Rate History
No change since Oct 14, 2026 · 4.20% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.15%
▲ 1.13% above North Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.02%▲ 1.13% 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
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
18 Month IRA Traditional & Roth CD
$500
4.15%
▲ 1.13% above North Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.02%▲ 1.13% 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%
- 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%
18 Month Regular CD
$500
4.15%
▲ 1.13% above North Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.02%▲ 1.13% 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%
- Oct 5, 20264.15%▲ from 3.80%
- Sep 21, 20263.80%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.10%
▲ 1.08% above North Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.02%▲ 1.08% 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
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
18 Month Business Jumbo Choice Certificate 18
$75,000
4.10%
▲ 1.08% above North Carolina avg
▼
Rate4.02%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average3.02%▲ 1.08% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 9 times
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
18 Month Jumbo Choice Certificate 18
$75,000
4.10%
▲ 1.08% above North Carolina avg
▼
Rate4.02%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average3.02%▲ 1.08% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 9 times
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
18-Month Certificate
$250
4.10%
▲ 1.08% above North Carolina avg
▼
Rate4.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.02%▲ 1.08% above avgNationally 2.88%
Details
Effective 06/22/2026
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 8 times
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
12 - 18 Month Business Choice Certificate 18
$500
4.00%
▲ 0.98% above North Carolina avg
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average3.02%▲ 0.98% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
12 - 18 Month Choice Certificate 18
$250
4.00%
▲ 0.98% above North Carolina avg
▼
Rate3.92%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average3.02%▲ 0.98% above avgNationally 2.88%
Details
Effective Date: 09/2/2026
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
18 Month IRA Choice Certificate 18
$250
4.00%
▲ 0.98% above North Carolina avg
▼
Rate3.92%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average3.02%▲ 0.98% above avgNationally 2.88%
Details
IRA
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
IRA Share Certificate (18 Month)
$500
3.90%
▲ 0.88% above North Carolina avg
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.02%▲ 0.88% 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
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
18 Month Standard Personal Share Certificates
$0
3.87%
▲ 0.85% above North Carolina avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average3.02%▲ 0.85% above avgNationally 2.88%
Details
Opening deposit of $10,000.00 and above; Early withdrawal penalties may apply and reduce earnings.
Rate History
No change since Oct 12, 2026 · 3.87% APY · checked 2 times
TCP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Share Term Certificate - 18 Month
$250
3.85%
▲ 0.83% above North Carolina avg
▼
Rate3.80%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.02%▲ 0.83% above avgNationally 2.88%
Details
Fixed Rate
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 5 times
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
IRA Certificate - 18 Months (Reg/Roth/Educ)
$1,000
3.80%
▲ 0.78% above North Carolina avg
▼
Rate3.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average3.02%▲ 0.78% above avgNationally 2.88%
Details
Early withdrawal penalty may apply at 15-day x original term of dividends on amount withdrawn
Rate History
1 change since Sep 18, 2026 · 3.05% → 3.80% ▲ 0.75 pts · high 3.80% / low 3.05%
- Sep 25, 20263.80%▲ from 3.05%
- Sep 18, 20263.05%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month CD Specials - Regular
$0
3.80%
▲ 0.78% above North Carolina avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.02%▲ 0.78% above avgNationally 2.88%
Details
Regular APY
Rate History
No change since Oct 14, 2026 · 3.80% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month IRA CD Specials - Regular APY
$0
3.80%
▲ 0.78% above North Carolina avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.02%▲ 0.78% above avgNationally 2.88%
Details
Regular APY; Dividend Rate 3.74%
Rate History
No change since Oct 14, 2026 · 3.80% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18 Month IRA CD Specials - Rewards APY
$0
3.80%
▲ 0.78% above North Carolina avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.02%▲ 0.78% above avgNationally 2.88%
Details
Rewards APY; Dividend Rate 3.74%
Rate History
No change since Oct 14, 2026 · 3.80% APY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
CD Specials 18-month term
$0
3.80%
▲ 0.78% above North Carolina avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.02%▲ 0.78% above avgNationally 2.88%
Details
Rate History
1 change since Sep 27, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.80% / low 3.65%
- Oct 14, 20263.80%▲ from 3.65%
- Sep 27, 20263.65%first recorded
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
Standard Personal Share Certificates - 18 Months
$0
3.76%
▲ 0.74% above North Carolina avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average3.02%▲ 0.74% above avgNationally 2.88%
Details
Balance: $500.00 - $9,999.99
Rate History
No change since Oct 12, 2026 · 3.76% APY · checked 2 times
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
Traditional IRA Certificate - 18 Months
$500
3.76%
▲ 0.74% above North Carolina avg
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average3.02%▲ 0.74% above avgNationally 2.88%
Details
Opening deposit between $500 - $9,999.99; Early withdrawal penalties may apply
Rate History
1 change since Oct 8, 2026 · 3.66% → 3.76% ▲ 0.10 pts · high 3.76% / low 3.66%
- Oct 15, 20263.76%▲ from 3.66%
- Oct 8, 20263.66%first recorded
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
Traditional IRA Certificates - 18 month
$500
3.76%
▲ 0.74% above North Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average3.02%▲ 0.74% above avgNationally 2.88%
Details
Rate History
1 change since Sep 18, 2026 · 3.66% → 3.76% ▲ 0.10 pts · high 3.76% / low 3.66%
- Oct 15, 20263.76%▲ from 3.66%
- Sep 18, 20263.66%first recorded
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
Share Certificate - 18 Months
$1,000
3.75%
▲ 0.73% above North Carolina avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average3.02%▲ 0.73% above avgNationally 2.88%
Details
Maximum Balance to Earn: $250,000.00; Compounds: Monthly
Rate History
No change since Sep 12, 2026 · 3.75% APY · checked 8 times
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
Regular Certificate 18 Month Special
$0
3.75%
▲ 0.73% above North Carolina avg
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.02%▲ 0.73% above avgNationally 2.88%
Details
Regular Certificates; Special rate
Rate History
No change since Oct 6, 2026 · 3.75% APY · checked 3 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month ESA EasyStart Certificate
$50
3.70%
▲ 0.68% above North Carolina avg
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.02%▲ 0.68% above avgNationally 2.88%
Details
Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)
Rate History
No change since Oct 6, 2026 · 3.70% APY · checked 3 times
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
Certificate - 18 Months
$1,000
3.70%
▲ 0.68% above North Carolina avg
▼
Rate3.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average3.02%▲ 0.68% above avgNationally 2.88%
Details
Rate History
1 change since Sep 21, 2026 · 3.00% → 3.70% ▲ 0.70 pts · high 3.70% / low 3.00%
- Sep 25, 20263.70%▲ from 3.00%
- Sep 21, 20263.00%first recorded
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
18 Month Certificate or IRA
$0
3.55%
▲ 0.53% above North Carolina avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average3.02%▲ 0.53% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 9 times
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
Certificate or IRA - 18 Months
$0
3.55%
▲ 0.53% above North Carolina avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average3.02%▲ 0.53% above avgNationally 2.88%
Details
Certificates; Effective as of September 2, 2026
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 9 times
High Point 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.13%
3850 JOHN GORDON LN, HIGH POINT, NC 27265
Share Term Certificates (STCs) - 24 months
$250
4.30%
▲ 1.19% above North Carolina avg
▼
Rate4.30%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.11%▲ 1.19% above avgNationally 2.89%
Details
Interest rate and APY shown as 4.30% / 4.30% APY
Rate History
No change since Oct 13, 2026 · 4.30% APY
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
2305 Westchester Dr, High Point, NC 27262 8028
24 Month Term Certificates Jumbo
$200,000
3.85%
▲ 0.74% above North Carolina avg
▼
Rate3.85%
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.11%▲ 0.74% above avgNationally 2.89%
Details
$200K
Rate History
No change since Oct 14, 2026 · 3.85% APY
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
2305 Westchester Dr, High Point, NC 27262 8028
24 Month Term Certificates Jumbo
$100,000
3.80%
▲ 0.69% above North Carolina avg
▼
Rate3.80%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.11%▲ 0.69% above avgNationally 2.89%
Details
$100k
Rate History
No change since Oct 14, 2026 · 3.80% APY
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
3925 Sedgebrook St, High Point, NC 27265
24 Month Certificate
$2,000
3.66%
▲ 0.55% above North Carolina avg
▼
Rate3.60%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.11%▲ 0.55% above avgNationally 2.89%
Details
Rate History
1 change since Sep 14, 2026 · 3.51% → 3.66% ▲ 0.15 pts · high 3.66% / low 3.51%
- Oct 9, 20263.66%▲ from 3.51%
- Sep 14, 20263.51%first recorded
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3015 E River Way, High Point, NC 27265
IRA Certificate - 2 Year
$500
3.65%
▲ 0.54% above North Carolina avg
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average3.11%▲ 0.54% above avgNationally 2.89%
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 Oct 13, 2026 · 3.65% APY · checked 2 times
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
2305 Westchester Dr, High Point, NC 27262 8028
Share Term Certificates Regular - 24 Months
$500
3.65%
▲ 0.54% above North Carolina avg
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.11%▲ 0.54% above avgNationally 2.89%
Details
Effective as of October 1st, 2026
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 2 times
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3015 E River Way, High Point, NC 27265
Certificates - 2 Year
$500
3.55%
▲ 0.44% above North Carolina avg
▼
Rate3.49%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average3.11%▲ 0.44% above avgNationally 2.89%
Details
Balance: $500.00 - $250,000.00; Dividend range: 3.49% - 3.68%; APY range: 3.55% - 3.75%
Rate History
No change since Oct 15, 2026 · 3.55% APY
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
4006 Mendenhall Oaks Pkwy, High Point, NC 27265
24 Month Term
$0
3.25%
▲ 0.14% above North Carolina avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.11%▲ 0.14% above avgNationally 2.89%
Details
Regular & IRA Certificates
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 7 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
4006 Mendenhall Oaks Pkwy, High Point, NC 27265
Business 24 Month Term Certificate
$0
3.25%
▲ 0.14% above North Carolina avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.11%▲ 0.14% above avgNationally 2.89%
Details
Rate History
No change since Oct 14, 2026 · 3.25% APY
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
4006 Mendenhall Oaks Pkwy, High Point, NC 27265
24 Month Term
$0
3.20%
▲ 0.09% above North Carolina avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.11%▲ 0.09% above avgNationally 2.89%
Details
Regular & IRA Certificates
Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 7 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
4006 Mendenhall Oaks Pkwy, High Point, NC 27265
Business 24 Month Term Certificate
$0
3.20%
▲ 0.09% above North Carolina avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.11%▲ 0.09% above avgNationally 2.89%
Details
Rate History
No change since Oct 14, 2026 · 3.20% APY
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
4006 Mendenhall Oaks Pkwy, High Point, NC 27265
24 Month Term
$0
3.15%
▲ 0.04% above North Carolina avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.11%▲ 0.04% above avgNationally 2.89%
Details
Regular & IRA Certificates
Rate History
No change since Sep 18, 2026 · 3.15% APY · checked 7 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
4006 Mendenhall Oaks Pkwy, High Point, NC 27265
Business 24 Month Term Certificate
$0
3.15%
▲ 0.04% above North Carolina avg
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.11%▲ 0.04% above avgNationally 2.89%
Details
Rate History
No change since Oct 14, 2026 · 3.15% APY
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
4006 Mendenhall Oaks Pkwy, High Point, NC 27265
24 Month Term
$0
3.09%
▼ 0.02% below North Carolina avg
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.11%▼ 0.02% below avgNationally 2.89%
Details
Regular & IRA Certificates
Rate History
No change since Sep 18, 2026 · 3.09% APY · checked 7 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
4006 Mendenhall Oaks Pkwy, High Point, NC 27265
Business 24 Month Term Certificate
$0
3.09%
▼ 0.02% below North Carolina avg
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.11%▼ 0.02% below avgNationally 2.89%
Details
Rate History
No change since Oct 14, 2026 · 3.09% APY
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
4006 Mendenhall Oaks Pkwy, High Point, NC 27265
24 Month FLEX (with 1x rate increase option)
$0
3.08%
▼ 0.03% below North Carolina avg
▼
Rate3.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.11%▼ 0.03% below avgNationally 2.89%
Details
Regular & IRA Certificates; with 1x rate increase option
Rate History
No change since Sep 24, 2026 · 3.08% APY · checked 6 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
4006 Mendenhall Oaks Pkwy, High Point, NC 27265
24 Month FLEX (with 1x rate increase option)
$0
3.03%
▼ 0.08% below North Carolina avg
▼
Rate2.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.11%▼ 0.08% below avgNationally 2.89%
Details
Regular & IRA Certificates; with 1x rate increase option
Rate History
No change since Sep 24, 2026 · 3.03% APY · checked 6 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
4006 Mendenhall Oaks Pkwy, High Point, NC 27265
24 Month FLEX (with 1x rate increase option)
$0
2.98%
▼ 0.13% below North Carolina avg
▼
Rate2.94%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.11%▼ 0.13% below avgNationally 2.89%
Details
Regular & IRA Certificates; with 1x rate increase option
Rate History
No change since Sep 24, 2026 · 2.98% APY · checked 6 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
4006 Mendenhall Oaks Pkwy, High Point, NC 27265
24 Month FLEX (with 1x rate increase option)
$0
2.92%
▼ 0.19% below North Carolina avg
▼
Rate2.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.11%▼ 0.19% below avgNationally 2.89%
Details
Regular & IRA Certificates; with 1x rate increase option
Rate History
No change since Sep 24, 2026 · 2.92% APY · checked 6 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2628 S Main St, High Point, NC 27263
Certificate of Deposit 2 Year
$500
2.25%
▼ 0.86% below North Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.11%▼ 0.86% below avgNationally 2.89%
Details
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 8 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2628 S Main St, High Point, NC 27263
IRA 2 Year
$500
2.25%
▼ 0.86% below North Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.11%▼ 0.86% below avgNationally 2.89%
Details
Rate History
No change since Oct 14, 2026 · 2.25% APY
Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
3870 John Gordon Ln, High Point, NC 27265
24 Month CD
$500
1.10%
▼ 2.01% below North Carolina avg
▼
Rate1.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Carolina Average3.11%▼ 2.01% below avgNationally 2.89%
Details
Rate History
1 change since Sep 15, 2026 · 3.30% → 1.10% ▼ 2.20 pts · high 3.30% / low 1.10%
- Oct 11, 20261.10%▼ from 3.30%
- Sep 15, 20263.30%first recorded
Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
3870 John Gordon Ln, High Point, NC 27265
24 Month Fixed
$100
1.10%
▼ 2.01% below North Carolina avg
▼
Rate1.09%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Carolina Average3.11%▼ 2.01% below avgNationally 2.89%
Details
Rate History
1 change since Sep 15, 2026 · 3.30% → 1.10% ▼ 2.20 pts · high 3.30% / low 1.10%
- Oct 11, 20261.10%▼ from 3.30%
- Sep 15, 20263.30%first recorded
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
700 N Main St, High Point, NC 27262
Jumbo CD - 2-Year Jumbo
$100,000
0.40%
▼ 2.71% below North Carolina avg
▼
Rate0.40%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.11%▼ 2.71% below avgNationally 2.89%
Details
Jumbo CDs
Rate History
No change since Oct 14, 2026 · 0.40% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
700 N Main St, High Point, NC 27262
Term CD - 2-Year Term
$1,000
0.40%
▼ 2.71% below North Carolina avg
▼
Rate0.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.11%▼ 2.71% below avgNationally 2.89%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 0.40% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
700 N Main St, High Point, NC 27262
RampUp CD - 2-Year RampUp Plus
$25,000
0.25%
▼ 2.86% below North Carolina avg
▼
Rate0.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.11%▼ 2.86% below avgNationally 2.89%
Details
Ramp Up CDs
Rate History
No change since Oct 14, 2026 · 0.25% APY
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
700 N Main St, High Point, NC 27262
2 Year Certificate of Deposit
$500
0.05%
▼ 3.06% below North Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.11%▼ 3.06% below avgNationally 2.89%
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
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
620 N Main St, High Point, NC 27260
24 Month CD
$1,000
0.05%
▼ 3.06% below North Carolina avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average3.11%▼ 3.06% below avgNationally 2.89%
Details
Standard rate; Truist offers any term from 7 days to 60 months at this rate, all balance tiers; rates accurate as of 5/12/2026
Rate History
No change since Oct 15, 2026 · 0.05% APY
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.95%
24 Month Share Certificate
$500
4.49%
▲ 1.38% above North Carolina avg
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.11%▲ 1.38% above avgNationally 2.89%
Details
Rate History
1 change since Sep 14, 2026 · 3.56% → 4.49% ▲ 0.93 pts · high 4.49% / low 3.56%
- Oct 13, 20264.49%▲ from 3.56%
- Sep 14, 20263.56%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
24 Month Elite Jumbo CD
$250,000
4.45%
▲ 1.34% above North Carolina avg
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.11%▲ 1.34% above avgNationally 2.89%
Details
Rate History
1 change since Sep 21, 2026 · 4.10% → 4.45% ▲ 0.35 pts · high 4.45% / low 4.10%
- Oct 5, 20264.45%▲ from 4.10%
- Sep 21, 20264.10%first recorded
Duke University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
13-24 Month IRA Certificate
$500
4.34%
▲ 1.23% above North Carolina avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average3.11%▲ 1.23% above avgNationally 2.89%
Details
Rate History
1 change since Sep 25, 2026 · 4.08% → 4.34% ▲ 0.26 pts · high 4.34% / low 4.08%
- Oct 13, 20264.34%▲ from 4.08%
- Sep 25, 20264.08%first recorded
Duke University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
13-24 Month Share Certificate
$500
4.34%
▲ 1.23% above North Carolina avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average3.11%▲ 1.23% above avgNationally 2.89%
Details
Rate History
1 change since Sep 25, 2026 · 4.08% → 4.34% ▲ 0.26 pts · high 4.34% / low 4.08%
- Oct 13, 20264.34%▲ from 4.08%
- Sep 25, 20264.08%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
24 Month Jumbo CD
$50,000
4.30%
▲ 1.19% above North Carolina avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.11%▲ 1.19% above avgNationally 2.89%
Details
Rate History
1 change since Sep 21, 2026 · 3.95% → 4.30% ▲ 0.35 pts · high 4.30% / low 3.95%
- Oct 5, 20264.30%▲ from 3.95%
- Sep 21, 20263.95%first recorded
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
24-Month CD
$1,000
4.25%
▲ 1.14% above North Carolina avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.11%▲ 1.14% above avgNationally 2.89%
Details
Limited time offer; APY effective 08/13/2026, subject to change at any time; interest compounded quarterly; interest rates fixed for the term; early withdrawal penalty applies
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 8 times
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
24 Month Certificate
$500
4.25%
▲ 1.14% above North Carolina avg
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.11%▲ 1.14% above avgNationally 2.89%
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 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15%
- Sep 27, 20264.25%▲ from 4.15%
- Sep 14, 20264.15%first recorded
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
24-Month CD
$500
4.25%
▲ 1.14% above North Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.11%▲ 1.14% above avgNationally 2.89%
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%
- Oct 10, 20264.25%▲ from 3.70%
- Sep 14, 20263.70%first recorded
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
24-Month Certificate
$250
4.25%
▲ 1.14% above North Carolina avg
▼
Rate4.17%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.11%▲ 1.14% above avgNationally 2.89%
Details
Effective 09/01/2026
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 8 times
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
24 Month Business Jumbo Choice Certificate 24
$75,000
4.20%
▲ 1.09% above North Carolina avg
▼
Rate4.12%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average3.11%▲ 1.09% above avgNationally 2.89%
Details
Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 9 times
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
24 Month Jumbo Choice Certificate 24
$75,000
4.20%
▲ 1.09% above North Carolina avg
▼
Rate4.12%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average3.11%▲ 1.09% above avgNationally 2.89%
Details
Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 9 times
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
2 Year IRA Traditional & Roth CD
$500
4.20%
▲ 1.09% above North Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.11%▲ 1.09% above avgNationally 2.89%
Details
Rate History
1 change since Sep 21, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
- 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%
24 Month Regular CD
$500
4.20%
▲ 1.09% above North Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.11%▲ 1.09% above avgNationally 2.89%
Details
Rate History
1 change since Sep 21, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
- Oct 5, 20264.20%▲ from 3.85%
- Sep 21, 20263.85%first recorded
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
Business Share Certificates - 24 Month
$100,000
4.15%
▲ 1.04% above North Carolina avg
▼
Rate4.07%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.11%▲ 1.04% above avgNationally 2.89%
Details
Balance: $100,000 and over
Rate History
1 change since Sep 18, 2026 · 1.90% → 4.15% ▲ 2.25 pts · high 4.15% / low 1.90%
- Oct 10, 20264.15%▲ from 1.90%
- Sep 18, 20261.90%first recorded
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
Share Certificates - 24 Month
$100,000
4.15%
▲ 1.04% above North Carolina avg
▼
Rate4.07%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average3.11%▲ 1.04% above avgNationally 2.89%
Details
Balance: $100,000 minimum
Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 7 times
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
Fixed Rate IRA Certificates - 24 Month Certificate
$500
4.11%
▲ 1.00% above North Carolina avg
▼
Rate4.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average3.11%▲ 1.00% above avgNationally 2.89%
Details
Dividends compounded and credited quarterly; dividend period quarterly
Rate History
No change since Oct 13, 2026 · 4.11% APY · checked 2 times
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
19 - 24 Month Business Choice Certificate 24
$500
4.10%
▲ 0.99% above North Carolina avg
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average3.11%▲ 0.99% above avgNationally 2.89%
Details
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 9 times
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
19 - 24 Month Choice Certificate 24
$250
4.10%
▲ 0.99% above North Carolina avg
▼
Rate4.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average3.11%▲ 0.99% above avgNationally 2.89%
Details
Effective Date: 09/2/2026
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 9 times
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
24 Month IRA Choice Certificate 24
$250
4.10%
▲ 0.99% above North Carolina avg
▼
Rate4.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average3.11%▲ 0.99% above avgNationally 2.89%
Details
IRA
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 9 times
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
24 Month IRA Certificate Accounts
$500
4.07%
▲ 0.96% above North Carolina avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average3.11%▲ 0.96% above avgNationally 2.89%
Details
Rate History
No change since Sep 21, 2026 · 4.07% APY · checked 4 times
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
24 Month Share Certificate Account
$500
4.07%
▲ 0.96% above North Carolina avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average3.11%▲ 0.96% above avgNationally 2.89%
Details
Rate History
No change since Sep 25, 2026 · 4.07% APY · checked 2 times
Lions Share Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 17.46%
24-Month IRA CD
$500
4.00%
▲ 0.89% above North Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average3.11%▲ 0.89% above avgNationally 2.89%
Details
IRA Share Certificate (Traditional & Roth); $500 minimum
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 7 times
High Point 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.13%
3850 JOHN GORDON LN, HIGH POINT, NC 27265
Share Term Certificates (STCs) - 36 months
$250
4.00%
▲ 1.07% above North Carolina avg
▼
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
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
2305 Westchester Dr, High Point, NC 27262 8028
36 Month Term Certificates Jumbo
$200,000
3.90%
▲ 0.97% above North Carolina avg
▼
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
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
2305 Westchester Dr, High Point, NC 27262 8028
36 Month Term Certificates Jumbo
$100,000
3.85%
▲ 0.92% above North Carolina avg
▼
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
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
2305 Westchester Dr, High Point, NC 27262 8028
Share Term Certificates Regular - 36 Months
$500
3.70%
▲ 0.77% above North Carolina avg
▼
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
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
3925 Sedgebrook St, High Point, NC 27265
36 Month Certificate
$2,000
3.66%
▲ 0.73% above North Carolina avg
▼
Rate3.60%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.93%▲ 0.73% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.51% → 3.66% ▲ 0.15 pts · high 3.66% / low 3.51%
- Oct 9, 20263.66%▲ from 3.51%
- Sep 14, 20263.51%first recorded
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
4006 Mendenhall Oaks Pkwy, High Point, NC 27265
36 Month Term
$0
3.30%
▲ 0.37% above North Carolina avg
▼
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
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
4006 Mendenhall Oaks Pkwy, High Point, NC 27265
Business 36 Month Term Certificate
$0
3.30%
▲ 0.37% above North Carolina avg
▼
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
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
4006 Mendenhall Oaks Pkwy, High Point, NC 27265
36 Month Term
$0
3.25%
▲ 0.32% above North Carolina avg
▼
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
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
4006 Mendenhall Oaks Pkwy, High Point, NC 27265
Business 36 Month Term Certificate
$0
3.25%
▲ 0.32% above North Carolina avg
▼
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
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3015 E River Way, High Point, NC 27265
IRA Certificate - 3 Year
$500
3.25%
▲ 0.32% above North Carolina avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 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 Oct 13, 2026 · 3.25% APY · checked 2 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
4006 Mendenhall Oaks Pkwy, High Point, NC 27265
36 Month Term
$0
3.19%
▲ 0.26% above North Carolina avg
▼
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
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
4006 Mendenhall Oaks Pkwy, High Point, NC 27265
Business 36 Month Term Certificate
$0
3.19%
▲ 0.26% above North Carolina avg
▼
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
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3015 E River Way, High Point, NC 27265
Certificates - 3 Year
$500
3.15%
▲ 0.22% above North Carolina avg
▼
Rate3.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average2.93%▲ 0.22% above avgNationally 2.81%
Details
Balance: $500.00 - $250,000.00; Dividend range: 3.10% - 3.30%; APY range: 3.15% - 3.35%
Rate History
No change since Oct 15, 2026 · 3.15% APY
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
4006 Mendenhall Oaks Pkwy, High Point, NC 27265
36 Month Term
$0
3.14%
▲ 0.21% above North Carolina avg
▼
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
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
4006 Mendenhall Oaks Pkwy, High Point, NC 27265
Business 36 Month Term Certificate
$0
3.14%
▲ 0.21% above North Carolina avg
▼
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
Summit Credit Union Greensboro, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
1743 Westchester Dr, High Point, NC 27262
36 Month Jumbo and Jumbo IRA Certificates
$10,000
3.00%
▲ 0.07% above North Carolina avg
▼
Rate2.97%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.93%▲ 0.07% above avgNationally 2.81%
Details
Compounding: Quarterly
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
Summit Credit Union Greensboro, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
1743 Westchester Dr, High Point, NC 27262
36 Month Regular and IRA Certificates
$500
2.75%
▼ 0.18% below North Carolina avg
▼
Rate2.73%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.93%▼ 0.18% below avgNationally 2.81%
Details
Compounding: Quarterly
Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 4 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2628 S Main St, High Point, NC 27263
Certificate of Deposit 3 Year
$500
1.40%
▼ 1.53% below North Carolina avg
▼
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
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2628 S Main St, High Point, NC 27263
IRA 3 Year
$500
1.40%
▼ 1.53% below North Carolina avg
▼
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
Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
3870 John Gordon Ln, High Point, NC 27265
36 Month CD
$500
1.10%
▼ 1.83% below North Carolina avg
▼
Rate1.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Carolina Average2.93%▼ 1.83% below avgNationally 2.81%
Details
Rate History
No change since Sep 15, 2026 · 1.10% APY · checked 5 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
700 N Main St, High Point, NC 27262
Jumbo CD - 3-Year Jumbo
$100,000
0.40%
▼ 2.53% below North Carolina avg
▼
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
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
700 N Main St, High Point, NC 27262
Term CD - 3-Year Term
$1,000
0.40%
▼ 2.53% below North Carolina avg
▼
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
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
700 N Main St, High Point, NC 27262
RampUp CD - 3-Year RampUp
$25,000
0.25%
▼ 2.68% below North Carolina avg
▼
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
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
700 N Main St, High Point, NC 27262
3 Year Certificate of Deposit
$500
0.05%
▼ 2.88% below North Carolina avg
▼
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
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
620 N Main St, High Point, NC 27260
36 Month CD
$1,000
0.05%
▼ 2.88% below North Carolina avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average2.93%▼ 2.88% below avgNationally 2.81%
Details
Standard rate; Truist offers any term from 7 days to 60 months at this rate, all balance tiers; rates accurate as of 5/12/2026
Rate History
No change since Oct 15, 2026 · 0.05% APY
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.53%
3 Year Share Certificates
$500
4.50%
▲ 1.57% above North Carolina avg
▼
Rate4.43%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average2.93%▲ 1.57% above avgNationally 2.81%
Details
Penalty applies to withdraw principal before maturity; dividends may be withdrawn at any time without penalty; dividends compounded and credited quarterly
Rate History
2 changes since Sep 12, 2026 · 3.50% → 4.50% ▲ 1.00 pts · high 4.50% / low 3.50%
- Oct 15, 20264.50%▲ from 4.25%
- Sep 20, 20264.25%▲ from 3.50%
- Sep 12, 20263.50%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
36 Month Elite Jumbo CD
$250,000
4.50%
▲ 1.57% above North Carolina avg
▼
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%
- 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%
36 Month Jumbo CD
$50,000
4.35%
▲ 1.42% above North Carolina avg
▼
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%
- Oct 5, 20264.35%▲ from 4.00%
- Sep 21, 20264.00%first recorded
Duke University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
25-36 Month IRA Certificate
$500
4.34%
▲ 1.41% above North Carolina avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average2.93%▲ 1.41% above avgNationally 2.81%
Details
Rate History
1 change since Sep 25, 2026 · 4.08% → 4.34% ▲ 0.26 pts · high 4.34% / low 4.08%
- Oct 13, 20264.34%▲ from 4.08%
- Sep 25, 20264.08%first recorded
Duke University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
25-36 Month Share Certificate
$500
4.34%
▲ 1.41% above North Carolina avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average2.93%▲ 1.41% above avgNationally 2.81%
Details
Rate History
1 change since Sep 25, 2026 · 4.08% → 4.34% ▲ 0.26 pts · high 4.34% / low 4.08%
- Oct 13, 20264.34%▲ from 4.08%
- Sep 25, 20264.08%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
3 Year IRA Traditional & Roth CD
$500
4.25%
▲ 1.32% above North Carolina avg
▼
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%
- 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%
36 Month Regular CD
$500
4.25%
▲ 1.32% above North Carolina avg
▼
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%
- 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%
3 Year Regular, IRA & Business Jumbo Certificates
$0
4.24%
▲ 1.31% above North Carolina avg
▼
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%
- 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%
Fixed Rate IRA Certificates - 36 Month Certificate
$500
4.16%
▲ 1.23% above North Carolina avg
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average2.93%▲ 1.23% above avgNationally 2.81%
Details
Dividends compounded and credited quarterly; dividend period quarterly
Rate History
No change since Oct 13, 2026 · 4.16% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$0
4.15%
▲ 1.22% above North Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.93%▲ 1.22% above avgNationally 2.81%
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 · 4.15% APY · checked 4 times
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
Young Saver's Certificates - 3 Years Add-On
$0
4.15%
▲ 1.22% above North Carolina avg
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.93%▲ 1.22% above avgNationally 2.81%
Details
Balance: $1 - $3,000; Maximum Balance $3,000; Add funds at any time throughout the certificate term up to $3,000; Rates Set: Monthly; Limit One Per Member Under 18 Years of Age; Early withdrawal penalty applies
Rate History
No change since Oct 14, 2026 · 4.15% APY
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3 Year Regular, IRA & Business Junior Jumbo Certificates
$0
4.14%
▲ 1.21% above North Carolina avg
▼
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%
- Oct 1, 20264.14%▲ from 3.80%
- Sep 18, 20263.80%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$0
4.10%
▲ 1.17% above North Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.93%▲ 1.17% above avgNationally 2.81%
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 · 4.10% APY · checked 4 times
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.95%
36 Month Share Certificate
$500
4.07%
▲ 1.14% above North Carolina avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.93%▲ 1.14% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.56% → 4.07% ▲ 0.51 pts · high 4.07% / low 3.56%
- Oct 13, 20264.07%▲ from 3.56%
- Sep 14, 20263.56%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3 Year Regular, IRA & Business Certificates
$0
4.03%
▲ 1.10% above North Carolina avg
▼
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%
- Oct 1, 20264.03%▲ from 3.70%
- Sep 18, 20263.70%first recorded
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
36 Month Certificate
$500
4.00%
▲ 1.07% above North Carolina avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.93%▲ 1.07% above avgNationally 2.81%
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 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 1, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
36-Month Certificate
$250
4.00%
▲ 1.07% above North Carolina avg
▼
Rate3.93%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.93%▲ 1.07% above avgNationally 2.81%
Details
Effective 09/28/2026
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
- Oct 1, 20264.00%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
36 Month Business Jumbo Choice Certificate 36
$75,000
3.95%
▲ 1.02% above North Carolina avg
▼
Rate3.88%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average2.93%▲ 1.02% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 9 times
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
36 Month Jumbo Choice Certificate 36
$75,000
3.95%
▲ 1.02% above North Carolina avg
▼
Rate3.88%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average2.93%▲ 1.02% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 9 times
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
36 Month Certificate
$500
3.91%
▲ 0.98% above North Carolina avg
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 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%
- Oct 5, 20263.91%▼ from 4.16%
- Sep 14, 20264.16%first recorded
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
25 - 36 Month Business Choice Certificate 36
$500
3.85%
▲ 0.92% above North Carolina avg
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average2.93%▲ 0.92% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 9 times
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
25 - 36 Month Choice Certificate 36
$250
3.85%
▲ 0.92% above North Carolina avg
▼
Rate3.78%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average2.93%▲ 0.92% above avgNationally 2.81%
Details
Effective Date: 09/2/2026
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 9 times
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
36 Month IRA Choice Certificate 36
$250
3.85%
▲ 0.92% above North Carolina avg
▼
Rate3.78%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average2.93%▲ 0.92% above avgNationally 2.81%
Details
IRA
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 9 times
Lumbee Guaranty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
36 Month Fixed Rate IRA
$0
3.82%
▲ 0.89% above North Carolina avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Carolina Average2.93%▲ 0.89% above avgNationally 2.81%
Details
Rate History
No change since Sep 11, 2026 · 3.82% APY · checked 4 times
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
36 Month IRA Certificate Accounts
$500
3.82%
▲ 0.89% above North Carolina avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 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
High Point 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.13%
3850 JOHN GORDON LN, HIGH POINT, NC 27265
Share Term Certificates (STCs) - 48 months
$250
4.00%
▲ 1.27% above North Carolina avg
▼
Rate4.00%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.73%▲ 1.27% above avgNationally 2.80%
Details
Interest rate and APY shown as 4.00% / 4.00% APY
Rate History
No change since Oct 13, 2026 · 4.00% APY
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
2305 Westchester Dr, High Point, NC 27262 8028
48 Month Term Certificates Jumbo
$200,000
3.93%
▲ 1.20% above North Carolina avg
▼
Rate3.93%
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.73%▲ 1.20% above avgNationally 2.80%
Details
$200K
Rate History
No change since Oct 14, 2026 · 3.93% APY
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
2305 Westchester Dr, High Point, NC 27262 8028
48 Month Term Certificates Jumbo
$100,000
3.88%
▲ 1.15% above North Carolina avg
▼
Rate3.88%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.73%▲ 1.15% above avgNationally 2.80%
Details
$100k
Rate History
No change since Oct 14, 2026 · 3.88% APY
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
2305 Westchester Dr, High Point, NC 27262 8028
Share Term Certificates Regular - 48 Months
$500
3.73%
▲ 1.00% above North Carolina avg
▼
Rate3.73%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.73%▲ 1.00% 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
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
4006 Mendenhall Oaks Pkwy, High Point, NC 27265
48 Month Term
$0
3.35%
▲ 0.62% above North Carolina avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.73%▲ 0.62% above avgNationally 2.80%
Details
Regular & IRA Certificates
Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 7 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
4006 Mendenhall Oaks Pkwy, High Point, NC 27265
48 Month Term
$0
3.30%
▲ 0.57% above North Carolina avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.73%▲ 0.57% above avgNationally 2.80%
Details
Regular & IRA Certificates
Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 7 times
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3015 E River Way, High Point, NC 27265
IRA Certificate - 4 Year
$500
3.30%
▲ 0.57% above North Carolina avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average2.73%▲ 0.57% above avgNationally 2.80%
Details
Published APY range: 3.30% - 3.50%; Published rate range: 3.25% - 3.44%. Balance: $500.00 - $250,000.00
Rate History
No change since Oct 13, 2026 · 3.30% APY · checked 2 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
4006 Mendenhall Oaks Pkwy, High Point, NC 27265
48 Month Term
$0
3.25%
▲ 0.52% above North Carolina avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.73%▲ 0.52% above avgNationally 2.80%
Details
Regular & IRA Certificates
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 7 times
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3015 E River Way, High Point, NC 27265
Certificates - 4 Year
$500
3.20%
▲ 0.47% above North Carolina avg
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average2.73%▲ 0.47% above avgNationally 2.80%
Details
Balance: $500.00 - $250,000.00; Dividend range: 3.15% - 3.34%; APY range: 3.20% - 3.40%
Rate History
No change since Oct 15, 2026 · 3.20% APY
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
4006 Mendenhall Oaks Pkwy, High Point, NC 27265
48 Month Term
$0
3.19%
▲ 0.46% above North Carolina avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.73%▲ 0.46% above avgNationally 2.80%
Details
Regular & IRA Certificates
Rate History
No change since Sep 18, 2026 · 3.19% APY · checked 7 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2628 S Main St, High Point, NC 27263
Certificate of Deposit 4 Year
$500
1.15%
▼ 1.58% below North Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.73%▼ 1.58% below avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 1.15% APY · checked 8 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2628 S Main St, High Point, NC 27263
IRA 4 Year
$500
1.15%
▼ 1.58% below North Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.73%▼ 1.58% below avgNationally 2.80%
Details
Rate History
No change since Oct 14, 2026 · 1.15% APY
Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
3870 John Gordon Ln, High Point, NC 27265
48 Month CD
$500
1.10%
▼ 1.63% below North Carolina avg
▼
Rate1.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Carolina Average2.73%▼ 1.63% below avgNationally 2.80%
Details
Rate History
No change since Sep 15, 2026 · 1.10% APY · checked 5 times
Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
3870 John Gordon Ln, High Point, NC 27265
48 Month Fixed
$100
1.10%
▼ 1.63% below North Carolina avg
▼
Rate1.09%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Carolina Average2.73%▼ 1.63% below avgNationally 2.80%
Details
Rate History
No change since Sep 15, 2026 · 1.10% APY · checked 3 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
700 N Main St, High Point, NC 27262
Jumbo CD - 4-Year Jumbo
$100,000
0.50%
▼ 2.23% below North Carolina avg
▼
Rate0.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.73%▼ 2.23% below avgNationally 2.80%
Details
Jumbo CDs
Rate History
No change since Oct 14, 2026 · 0.50% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
700 N Main St, High Point, NC 27262
Term CD - 4-Year Term
$1,000
0.50%
▼ 2.23% below North Carolina avg
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.73%▼ 2.23% below avgNationally 2.80%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 0.50% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
700 N Main St, High Point, NC 27262
RampUp CD - 4-Year RampUp
$50,000
0.25%
▼ 2.48% below North Carolina avg
▼
Rate0.25%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.73%▼ 2.48% below avgNationally 2.80%
Details
Ramp Up CDs
Rate History
No change since Oct 14, 2026 · 0.25% APY
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
700 N Main St, High Point, NC 27262
4 Year Certificate of Deposit
$500
0.15%
▼ 2.58% below North Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.73%▼ 2.58% 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
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
620 N Main St, High Point, NC 27260
48 Month CD
$1,000
0.05%
▼ 2.68% below North Carolina avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average2.73%▼ 2.68% below avgNationally 2.80%
Details
Standard rate; Truist offers any term from 7 days to 60 months at this rate, all balance tiers; rates accurate as of 5/12/2026
Rate History
No change since Oct 15, 2026 · 0.05% APY
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
48 Month Elite Jumbo CD
$250,000
4.75%
▲ 2.02% above North Carolina avg
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.73%▲ 2.02% above avgNationally 2.80%
Details
Rate History
1 change since Sep 21, 2026 · 4.25% → 4.75% ▲ 0.50 pts · high 4.75% / low 4.25%
- 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%
4 Year Regular, IRA & Business Jumbo Certificates
$0
4.47%
▲ 1.74% above North Carolina avg
▼
Rate4.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.73%▲ 1.74% above avgNationally 2.80%
Details
Rate History
1 change since Sep 18, 2026 · 4.12% → 4.47% ▲ 0.35 pts · high 4.47% / low 4.12%
- 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%
4 Year Regular, IRA & Business Junior Jumbo Certificates
$0
4.36%
▲ 1.63% above North Carolina avg
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.73%▲ 1.63% above avgNationally 2.80%
Details
Rate History
1 change since Sep 18, 2026 · 4.01% → 4.36% ▲ 0.35 pts · high 4.36% / low 4.01%
- 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%
4 Year Regular, IRA & Business Certificates
$0
4.26%
▲ 1.53% above North Carolina avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.73%▲ 1.53% above avgNationally 2.80%
Details
Rate History
1 change since Sep 18, 2026 · 3.91% → 4.26% ▲ 0.35 pts · high 4.26% / low 3.91%
- 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%
Fixed Rate IRA Certificates - 48 Month Certificate
$500
4.22%
▲ 1.49% above North Carolina avg
▼
Rate4.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average2.73%▲ 1.49% above avgNationally 2.80%
Details
Dividends compounded and credited quarterly; dividend period quarterly
Rate History
No change since Oct 13, 2026 · 4.22% APY · checked 2 times
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
48 Month Regular CD
$500
4.20%
▲ 1.47% above North Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.73%▲ 1.47% above avgNationally 2.80%
Details
Rate History
1 change since Sep 21, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
- Oct 5, 20264.20%▲ from 4.00%
- Sep 21, 20264.00%first recorded
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
48-Month Certificate
$250
4.10%
▲ 1.37% above North Carolina avg
▼
Rate4.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.73%▲ 1.37% 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%
- Oct 1, 20264.10%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
48 Month Business Jumbo Choice Certificate 48
$75,000
4.00%
▲ 1.27% above North Carolina avg
▼
Rate3.92%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average2.73%▲ 1.27% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
48 Month Jumbo Choice Certificate 48
$75,000
4.00%
▲ 1.27% above North Carolina avg
▼
Rate3.92%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average2.73%▲ 1.27% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
48 Month Certificate
$500
3.96%
▲ 1.23% above North Carolina avg
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average2.73%▲ 1.23% above avgNationally 2.80%
Details
Dividends compounded & credited quarterly; dividend period quarterly
Rate History
1 change since Sep 14, 2026 · 4.22% → 3.96% ▼ 0.26 pts · high 4.22% / low 3.96%
- Oct 5, 20263.96%▼ from 4.22%
- Sep 14, 20264.22%first recorded
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
37 - 48 Month Business Choice Certificate 48
$500
3.90%
▲ 1.17% above North Carolina avg
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average2.73%▲ 1.17% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 9 times
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
37 - 48 Month Choice Certificate 48
$250
3.90%
▲ 1.17% above North Carolina avg
▼
Rate3.83%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average2.73%▲ 1.17% above avgNationally 2.80%
Details
Effective Date: 09/2/2026
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 9 times
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
48 Month IRA Choice Certificate 48
$250
3.90%
▲ 1.17% above North Carolina avg
▼
Rate3.83%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average2.73%▲ 1.17% above avgNationally 2.80%
Details
IRA
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 9 times
TCP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Share Term Certificate - 48 Month
$250
3.85%
▲ 1.12% above North Carolina avg
▼
Rate3.80%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.73%▲ 1.12% above avgNationally 2.80%
Details
Fixed Rate
Rate History
1 change since Sep 14, 2026 · 3.23% → 3.85% ▲ 0.62 pts · high 3.85% / low 3.23%
- 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%
Share Certificate - 48 Months
$1,000
3.75%
▲ 1.02% above North Carolina avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average2.73%▲ 1.02% above avgNationally 2.80%
Details
Maximum Balance to Earn: $250,000.00; Compounds: Monthly
Rate History
No change since Sep 12, 2026 · 3.75% APY · checked 8 times
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
48 Month Share Certificate
$0
3.75%
▲ 1.02% above North Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.73%▲ 1.02% above avgNationally 2.80%
Details
Effective January 2, 2026; dividends compounded and paid monthly; early withdrawal penalties apply
Rate History
No change since Oct 9, 2026 · 3.75% APY · checked 2 times
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
48 Month Young Certificates
$0
3.75%
▲ 1.02% above North Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.73%▲ 1.02% above avgNationally 2.80%
Details
For Youth (under age 18) and Young Adults (through age 23); Effective January 2, 2026
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 5 times
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
IRA Certificates - 48 Months
$0
3.75%
▲ 1.02% above North Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.73%▲ 1.02% above avgNationally 2.80%
Details
IRA Certificates can be used as Traditional or Roth IRAs, or for Coverdell Education Savings. Early withdrawal penalties apply. Dividends compounded and paid monthly. Effective January 2, 2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 2 times
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
48 Month Certificate
$500
3.75%
▲ 1.02% above North Carolina avg
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.73%▲ 1.02% 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%
- Oct 1, 20263.75%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
48 Month IRA Certificate Accounts
$500
3.51%
▲ 0.78% above North Carolina avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average2.73%▲ 0.78% above avgNationally 2.80%
Details
Rate History
No change since Sep 21, 2026 · 3.51% APY · checked 4 times
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
48 Month Share Certificate Account
$500
3.51%
▲ 0.78% above North Carolina avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average2.73%▲ 0.78% above avgNationally 2.80%
Details
Rate History
No change since Sep 25, 2026 · 3.51% APY · checked 2 times
American Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
48 Month IRA and Share Certificates
$500
3.50%
▲ 0.77% above North Carolina avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average2.73%▲ 0.77% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
Welcome Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
IRA Share Certificates - 48 Months
$500
3.50%
▲ 0.77% above North Carolina avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.73%▲ 0.77% above avgNationally 2.80%
Details
Dividends credited and compounded quarterly.
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
RTP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
Certificate - 48 Months
$250
3.35%
▲ 0.62% above North Carolina avg
▼
Rate3.30%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average2.73%▲ 0.62% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 7 times
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
4 Year IRA Certificate
$1,000
3.30%
▲ 0.57% above North Carolina avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.73%▲ 0.57% above avgNationally 2.80%
Details
4 Year IRA Certificate; Early withdrawal penalty applies
Rate History
1 change since Oct 7, 2026 · 3.10% → 3.30% ▲ 0.20 pts · high 3.30% / low 3.10%
- Oct 14, 20263.30%▲ from 3.10%
- Oct 7, 20263.10%first recorded
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
48 Month Standard Personal Share Certificates
$0
3.30%
▲ 0.57% above North Carolina avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average2.73%▲ 0.57% above avgNationally 2.80%
Details
Opening deposit of $10,000.00 and above; Early withdrawal penalties may apply and reduce earnings.
Rate History
No change since Oct 12, 2026 · 3.30% APY · checked 2 times
Fort Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
48 Month Jumbo Term Share Certificate
$25,000
3.30%
▲ 0.57% above North Carolina avg
▼
Rate3.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average2.73%▲ 0.57% above avgNationally 2.80%
Details
Type: FIXED; Non-IRA and IRA Term Share Certificates; Early withdrawal penalty: 90 days of dividends (term 24 months or less), 180 days (term over 24 months); Effective Date: 10/01/2026
Rate History
No change since Oct 13, 2026 · 3.30% APY · checked 2 times
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
48 Month Certificate
$500
3.30%
▲ 0.57% above North Carolina avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.73%▲ 0.57% above avgNationally 2.80%
Details
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 7 times
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
Standard Personal Share Certificates - 48 Months
$0
3.20%
▲ 0.47% above North Carolina avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average2.73%▲ 0.47% above avgNationally 2.80%
Details
Balance: $500.00 - $9,999.99
Rate History
No change since Oct 12, 2026 · 3.20% APY · checked 2 times
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
Traditional IRA Certificate - 48 Months
$500
3.20%
▲ 0.47% above North Carolina avg
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average2.73%▲ 0.47% above avgNationally 2.80%
Details
Opening deposit between $500 - $9,999.99; Early withdrawal penalties may apply
Rate History
No change since Oct 8, 2026 · 3.20% APY · checked 2 times
Fort Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
48 Month Regular Term Share Certificate
$500
3.20%
▲ 0.47% above North Carolina avg
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average2.73%▲ 0.47% above avgNationally 2.80%
Details
Dividend Rate: 3.15%; Type: FIXED; Non-IRA and IRA Term Share Certificates; Step-up option available (original term 24 months or greater and investment $5,000 or greater); Early withdrawal penalty: loss of 180 days of dividends (term greater than 24 months)
Rate History
No change since Oct 15, 2026 · 3.20% APY
High Point 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.13%
3850 JOHN GORDON LN, HIGH POINT, NC 27265
Share Term Certificates (STCs) - 60 months
$250
4.00%
▲ 1.03% above North Carolina avg
▼
Rate4.00%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.97%▲ 1.03% above avgNationally 2.92%
Details
Interest rate and APY shown as 4.00% / 4.00% APY
Rate History
No change since Oct 13, 2026 · 4.00% APY
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
2305 Westchester Dr, High Point, NC 27262 8028
60 Month Term Certificates Jumbo
$200,000
3.95%
▲ 0.98% above North Carolina avg
▼
Rate3.95%
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.97%▲ 0.98% above avgNationally 2.92%
Details
$200K
Rate History
No change since Oct 14, 2026 · 3.95% APY
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
2305 Westchester Dr, High Point, NC 27262 8028
60 Month Term Certificates Jumbo
$100,000
3.90%
▲ 0.93% above North Carolina avg
▼
Rate3.90%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.97%▲ 0.93% above avgNationally 2.92%
Details
$100k
Rate History
No change since Oct 14, 2026 · 3.90% APY
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
2305 Westchester Dr, High Point, NC 27262 8028
Share Term Certificates Regular - 60 Months
$500
3.75%
▲ 0.78% above North Carolina avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.97%▲ 0.78% above avgNationally 2.92%
Details
Effective as of October 1st, 2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 2 times
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
3925 Sedgebrook St, High Point, NC 27265
60 Month Certificate
$2,000
3.66%
▲ 0.69% above North Carolina avg
▼
Rate3.60%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.97%▲ 0.69% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 3.51% → 3.66% ▲ 0.15 pts · high 3.66% / low 3.51%
- Oct 9, 20263.66%▲ from 3.51%
- Sep 14, 20263.51%first recorded
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
4006 Mendenhall Oaks Pkwy, High Point, NC 27265
60 Month Term
$0
3.40%
▲ 0.43% above North Carolina avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.97%▲ 0.43% above avgNationally 2.92%
Details
Regular & IRA Certificates
Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 7 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
4006 Mendenhall Oaks Pkwy, High Point, NC 27265
60 Month Term
$0
3.35%
▲ 0.38% above North Carolina avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.97%▲ 0.38% above avgNationally 2.92%
Details
Regular & IRA Certificates
Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 7 times
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3015 E River Way, High Point, NC 27265
IRA Certificate - 5 Year
$500
3.35%
▲ 0.38% above North Carolina avg
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average2.97%▲ 0.38% above avgNationally 2.92%
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 Oct 13, 2026 · 3.35% APY · checked 2 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
4006 Mendenhall Oaks Pkwy, High Point, NC 27265
60 Month Term
$0
3.30%
▲ 0.33% above North Carolina avg
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.97%▲ 0.33% above avgNationally 2.92%
Details
Regular & IRA Certificates
Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 7 times
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3015 E River Way, High Point, NC 27265
Certificates - 5 Year
$500
3.25%
▲ 0.28% above North Carolina avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average2.97%▲ 0.28% above avgNationally 2.92%
Details
Balance: $500.00 - $250,000.00; Dividend range: 3.20% - 3.39%; APY range: 3.25% - 3.45%
Rate History
No change since Oct 15, 2026 · 3.25% APY
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
4006 Mendenhall Oaks Pkwy, High Point, NC 27265
60 Month Term
$0
3.24%
▲ 0.27% above North Carolina avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.97%▲ 0.27% above avgNationally 2.92%
Details
Regular & IRA Certificates
Rate History
No change since Sep 18, 2026 · 3.24% APY · checked 7 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2628 S Main St, High Point, NC 27263
Certificate of Deposit 5 Year
$500
1.25%
▼ 1.72% below North Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.97%▼ 1.72% below avgNationally 2.92%
Details
Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 8 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
2628 S Main St, High Point, NC 27263
IRA 5 Year
$500
1.25%
▼ 1.72% below North Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.97%▼ 1.72% below avgNationally 2.92%
Details
Rate History
No change since Oct 14, 2026 · 1.25% APY
Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
3870 John Gordon Ln, High Point, NC 27265
60 Month CD
$500
1.10%
▼ 1.87% below North Carolina avg
▼
Rate1.09%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Carolina Average2.97%▼ 1.87% below avgNationally 2.92%
Details
Rate History
No change since Sep 15, 2026 · 1.10% APY · checked 5 times
Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
3870 John Gordon Ln, High Point, NC 27265
60 Month Fixed
$100
1.10%
▼ 1.87% below North Carolina avg
▼
Rate1.09%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Carolina Average2.97%▼ 1.87% below avgNationally 2.92%
Details
Rate History
No change since Sep 15, 2026 · 1.10% APY · checked 3 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
700 N Main St, High Point, NC 27262
Jumbo CD - 5-Year Jumbo
$100,000
0.50%
▼ 2.47% below North Carolina avg
▼
Rate0.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.97%▼ 2.47% below avgNationally 2.92%
Details
Jumbo CDs
Rate History
No change since Oct 14, 2026 · 0.50% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
700 N Main St, High Point, NC 27262
Term CD - 5-Year Term
$1,000
0.50%
▼ 2.47% below North Carolina avg
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.97%▼ 2.47% below avgNationally 2.92%
Details
Term Certificates of Deposit (CD)
Rate History
No change since Oct 14, 2026 · 0.50% APY
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
620 N Main St, High Point, NC 27260
60 Month CD
$1,000
0.05%
▼ 2.92% below North Carolina avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average2.97%▼ 2.92% below avgNationally 2.92%
Details
Standard rate; Truist offers any term from 7 days to 60 months at this rate, all balance tiers; rates accurate as of 5/12/2026
Rate History
No change since Oct 15, 2026 · 0.05% APY
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
5 Year Regular, IRA & Business Jumbo Certificates
$0
4.87%
▲ 1.90% above North Carolina avg
▼
Rate4.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.97%▲ 1.90% above avgNationally 2.92%
Details
Rate History
1 change since Sep 18, 2026 · 4.49% → 4.87% ▲ 0.38 pts · high 4.87% / low 4.49%
- 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%
5 Year Regular, IRA & Business Junior Jumbo Certificates
$0
4.76%
▲ 1.79% above North Carolina avg
▼
Rate4.66%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.97%▲ 1.79% above avgNationally 2.92%
Details
Rate History
1 change since Sep 18, 2026 · 4.39% → 4.76% ▲ 0.37 pts · high 4.76% / low 4.39%
- 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%
60 Month Elite Jumbo CD
$250,000
4.75%
▲ 1.78% above North Carolina avg
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.97%▲ 1.78% above avgNationally 2.92%
Details
Rate History
1 change since Sep 21, 2026 · 4.25% → 4.75% ▲ 0.50 pts · high 4.75% / low 4.25%
- 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%
5 Year Regular, IRA & Business Certificates
$0
4.66%
▲ 1.69% above North Carolina avg
▼
Rate4.56%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.97%▲ 1.69% above avgNationally 2.92%
Details
Rate History
1 change since Sep 18, 2026 · 4.28% → 4.66% ▲ 0.38 pts · high 4.66% / low 4.28%
- Oct 1, 20264.66%▲ from 4.28%
- Sep 18, 20264.28%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year Roth Executive IRA Certificate
$100,000
4.60%
▲ 1.63% above North Carolina avg
▼
Rate4.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average2.97%▲ 1.63% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 3.60% → 4.60% ▲ 1.00 pts · high 4.60% / low 3.60%
- Oct 15, 20264.60%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year Roth IRA Certificate
$500
4.60%
▲ 1.63% above North Carolina avg
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average2.97%▲ 1.63% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 3.40% → 4.60% ▲ 1.20 pts · high 4.60% / low 3.40%
- Oct 15, 20264.60%▲ from 3.40%
- Sep 14, 20263.40%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year Roth Premier IRA Certificate
$10,000
4.60%
▲ 1.63% above North Carolina avg
▼
Rate4.50%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average2.97%▲ 1.63% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.60% ▲ 1.10 pts · high 4.60% / low 3.50%
- Oct 15, 20264.60%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year Traditional Executive IRA Certificate
$100,000
4.60%
▲ 1.63% above North Carolina avg
▼
Rate4.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average2.97%▲ 1.63% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 3.60% → 4.60% ▲ 1.00 pts · high 4.60% / low 3.60%
- Oct 15, 20264.60%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year Traditional IRA Certificate
$500
4.60%
▲ 1.63% above North Carolina avg
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average2.97%▲ 1.63% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 3.40% → 4.60% ▲ 1.20 pts · high 4.60% / low 3.40%
- Oct 15, 20264.60%▲ from 3.40%
- Sep 14, 20263.40%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year Traditional Premier IRA Certificate
$10,000
4.60%
▲ 1.63% above North Carolina avg
▼
Rate4.50%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average2.97%▲ 1.63% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.60% ▲ 1.10 pts · high 4.60% / low 3.50%
- Oct 15, 20264.60%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
5 Year IRA Traditional & Roth CD
$500
4.50%
▲ 1.53% above North Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.97%▲ 1.53% above avgNationally 2.92%
Details
Rate History
1 change since Sep 21, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- 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%
60 Month Regular CD
$500
4.50%
▲ 1.53% above North Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.97%▲ 1.53% above avgNationally 2.92%
Details
Rate History
1 change since Sep 21, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 5, 20264.50%▲ from 4.00%
- Sep 21, 20264.00%first recorded
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
60-Month Certificate
$250
4.50%
▲ 1.53% above North Carolina avg
▼
Rate4.41%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.97%▲ 1.53% above avgNationally 2.92%
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%
- Oct 1, 20264.50%▲ from 4.15%
- Sep 14, 20264.15%first recorded
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
Fixed Rate IRA Certificates - 60 Month Certificate
$500
4.27%
▲ 1.30% above North Carolina avg
▼
Rate4.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average2.97%▲ 1.30% above avgNationally 2.92%
Details
Dividends compounded and credited quarterly; dividend period quarterly
Rate History
No change since Oct 13, 2026 · 4.27% APY · checked 2 times
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.20%
60 Month Fixed Rate Certificate
$0
4.11%
▲ 1.14% above North Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.97%▲ 1.14% above avgNationally 2.92%
Details
Rate History
No change since Sep 24, 2026 · 4.11% APY · checked 2 times
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
60 Month Business Jumbo Choice Certificate 60
$75,000
4.10%
▲ 1.13% above North Carolina avg
▼
Rate4.02%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average2.97%▲ 1.13% above avgNationally 2.92%
Details
Row label reads 48 but printed term is 60 months
Rate History
No change since Oct 15, 2026 · 4.10% APY
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
60 Month Jumbo Choice Certificate 60
$75,000
4.10%
▲ 1.13% above North Carolina avg
▼
Rate4.02%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average2.97%▲ 1.13% above avgNationally 2.92%
Details
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 9 times
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
60 Month Certificate
$500
4.01%
▲ 1.04% above North Carolina avg
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average2.97%▲ 1.04% above avgNationally 2.92%
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%
- 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%
49 - 60 Month Business Choice Certificate 60
$500
4.00%
▲ 1.03% above North Carolina avg
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average2.97%▲ 1.03% above avgNationally 2.92%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
49 - 60 Month Choice Certificate 60
$250
4.00%
▲ 1.03% above North Carolina avg
▼
Rate3.92%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average2.97%▲ 1.03% above avgNationally 2.92%
Details
Effective Date: 09/2/2026
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
60 Month IRA Choice Certificate 60
$250
4.00%
▲ 1.03% above North Carolina avg
▼
Rate3.92%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average2.97%▲ 1.03% above avgNationally 2.92%
Details
IRA
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
TCP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Share Term Certificate - 60 Month
$250
3.95%
▲ 0.98% above North Carolina avg
▼
Rate3.90%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.97%▲ 0.98% above avgNationally 2.92%
Details
Fixed Rate
Rate History
1 change since Sep 14, 2026 · 3.34% → 3.95% ▲ 0.61 pts · high 3.95% / low 3.34%
- 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%
▲ 0.93% above North Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.97%▲ 0.93% above avgNationally 2.92%
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
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
IRA Certificate - 60 Months (Reg/Roth/Educ)
$100,000
3.90%
▲ 0.93% above North Carolina avg
▼
Rate3.83%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average2.97%▲ 0.93% above avgNationally 2.92%
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%
- Sep 25, 20263.90%▲ from 3.10%
- Sep 18, 20263.10%first recorded
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
60 Month Share Certificate
$0
3.90%
▲ 0.93% above North Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.97%▲ 0.93% above avgNationally 2.92%
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
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
60 Month Young Certificates
$0
3.90%
▲ 0.93% above North Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.97%▲ 0.93% above avgNationally 2.92%
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
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
IRA Certificates - 60 Months
$0
3.90%
▲ 0.93% above North Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
North Carolina Average2.97%▲ 0.93% above avgNationally 2.92%
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
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year ESA Long-Term Certificate
$0
3.85%
▲ 0.88% above North Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
North Carolina Average2.97%▲ 0.88% above avgNationally 2.92%
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
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
Certificate - 60 Months
$100,000
3.85%
▲ 0.88% above North Carolina avg
▼
Rate3.78%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average2.97%▲ 0.88% above avgNationally 2.92%
Details
Rate History
1 change since Sep 18, 2026 · 3.05% → 3.85% ▲ 0.80 pts · high 3.85% / low 3.05%
- Sep 25, 20263.85%▲ from 3.05%
- Sep 18, 20263.05%first recorded
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
IRA Certificate - 60 Months (Reg/Roth/Educ)
$1,000
3.85%
▲ 0.88% above North Carolina avg
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average2.97%▲ 0.88% above avgNationally 2.92%
Details
Early withdrawal penalty may apply to all certificates at 15-day x original term of dividends on amount withdrawn.
Rate History
1 change since Sep 18, 2026 · 3.10% → 3.85% ▲ 0.75 pts · high 3.85% / low 3.10%
- Sep 25, 20263.85%▲ from 3.10%
- Sep 18, 20263.10%first recorded
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
Certificate - 60 Months
$1,000
3.80%
▲ 0.83% above North Carolina avg
▼
Rate3.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average2.97%▲ 0.83% above avgNationally 2.92%
Details
Rate History
1 change since Sep 18, 2026 · 3.00% → 3.80% ▲ 0.80 pts · high 3.80% / low 3.00%
- Sep 25, 20263.80%▲ from 3.00%
- Sep 18, 20263.00%first recorded
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
Share Certificate - 60 Months
$1,000
3.75%
▲ 0.78% above North Carolina avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 15, 2026
North Carolina Average2.97%▲ 0.78% above avgNationally 2.92%
Details
Maximum Balance to Earn: $250,000.00; Compounds: Monthly
Rate History
No change since Sep 12, 2026 · 3.75% APY · checked 8 times
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High Point, NC CD Rate Trends
Compare local High Point, 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.
12-Month CD NC Avg
3.112%
▼ 0.021 vs 7 days ago
North Carolina 12-month CD rates fell 0.021 points over the past 7 days to 3.112% APY.
6-Month CD NC Avg
2.872%
▼ 0.021 vs 7 days ago
North Carolina 6-month CD rates fell 0.021 points over the past 7 days to 2.872% APY.
As of Oct 15, 2026 • Rate data sourced from 8,500+ monitored institutions
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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
3.112%
6-Month Forecast
3.112%
Range: 2.91%, 3.26%
12-Month Forecast
3.362%
Range: 3.16%, 3.51%
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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 | 1.857% | $92.85 | $185.70 | $464.25 | $928.50 |
| 6-Month CD | 2.872% | $143.62 | $287.24 | $718.10 | $1,436.20 |
| 12-Month CD | 3.112% | $155.61 | $311.23 | $778.07 | $1,556.15 |
| 18-Month CD | 3.016% | $150.82 | $301.63 | $754.08 | $1,508.15 |
| 24-Month CD | 3.111% | $155.53 | $311.05 | $777.63 | $1,555.25 |
| 36-Month CD | 2.935% | $146.73 | $293.45 | $733.63 | $1,467.25 |
| 48-Month CD | 2.726% | $136.32 | $272.63 | $681.58 | $1,363.15 |
| 60-Month CD | 2.966% | $148.28 | $296.55 | $741.38 | $1,482.75 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 15, 2026. | |||||
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Sample CD Ladder for High Point, North Carolina Savers
$25,000 split equally across 5 terms using today’s North Carolina average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | NC Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.857% | $92.85 |
| 2 | 6-Month CD | $5,000 | 2.872% | $143.62 |
| 3 | 12-Month CD | $5,000 | 3.112% | $155.61 |
| 4 | 24-Month CD | $5,000 | 3.111% | $155.53 |
| 5 | 36-Month CD | $5,000 | 2.935% | $146.73 |
| Total ($25,000 invested) | $25,000 | 2.777% blended | $694.34/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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844
CD Rates
Tracked in High Point, North Carolina
Tracked in High Point, North Carolina
23 Banks
55 Credit Unions
About Our High Point, North Carolina CD Rate Database
MonitorBankRates tracks 844 CD rates from 23 banks and 55 credit unions with locations in High Point, 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 High Point, North Carolina.
How to Find the Best CD Rates in High Point, North Carolina
What to compare when shopping for a CD in High Point, North Carolina
To find the best APYs in High Point, North Carolina, start with credit unions and online-only banks: High Point, North Carolina has 55 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 High Point, 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 High Point, North Carolina: 78 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare High Point, North Carolina savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare High Point, North Carolina money market rates
High Point, North Carolina Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
15.9%
National avg: 17.3%
Median Individual Earnings
$37,129
National avg: $47,340
Poverty Rate
15.7%
National avg: 11.1%
Unemployment Rate
5.2%
National avg: 4.8%
CD Earnings on 10% of Salary
$116/yr
At NC 12-mo avg 3.112% APY
15.9% of residents are 65 or older, below the national average of 17.3%. At today’s NC 12-month CD average of 3.112%, saving 10% of the local median salary ($3,712/year) and putting it in a CD would earn an additional $116 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 High Point, 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 High Point, 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 High Point, 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 High Point, North Carolina as everywhere in the U.S.
Choosing a CD Term in High Point, 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 High Point, North Carolina savers easier access to their funds. For example, State Employees Credit Union is offering its Share Term Certificates (STCs) - 6 months at 3.85% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, State Employees Credit Union is offering its Share Term Certificates (STCs) - 60 months at 4.00% 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 High Point, 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 High Point, 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 High Point, 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 High Point, 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 High Point, North Carolina
Most CDs carry a fixed rate that is locked for the entire term, protecting a High Point, 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 High Point, North Carolina
Are CD rates in High Point, North Carolina FDIC insured?
Yes, most established banks in High Point, 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 High Point, 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 High Point, 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 High Point, 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 High Point, North Carolina?
Here are recent top rates found for this area:
- Truliant Federal Credit Union: 5.00% APY (Limited-Time 12 Month Term)
- State Employees Credit Union: 4.30% APY (Share Term Certificates (STCs) - 18 months)
- CIT Bank: 4.00% APY (Term CD - 1-Year Term)
- Latino Community Credit Union: 3.95% APY (60 Month Term Certificates Jumbo)
- Members Credit Union Winston Salem, NC: 3.66% APY (24 Month Certificate)
- Allegacy Federal Credit Union: 3.65% APY (IRA Certificate - 2 Year)
- Truist: 3.25% APY (12 Month CD Special)
- Piedmont FSB: 3.00% APY (12 Month Fixed)
- Summit Credit Union Greensboro, NC: 3.00% APY (36 Month Jumbo and Jumbo IRA Certificates)
- Woodforest National Bank: 2.25% APY (Certificate of Deposit 2 Year)
Rates reflect recent verified offers available in High Point, North Carolina. Last Updated: October 15, 2026
High Point, 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 High Point, 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.
CD Calculators for High Point, North Carolina
High Point, 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.
High Point, North Carolina CD LadderNC CD rates currently range from 1.857% (3-month) to 2.935% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a High Point, 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 SavingsNorth Carolina’s average 12-month CD is 3.112% 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 High Point, 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 High Point, 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 High Point, 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 15, 2026
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