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 16–27 results in Hickory, NC metro
- 3.75%APY$375 over 1 year on $10,000
Requirements
Product: Every $25 deposit enters member into monthly and quarterly prize drawings. Early withdrawal penalty applies for terms of 1 year or greater (180 days dividends).
3.75% interest rate · Effective Oct 4, 2026
Rate checked
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
Rate checked
More details - 3.50%APY$261 over 9 months on $10,000intro rate
Requirements
Product: Quarterly compounding. Penalties may apply for early withdrawal. After the account is opened, no additional deposits may be made until maturity. Automatically renews at maturity with a 10-day grace period.
Offer: Special certificate. Quarterly compounding. Early withdrawal penalty up to 90 days dividends. Automatically renews into a non-special standard certificate.
Promotional rate · 3.46% interest rate · Effective Oct 22, 2026
Rate checked
More details - 3.29%APY$669 over 24 months on $10,000
Requirements
Product: Certificate rates subject to change without notice; penalty applied for early withdrawal of funds; additional deposits not allowed; renewable automatically. NCUA insured up to $250,000.
Offer: Compounded quarterly, credited quarterly (calendar). Daily balance method. Automatically renewable.
3.25% interest rate · Compounded quarterly · Effective Oct 1, 2026
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 - 3.20%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 - 2.50%APYintro rate
Requirements
Product: Minimum opening deposit $500. Available at branch locations.
Offer: Term: 3 to 5 months.
Promotional rate
Rate checked
More details - 2.00%APY$200 over 1 year on $10,000
Requirements
Product: Open at nearest United Bank branch. Minimum opening deposit is $500.
Offer: Open at nearest United Bank branch.
Rate checked
More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 6 branches
1.76%APYwith conditionsRequirements
Product: Fixed rate CD. Standard opening minimum deposit is $2,500. Early withdrawal penalties apply.
Offer: Relationship rate; requires eligible linked checking account.
Qualified rate · 1.74% interest rate · Effective Oct 3, 2026
Rate by balance
Rate by balance for Consumer Fixed Rate Time Account Balance APY Up to $100,000Your amount 1.76% $100,000 and up 2.27% Rate checked
More details - 0.10%APY$5 over 6 months on $10,000
Requirements
Product: Penalty for early withdrawal. Interest compounded annually on CDs over one year. Automatic renewal.
Offer: Penalty for early withdrawal.
Compounded annually · Effective Apr 1, 2024
Rate checked
More details - 0.03%APY
Requirements
Product: Fixed rate account. Applicable rate paid until CD matures. Online opening limit is $250,000. Early withdrawal penalty applies.
Offer: Term: 6-11 Months. Balance tier: Less than $10,000.
0.03% interest rate · Effective Oct 5, 2026
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 CDs pay in Hickory, NC metro
190 CDs at 17 banks and credit unions · checked Oct 6–22
- Typical
- 2.88%
- Top 10% from
- 4.08%
- Banks, typical
- 1.33%
- Credit unions, typical
- 3.73%
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Hickory, NC metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Nova Credit UnionCredit union · 1 branch
- State Employees' Credit UnionCredit union · 9 branches
- CS Credit UnionCredit union · 2 branches