Bank · FDIC insured
Uwharrie Bank CD Rates
Uwharrie Bank’s best CD rate is 3.75% APY on a 17-month CD. Terms run from 4 months to 17 months. Rates checked October 22, 2026.
How Uwharrie Bank’s CD rates compare
Compared with banks and credit unions near Albemarle, NC, where Uwharrie Bank has the most branches. $10,000, best rate first.
This bank’s best
Uwharrie Bank
3.75%APY
- Term
- 17 months
- Minimum
- $10,000
- Earns on $10,000
- $535
Certificates of Deposit (CDs)
Top rate
State Employees' Credit Union
4.30%APY
- Term
- 18 months
- Minimum
- $250
- Earns on $10,000
- $652
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit (CDs)
Up to 3.75%APY · 2 terms
Interest compounded daily. Early withdrawal penalty may apply. Interest earned on collected balance less reserves. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 4–7 monthsPromotional CD offer. Choice of 4, 5, 6, or 7 month term. No monthly service fee. Early withdrawal penalty may apply | 3.50% | $115 |
| 17 monthsPromotional CD offer. 17 month term. No monthly service fee. Early withdrawal penalty may apply | 3.75% | $535 |
Sources (1)
- uwharrie.com/personal-banking/…/certificates-of-deposit · captured Sep 19, 2026
Special-purpose accounts
Promotional IRA CDs
Up to 3.75%APY · 2 terms
Interest compounded daily. Early withdrawal penalty may apply. Interest earned on collected balance less reserves. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 4–7 monthsPromotional IRA CD offer. Choice of 4, 5, 6, or 7 month term. No monthly service fee. Early withdrawal penalty may apply | 3.50% | $115 |
| 17 monthsPromotional IRA CD offer. 17 month term. No monthly service fee. Early withdrawal penalty may apply | 3.75% | $535 |
Sources (1)
- uwharrie.com/personal-banking/…/certificates-of-deposit · captured Sep 19, 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.