Bank · FDIC insured
Lumbee Guaranty Bank CD Rates
Lumbee Guaranty Bank’s best CD rate is 4.25% APY on a 10-month CD, with extra requirements. Terms run from 4 months to 13 months. Rates checked October 4, 2026.
How Lumbee Guaranty Bank’s CD rates compare
Compared with banks and credit unions in North Carolina, where Lumbee Guaranty Bank has the most branches. $10,000, best rate first.
This bank’s best
Lumbee Guaranty Bank
4.25%APY
- Term
- 10 months
- Requires
- Another account
- Minimum
- $2,500
- Earns on $10,000
- $353
10-Month High-Yield CD
Top rate
Allegacy Financial
5.00%APY
- Term
- 5 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $205
2nd-highest rate
Truliant Federal Credit Union
5.00%APY
- Term
- 12 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $500
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
10-Month High-Yield CD
4.25%APY · 1 term
Requires minimum deposit and balance of $2,500 and checking account with Lumbee Guaranty Bank. For new & existing Cumberland County customers. At maturity, the CD automatically renews to the same term and current non-special rate in effect at the time of renewal. Penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 10 monthsRequires minimum deposit and balance of $2,500 and checking account with Lumbee Guaranty Bank. At maturity, the CD automatically renews to the same term and current non-special rate in effect at the time of renewal. Penalty may be imposed for early withdrawal | 4.25% | $353 |
Sources (1)
- lumbeeguarantybank.com/great-rates-ad · captured Oct 4, 2026
Certificate of Deposit Specials
Up to 4.25%APY · 3 terms
Checking account required. At maturity, the CD will automatically renew to the same term and the current non-special rate in effect at the time of renewal. Penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 4 monthsChecking Account Required. Early withdrawal penalty may apply. Automatically renews to current non-special rate | 3.75% | $123 |
| 9 monthsChecking Account Required. Early withdrawal penalty may apply. Automatically renews to current non-special rate | 4.10% | $306 |
| 13 monthsNew Money Only. Checking Account Required. Early withdrawal penalty may apply. Automatically renews to current non-special rate | 4.25% | $461 |
Sources (1)
- lumbeeguarantybank.com/resources-support/rates-fees · captured Oct 4, 2026
Special-purpose accounts
Individual Retirement Account (IRA) Certificate of Deposit
Up to 3.82%APY · 2 terms
At maturity, the IRA will automatically renew to the same term and the current rate in effect at the time of renewal. Penalty may be imposed for early withdrawal. Variable rate may change after account is opened.
| Term | APY · $100 and up | APY · $500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 18 monthsFixed rate. Penalty may be imposed for early withdrawal | — | 3.30% | 3.30% | $499 |
| 18 monthsVariable rate may change after account is opened. Penalty may be imposed for early withdrawal | 3.30% | — | 3.30% | $499 |
| 36 monthsFixed rate. Penalty may be imposed for early withdrawal | — | 3.82% | 3.82% | $1,190 |
Sources (1)
- lumbeeguarantybank.com/resources-support/rates-fees · captured Oct 4, 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.