Credit union · NCUA insured
Carolina Federal Credit Union CD Rates
Carolina Federal Credit Union’s best CD rate is 4.00% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Carolina Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Charlotte, NC-SC, where Carolina Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Carolina Federal Credit Union
3.90%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $193
Certificate of Deposit
Top rate
Allegacy Financial
5.00%APY
- Term
- 5 months
- Minimum
- $500
- Earns on $10,000
- $205
2nd-highest rate
Truliant Federal Credit Union
5.00%APY
- Term
- 12 months
- Minimum
- —
- Earns on $10,000
- $500
Carolina Federal Credit Union CD score
83
CD score
Higher than 63% of U.S. banks and credit unions
- 3–8 months3–8 mo3.90%
- 9–15 months9–15 mo3.75%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo3.50%
- QualifiedQualified3.90%
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 Carolina Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit
Up to 3.90%APY · 5 terms
Dividends calculated daily, compounded and credited monthly. Automatically renews at maturity at current interest rate unless notified. Early withdrawal penalties apply.
| Term | APY · $1,000 and up | APY · $50,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months | 3.90% | — | 3.90% | $193 |
| 12 months | 3.75% | 4.00% | 3.75%4.00% from $50k | $375 |
| 24 months | 3.50% | 3.60% | 3.50%3.60% from $50k | $712 |
| 36 months | 3.50% | 3.60% | 3.50%3.60% from $50k | $1,087 |
| 60 months | 3.50% | 3.60% | 3.50%3.60% from $50k | $1,877 |
Sources (2)
- carolinafcu.org/resources/rates/deposit-rates
- carolinafcu.org/deposit/certif…s/certificate-of-deposit
All captured Oct 4, 2026
Who can join Carolina Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, goes to school, or worships in Gaston or Cleveland County.
Employers and groups
- Membership is open to eligible employees and retirees of sponsored/partnered companies and associations.
Family and household
- Membership is open to all family members of eligible individuals.
Membership information collected October 4, 2026.