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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 Charlotte, NC-SC metro

  1. Top Carrot, Carrot Score 95
    Allegacy FinancialCertificatesCD · 5 months · $500 min

    Credit union · 5 branches

    5.00%APY$205 over 5 months on $10,000
  2. Truliant Federal Credit UnionRegular CertificatesCD · 12 months · $250 min · 2.99%–5.00% by balance

    Credit union · 10 branches

    5.00%APY$500 over 1 year on $10,000
  3. Piedmont Advantage Credit Union12-Month Special Limited Term CertificateCD · 12 months · $5,000 min

    Credit union · 2 branches

    5.00%APY$500 over 1 year on $10,000intro rate
  4. Advancial Federal Credit UnionSavings CertificatesCD · 60 months · $1,000 min · 4.66%–4.87% by balance

    Credit union · 1 branch

    4.66%APY$2,558 over 60 months on $10,000
  5. Top Carrot, Carrot Score 99
    Skyla Credit UnionRegular Certificate AccountCD · 21 months · $500 min

    Credit union · 13 branches

    4.50%APY$801 over 21 months on $10,000
  6. Top Carrot, Carrot Score 89
    Ukrainian Federal Credit UnionShare CertificatesCD · 36 months · $500 min

    Credit union · 1 branch

    4.50%APY$1,412 over 36 months on $10,000
  7. Top Carrot, Carrot Score 91
    Carolinas Telco Federal Credit UnionShare Certificate AccountsCD · 15 months · $500 min

    Credit union · 5 branches

    4.30%APY$540 over 15 months on $10,000
  8. Civic Federal Credit UnionChoice CertificateCD · 17 months · $250 min

    Credit union · 1 branch

    4.30%APY$615 over 17 months on $10,000with conditions
  9. Top Carrot, Carrot Score 94
    State Employees' Credit UnionShare Term Certificate (STC) AccountCD · 18 months · $250 min

    Credit union · 35 branches

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

    Bank · 23 branches

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

    Bank · 63 branches

    4.25%APY$389 over 11 months on $10,000with conditions
  12. PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance

    Bank · 13 branches

    4.25%APY$461 over 13 months on $10,000intro rate
  13. Top Carrot, Carrot Score 89
    Self-Help Credit UnionGreen Term CertificateCD · 36 months · $500 min

    Credit union · 3 branches

    4.18%APY$1,307 over 36 months on $10,000
  14. Top Carrot, Carrot Score 89
    Self-Help Credit UnionGo Local Term CertificateCD · 36 months · $500 min

    Credit union · 3 branches

    4.18%APY$1,307 over 36 months on $10,000
  15. Top Carrot, Carrot Score 89
    Self-Help Credit UnionTerm CertificatesCD · 36 months · $500 min

    Credit union · 3 branches

    4.18%APY$1,307 over 36 months 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 Charlotte, NC-SC metro

431 CDs at 38 banks and credit unions · checked Oct 6–22

Typical
2.45%
Top 10% from
4.07%
Banks, typical
0.50%
Credit unions, typical
3.50%

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Charlotte, NC-SC metro

Top Carrot institutions

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

  1. Skyla Credit UnionCredit union · 13 branches
  2. Allegacy FinancialCredit union · 5 branches
  3. American Airlines Federal Credit UnionCredit union · 2 branches
See all ranked institutions

CD rates by state

Best CD Rates of October 2026 | Carrot Rate