Compare Bank & Credit Union Rates
Best CD rates in North Carolina
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 76–90 results in North Carolina
- 3.72%APY$372 over 1 year on $10,000
Requirements
Product: Interest is compounded daily and posted monthly. Automatically renewed at prevailing rate at maturity unless instructed otherwise. Accrued dividends are forfeited if account is closed prior to monthly dividend posting. Penalties may apply for early withdrawal.
3.65% interest rate · Compounded daily · Effective Oct 1, 2026
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More details - 3.71%APY$371 over 1 year on $10,000
3.65% interest rate · Effective Aug 1, 2026
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More details - 3.66%APY$304 over 10 months on $10,000intro rate
Requirements
Product: Limited time offer. Non-renewable certificate. $1,000 minimum opening balance. Members age 55+ bonus dividend not applicable. Membership required.
Offer: Dividends accrued daily and paid monthly. Non-renewable. Early withdrawal penalties apply. Age 55+ bonus dividend not applicable.
Promotional rate · 3.60% interest rate · Effective Apr 14, 2026
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More details - 3.66%APY$745 over 24 months on $10,000
Requirements
Product: Early withdrawal penalties will substantially reduce stated APY by up to the equivalent of 180 days' dividends earned. Dividends paid monthly. Minimum deposit is $2,000 unless stated otherwise.
3.60% interest rate
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More details - 3.64%APY$180 over 6 months on $10,000
Requirements
Product: Dividends paid monthly. Rates subject to change without notice.
Offer: Dividends paid monthly. Rates subject to change without notice.
3.70% interest rate · Effective Oct 16, 2026
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More details - Credit Human Federal Credit UnionLiquid Share CertificateCD · 12 months · $5,000 min
Credit union · 1 branch
3.64%APY$364 over 1 year on $10,000Requirements
Product: Fixed 1-year term with $5,000 minimum deposit. Unlimited deposits allowed during the term. Two no-penalty withdrawals allowed during the term as long as minimum balance of $5,000 is maintained. Beyond two allowed withdrawals, early withdrawal penalty applies. Dividends paid monthly and calculated using daily balance method. Automatic renewal at maturity. Membership eligibility required.
Offer: Unlimited deposits and 2 penalty-free withdrawals during the 1-year term provided balance stays at or above $5,000.
3.58% interest rate · Effective Oct 16, 2026
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More details - 3.64%APY$741 over 24 months on $10,000
Requirements
Product: Dividends paid monthly. Rates subject to change without notice.
Offer: Dividends paid monthly. Rates subject to change without notice.
3.70% interest rate · Effective Oct 16, 2026
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More details - 3.61%APY$179 over 6 months on $10,000
Requirements
Product: Rates and terms vary. Fixed rates for the term you choose. A penalty may be imposed for early withdrawal.
Offer: Minimum Balance to Open & Earn APY: $1,000. A penalty may be imposed for early withdrawal.
3.55% interest rate
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More details - URW Community Federal Credit UnionShare CertificatesCD · 12 months · $1,000 min
Credit union · 1 branch
3.60%APY$360 over 1 year on $10,000Requirements
Product: Dividends can be withdrawn without penalty. Penalty for early withdrawal of principal balance is 180 days' dividends on the amount withdrawn. Fixed interest rate.
3.55% interest rate
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More details - 3.60%APY$733 over 24 months on $10,000
Requirements
Product: Early withdrawal penalty may apply. $2,500.00 minimum deposit. 6 - 24 month certificates available. Rates are subject to change monthly.
3.54% interest rate · Effective Sep 1, 2025
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More details - 3.60%APY$1,119 over 36 months on $10,000
Requirements
Product: Deposit a minimum of $500. Small penalty fee for early withdrawal.
3.55% interest rate · Effective Jun 1, 2026
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More details - 3.55%APY$176 over 6 months on $10,000
Requirements
Product: Dividends are paid at maturity and added to the balance of the CD. Automatically renewed unless previous arrangements have been made. A penalty may be imposed for early withdrawals.
Offer: Dividends are paid at maturity and added to the balance of the CD. Automatically renewed unless previous arrangements have been made. A penalty may be imposed for early withdrawals.
3.50% interest rate · Effective Jan 1, 2025
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More details - 3.54%APY$536 over 18 months on $10,000
Requirements
Product: Dividends paid monthly. Rates subject to change without notice.
Offer: Dividends paid monthly. Rates subject to change without notice.
3.60% interest rate · Effective Oct 16, 2026
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More details - 3.54%APY$1,100 over 36 months on $10,000
Requirements
Product: Dividends paid monthly. Rates subject to change without notice.
Offer: Dividends paid monthly. Rates subject to change without notice.
3.60% interest rate · Effective Oct 16, 2026
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More details - 3.50%APY$173 over 6 months on $10,000
Effective Jan 1, 2026
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Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What CDs pay in North Carolina
891 CDs at 94 banks and credit unions · checked Oct 15–22
- Typical
- 3.00%
- Top 10% from
- 4.07%
- Banks, typical
- 1.50%
- Credit unions, typical
- 3.40%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
North Carolina
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Skyla Credit UnionCredit union · 17 branches
- Langley Credit UnionCredit union · 1 branch
- ElecTel Cooperative Federal Credit UnionCredit union · 5 branches