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CD Rates Wake Forest, North Carolina (NC) for April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: April 12, 2026

Current Wake Forest, North Carolina CD rates include ElecTel Cooperative Federal Credit UnionElecTel Cooperative Federal Credit Union414 Wait Ave, WAKE FOREST, NC 27587A+5.0 ★Texas Ratio: 1.21% offering IRA Share Certificate (18 Month) at 4.15% APY, Piedmont FSBPiedmont FSB302 Brooks St, Wake Forest, NC 27587A+5.0 ★Texas Ratio: 0.44% offering IRA 12-Month Fixed at 3.00% APY, Wells FargoWells Fargo3600 Rogers Rd, Wake Forest, NC 27587A5.0 ★Texas Ratio: 7.44% offering 1 year Standard Fixed Rate CD at 1.51% APY, Fort Financial Federal Credit UnionFort Financial Federal Credit UnionA+5.0 ★Texas Ratio: 3.12% offering 12-Month IRA/ESA Certificate Premier Member at 4.50% APY, and 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. CD rates as of April 12, 2026 according to verified data from MonitorBankRates.

Wake Forest has 16 local institutions in our database, with CD rates as high as 4.15% APY from ElecTel Cooperative Federal Credit Union at 414 Wait Ave, WAKE FOREST, NC 27587. 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 — 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 12, 2026

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

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
302 Brooks St, Wake Forest, NC 27587
3-Month CD
$0
0.50%
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3600 Rogers Rd, Wake Forest, NC 27587
3 month Standard Fixed Rate CD
$2,500
0.06%
View
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details

Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
3 Month CD and IRA Specials
$0
3.80%
View
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 2026
Details

$100,000 Minimum to Earn APY

Live Oak Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.35%
3-month CD
$0
3.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 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 12, 2026
Details

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 12, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
3-month term Certificates (CDs)
$0
0.60%
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

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%
414 Wait Ave, WAKE FOREST, NC 27587
IRA Share Certificate (180 Day)
$500
3.80%
View
▼
Rate3.73%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
302 Brooks St, Wake Forest, NC 27587
6-Month CD
$0
1.75%
View
▼
Rate1.73%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3600 Rogers Rd, Wake Forest, NC 27587
6 month Standard Fixed Rate CD
$2,500
0.06%
View
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details

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 12, 2026
Details

REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Regular Certificates 6 Month
$0
3.75%
View
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Live Oak Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.35%
6-month CD
$2,500
3.70%
View
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 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 12, 2026
Details

CAROLINA
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
6 Month CD
$0
3.60%
View
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

($1,000 minimum)

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 12, 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 12, 2026
Details

$100,000 Minimum to Earn APY

HealthShare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
6-Month Share Certificate
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 2026
Details

Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
6 Month Term Certificate
$500
3.00%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 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 12, 2026
Details

Telco Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.49%
6 Month Certificate
$0
2.53%
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 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 12, 2026
Details

Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
Certificates minimum) 6 Month
$1,000
1.40%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

$1,000

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
6-month term Certificates (CDs)
$0
1.35%
View
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
6-Month Certificate (Premier Member)
$500
0.85%
View
▼
Rate0.85%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Winston Salem Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
6 Month Certificate Savings Plan
$0
0.15%
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 2026
Details

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%
414 Wait Ave, WAKE FOREST, NC 27587
IRA Share Certificate (12 Month)
$500
4.00%
View
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
302 Brooks St, Wake Forest, NC 27587
IRA 12-Month Fixed
$0
3.00%
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3600 Rogers Rd, Wake Forest, NC 27587
1 year Standard Fixed Rate CD
$2,500
1.51%
View
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
12-Month IRA/ESA Certificate Premier Member
$500
4.50%
View
▼
Rate4.41%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
IRA Certificates 1 Year Starter Add-On
$0
4.25%
View
▼
Rate4.18%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 2026
Details

Winston Salem Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
12 Month Certificate Savings Plan
$0
3.82%
View
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
12 Month Fixed Rate IRA Certificates
$500
3.80%
View
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Regular Certificates 12 Month Special
$0
3.75%
View
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 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. Member FDIC

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 12, 2026
Details

Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
12 Month CD
$0
3.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

CAROLINA
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
1 Year CD
$0
3.45%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

($1,000 minimum)

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
12 month Share Certificate
$500
3.40%
View
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Duke University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
IRA Certificate 6-12 month term
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 2026
Details

ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
12-Month Certificates
$0
3.20%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
12 Month Certificate
$500
3.15%
View
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Telco Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.49%
12 Month Certificate
$0
2.99%
View
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
Regular, IRA & Business Jumbo Certificates 1 year
$0
2.78%
View
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 2026
Details

WNC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
12-Month Share Certificate
$0
2.00%
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 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 12, 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 Certificates (CDs)
$0
1.40%
View
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
12 Month IRA Certificates
$250
1.00%
View
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 12, 2026
Details

Relationship APY

Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
IRA 12-Month Fixed
$0
0.55%
View
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
1-Year Certificate (365 Days)
$0
0.50%
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 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%
414 Wait Ave, WAKE FOREST, NC 27587
IRA Share Certificate (18 Month)
$500
4.15%
View
▼
Rate4.07%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
302 Brooks St, Wake Forest, NC 27587
IRA 18-Month Fixed
$0
1.10%
View
▼
Rate1.09%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 2026
Details

Live Oak Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.35%
18-Month CD
$2,500
3.70%
View
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details

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 12, 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
$0
3.61%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
18-Month IRA/ESA Certificate Premier Member
$500
3.50%
View
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
18-month term
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 2026
Details

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
18 Month IRA Certificate
$500
3.15%
View
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Telco Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.49%
18 Month Certificate
$0
3.04%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Regular Certificates 18 Month
$0
3.00%
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 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 12, 2026
Details

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
18 Month IRA Certificates
$250
1.00%
View
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 12, 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 12, 2026
Details

Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
IRA 18-Month Fixed
$0
0.65%
View
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
18-Month Certificate
$0
0.55%
View
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

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%
414 Wait Ave, WAKE FOREST, NC 27587
IRA Share Certificate (24 Month)
$500
3.85%
View
▼
Rate3.78%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
302 Brooks St, Wake Forest, NC 27587
IRA 24-Month Fixed
$0
1.10%
View
▼
Rate1.09%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

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 12, 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 12, 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 12, 2026
Details

Winston Salem Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
24 Month Certificate Savings Plan
$0
3.61%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 2026
Details

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
24-Month IRA/ESA Certificate Premier Member
$500
3.50%
View
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 12, 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 12, 2026
Details

$100,000 Minimum to Earn APY

CAROLINA
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
2 Year CD
$0
3.40%
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
24-month term Certificates (CDs)
$0
2.60%
View
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Telco Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.49%
24 Month Certificate
$0
2.43%
View
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Live Oak Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.35%
2-Year CD
$0
2.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 2026
Details

WNC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
2-Year Share Certificate
$0
1.50%
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
CDs and IRAs 2 Year
$0
1.15%
View
▼
Rate1.15%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
IRA 24-Month Fixed
$0
0.85%
View
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
24-mo. Share Certificate
$1,000
0.80%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
2-Year Certificate
$0
0.65%
View
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

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%
414 Wait Ave, WAKE FOREST, NC 27587
IRA Share Certificate (36 Month)
$500
3.90%
View
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
302 Brooks St, Wake Forest, NC 27587
36-Month CD
$0
1.10%
View
▼
Rate1.09%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

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 12, 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 12, 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 12, 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 12, 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
$0
3.51%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 2026
Details

Winston Salem Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
36 Month Certificate Savings Plan
$0
3.35%
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Duke University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
IRA Certificate 25-36 month term
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 2026
Details

CAROLINA
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
3 Year CD
$0
3.20%
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

($1,000 minimum)

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 12, 2026
Details

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
36-Month Certificate (Premier Member)
$500
3.00%
View
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedApr 12, 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 12, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
36-month term Certificates (CDs)
$0
2.75%
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 2026
Details

REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Regular Certificates 36 Month
$0
2.25%
View
▼
Rate2.22%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 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 12, 2026
Details

Live Oak Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.35%
3-Year CD
$0
2.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
CDs and IRAs 3 Year
$0
1.25%
View
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
3-Year Certificate
$0
0.80%
View
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
302 Brooks St, Wake Forest, NC 27587
48-Month CD
$0
1.10%
View
▼
Rate1.09%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

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 12, 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 12, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
48-Month Share Certificate
$100,000
3.50%
View
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details

$100,000 Minimum to Earn APY

Winston Salem Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
48 Month Certificate Savings Plan
$0
3.35%
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 2026
Details

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
48-Month Certificate (Premier Member)
$500
3.00%
View
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
48-month term Certificates (CDs)
$0
2.90%
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 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 12, 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 12, 2026
Details

REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Regular Certificates 48 Month
$0
2.30%
View
▼
Rate2.27%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 2026
Details

Telco Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.49%
48 Month Certificate
$0
2.02%
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Live Oak Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.35%
4-Year CD
$0
2.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
CDs and IRAs 4 Year
$0
1.35%
View
▼
Rate1.35%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
4-Year Certificate
$0
1.00%
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
302 Brooks St, Wake Forest, NC 27587
60-Month CD
$0
1.10%
View
▼
Rate1.09%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

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 12, 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 12, 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 12, 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 12, 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 12, 2026
Details

$100,000 Minimum to Earn APY

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 12, 2026
Details

CAROLINA
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
5 Year CD
$0
3.20%
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

($50,000 minimum)

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
60-month term Certificates (CDs)
$0
3.10%
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
60-Month Certificate (Premier Member)
$500
3.00%
View
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details

REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Regular Certificates 60 Month
$0
2.80%
View
▼
Rate2.76%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 2026
Details

Telco Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.49%
IRA 60 Month Certificates
$0
2.33%
View
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 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 12, 2026
Details

Live Oak Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.35%
5-Year CD
$0
2.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 2026
Details

Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
CDs and IRAs 5 Year
$0
1.51%
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

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.

Wake Forest, NC CD Rate Trends

Compare local Wake Forest, 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
2.339%
▼ 0.871 vs 7 days ago

North Carolina 12-month CD rates fell 0.871 points over the past 7 days to 2.339% APY.

6-Month CD — NC Avg
1.973%
▼ 0.067 vs 7 days ago

North Carolina 6-month CD rates fell 0.067 points over the past 7 days to 1.973% APY.

As of Apr 12, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about CD Rates in Wake Forest, North Carolina

Are CD rates in Wake Forest, North Carolina FDIC insured?

Yes, most established banks in Wake Forest, 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 Wake Forest, 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 Wake Forest, 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 Wake Forest, 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 Wake Forest, North Carolina?

Here are recent top rates found for this area:
  • ElecTel Cooperative Federal Credit Union: 4.15% APY (IRA Share Certificate (18 Month))
  • Piedmont FSB: 3.00% APY (IRA 12-Month Fixed)
  • Wells Fargo: 1.51% APY (1 year Standard Fixed Rate CD)
  • Fort Financial Federal Credit Union: 4.50% APY (12-Month IRA/ESA Certificate Premier Member)
  • 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)
  • COASTAL: 3.90% APY (18 Month Certificate)
  • Carolinas Telco Federal Credit Union: 3.82% APY (6 month Share Certificate)
  • Winston Salem Federal Credit Union: 3.82% APY (12 Month Certificate Savings Plan)
  • Lumbee Guaranty Bank: 3.82% APY (Individual Retirement Account (IRA) Certificate of Deposit* 36 Month Fixed Rate IRA)
Rates reflect recent verified offers available in Wake Forest, North Carolina. Last Updated: April 12, 2026

CD Calculators

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Methodology & Data Sources

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Wake Forest, 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 Wake Forest, 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 12, 2026

Wake Forest, North Carolina Rates & Resources

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