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 16–23 results in Cary, NC
- 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 - 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 - 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 - 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 - 1.50%APY$773 over 60 months on $10,000
Requirements
Product: Early withdrawal penalty will be imposed, if applicable. Fixed rate with interest compounded and paid quarterly.
Offer: Accurate as of 9/24/2026. Minimum balance to earn APY is $500.00. Early withdrawal penalty will be imposed.
Effective Sep 24, 2026
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 - 0.05%APY$2 over 6 months on $10,000with conditions
Requirements
Product: CD ladders are a group of four CDs opened at the same time for the same amount with different terms, with a minimum of $1,000 in each CD. A linked Chase Private Client Checking account is required.
Offer: 12-month CD ladder relationship rate. Requires linked Chase Private Client Checking account.
Qualified rate · 0.02% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD Ladder Balance APY Up to $9,999 0.02% $10,000 – $99,999Your amount 0.05% $100,000 and up 0.05% 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 Cary, NC
212 CDs at 14 banks and credit unions · checked Oct 4–22
- Typical
- 1.75%
- Top 10% from
- 4.00%
- Banks, typical
- 0.33%
- Credit unions, typical
- 3.95%
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