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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.

Term
Location

Top CD rates

Showing 46–60 results in Charlotte, NC-SC metro

  1. Truliant Federal Credit UnionFlex CertificatesCD · 24 months · $250 min · 2.92%–3.08% by balance

    Credit union · 10 branches

    2.98%APY$605 over 24 months on $10,000
  2. Top Carrot, Carrot Score 95
    Allegacy FinancialMortgage Savers CertificateCD · 60 months · $50 min

    Credit union · 5 branches

    2.95%APY$1,565 over 60 months on $10,000
  3. First Citizens BankSpecial-Feature CDCD · 3–5 months · $500 min

    Bank · 34 branches

    2.50%APYintro rate
  4. United Federal Credit UnionBump Up CertificateCD · 36 months · $500 min

    Credit union · 1 branch

    2.10%APY$643 over 36 months on $10,000
  5. United BankStandard Rate CDsCD · 12 months · $500 min

    Bank · 7 branches

    2.00%APY$200 over 1 year on $10,000
  6. Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance

    Bank · 63 branches

    1.76%APYwith conditions
  7. United Federal Credit UnionLiquid CertificateCD · 12 months · $2,500 min

    Credit union · 1 branch

    1.70%APY$170 over 1 year on $10,000with conditions
  8. Top Carrot, Carrot Score 89
    Lion's Share Federal Credit UnionRegular Share CertificatesCD · 6 months · $500 min

    Credit union · 1 branch

    1.56%APY$78 over 6 months on $10,000
  9. First National BankCertificates of Deposit (CDs)CD · 60 months · $500 min

    Bank · 17 branches

    1.50%APY$773 over 60 months on $10,000
  10. Top Carrot, Carrot Score 89
    Lion's Share Federal Credit UnionAdd-On Cert.CD · 12 months · $500 min

    Credit union · 1 branch

    1.26%APY$126 over 1 year on $10,000
  11. Top Carrot, Carrot Score 89
    Lion's Share Federal Credit UnionBump-Up Cert.CD · 24 months · $500 min

    Credit union · 1 branch

    1.10%APY$221 over 24 months on $10,000intro rate
  12. Top Carrot, Carrot Score 89
    Lion's Share Federal Credit UnionMini Jumbo Cert.CD · 60 months · $10,000 min

    Credit union · 1 branch

    0.95%APY$484 over 60 months on $10,000
  13. U.S. BankTrade Up CDCD · 60 months · $1,000 min

    Bank · 7 branches

    0.40%APY$202 over 60 months on $10,000
  14. U.S. BankStep Up CDCD · 28 months · $1,000 min · 4 steps

    Bank · 7 branches

    0.35%APY$82 over 28 months on $10,000blended over a stepped scheduleintro rate
  15. U.S. BankU.S. Bank Certificates of DepositCD · 60 months · $500 min

    Bank · 7 branches

    0.25%APY$126 over 60 months on $10,000

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 Charlotte, NC-SC metro

431 CDs at 38 banks and credit unions · checked Oct 6–22

Typical
2.45%
Top 10% from
4.07%
Banks, typical
0.50%
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

  1. Skyla Credit UnionCredit union · 13 branches
  2. Allegacy FinancialCredit union · 5 branches
  3. American Airlines Federal Credit UnionCredit union · 2 branches
See all ranked institutions

CD rates by state

Best CD Rates of October 2026 | Carrot Rate