Bank · FDIC insured
Benchmark Community Bank CD Rates
Benchmark Community Bank’s best CD rate is 3.15% APY on a 2-year CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Benchmark Community Bank’s CD rates compare
Compared with banks and credit unions near Raleigh, NC, where Benchmark Community Bank has the most branches. $10,000, best rate first.
This bank’s best
Benchmark Community Bank
3.75%APY
- Term
- 12 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $375
Special Rates - Time Deposits
Top rate
Langley Credit Union
4.50%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $2,462
2nd-highest rate
Coastal Credit Union
4.50%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $250
- Earns on $10,000
- $2,462
Benchmark Community Bank CD score
69
CD score
Higher than 23% of U.S. banks and credit unions
- 3–8 months3–8 mo1.90%
- 9–15 months9–15 mo3.00%
- 16–30 months16–30 mo3.15%
- 31–60 months31–60 mo2.85%
- QualifiedQualified3.75%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Benchmark Community Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Special Rates - Time Deposits
3.75%APY · 1 term
Offered only to customers that are an owner of an active Benchmark Community Bank (BCB) checking account that has had one or more deposits of at least $100 AND six or more debits in the last 30 days. New customers who open a primary checking relationship are also eligible. $500 minimum opening deposit. Certificate of deposit is not available as an Individual Retirement Account (IRA). Penalty may be imposed for withdrawals made before maturity. Interest is compounded quarterly. At maturity, automatically renews for the 12-month term at the then current non-promotional rate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsOffered only to customers that are an owner of an active Benchmark Community Bank (BCB) checking account that has had one or more deposits of at least $100 AND six or more debits in the last 30 days. New customers who open a primary checking relationship are also eligible. Not available as an IRA. Interest compounded quarterly. Penalty may be imposed for early withdrawal. Automatically renews for 12-month term at then current non-promotional rate | 3.75% | $375 |
Sources (1)
- bcbforlife.bank/rates · captured Oct 15, 2026
Regular Time Deposits / Certificates of Deposit
Up to 3.15%APY · 7 terms
$500 minimum to open. Penalty for early withdrawal. Interest is compounded quarterly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsPremium rate; call local branch for information on qualifying for Premium Rates. Interest compounded quarterly. Penalty for early withdrawal | 0.85% | $21 |
| 3 monthsRegular rate. Interest compounded quarterly. Penalty for early withdrawal | 0.60% | $15 |
| 6 monthsPremium rate; call local branch for information on qualifying for Premium Rates. Interest compounded quarterly. Penalty for early withdrawal | 1.90% | $95 |
| 6 monthsRegular rate. Interest compounded quarterly. Penalty for early withdrawal | 1.50% | $75 |
| 12 monthsPremium rate; call local branch for information on qualifying for Premium Rates. Interest compounded quarterly. Penalty for early withdrawal | 3.00% | $300 |
| 12 monthsRegular rate. Interest compounded quarterly. Penalty for early withdrawal | 2.00% | $200 |
| 24 monthsPremium rate; call local branch for information on qualifying for Premium Rates. Interest compounded quarterly. Penalty for early withdrawal | 3.15% | $640 |
| 24 monthsRegular rate. Interest compounded quarterly. Penalty for early withdrawal | 2.25% | $455 |
| 36 monthsPremium rate; call local branch for information on qualifying for Premium Rates. Interest compounded quarterly. Penalty for early withdrawal | 2.85% | $880 |
| 36 monthsRegular rate. Interest compounded quarterly. Penalty for early withdrawal | 2.15% | $659 |
| 48 monthsPremium rate; call local branch for information on qualifying for Premium Rates. Interest compounded quarterly. Penalty for early withdrawal | 2.65% | $1,103 |
| 48 monthsRegular rate. Interest compounded quarterly. Penalty for early withdrawal | 1.75% | $719 |
| 60 monthsPremium rate; call local branch for information on qualifying for Premium Rates. Interest compounded quarterly. Penalty for early withdrawal | 2.50% | $1,314 |
| 60 monthsRegular rate. Interest compounded quarterly. Penalty for early withdrawal | 1.60% | $826 |
Special-purpose accounts
Individual Retirement Accounts (IRAs) / IRA Time Deposits
Up to 3.15%APY · 7 terms
$500 minimum to open. Penalty for early withdrawal. Interest is compounded quarterly. Traditional and Roth IRA wrappers available.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsPremium rate; call local branch for information on qualifying for Premium Rates. Interest compounded quarterly. Penalty for early withdrawal | 0.85% | $21 |
| 3 monthsRegular rate. Interest compounded quarterly. Penalty for early withdrawal | 0.60% | $15 |
| 6 monthsPremium rate; call local branch for information on qualifying for Premium Rates. Interest compounded quarterly. Penalty for early withdrawal | 1.90% | $95 |
| 6 monthsRegular rate. Interest compounded quarterly. Penalty for early withdrawal | 1.50% | $75 |
| 12 monthsPremium rate; call local branch for information on qualifying for Premium Rates. Interest compounded quarterly. Penalty for early withdrawal | 3.00% | $300 |
| 12 monthsRegular rate. Interest compounded quarterly. Penalty for early withdrawal | 2.00% | $200 |
| 24 monthsPremium rate; call local branch for information on qualifying for Premium Rates. Interest compounded quarterly. Penalty for early withdrawal | 3.15% | $640 |
| 24 monthsRegular rate. Interest compounded quarterly. Penalty for early withdrawal | 2.25% | $455 |
| 36 monthsPremium rate; call local branch for information on qualifying for Premium Rates. Interest compounded quarterly. Penalty for early withdrawal | 2.85% | $880 |
| 36 monthsRegular rate. Interest compounded quarterly. Penalty for early withdrawal | 2.15% | $659 |
| 48 monthsPremium rate; call local branch for information on qualifying for Premium Rates. Interest compounded quarterly. Penalty for early withdrawal | 2.65% | $1,103 |
| 48 monthsRegular rate. Interest compounded quarterly. Penalty for early withdrawal | 1.75% | $719 |
| 60 monthsPremium rate; call local branch for information on qualifying for Premium Rates. Interest compounded quarterly. Penalty for early withdrawal | 2.50% | $1,314 |
| 60 monthsRegular rate. Interest compounded quarterly. Penalty for early withdrawal | 1.60% | $826 |
Sources (3)
- bcbforlife.bank/personal-savings
- bcbforlife.bank/rates
- bcbforlife.bank/w/individual-retirement-accounts
All captured Oct 15, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.