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 31–45 results in Raleigh, NC metro
- 3.75%APY$217 over 7 months on $10,000
Requirements
Product: At maturity, automatically renews into a 3 Month Flexible CD at a lower interest rate unless changed during 7-day grace period. Online opening limit is $250,000.
3.69% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Featured CD Balance APY Up to $9,999 3.75% $10,000 – $99,999Your amount 3.75% $100,000 – $999,999 4.11% $1,000,000 and up 4.11% Rate checked
More details - 3.75%APY$375 over 1 year on $10,000with conditions
Requirements
Product: Offered only to customers that are an owner of an active Benchmark Community Bank (BCB) checking account that has had one or more deposits of at least $100 AND six or more debits in the last 30 days. New customers who open a primary checking relationship are also eligible. $500 minimum opening deposit. Certificate of deposit is not available as an Individual Retirement Account (IRA). Penalty may be imposed for withdrawals made before maturity. Interest is compounded quarterly. At maturity, automatically renews for the 12-month term at the then current non-promotional rate.
Offer: Offered only to customers that are an owner of an active Benchmark Community Bank (BCB) checking account that has had one or more deposits of at least $100 AND six or more debits in the last 30 days. New customers who open a primary checking relationship are also eligible. Not available as an IRA. Interest compounded quarterly. Penalty may be imposed for early withdrawal. Automatically renews for 12-month term at then current non-promotional rate.
Qualified rate · 3.70% interest rate · Compounded quarterly
Rate checked
More details - Latino Community Credit UnionShare Term Certificates RegularCD · 60 months · $500 min
Credit union · 2 branches
3.75%APY$2,021 over 60 months on $10,000Requirements
Product: Must be a Latino Community Credit Union member. Interest accrues daily, but is not compounded. Dividends paid out to a separate LCCU account.
3.75% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.72%APY$372 over 1 year on $10,000
Requirements
Product: Interest is compounded daily and posted monthly. Automatically renewed at prevailing rate at maturity unless instructed otherwise. Accrued dividends are forfeited if account is closed prior to monthly dividend posting. Penalties may apply for early withdrawal.
3.65% interest rate · Compounded daily · Effective Oct 1, 2026
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 - 3.45%APY$1,848 over 60 months on $10,000
Requirements
Product: Rates remain constant for the entire certificate term. Dividends calculated daily and compounded/credited quarterly. Early withdrawal penalty applies.
Offer: Rates set monthly. Penalty for early withdrawal.
3.41% interest rate
Rate checked
More details - 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% Rate checked
More details - USPS Federal Credit UnionMonthly Income Share Certificate Account (MISCA)CD · 24 months · $10,000 min
Credit union · 1 branch
3.30%APY$671 over 24 months on $10,000Requirements
Product: Transfers monthly dividend payments to USPS FCU Share Savings or Checking Account as income supplement. Penalty imposed for early withdrawal.
Offer: 2 Year Term. Rates set monthly.
3.25% interest rate · Balance cap $500,000
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 - 3.15%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 - Benchmark Community BankRegular Time Deposits / Certificates of DepositCD · 24 months · $500 min
Bank · 3 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 - American Airlines Federal Credit UnionDream Plan Share CertificateCD · 60 months · $25 min
Credit union · 1 branch
3.04%APY$1,615 over 60 months on $10,000Requirements
Product: Maximum balance of $50,000. Requires a minimum $25.00 monthly recurring automatic deposit to remain open. Maximum of one Dream Plan Share Certificate per account. No penalty for early withdrawal if funds are used as a down payment on a home financed with the Credit Union.
Offer: Minimum $25.00 monthly recurring automatic deposit required; maximum balance $50,000.
3.00% interest rate · Balance cap $50,000 · Effective Oct 1, 2024
Rate checked
More details - 3.00%APY$74 over 3 months on $10,000
Requirements
Product: $1,000 minimum opening deposit. After account opening, there is no minimum balance requirement to obtain the disclosed APY. Early withdrawal penalties and fees may reduce earnings. Rates may vary by location.
2.96% interest rate · Effective Oct 16, 2026
Rate checked
More details - 2.75%APY$415 over 18 months on $10,000
Requirements
Product: Open with $1,000 minimum deposit. Automatically renewable. Early withdrawal penalties may apply. Fees may reduce earnings.
2.71% interest rate · Effective Sep 15, 2026
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
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%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
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