Bank · FDIC insured
Providence Bank CD Rates
Providence Bank’s best CD rate is 4.20% APY on a 25-month CD. Terms run from 4 months to 5 years. Rates checked October 22, 2026.
How Providence Bank’s CD rates compare
Compared with banks and credit unions near Rocky Mount, NC, where Providence Bank has the most branches. $10,000, best rate first.
This bank’s best
Providence Bank
4.20%APY
- Term
- 25 months
- Minimum
- $1,000
- Earns on $10,000
- $895
CD Specials
Top rate
Coastal Credit Union
4.50%APY
- Term
- 60 months
- Minimum
- $250
- Earns on $10,000
- $2,462
2nd-highest rate
Centra Credit Union
4.35%APY
- Term
- 8 months
- Minimum
- $500
- Earns on $10,000
- $288
Providence Bank CD score
87
CD score
Higher than 78% of U.S. banks and credit unions
- 3–8 months3–8 mo4.10%
- 9–15 months9–15 mo2.25%
- 16–30 months16–30 mo4.20%
- 31–60 months31–60 mo2.00%
- QualifiedQualified4.20%
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 Providence 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.
CD Specials
Up to 4.20%APY · 4 terms
Open with $1,000 minimum deposit. Early withdrawal penalties may apply. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 4 months | 4.00% | $132 |
| 8 months | 4.10% | $271 |
| 17 months | 4.15% | $593 |
| 25 months | 4.20% | $895 |
Sources (1)
- pbknc.com/resources/cd-rates · captured Sep 19, 2026
Standard CD
Up to 2.75%APY · 5 terms
Open with $1,000 minimum deposit. Automatically renewable. Early withdrawal penalties may apply. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.00% | $100 |
| 12 months | 2.25% | $225 |
| 18 months | 2.75% | $415 |
| 24 months | 2.75% | $558 |
| 60 months | 2.00% | $1,041 |
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.