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 16–30 results in Raleigh, NC metro
- 4.10%APY$169 over 5 months on $10,000intro rate
Requirements
Product: Rate based on ZIP code 43215. Minimum opening deposit is $1,000. For accounts less than $100,000. Early withdrawal penalty applies. Not valid with other offers, no rate exceptions. Not available for brokers, agents, public entities, or financial institutions.
Offer: Promotional rate. Account balance less than $100,000. Early withdrawal penalty applies.
Promotional rate · 4.02% interest rate · Effective Oct 16, 2026
Rate checked
More details - 4.10%APY$445 over 13 months on $10,000
Requirements
Product: $1,000 minimum opening deposit. Terms from 7 days to 5 years. Tiered interest rate, depending on balance, to obtain APY. 6 month, 12 month, 18 month CDs allow unlimited deposits of $100 or more before maturity (excluding special rate CDs). Early withdrawal penalty applies if closed prior to maturity.
Offer: 13 Month Special. Open Online.
4.02% interest rate · Effective Sep 22, 2026
Rate checked
More details - Navy Federal Credit UnionStandard CertificateCD · 18 months · $1,000 min · 4.10%–4.15% by balance
Credit union · 3 branches
4.10%APY$621 over 18 months on $10,000Effective Oct 22, 2026
Rate by balance
Rate by balance for Standard Certificate Balance APY $1,000 and upYour amount 4.10% $20,000 and up 4.10% $100,000 and up 4.15% Rate checked
More details - 4.10%APY$1,281 over 36 months on $10,000intro rate
Requirements
Product: Fixed interest rate. Available for a limited time. Dividends compounded and credited quarterly. Penalty may be imposed for early withdrawal. Certificates are not subject to auto-renewal, except the 6-month and 12-month certificate, which will auto-renew. No monthly service charges.
Offer: Not subject to auto-renewal. Compounded and credited quarterly. Early withdrawal penalty may apply.
Promotional rate · 4.10% interest rate · Effective Oct 14, 2026
Rate checked
More details - 4.07%APY$407 over 1 year on $10,000
Requirements
Product: Minimum deposit to open account is $500 for rate tier 1 and $10,000 for rate tier 2. Membership requires purchasing and maintaining at least 1 share ($25.00 par value) in Primary Savings. Early withdrawal penalties apply.
Offer: Term: 12 Months. Opening deposit of $10,000.00 and above. Dividends compounded and credited monthly. Automatic renewal. Early withdrawal penalties apply.
4.00% interest rate
Rate checked
More details - American Airlines Federal Credit UnionShare Certificate LadderCD · 60 months · $1,000 min
Credit union · 1 branch
4.07%APY$2,208 over 60 months 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 1 (2-rung ladder: 30 and 60 months). All certificates in ladder established with equal amounts.
4.00% interest rate · Effective Oct 1, 2024
Rate checked
More details - American Airlines Federal Credit UnionShort-Term Share CertificateCD · 6 months · $1,000 min
Credit union · 1 branch
4.05%APY$200 over 6 months on $10,0003.98% interest rate · Effective Jan 1, 2026
Rate checked
More details - 4.05%APY$371 over 11 months on $10,000
Requirements
Product: Available for accounts opened online only. Minimum balance to open and obtain APY is $500; maximum amount is $10,000,000. Interest is compounded and credited quarterly. Penalty may be imposed for early withdrawal. At maturity, automatically rolls into a Standard CD at the standard rate closest to the initial term unless otherwise directed.
Offer: Opened online only. Interest credited quarterly. Early withdrawal penalty may apply.
3.99% interest rate · Balance cap $10,000,000
Rate checked
More details - 4.00%APY$165 over 5 months on $10,000intro rate
Requirements
Product: Minimum opening deposit $5,000, maximum $250,000. Must be funded via ACH transfer from an external bank account. Funds must be new money, not on deposit with First Citizens within the past 90 days. Must be opened by an individual residing in a state where a First Citizens branch exists. Not available as an IRA.
Offer: Earn up to 4.00% APY on a 5-month CD.
Promotional rate
Rate checked
More details - 4.00%APY$299 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 · 3.94% interest rate · Effective Oct 22, 2026
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 - American Airlines Federal Credit UnionRegular Share CertificateCD · 12 months · $1,000 min
Credit union · 1 branch
4.00%APY$400 over 1 year on $10,0003.93% interest rate · Effective Oct 1, 2025
Rate checked
More details - 4.00%APY$434 over 13 months on $10,000with conditions
Requirements
Product: Must have an existing First National Bank consumer or business checking account or open a new First National Bank consumer or business checking account. Not available for rollovers or transfers from other First National Bank deposit accounts or public funds. New money may be required. Penalty for early withdrawal.
Offer: Accurate as of 9/24/2026. Minimum balance to earn APY is $5,000.00. Early withdrawal penalty will be imposed.
Qualified rate · Effective Sep 24, 2026
Rate checked
More details - ElecTel Cooperative Federal Credit UnionShare CertificateCD · 18 months · $500 min
Credit union · 2 branches
3.90%APY$591 over 18 months on $10,000Requirements
Product: Dividends compounded and posted monthly. Early withdrawal subject to penalty. 10-day grace period at maturity.
Offer: 18 Month term. Dividends compounded and posted monthly. Early withdrawal subject to penalty.
3.83% interest rate · Effective Jun 29, 2026
Rate checked
More details - 3.80%APY$252 over 8 months on $10,000with conditions
Requirements
Product: Interest earned is compounded daily and credited monthly. Subject to early withdrawal penalty. Automatically renews on maturity date.
Offer: Early withdrawal penalty: terms 12 months or less subject to an amount equal to 91 days of interest earned or that could have been earned. 10-day grace period after maturity to withdraw funds without penalty. Maximum Relationship Rate shown.
Qualified rate · Compounded daily · Effective Sep 24, 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 Raleigh, NC metro
422 CDs at 34 banks and credit unions · checked Oct 15–22
- Typical
- 2.38%
- Top 10% from
- 4.10%
- Banks, typical
- 1.10%
- Credit unions, typical
- 3.85%
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Raleigh, NC metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Langley Credit UnionCredit union · 1 branch
- ElecTel Cooperative Federal Credit UnionCredit union · 2 branches
- Coastal Credit UnionCredit union · 15 branches