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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 1–15 results in Waynesville, NC metro

  1. Top Carrot, Carrot Score 94
    State Employees' Credit UnionShare Term Certificate (STC) AccountCD · 18 months · $250 min

    Credit union · 1 branch

    4.30%APY$652 over 18 months on $10,000
  2. Woodforest National BankCertificates of DepositCD · 9 months · $500 min

    Bank · 1 branch

    4.25%APY$317 over 9 months on $10,000
  3. Wells FargoTime Account SpecialsCD · 11 months · $5,000 min

    Bank · 1 branch

    4.25%APY$389 over 11 months on $10,000with conditions
  4. First Citizens BankOnline Promotional CDCD · 5 months · $5,000 min

    Bank · 3 branches

    4.00%APY$165 over 5 months on $10,000intro rate
  5. Top Carrot, Carrot Score 89
    Telco Community Credit UnionCertificate of DepositCD · 18 months · $500 min

    Credit union · 1 branch

    3.85%APY$583 over 18 months on $10,000
  6. United Community BankCertificates of DepositCD · 8 months · $2,500 min

    Bank · 1 branch

    3.80%APY$252 over 8 months on $10,000with conditions
  7. Top Carrot, Carrot Score 89
    Telco Community Credit UnionSave to Win CDCD · 12 months · $25 min

    Credit union · 1 branch

    3.75%APY$375 over 1 year on $10,000
  8. Top Carrot, Carrot Score 89
    Mountain Credit Union6 Month CertificateCD · 6 months · $2,500 min

    Credit union · 1 branch

    3.64%APY$180 over 6 months on $10,000
  9. Top Carrot, Carrot Score 89
    Mountain Credit Union24 Month CertificateCD · 24 months · $2,500 min

    Credit union · 1 branch

    3.64%APY$741 over 24 months on $10,000
  10. Top Carrot, Carrot Score 89
    Mountain Credit Union18 Month CertificateCD · 18 months · $2,500 min

    Credit union · 1 branch

    3.54%APY$536 over 18 months on $10,000
  11. Top Carrot, Carrot Score 89
    Mountain Credit Union36 Month CertificateCD · 36 months · $2,500 min

    Credit union · 1 branch

    3.54%APY$1,100 over 36 months on $10,000
  12. Champion Credit UnionShare CertificatesCD · 6 months · $1,000 min

    Credit union · 2 branches

    3.50%APY$173 over 6 months on $10,000
  13. Top Carrot, Carrot Score 89
    Mountain Credit Union48 Month CertificateCD · 48 months · $2,500 min

    Credit union · 1 branch

    3.49%APY$1,471 over 48 months on $10,000
  14. Top Carrot, Carrot Score 89
    Mountain Credit Union60 Month CertificateCD · 60 months · $2,500 min

    Credit union · 1 branch

    3.40%APY$1,820 over 60 months on $10,000
  15. Top Carrot, Carrot Score 89
    Mountain Credit Union12 Month CertificateCD · 12 months · $2,500 min

    Credit union · 1 branch

    3.35%APY$335 over 1 year 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 Waynesville, NC metro

78 CDs at 9 banks and credit unions · checked Oct 6–22

Typical
2.75%
Top 10% from
4.00%
Banks, typical
1.63%
Credit unions, typical
3.59%

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Waynesville, NC metro

Top Carrot institutions

Ranked across their CDs, savings, auto loans and credit cards. How scores work

  1. State Employees' Credit UnionCredit union · 1 branch
  2. Telco Community Credit UnionCredit union · 1 branch
  3. Mountain Credit UnionCredit union · 1 branch
See all ranked institutions

CD rates by state

Best CD Rates of October 2026 | Carrot Rate