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Credit union · NCUA insured

WNC Community CU CD Rates

WNC Community CU’s best CD rate is 3.00% APY on a 6-month share certificate (CD). Terms run from 6 months to 2 years. Rates checked October 22, 2026.

How WNC Community CU’s CD rates compare

Compared with banks and credit unions near Waynesville, NC, where WNC Community CU has the most branches. $10,000, best rate first.

  • This credit union’s best

    WNC Community CU

    3.00%APY

    Term
    6 months
    Minimum
    —
    Earns on $10,000
    $149

    Share Certificate

  • Top Carrot, Carrot Score 94

    Top rate

    State Employees' Credit Union

    4.30%APY

    Term
    18 months
    Minimum
    $250
    Earns on $10,000
    $652

    State Employees' Credit Union rates

  • 2nd-highest rate

    Woodforest National Bank

    4.25%APY

    Term
    9 months
    Minimum
    $500
    Earns on $10,000
    $317

    Woodforest National Bank rates

Compare CD rates near you →

WNC Community CU CD score

64

CD score

Higher than 10% of U.S. banks and credit unions

By term
  • 3–8 months3–8 mo3.00%
  • 9–15 months9–15 mo2.00%
  • 16–30 months16–30 mo2.00%
  • QualifiedQualified3.00%

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.

How the score works →

Where WNC Community CU 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.

Who can join WNC Community CU

This may be incomplete or out of date, so check with the credit union before you apply.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, or worships in Haywood and Jackson Counties.

Membership information collected October 4, 2026.

Check membership requirements ↗Branches and institution details
← WNC Community CU overview