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 106–120 results in North Carolina
- 3.27%APY$1,374 over 48 months on $10,000
Requirements
Product: Minimum balance of $1,000 required to obtain disclosed APY. Early withdrawal penalty may be imposed. Additional deposits during term not allowed.
3.22% interest rate · Effective Feb 20, 2026
Rate checked
More details - Emergency Responders Credit UnionCertificates of DepositCD · 6 months · $500 min
Credit union · 1 branch
3.25%APY$161 over 6 months on $10,000Requirements
Product: Available to emergency responders and their families across North Carolina. Early withdrawal penalties apply; fees may reduce earnings.
Offer: Early withdrawal penalties apply; fees may reduce earnings.
Effective Sep 23, 2026
Rate checked
More details - USPS Federal Credit UnionMoney Market Add-On CertificateCD · 6 months · $5,000 min
Credit union · 1 branch
3.25%APY$161 over 6 months on $10,0003.20% interest rate · Balance cap $500,000
Rate checked
More details - 3.25%APY$325 over 1 year on $10,000
Requirements
Product: Variable rate accounts; rates adjusted at the discretion of the Board of Directors and subject to change at any time. Early withdrawal penalty is loss of 90 days dividends.
Offer: Early withdrawal penalty is loss of 90 days dividends. Variable rate.
3.20% interest rate · Effective May 1, 2026
Rate checked
More details - 3.25%APY$661 over 24 months on $10,000
Requirements
Product: Available exclusively online. $1,000 minimum deposit. Consumer accounts only.
Offer: Available exclusively online.
3.20% interest rate · Balance cap $250,000 · Effective Feb 17, 2026
Rate checked
More details - 3.25%APY$161 over 6 months on $10,000
3.20% interest rate · Effective Sep 21, 2026
Rate checked
More details - 3.20%APY$185 over 7 months on $10,000
Requirements
Product: Start out with as little as $500. Terms from 180 days to 5 years. Maximum certificate $2,000,000 for featured terms. Penalty may be imposed for early withdrawal. Fees may reduce earnings. Automatic renewal or single term maturity.
Offer: Existing customers must deposit a minimum of $5,000 to open the account and maintain a minimum balance of $5,000 each day to obtain disclosed APY. Penalty may be imposed for early withdrawal. Fees may reduce earnings. Eligible for both consumers and businesses.
Balance cap $2,000,000 · Effective Dec 22, 2025
Rate checked
More details - 3.15%APY$315 over 1 year on $10,000
Requirements
Product: A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term or following any partial withdrawal. Automatically renews into a 3 Month Flexible CD at maturity unless changed during 7-day grace period. Online opening limit is $250,000.
3.11% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Flexible CD Balance APY Up to $9,999 3.15% $10,000 – $99,999Your amount 3.15% $100,000 – $999,999 3.65% $1,000,000 and up 3.65% Rate checked
More details - 3.15%APY$315 over 1 year on $10,000
Requirements
Product: Must be at least 18 years of age and a legal resident of North Carolina. Limit one Save to Win account per Social Security Number. Not eligible for bonus dividend. Allows add-on deposits. Early withdrawal penalty applies ($25 for first withdrawal, closure for second).
Offer: Dividends accrued daily and paid monthly. Entry into monthly/quarterly prize drawings with each $25 balance increase. Early withdrawal penalties apply.
3.10% interest rate · Effective Apr 14, 2026
Rate checked
More details - Benchmark Community BankRegular Time Deposits / Certificates of DepositCD · 24 months · $500 min
Bank · 4 branches
3.15%APY$640 over 24 months on $10,000Requirements
Product: $500 minimum to open. Penalty for early withdrawal. Interest is compounded quarterly.
Offer: Premium rate; call local branch for information on qualifying for Premium Rates. Interest compounded quarterly. Penalty for early withdrawal.
3.11% interest rate · Compounded quarterly · Effective Oct 14, 2026
Rate checked
More details - 3.15%APY$1,677 over 60 months on $10,000
Requirements
Product: Minimum deposit $500 ($100 for Youth Club 0-12 yrs and Teen Club 13-17 yrs). Add-on deposits permitted anytime throughout the term. Members age 55+ receive a 0.15% bonus dividend above the current rate.
Offer: Dividends accrued daily and paid monthly. Members age 55+ receive 0.15% bonus dividend. Youth/Teen Club minimum deposit $100. Early withdrawal penalty applies.
3.10% interest rate · Effective Apr 14, 2026
Rate checked
More details - Revity Federal Credit UnionMini Jumbo CertificateCD · 60 months · $10,000 min
Credit union · 3 branches
3.15%APY$1,677 over 60 months on $10,000Requirements
Product: Minimum deposit $10,000. Add-on deposits permitted for non-IRA certificates. Members age 55+ receive a 0.15% bonus dividend above the current rate.
Offer: Dividends accrued daily and paid monthly. Members age 55+ receive 0.15% bonus dividend. Early withdrawal penalty applies.
3.10% interest rate · Effective Apr 14, 2026
Rate checked
More details - 3.10%APY$1,649 over 60 months on $10,000
Requirements
Product: All CDs require a $500 minimum deposit. Early withdrawal penalty applies.
Offer: Rewards APY tier.
3.06% interest rate
Rate checked
More details - URW Community Federal Credit UnionBump-Up Share CertificateCD · 24 months · $5,000 min
Credit union · 1 branch
3.09%APY$628 over 24 months on $10,000Requirements
Product: Bump-up Certificate option allows adjusting the rate during the term.
Rate checked
More details - Telco Credit UnionCertificates of Deposits (CDs)CD · 18 months · $1,000 min
Credit union · 2 branches
3.04%APY$459 over 18 months on $10,000Requirements
Product: Member of Telco Credit Union. Must complete CD application. No fee unless withdrawal before maturity date.
3.00% interest rate
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More details
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%
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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