A CD ladder involves opening multiple CDs with staggered maturity dates — for example, 3-month, 6-month, 1-year, and 2-year CDs. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.

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iAdvertiser Disclosure

CD Rates Pendleton, North Carolina (NC) for April 2026

Q: What are the best CD rates in Pendleton, North Carolina?

Here are recent top rates found for this area: U S POSTAL SERVICE : 4.25% APY (IRA Certificates 1 Year Starter Add-On) Founders Federal Credit Union : 4.22% APY (60 Month Fixed Rate IRA Certificates) ElecTel Cooperative Federal Credit Union : 4.15% APY (IRA Share Certificate (18 Month)) COASTAL : 3.90% APY (12 Month Certificate) Lumbee Guaranty Bank : 3.82% APY (Individual Retirement Account (IRA) Certificate of Deposit* 36 Month Fixed Rate IRA) Winston Salem Federal Credit Union : 3.82% APY (12 Month Certificate Savings Plan) Carolinas Telco Federal Credit Union : 3.82% APY (6 month Share Certificate) Live Oak Bank : 3.80% APY (1-Year CD) Atlantic Union Bank : 3.80% APY (3 Month CD and IRA Specials) Emergency Responders Credit Union : 3.75% APY (24 Month JUMBO Certificates of Deposit)

Q: Can I withdraw my money early from a CD?

You can, but most institutions charge an early withdrawal penalty — often a number of months of interest (e.g., 3 or 6 months). Specifics vary by institution.

Q: What is the difference between a Jumbo CD and a regular CD?

Jumbo CDs typically require a higher minimum deposit (often $100,000 or more) and may offer slightly higher APYs than standard CDs available in Pendleton, North Carolina.

Q: Are fixed-rate CDs better than variable-rate CDs?

Fixed-rate CDs lock in your APY for the entire term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start lower.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | CD Rates Last Updated and Verified: April 6, 2026

Current Pendleton, North Carolina CD rates include U S POSTAL SERVICEU S POSTAL SERVICEA+5.0 ★Texas Ratio: 2.27% offering IRA Certificates 1 Year Starter Add-On at 4.25% APY, Founders Federal Credit UnionFounders Federal Credit UnionA+5.0 ★Texas Ratio: 4.65% offering 60 Month Fixed Rate IRA Certificates at 4.22% APY, ElecTel Cooperative Federal Credit UnionElecTel Cooperative Federal Credit UnionA+5.0 ★Texas Ratio: 1.21% offering IRA Share Certificate (18 Month) at 4.15% APY, COASTALCOASTALA+5.0 ★Texas Ratio: 0.50% offering 12 Month Certificate at 3.90% APY, and Lumbee Guaranty BankLumbee Guaranty BankA+5.0 ★Texas Ratio: 2.66% offering Individual Retirement Account (IRA) Certificate of Deposit* 36 Month Fixed Rate IRA at 3.82% APY. CD rates as of April 6, 2026 according to verified data from MonitorBankRates.

Pendleton is a smaller community with no bank or credit union branches currently in our database. 176 institutions serving the North Carolina area are available to Pendleton residents, with CD rates as high as 4.25% APY from U S POSTAL SERVICE. Rates are continually updated — we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: April 6, 2026

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

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

Atlantic Union Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.56%

3 Month CD and IRA Specials

3.80%

View

▼

Rate3.74%

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

UNIFY Financial Federal Credit Union

Institution Rating:

B4.4 ★Texas Ratio: 21.76%

3-Month Share Certificate

$100,000

3.60%

View

▼

Rate3.54%

Min Deposit$100,000

Min Balance—

UpdatedApr 6, 2026

Details

$100,000 Minimum to Earn APY

Live Oak Bank

Institution Rating:

B4.5 ★Texas Ratio: 21.35%

3-month CD

3.00%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

Piedmont Advantage Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.62%

3 Month Certificate

$500

2.50%

View

▼

Rate2.47%

Min Deposit$500

Min Balance—

UpdatedApr 6, 2026

Details

Truliant Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.58%

3 Month Term Certificate

2.45%

View

▼

Rate2.42%

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

Allegacy Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.91%

3 Month IRA Certificate

$500

2.40%

View

▼

Rate2.37%

Min Deposit$500

Min Balance—

UpdatedApr 6, 2026

Details

TD Bank

Institution Rating:

A5.0 ★Texas Ratio: 6.30%

3 Month Choice CD

$250

1.00%

View

▼

Rate—

Min Deposit$250

Min Balance—

UpdatedApr 6, 2026

Details

Relationship APY

Centra Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.15%

Share Certificates 3 Month

$100,000

0.90%

View

▼

Rate0.90%

Min Deposit$100,000

Min Balance—

UpdatedApr 6, 2026

Details

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.73%

3-month term Standard CDs

0.60%

View

▼

Rate0.60%

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

Piedmont FSB

Institution Rating:

A+5.0 ★Texas Ratio: 0.44%

3-Month CD

0.50%

View

▼

Rate0.50%

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

Carolinas Telco Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.17%

6 month Share Certificate

$500

3.82%

View

▼

Rate3.75%

Min Deposit$500

Min Balance—

UpdatedApr 6, 2026

Details

COASTAL

Institution Rating:

A+5.0 ★Texas Ratio: 0.50%

6 Month Certificate

$250

3.80%

View

▼

Rate3.74%

Min Deposit$250

Min Balance—

UpdatedApr 6, 2026

Details

REV

Institution Rating:

A+5.0 ★Texas Ratio: 0.30%

Regular Certificates 6 Month

3.75%

View

▼

Rate3.68%

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

United Community Bank

Institution Rating:

A+5.0 ★Texas Ratio: 3.01%

6-month CD

$2,500

3.65%

View

▼

Rate—

Min Deposit$2,500

Min Balance—

UpdatedApr 6, 2026

Details

Live Oak Bank

Institution Rating:

B4.5 ★Texas Ratio: 21.35%

6-month CD

3.60%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

Champion Credit Union Canton, NC

Institution Rating:

A+5.0 ★Texas Ratio: 4.91%

6-mo. Share Certificate

$1,000

3.55%

View

▼

Rate—

Min Deposit$1,000

Min Balance—

UpdatedApr 6, 2026

Details

Mountain Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.06%

6 Month Certificate

3.50%

View

▼

Rate3.45%

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

UNIFY Financial Federal Credit Union

Institution Rating:

B4.4 ★Texas Ratio: 21.76%

6-Month Share Certificate

$100,000

3.45%

View

▼

Rate3.40%

Min Deposit$100,000

Min Balance—

UpdatedApr 6, 2026

Details

$100,000 Minimum to Earn APY

HealthShare Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.91%

6-Month Share Certificate

3.30%

View

▼

Rate3.25%

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

Piedmont Advantage Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.62%

6 Month Certificate

$500

3.25%

View

▼

Rate3.20%

Min Deposit$500

Min Balance—

UpdatedApr 6, 2026

Details

WNC Community Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.64%

6-Month Share Certificate

3.00%

View

▼

Rate3.00%

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

Truliant Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.58%

6 Month Term Certificate

2.95%

View

▼

Rate2.91%

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

CS Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.65%

6 Month Share Certificate

$500

2.75%

View

▼

Rate2.72%

Min Deposit$500

Min Balance—

UpdatedApr 6, 2026

Details

URW Community Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 10.37%

6 Month Share Certificates (Share & IRA)

$1,000

2.53%

View

▼

Rate2.50%

Min Deposit$1,000

Min Balance—

UpdatedApr 6, 2026

Details

Allegacy Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.91%

6 Month IRA Certificate

$500

2.45%

View

▼

Rate2.42%

Min Deposit$500

Min Balance—

UpdatedApr 6, 2026

Details

American Partners Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.06%

6 Month IRA and Share Certificates

$500

1.75%

View

▼

Rate1.74%

Min Deposit$500

Min Balance—

UpdatedApr 6, 2026

Details

Centra Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.15%

Share Certificates 6 Month

$100,000

1.60%

View

▼

Rate1.59%

Min Deposit$100,000

Min Balance—

UpdatedApr 6, 2026

Details

Nucor Employees Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.73%

Certificates minimum) 6 Month

1.40%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

$1,000

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.73%

6-month term Standard CDs

1.35%

View

▼

Rate1.34%

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

Marine Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.48%

6-Month IRA

$500

0.75%

View

▼

Rate0.75%

Min Deposit$500

Min Balance—

UpdatedApr 6, 2026

Details

Winston Salem Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.34%

6 Month Certificate Savings Plan

0.15%

View

▼

Rate0.15%

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

First Citizens Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.24%

6-month automatic saver CD

$500

0.01%

View

▼

Rate—

Min Deposit$500

Min Balance—

UpdatedApr 6, 2026

Details

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

U S POSTAL SERVICE

Institution Rating:

A+5.0 ★Texas Ratio: 2.27%

IRA Certificates 1 Year Starter Add-On

4.25%

View

▼

Rate4.18%

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

ElecTel Cooperative Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.21%

IRA Share Certificate (12 Month)

$500

4.00%

View

▼

Rate3.93%

Min Deposit$500

Min Balance—

UpdatedApr 6, 2026

Details

COASTAL

Institution Rating:

A+5.0 ★Texas Ratio: 0.50%

12 Month Certificate

$250

3.90%

View

▼

Rate3.83%

Min Deposit$250

Min Balance—

UpdatedApr 6, 2026

Details

Winston Salem Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.34%

12 Month Certificate Savings Plan

3.82%

View

▼

Rate3.75%

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

Live Oak Bank

Institution Rating:

B4.5 ★Texas Ratio: 21.35%

1-Year CD

3.80%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

REV

Institution Rating:

A+5.0 ★Texas Ratio: 0.30%

Regular Certificates 12 Month Special

3.75%

View

▼

Rate3.68%

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

Crescent Bank

Institution Rating:

C4.0 ★Texas Ratio: 27.16%

12-month CD

$1,000

3.65%

View

▼

Rate—

Min Deposit$1,000

Min Balance—

UpdatedApr 6, 2026

Details

Annual Percentage Yield (APY) effective 03/25/2026 is subject to change at any time and is based on interest compounding quarterly. This is a limited time offer and can be withdrawn at any time without notice. Interest rates are fixed for the term of the Certificate of Deposit. A penalty is imposed for early withdrawal which would reduce earnings on your account. For more information on insurance coverage visit www.fdic.gov.

URW Community Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 10.37%

1 Year Share Certificates (Share & IRA)

$1,000

3.60%

View

▼

Rate3.55%

Min Deposit$1,000

Min Balance—

UpdatedApr 6, 2026

Details

Founders Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.65%

12 Month Certificate

$500

3.55%

View

▼

Rate3.50%

Min Deposit$500

Min Balance—

UpdatedApr 6, 2026

Details

Carolina Cooperative Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.75%

12 Month CD

3.50%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

CAROLINA

Institution Rating:

A+5.0 ★Texas Ratio: 0.55%

1 Year CD

3.45%

View

▼

Rate3.40%

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

($1,000 minimum)

Nucor Employees Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.73%

Certificates minimum) 12 Month

3.40%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

$1,000

Members Credit Union Winston Salem, NC

Institution Rating:

A+5.0 ★Texas Ratio: 2.99%

IRA Certificates 12-Month

$2,000

3.30%

View

▼

Rate3.25%

Min Deposit$2,000

Min Balance—

UpdatedApr 6, 2026

Details

Piedmont Advantage Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.62%

12 Month Certificate

$500

3.25%

View

▼

Rate3.20%

Min Deposit$500

Min Balance—

UpdatedApr 6, 2026

Details

ABNB Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 10.06%

12-Month Certificates

3.20%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

Truliant Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.58%

12 Month Term Certificate

3.15%

View

▼

Rate3.10%

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

Marine Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.48%

12-Month IRA

$500

3.09%

View

▼

Rate3.05%

Min Deposit$500

Min Balance—

UpdatedApr 6, 2026

Details

Telco Credit Union

Institution Rating:

B-4.4 ★Texas Ratio: 22.49%

12 Month Certificate

2.99%

View

▼

Rate2.95%

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

ADVANCIAL

Institution Rating:

A+5.0 ★Texas Ratio: 0.31%

Regular, IRA & Business Jumbo Certificates 1 year

2.78%

View

▼

Rate2.75%

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

Champion Credit Union Canton, NC

Institution Rating:

A+5.0 ★Texas Ratio: 4.91%

12-mo. Share Certificate

$1,000

2.05%

View

▼

Rate—

Min Deposit$1,000

Min Balance—

UpdatedApr 6, 2026

Details

WNC Community Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.64%

12-Month Share Certificate

2.00%

View

▼

Rate2.00%

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

Centra Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.15%

Share Certificates 12 Month

$100,000

1.75%

View

▼

Rate1.74%

Min Deposit$100,000

Min Balance—

UpdatedApr 6, 2026

Details

United Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.35%

12 Month Liquid Certificate

$2,500

1.60%

View

▼

Rate1.59%

Min Deposit$2,500

Min Balance—

UpdatedApr 6, 2026

Details

Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the "Tax Reported Owner") is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. A penalty may be charged for early withdrawal. Rates may change after account is opened. Fees may reduce earnings on the account.

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.73%

12-month term Standard CDs

1.40%

View

▼

Rate1.39%

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

Piedmont FSB

Institution Rating:

A+5.0 ★Texas Ratio: 0.44%

12-Month CD

1.01%

View

▼

Rate1.00%

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

TD Bank

Institution Rating:

A5.0 ★Texas Ratio: 6.30%

12 Month Choice CD

$250

1.00%

View

▼

Rate—

Min Deposit$250

Min Balance—

UpdatedApr 6, 2026

Details

Relationship APY

Weyco Community Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 11.84%

IRA 12-Month Fixed

0.55%

View

▼

Rate0.55%

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

Audubon Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.81%

1-Year Certificate (365 Days)

0.50%

View

▼

Rate0.50%

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

First Citizens Bank

Institution Rating:

A+5.0 ★Texas Ratio: 5.24%

1-year convertible CD

$500

0.01%

View

▼

Rate—

Min Deposit$500

Min Balance—

UpdatedApr 6, 2026

Details

Qualifying balance up to $49,000.00

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

ElecTel Cooperative Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.21%

IRA Share Certificate (18 Month)

$500

4.15%

View

▼

Rate4.07%

Min Deposit$500

Min Balance—

UpdatedApr 6, 2026

Details

COASTAL

Institution Rating:

A+5.0 ★Texas Ratio: 0.50%

18 Month Certificate

$250

3.90%

View

▼

Rate3.83%

Min Deposit$250

Min Balance—

UpdatedApr 6, 2026

Details

Corporate America Family Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.64%

18-Month Share Certificate

$500

3.75%

View

▼

Rate—

Min Deposit$500

Min Balance—

UpdatedApr 6, 2026

Details

Save more when you move at least $500 from another financial institution.

UNIFY Financial Federal Credit Union

Institution Rating:

B4.4 ★Texas Ratio: 21.76%

IRA Certificate Term 18-Month Variable

$100,000

3.69%

View

▼

Rate3.63%

Min Deposit$100,000

Min Balance—

UpdatedApr 6, 2026

Details

$100,000 Minimum to Earn APY

Winston Salem Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.34%

18 Month Certificate Savings Plan

3.61%

View

▼

Rate3.55%

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

Live Oak Bank

Institution Rating:

B4.5 ★Texas Ratio: 21.35%

18-Month CD

3.60%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

REV

Institution Rating:

A+5.0 ★Texas Ratio: 0.30%

Regular Certificates 18 Month Special

3.50%

View

▼

Rate3.44%

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

Lumbee Guaranty Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.66%

Individual Retirement Account (IRA) Certificate of Deposit* 18 Month Fixed Rate IRA

$500

3.30%

View

▼

Rate3.25%

Min Deposit$500

Min Balance—

UpdatedApr 6, 2026

Details

Piedmont Advantage Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.62%

18 Month Certificate

$500

3.25%

View

▼

Rate3.20%

Min Deposit$500

Min Balance—

UpdatedApr 6, 2026

Details

Mountain Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.06%

18 Month Certificate

3.20%

View

▼

Rate3.15%

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

Truliant Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.58%

18 Month Term Certificate

3.15%

View

▼

Rate3.10%

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

Allegacy Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.91%

18 Month Certificate

$500

3.05%

View

▼

Rate3.01%

Min Deposit$500

Min Balance—

UpdatedApr 6, 2026

Details

Telco Credit Union

Institution Rating:

B-4.4 ★Texas Ratio: 22.49%

18 Month Certificate

3.04%

View

▼

Rate3.00%

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

American Partners Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.06%

18 Month IRA and Share Certificates

$1,000

2.75%

View

▼

Rate2.72%

Min Deposit$1,000

Min Balance—

UpdatedApr 6, 2026

Details

Centra Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.15%

Share Certificates 18 Month

$100,000

1.85%

View

▼

Rate1.83%

Min Deposit$100,000

Min Balance—

UpdatedApr 6, 2026

Details

Piedmont FSB

Institution Rating:

A+5.0 ★Texas Ratio: 0.44%

18-Month CD

1.01%

View

▼

Rate1.00%

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

TD Bank

Institution Rating:

A5.0 ★Texas Ratio: 6.30%

18 Month Choice CD

1.00%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

Relationship APY

Champion Credit Union Canton, NC

Institution Rating:

A+5.0 ★Texas Ratio: 4.91%

18-mo. Share Certificate

$1,000

0.75%

View

▼

Rate—

Min Deposit$1,000

Min Balance—

UpdatedApr 6, 2026

Details

Weyco Community Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 11.84%

IRA 18-Month Fixed

0.65%

View

▼

Rate0.65%

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

Audubon Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.81%

18-Month Certificate

0.55%

View

▼

Rate0.55%

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

Founders Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.65%

24 Month Fixed Rate IRA Certificates

$500

3.91%

View

▼

Rate3.85%

Min Deposit$500

Min Balance—

UpdatedApr 6, 2026

Details

COASTAL

Institution Rating:

A+5.0 ★Texas Ratio: 0.50%

24 Month Certificate

$250

3.90%

View

▼

Rate3.83%

Min Deposit$250

Min Balance—

UpdatedApr 6, 2026

Details

ElecTel Cooperative Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.21%

IRA Share Certificate (24 Month)

$500

3.85%

View

▼

Rate3.78%

Min Deposit$500

Min Balance—

UpdatedApr 6, 2026

Details

Emergency Responders Credit Union

Institution Rating:

B+4.8 ★Texas Ratio: 17.88%

24 Month JUMBO Certificates of Deposit

$30,000

3.75%

View

▼

Rate—

Min Deposit$30,000

Min Balance—

UpdatedApr 6, 2026

Details

Winston Salem Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.34%

24 Month Certificate Savings Plan

3.61%

View

▼

Rate3.55%

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

Members Credit Union Winston Salem, NC

Institution Rating:

A+5.0 ★Texas Ratio: 2.99%

IRA Certificates 24-Month

$2,000

3.51%

View

▼

Rate3.45%

Min Deposit$2,000

Min Balance—

UpdatedApr 6, 2026

Details

REV

Institution Rating:

A+5.0 ★Texas Ratio: 0.30%

Regular Certificates 24 Month

3.50%

View

▼

Rate3.44%

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

UNIFY Financial Federal Credit Union

Institution Rating:

B4.4 ★Texas Ratio: 21.76%

24-Month Share Certificate

$100,000

3.45%

View

▼

Rate3.40%

Min Deposit$100,000

Min Balance—

UpdatedApr 6, 2026

Details

$100,000 Minimum to Earn APY

CAROLINA

Institution Rating:

A+5.0 ★Texas Ratio: 0.55%

2 Year CD

3.40%

View

▼

Rate3.35%

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

($50,000 minimum)

Carolinas Telco Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.17%

24 month Share Certificate

$500

3.30%

View

▼

Rate3.25%

Min Deposit$500

Min Balance—

UpdatedApr 6, 2026

Details

Piedmont Advantage Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.62%

24 Month Certificate

$500

3.25%

View

▼

Rate3.20%

Min Deposit$500

Min Balance—

UpdatedApr 6, 2026

Details

Truliant Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.58%

24 Month Term Certificate

3.20%

View

▼

Rate3.15%

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

Allegacy Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.91%

2 Year IRA Certificate

$500

3.15%

View

▼

Rate3.10%

Min Deposit$500

Min Balance—

UpdatedApr 6, 2026

Details

Marine Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.48%

24-Month IRA

$500

3.14%

View

▼

Rate3.10%

Min Deposit$500

Min Balance—

UpdatedApr 6, 2026

Details

Mountain Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.06%

24 Month Certificate

3.10%

View

▼

Rate3.06%

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

URW Community Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 10.37%

2 Year Share Certificates (Share & IRA)

$1,000

3.09%

View

▼

Rate3.05%

Min Deposit$1,000

Min Balance—

UpdatedApr 6, 2026

Details

CS Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 0.65%

24-Month IRA Share Certificate

$500

3.05%

View

▼

Rate3.01%

Min Deposit$500

Min Balance—

UpdatedApr 6, 2026

Details

American Partners Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.06%

24 Month IRA and Share Certificates

$500

3.00%

View

▼

Rate2.96%

Min Deposit$500

Min Balance—

UpdatedApr 6, 2026

Details

Carolina Cooperative Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.75%

24 Month Term Certificate

$500

2.95%

View

▼

Rate—

Min Deposit$500

Min Balance—

UpdatedApr 6, 2026

Details

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.73%

24-month term Standard CDs

2.60%

View

▼

Rate2.57%

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

Telco Credit Union

Institution Rating:

B-4.4 ★Texas Ratio: 22.49%

24 Month Certificate

2.43%

View

▼

Rate2.40%

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

Live Oak Bank

Institution Rating:

B4.5 ★Texas Ratio: 21.35%

2-Year CD

2.00%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

Centra Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.15%

Share Certificates 24 Month

$100,000

1.90%

View

▼

Rate1.88%

Min Deposit$100,000

Min Balance—

UpdatedApr 6, 2026

Details

WNC Community Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.64%

2-Year Share Certificate

1.50%

View

▼

Rate1.50%

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

Atlantic Union Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.56%

CDs and IRAs 2 Year

1.15%

View

▼

Rate1.15%

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

Piedmont FSB

Institution Rating:

A+5.0 ★Texas Ratio: 0.44%

24-Month CD

1.01%

View

▼

Rate1.00%

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

TD Bank

Institution Rating:

A5.0 ★Texas Ratio: 6.30%

24 Month Certificate of Deposit

$250

1.00%

View

▼

Rate—

Min Deposit$250

Min Balance—

UpdatedApr 6, 2026

Details

Relationship APY

Champion Credit Union Canton, NC

Institution Rating:

A+5.0 ★Texas Ratio: 4.91%

24-mo. Share Certificate

$1,000

0.85%

View

▼

Rate—

Min Deposit$1,000

Min Balance—

UpdatedApr 6, 2026

Details

Audubon Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.81%

2-Year Certificate

0.65%

View

▼

Rate0.65%

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

Founders Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.65%

36 Month Fixed Rate IRA Certificates

$500

4.01%

View

▼

Rate3.95%

Min Deposit$500

Min Balance—

UpdatedApr 6, 2026

Details

ElecTel Cooperative Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.21%

IRA Share Certificate (36 Month)

$500

3.90%

View

▼

Rate3.83%

Min Deposit$500

Min Balance—

UpdatedApr 6, 2026

Details

Lumbee Guaranty Bank

Institution Rating:

A+5.0 ★Texas Ratio: 2.66%

Individual Retirement Account (IRA) Certificate of Deposit* 36 Month Fixed Rate IRA

$500

3.82%

View

▼

Rate3.75%

Min Deposit$500

Min Balance—

UpdatedApr 6, 2026

Details

COASTAL

Institution Rating:

A+5.0 ★Texas Ratio: 0.50%

36 Month Certificate

$250

3.70%

View

▼

Rate3.64%

Min Deposit$250

Min Balance—

UpdatedApr 6, 2026

Details

UNIFY Financial Federal Credit Union

Institution Rating:

B4.4 ★Texas Ratio: 21.76%

IRA Certificate Term 36-Month Variable

$100,000

3.58%

View

▼

Rate3.52%

Min Deposit$100,000

Min Balance—

UpdatedApr 6, 2026

Details

$100,000 Minimum to Earn APY

Members Credit Union Winston Salem, NC

Institution Rating:

A+5.0 ★Texas Ratio: 2.99%

36-MO CD

3.51%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

Emergency Responders Credit Union

Institution Rating:

B+4.8 ★Texas Ratio: 17.88%

36 Month JUMBO Certificates of Deposit

$30,000

3.50%

View

▼

Rate—

Min Deposit$30,000

Min Balance—

UpdatedApr 6, 2026

Details

Marine Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.48%

36-Month IRA

$500

3.35%

View

▼

Rate3.30%

Min Deposit$500

Min Balance—

UpdatedApr 6, 2026

Details

Piedmont Advantage Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.62%

36 Month Certificate

$500

3.30%

View

▼

Rate3.25%

Min Deposit$500

Min Balance—

UpdatedApr 6, 2026

Details

American Partners Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.06%

36 Month IRA and Share Certificates

$1,000

3.25%

View

▼

Rate3.20%

Min Deposit$1,000

Min Balance—

UpdatedApr 6, 2026

Details

CAROLINA

Institution Rating:

A+5.0 ★Texas Ratio: 0.55%

3 Year CD

3.20%

View

▼

Rate3.15%

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

($1,000 minimum)

Truliant Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.58%

36 Month Term Certificate

3.19%

View

▼

Rate3.15%

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

Mountain Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.06%

36 Month Certificate

3.05%

View

▼

Rate3.01%

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

Carolinas Telco Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.17%

36 month Share Certificate

$500

3.04%

View

▼

Rate3.00%

Min Deposit$500

Min Balance—

UpdatedApr 6, 2026

Details

Summit Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 2.72%

Jumbo and Jumbo IRA Certificates 36 Month

$10,000

3.00%

View

▼

Rate2.97%

Min Deposit$10,000

Min Balance—

UpdatedApr 6, 2026

Details

Carolina Cooperative Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.75%

36 Month Term Certificate

$500

2.85%

View

▼

Rate—

Min Deposit$500

Min Balance—

UpdatedApr 6, 2026

Details

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.73%

36-month term Standard CDs

2.75%

View

▼

Rate2.72%

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

Allegacy Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.91%

3 Year IRA Certificate

$500

2.70%

View

▼

Rate2.66%

Min Deposit$500

Min Balance—

UpdatedApr 6, 2026

Details

REV

Institution Rating:

A+5.0 ★Texas Ratio: 0.30%

Regular Certificates 36 Month

2.25%

View

▼

Rate2.22%

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

URW Community Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 10.37%

3 Year Share Certificates (Share & IRA)

$1,000

2.06%

View

▼

Rate2.05%

Min Deposit$1,000

Min Balance—

UpdatedApr 6, 2026

Details

Centra Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.15%

Share Certificates 3 Year

$100,000

2.05%

View

▼

Rate2.03%

Min Deposit$100,000

Min Balance—

UpdatedApr 6, 2026

Details

United Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 3.35%

36 Month Bump Up Certificate

$500

2.00%

View

▼

Rate1.99%

Min Deposit$500

Min Balance—

UpdatedApr 6, 2026

Details

APY with Bonus Rate: 2.10%

Atlantic Union Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.56%

CDs and IRAs 3 Year

1.25%

View

▼

Rate1.25%

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

Piedmont FSB

Institution Rating:

A+5.0 ★Texas Ratio: 0.44%

36-Month CD

1.10%

View

▼

Rate1.09%

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

Champion Credit Union Canton, NC

Institution Rating:

A+5.0 ★Texas Ratio: 4.91%

36-mo. Share Certificate

$1,000

1.05%

View

▼

Rate—

Min Deposit$1,000

Min Balance—

UpdatedApr 6, 2026

Details

TD Bank

Institution Rating:

A5.0 ★Texas Ratio: 6.30%

3 Year Certificate of Deposit

$250

1.00%

View

▼

Rate—

Min Deposit$250

Min Balance—

UpdatedApr 6, 2026

Details

Relationship APY

Audubon Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.81%

3-Year Certificate

0.80%

View

▼

Rate0.80%

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

Founders Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.65%

48 Month Fixed Rate IRA Certificates

$500

4.11%

View

▼

Rate4.05%

Min Deposit$500

Min Balance—

UpdatedApr 6, 2026

Details

COASTAL

Institution Rating:

A+5.0 ★Texas Ratio: 0.50%

48 Month Certificate

$250

3.80%

View

▼

Rate3.74%

Min Deposit$250

Min Balance—

UpdatedApr 6, 2026

Details

American Partners Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.06%

48 Month IRA and Share Certificates

$500

3.50%

View

▼

Rate3.45%

Min Deposit$500

Min Balance—

UpdatedApr 6, 2026

Details

Marine Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.48%

48-Month IRA

$500

3.40%

View

▼

Rate3.35%

Min Deposit$500

Min Balance—

UpdatedApr 6, 2026

Details

Truliant Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.58%

48 Month Term Certificate

3.35%

View

▼

Rate3.30%

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

Piedmont Advantage Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.62%

48 Month Certificate

$500

3.30%

View

▼

Rate3.25%

Min Deposit$500

Min Balance—

UpdatedApr 6, 2026

Details

Mountain Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.06%

48 Month Certificate

3.25%

View

▼

Rate3.20%

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.73%

48-month term Standard CDs

2.90%

View

▼

Rate2.86%

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

Carolinas Telco Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.17%

48 month Share Certificate

$500

2.78%

View

▼

Rate2.75%

Min Deposit$500

Min Balance—

UpdatedApr 6, 2026

Details

Carolina Cooperative Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.75%

48 Month Term Certificate

$500

2.75%

View

▼

Rate—

Min Deposit$500

Min Balance—

UpdatedApr 6, 2026

Details

Allegacy Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.91%

4 Year IRA Certificate

$500

2.70%

View

▼

Rate2.66%

Min Deposit$500

Min Balance—

UpdatedApr 6, 2026

Details

REV

Institution Rating:

A+5.0 ★Texas Ratio: 0.30%

Regular Certificates 48 Month

2.30%

View

▼

Rate2.27%

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

Centra Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.15%

Share Certificates 4 Year

$100,000

2.10%

View

▼

Rate2.08%

Min Deposit$100,000

Min Balance—

UpdatedApr 6, 2026

Details

Telco Credit Union

Institution Rating:

B-4.4 ★Texas Ratio: 22.49%

48 Month Certificate

2.02%

View

▼

Rate2.00%

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

Live Oak Bank

Institution Rating:

B4.5 ★Texas Ratio: 21.35%

4-Year CD

2.00%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

Atlantic Union Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.56%

CDs and IRAs 4 Year

1.35%

View

▼

Rate1.35%

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

Piedmont FSB

Institution Rating:

A+5.0 ★Texas Ratio: 0.44%

48-Month CD

1.10%

View

▼

Rate1.09%

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

Audubon Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 1.81%

4-Year Certificate

1.00%

View

▼

Rate1.00%

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

Source: Verified CD Rate Data provided by MonitorBankRates

Institution

Product

Min Deposit

APY

Profile

Founders Federal Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.65%

60 Month Fixed Rate IRA Certificates

$500

4.22%

View

▼

Rate4.15%

Min Deposit$500

Min Balance—

UpdatedApr 6, 2026

Details

COASTAL

Institution Rating:

A+5.0 ★Texas Ratio: 0.50%

60 Month Certificate

$250

3.80%

View

▼

Rate3.74%

Min Deposit$250

Min Balance—

UpdatedApr 6, 2026

Details

American Partners Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.06%

60 Month IRA and Share Certificates

$500

3.75%

View

▼

Rate3.69%

Min Deposit$500

Min Balance—

UpdatedApr 6, 2026

Details

Members Credit Union Winston Salem, NC

Institution Rating:

A+5.0 ★Texas Ratio: 2.99%

IRA Certificates 60-Month

$2,000

3.51%

View

▼

Rate3.45%

Min Deposit$2,000

Min Balance—

UpdatedApr 6, 2026

Details

UNIFY Financial Federal Credit Union

Institution Rating:

B4.4 ★Texas Ratio: 21.76%

60-Month Share Certificate

$100,000

3.50%

View

▼

Rate3.44%

Min Deposit$100,000

Min Balance—

UpdatedApr 6, 2026

Details

$100,000 Minimum to Earn APY

Marine Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 8.48%

60-Month IRA

$500

3.45%

View

▼

Rate3.40%

Min Deposit$500

Min Balance—

UpdatedApr 6, 2026

Details

Truliant Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.58%

60 Month Term Certificate

3.40%

View

▼

Rate3.35%

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

Piedmont Advantage Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.62%

60 Month Certificate

$500

3.30%

View

▼

Rate3.25%

Min Deposit$500

Min Balance—

UpdatedApr 6, 2026

Details

Mountain Credit Union

Institution Rating:

A+5.0 ★Texas Ratio: 4.06%

60 Month Certificate

3.25%

View

▼

Rate3.20%

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

CAROLINA

Institution Rating:

A+5.0 ★Texas Ratio: 0.55%

5 Year CD

3.20%

View

▼

Rate3.15%

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

($50,000 minimum)

Baxter Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.73%

60-month term Standard CDs

3.10%

View

▼

Rate3.06%

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

REV

Institution Rating:

A+5.0 ★Texas Ratio: 0.30%

Regular Certificates 60 Month

2.80%

View

▼

Rate2.76%

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

Allegacy Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.91%

5 Year IRA Certificate

$500

2.70%

View

▼

Rate2.66%

Min Deposit$500

Min Balance—

UpdatedApr 6, 2026

Details

Telco Credit Union

Institution Rating:

B-4.4 ★Texas Ratio: 22.49%

IRA 60 Month Certificates

2.33%

View

▼

Rate2.30%

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

Carolina Cooperative Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 6.75%

60 Month Term Certificate

$500

2.25%

View

▼

Rate—

Min Deposit$500

Min Balance—

UpdatedApr 6, 2026

Details

Centra Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 7.15%

Share Certificates 5 Year

$100,000

2.15%

View

▼

Rate2.13%

Min Deposit$100,000

Min Balance—

UpdatedApr 6, 2026

Details

Live Oak Bank

Institution Rating:

B4.5 ★Texas Ratio: 21.35%

5-Year CD

2.00%

View

▼

Rate—

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

URW Community Federal Credit Union

Institution Rating:

A5.0 ★Texas Ratio: 10.37%

5 Year Share Certificates (Share & IRA)

$1,000

1.56%

View

▼

Rate1.55%

Min Deposit$1,000

Min Balance—

UpdatedApr 6, 2026

Details

Atlantic Union Bank

Institution Rating:

A+5.0 ★Texas Ratio: 1.56%

CDs and IRAs 5 Year

1.51%

View

▼

Rate1.50%

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

Piedmont FSB

Institution Rating:

A+5.0 ★Texas Ratio: 0.44%

60-Month CD

1.10%

View

▼

Rate1.09%

Min Deposit$0

Min Balance—

UpdatedApr 6, 2026

Details

TD Bank

Institution Rating:

A5.0 ★Texas Ratio: 6.30%

5 Year Choice CD

$250

1.00%

View

▼

Rate—

Min Deposit$250

Min Balance—

UpdatedApr 6, 2026

Details

Relationship APY

Disclaimer

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.

Pendleton, NC CD Rate Trends

Compare local Pendleton, NC CD rate quotes against the statewide average

Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full North Carolina CD Trends →

12-Month CD — NC Avg

3.209%

▲ 0.382 vs 7 days ago

North Carolina 12-month CD rates rose 0.382 points over the past 7 days to 3.209% APY.

6-Month CD — NC Avg

2.041%

▼ 0.456 vs 7 days ago

North Carolina 6-month CD rates fell 0.456 points over the past 7 days to 2.041% APY.

As of Apr 6, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about CD Rates in Pendleton, North Carolina

Are CD rates in Pendleton, North Carolina FDIC insured?

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

Here are recent top rates found for this area:

U S POSTAL SERVICE: 4.25% APY (IRA Certificates 1 Year Starter Add-On)
Founders Federal Credit Union: 4.22% APY (60 Month Fixed Rate IRA Certificates)
ElecTel Cooperative Federal Credit Union: 4.15% APY (IRA Share Certificate (18 Month))
COASTAL: 3.90% APY (12 Month Certificate)
Lumbee Guaranty Bank: 3.82% APY (Individual Retirement Account (IRA) Certificate of Deposit* 36 Month Fixed Rate IRA)
Winston Salem Federal Credit Union: 3.82% APY (12 Month Certificate Savings Plan)
Carolinas Telco Federal Credit Union: 3.82% APY (6 month Share Certificate)
Live Oak Bank: 3.80% APY (1-Year CD)
Atlantic Union Bank: 3.80% APY (3 Month CD and IRA Specials)
Emergency Responders Credit Union: 3.75% APY (24 Month JUMBO Certificates of Deposit)

Rates reflect recent verified offers available in Pendleton, North Carolina. Last Updated: April 6, 2026

CD Calculators

Methodology & Data Sources

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Pendleton, 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 pulling data straight 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 Pendleton, 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: April 6, 2026

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