Barnesville, North Carolina Best CD Rates September 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Barnesville, North Carolina CD rates include Fort Financial Federal Credit UnionFort Financial Federal Credit UnionA+5.0 ★Texas Ratio: 1.64%Real return: +1.70%APY minus CPI (February 2026) offering Traditional 12-Month IRA Certificate at 4.50% APY, ADVANCIALADVANCIALA5.0 ★Texas Ratio: 10.42%Real return: +1.69%APY minus CPI (February 2026) offering 5 Year Certificates at 4.49% APY, Founders Federal Credit UnionFounders Federal Credit UnionA+5.0 ★Texas Ratio: 3.68%Real return: +1.47%APY minus CPI (February 2026) offering 60 Month Certificate at 4.27% APY, Crescent BankCrescent BankA+5.0 ★Texas Ratio: 3.24%Real return: +1.45%APY minus CPI (February 2026) offering 24-month CD at 4.25% APY, and Skyla Federal Credit UnionSkyla Federal Credit UnionA5.0 ★Texas Ratio: 6.87%Real return: +1.45%APY minus CPI (February 2026) offering Elite Jumbo CD 48-month at 4.25% APY. CD rates as of September 15, 2026 according to verified data from MonitorBankRates.
Barnesville is a smaller community with no bank or credit union branches currently in our database. 713 institutions serving the North Carolina area are available to Barnesville residents, with CD rates as high as 4.50% APY from Fort Financial Federal Credit Union. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: September 15, 2026
Compare Best CD Rates in Barnesville, North Carolina & the Surrounding Area
Barnesville 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
3 Month Certificate
$5,000
3.75%
▲ 1.71% above national avg
▼
Rate3.69%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.71% above avg
Details
Penalty for early withdrawal. Rate is accurate as today's dividend declaration.
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
3 Month Certificate
$0
3.50%
▲ 1.46% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 1.46% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
3 Month Term
$100,000
2.50%
▲ 0.46% above national avg
▼
Rate2.47%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.04%▲ 0.46% above avg
Details
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
3 Month Certificate
$500
2.50%
▲ 0.46% above national avg
▼
Rate2.47%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.46% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
3 Month Term
$25,000
2.45%
▲ 0.41% above national avg
▼
Rate2.42%
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.04%▲ 0.41% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
3 Month Term
$5,000
2.40%
▲ 0.36% above national avg
▼
Rate2.37%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.04%▲ 0.36% above avg
Details
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
3 Month IRA Certificate
$500
2.40%
▲ 0.36% above national avg
▼
Rate2.37%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.36% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
3 Month Term
$250
2.34%
▲ 0.30% above national avg
▼
Rate2.32%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.04%▲ 0.30% above avg
Details
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
3 Month Certificates
$0
2.34%
▲ 0.30% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.30% above avg
Details
3 Mo Certificate - $10k: 181% is the difference between the percent earned in interest between Advancial Federal Credit Union's rate at 2.34% APY compared to 0.83% APY for the Charlotte Metro market average over the life of a 3 month share certificate at $10,000.
Revity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
Jumbo & Jumbo IRA Certificates 3 Month
$50,000
2.33%
▲ 0.29% above national avg
▼
Rate2.30%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.29% above avg
Details
Revity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
Mini Jumbo & Mini Jumbo IRA Certificate 3 Month
$10,000
2.33%
▲ 0.29% above national avg
▼
Rate2.30%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.29% above avg
Details
Revity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
Regular & IRA Certificates 3 Month
$500
2.33%
▲ 0.29% above national avg
▼
Rate2.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.29% above avg
Details
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
3 Month Certificate
$500
2.30%
▲ 0.26% above national avg
▼
Rate2.27%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.26% above avg
Details
Rates are variable and subject to change. Rate is effective as of 02.17.26. Certificate rates subject to change without notice, penalty applied for early withdrawal of funds, fees may affect earnings. Some transfer/withdrawal limitations and restrictions may apply. Fees may reduce the earnings.
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
3 Month Share Certificates
$0
2.15%
▲ 0.11% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.11% above avg
Details
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
IRA Certificates - 3 Months
$0
2.15%
▲ 0.11% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.11% above avg
Details
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
Young Certificates 3 Months
$0
2.15%
▲ 0.11% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▲ 0.11% above avg
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
90 Day Certificate
$0
2.02%
▼ 0.02% below national avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.04%▼ 0.02% below avg
Details
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
3 Month CD
$500
2.00%
▼ 0.04% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 0.04% below avg
Details
Penalties may be assessed for early CD & IRA withdrawals.
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
90 Day Standard Personal Share Certificates
$0
1.92%
▼ 0.12% below national avg
▼
Rate1.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.04%▼ 0.12% below avg
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
3 Month Certificate
$0
1.25%
▼ 0.79% below national avg
▼
Rate1.24%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.04%▼ 0.79% below avg
Details
APY with Bonus Rate: 1.35%. Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the "Tax Reported Owner") is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00.
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
3 Month Certificate
$0
1.00%
▼ 1.04% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.04% below avg
Details
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
TD Choice CD 3 Month
$250
1.00%
▼ 1.04% below national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.04% below avg
Details
Non-Promotional APY
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
3 Month Certificate
$100,000
0.90%
▼ 1.14% below national avg
▼
Rate0.90%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.14% below avg
Details
Benchmark Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
Premium - 3 Months
$0
0.85%
▼ 1.19% below national avg
▼
Rate0.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.04%▼ 1.19% below avg
Details
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
3 Month Certificate
$500
0.85%
▼ 1.19% below national avg
▼
Rate0.85%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.19% below avg
Details
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
Business 3 Month
$500
0.85%
▼ 1.19% below national avg
▼
Rate0.85%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.19% below avg
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
90-Day Certificate
$500
0.80%
▼ 1.24% below national avg
▼
Rate0.80%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.24% below avg
Details
Premier Member Rate
First Bank Strasburg, VA
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
3 Month Certificates of Deposit (CD)
$0
0.75%
▼ 1.29% below national avg
▼
Rate0.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.29% below avg
Details
Benchmark Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
Regular Time Deposits & IRAs - 3 Months
$0
0.60%
▼ 1.44% below national avg
▼
Rate0.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.04%▼ 1.44% below avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
3-month term
$0
0.60%
▼ 1.44% below national avg
▼
Rate0.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.44% below avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
Standard CDs - 3-month term
$0
0.60%
▼ 1.44% below national avg
▼
Rate0.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.44% below avg
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
90-Day Certificate
$500
0.55%
▼ 1.49% below national avg
▼
Rate0.55%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.49% below avg
Details
Non-premier member Rate
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
3 Month CD
$500
0.50%
▼ 1.54% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.04%▼ 1.54% below avg
Details
Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
3 Month CD
$500
0.50%
▼ 1.54% below national avg
▼
Rate0.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.04%▼ 1.54% below avg
Details
An interest penalty will be imposed for early withdrawal from all certificate accounts. FDIC deposit insurance is now $250,000 per depositor. The minimum opening balance and the minimum balance needed to obtain the annual percentage yield are the same.
Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Business Edge - 90 Day Certificate
$1,000
0.50%
▼ 1.54% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.54% below avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
3-month term Standard CDs Regular
$0
0.50%
▼ 1.54% below national avg
▼
Rate0.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.54% below avg
Details
Regular APY
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
3 month Standard Fixed Rate CD
$2,500
0.06%
▼ 1.98% below national avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.98% below avg
Details
Relationship APY 0.06%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
3 month Standard Interest Rate
$2,500
0.06%
▼ 1.98% below national avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.98% below avg
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
3 month Standard Fixed Rate CD
$2,500
0.05%
▼ 1.99% below national avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.99% below avg
Details
Relationship APY 0.06%
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.82%
Regular CD - 90 Days
$0
0.05%
▼ 1.99% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.04%▼ 1.99% below avg
Details
Barnesville 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
6 Month Special Certificate
$500
4.05%
▲ 1.30% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 1.30% above avg
Details
Pair a certificate special with an Ultra Checking account and earn up to 4.05% APY for 6 months. IRA eligible. Rates include a 0.10% APY increase when the owner of this account who will receive the tax statement (the "Tax Reported Owner") is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. If requirements are not met, rates are 3.95% for 6 months. 6 month certificate renews to 6 month standard certificate at maturity.
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
6 Month Certificate
$500
4.00%
▲ 1.25% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.25% above avg
Details
Penalty for early withdrawal. Rate is accurate as today's dividend declaration.
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
6 Month Certificate
$250
4.00%
▲ 1.25% above national avg
▼
Rate3.93%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.25% above avg
Details
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
IRA Certificate - 6 Month
$250
4.00%
▲ 1.25% above national avg
▼
Rate3.93%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.25% above avg
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
6 Month Certificate Special
$0
3.95%
▲ 1.20% above national avg
▼
Rate3.89%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 1.20% above avg
Details
APY with Bonus Rate: 4.05%. Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the "Tax Reported Owner") is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00.
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
6 Month Certificate Special - 6 months
$0
3.95%
▲ 1.20% above national avg
▼
Rate3.89%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 1.20% above avg
Details
Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the "Tax Reported Owner") is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. Highlighted rows are current specials.
Mcdowell Cornerstone Credit Union CU
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
6 Month Certificates
$1,000
3.91%
▲ 1.16% above national avg
▼
Rate3.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.16% above avg
Details
Local Government Federal Credit Union
Institution Rating:
F1.3 ★Texas Ratio: 55.39%
6 Month Business Jumbo Choice Certificate 6
$75,000
3.80%
▲ 1.05% above national avg
▼
Rate3.73%
Min Deposit$75,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.05% above avg
Details
Local Government Federal Credit Union
Institution Rating:
F1.3 ★Texas Ratio: 55.39%
6 Month Jumbo Choice Certificate 6
$75,000
3.80%
▲ 1.05% above national avg
▼
Rate3.73%
Min Deposit$75,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.05% above avg
Details
First Carolina Peoples Credit Union
Institution Rating:
F1.4 ★Texas Ratio: 58.52%
Share Certificates 6 Months
$5,000
3.80%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.05% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
Jumbo CD 6-month
$50,000
3.75%
▲ 1.00% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details
State Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
Share Term Certificate (STC) - 6 months
$250
3.75%
▲ 1.00% above national avg
▼
Rate3.75%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
6 Month Certificate
$0
3.75%
▲ 1.00% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details
Local Government Federal Credit Union
Institution Rating:
F1.3 ★Texas Ratio: 55.39%
6 Month IRA Choice Certificate 6
$250
3.70%
▲ 0.95% above national avg
▼
Rate3.63%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.95% above avg
Details
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
IRA Share Certificate (180 Day)
$500
3.70%
▲ 0.95% above national avg
▼
Rate3.64%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.95% above avg
Details
Flagstar Bank, National Association
Institution Rating:
D3.1 ★Texas Ratio: 37.37%
6-MONTH CD
$500
3.70%
▲ 0.95% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.95% above avg
Details
New Money Required; Offer subject to change or cancellation at any time without notice.
Roxboro Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
6 Month Certificates of Deposit (CDs)
$0
3.65%
▲ 0.90% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.90% above avg
Details
Roxboro Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
Certificates of Deposit (CDs) - 6 Months
$0
3.65%
▲ 0.90% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.90% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
IRA Traditional & Roth 6-month
$500
3.65%
▲ 0.90% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.90% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
Regular CD 6-month
$500
3.65%
▲ 0.90% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.90% above avg
Details
CAROLINA
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
6 Month CD
$1,000
3.60%
▲ 0.85% above national avg
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.85% above avg
Details
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
6 Month Certificate
$500
3.56%
▲ 0.81% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.81% above avg
Details
Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
6-mo. Share Certificate
$1,000
3.55%
▲ 0.80% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.80% above avg
Details
3
TCP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
Share Term Certificate - 6 Month
$250
3.54%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.79% above avg
Details
Fixed Rate
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.05%
6 Month Share Certificate
$500
3.50%
▲ 0.75% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.75%▲ 0.75% above avg
Details
Welcome Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
6 Month Certificate
$500
3.50%
▲ 0.75% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.75% above avg
Details
Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
6-mo. Share Certificate
$1,000
3.50%
▲ 0.75% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.75% above avg
Details
3
Arcade Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
6 Month Platinum CD
$5,000
3.50%
▲ 0.75% above national avg
▼
Rate—
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.75% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Executive - 6 Months
$100,000
3.45%
▲ 0.70% above national avg
▼
Rate3.39%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.70% above avg
Details
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
Term Certificates K Jumbo - 6 Months
$200,000
3.40%
▲ 0.65% above national avg
▼
Rate3.40%
Min Deposit$200,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.65% above avg
Details
$200
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
6 Month Certificate or IRA
$0
3.35%
▲ 0.60% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.60% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Premier - 6 Months
$10,000
3.35%
▲ 0.60% above national avg
▼
Rate3.29%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.60% above avg
Details
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
Term Certificates k Jumbo - 6 Months
$100,000
3.35%
▲ 0.60% above national avg
▼
Rate3.35%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.60% above avg
Details
$100
RTP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
6 Month Business Certificate Account
$250
3.30%
▲ 0.55% above national avg
▼
Rate3.25%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.55% above avg
Details
RTP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
6 Month Certificate
$250
3.30%
▲ 0.55% above national avg
▼
Rate3.25%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.55% above avg
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
IRA Certificate Accounts - 6 month
$500
3.30%
▲ 0.55% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.55% above avg
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
Share Certificate Accounts - 6 month
$500
3.30%
▲ 0.55% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.55% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Regular - 6 Months
$500
3.25%
▲ 0.50% above national avg
▼
Rate3.19%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.50% above avg
Details
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
6 Month Certificate
$500
3.25%
▲ 0.50% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.50% above avg
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
6 Months (182 Days) Certificate
$0
3.25%
▲ 0.50% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.50% above avg
Details
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
Certificate - 6 Months
$100,000
3.20%
▲ 0.45% above national avg
▼
Rate3.15%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.45% above avg
Details
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
Share Term Certificates Regular - 6 Months
$500
3.20%
▲ 0.45% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.45% above avg
Details
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
Certificate - 6 Months
$1,000
3.15%
▲ 0.40% above national avg
▼
Rate3.10%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.40% above avg
Details
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
6 Month Certificate
$500
3.10%
▲ 0.35% above national avg
▼
Rate3.05%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.35% above avg
Details
Early withdrawal penalties will substantially reduce stated APY by up to the equivalent of 180 days' dividends earned.
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
Certificate - 6 Months
$100,000
3.05%
▲ 0.30% above national avg
▼
Rate3.01%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.30% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6 Month Term
$100,000
3.00%
▲ 0.25% above national avg
▼
Rate2.96%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.75%▲ 0.25% above avg
Details
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
Certificate - 6 Months ($1,000)
$1,000
3.00%
▲ 0.25% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.25% above avg
Details
American Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
6 Month IRA and Share Certificates
$500
3.00%
▲ 0.25% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.25% above avg
Details
American Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
6 Month Share and IRA Certificates
$500
3.00%
▲ 0.25% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.25% above avg
Details
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.23%
6 Month Term Certificate
$500
3.00%
▲ 0.25% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.25% above avg
Details
Barnesville 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
Traditional 12-Month IRA Certificate
$500
4.50%
▲ 1.58% above national avg
▼
Rate4.41%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.58% above avg
Details
Non-premier member rate: 4.25% APY | 4.17% Dividend Rate; Traditional & Roth Certificates Rates
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
Traditional 12-Month IRA Certificate
$500
4.25%
▲ 1.33% above national avg
▼
Rate4.17%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.33% above avg
Details
Premier Member rate: 4.50% APY | 4.41% Dividend Rate; Traditional & Roth Certificates Rates
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
12 Month Certificate
$500
4.25%
▲ 1.33% above national avg
▼
Rate4.17%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.33% above avg
Details
Penalty for early withdrawal. Rate is accurate as today's dividend declaration.
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
1 Year Starter Add-On
$0
4.25%
▲ 1.33% above national avg
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.33% above avg
Details
Cecil County School Employees Federal Credit Union
12-Month Certificate
$500
4.20%
▲ 1.28% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.92%▲ 1.28% above avg
Details
Reach Your Goals Faster
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
SmartStart 12 Month Certificate
$0
4.16%
▲ 1.24% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.24% above avg
Details
Deposits allowed at any time! Fixed rate with guaranteed dividends. After the fixed rate certificate is opened, the dividend rate is fixed for the term. A penalty may be imposed for early withdrawals. Fees could reduce earnings.
Lions Share Federal Credit Union
Institution Rating:
F1.1 ★Texas Ratio: 15.10%
12 Month Traditional IRA CD
$500
4.15%
▲ 1.23% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.23% above avg
Details
Want higher, guaranteed returns
Local Government Federal Credit Union
Institution Rating:
F1.3 ★Texas Ratio: 55.39%
12 Month Business Jumbo Choice Certificate 12
$75,000
4.10%
▲ 1.18% above national avg
▼
Rate4.02%
Min Deposit$75,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.18% above avg
Details
Local Government Federal Credit Union
Institution Rating:
F1.3 ★Texas Ratio: 55.39%
12 Month Jumbo Choice Certificate 12
$75,000
4.10%
▲ 1.18% above national avg
▼
Rate4.02%
Min Deposit$75,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.18% above avg
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
1 Year Add-On Certificate
$0
4.10%
▲ 1.18% above national avg
▼
Rate4.04%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.18% above avg
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
12 Month Certificate
$500
4.06%
▲ 1.14% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.14% above avg
Details
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
12 month CD
$1,000
4.00%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details
Local Government Federal Credit Union
Institution Rating:
F1.3 ★Texas Ratio: 55.39%
12 Month IRA Choice Certificate 12
$250
4.00%
▲ 1.08% above national avg
▼
Rate3.92%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
Elite Jumbo CD 12-month
$250,000
4.00%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$250,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
12 Month Certificate Special
$0
4.00%
▲ 1.08% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
12 Month Certificate
$250
4.00%
▲ 1.08% above national avg
▼
Rate3.93%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
IRA Certificate - 12 Month
$250
4.00%
▲ 1.08% above national avg
▼
Rate3.93%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 1.08% above avg
Details
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.05%
12 Month Share Certificate
$1,000
3.90%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.92%▲ 0.98% above avg
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
12 Month Certificate
$0
3.87%
▲ 0.95% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.92%▲ 0.95% above avg
Details
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
12 Month Certificate
$500
3.87%
▲ 0.95% above national avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.95% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
Jumbo CD 12-month
$50,000
3.85%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.93% above avg
Details
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
IRA Share Certificate (12 Month)
$500
3.85%
▲ 0.93% above national avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.93% above avg
Details
Duke University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
IRA Certificate - 6-12 month term
$500
3.82%
▲ 0.90% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.90% above avg
Details
Duke University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
Share Certificate - 6-12 month term
$500
3.82%
▲ 0.90% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.90% above avg
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
12 Month Certificate
$500
3.80%
▲ 0.88% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.88% above avg
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
12 Month SmartStart
$100
3.80%
▲ 0.88% above national avg
▼
Rate3.75%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.88% above avg
Details
TCP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
Share Term Certificate - 12 Month
$250
3.80%
▲ 0.88% above national avg
▼
Rate3.75%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.88% above avg
Details
Fixed Rate
Flagstar Bank, National Association
Institution Rating:
D3.1 ★Texas Ratio: 37.37%
12-MONTH CD
$500
3.80%
▲ 0.88% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.88% above avg
Details
New Money Required; Offer subject to change or cancellation at any time without notice.
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
1 Year Certificate
$500
3.76%
▲ 0.84% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.92%▲ 0.84% above avg
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
12 Month Standard Personal Share Certificates
$0
3.76%
▲ 0.84% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.92%▲ 0.84% above avg
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
Traditional IRA Certificates - 12 Months
$0
3.76%
▲ 0.84% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.92%▲ 0.84% above avg
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
12-Month Certificate
$500
3.75%
▲ 0.83% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.83% above avg
Details
Premier Member Rate
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
IRA Traditional & Roth 1 year
$500
3.75%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.83% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
Regular CD 12-month
$500
3.75%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.83% above avg
Details
State Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
Share Term Certificate (STC) - 12 months
$250
3.75%
▲ 0.83% above national avg
▼
Rate3.75%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.83% above avg
Details
Emergency Responders Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12 Month Certificate
$500
3.75%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.83% above avg
Details
Certificates of Deposit
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
12 Month Term Certificate
$0
3.72%
▲ 0.80% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.92%▲ 0.80% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
12 Month Individual Retirement Account (IRA) Certificate
$0
3.72%
▲ 0.80% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.80% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
12 Month Term Certificate
$0
3.72%
▲ 0.80% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.80% above avg
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
IRA Certificate Accounts - 12 month
$500
3.66%
▲ 0.74% above national avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.74% above avg
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
Share Certificate Accounts - 12 month
$500
3.66%
▲ 0.74% above national avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.74% above avg
Details
HealthShare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
12-Month Share Certificate
$0
3.65%
▲ 0.73% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.73% above avg
Details
URW Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
Share Certificates (Share & IRA) - 1 Year
$1,000
3.60%
▲ 0.68% above national avg
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.68% above avg
Details
Welcome Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
12 Month Certificate
$500
3.60%
▲ 0.68% above national avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.68% above avg
Details
Welcome Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
IRA Share Certificates - 12 Months
$500
3.60%
▲ 0.68% above national avg
▼
Rate3.60%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.68% above avg
Details
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
Term Certificates K Jumbo - 12 Months
$200,000
3.60%
▲ 0.68% above national avg
▼
Rate3.60%
Min Deposit$200,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.68% above avg
Details
$200
First Carolina Peoples Credit Union
Institution Rating:
F1.4 ★Texas Ratio: 58.52%
Share Certificates 12 Months
$5,000
3.55%
▲ 0.63% above national avg
▼
Rate3.50%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.63% above avg
Details
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
Term Certificates k Jumbo - 12 Months
$100,000
3.55%
▲ 0.63% above national avg
▼
Rate3.55%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.63% above avg
Details
$100
Paramount Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
CD & IRA - 12 Months
$1,000
3.50%
▲ 0.58% above national avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.58% above avg
Details
Balance: Quarterly Post or Interest Checks
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
12-Month Business Certificate
$500
3.50%
▲ 0.58% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.92%▲ 0.58% above avg
Details
Barnesville 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
18 Month Certificate
$500
4.20%
▲ 1.38% above national avg
▼
Rate4.12%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.38% above avg
Details
Penalty for early withdrawal. Rate is accurate as today's dividend declaration.
Local Government Federal Credit Union
Institution Rating:
F1.3 ★Texas Ratio: 55.39%
18 Month Business Jumbo Choice Certificate 18
$75,000
4.10%
▲ 1.28% above national avg
▼
Rate4.02%
Min Deposit$75,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.28% above avg
Details
Local Government Federal Credit Union
Institution Rating:
F1.3 ★Texas Ratio: 55.39%
18 Month Jumbo Choice Certificate 18
$75,000
4.10%
▲ 1.28% above national avg
▼
Rate4.02%
Min Deposit$75,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.28% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
Senior 18-month Jumbo CD
$50,000
4.10%
▲ 1.28% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.28% above avg
Details
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
18 Month Certificate
$250
4.10%
▲ 1.28% above national avg
▼
Rate4.03%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.28% above avg
Details
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
IRA Certificate - 18 Month
$250
4.10%
▲ 1.28% above national avg
▼
Rate4.03%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.28% above avg
Details
Local Government Federal Credit Union
Institution Rating:
F1.3 ★Texas Ratio: 55.39%
12 - 18 Month Business Choice Certificate 18
$500
4.00%
▲ 1.18% above national avg
▼
Rate3.92%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.18% above avg
Details
Local Government Federal Credit Union
Institution Rating:
F1.3 ★Texas Ratio: 55.39%
12 - 18 Month Choice Certificate 18
$250
4.00%
▲ 1.18% above national avg
▼
Rate3.92%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.18% above avg
Details
Local Government Federal Credit Union
Institution Rating:
F1.3 ★Texas Ratio: 55.39%
18 Month IRA Choice Certificate 18
$250
4.00%
▲ 1.18% above national avg
▼
Rate3.92%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.18% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
Senior 18-month CD
$500
4.00%
▲ 1.18% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.18% above avg
Details
Emergency Responders Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
18 Month Certificate
$500
4.00%
▲ 1.18% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.18% above avg
Details
Certificates of Deposit
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
Jumbo CD 18-month
$50,000
3.90%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.08% above avg
Details
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
IRA Share Certificate (18 Month)
$500
3.90%
▲ 1.08% above national avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.08% above avg
Details
TCP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
Share Term Certificate - 18 Month
$250
3.85%
▲ 1.03% above national avg
▼
Rate3.80%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.03% above avg
Details
Fixed Rate
State Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
Share Term Certificate (STC) - 18 months
$250
3.85%
▲ 1.03% above national avg
▼
Rate3.85%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 1.03% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
IRA Traditional & Roth 18-month
$500
3.80%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.98% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
Regular CD 18-month
$500
3.80%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.98% above avg
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
18 Month Term Certificate
$0
3.77%
▲ 0.95% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.82%▲ 0.95% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
18 Month Individual Retirement Account (IRA) Certificate
$0
3.77%
▲ 0.95% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.95% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
18 Month Term Certificate
$0
3.77%
▲ 0.95% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.95% above avg
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
18 Month Certificate
$0
3.76%
▲ 0.94% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 0.94% above avg
Details
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.05%
18 Month Share Certificate
$1,000
3.75%
▲ 0.93% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 0.93% above avg
Details
Shuford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
18 Month Certificate
$0
3.75%
▲ 0.93% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.93% above avg
Details
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
Term Certificates K Jumbo - 18 Months
$200,000
3.75%
▲ 0.93% above national avg
▼
Rate3.75%
Min Deposit$200,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.93% above avg
Details
$200
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
18 Month Certificate Special
$0
3.75%
▲ 0.93% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.93% above avg
Details
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
Term Certificates k Jumbo - 18 Months
$100,000
3.70%
▲ 0.88% above national avg
▼
Rate3.70%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.88% above avg
Details
$100
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
18 Month Certificate
$500
3.66%
▲ 0.84% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 0.84% above avg
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
18 Month Standard Personal Share Certificates
$0
3.66%
▲ 0.84% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 0.84% above avg
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
18 month Traditional IRA Certificate
$500
3.66%
▲ 0.84% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 0.84% above avg
Details
Traditional IRA
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
Traditional IRA Certificates - 18 Months
$0
3.66%
▲ 0.84% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.82%▲ 0.84% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
18-month term
$0
3.65%
▲ 0.83% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.83% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
IRA CD Specials - 18-month term
$0
3.65%
▲ 0.83% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.83% above avg
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.20%
IRA CD Specials - 18-month term - 18 months
$0
3.65%
▲ 0.83% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.83% above avg
Details
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
18 Month Certificate
$500
3.56%
▲ 0.74% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.74% above avg
Details
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
18 Month Certificate or IRA
$0
3.55%
▲ 0.73% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.73% above avg
Details
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
18 Month Share Certificates
$0
3.55%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.73% above avg
Details
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
IRA Certificates - 18 Months
$0
3.55%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.73% above avg
Details
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
Young Certificates 18 Months
$0
3.55%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.73% above avg
Details
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
Share Term Certificates Regular - 18 Months
$500
3.55%
▲ 0.73% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.73% above avg
Details
RTP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
18 Month Business Certificate Account
$250
3.51%
▲ 0.69% above national avg
▼
Rate3.45%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.69% above avg
Details
RTP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
18 Month Certificate
$250
3.51%
▲ 0.69% above national avg
▼
Rate3.45%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.69% above avg
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
Traditional 18-Month IRA Certificate
$500
3.50%
▲ 0.68% above national avg
▼
Rate3.44%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.68% above avg
Details
Non-premier member rate: 3.25% APY | 3.20% Dividend Rate; Traditional & Roth Certificates Rates
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.23%
18 Month Term Certificate
$500
3.50%
▲ 0.68% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.68% above avg
Details
CS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
18-Month Special Share Certificate
$10,000
3.50%
▲ 0.68% above national avg
▼
Rate3.44%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.68% above avg
Details
Limited time Special rate
Roxboro Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
18 Month IRA Certificate
$0
3.45%
▲ 0.63% above national avg
▼
Rate3.39%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.63% above avg
Details
Lumbee Guaranty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
18 Month Fixed Rate IRA
$0
3.30%
▲ 0.48% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.82%▲ 0.48% above avg
Details
Lumbee Guaranty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
18 Month Variable Rate IRA
$0
3.30%
▲ 0.48% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.82%▲ 0.48% above avg
Details
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
18 Month Certificate
$2,000
3.30%
▲ 0.48% above national avg
▼
Rate3.25%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.48% above avg
Details
Early withdrawal penalties will substantially reduce stated APY by up to the equivalent of 180 days' dividends earned.
Roxboro Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
18 Month Certificates of Deposit (CDs)
$0
3.25%
▲ 0.43% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.43% above avg
Details
Roxboro Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
Certificates of Deposit (CDs) - 18 Months
$0
3.25%
▲ 0.43% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▲ 0.43% above avg
Details
Barnesville 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
24-month CD
$1,000
4.25%
▲ 1.41% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.41% above avg
Details
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
24 Month Certificate
$250
4.25%
▲ 1.41% above national avg
▼
Rate4.17%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.41% above avg
Details
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
IRA Certificate - 24 Month
$250
4.25%
▲ 1.41% above national avg
▼
Rate4.17%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.41% above avg
Details
Local Government Federal Credit Union
Institution Rating:
F1.3 ★Texas Ratio: 55.39%
24 Month Business Jumbo Choice Certificate 24
$75,000
4.20%
▲ 1.36% above national avg
▼
Rate4.12%
Min Deposit$75,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.36% above avg
Details
Local Government Federal Credit Union
Institution Rating:
F1.3 ★Texas Ratio: 55.39%
24 Month Jumbo Choice Certificate 24
$75,000
4.20%
▲ 1.36% above national avg
▼
Rate4.12%
Min Deposit$75,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.36% above avg
Details
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
24 Month Certificate
$100,000
4.15%
▲ 1.31% above national avg
▼
Rate4.07%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.31% above avg
Details
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
24 Month Certificate
$500
4.15%
▲ 1.31% above national avg
▼
Rate4.07%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.31% above avg
Details
Penalty for early withdrawal. Rate is accurate as today's dividend declaration.
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
24 Month Certificate
$500
4.11%
▲ 1.27% above national avg
▼
Rate4.05%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.27% above avg
Details
Local Government Federal Credit Union
Institution Rating:
F1.3 ★Texas Ratio: 55.39%
19 - 24 Month Business Choice Certificate 24
$500
4.10%
▲ 1.26% above national avg
▼
Rate4.02%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.26% above avg
Details
Local Government Federal Credit Union
Institution Rating:
F1.3 ★Texas Ratio: 55.39%
19 - 24 Month Choice Certificate 24
$250
4.10%
▲ 1.26% above national avg
▼
Rate4.02%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.26% above avg
Details
Local Government Federal Credit Union
Institution Rating:
F1.3 ★Texas Ratio: 55.39%
24 Month IRA Choice Certificate 24
$250
4.10%
▲ 1.26% above national avg
▼
Rate4.02%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.26% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
Elite Jumbo CD 24-month
$250,000
4.10%
▲ 1.26% above national avg
▼
Rate—
Min Deposit$250,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.26% above avg
Details
Duke University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
IRA Certificate - 13-24 month term
$500
4.08%
▲ 1.24% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.24% above avg
Details
Duke University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
Share Certificate - 13-24 month term
$500
4.08%
▲ 1.24% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.24% above avg
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
IRA Certificate Accounts - 24 month
$500
4.07%
▲ 1.23% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.23% above avg
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
Share Certificate Accounts - 24 month
$500
4.07%
▲ 1.23% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.23% above avg
Details
Lions Share Federal Credit Union
Institution Rating:
F1.1 ★Texas Ratio: 15.10%
24 Month Traditional IRA CD
$500
4.00%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.16% above avg
Details
Don't need immediate access to the funds
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
2 Year IRA Certificate
$500
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.16% above avg
Details
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
24 Month Certificate
$500
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.16% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
Jumbo CD 24-month
$50,000
3.95%
▲ 1.11% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.11% above avg
Details
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
IRA Share Certificate (24 Month)
$500
3.90%
▲ 1.06% above national avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.06% above avg
Details
TCP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
Share Term Certificate - 24 Month
$250
3.90%
▲ 1.06% above national avg
▼
Rate3.85%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.06% above avg
Details
Fixed Rate
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
24 Month Certificate
$500
3.85%
▲ 1.01% above national avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.01% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
IRA Traditional & Roth 2 year
$500
3.85%
▲ 1.01% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.01% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
Regular CD 24-month
$500
3.85%
▲ 1.01% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.01% above avg
Details
State Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
Share Term Certificate (STC) - 24 months
$250
3.85%
▲ 1.01% above national avg
▼
Rate3.85%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.01% above avg
Details
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
Term Certificates K Jumbo - 24 Months
$200,000
3.85%
▲ 1.01% above national avg
▼
Rate3.85%
Min Deposit$200,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 1.01% above avg
Details
$200
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2 Year IRA Certificates - Roth Executive
$100,000
3.80%
▲ 0.96% above national avg
▼
Rate3.73%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.96% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2 Year IRA Certificates - Traditional Executive
$100,000
3.80%
▲ 0.96% above national avg
▼
Rate3.73%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.96% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2 Year Roth Executive IRA Certificate
$100,000
3.80%
▲ 0.96% above national avg
▼
Rate3.73%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.96% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2 Year Traditional Executive IRA Certificate
$100,000
3.80%
▲ 0.96% above national avg
▼
Rate3.73%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.96% above avg
Details
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
Term Certificates k Jumbo - 24 Months
$100,000
3.80%
▲ 0.96% above national avg
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.96% above avg
Details
$100
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
24 Month Term Certificate
$0
3.77%
▲ 0.93% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.84%▲ 0.93% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
24 Month Individual Retirement Account (IRA) Certificate
$0
3.77%
▲ 0.93% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.93% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
24 Month Term Certificate
$0
3.77%
▲ 0.93% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.93% above avg
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
24 Month Certificate
$0
3.76%
▲ 0.92% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.84%▲ 0.92% above avg
Details
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.05%
24 Month Share Certificate
$1,000
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.84%▲ 0.91% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2 Year IRA Certificates - Roth Premier
$10,000
3.70%
▲ 0.86% above national avg
▼
Rate3.63%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.86% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2 Year IRA Certificates - Traditional Premier
$10,000
3.70%
▲ 0.86% above national avg
▼
Rate3.63%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.86% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2 Year Roth Premier IRA Certificate
$10,000
3.70%
▲ 0.86% above national avg
▼
Rate3.63%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.86% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2 Year Traditional Premier IRA Certificate
$10,000
3.70%
▲ 0.86% above national avg
▼
Rate3.63%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.86% above avg
Details
Welcome Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
24 Month Certificate
$1,000
3.70%
▲ 0.86% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.86% above avg
Details
Welcome Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
IRA Share Certificates - 24 Months
$500
3.70%
▲ 0.86% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.86% above avg
Details
Flagstar Bank, National Association
Institution Rating:
D3.1 ★Texas Ratio: 37.37%
24-MONTH CD
$2,500
3.70%
▲ 0.86% above national avg
▼
Rate—
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.86% above avg
Details
New Money Required; Offer subject to change or cancellation at any time without notice.
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
24 Month Standard Personal Share Certificates
$0
3.66%
▲ 0.82% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.84%▲ 0.82% above avg
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
Traditional IRA Certificates - 24 Months
$0
3.66%
▲ 0.82% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.84%▲ 0.82% above avg
Details
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
2 Year IRA Certificate
$500
3.65%
▲ 0.81% above national avg
▼
Rate3.59%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.81% above avg
Details
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
Share Term Certificates Regular - 24 Months
$500
3.65%
▲ 0.81% above national avg
▼
Rate3.65%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.81% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2 Year IRA Certificates - Roth
$500
3.60%
▲ 0.76% above national avg
▼
Rate3.53%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.76% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2 Year IRA Certificates - Traditional
$500
3.60%
▲ 0.76% above national avg
▼
Rate3.53%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▲ 0.76% above avg
Details
Barnesville 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
36 Month Certificate
$500
4.16%
▲ 1.39% above national avg
▼
Rate4.10%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.39% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
Elite Jumbo CD 36-month
$250,000
4.15%
▲ 1.38% above national avg
▼
Rate—
Min Deposit$250,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.38% above avg
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
3 Years Add-On Certificate
$0
4.15%
▲ 1.38% above national avg
▼
Rate4.09%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.38% above avg
Details
Duke University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
IRA Certificate - 25-36 month term
$500
4.08%
▲ 1.31% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.31% above avg
Details
Duke University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.70%
Share Certificate - 25-36 month term
$500
4.08%
▲ 1.31% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.31% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
Jumbo CD 36-month
$50,000
4.00%
▲ 1.23% above national avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.23% above avg
Details
Local Government Federal Credit Union
Institution Rating:
F1.3 ★Texas Ratio: 55.39%
36 Month Business Jumbo Choice Certificate 36
$75,000
3.95%
▲ 1.18% above national avg
▼
Rate3.88%
Min Deposit$75,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.18% above avg
Details
Local Government Federal Credit Union
Institution Rating:
F1.3 ★Texas Ratio: 55.39%
36 Month Jumbo Choice Certificate 36
$75,000
3.95%
▲ 1.18% above national avg
▼
Rate3.88%
Min Deposit$75,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.18% above avg
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
36 Month Certificate
$500
3.91%
▲ 1.14% above national avg
▼
Rate3.85%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.14% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
IRA Traditional & Roth 3 year
$500
3.90%
▲ 1.13% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.13% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
Regular CD 36-month
$500
3.90%
▲ 1.13% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.13% above avg
Details
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
Term Certificates K Jumbo - 36 Months
$200,000
3.90%
▲ 1.13% above national avg
▼
Rate3.90%
Min Deposit$200,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.13% above avg
Details
$200
Local Government Federal Credit Union
Institution Rating:
F1.3 ★Texas Ratio: 55.39%
25 - 36 Month Business Choice Certificate 36
$500
3.85%
▲ 1.08% above national avg
▼
Rate3.78%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.08% above avg
Details
Local Government Federal Credit Union
Institution Rating:
F1.3 ★Texas Ratio: 55.39%
25 - 36 Month Choice Certificate 36
$250
3.85%
▲ 1.08% above national avg
▼
Rate3.78%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.08% above avg
Details
Local Government Federal Credit Union
Institution Rating:
F1.3 ★Texas Ratio: 55.39%
36 Month IRA Choice Certificate 36
$250
3.85%
▲ 1.08% above national avg
▼
Rate3.78%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.08% above avg
Details
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
Term Certificates k Jumbo - 36 Months
$100,000
3.85%
▲ 1.08% above national avg
▼
Rate3.85%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.08% above avg
Details
$100
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
36 Month Term Certificate
$0
3.82%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.77%▲ 1.05% above avg
Details
Lumbee Guaranty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
36 Month Fixed Rate IRA
$0
3.82%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 11, 2026
National Average2.77%▲ 1.05% above avg
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
IRA Certificate Accounts - 36 month
$500
3.82%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.05% above avg
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
Share Certificate Accounts - 36 month
$500
3.82%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.05% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
36 Month Individual Retirement Account (IRA) Certificate
$0
3.82%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.05% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
36 Month Term Certificate
$0
3.82%
▲ 1.05% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.05% above avg
Details
Welcome Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
36 Month Certificate
$1,000
3.80%
▲ 1.03% above national avg
▼
Rate3.80%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.03% above avg
Details
Welcome Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
IRA Share Certificates - 36 Months
$500
3.80%
▲ 1.03% above national avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.03% above avg
Details
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
IRA Share Certificate (36 Month)
$500
3.80%
▲ 1.03% above national avg
▼
Rate3.73%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.03% above avg
Details
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
36 Month Certificate
$250
3.80%
▲ 1.03% above national avg
▼
Rate3.74%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.03% above avg
Details
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
IRA Certificate - 36 Month
$250
3.80%
▲ 1.03% above national avg
▼
Rate3.74%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 1.03% above avg
Details
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.05%
36 Month Share Certificate
$1,000
3.75%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.77%▲ 0.98% above avg
Details
State Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
Share Term Certificate (STC) - 36 months
$250
3.75%
▲ 0.98% above national avg
▼
Rate3.75%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
36 Month Certificate
$500
3.75%
▲ 0.98% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.98% above avg
Details
Penalty for early withdrawal. Rate is accurate as today's dividend declaration.
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
Share Term Certificates Regular - 36 Months
$500
3.70%
▲ 0.93% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.93% above avg
Details
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
36 Month Share Certificates
$0
3.65%
▲ 0.88% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.88% above avg
Details
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
IRA Certificates - 36 months
$0
3.65%
▲ 0.88% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.88% above avg
Details
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
Young Certificates 36 Months
$0
3.65%
▲ 0.88% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.88% above avg
Details
TCP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
Share Term Certificate - 36 Month
$250
3.64%
▲ 0.87% above national avg
▼
Rate3.60%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.87% above avg
Details
Fixed Rate
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
36 Month Certificate or IRA
$0
3.60%
▲ 0.83% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.83% above avg
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
36 Month Certificate
$0
3.56%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.77%▲ 0.79% above avg
Details
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
36 Month Certificate
$500
3.56%
▲ 0.79% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.79% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
3 Year IRA Certificates - Roth Executive
$100,000
3.55%
▲ 0.78% above national avg
▼
Rate3.48%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.78% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
3 Year IRA Certificates - Traditional Executive
$100,000
3.55%
▲ 0.78% above national avg
▼
Rate3.48%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.78% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
3 Year Roth Executive IRA Certificate
$100,000
3.55%
▲ 0.78% above national avg
▼
Rate3.48%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.78% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
3 Year Traditional Executive IRA Certificate
$100,000
3.55%
▲ 0.78% above national avg
▼
Rate3.48%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.78% above avg
Details
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
36 Month Certificate
$2,000
3.51%
▲ 0.74% above national avg
▼
Rate3.45%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.74% above avg
Details
Early withdrawal penalties will substantially reduce stated APY by up to the equivalent of 180 days' dividends earned.
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
IRA Certificates 36-Month
$2,000
3.51%
▲ 0.74% above national avg
▼
Rate3.45%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.74% above avg
Details
Early withdrawal penalties will substantially reduce stated APY by up to the equivalent of 180 days interest earned.
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
3 Year Certificate
$0
3.50%
▲ 0.73% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.77%▲ 0.73% above avg
Details
1x Bump Up
RTP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
36 Month Business Certificate Account
$250
3.46%
▲ 0.69% above national avg
▼
Rate3.40%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.69% above avg
Details
RTP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
36 Month Certificate
$250
3.46%
▲ 0.69% above national avg
▼
Rate3.40%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▲ 0.69% above avg
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
36 Month Certificate
$500
3.45%
▲ 0.68% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.77%▲ 0.68% above avg
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
36 Month Standard Personal Share Certificates
$0
3.45%
▲ 0.68% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.77%▲ 0.68% above avg
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
36 month Traditional IRA Certificate
$500
3.45%
▲ 0.68% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.77%▲ 0.68% above avg
Details
Traditional IRA
Barnesville 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
Elite Jumbo CD 48-month
$250,000
4.25%
▲ 1.47% above national avg
▼
Rate—
Min Deposit$250,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.47% above avg
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
48 Month Certificate
$500
4.22%
▲ 1.44% above national avg
▼
Rate4.15%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.44% above avg
Details
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
4 Year Certificates
$0
4.12%
▲ 1.34% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.34% above avg
Details
4 Yr Certificate - $100k: 127% is the difference between the percent earned in interest between Advancial Federal Credit Union's rate at 4.12% APY compared to 1.82% APY for the Lafayette, Louisiana Metro market average over the life of a 4 year share certificate at $100,000.
Local Government Federal Credit Union
Institution Rating:
F1.3 ★Texas Ratio: 55.39%
48 Month Business Jumbo Choice Certificate 48
$75,000
4.00%
▲ 1.22% above national avg
▼
Rate3.92%
Min Deposit$75,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.22% above avg
Details
Local Government Federal Credit Union
Institution Rating:
F1.3 ★Texas Ratio: 55.39%
48 Month Jumbo Choice Certificate 48
$75,000
4.00%
▲ 1.22% above national avg
▼
Rate3.92%
Min Deposit$75,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.22% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
Regular CD 48-month
$500
4.00%
▲ 1.22% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.22% above avg
Details
State Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
Share Term Certificate (STC) - 48 months
$250
4.00%
▲ 1.22% above national avg
▼
Rate4.00%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.22% above avg
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
48 Month Certificate
$500
3.96%
▲ 1.18% above national avg
▼
Rate3.90%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.18% above avg
Details
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
Term Certificates K Jumbo - 48 Months
$200,000
3.93%
▲ 1.15% above national avg
▼
Rate3.93%
Min Deposit$200,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.15% above avg
Details
$200
Local Government Federal Credit Union
Institution Rating:
F1.3 ★Texas Ratio: 55.39%
37 - 48 Month Business Choice Certificate 48
$500
3.90%
▲ 1.12% above national avg
▼
Rate3.83%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.12% above avg
Details
Local Government Federal Credit Union
Institution Rating:
F1.3 ★Texas Ratio: 55.39%
37 - 48 Month Choice Certificate 48
$250
3.90%
▲ 1.12% above national avg
▼
Rate3.83%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.12% above avg
Details
Local Government Federal Credit Union
Institution Rating:
F1.3 ★Texas Ratio: 55.39%
48 Month IRA Choice Certificate 48
$250
3.90%
▲ 1.12% above national avg
▼
Rate3.83%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.12% above avg
Details
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
48 Month Certificate
$250
3.90%
▲ 1.12% above national avg
▼
Rate3.83%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.12% above avg
Details
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
IRA Certificate - 48 Month
$250
3.90%
▲ 1.12% above national avg
▼
Rate3.83%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.12% above avg
Details
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
Term Certificates k Jumbo - 48 Months
$100,000
3.88%
▲ 1.10% above national avg
▼
Rate3.88%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.10% above avg
Details
$100
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
48 Month Term Certificate
$0
3.82%
▲ 1.04% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.78%▲ 1.04% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
48 Month Individual Retirement Account (IRA) Certificate
$0
3.82%
▲ 1.04% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.04% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
48 Month Term Certificate
$0
3.82%
▲ 1.04% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 1.04% above avg
Details
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.05%
48 Month Share Certificate
$1,000
3.75%
▲ 0.97% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 0.97% above avg
Details
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
48 Month Share Certificates
$0
3.75%
▲ 0.97% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.97% above avg
Details
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
IRA Certificates - 48 Months
$0
3.75%
▲ 0.97% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.97% above avg
Details
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
Young Certificates 48 Months
$0
3.75%
▲ 0.97% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.97% above avg
Details
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
Share Term Certificates Regular - 48 Months
$500
3.73%
▲ 0.95% above national avg
▼
Rate3.73%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.95% above avg
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
IRA Certificate Accounts - 48 month
$500
3.51%
▲ 0.73% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.73% above avg
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.78%
Share Certificate Accounts - 48 month
$500
3.51%
▲ 0.73% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.73% above avg
Details
American Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
48 Month IRA and Share Certificates
$500
3.50%
▲ 0.72% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.72% above avg
Details
American Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
48 Month Share and IRA Certificates
$500
3.50%
▲ 0.72% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.72% above avg
Details
Welcome Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
48 Month Certificate
$1,000
3.50%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.72% above avg
Details
Welcome Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
IRA Share Certificates - 48 Months
$500
3.50%
▲ 0.72% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.72% above avg
Details
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.55%
48 Month Certificate
$500
3.50%
▲ 0.72% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.72% above avg
Details
Penalty for early withdrawal. Rate is accurate as today's dividend declaration.
Acclaim Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
Jumbo Saver - 48 months
$100,000
3.40%
▲ 0.62% above national avg
▼
Rate3.35%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.62% above avg
Details
Acclaim Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
Super Saver - 48 months
$1,000
3.40%
▲ 0.62% above national avg
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.62% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
48 Month Term
$100,000
3.35%
▲ 0.57% above national avg
▼
Rate3.30%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.78%▲ 0.57% above avg
Details
RTP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.90%
48 Month Certificate
$250
3.35%
▲ 0.57% above national avg
▼
Rate3.30%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.57% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
48 Month Term
$25,000
3.30%
▲ 0.52% above national avg
▼
Rate3.25%
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.78%▲ 0.52% above avg
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
48 Month Certificate
$0
3.30%
▲ 0.52% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 0.52% above avg
Details
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
4 Year IRA Certificate
$500
3.30%
▲ 0.52% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.52% above avg
Details
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
48 Month Certificate
$500
3.30%
▲ 0.52% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.52% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
48 Month Term
$5,000
3.25%
▲ 0.47% above national avg
▼
Rate3.20%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.78%▲ 0.47% above avg
Details
TCP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
Share Term Certificate - 48 Month
$250
3.23%
▲ 0.45% above national avg
▼
Rate3.20%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.45% above avg
Details
Fixed Rate
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
48 Month Standard Personal Share Certificates
$0
3.20%
▲ 0.42% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 0.42% above avg
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
Traditional IRA Certificates - 48 Months
$0
3.20%
▲ 0.42% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.78%▲ 0.42% above avg
Details
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
4 Year Certificate
$500
3.20%
▲ 0.42% above national avg
▼
Rate3.15%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.42% above avg
Details
Rates are variable and subject to change. Rate is effective as of 02.17.26. Certificate rates subject to change without notice, penalty applied for early withdrawal of funds, fees may affect earnings. Some transfer/withdrawal limitations and restrictions may apply. Fees may reduce the earnings.
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
48 Month Term
$250
3.19%
▲ 0.41% above national avg
▼
Rate3.15%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.78%▲ 0.41% above avg
Details
Revity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
Jumbo & Jumbo IRA Certificates 48 Month
$50,000
3.09%
▲ 0.31% above national avg
▼
Rate3.05%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.31% above avg
Details
Revity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
Mini Jumbo & Mini Jumbo IRA Certificate 48 Month
$10,000
3.09%
▲ 0.31% above national avg
▼
Rate3.05%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.31% above avg
Details
Revity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
Regular & IRA Certificates 48 Month
$500
3.09%
▲ 0.31% above national avg
▼
Rate3.05%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.31% above avg
Details
First Carolina Peoples Credit Union
Institution Rating:
F1.4 ★Texas Ratio: 58.52%
IRA Certificates 48 Months
$5,000
3.04%
▲ 0.26% above national avg
▼
Rate3.00%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.26% above avg
Details
First Carolina Peoples Credit Union
Institution Rating:
F1.4 ★Texas Ratio: 58.52%
Share Certificates 48 Months
$5,000
3.04%
▲ 0.26% above national avg
▼
Rate3.00%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.26% above avg
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
48-Month Certificate
$500
3.00%
▲ 0.22% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.78%▲ 0.22% above avg
Details
Premier Member Rate
Barnesville 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
5 Year Certificates
$0
4.49%
▲ 1.63% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.63% above avg
Details
5 Yr Certificate - $100k: 78% is the difference between the percent earned in interest between Advancial Federal Credit Union's rate at 4.49% APY compared to 2.52% APY for the Anchorage/Mat-Su Area market average over the life of a 5 year share certificate at $100,000.
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
Jumbo, 5 Year Term Certificate
$0
4.49%
▲ 1.63% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.63% above avg
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
60 Month Certificate
$500
4.27%
▲ 1.41% above national avg
▼
Rate4.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.41% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
Elite Jumbo CD 60-month
$250,000
4.25%
▲ 1.39% above national avg
▼
Rate—
Min Deposit$250,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.39% above avg
Details
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
60 Month Certificate
$250
4.15%
▲ 1.29% above national avg
▼
Rate4.07%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.29% above avg
Details
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
IRA Certificate - 60 Month
$250
4.15%
▲ 1.29% above national avg
▼
Rate4.07%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.29% above avg
Details
Local Government Federal Credit Union
Institution Rating:
F1.3 ★Texas Ratio: 55.39%
60 Month Business Jumbo Choice Certificate 48
$75,000
4.10%
▲ 1.24% above national avg
▼
Rate4.02%
Min Deposit$75,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.24% above avg
Details
Local Government Federal Credit Union
Institution Rating:
F1.3 ★Texas Ratio: 55.39%
60 Month Jumbo Choice Certificate 60
$75,000
4.10%
▲ 1.24% above national avg
▼
Rate4.02%
Min Deposit$75,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.24% above avg
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
60 Month Certificate
$500
4.01%
▲ 1.15% above national avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.15% above avg
Details
Local Government Federal Credit Union
Institution Rating:
F1.3 ★Texas Ratio: 55.39%
49 - 60 Month Business Choice Certificate 60
$500
4.00%
▲ 1.14% above national avg
▼
Rate3.92%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.14% above avg
Details
Local Government Federal Credit Union
Institution Rating:
F1.3 ★Texas Ratio: 55.39%
49 - 60 Month Choice Certificate 60
$250
4.00%
▲ 1.14% above national avg
▼
Rate3.92%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.14% above avg
Details
Local Government Federal Credit Union
Institution Rating:
F1.3 ★Texas Ratio: 55.39%
60 Month IRA Choice Certificate 60
$250
4.00%
▲ 1.14% above national avg
▼
Rate3.92%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.14% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
IRA Traditional & Roth 5 year
$500
4.00%
▲ 1.14% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.14% above avg
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.87%
Regular CD 60-month
$500
4.00%
▲ 1.14% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.14% above avg
Details
State Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.54%
Share Term Certificate (STC) - 60 months
$250
4.00%
▲ 1.14% above national avg
▼
Rate4.00%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.14% above avg
Details
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
Term Certificates K Jumbo - 60 Months
$200,000
3.95%
▲ 1.09% above national avg
▼
Rate3.95%
Min Deposit$200,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.09% above avg
Details
$200
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
60 Month Share Certificates
$0
3.90%
▲ 1.04% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.04% above avg
Details
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
IRA Certificates - 60 Months
$0
3.90%
▲ 1.04% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.04% above avg
Details
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
Young Certificates 60 Months
$0
3.90%
▲ 1.04% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.04% above avg
Details
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
Term Certificates k Jumbo - 60 Months
$100,000
3.90%
▲ 1.04% above national avg
▼
Rate3.90%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 1.04% above avg
Details
$100
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
60 Month Term Certificate
$0
3.82%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.86%▲ 0.96% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
60 Month Individual Retirement Account (IRA) Certificate
$0
3.82%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.96% above avg
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
60 Month Term Certificate
$0
3.82%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.96% above avg
Details
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.05%
60 Month Share Certificate
$1,000
3.75%
▲ 0.89% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 12, 2026
National Average2.86%▲ 0.89% above avg
Details
American Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
60 Month IRA and Share Certificates
$500
3.75%
▲ 0.89% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.89% above avg
Details
American Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
60 Month Share and IRA Certificates
$500
3.75%
▲ 0.89% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.89% above avg
Details
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
Share Term Certificates Regular - 60 Months
$500
3.75%
▲ 0.89% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.89% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
5 Year IRA Certificates - Roth Executive
$100,000
3.60%
▲ 0.74% above national avg
▼
Rate3.53%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.74% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
5 Year IRA Certificates - Traditional Executive
$100,000
3.60%
▲ 0.74% above national avg
▼
Rate3.53%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.74% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
5 Year Roth Executive IRA Certificate
$100,000
3.60%
▲ 0.74% above national avg
▼
Rate3.53%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.74% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
5 Year Traditional Executive IRA Certificate
$100,000
3.60%
▲ 0.74% above national avg
▼
Rate3.53%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.74% above avg
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
5 Year IRA Certificate
$0
3.60%
▲ 0.74% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.74% above avg
Details
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
60 Month Certificate
$2,000
3.51%
▲ 0.65% above national avg
▼
Rate3.45%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.65% above avg
Details
Early withdrawal penalties will substantially reduce stated APY by up to the equivalent of 180 days' dividends earned.
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
IRA Certificates 60-Month
$2,000
3.51%
▲ 0.65% above national avg
▼
Rate3.45%
Min Deposit$2,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.65% above avg
Details
Early withdrawal penalties will substantially reduce stated APY by up to the equivalent of 180 days interest earned.
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
5 Year IRA Certificates - Roth Premier
$10,000
3.50%
▲ 0.64% above national avg
▼
Rate3.44%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.64% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
5 Year IRA Certificates - Traditional Premier
$10,000
3.50%
▲ 0.64% above national avg
▼
Rate3.44%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.64% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
5 Year Roth Premier IRA Certificate
$10,000
3.50%
▲ 0.64% above national avg
▼
Rate3.44%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.64% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
5 Year Traditional Premier IRA Certificate
$10,000
3.50%
▲ 0.64% above national avg
▼
Rate3.44%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.64% above avg
Details
Welcome Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
60 Month Certificate
$1,000
3.50%
▲ 0.64% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.64% above avg
Details
Welcome Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
IRA Share Certificates - 60 Months
$500
3.50%
▲ 0.64% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.64% above avg
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
5 Year Certificate
$0
3.45%
▲ 0.59% above national avg
▼
Rate3.41%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.59% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
60 Month Term
$100,000
3.40%
▲ 0.54% above national avg
▼
Rate3.35%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.86%▲ 0.54% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
5 Year IRA Certificates - Roth
$500
3.40%
▲ 0.54% above national avg
▼
Rate3.34%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.54% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
5 Year IRA Certificates - Traditional
$500
3.40%
▲ 0.54% above national avg
▼
Rate3.34%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.54% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
5 Year Roth IRA Certificate
$500
3.40%
▲ 0.54% above national avg
▼
Rate3.34%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.54% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
5 Year Traditional IRA Certificate
$500
3.40%
▲ 0.54% above national avg
▼
Rate3.34%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.54% above avg
Details
Acclaim Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
Jumbo Saver - 60 months
$100,000
3.40%
▲ 0.54% above national avg
▼
Rate3.35%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.54% above avg
Details
Acclaim Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.24%
Super Saver - 60 months
$1,000
3.40%
▲ 0.54% above national avg
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.54% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
60 Month Term
$25,000
3.35%
▲ 0.49% above national avg
▼
Rate3.30%
Min Deposit$25,000
Min Balance—
Verified and UpdatedSep 15, 2026
National Average2.86%▲ 0.49% above avg
Details
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
5 Year IRA Certificate
$500
3.35%
▲ 0.49% above national avg
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.86%▲ 0.49% above avg
Details
Powered by
MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Barnesville, NC CD Rate Trends
Compare local Barnesville, NC CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
12-Month CD NC Avg
2.921%
▲ 0.081 vs 7 days ago
North Carolina 12-month CD rates rose 0.081 points over the past 7 days to 2.921% APY.
6-Month CD NC Avg
2.746%
▲ 0.076 vs 7 days ago
North Carolina 6-month CD rates rose 0.076 points over the past 7 days to 2.746% APY.
As of Sep 16, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
NC CD Rate Forecast, Next 12 Months
Where are North Carolina CD rates headed through September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
NC 12-Month Avg APY
2.921%
6-Month Forecast
2.921%
Range: 2.72% – 3.07%
12-Month Forecast
3.171%
Range: 2.97% – 3.32%
Powered by
MonitorBankRates
What Your Savings Earn at NC CD Rates Today
Annual interest earnings at today’s North Carolina average APYs. State average used where available; national average as fallback.
| CD Term | NC Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.043% | $102.14 | $204.28 | $510.70 | $1,021.40 |
| 6-Month CD | 2.746% | $137.27 | $274.55 | $686.37 | $1,372.75 |
| 12-Month CD | 2.921% | $146.06 | $292.11 | $730.28 | $1,460.55 |
| 18-Month CD | 2.824% | $141.19 | $282.38 | $705.95 | $1,411.90 |
| 24-Month CD | 2.843% | $142.16 | $284.32 | $710.80 | $1,421.60 |
| 36-Month CD | 2.765% | $138.26 | $276.52 | $691.30 | $1,382.60 |
| 48-Month CD | 2.778% | $138.91 | $277.82 | $694.55 | $1,389.10 |
| 60-Month CD | 2.858% | $142.91 | $285.81 | $714.53 | $1,429.05 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 15, 2026. | |||||
Sample CD Ladder for Barnesville, North Carolina Savers
$25,000 split equally across 5 terms using today’s North Carolina average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | NC Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.043% | $102.14 |
| 2 | 6-Month CD | $5,000 | 2.746% | $137.27 |
| 3 | 12-Month CD | $5,000 | 2.921% | $146.06 |
| 4 | 24-Month CD | $5,000 | 2.843% | $142.16 |
| 5 | 36-Month CD | $5,000 | 2.765% | $138.26 |
| Total ($25,000 invested) | $25,000 | 2.664% blended | $665.89/yr | |
Ladder example uses equal $5,000 rungs and North Carolina average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
749
CD Rates
Tracked in Barnesville, North Carolina
Tracked in Barnesville, North Carolina
21 Banks
53 Credit Unions
About Our Barnesville, North Carolina CD Rate Database
MonitorBankRates tracks 749 CD rates from 21 banks and 53 credit unions with locations in Barnesville, North Carolina, plus national online institutions available to North Carolina residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Fort Financial Federal Credit Union offers a CD at 4.50% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Barnesville, North Carolina.
How to Find the Best CD Rates in Barnesville, North Carolina
What to compare when shopping for a CD in Barnesville, North Carolina
To find the best APYs in Barnesville, North Carolina, start with credit unions and online-only banks: Barnesville, North Carolina has 53 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in Barnesville, North Carolina
- You have a planned expense coming up and want your savings to earn while you wait
- You expect rates to fall and want to lock in today’s rate
- You want FDIC or NCUA protection with a guaranteed fixed return
- You prefer banking with an institution that has a local branch in Barnesville, North Carolina: 74 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Barnesville, North Carolina savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Barnesville, North Carolina money market rates
North Carolina Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024 (state-level data shown; city data not available)
Population 65+
17.2%
National avg: 17.3%
Median Individual Earnings
$43,026
National avg: $47,340
Poverty Rate
13.0%
National avg: 11.1%
Unemployment Rate
4.6%
National avg: 4.8%
CD Earnings on 10% of Salary
$126/yr
At NC 12-mo avg 2.921% APY
17.2% of residents are 65 or older, in line with the national average of 17.3%. At today’s NC 12-month CD average of 2.921%, saving 10% of the local median salary ($4,302/year) and putting it in a CD would earn an additional $126 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Barnesville, North Carolina
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Barnesville, North Carolina
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Barnesville, North Carolina typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Barnesville, North Carolina as everywhere in the U.S.
Choosing a CD Term in Barnesville, North Carolina
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Barnesville, North Carolina savers easier access to their funds. For example, United Federal Credit Union is offering its 6 Month Special Certificate at 4.05% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, ADVANCIAL is offering its 5 Year Certificates at 4.49% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Barnesville, North Carolina Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Barnesville, North Carolina saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in Barnesville, North Carolina
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Barnesville, North Carolina CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in Barnesville, North Carolina
Most CDs carry a fixed rate that is locked for the entire term, protecting a Barnesville, North Carolina depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
Frequently Asked Questions about CD Rates in Barnesville, North Carolina
Are CD rates in Barnesville, North Carolina FDIC insured?
Yes, most established banks in Barnesville, North Carolina are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.
Do I have to pay state taxes on CD interest in Barnesville, North Carolina?
Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Barnesville, North Carolina.
Can I withdraw my money early from a CD?
You can, but most institutions charge an Early Withdrawal Penalty, typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.
What is the difference between a Jumbo CD and a regular CD?
Jumbo CDs require a higher minimum deposit, traditionally $100,000 or more. In exchange, banks in Barnesville, North Carolina may offer slightly higher APYs compared to standard CDs.
Are fixed-rate CDs better than variable-rate CDs?
Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.
What is a CD ladder?
A CD ladder involves opening multiple CDs with staggered maturity dates, for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.
Best CD rates in Barnesville, North Carolina?
Here are recent top rates found for this area:
- Fort Financial Federal Credit Union: 4.50% APY (Traditional 12-Month IRA Certificate)
- ADVANCIAL: 4.49% APY (5 Year Certificates)
- Founders Federal Credit Union: 4.27% APY (60 Month Certificate)
- Crescent Bank: 4.25% APY (24-month CD)
- Skyla Federal Credit Union: 4.25% APY (Elite Jumbo CD 48-month)
- Empeople Credit Union: 4.25% APY (12 Month Certificate)
- U S POSTAL SERVICE: 4.25% APY (1 Year Starter Add-On)
- COASTAL: 4.25% APY (24 Month Certificate)
- Cecil County School Employees Federal Credit Union: 4.20% APY (12-Month Certificate)
- Local Government Federal Credit Union: 4.20% APY (24 Month Business Jumbo Choice Certificate 24)
Rates reflect recent verified offers available in Barnesville, North Carolina. Last Updated: September 15, 2026
Barnesville, North Carolina CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Barnesville, North Carolina rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
—
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for Barnesville, North Carolina
Barnesville, North Carolina CD Calculator
At today’s NC top rate of 4.50% APY, a $10,000 deposit earns $450 in the first year. Enter your amount to see your exact return.
Barnesville, North Carolina CD LadderNC CD rates currently range from 2.043% (3-month) to 2.765% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Barnesville, North Carolina CD at 4.50% APY, know your exit cost. Most institutions charge 90–180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsNorth Carolina’s average 12-month CD is 2.921% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Barnesville, North Carolina CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Barnesville, North Carolina directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Barnesville, North Carolina. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in NC.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: September 15, 2026
Barnesville, North Carolina Rates & Resources
Barnesville, North Carolina Mortgage Rates
Barnesville, North Carolina Refinance Rates
Barnesville, North Carolina Home Equity Loan Rates
Barnesville, North Carolina Savings Rates
Barnesville, North Carolina Money Market Rates
Barnesville, North Carolina Checking Rates
Barnesville, North Carolina Auto Loan Rates
Barnesville, North Carolina Personal Loan Rates
Barnesville, North Carolina Homeowners Insurance
Barnesville, North Carolina Car Insurance
Rate Assistant
MonitorBankRates.com · Live Data
Try asking