Charlotte, North Carolina Best CD Rates September 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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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.
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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 Charlotte, North Carolina CD rates include ADVANCIALADVANCIAL7521 Pineville Matthews Rd, Charlotte, NC 28226A5.0 ★Texas Ratio: 10.42%Real return: +1.69%APY minus CPI (February 2026) offering Regular, IRA & Business Jumbo Certificates - 5 years at 4.49% APY, Founders Federal Credit UnionFounders Federal Credit Union11115 S Tryon St, Charlotte, NC 28273A+5.0 ★Texas Ratio: 3.68%Real return: +1.47%APY minus CPI (February 2026) offering 60 Month Certificate at 4.27% APY, Blue Flame Credit Union Charlotte, NCBlue Flame Credit Union Charlotte, NC2000 Continental Blvd, Charlotte, NC 28273A+5.0 ★Texas Ratio: 2.18%Real return: +1.10%APY minus CPI (February 2026) offering Young Certificates 60 Months at 3.90% APY, Self-Help Credit UnionSelf-Help Credit Union1065 Providence Rd, Charlotte, NC 28207 2568A5.0 ★Texas Ratio: 6.02%Real return: +1.02%APY minus CPI (February 2026) offering 36 Months at 3.82% APY, and Flagstar Bank, National AssociationFlagstar Bank, National Association121 W Trade St Ste 1150, Charlotte, NC 28202D3.1 ★Texas Ratio: 37.37%Real return: +1.00%APY minus CPI (February 2026) offering 12-MONTH CD at 3.80% APY. CD rates as of September 10, 2026 according to verified data from MonitorBankRates.
Charlotte has 199 local institutions in our database, with CD rates as high as 4.49% APY from ADVANCIAL at 7521 Pineville Matthews Rd, Charlotte, NC 28226. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader North Carolina area. 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 10, 2026
Compare Best CD Rates in Charlotte, North Carolina & the Surrounding Area
Charlotte 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Cecil County School Employees Federal Credit Union
10926 David Taylor Dr Ste 110, Charlotte, NC 28262 1042
3-Month Certificate Special
$500
3.55%
▲ 1.56% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 5, 2026
National Average1.99%▲ 1.56% above avg
Details
Short Term. Quick Savings. New Money Minimum
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
7521 Pineville Matthews Rd, Charlotte, NC 28226
Regular, IRA & Business Jumbo Certificates - 3 months
$0
2.55%
▲ 0.56% above national avg
▼
Rate2.52%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 10, 2026
National Average1.99%▲ 0.56% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6051 Tyvola Glen Cir, Charlotte, NC 28217
3 Month Term
$0
2.50%
▲ 0.51% above national avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▲ 0.51% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6051 Tyvola Glen Cir, Charlotte, NC 28217
Business 3 Month Term
$0
2.50%
▲ 0.51% above national avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▲ 0.51% above avg
Details
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
2830 Boyer St, Charlotte, NC 28208
3 Month Certificate
$500
2.50%
▲ 0.51% above national avg
▼
Rate2.47%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▲ 0.51% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6051 Tyvola Glen Cir, Charlotte, NC 28217
3 Month Term
$0
2.45%
▲ 0.46% above national avg
▼
Rate2.42%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▲ 0.46% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6051 Tyvola Glen Cir, Charlotte, NC 28217
Business 3 Month Term
$0
2.45%
▲ 0.46% above national avg
▼
Rate2.42%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▲ 0.46% above avg
Details
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
7521 Pineville Matthews Rd, Charlotte, NC 28226
Regular, IRA & Business Junior Jumbo Certificates - 3 months
$0
2.45%
▲ 0.46% above national avg
▼
Rate2.42%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 10, 2026
National Average1.99%▲ 0.46% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6051 Tyvola Glen Cir, Charlotte, NC 28217
3 Month Term
$0
2.40%
▲ 0.41% above national avg
▼
Rate2.37%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▲ 0.41% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6051 Tyvola Glen Cir, Charlotte, NC 28217
Business 3 Month Term
$0
2.40%
▲ 0.41% above national avg
▼
Rate2.37%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▲ 0.41% above avg
Details
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
100 Queens Rd, Charlotte, NC 28204
3 Month IRA Certificate
$500
2.40%
▲ 0.41% above national avg
▼
Rate2.37%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average1.99%▲ 0.41% above avg
Details
APY range: 2.40% - 2.60%; RATE range: 2.37% - 2.57%
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6051 Tyvola Glen Cir, Charlotte, NC 28217
3 Month Term
$0
2.34%
▲ 0.35% above national avg
▼
Rate2.32%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▲ 0.35% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6051 Tyvola Glen Cir, Charlotte, NC 28217
Business 3 Month Term
$0
2.34%
▲ 0.35% above national avg
▼
Rate2.32%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▲ 0.35% above avg
Details
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
7521 Pineville Matthews Rd, Charlotte, NC 28226
Regular, IRA & Business Certificates - 3 months
$0
2.34%
▲ 0.35% above national avg
▼
Rate2.32%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 10, 2026
National Average1.99%▲ 0.35% above avg
Details
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
100 Queens Rd, Charlotte, NC 28204
3 Month Certificate
$500
2.30%
▲ 0.31% above national avg
▼
Rate2.27%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average1.99%▲ 0.31% above avg
Details
Rates are variable and subject to change. Certificate rates subject to change without notice, penalty applied for early withdrawal of funds, fees may affect earnings.; APY range: 2.30% - 2.50%; RATE range: 2.27% - 2.47%
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
2000 Continental Blvd, Charlotte, NC 28273
Young Certificates 3 Months
$0
2.15%
▲ 0.16% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average1.99%▲ 0.16% above avg
Details
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
1830 Galleria Blvd, Charlotte, NC 28270
3 Month CD
$500
2.00%
▲ 0.01% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▲ 0.01% above avg
Details
Penalties may be imposed for early withdrawal. Other fees, restrictions, and terms apply.
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
6611 Carmel Road, Charlotte, NC 28226
3 Month
$0
1.00%
▼ 0.99% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▼ 0.99% below avg
Details
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
6611 Carmel Road, Charlotte, NC 28226
3 Month TD Choice CD
$250
1.00%
▼ 0.99% below national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▼ 0.99% below avg
Details
Relationship APY
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
6821 Carnegie Blvd, Charlotte, NC 28211
3 Month CD
$500
0.50%
▼ 1.49% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average1.99%▼ 1.49% below avg
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
3 Month Certificate
$0
3.50%
▲ 1.51% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 10, 2026
National Average1.99%▲ 1.51% above avg
Details
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
3 Month CD
$0
3.00%
▲ 1.01% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▲ 1.01% above avg
Details
Revity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
Jumbo & Jumbo IRA Certificates 3 Month
$0
2.33%
▲ 0.34% above national avg
▼
Rate2.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▲ 0.34% above avg
Details
Revity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
Mini Jumbo & Mini Jumbo IRA Certificate 3 Month
$0
2.33%
▲ 0.34% above national avg
▼
Rate2.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▲ 0.34% above avg
Details
Revity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
Regular & IRA Certificates 3 Month
$0
2.33%
▲ 0.34% above national avg
▼
Rate2.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▲ 0.34% above avg
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
90 Days
$0
2.02%
▲ 0.03% above national avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average1.99%▲ 0.03% above avg
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
90 Days
$0
1.92%
▼ 0.07% below national avg
▼
Rate1.90%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average1.99%▼ 0.07% below avg
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
3 Months
$0
1.25%
▼ 0.74% below national avg
▼
Rate1.24%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▼ 0.74% below avg
Details
A penalty may be charged for early withdrawal. Fees may reduce earnings on the account.
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
3 Month Certificate
$100,000
0.90%
▼ 1.09% below national avg
▼
Rate0.90%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average1.99%▼ 1.09% below avg
Details
Benchmark Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
Premium - 3 Months
$0
0.85%
▼ 1.14% below national avg
▼
Rate0.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average1.99%▼ 1.14% below avg
Details
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
3 Month Certificate
$500
0.85%
▼ 1.14% below national avg
▼
Rate0.85%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average1.99%▼ 1.14% below avg
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
90-Day Certificate
$0
0.80%
▼ 1.19% below national avg
▼
Rate0.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▼ 1.19% below avg
Details
Non-premier member APY: 0.55% | Dividend Rate: 0.55%
Benchmark Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
Regular Time Deposits & IRAs - 3 Months
$0
0.60%
▼ 1.39% below national avg
▼
Rate0.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average1.99%▼ 1.39% below avg
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
90-Day Certificate
$0
0.55%
▼ 1.44% below national avg
▼
Rate0.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▼ 1.44% below avg
Details
Premier Member APY: 0.80% | Dividend Rate: 0.80%
Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
3 Month CD
$500
0.50%
▼ 1.49% below national avg
▼
Rate0.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 6, 2026
National Average1.99%▼ 1.49% below avg
Details
CD Accounts > *Annual Percentage Yield 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%
▼ 1.49% below national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average1.99%▼ 1.49% below avg
Details
Charlotte 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Flagstar Bank, National Association
Institution Rating:
D3.1 ★Texas Ratio: 37.37%
121 W Trade St Ste 1150, Charlotte, NC 28202
6-MONTH CD
$500
3.70%
▲ 1.03% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 1.03% above avg
Details
New Money required. Offer subject to change or cancellation at any time without notice. Limited time offer.
United Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
4777 Sharon Rd, Charlotte, NC 28210
6-month CD
$2,500
3.65%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.98% above avg
Details
Interest earned on your CD will be compounded daily and credited to your certificate of deposit monthly. Subject to early withdrawal penalty. Automatically renews on the maturity date.
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
2830 Boyer St, Charlotte, NC 28208
6 Month Certificate
$500
3.25%
▲ 0.58% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.58% above avg
Details
Balance: $50,000.00 or greater
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
3130 Milton Rd, Charlotte, NC 28215
Share Term Certificates Regular 6 Months
$500
3.20%
▲ 0.53% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.53% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6051 Tyvola Glen Cir, Charlotte, NC 28217
6 Month Term
$0
3.00%
▲ 0.33% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.33% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6051 Tyvola Glen Cir, Charlotte, NC 28217
Business 6 Month Term
$0
3.00%
▲ 0.33% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.33% above avg
Details
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.23%
6502 McMahan Dr, Charlotte, NC 28226
6 Month Term Certificate
$0
3.00%
▲ 0.33% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.33% above avg
Details
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
2830 Boyer St, Charlotte, NC 28208
6 Month Certificate
$500
3.00%
▲ 0.33% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.33% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6051 Tyvola Glen Cir, Charlotte, NC 28217
6 Month Term
$0
2.95%
▲ 0.28% above national avg
▼
Rate2.91%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.28% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6051 Tyvola Glen Cir, Charlotte, NC 28217
Business 6 Month Term
$0
2.95%
▲ 0.28% above national avg
▼
Rate2.91%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.28% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6051 Tyvola Glen Cir, Charlotte, NC 28217
6 Month Term
$0
2.90%
▲ 0.23% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.23% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6051 Tyvola Glen Cir, Charlotte, NC 28217
Business 6 Month Term
$0
2.90%
▲ 0.23% above national avg
▼
Rate2.86%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.23% above avg
Details
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
7521 Pineville Matthews Rd, Charlotte, NC 28226
Regular, IRA & Business Jumbo Certificates - 6 months
$0
2.85%
▲ 0.18% above national avg
▼
Rate2.81%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 10, 2026
National Average2.67%▲ 0.18% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6051 Tyvola Glen Cir, Charlotte, NC 28217
6 Month Term
$0
2.84%
▲ 0.17% above national avg
▼
Rate2.81%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.17% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6051 Tyvola Glen Cir, Charlotte, NC 28217
Business 6 Month Term
$0
2.84%
▲ 0.17% above national avg
▼
Rate2.81%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.17% above avg
Details
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
7521 Pineville Matthews Rd, Charlotte, NC 28226
Regular, IRA & Business Junior Jumbo Certificates - 6 months
$0
2.74%
▲ 0.07% above national avg
▼
Rate2.71%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 10, 2026
National Average2.67%▲ 0.07% above avg
Details
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
2000 Continental Blvd, Charlotte, NC 28273
Young Certificates 6 Months
$0
2.65%
▼ 0.02% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▼ 0.02% below avg
Details
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
7521 Pineville Matthews Rd, Charlotte, NC 28226
Regular, IRA & Business Certificates - 6 months
$0
2.64%
▼ 0.03% below national avg
▼
Rate2.61%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 10, 2026
National Average2.67%▼ 0.03% below avg
Details
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
100 Queens Rd, Charlotte, NC 28204
6 Month IRA Certificate
$500
2.45%
▼ 0.22% below national avg
▼
Rate2.42%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.67%▼ 0.22% below avg
Details
APY range: 2.45% - 2.65%; RATE range: 2.42% - 2.62%
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
100 Queens Rd, Charlotte, NC 28204
6 Month Certificate
$500
2.35%
▼ 0.32% below national avg
▼
Rate2.32%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.67%▼ 0.32% below avg
Details
Rates are variable and subject to change. Certificate rates subject to change without notice, penalty applied for early withdrawal of funds, fees may affect earnings.; APY range: 2.35% - 2.55%; RATE range: 2.32% - 2.52%
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
1830 Galleria Blvd, Charlotte, NC 28270
6 Month CD
$500
2.25%
▼ 0.42% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 0.42% below avg
Details
Penalties may be imposed for early withdrawal. Other fees, restrictions, and terms apply.
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
6821 Carnegie Blvd, Charlotte, NC 28211
6 Month CD
$500
1.75%
▼ 0.92% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 0.92% below avg
Details
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
6611 Carmel Road, Charlotte, NC 28226
6 Month TD Choice CD
$250
1.00%
▼ 1.67% below national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 1.67% below avg
Details
Relationship APY
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
6 Month Certificate
$250
4.00%
▲ 1.33% above national avg
▼
Rate3.93%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.33% above avg
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
6 Month Certificate
$0
3.75%
▲ 1.08% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 10, 2026
National Average2.67%▲ 1.08% above avg
Details
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
IRA Share Certificate (180 Day)
$0
3.70%
▲ 1.03% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.03% above avg
Details
Roxboro Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
6 Month Certificate
$0
3.65%
▲ 0.98% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 0.98% above avg
Details
CAROLINA
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
6 Month CD
$1,000
3.60%
▲ 0.93% above national avg
▼
Rate3.54%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.93% 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%
▲ 0.88% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.88% above avg
Details
TCP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
Share Term Certificate - 6 Month
$250
3.54%
▲ 0.87% above national avg
▼
Rate3.50%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.87% above avg
Details
Fixed Rate
Welcome Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
6 Months
$500
3.50%
▲ 0.83% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.83% 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%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.83% above avg
Details
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
IRA Certificate - 6 Months (Reg/Roth/Educ)
$100,000
3.25%
▲ 0.58% above national avg
▼
Rate3.20%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.67%▲ 0.58% above avg
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
6 Months (182 Days)
$0
3.25%
▲ 0.58% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.58% above avg
Details
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
Certificate - 6 Months
$100,000
3.20%
▲ 0.53% above national avg
▼
Rate3.15%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.67%▲ 0.53% above avg
Details
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
IRA Certificate - 6 Months (Reg/Roth/Educ)
$1,000
3.20%
▲ 0.53% above national avg
▼
Rate3.15%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.67%▲ 0.53% above avg
Details
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
Certificate - 6 Months
$1,000
3.15%
▲ 0.48% above national avg
▼
Rate3.10%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.67%▲ 0.48% above avg
Details
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
6-Month Jumbo Share Certificate
$50,000
3.10%
▲ 0.43% above national avg
▼
Rate3.05%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.43% above avg
Details
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
6-Month Share Certificate
$500
3.10%
▲ 0.43% above national avg
▼
Rate3.05%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.43% above avg
Details
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
6 Months Share Certificate
$500
3.05%
▲ 0.38% above national avg
▼
Rate3.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.38% above avg
Details
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
6 Month CD
$0
3.00%
▲ 0.33% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.33% 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%
▲ 0.33% above national avg
▼
Rate2.96%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.67%▲ 0.33% above avg
Details
Shuford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
6 mo.
$0
3.00%
▲ 0.33% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.33% above avg
Details
WNC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
6-Month Share Certificate
$0
3.00%
▲ 0.33% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.33% above avg
Details
HealthShare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.44%
6-Month Share Certificate
$0
2.78%
▲ 0.11% above national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.11% above avg
Details
Emergency Responders Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
6 Month Certificate
$500
2.75%
▲ 0.08% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.08% above avg
Details
CS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
6 Month Share Certificate
$500
2.75%
▲ 0.08% above national avg
▼
Rate2.72%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.08% above avg
Details
CS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
6-Month IRA Share Certificate
$500
2.75%
▲ 0.08% above national avg
▼
Rate2.72%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.08% above avg
Details
Revity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
Jumbo & Jumbo IRA Certificates 6 Month
$0
2.73%
▲ 0.06% above national avg
▼
Rate2.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.06% above avg
Details
Revity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
Mini Jumbo & Mini Jumbo IRA Certificate 6 Month
$0
2.73%
▲ 0.06% above national avg
▼
Rate2.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.06% above avg
Details
Charlotte 12 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%
11115 S Tryon St, Charlotte, NC 28273
SmartStart 12 Month Certificate
$0
4.16%
▲ 1.32% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.84%▲ 1.32% above avg
Details
Deposits allowed at any time! Fixed rate with guaranteed dividends
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
11115 S Tryon St, Charlotte, NC 28273
12 Month Certificate
$500
4.06%
▲ 1.22% above national avg
▼
Rate4.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.84%▲ 1.22% above avg
Details
Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
11115 S Tryon St, Charlotte, NC 28273
12 Month Certificate
$500
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.84%▲ 0.96% above avg
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
11115 S Tryon St, Charlotte, NC 28273
12 Month SmartStart
$100
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.84%▲ 0.96% above avg
Details
Flagstar Bank, National Association
Institution Rating:
D3.1 ★Texas Ratio: 37.37%
121 W Trade St Ste 1150, Charlotte, NC 28202
12-MONTH CD
$500
3.80%
▲ 0.96% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.96% above avg
Details
New Money required. Offer subject to change or cancellation at any time without notice. Limited time offer.
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
1065 Providence Rd, Charlotte, NC 28207 2568
12 Months
$0
3.72%
▲ 0.88% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.88% above avg
Details
Paramount Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
8305 University Executive Park Dr, Charlotte, NC 28262
CD & IRA - 12 Months
$1,000
3.50%
▲ 0.66% above national avg
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.84%▲ 0.66% above avg
Details
Balance: Quarterly Post or Interest Checks
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.23%
6502 McMahan Dr, Charlotte, NC 28226
12 Month Term Certificate
$0
3.50%
▲ 0.66% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.66% above avg
Details
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
2000 Continental Blvd, Charlotte, NC 28273
Young Certificates 12 Months
$0
3.50%
▲ 0.66% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 0.66% above avg
Details
Sharonview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.85%
7422 Carmel Executive Park Dr Ste 100, Charlotte, NC 28226 0426
12 Month IRA Certificate
$0
3.40%
▲ 0.56% above national avg
▼
Rate3.33%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.84%▲ 0.56% above avg
Details
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
3130 Milton Rd, Charlotte, NC 28215
Share Term Certificates Regular 12 Months
$500
3.40%
▲ 0.56% above national avg
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 0.56% above avg
Details
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
214 N Tryon St, Charlotte, NC 28202
12-month CD
$0
3.25%
▲ 0.41% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▲ 0.41% above avg
Details
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
100 Queens Rd, Charlotte, NC 28204
12 Month IRA Certificate
$500
3.25%
▲ 0.41% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.84%▲ 0.41% above avg
Details
APY range: 3.25% - 3.45%; RATE range: 3.20% - 3.39%
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
2830 Boyer St, Charlotte, NC 28208
12 Month Certificate
$500
3.25%
▲ 0.41% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.41% above avg
Details
Balance: $50,000.00 or greater
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6051 Tyvola Glen Cir, Charlotte, NC 28217
12 Month Term
$0
3.15%
▲ 0.31% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.31% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6051 Tyvola Glen Cir, Charlotte, NC 28217
Business 12 Month Term
$0
3.15%
▲ 0.31% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.31% above avg
Details
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
100 Queens Rd, Charlotte, NC 28204
12 Month Certificate
$500
3.15%
▲ 0.31% above national avg
▼
Rate3.10%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.84%▲ 0.31% above avg
Details
Rates are variable and subject to change. Certificate rates subject to change without notice, penalty applied for early withdrawal of funds, fees may affect earnings.; APY range: 3.15% - 3.35%; RATE range: 3.10% - 3.30%
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
2830 Boyer St, Charlotte, NC 28208
12 Month Certificate
$500
3.15%
▲ 0.31% above national avg
▼
Rate3.10%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.31% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6051 Tyvola Glen Cir, Charlotte, NC 28217
12 Month Term
$0
3.10%
▲ 0.26% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.26% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6051 Tyvola Glen Cir, Charlotte, NC 28217
Business 12 Month Term
$0
3.10%
▲ 0.26% above national avg
▼
Rate3.06%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.26% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6051 Tyvola Glen Cir, Charlotte, NC 28217
12 Month Term
$0
3.05%
▲ 0.21% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.21% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6051 Tyvola Glen Cir, Charlotte, NC 28217
Business 12 Month Term
$0
3.05%
▲ 0.21% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.21% above avg
Details
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
7521 Pineville Matthews Rd, Charlotte, NC 28226
Regular, IRA & Business Jumbo Certificates - 1 year
$0
3.02%
▲ 0.18% above national avg
▼
Rate2.98%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 10, 2026
National Average2.84%▲ 0.18% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6051 Tyvola Glen Cir, Charlotte, NC 28217
12 Month Term
$0
2.99%
▲ 0.15% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.15% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6051 Tyvola Glen Cir, Charlotte, NC 28217
Business 12 Month Term
$0
2.99%
▲ 0.15% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.15% above avg
Details
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
7521 Pineville Matthews Rd, Charlotte, NC 28226
Regular, IRA & Business Junior Jumbo Certificates - 1 year
$0
2.92%
▲ 0.08% above national avg
▼
Rate2.88%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 10, 2026
National Average2.84%▲ 0.08% above avg
Details
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
7521 Pineville Matthews Rd, Charlotte, NC 28226
Dinero Teens Starter Certificate - 1 year
$0
2.82%
▼ 0.02% below national avg
▼
Rate2.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 10, 2026
National Average2.84%▼ 0.02% below avg
Details
1
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
7521 Pineville Matthews Rd, Charlotte, NC 28226
Money Musketeers Starter Certificate - 1 year
$0
2.82%
▼ 0.02% below national avg
▼
Rate2.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 10, 2026
National Average2.84%▼ 0.02% below avg
Details
1
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
7521 Pineville Matthews Rd, Charlotte, NC 28226
Regular, IRA & Business Certificates - 1 year
$0
2.82%
▼ 0.02% below national avg
▼
Rate2.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 10, 2026
National Average2.84%▼ 0.02% below avg
Details
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
1830 Galleria Blvd, Charlotte, NC 28270
1 Year CD
$500
2.00%
▼ 0.84% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▼ 0.84% below avg
Details
Penalties may be imposed for early withdrawal. Other fees, restrictions, and terms apply.
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
6821 Carnegie Blvd, Charlotte, NC 28211
1 Year CD
$500
2.00%
▼ 0.84% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▼ 0.84% below avg
Details
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
6611 Carmel Road, Charlotte, NC 28226
12 Month - Relationship
$0
1.00%
▼ 1.84% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▼ 1.84% below avg
Details
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
6611 Carmel Road, Charlotte, NC 28226
12 Month TD Choice CD
$250
1.00%
▼ 1.84% below national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▼ 1.84% below avg
Details
Relationship APY
Byline Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
2115 Rexford Rd, Charlotte, NC 28211
1 Year Certificate
$0
0.50%
▼ 2.34% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.84%▼ 2.34% below avg
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
12-Month IRA Certificate
$0
4.50%
▲ 1.66% above national avg
▼
Rate4.41%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 1.66% above avg
Details
Non-premier member APY: 4.25% | Dividend Rate: 4.17%
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
12-Month IRA Certificate
$0
4.25%
▲ 1.41% above national avg
▼
Rate4.17%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 1.41% above avg
Details
Premier Member APY: 4.50% | Dividend Rate: 4.41%
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
1 Year Starter Add-On
$0
4.25%
▲ 1.41% above national avg
▼
Rate4.18%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 1.41% above avg
Details
Lions Share Federal Credit Union
Institution Rating:
F1.1 ★Texas Ratio: 15.10%
12-Month IRA CD
$500
4.15%
▲ 1.31% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 1.31% above avg
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
1 Year Add-On
$0
4.10%
▲ 1.26% above national avg
▼
Rate4.04%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 1.26% above avg
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
12 Month Certificate Special
$0
4.00%
▲ 1.16% above national avg
▼
Rate3.92%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 10, 2026
National Average2.84%▲ 1.16% above avg
Details
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
12 Month Certificate
$250
4.00%
▲ 1.16% above national avg
▼
Rate3.93%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 1.16% above avg
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
12 Months
$0
3.87%
▲ 1.03% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.84%▲ 1.03% above avg
Details
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
IRA Share Certificate (12 Month)
$0
3.85%
▲ 1.01% above national avg
▼
Rate3.78%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 1.01% above avg
Details
TCP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
Share Term Certificate - 12 Month
$250
3.80%
▲ 0.96% above national avg
▼
Rate3.75%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 0.96% above avg
Details
Fixed Rate
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
1 Year Certificate
$500
3.76%
▲ 0.92% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.84%▲ 0.92% above avg
Details
Certificates
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
12 Month Certificate
$0
3.76%
▲ 0.92% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.84%▲ 0.92% above avg
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
Traditional IRA Certificate - 12 Months
$0
3.76%
▲ 0.92% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.84%▲ 0.92% above avg
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
12-Month Certificate
$0
3.75%
▲ 0.91% above national avg
▼
Rate3.69%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.91% above avg
Details
Non-premier member APY: 3.50% | Dividend Rate: 3.44%
Emergency Responders Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12 Month Certificate
$500
3.75%
▲ 0.91% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 0.91% above avg
Details
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
12 Month Fixed Rate
$0
3.70%
▲ 0.86% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.86% above avg
Details
Charlotte 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
1065 Providence Rd, Charlotte, NC 28207 2568
18 Months
$0
3.77%
▲ 1.10% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.10% above avg
Details
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
2000 Continental Blvd, Charlotte, NC 28273
Young Certificates 18 Months
$0
3.55%
▲ 0.88% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.88% above avg
Details
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
3130 Milton Rd, Charlotte, NC 28215
Share Term Certificates Regular 18 Months
$500
3.55%
▲ 0.88% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.88% above avg
Details
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.23%
6502 McMahan Dr, Charlotte, NC 28226
18 Month Term Certificate
$0
3.50%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.83% above avg
Details
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
7521 Pineville Matthews Rd, Charlotte, NC 28226
Regular, IRA & Business Jumbo Certificates - 18 months
$0
3.28%
▲ 0.61% above national avg
▼
Rate3.23%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 10, 2026
National Average2.67%▲ 0.61% above avg
Details
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
2830 Boyer St, Charlotte, NC 28208
18 Month Certificate
$500
3.25%
▲ 0.58% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.58% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6051 Tyvola Glen Cir, Charlotte, NC 28217
18 Month Term
$0
3.20%
▲ 0.53% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.53% above avg
Details
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
7521 Pineville Matthews Rd, Charlotte, NC 28226
Regular, IRA & Business Junior Jumbo Certificates - 18 months
$0
3.18%
▲ 0.51% above national avg
▼
Rate3.13%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 10, 2026
National Average2.67%▲ 0.51% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6051 Tyvola Glen Cir, Charlotte, NC 28217
18 Month Term
$0
3.15%
▲ 0.48% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.48% above avg
Details
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
100 Queens Rd, Charlotte, NC 28204
18 Month IRA Certificate
$500
3.15%
▲ 0.48% above national avg
▼
Rate3.10%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.67%▲ 0.48% above avg
Details
APY range: 3.15% - 3.35%; RATE range: 3.10% - 3.30%
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6051 Tyvola Glen Cir, Charlotte, NC 28217
18 Month Term
$0
3.10%
▲ 0.43% above national avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.43% above avg
Details
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
7521 Pineville Matthews Rd, Charlotte, NC 28226
Regular, IRA & Business Certificates - 18 months
$0
3.07%
▲ 0.40% above national avg
▼
Rate3.03%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 10, 2026
National Average2.67%▲ 0.40% above avg
Details
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
100 Queens Rd, Charlotte, NC 28204
18 Month Certificate
$500
3.05%
▲ 0.38% above national avg
▼
Rate3.01%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.67%▲ 0.38% above avg
Details
Rates are variable and subject to change. Certificate rates subject to change without notice, penalty applied for early withdrawal of funds, fees may affect earnings.; APY range: 3.05% - 3.25%; RATE range: 3.01% - 3.20%
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6051 Tyvola Glen Cir, Charlotte, NC 28217
18 Month Term
$0
3.04%
▲ 0.37% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.37% above avg
Details
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
6821 Carnegie Blvd, Charlotte, NC 28211
18 Month CD
$500
1.80%
▼ 0.87% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 0.87% below avg
Details
Paramount Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
8305 University Executive Park Dr, Charlotte, NC 28262
CD & IRA - 18 Months
$1,000
1.80%
▼ 0.87% below national avg
▼
Rate1.78%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▼ 0.87% below avg
Details
Balance: Quarterly Post or Interest Checks
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
6611 Carmel Road, Charlotte, NC 28226
18 Month
$0
1.00%
▼ 1.67% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 1.67% below avg
Details
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
6611 Carmel Road, Charlotte, NC 28226
18 Month TD Choice CD
$250
1.00%
▼ 1.67% below national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 1.67% below avg
Details
Relationship APY
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
18 Month Certificate
$250
4.10%
▲ 1.43% above national avg
▼
Rate4.03%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.43% above avg
Details
Emergency Responders Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
18 Month Certificate
$500
4.00%
▲ 1.33% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.33% above avg
Details
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
IRA Share Certificate (18 Month)
$0
3.90%
▲ 1.23% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.23% above avg
Details
TCP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
Share Term Certificate - 18 Month
$250
3.85%
▲ 1.18% above national avg
▼
Rate3.80%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 1.18% above avg
Details
Fixed Rate
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
18 Months
$0
3.76%
▲ 1.09% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 1.09% above avg
Details
Shuford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
18 mo.
$0
3.75%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 1.08% above avg
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
18 Month Certificate Special
$0
3.75%
▲ 1.08% above national avg
▼
Rate3.68%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 10, 2026
National Average2.67%▲ 1.08% above avg
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
18 Month Certificate
$500
3.66%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 0.99% above avg
Details
Traditional IRA Certificates
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
Traditional IRA Certificate - 18 Months
$0
3.66%
▲ 0.99% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 0.99% above avg
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
18-Month IRA Certificate
$0
3.50%
▲ 0.83% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.83% above avg
Details
Non-premier member APY: 3.25% | Dividend Rate: 3.20%
CS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
18-Month Special Share Certificate
$10,000
3.50%
▲ 0.83% above national avg
▼
Rate3.44%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.83% above avg
Details
Limited time Special rate
Roxboro Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
18 months IRA
$0
3.45%
▲ 0.78% above national avg
▼
Rate3.39%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 0.78% above avg
Details
Lumbee Guaranty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
18 Month Fixed Rate IRA
$0
3.30%
▲ 0.63% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.67%▲ 0.63% above avg
Details
Lumbee Guaranty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
18 Month Variable Rate IRA
$0
3.30%
▲ 0.63% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.67%▲ 0.63% above avg
Details
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
18-Month Share Certificate
$2,000
3.30%
▲ 0.63% above national avg
▼
Rate3.25%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.63% above avg
Details
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
18 Months Share Certificate
$500
3.30%
▲ 0.63% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.63% above avg
Details
Roxboro Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
18 Month Certificate
$0
3.25%
▲ 0.58% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.67%▲ 0.58% above avg
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
18-Month Certificate
$0
3.25%
▲ 0.58% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.58% above avg
Details
Non-premier member APY: 3.00% | Dividend Rate: 2.96%
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
18-Month IRA Certificate
$0
3.25%
▲ 0.58% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.58% above avg
Details
Premier Member APY: 3.50% | Dividend Rate: 3.44%
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
IRA Certificate - 18 Months (Reg/Roth/Educ)
$1,000
3.05%
▲ 0.38% above national avg
▼
Rate3.01%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.67%▲ 0.38% above avg
Details
Telco Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.89%
18 Month Certificate
$0
3.04%
▲ 0.37% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.37% above avg
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
18-Month Business Certificate
$0
3.00%
▲ 0.33% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.33% above avg
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
18-Month Certificate
$0
3.00%
▲ 0.33% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.33% above avg
Details
Premier Member APY: 3.25% | Dividend Rate: 3.20%
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
Certificate - 18 Months
$1,000
3.00%
▲ 0.33% above national avg
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.67%▲ 0.33% above avg
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
18 Month Certificate
$0
3.00%
▲ 0.33% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 10, 2026
National Average2.67%▲ 0.33% above avg
Details
Revity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
Jumbo & Jumbo IRA Certificates 18 Month
$0
2.94%
▲ 0.27% above national avg
▼
Rate2.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.27% above avg
Details
Revity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
Mini Jumbo & Mini Jumbo IRA Certificate 18 Month
$0
2.94%
▲ 0.27% above national avg
▼
Rate2.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.27% above avg
Details
Revity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
Regular & IRA Certificates 18 Month
$0
2.94%
▲ 0.27% above national avg
▼
Rate2.90%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.67%▲ 0.27% above avg
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
18 Month Certificate
$0
2.90%
▲ 0.23% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.23% above avg
Details
Telco Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.89%
IRA Certificate 18 Month
$0
2.78%
▲ 0.11% above national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.67%▲ 0.11% above avg
Details
American Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
18 Month IRA and Share Certificates
$1,000
2.75%
▲ 0.08% above national avg
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.67%▲ 0.08% above avg
Details
Fsnb
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
18 Month Certificate
$500
2.00%
▼ 0.67% below national avg
▼
Rate2.00%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.67%▼ 0.67% below avg
Details
Charlotte 24 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%
11115 S Tryon St, Charlotte, NC 28273
24 Month Certificate
$500
4.11%
▲ 1.40% above national avg
▼
Rate4.05%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.71%▲ 1.40% above avg
Details
Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
11115 S Tryon St, Charlotte, NC 28273
24 Month Certificate
$500
3.85%
▲ 1.14% above national avg
▼
Rate3.80%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.71%▲ 1.14% above avg
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
1065 Providence Rd, Charlotte, NC 28207 2568
24 Months
$0
3.77%
▲ 1.06% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.06% above avg
Details
Flagstar Bank, National Association
Institution Rating:
D3.1 ★Texas Ratio: 37.37%
121 W Trade St Ste 1150, Charlotte, NC 28202
24-MONTH CD
$2,500
3.70%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 0.99% above avg
Details
New Money required. Offer subject to change or cancellation at any time without notice. Limited time offer.
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
100 Queens Rd, Charlotte, NC 28204
2 Year IRA Certificate
$500
3.65%
▲ 0.94% above national avg
▼
Rate3.59%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.71%▲ 0.94% above avg
Details
APY range: 3.65% - 3.85%; RATE range: 3.59% - 3.78%
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
3130 Milton Rd, Charlotte, NC 28215
Share Term Certificates Regular 24 Months
$500
3.65%
▲ 0.94% above national avg
▼
Rate3.65%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 0.94% above avg
Details
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
2000 Continental Blvd, Charlotte, NC 28273
Young Certificates 24 Months
$0
3.60%
▲ 0.89% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 0.89% above avg
Details
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
7521 Pineville Matthews Rd, Charlotte, NC 28226
Regular, IRA & Business Jumbo Certificates - 2 years
$0
3.60%
▲ 0.89% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 10, 2026
National Average2.71%▲ 0.89% above avg
Details
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
100 Queens Rd, Charlotte, NC 28204
2 Year Certificate
$500
3.55%
▲ 0.84% above national avg
▼
Rate3.49%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.71%▲ 0.84% above avg
Details
Rates are variable and subject to change. Certificate rates subject to change without notice, penalty applied for early withdrawal of funds, fees may affect earnings.; APY range: 3.55% - 3.75%; RATE range: 3.49% - 3.68%
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
7521 Pineville Matthews Rd, Charlotte, NC 28226
Regular, IRA & Business Junior Jumbo Certificates - 2 years
$0
3.49%
▲ 0.78% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 10, 2026
National Average2.71%▲ 0.78% above avg
Details
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
7521 Pineville Matthews Rd, Charlotte, NC 28226
Regular, IRA & Business Certificates - 2 years
$0
3.39%
▲ 0.68% above national avg
▼
Rate3.34%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 10, 2026
National Average2.71%▲ 0.68% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6051 Tyvola Glen Cir, Charlotte, NC 28217
24 Month Term
$0
3.25%
▲ 0.54% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.54% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6051 Tyvola Glen Cir, Charlotte, NC 28217
Business 24 Month Term
$0
3.25%
▲ 0.54% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.54% above avg
Details
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
100 Queens Rd, Charlotte, NC 28204
Online 24-Month Certificate
$1,000
3.25%
▲ 0.54% above national avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.71%▲ 0.54% above avg
Details
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
2830 Boyer St, Charlotte, NC 28208
24 Month Certificate
$500
3.25%
▲ 0.54% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.54% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6051 Tyvola Glen Cir, Charlotte, NC 28217
24 Month Term
$0
3.20%
▲ 0.49% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.49% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6051 Tyvola Glen Cir, Charlotte, NC 28217
Business 24 Month Term
$0
3.20%
▲ 0.49% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.49% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6051 Tyvola Glen Cir, Charlotte, NC 28217
24 Month Term
$0
3.15%
▲ 0.44% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.44% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6051 Tyvola Glen Cir, Charlotte, NC 28217
Business 24 Month Term
$0
3.15%
▲ 0.44% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.44% above avg
Details
Sharonview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.85%
7422 Carmel Executive Park Dr Ste 100, Charlotte, NC 28226 0426
24 Month IRA Certificate
$0
3.15%
▲ 0.44% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.71%▲ 0.44% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6051 Tyvola Glen Cir, Charlotte, NC 28217
24 Month Term
$0
3.09%
▲ 0.38% above national avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.38% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6051 Tyvola Glen Cir, Charlotte, NC 28217
Business 24 Month Term
$0
3.09%
▲ 0.38% above national avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.38% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6051 Tyvola Glen Cir, Charlotte, NC 28217
24 Month FLEX (with 1x rate increase option)
$0
3.08%
▲ 0.37% above national avg
▼
Rate3.04%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.37% above avg
Details
with 1x rate increase option
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6051 Tyvola Glen Cir, Charlotte, NC 28217
24 Month FLEX (with 1x rate increase option)
$0
3.03%
▲ 0.32% above national avg
▼
Rate2.99%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.32% above avg
Details
with 1x rate increase option
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6051 Tyvola Glen Cir, Charlotte, NC 28217
24 Month FLEX (with 1x rate increase option)
$0
2.98%
▲ 0.27% above national avg
▼
Rate2.94%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.27% above avg
Details
with 1x rate increase option
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.23%
6502 McMahan Dr, Charlotte, NC 28226
24 Month Term Certificate
$0
2.95%
▲ 0.24% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.24% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6051 Tyvola Glen Cir, Charlotte, NC 28217
24 Month FLEX (with 1x rate increase option)
$0
2.92%
▲ 0.21% above national avg
▼
Rate2.89%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.21% above avg
Details
with 1x rate increase option
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
1830 Galleria Blvd, Charlotte, NC 28270
2 Year CD
$500
2.25%
▼ 0.46% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▼ 0.46% below avg
Details
Penalties may be imposed for early withdrawal. Other fees, restrictions, and terms apply.
Paramount Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
8305 University Executive Park Dr, Charlotte, NC 28262
CD & IRA - 24 Months
$1,000
2.25%
▼ 0.46% below national avg
▼
Rate2.23%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.71%▼ 0.46% below avg
Details
Balance: Quarterly Post or Interest Checks
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
6821 Carnegie Blvd, Charlotte, NC 28211
2 Year CD
$500
1.80%
▼ 0.91% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▼ 0.91% below avg
Details
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
6611 Carmel Road, Charlotte, NC 28226
24 Month
$0
1.00%
▼ 1.71% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▼ 1.71% below avg
Details
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
6611 Carmel Road, Charlotte, NC 28226
24 Month TD Choice CD
$250
1.00%
▼ 1.71% below national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▼ 1.71% below avg
Details
Relationship APY
Byline Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
2115 Rexford Rd, Charlotte, NC 28211
2 Year Certificate
$0
0.70%
▼ 2.01% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▼ 2.01% below avg
Details
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
24-month CD
$1,000
4.25%
▲ 1.54% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.71%▲ 1.54% above avg
Details
Fixed interest rate; Automatic renewal; FDIC insured; No maintenance fees; Online banking access
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
24 Month Certificate
$250
4.25%
▲ 1.54% above national avg
▼
Rate4.17%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.54% above avg
Details
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
24 Month Certificate
$100,000
4.15%
▲ 1.44% above national avg
▼
Rate4.07%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.44% above avg
Details
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
2 Year IRA Certificate
$500
4.00%
▲ 1.29% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.29% above avg
Details
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
24 Month Certificate
$500
4.00%
▲ 1.29% above national avg
▼
Rate3.93%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.29% above avg
Details
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
IRA Share Certificate (24 Month)
$0
3.90%
▲ 1.19% above national avg
▼
Rate3.83%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.19% above avg
Details
TCP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
Share Term Certificate - 24 Month
$250
3.90%
▲ 1.19% above national avg
▼
Rate3.85%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 1.19% above avg
Details
Fixed Rate
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
2 Year Roth Executive
$0
3.80%
▲ 1.09% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.71%▲ 1.09% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Roth Executive 2 Years
$100,000
3.80%
▲ 1.09% above national avg
▼
Rate3.73%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.71%▲ 1.09% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Traditional Executive 2 Years
$100,000
3.80%
▲ 1.09% above national avg
▼
Rate3.73%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.71%▲ 1.09% above avg
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
24 Months
$0
3.76%
▲ 1.05% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.71%▲ 1.05% above avg
Details
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
24 Month Fixed Rate
$0
3.75%
▲ 1.04% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 1.04% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Roth Premier 2 Years
$10,000
3.70%
▲ 0.99% above national avg
▼
Rate3.63%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.71%▲ 0.99% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Traditional Premier 2 Years
$10,000
3.70%
▲ 0.99% above national avg
▼
Rate3.63%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.71%▲ 0.99% above avg
Details
Welcome Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
24 Months
$1,000
3.70%
▲ 0.99% above national avg
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.99% above avg
Details
Welcome Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
IRA Share Certificates 24 Months
$500
3.70%
▲ 0.99% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.99% above avg
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
24 Month Certificate
$0
3.66%
▲ 0.95% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.71%▲ 0.95% above avg
Details
Charlotte 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%
11115 S Tryon St, Charlotte, NC 28273
36 Month Certificate
$500
4.16%
▲ 1.52% above national avg
▼
Rate4.10%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.64%▲ 1.52% above avg
Details
Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
11115 S Tryon St, Charlotte, NC 28273
36 Month Certificate
$500
3.91%
▲ 1.27% above national avg
▼
Rate3.85%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.64%▲ 1.27% above avg
Details
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
7521 Pineville Matthews Rd, Charlotte, NC 28226
Regular, IRA & Business Jumbo Certificates - 3 years
$0
3.91%
▲ 1.27% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 10, 2026
National Average2.64%▲ 1.27% above avg
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
1065 Providence Rd, Charlotte, NC 28207 2568
36 Months
$0
3.82%
▲ 1.18% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 1.18% above avg
Details
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
7521 Pineville Matthews Rd, Charlotte, NC 28226
Regular, IRA & Business Junior Jumbo Certificates - 3 years
$0
3.80%
▲ 1.16% above national avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 10, 2026
National Average2.64%▲ 1.16% above avg
Details
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
3130 Milton Rd, Charlotte, NC 28215
Share Term Certificates Regular 36 Months
$500
3.70%
▲ 1.06% above national avg
▼
Rate3.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.06% above avg
Details
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
7521 Pineville Matthews Rd, Charlotte, NC 28226
Regular, IRA & Business Certificates - 3 years
$0
3.70%
▲ 1.06% above national avg
▼
Rate3.64%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 10, 2026
National Average2.64%▲ 1.06% above avg
Details
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
2000 Continental Blvd, Charlotte, NC 28273
Young Certificates 36 Months
$0
3.65%
▲ 1.01% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.01% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6051 Tyvola Glen Cir, Charlotte, NC 28217
36 Month Term
$0
3.30%
▲ 0.66% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.66% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6051 Tyvola Glen Cir, Charlotte, NC 28217
Business 36 Month Term
$0
3.30%
▲ 0.66% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.66% above avg
Details
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
2830 Boyer St, Charlotte, NC 28208
36 Month Certificate
$500
3.30%
▲ 0.66% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.66% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6051 Tyvola Glen Cir, Charlotte, NC 28217
36 Month Term
$0
3.25%
▲ 0.61% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.61% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6051 Tyvola Glen Cir, Charlotte, NC 28217
Business 36 Month Term
$0
3.25%
▲ 0.61% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.61% above avg
Details
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
100 Queens Rd, Charlotte, NC 28204
3 Year IRA Certificate
$500
3.25%
▲ 0.61% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.64%▲ 0.61% above avg
Details
APY range: 3.25% - 3.45%; RATE range: 3.20% - 3.39%
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6051 Tyvola Glen Cir, Charlotte, NC 28217
36 Month Term
$0
3.19%
▲ 0.55% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.55% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6051 Tyvola Glen Cir, Charlotte, NC 28217
Business 36 Month Term
$0
3.19%
▲ 0.55% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.55% above avg
Details
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
100 Queens Rd, Charlotte, NC 28204
3 Year Certificate
$500
3.15%
▲ 0.51% above national avg
▼
Rate3.10%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.64%▲ 0.51% above avg
Details
Rates are variable and subject to change. Certificate rates subject to change without notice, penalty applied for early withdrawal of funds, fees may affect earnings.; APY range: 3.15% - 3.35%; RATE range: 3.10% - 3.30%
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6051 Tyvola Glen Cir, Charlotte, NC 28217
36 Month Term
$0
3.14%
▲ 0.50% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.50% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6051 Tyvola Glen Cir, Charlotte, NC 28217
Business 36 Month Term
$0
3.14%
▲ 0.50% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.50% above avg
Details
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.23%
6502 McMahan Dr, Charlotte, NC 28226
36 Month Term Certificate
$0
2.85%
▲ 0.21% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.21% above avg
Details
Paramount Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
8305 University Executive Park Dr, Charlotte, NC 28262
CD & IRA - 36 Months
$1,000
2.50%
▼ 0.14% below national avg
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.64%▼ 0.14% below avg
Details
Balance: Quarterly Post or Interest Checks
Sharonview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.85%
7422 Carmel Executive Park Dr Ste 100, Charlotte, NC 28226 0426
36 Month IRA Certificate
$0
2.25%
▼ 0.39% below national avg
▼
Rate2.23%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.64%▼ 0.39% below avg
Details
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
6821 Carnegie Blvd, Charlotte, NC 28211
3 Year CD
$500
1.85%
▼ 0.79% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▼ 0.79% below avg
Details
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
1830 Galleria Blvd, Charlotte, NC 28270
3 Year CD
$500
1.40%
▼ 1.24% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▼ 1.24% below avg
Details
Penalties may be imposed for early withdrawal. Other fees, restrictions, and terms apply.
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
6611 Carmel Road, Charlotte, NC 28226
3 Year
$0
1.00%
▼ 1.64% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▼ 1.64% below avg
Details
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
6611 Carmel Road, Charlotte, NC 28226
3 Year TD Choice CD
$250
1.00%
▼ 1.64% below national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▼ 1.64% below avg
Details
Relationship APY
Byline Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
2115 Rexford Rd, Charlotte, NC 28211
3 Year Certificate
$0
0.75%
▼ 1.89% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.64%▼ 1.89% below avg
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
3 Years Add-On Certificate
$0
4.15%
▲ 1.51% above national avg
▼
Rate4.09%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.51% above avg
Details
Lumbee Guaranty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
36 Month Fixed Rate IRA
$0
3.82%
▲ 1.18% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 6, 2026
National Average2.64%▲ 1.18% above avg
Details
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.02%
IRA Share Certificate (36 Month)
$0
3.80%
▲ 1.16% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 1.16% above avg
Details
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
36 Month Certificate
$250
3.80%
▲ 1.16% above national avg
▼
Rate3.74%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.16% above avg
Details
TCP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
Share Term Certificate - 36 Month
$250
3.64%
▲ 1.00% above national avg
▼
Rate3.60%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 1.00% above avg
Details
Fixed Rate
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
36 Months
$0
3.56%
▲ 0.92% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.64%▲ 0.92% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Roth Executive 3 Years
$100,000
3.55%
▲ 0.91% above national avg
▼
Rate3.48%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.64%▲ 0.91% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Traditional Executive 3 Years
$100,000
3.55%
▲ 0.91% above national avg
▼
Rate3.48%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.64%▲ 0.91% above avg
Details
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
36-Month IRA Certificate
$2,000
3.51%
▲ 0.87% above national avg
▼
Rate3.45%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.87% above avg
Details
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
36-Month Share Certificate
$2,000
3.51%
▲ 0.87% above national avg
▼
Rate3.45%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.87% above avg
Details
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
3 Year Certificate
$0
3.50%
▲ 0.86% above national avg
▼
Rate3.46%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.64%▲ 0.86% above avg
Details
1x Bump Up
Welcome Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
36 Months
$1,000
3.50%
▲ 0.86% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.86% above avg
Details
Welcome Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
IRA Share Certificates 36 Months
$500
3.50%
▲ 0.86% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.86% above avg
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
36 Month Certificate
$500
3.45%
▲ 0.81% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.64%▲ 0.81% above avg
Details
Traditional IRA Certificates
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
Traditional IRA Certificate - 36 Months
$0
3.45%
▲ 0.81% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.64%▲ 0.81% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Roth Premier 3 Years
$10,000
3.45%
▲ 0.81% above national avg
▼
Rate3.39%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.64%▲ 0.81% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Traditional Premier 3 Years
$10,000
3.45%
▲ 0.81% above national avg
▼
Rate3.39%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.64%▲ 0.81% above avg
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
3 Year Certificate
$0
3.35%
▲ 0.71% above national avg
▼
Rate3.31%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 0.71% above avg
Details
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
36 Months Share Certificate
$500
3.30%
▲ 0.66% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 0.66% above avg
Details
CAROLINA
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
3 Year CD
$50,000
3.30%
▲ 0.66% above national avg
▼
Rate3.25%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 0.66% above avg
Details
American Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
36 Month IRA and Share Certificates
$1,000
3.25%
▲ 0.61% above national avg
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.64%▲ 0.61% above avg
Details
Shuford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
36 mo.
$0
3.25%
▲ 0.61% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.61% above avg
Details
Emergency Responders Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
36 Month Certificate
$500
3.25%
▲ 0.61% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 0.61% above avg
Details
Charlotte 48 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%
11115 S Tryon St, Charlotte, NC 28273
48 Month Certificate
$500
4.22%
▲ 1.57% above national avg
▼
Rate4.15%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.65%▲ 1.57% above avg
Details
Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
7521 Pineville Matthews Rd, Charlotte, NC 28226
Regular, IRA & Business Jumbo Certificates - 4 years
$0
4.12%
▲ 1.47% above national avg
▼
Rate4.04%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 10, 2026
National Average2.65%▲ 1.47% above avg
Details
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
7521 Pineville Matthews Rd, Charlotte, NC 28226
Regular, IRA & Business Junior Jumbo Certificates - 4 years
$0
4.01%
▲ 1.36% above national avg
▼
Rate3.94%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 10, 2026
National Average2.65%▲ 1.36% above avg
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
11115 S Tryon St, Charlotte, NC 28273
48 Month Certificate
$500
3.96%
▲ 1.31% above national avg
▼
Rate3.90%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.65%▲ 1.31% above avg
Details
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
7521 Pineville Matthews Rd, Charlotte, NC 28226
Regular, IRA & Business Certificates - 4 years
$0
3.91%
▲ 1.26% above national avg
▼
Rate3.84%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 10, 2026
National Average2.65%▲ 1.26% above avg
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
1065 Providence Rd, Charlotte, NC 28207 2568
48 Months
$0
3.82%
▲ 1.17% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 1.17% above avg
Details
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
2000 Continental Blvd, Charlotte, NC 28273
Young Certificates 48 Months
$0
3.75%
▲ 1.10% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.10% above avg
Details
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
3130 Milton Rd, Charlotte, NC 28215
Share Term Certificates Regular 48 Months
$500
3.73%
▲ 1.08% above national avg
▼
Rate3.73%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.08% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6051 Tyvola Glen Cir, Charlotte, NC 28217
48 Month Term
$0
3.35%
▲ 0.70% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 0.70% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6051 Tyvola Glen Cir, Charlotte, NC 28217
48 Month Term
$0
3.30%
▲ 0.65% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 0.65% above avg
Details
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
100 Queens Rd, Charlotte, NC 28204
4 Year IRA Certificate
$500
3.30%
▲ 0.65% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.65%▲ 0.65% above avg
Details
APY range: 3.30% - 3.50%; RATE range: 3.25% - 3.44%
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
2830 Boyer St, Charlotte, NC 28208
48 Month Certificate
$500
3.30%
▲ 0.65% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 0.65% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6051 Tyvola Glen Cir, Charlotte, NC 28217
48 Month Term
$0
3.25%
▲ 0.60% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 0.60% above avg
Details
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
100 Queens Rd, Charlotte, NC 28204
4 Year Certificate
$500
3.20%
▲ 0.55% above national avg
▼
Rate3.15%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.65%▲ 0.55% above avg
Details
Rates are variable and subject to change. Certificate rates subject to change without notice, penalty applied for early withdrawal of funds, fees may affect earnings.; APY range: 3.20% - 3.40%; RATE range: 3.15% - 3.34%
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6051 Tyvola Glen Cir, Charlotte, NC 28217
48 Month Term
$0
3.19%
▲ 0.54% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 0.54% above avg
Details
Sharonview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.85%
7422 Carmel Executive Park Dr Ste 100, Charlotte, NC 28226 0426
48 Month IRA Certificate
$0
3.00%
▲ 0.35% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.65%▲ 0.35% above avg
Details
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.23%
6502 McMahan Dr, Charlotte, NC 28226
48 Month Term Certificate
$0
2.75%
▲ 0.10% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 0.10% above avg
Details
Paramount Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
8305 University Executive Park Dr, Charlotte, NC 28262
CD & IRA - 48 Months
$1,000
2.55%
▼ 0.10% below national avg
▼
Rate2.52%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.65%▼ 0.10% below avg
Details
Balance: Quarterly Post or Interest Checks
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
6821 Carnegie Blvd, Charlotte, NC 28211
4 Year CD
$500
1.90%
▼ 0.75% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▼ 0.75% below avg
Details
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
1830 Galleria Blvd, Charlotte, NC 28270
4 Year CD
$500
1.15%
▼ 1.50% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▼ 1.50% below avg
Details
Penalties may be imposed for early withdrawal. Other fees, restrictions, and terms apply.
Byline Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
2115 Rexford Rd, Charlotte, NC 28211
4 Year Certificate
$0
1.00%
▼ 1.65% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▼ 1.65% below avg
Details
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
48 Month Certificate
$250
3.90%
▲ 1.25% above national avg
▼
Rate3.83%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 1.25% 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%
▲ 0.85% above national avg
▼
Rate3.45%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.65%▲ 0.85% above avg
Details
Welcome Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
48 Months
$1,000
3.50%
▲ 0.85% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 0.85% above avg
Details
Welcome Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
IRA Share Certificates 48 Months
$500
3.50%
▲ 0.85% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 0.85% above avg
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
48 Months
$0
3.30%
▲ 0.65% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.65%▲ 0.65% above avg
Details
TCP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
Share Term Certificate - 48 Month
$250
3.23%
▲ 0.58% above national avg
▼
Rate3.20%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▲ 0.58% above avg
Details
Fixed Rate
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
48 Month Certificate
$0
3.20%
▲ 0.55% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.65%▲ 0.55% above avg
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
Traditional IRA Certificate - 48 Months
$0
3.20%
▲ 0.55% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.65%▲ 0.55% above avg
Details
Revity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
Jumbo & Jumbo IRA Certificates 48 Month
$0
3.09%
▲ 0.44% above national avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 0.44% above avg
Details
Revity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
Mini Jumbo & Mini Jumbo IRA Certificate 48 Month
$0
3.09%
▲ 0.44% above national avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 0.44% above avg
Details
Revity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
Regular & IRA Certificates 48 Month
$0
3.09%
▲ 0.44% above national avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 0.44% above avg
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
48-Month Certificate
$0
3.00%
▲ 0.35% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 0.35% above avg
Details
Non-premier member APY: 2.75% | Dividend Rate: 2.72%
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
48-Month IRA Certificate
$0
3.00%
▲ 0.35% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 0.35% above avg
Details
Non-premier member APY: 2.75% | Dividend Rate: 2.72%
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
4 Year Certificate
$0
2.90%
▲ 0.25% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.65%▲ 0.25% above avg
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
48-Month Business Certificate
$0
2.75%
▲ 0.10% above national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 0.10% above avg
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
48-Month Certificate
$0
2.75%
▲ 0.10% above national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 0.10% above avg
Details
Premier Member APY: 3.00% | Dividend Rate: 2.96%
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
48-Month IRA Certificate
$0
2.75%
▲ 0.10% above national avg
▼
Rate2.72%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▲ 0.10% above avg
Details
Premier Member APY: 3.00% | Dividend Rate: 2.96%
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
4 Year Certificate
$0
2.52%
▼ 0.13% below national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.65%▼ 0.13% below avg
Details
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
4 Year CD
$0
2.50%
▼ 0.15% below national avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▼ 0.15% below avg
Details
Benchmark Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
Premium - 48 Months
$0
2.50%
▼ 0.15% below national avg
▼
Rate2.48%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.65%▼ 0.15% below avg
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
48 Month Certificate
$0
2.30%
▼ 0.35% below national avg
▼
Rate2.27%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 10, 2026
National Average2.65%▼ 0.35% below avg
Details
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
4 Year Certificate
$100,000
2.10%
▼ 0.55% below national avg
▼
Rate2.08%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▼ 0.55% below avg
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
48 Months
$0
2.05%
▼ 0.60% below national avg
▼
Rate2.03%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.65%▼ 0.60% below avg
Details
A penalty may be charged for early withdrawal. Fees may reduce earnings on the account.
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
4 Year Certificate
$500
2.05%
▼ 0.60% below national avg
▼
Rate2.03%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▼ 0.60% below avg
Details
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
4 Year IRA Certificate
$500
2.05%
▼ 0.60% below national avg
▼
Rate2.03%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▼ 0.60% below avg
Details
Telco Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.89%
48 Month Certificate
$0
2.02%
▼ 0.63% below national avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▼ 0.63% below avg
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
48 Month Certificate
$0
1.80%
▼ 0.85% below national avg
▼
Rate1.78%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 10, 2026
National Average2.65%▼ 0.85% below avg
Details
Telco Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.89%
IRA Certificate 48 Month
$0
1.76%
▼ 0.89% below national avg
▼
Rate1.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.65%▼ 0.89% below avg
Details
Benchmark Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
Regular Time Deposits & IRAs - 48 Months
$0
1.75%
▼ 0.90% below national avg
▼
Rate1.74%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 8, 2026
National Average2.65%▼ 0.90% below avg
Details
Charlotte 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%
7521 Pineville Matthews Rd, Charlotte, NC 28226
Regular, IRA & Business Jumbo Certificates - 5 years
$0
4.49%
▲ 1.74% above national avg
▼
Rate4.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 10, 2026
National Average2.75%▲ 1.74% above avg
Details
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
7521 Pineville Matthews Rd, Charlotte, NC 28226
Regular, IRA & Business Junior Jumbo Certificates - 5 years
$0
4.39%
▲ 1.64% above national avg
▼
Rate4.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 10, 2026
National Average2.75%▲ 1.64% above avg
Details
ADVANCIAL
Institution Rating:
A5.0 ★Texas Ratio: 10.42%
7521 Pineville Matthews Rd, Charlotte, NC 28226
Regular, IRA & Business Certificates - 5 years
$0
4.28%
▲ 1.53% above national avg
▼
Rate4.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 10, 2026
National Average2.75%▲ 1.53% above avg
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
11115 S Tryon St, Charlotte, NC 28273
60 Month Certificate
$500
4.27%
▲ 1.52% above national avg
▼
Rate4.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.75%▲ 1.52% above avg
Details
Dividends Compounded & Credited: Quarterly; Dividend Period: Quarterly
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
11115 S Tryon St, Charlotte, NC 28273
60 Month Certificate
$500
4.01%
▲ 1.26% above national avg
▼
Rate3.95%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.75%▲ 1.26% above avg
Details
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
2000 Continental Blvd, Charlotte, NC 28273
Young Certificates 60 Months
$0
3.90%
▲ 1.15% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 1.15% above avg
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
1065 Providence Rd, Charlotte, NC 28207 2568
60 Months
$0
3.82%
▲ 1.07% above national avg
▼
Rate3.75%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 1.07% above avg
Details
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
3130 Milton Rd, Charlotte, NC 28215
Share Term Certificates Regular 60 Months
$500
3.75%
▲ 1.00% above national avg
▼
Rate3.75%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 1.00% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6051 Tyvola Glen Cir, Charlotte, NC 28217
60 Month Term
$0
3.40%
▲ 0.65% above national avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.65% above avg
Details
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6051 Tyvola Glen Cir, Charlotte, NC 28217
60 Month Term
$0
3.35%
▲ 0.60% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.60% above avg
Details
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
100 Queens Rd, Charlotte, NC 28204
5 Year IRA Certificate
$500
3.35%
▲ 0.60% above national avg
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.75%▲ 0.60% above avg
Details
APY range: 3.35% - 3.55%; RATE range: 3.30% - 3.49%
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6051 Tyvola Glen Cir, Charlotte, NC 28217
60 Month Term
$0
3.30%
▲ 0.55% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.55% above avg
Details
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
2830 Boyer St, Charlotte, NC 28208
60 Month Certificate
$500
3.30%
▲ 0.55% above national avg
▼
Rate3.25%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.55% above avg
Details
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
100 Queens Rd, Charlotte, NC 28204
5 Year Certificate
$500
3.25%
▲ 0.50% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.75%▲ 0.50% above avg
Details
Rates are variable and subject to change. Certificate rates subject to change without notice, penalty applied for early withdrawal of funds, fees may affect earnings.; APY range: 3.25% - 3.45%; RATE range: 3.20% - 3.39%
Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
6051 Tyvola Glen Cir, Charlotte, NC 28217
60 Month Term
$0
3.24%
▲ 0.49% above national avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.49% above avg
Details
Sharonview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.85%
7422 Carmel Executive Park Dr Ste 100, Charlotte, NC 28226 0426
60 Month IRA Certificate
$0
3.10%
▲ 0.35% above national avg
▼
Rate3.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.75%▲ 0.35% above avg
Details
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.23%
6502 McMahan Dr, Charlotte, NC 28226
60 Month Term Certificate
$0
2.25%
▼ 0.50% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▼ 0.50% below avg
Details
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
6821 Carnegie Blvd, Charlotte, NC 28211
5 Year CD
$500
1.90%
▼ 0.85% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▼ 0.85% below avg
Details
Paramount Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
8305 University Executive Park Dr, Charlotte, NC 28262
CD & IRA - 60 Months
$1,000
1.70%
▼ 1.05% below national avg
▼
Rate1.69%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.75%▼ 1.05% below avg
Details
Balance: Quarterly Post or Interest Checks
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
1830 Galleria Blvd, Charlotte, NC 28270
5 Year CD
$500
1.25%
▼ 1.50% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▼ 1.50% below avg
Details
Penalties may be imposed for early withdrawal. Other fees, restrictions, and terms apply.
Byline Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
2115 Rexford Rd, Charlotte, NC 28211
5 Year Certificate
$0
1.25%
▼ 1.50% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▼ 1.50% below avg
Details
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
6611 Carmel Road, Charlotte, NC 28226
5 Year
$0
1.00%
▼ 1.75% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▼ 1.75% below avg
Details
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
6611 Carmel Road, Charlotte, NC 28226
5 Year TD Choice CD
$250
1.00%
▼ 1.75% below national avg
▼
Rate—
Min Deposit$250
Min Balance—
Verified and UpdatedSep 9, 2026
National Average2.75%▼ 1.75% below avg
Details
Relationship APY
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
60 Month Certificate
$250
4.15%
▲ 1.40% above national avg
▼
Rate4.07%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 1.40% above avg
Details
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.06%
60 Month Fixed Rate
$0
3.85%
▲ 1.10% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 1.10% 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%
▲ 1.00% above national avg
▼
Rate3.69%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.75%▲ 1.00% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Roth Executive 5 Years
$100,000
3.60%
▲ 0.85% above national avg
▼
Rate3.53%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.75%▲ 0.85% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Traditional Executive 5 Years
$100,000
3.60%
▲ 0.85% above national avg
▼
Rate3.53%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.75%▲ 0.85% above avg
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
5 Year IRA Certificate
$0
3.60%
▲ 0.85% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 0.85% above avg
Details
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
60-Month IRA Certificate
$2,000
3.51%
▲ 0.76% above national avg
▼
Rate3.45%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.76% above avg
Details
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
60-Month Share Certificate
$2,000
3.51%
▲ 0.76% above national avg
▼
Rate3.45%
Min Deposit$2,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.76% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Roth Premier 5 Years
$10,000
3.50%
▲ 0.75% above national avg
▼
Rate3.44%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.75%▲ 0.75% above avg
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Traditional Premier 5 Years
$10,000
3.50%
▲ 0.75% above national avg
▼
Rate3.44%
Min Deposit$10,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.75%▲ 0.75% above avg
Details
Welcome Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
60 Months
$1,000
3.50%
▲ 0.75% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.75% above avg
Details
Welcome Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
IRA Share Certificates 60 Months
$500
3.50%
▲ 0.75% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.75% above avg
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
5 Year Certificate
$0
3.45%
▲ 0.70% above national avg
▼
Rate3.41%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 0.70% above avg
Details
TCP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
Share Term Certificate - 60 Month
$250
3.34%
▲ 0.59% above national avg
▼
Rate3.30%
Min Deposit$250
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 0.59% above avg
Details
Fixed Rate
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
60 Months
$0
3.30%
▲ 0.55% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.75%▲ 0.55% above avg
Details
Ukrainian Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
5 Year Certificate
$0
3.29%
▲ 0.54% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.75%▲ 0.54% above avg
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
60 Month Certificate
$0
3.20%
▲ 0.45% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.75%▲ 0.45% above avg
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
Traditional IRA Certificate - 60 Months
$0
3.20%
▲ 0.45% above national avg
▼
Rate3.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.75%▲ 0.45% above avg
Details
CAROLINA
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
5 Year CD
$50,000
3.20%
▲ 0.45% above national avg
▼
Rate3.15%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 0.45% above avg
Details
Revity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
Jumbo & Jumbo IRA Certificates 60 Month
$0
3.15%
▲ 0.40% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.40% above avg
Details
Revity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
Mini Jumbo & Mini Jumbo IRA Certificate 60 Month
$0
3.15%
▲ 0.40% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.40% above avg
Details
Revity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
Regular & IRA Certificates 60 Month
$0
3.15%
▲ 0.40% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.40% above avg
Details
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
IRA Certificate - 60 Months (Reg/Roth/Educ)
$100,000
3.10%
▲ 0.35% above national avg
▼
Rate3.06%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.75%▲ 0.35% above avg
Details
CAROLINA
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
5 Year CD
$1,000
3.10%
▲ 0.35% above national avg
▼
Rate3.06%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 0.35% above avg
Details
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
Certificate - 60 Months
$100,000
3.05%
▲ 0.30% above national avg
▼
Rate3.01%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.75%▲ 0.30% above avg
Details
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
IRA Certificate - 60 Months (Reg/Roth/Educ)
$1,000
3.05%
▲ 0.30% above national avg
▼
Rate3.01%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 4, 2026
National Average2.75%▲ 0.30% above avg
Details
Roxboro Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
60 Month Certificate
$0
3.00%
▲ 0.25% above national avg
▼
Rate2.96%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 5, 2026
National Average2.75%▲ 0.25% above avg
Details
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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.
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Charlotte, NC CD Rate Trends
Compare local Charlotte, 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
2.840%
▲ 0.660 vs 7 days ago
North Carolina 12-month CD rates rose 0.660 points over the past 7 days to 2.840% APY.
6-Month CD NC Avg
2.669%
▲ 1.315 vs 7 days ago
North Carolina 6-month CD rates rose 1.315 points over the past 7 days to 2.669% APY.
As of Sep 10, 2026 • Rate data sourced from 8,500+ monitored institutions
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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
2.840%
6-Month Forecast
2.840%
Range: 2.64% – 2.99%
12-Month Forecast
3.090%
Range: 2.89% – 3.24%
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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 | 1.993% | $99.65 | $199.29 | $498.22 | $996.45 |
| 6-Month CD | 2.669% | $133.45 | $266.90 | $667.25 | $1,334.50 |
| 12-Month CD | 2.840% | $142.01 | $284.02 | $710.05 | $1,420.10 |
| 18-Month CD | 2.673% | $133.67 | $267.34 | $668.35 | $1,336.70 |
| 24-Month CD | 2.712% | $135.61 | $271.23 | $678.07 | $1,356.15 |
| 36-Month CD | 2.640% | $132.02 | $264.03 | $660.07 | $1,320.15 |
| 48-Month CD | 2.652% | $132.61 | $265.23 | $663.07 | $1,326.15 |
| 60-Month CD | 2.747% | $137.35 | $274.69 | $686.73 | $1,373.45 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 10, 2026. | |||||
Sample CD Ladder for Charlotte, 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 | 1.993% | $99.65 |
| 2 | 6-Month CD | $5,000 | 2.669% | $133.45 |
| 3 | 12-Month CD | $5,000 | 2.840% | $142.01 |
| 4 | 24-Month CD | $5,000 | 2.712% | $135.61 |
| 5 | 36-Month CD | $5,000 | 2.640% | $132.02 |
| Total ($25,000 invested) | $25,000 | 2.571% blended | $642.74/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.
445
CD Rates
Tracked in Charlotte, North Carolina
Tracked in Charlotte, North Carolina
21 Banks
37 Credit Unions
About Our Charlotte, North Carolina CD Rate Database
MonitorBankRates tracks 445 CD rates from 21 banks and 37 credit unions with locations in Charlotte, 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: ADVANCIAL offers a CD at 4.49% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Charlotte, North Carolina.
How to Find the Best CD Rates in Charlotte, North Carolina
What to compare when shopping for a CD in Charlotte, North Carolina
To find the best APYs in Charlotte, North Carolina, start with credit unions and online-only banks: Charlotte, North Carolina has 37 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 Charlotte, 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 Charlotte, North Carolina: 58 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Charlotte, 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 Charlotte, North Carolina money market rates
Charlotte, North Carolina Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
11.0%
National avg: 17.3%
Median Individual Earnings
$47,587
National avg: $47,340
Poverty Rate
11.7%
National avg: 11.1%
Unemployment Rate
4.6%
National avg: 4.8%
CD Earnings on 10% of Salary
$135/yr
At NC 12-mo avg 2.840% APY
11.0% of residents are 65 or older, below the national average of 17.3%. At today’s NC 12-month CD average of 2.840%, saving 10% of the local median salary ($4,758/year) and putting it in a CD would earn an additional $135 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 Charlotte, 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 Charlotte, 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 Charlotte, 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 Charlotte, North Carolina as everywhere in the U.S.
Choosing a CD Term in Charlotte, 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 Charlotte, North Carolina savers easier access to their funds. For example, Flagstar Bank, National Association is offering its 6-MONTH CD at 3.70% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, ADVANCIAL is offering its Regular, IRA & Business Jumbo Certificates - 5 years 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 Charlotte, 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 Charlotte, 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 Charlotte, 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 Charlotte, 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 Charlotte, North Carolina
Most CDs carry a fixed rate that is locked for the entire term, protecting a Charlotte, 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 Charlotte, North Carolina
Are CD rates in Charlotte, North Carolina FDIC insured?
Yes, most established banks in Charlotte, 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 Charlotte, 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 Charlotte, 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 Charlotte, 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 Charlotte, North Carolina?
Here are recent top rates found for this area:
- ADVANCIAL: 4.49% APY (Regular, IRA & Business Jumbo Certificates - 5 years)
- Founders Federal Credit Union: 4.27% APY (60 Month Certificate)
- Blue Flame Credit Union Charlotte, NC: 3.90% APY (Young Certificates 60 Months)
- Self-Help Credit Union: 3.82% APY (36 Months)
- Flagstar Bank, National Association: 3.80% APY (12-MONTH CD)
- Latino Community Credit Union: 3.75% APY (Share Term Certificates Regular 60 Months)
- United Community Bank: 3.65% APY (6-month CD)
- Allegacy Federal Credit Union: 3.65% APY (2 Year IRA Certificate)
- Cecil County School Employees Federal Credit Union: 3.55% APY (3-Month Certificate Special)
- Paramount Bank: 3.50% APY (CD & IRA - 12 Months)
Rates reflect recent verified offers available in Charlotte, North Carolina. Last Updated: September 10, 2026
Charlotte, 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 Charlotte, 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 Charlotte, North Carolina
Charlotte, North Carolina CD Calculator
At today’s NC top rate of 4.49% APY, a $10,000 deposit earns $449 in the first year. Enter your amount to see your exact return.
Charlotte, North Carolina CD LadderNC CD rates currently range from 1.993% (3-month) to 2.640% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Charlotte, North Carolina CD at 4.49% 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 2.840% 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 Charlotte, 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 Charlotte, 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 Charlotte, 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 10, 2026
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