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 1–9 results in Shelby, NC metro
- Truliant Federal Credit UnionRegular CertificatesCD · 12 months · $250 min · 2.99%–5.00% by balance
Credit union · 1 branch
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 - 4.50%APY$801 over 21 months on $10,000
4.41% interest rate · Effective Oct 1, 2026
Rate checked
More details - State Employees' Credit UnionShare Term Certificate (STC) AccountCD · 18 months · $250 min
Credit union · 3 branches
4.30%APY$652 over 18 months 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: Interest payout is mandatory and must transfer monthly to another SECU deposit account.
4.30% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.25%APY$317 over 9 months on $10,000
Requirements
Product: A $500 minimum deposit is required. Daily balance method is used to calculate the interest. APY was calculated based on monthly compounding and assumes that all interest earned will remain on deposit until maturity. Penalties may be imposed for early CD withdrawal.
Offer: Special Promotional APY is subject to change without notice. This offer is valid for consumers only and applies to new certificates of deposit opened with qualifying funds for Woodforest checking account holders. Qualifying funds are new funds deposited into a certificate of deposit that are not from money currently or previously held in any account at Woodforest National Bank. This is a limited time offer and may be withdrawn at any time without notice.
Effective Oct 2, 2026
Rate checked
More details - 4.25%APY$389 over 11 months on $10,000with conditions
Requirements
Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.
Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.
Qualified rate · 4.16% interest rate · Effective Oct 3, 2026
Rate checked
More details - PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 1 branch
4.25%APY$461 over 13 months on $10,000intro rateRequirements
Product: A minimum opening deposit of $1,000 is required for all CD accounts. Penalty for early withdrawal. Fees may reduce earnings. At the end of Promotional CD term, account automatically converts to the Standard consumer CD term that is closest to but not greater than Promotional CD term, at the applicable Standard rate. No withdrawals without penalty within first seven days. No partial withdrawals permitted. The $1.00 - $999.99 tier is for Renewal Only.
Offer: Renewal Only. Promotional rate.
Promotional rate · 0.01% interest rate · Effective Oct 21, 2026
Rate by balance
Rate by balance for Fixed Rate Certificate of Deposit (CD) Balance APY Up to $1,000 0.01% $1,000 and upYour amount 4.25% Rate checked
More details - 3.40%APY$340 over 1 year on $10,000
Requirements
Product: Minimum deposit of $500 required. Par value of a regular share is $5. Compounded daily, credited monthly. Automatically renews at maturity after a 5 calendar day grace period. Early withdrawal penalties apply.
Offer: Penalty of 90 days dividends for early withdrawal on terms of one year or less. Minimum deposit of $500 required.
3.33% interest rate · Compounded daily · Effective Aug 1, 2026
Rate checked
More details - Truliant Federal Credit UnionFlex CertificatesCD · 24 months · $250 min · 2.92%–3.08% by balance
Credit union · 1 branch
2.98%APY$605 over 24 months on $10,000Requirements
Offer: You may increase your dividend rate to the rate in effect at the time of your request one time prior to maturity, not to exceed 1% above the original rate.
2.89% interest rate · Effective Oct 4, 2026
Rate by balance
Rate by balance for Flex Certificates Balance APY $250 and up 2.92% $5,000 and upYour amount 2.98% $25,000 and up 3.03% $100,000 and up 3.08% Rate checked
More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 1 branch
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
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 Shelby, NC metro
88 CDs at 7 banks and credit unions · checked Oct 6–22
- Typical
- 2.85%
- Top 10% from
- 4.22%
- Banks, typical
- 1.33%
- Credit unions, typical
- 3.93%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Shelby, NC metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Skyla Credit UnionCredit union · 1 branch
- State Employees' Credit UnionCredit union · 3 branches