Compare Bank & Credit Union Rates
Best CD rates and certificates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Charlotte, NC-SC metro
- Truliant Federal Credit UnionRegular CertificatesCD · 12 months · $250 min · 2.99%–5.00% by balance
Credit union · 10 branches
5.00%APY$500 over 1 year on $10,0002.96% interest rate · Effective Oct 4, 2026
Rate by balance
Rate by balance for Regular Certificates Balance APY $250 and up 2.99% $5,000 and upYour amountLimited-time offer. Penalty for early withdrawal. Funds will roll over into an 12-month regular certificate upon maturity. Not available for business certificates. 5.00% $25,000 and up 3.10% $100,000 and up 3.15% Rate checked
More details - Piedmont Advantage Credit Union12-Month Special Limited Term CertificateCD · 12 months · $5,000 min
Credit union · 2 branches
5.00%APY$500 over 1 year on $10,000intro rateRequirements
Product: Penalty for early withdrawal. Not available on Business accounts. Special requires a minimum deposit of $5,000 and entire balance must come from funds not currently on deposit at Truliant or Piedmont Advantage, a division of Truliant Federal Credit Union.
Offer: Special requires a minimum deposit of $5,000 and entire balance must come from funds not currently on deposit at Truliant or Piedmont Advantage, a division of Truliant Federal Credit Union. Not available on Business accounts. Penalty for early withdrawal. Limited time offer.
Promotional rate · 4.88% interest rate · Effective Oct 2, 2026
Rate checked
More details - 4.10%APY$410 over 1 year on $10,000
4.03% interest rate · Effective Oct 1, 2026
Rate checked
More details - Navy Federal Credit UnionStandard CertificateCD · 12 months · $1,000 min · 4.05%–4.10% by balance
Credit union · 1 branch
4.05%APY$405 over 1 year on $10,000Effective Oct 22, 2026
Rate by balance
Rate by balance for Standard Certificate Balance APY $1,000 and upYour amount 4.05% $20,000 and up 4.05% $100,000 and up 4.10% Rate checked
More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Offer: You can add money any time until maturity. No maximum balance.
3.92% interest rate · Effective Oct 22, 2026
Rate checked
More details - State Employees' Credit UnionShare Term Certificate (STC) AccountCD · 12 months · $250 min
Credit union · 35 branches
4.00%APY$400 over 1 year on $10,000Requirements
Product: Interest accrues as simple daily interest and is fixed for the term. Interest cannot remain on the account and payout is mandatory for non-compounding STCs (transferred monthly to an SECU deposit account of choice, or paid at maturity for 6- and 12-month terms). Penalty for early cancellation/withdrawal prior to maturity/renewal is the lesser of 90 days of interest on principal or all interest earned. One partial deposit or withdrawal permitted at no penalty during the 7-day grace period.
Offer: For 12-month STCs, interest earned may be paid to the STC at maturity or transferred monthly to another SECU account.
4.00% interest rate · Effective Oct 1, 2026
Rate checked
More details - American Airlines Federal Credit UnionRegular Share CertificateCD · 12 months · $1,000 min
Credit union · 2 branches
4.00%APY$400 over 1 year on $10,0003.93% interest rate · Effective Oct 1, 2025
Rate checked
More details - 4.00%APYwith conditions
Requirements
Product: Civic membership required. Fixed-rate account; dividends are compounded monthly and may be paid monthly or rolled back into certificate account at maturity. Early withdrawal penalty applies (6-11 months = forfeiture of 90 days' dividends; 12-60 months = forfeiture of 180 days' dividends).
Qualified rate · 3.92% interest rate · Compounded monthly · Effective Sep 2, 2026
Rate checked
More details - 4.00%APY$400 over 1 year on $10,000intro rate
Requirements
Product: $500 minimum to open. Interest rate is fixed for term of CD. Interest is compounded daily. Penalty for early withdrawal. Terms include 6, 12, 18, 24, 36, 48 and 60 months.
Offer: To earn the advertised APY, a minimum balance of $500.00 is required. For a limited time. Substantial penalty for early withdrawal. Offer may be withdrawn at any time without notice.
Promotional rate · Compounded daily · Effective Sep 18, 2025
Rate checked
More details - 3.98%APY$398 over 1 year on $10,000
Requirements
Product: $500 minimum deposit. Terms 3 to 60 months. Shares rates with standard term certificates.
3.90% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.98%APY$398 over 1 year on $10,000
Requirements
Product: Fixed rate share account. Early withdrawal penalties: 90 days of interest on terms of 12 months or less; 180 days of interest on terms greater than 12 months.
3.90% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.98%APY$398 over 1 year on $10,000
Requirements
Product: $500 minimum deposit. Terms 3 to 60 months. Shares rates with standard term certificates.
3.90% interest rate · Effective Oct 1, 2026
Rate checked
More details - Carolinas Telco Federal Credit UnionShare Certificate AccountsCD · 12 months · $500 min
Credit union · 5 branches
3.92%APY$392 over 1 year on $10,000Requirements
Product: Must deposit or maintain minimum required share(s) in a Prime Share Savings account ($5.00 par value). Dividends compounded and credited monthly. Dividends calculated using the average daily balance method. Penalty applies for early withdrawal. Account automatically renews at maturity unless specified otherwise.
3.85% interest rate · Effective Oct 13, 2026
Rate checked
More details - American Airlines Federal Credit UnionShare Certificate LadderCD · 12 months · $1,000 min
Credit union · 2 branches
3.92%APY$392 over 1 year on $10,000Requirements
Product: All share certificate ladders must be established with equal amounts across certificates. Additional deposits allowed only at maturity of each term.
Offer: Option 2 (3-rung ladder: 12, 24, 36 months) or Option 3 (5-rung ladder: 12, 24, 36, 48, 60 months). All certificates established with equal amounts.
3.85% interest rate · Effective Oct 1, 2024
Rate checked
More details - Carolina Federal Credit UnionCertificate of DepositCD · 12 months · $1,000 min · 3.75%–4.00% by balance
Credit union · 1 branch
3.75%APY$375 over 1 year on $10,000Requirements
Product: Dividends calculated daily, compounded and credited monthly. Automatically renews at maturity at current interest rate unless notified. Early withdrawal penalties apply.
3.69% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $1,000 and upYour amount 3.75% $50,000 and up 4.00% Rate checked
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 1-year CDs pay in Charlotte, NC-SC metro
50 CDs at 34 banks and credit unions · checked Oct 6–22
- Typical
- 3.03%
- Top 10% from
- 4.00%
- Banks, typical
- 0.75%
- Credit unions, typical
- 3.50%
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Charlotte, NC-SC metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Skyla Credit UnionCredit union · 13 branches
- Allegacy FinancialCredit union · 5 branches
- American Airlines Federal Credit UnionCredit union · 2 branches