Godwin, North Carolina CD Rates Today - Compare Best APYs for May 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Godwin, North Carolina CD rates include Fort Financial Federal Credit UnionFort Financial Federal Credit UnionA+5.0 ★Texas Ratio: 3.12%Real return: +1.70%APY minus CPI (February 2026) offering 12-Month IRA Certificate (Premier Member) at 4.50% APY, ADVANCIALADVANCIALA+5.0 ★Texas Ratio: 0.31%Real return: +1.54%APY minus CPI (February 2026) offering Jumbo, 5 Year Term Certificates at 4.34% APY, U S POSTAL SERVICEU S POSTAL SERVICEA+5.0 ★Texas Ratio: 2.27%Real return: +1.45%APY minus CPI (February 2026) offering IRA Certificates 1 Year Starter Add-On at 4.25% APY, Founders Federal Credit UnionFounders Federal Credit UnionA+5.0 ★Texas Ratio: 4.65%Real return: +1.42%APY minus CPI (February 2026) offering 60 Month Fixed Rate IRA Certificates at 4.22% APY, and ElecTel Cooperative Federal Credit UnionElecTel Cooperative Federal Credit UnionA+5.0 ★Texas Ratio: 1.21%Real return: +1.35%APY minus CPI (February 2026) offering IRA Share Certificate (18 Month) at 4.15% APY. CD rates as of May 12, 2026 according to verified data from MonitorBankRates.
Godwin is a smaller community with no bank or credit union branches currently in our database. 500 institutions serving the North Carolina area are available to Godwin residents, with CD rates as high as 4.50% APY from Fort Financial Federal Credit Union. Rates are continually updated — 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: May 12, 2026
Compare Best CD Rates in Godwin, North Carolina & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Cecil County School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.43%
3-Month Certificate Special
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
New Money Minimum
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
3 Month Certificate
$500
2.50%
▼
Rate2.47%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
IRA Certificate 3 Month
$500
2.40%
▼
Rate2.37%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
3 Month Certificate
$500
2.30%
▼
Rate2.27%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
IRA Certificates 3 Months
$0
2.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
Young Certificates 3 Months
$500
2.15%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
Standard Personal Share Certificates 90 Days
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
Standard Personal Share Certificates 90 Days
$0
1.92%
▼
Rate1.90%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Rate—
Min Deposit$250
Min Balance—
UpdatedMay 4, 2026
Details
Relationship APY
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
Short-Term Certificates 3 Months
$0
0.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
Certificate IRAs 3 Months
$0
0.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
3
Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
Share Certificates 3 Month
$100,000
0.90%
▼
Rate0.90%
Min Deposit$100,000
Min Balance—
UpdatedMay 12, 2026
Details
Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
Share Certificates 3 Month
$500
0.85%
▼
Rate0.85%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Benchmark Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
Regular Time Deposits & IRAs* 3 Months
$0
0.85%
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Premium
Benchmark Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
Regular Time Deposits & IRAs* 3 Months
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
3-month term Standard CDs
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
Business Edge - 90 Day Certificate
$1,000
0.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
3-month term Regular CDs
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate Relationship
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Early withdrawal penalties may apply
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Early withdrawal penalties may apply
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate CD
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
IRA Certificate Accounts 6 month
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
Share Certificate Accounts 6 month
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Rate3.74%
Min Deposit$250
Min Balance—
UpdatedMay 12, 2026
Details
Rate3.74%
Min Deposit$250
Min Balance—
UpdatedMay 12, 2026
Details
First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★Texas Ratio: 61.44%
Share Certificates 6 Months
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
IRA Share Certificate (180 Day)
$500
3.80%
▼
Rate3.73%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
Share Certificate (180 Day)
$500
3.80%
▼
Rate3.73%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Riverside Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Certificate
$1,000
3.61%
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
($1,000 minimum)
Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
6 Months Certificates
$500
3.60%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Roxboro Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
6 Months Certificates of Deposit (CDs)
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Roxboro Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
Certificates of Deposit (CDs) 6 Months
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
6 Months
$500
3.56%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Share Certificate 6 Months
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
6-mo. Share Certificate
$1,000
3.55%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.49%
6 Months Share Certificate
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
6-mo. Share Certificate
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
Certificate or IRA 6 Months
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
Share Term Certificates Regular 6 Months
$500
3.35%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
6 Month Certificate
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
IRA Certificate - 6 Months (Reg/Roth/Educ)
$100,000
3.25%
▼
Rate3.20%
Min Deposit$100,000
Min Balance—
UpdatedMay 7, 2026
Details
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
Certificate - 6 Months
$100,000
3.20%
▼
Rate3.15%
Min Deposit$100,000
Min Balance—
UpdatedMay 7, 2026
Details
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
IRA Certificate - 6 Months (Reg/Roth/Educ)
$1,000
3.20%
▼
Rate3.15%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
Certificate - 6 Months
$1,000
3.15%
▼
Rate3.10%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
6-Month Jumbo Share Certificate
$50,000
3.10%
▼
Rate3.05%
Min Deposit$50,000
Min Balance—
UpdatedMay 10, 2026
Details
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
6-Month Share Certificate
$500
3.10%
▼
Rate3.05%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
6 Month Certificate
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
WNC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
6-Month Share Certificate
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
6 Month Term Certificate
$500
3.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
HealthShare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
6-Month Share Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
CS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
6-Month IRA Share Certificate
$500
2.75%
▼
Rate2.72%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Minimum Initial Deposit of $500
CS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
6 Month Share Certificate
$500
2.75%
▼
Rate2.72%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Minimum Initial Deposit of $500
Emergency Responders Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.88%
6 Months Certificates of Deposit
$500
2.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
IRA Certificates 6 Months
$0
2.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
Young Certificates 6 Months
$500
2.65%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Telco Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.49%
6 Months Certificate
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
URW Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.37%
6 Month Share Certificates (Share & IRA)
$1,000
2.53%
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
IRA Certificate 6 Month
$500
2.45%
▼
Rate2.42%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
6 Month Certificate
$500
2.35%
▼
Rate2.32%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
Standard Personal Share Certificates 180 Days
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
Standard Personal Share Certificates 180 Days
$0
1.92%
▼
Rate1.90%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
Certificate IRAs 6 Months
$0
1.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
3
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
Short-Term Certificates 6 Months
$0
1.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Benchmark Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
Regular Time Deposits & IRAs* 6 Months
$0
1.80%
▼
Rate1.79%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Premium
American Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
6 Month IRA and Share Certificates
$500
1.75%
▼
Rate1.74%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
12-Month IRA Certificate (Premier Member)
$0
4.50%
▼
Rate4.41%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
12-Month IRA Certificate (Non-premier member)
$0
4.25%
▼
Rate4.17%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
IRA Certificates 1 Year Starter Add-On
$0
4.25%
▼
Rate4.18%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
1 Year Add-On Certificate
$0
4.10%
▼
Rate4.04%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
1 Year Add-On Starter Certificate
$0
4.10%
▼
Rate4.04%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
12 Months
$500
4.07%
▼
Rate4.00%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Share Certificate 12 Months
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
IRA Share Certificate (12 Month)
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
Share Certificate (12 Month)
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Rate3.83%
Min Deposit$250
Min Balance—
UpdatedMay 12, 2026
Details
Rate3.83%
Min Deposit$250
Min Balance—
UpdatedMay 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.49%
12 Months Share Certificate
$1,000
3.90%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
Standard Personal Share Certificates 12 Months
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
Traditional IRA Certificates 12 Months
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
12 Month Fixed Rate IRA Certificates
$500
3.80%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
Standard Personal Share Certificates 12 Months
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
Traditional IRA Certificates 12 Months
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Fort Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
12-month CD
$25,000
3.75%
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 7, 2026
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Regular Certificates 12 Month Special
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
12-Month Certificate (Premier Member)
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1-Year Certificate
$0
3.72%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
1-year Certificate
$0
3.72%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
12 Months IRA Certificates
$0
3.72%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
12 Month SmartStart
$100
3.70%
▼
Rate3.65%
Min Deposit$100
Min Balance—
UpdatedMay 7, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Annual Percentage Yield (APY) effective 03/25/2026 is subject to change at any time and is based on interest compounding quarterly. This is a limited time offer and can be withdrawn at any time without notice. Interest rates are fixed for the term of the Certificate of Deposit. A penalty is imposed for early withdrawal which would reduce earnings on your account. For more information on insurance coverage visit www.fdic.gov. Member FDIC
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
IRA Certificates 1 Year
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
URW Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.37%
1 Year Share Certificates (Share & IRA)
$1,000
3.60%
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★Texas Ratio: 61.44%
Share Certificates 12 Months
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
12 Month Certificate
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
Share Term Certificates Regular 12 Months
$500
3.55%
▼
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
Young Certificates 12 Months
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
12-Month Certificate (Non-premier member)
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
12-Month Business Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
12 Months Certificates
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
IRA Share Certificates 12 Months
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
IRA Certificates 12 Months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
12 Month Term Certificate
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
12 Month CD
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
($50,000 minimum)
Paramount Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.91%
CD & IRA - 12 Months
$1,000
3.50%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Quarterly Post or Interest Checks<sup>2</sup>
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
($1,000 minimum)
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
Certificate or IRA 12 Months
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
IRA Certificate Accounts 12 month
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
Share Certificate Accounts 12 month
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
12 Months Share Certificates/CDs
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
1 Year Share Certificates
$0
3.35%
▼
Rate3.31%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
Short-Term Certificates 12 Months
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
12 Month Fixed Rate
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
Certificate IRAs 12 Months
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
3
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
IRA Share Certificate (18 Month)
$500
4.15%
▼
Rate4.07%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
Share Certificate (18 Month)
$500
4.15%
▼
Rate4.07%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Emergency Responders Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.88%
18 Months Certificates of Deposit
$500
4.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Rate3.83%
Min Deposit$250
Min Balance—
UpdatedMay 12, 2026
Details
Rate3.83%
Min Deposit$250
Min Balance—
UpdatedMay 12, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
18 Months IRA Certificates
$0
3.77%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
Standard Personal Share Certificates 18 Months
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
Traditional IRA Certificates 18 Months
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.49%
18 Months Share Certificate
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Corporate America Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
18-Month Share Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Save more when you move at least $500 from another financial institution.
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
Standard Personal Share Certificates 18 Months
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
Traditional IRA Certificates 18 Months
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
Share Term Certificates Regular 18 Months
$500
3.60%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
IRA Certificates 18 Months
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
Young Certificates 18 Months
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
18 Month Term Certificate
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
CS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
18-Month Special Share Certificate
$10,000
3.50%
▼
Rate3.44%
Min Deposit$10,000
Min Balance—
UpdatedMay 10, 2026
Details
Limited time Special rate; Minimum Initial Deposit of $10,000
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Regular Certificates 18 Month Special
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
18-Month IRA Certificate (Premier Member)
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
Certificate or IRA 18 Months
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
Student 18 Months
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Roxboro Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
Individual Retirement Accounts (IRAs) 18 months
$0
3.45%
▼
Rate3.39%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
18 Months
$500
3.35%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Share Certificate 18 Months
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
Long-Term Certificates 18 Months
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
18-month term CD Specials
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
IRA CD Specials 18-month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
Certificate IRAs 18 Months
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
3
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
18-Month Share Certificate
$2,000
3.30%
▼
Rate3.25%
Min Deposit$2,000
Min Balance—
UpdatedMay 10, 2026
Details
Lumbee Guaranty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
Individual Retirement Account (IRA) Certificate of Deposit* 18 Month Variable Rate IRA
$100
3.30%
▼
Rate3.25%
Min Deposit$100
Min Balance—
UpdatedMay 5, 2026
Details
Lumbee Guaranty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
Individual Retirement Account (IRA) Certificate of Deposit* 18 Month Fixed Rate IRA
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
18 Month Certificate
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Roxboro Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
18 Months Certificates of Deposit (CDs)
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
18-Month Certificate (Premier Member)
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
18-Month IRA Certificate (Non-premier member)
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
IRA Certificate 18 Month
$500
3.15%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
18 Month
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
18 Month Certificate
$500
3.05%
▼
Rate3.01%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
IRA Certificate - 18 Months (Reg/Roth/Educ)
$1,000
3.05%
▼
Rate3.01%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Telco Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.49%
18 Months Certificate
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
Certificate - 18 Months
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
18-Month Business Certificate
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
18-Month Certificate (Non-premier member)
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Telco Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.49%
18 Months IRA Certificates
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Telco Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.49%
IRA Certificates 18 Months
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
American Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
18 Month IRA and Share Certificates
$1,000
2.75%
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
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: 4.65%
24 Month Fixed Rate IRA Certificates
$500
3.91%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Rate3.83%
Min Deposit$250
Min Balance—
UpdatedMay 12, 2026
Details
Rate3.83%
Min Deposit$250
Min Balance—
UpdatedMay 12, 2026
Details
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
IRA Share Certificate (24 Month)
$500
3.85%
▼
Rate3.78%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
Share Certificate (24 Month)
$500
3.85%
▼
Rate3.78%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
24 Months IRA Certificates
$0
3.77%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
Traditional IRA Certificates 24 Months
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
Standard Personal Share Certificates 24 Months
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.49%
24 Months Share Certificate
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
Share Term Certificates Regular 24 Months
$500
3.70%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
Traditional IRA Certificates 24 Months
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
Standard Personal Share Certificates 24 Months
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
24 Month Certificate
$500
3.65%
▼
Rate3.60%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
IRA Certificates 2 Years
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
IRA Certificates 24 Months
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
Young Certificates 24 Months
$500
3.60%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
24-Month IRA Certificate
$2,000
3.51%
▼
Rate3.45%
Min Deposit$2,000
Min Balance—
UpdatedMay 10, 2026
Details
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
24-Month Share Certificate
$2,000
3.51%
▼
Rate3.45%
Min Deposit$2,000
Min Balance—
UpdatedMay 10, 2026
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
24-Month IRA Certificate (Premier Member)
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Regular Certificates 24 Month Special
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
IRA Share Certificates 24 Months
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
24 Months Certificates
$1,000
3.50%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Emergency Responders Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.88%
24 Months Certificates of Deposit
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
24 Months
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Share Certificate 24 Months
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
($50,000 minimum)
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
Certificate or IRA 24 Months
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
2 Years Certificate
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
Share Certificate Accounts 24 month
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
IRA Certificate Accounts 24 month
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
2 Years Share Certificates
$0
3.30%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
($1,000 minimum)
Duke University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
Share Certificate 13-24 month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Duke University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
IRA Certificate 13-24 month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
24 Month Certificate
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
Online 24 Month Certificate
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
CS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
24-Month IRA Share Certificate
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Minimum Initial Deposit of $500
CS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
24-Month Share Certificate
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Minimum Initial Deposit of $500
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
24-Month Certificate (Premier Member)
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
24-Month IRA Certificate (Non-premier member)
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
Long-Term Certificates 24 Months
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
Certificate IRAs 24 Months
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
3
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
24 Month Fixed Rate
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Benchmark Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
Regular Time Deposits & IRAs* 24 Months
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Premium
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
IRA Certificate 2 Year
$500
3.15%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
URW Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.37%
2 Year Share Certificates (Share & IRA)
$1,000
3.09%
▼
Rate3.05%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
2 Year Certificate
$500
3.05%
▼
Rate3.01%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★Texas Ratio: 61.44%
Share Certificates 24 Months
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
24-Month Certificate (Non-premier member)
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
3 Years Add-On Certificate
$0
4.15%
▼
Rate4.09%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
36 Month Fixed Rate IRA Certificates
$500
4.01%
▼
Rate3.95%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
IRA Share Certificate (36 Month)
$500
3.90%
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
Share Certificate (36 Month)
$500
3.90%
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Lumbee Guaranty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
Individual Retirement Account (IRA) Certificate of Deposit* 36 Month Fixed Rate IRA
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
3-Year Certificate
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
3-year Certificate
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
36 Months IRA Certificates
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.49%
36 Months Share Certificate
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
36 Month Certificate
$500
3.75%
▼
Rate3.70%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Rate3.64%
Min Deposit$250
Min Balance—
UpdatedMay 12, 2026
Details
Rate3.64%
Min Deposit$250
Min Balance—
UpdatedMay 12, 2026
Details
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
IRA Certificates 36 months
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
Young Certificates 36 Months
$500
3.65%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
Traditional IRA Certificates 36 Months
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
Standard Personal Share Certificates 36 Months
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
36-MO CD
$0
3.51%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
36-Month IRA Certificate
$2,000
3.51%
▼
Rate3.45%
Min Deposit$2,000
Min Balance—
UpdatedMay 10, 2026
Details
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
36-Month Share Certificate
$2,000
3.51%
▼
Rate3.45%
Min Deposit$2,000
Min Balance—
UpdatedMay 10, 2026
Details
Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
IRA Share Certificates 36 Months
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
Certificate or IRA 36 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
36 Months Certificates
$1,000
3.50%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
Standard Personal Share Certificates 36 Months
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
Traditional IRA Certificates 36 Months
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
3 Years Share Certificates
$0
3.40%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
Share Term Certificates Regular 36 Months
$500
3.40%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Duke University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
Share Certificate 25-36 month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
($50,000 minimum)
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
36 Month Certificate
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Duke University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
IRA Certificate 25-36 month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
American Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
36 Month IRA and Share Certificates
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
Emergency Responders Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.88%
36 Months Certificates of Deposit
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
($1,000 minimum)
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
Certificate IRAs 36 Months
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
3
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
Long-Term Certificates 36 Months
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
36 Months
$500
3.14%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Share Certificate 36 Months
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
IRA Certificate - 36 Months (Reg/Roth/Educ)
$100,000
3.10%
▼
Rate3.06%
Min Deposit$100,000
Min Balance—
UpdatedMay 7, 2026
Details
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
IRA Certificate - 36 Months (Reg/Roth/Educ)
$1,000
3.05%
▼
Rate3.01%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
Certificate - 36 Months
$100,000
3.05%
▼
Rate3.01%
Min Deposit$100,000
Min Balance—
UpdatedMay 7, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
IRA Certificate Accounts 36 month
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
Share Certificate Accounts 36 month
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
Certificate - 36 Months
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
CS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
36-Month Share Certificate
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Minimum Initial Deposit of $500
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
36-Month Certificate (Premier Member)
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
36-Month IRA Certificate (Premier Member)
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Benchmark Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
Regular Time Deposits & IRAs* 36 Months
$0
2.85%
▼
Rate2.82%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Premium
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
36 Month Term Certificate
$500
2.85%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
Bump Certificate - 36 Months
$1,000
2.80%
▼
Rate2.76%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
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: 4.65%
48 Month Fixed Rate IRA Certificates
$500
4.11%
▼
Rate4.05%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
48 Month Certificate
$500
3.85%
▼
Rate3.80%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
48 Months IRA Certificates
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate3.74%
Min Deposit$250
Min Balance—
UpdatedMay 12, 2026
Details
Rate3.74%
Min Deposit$250
Min Balance—
UpdatedMay 12, 2026
Details
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.49%
48 Months Share Certificate
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
IRA Certificates 48 Months
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
Young Certificates 48 Months
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
American Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
48 Month IRA and Share Certificates
$500
3.50%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
48 Months Certificates
$1,000
3.50%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
IRA Share Certificates 48 Months
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
Standard Personal Share Certificates 48 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
Share Term Certificates Regular 48 Months
$500
3.30%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
48 Month Certificate
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
Traditional IRA Certificates 48 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
Traditional IRA Certificates 48 Months
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
Certificate IRAs 48 Months
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
3
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
Long-Term Certificates 48 Months
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
Standard Personal Share Certificates 48 Months
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
48-Month Certificate (Premier Member)
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
48-Month IRA Certificate (Premier Member)
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
48-month term Standard CDs
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
IRA Certificates (CDs) 48-month term
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
IRA Certificate Accounts 48 month
$500
2.78%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
Share Certificate Accounts 48 month
$500
2.78%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
48-Month IRA Certificate (Non-premier member)
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
48-Month Business Certificate
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
48-Month Certificate (Non-premier member)
$500
2.75%
▼
Rate2.72%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
48 Month Term Certificate
$500
2.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
IRA Certificate 4 Year
$500
2.70%
▼
Rate2.66%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
48-month term Regular CDs
$0
2.64%
▼
Rate2.61%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
IRA Certificates (CDs) 48-month term
$0
2.64%
▼
Rate2.61%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
4 Year Certificate
$500
2.60%
▼
Rate2.57%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Paramount Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.91%
CD & IRA - 48 Months
$1,000
2.55%
▼
Rate2.52%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Quarterly Post or Interest Checks<sup>2</sup>
Benchmark Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
Regular Time Deposits & IRAs* 48 Months
$0
2.50%
▼
Rate2.48%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Premium
Rate2.27%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
Share Certificates 4 Year
$100,000
2.10%
▼
Rate2.08%
Min Deposit$100,000
Min Balance—
UpdatedMay 12, 2026
Details
Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
Share Certificates 4 Year
$500
2.05%
▼
Rate2.03%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
IRA Certificates 4 Year
$500
2.05%
▼
Rate2.03%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Telco Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.49%
48 Months Certificate
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate1.78%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Telco Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.49%
48 Months IRA Certificates
$0
1.76%
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Telco Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.49%
IRA Certificates 48 Months
$0
1.76%
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Benchmark Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
Regular Time Deposits & IRAs* 48 Months
$0
1.75%
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★Texas Ratio: 61.44%
Share Certificates 48 Months
$0
1.35%
▼
Rate1.35%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Rate1.09%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate1.09%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
Jumbo, 5 Year Term Certificates
$0
4.34%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
60 Month Fixed Rate IRA Certificates
$500
4.22%
▼
Rate4.15%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
60 Month Certificate
$500
3.96%
▼
Rate3.90%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
IRA Certificates 60 Months
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
Young Certificates 60 Months
$500
3.90%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
60 Months IRA Certificates
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate3.74%
Min Deposit$250
Min Balance—
UpdatedMay 12, 2026
Details
Rate3.74%
Min Deposit$250
Min Balance—
UpdatedMay 12, 2026
Details
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.49%
60 Months Share Certificate
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
American Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
60 Month IRA and Share Certificates
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
IRA Certificates 5 Years
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
5 Year Executive
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
5 Year Executive IRA
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
5 Year Executive Roth
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
60-Month IRA Certificate
$2,000
3.51%
▼
Rate3.45%
Min Deposit$2,000
Min Balance—
UpdatedMay 10, 2026
Details
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
60-Month Share Certificate
$2,000
3.51%
▼
Rate3.45%
Min Deposit$2,000
Min Balance—
UpdatedMay 10, 2026
Details
Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
IRA Share Certificates 60 Months
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
60 Months Certificates
$1,000
3.50%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
5 Years Share Certificates
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
60 Month Fixed Rate
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
Certificate IRAs 60 Months
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
3
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
Long-Term Certificates 60 Months
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
Traditional IRA Certificates 60 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
60 Month Certificate
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
Share Term Certificates Regular 60 Months
$500
3.30%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
Standard Personal Share Certificates 60 Months
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
Standard Personal Share Certificates 60 Months
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
($50,000 minimum)
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.94%
Traditional IRA Certificates 60 Months
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
IRA Certificate - 60 Months (Reg/Roth/Educ)
$100,000
3.10%
▼
Rate3.06%
Min Deposit$100,000
Min Balance—
UpdatedMay 7, 2026
Details
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
($1,000 minimum)
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
60-month term Standard CDs
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
IRA Certificates (CDs) 60-month term
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
Certificate - 60 Months
$0
3.05%
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
IRA Certificate - 60 Months (Reg/Roth/Educ)
$1,000
3.05%
▼
Rate3.01%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
60-Month Certificate (Premier Member)
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
60-Month IRA Certificate (Premier Member)
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
Certificate - 60 Months
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Roxboro Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
Individual Retirement Accounts (IRAs) 60 months
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Roxboro Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
60 Months Certificates of Deposit (CDs)
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
60-month term Regular CDs
$0
2.84%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
IRA Certificates (CDs) 60-month term
$0
2.84%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate2.76%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
60-Month Business Certificate
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
60-Month Certificate (Non-premier member)
$500
2.75%
▼
Rate2.72%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
60-Month IRA Certificate (Non-premier member)
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
IRA Certificate 5 Year
$500
2.70%
▼
Rate2.66%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
5 Year Certificate
$500
2.60%
▼
Rate2.57%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
60 Months Certificate of Deposit (CDs)
$500
2.50%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Open Account: $500.00
Powered by
MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Key Takeaways
What to know about CD rates in Godwin, North Carolina at a glance.
- APY tells you the real return. Annual Percentage Yield includes the effect of compounding, while a nominal interest rate doesn't — always compare CDs by APY, not the headline rate.
- The highest CD APY available to Godwin residents from institutions serving the North Carolina area is 4.50% APY from Fort Financial Federal Credit Union. The rate table above ranks every offer we track, sorted by APY.
- Credit unions often post the highest APYs. Their not-for-profit structure and lower overhead let them pass more yield through to depositors than traditional banks, so it's worth comparing offers from both when shopping for the best rate.
- CDs are insured up to $250,000 per depositor, per institution, per ownership category — by the FDIC for banks, the NCUA for credit unions. Watch for early-withdrawal penalties, which typically run 30 to 180 days of interest depending on the term, so only commit funds you won't need before maturity.
Godwin, NC CD Rate Trends
Compare local Godwin, 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
1.580%
▼ 0.254 vs 7 days ago
North Carolina 12-month CD rates fell 0.254 points over the past 7 days to 1.580% APY.
6-Month CD — NC Avg
0.667%
▼ 0.413 vs 7 days ago
North Carolina 6-month CD rates fell 0.413 points over the past 7 days to 0.667% APY.
As of May 13, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
NC CD Rate Forecast — Next 12 Months
Where are North Carolina CD rates headed through May 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
NC 12-Month Avg APY
1.580%
6-Month Forecast
1.580%
Range: 1.38% – 1.73%
12-Month Forecast
1.330%
Range: 1.13% – 1.48%
Powered by
MonitorBankRates
What Your Savings Earn at NC CD Rates Today
Annual interest earnings at today’s North Carolina average APYs. State average used where available; national average as fallback.
| CD Term | NC Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 0.328% | $16.39 | $32.78 | $81.95 | $163.90 |
| 6-Month CD | 0.667% | $33.33 | $66.65 | $166.63 | $333.25 |
| 12-Month CD | 1.580% | $78.99 | $157.97 | $394.93 | $789.85 |
| 18-Month CD | 2.032% | $101.62 | $203.23 | $508.08 | $1,016.15 |
| 24-Month CD | 1.936% | $96.80 | $193.59 | $483.98 | $967.95 |
| 36-Month CD | 1.888% | $94.40 | $188.79 | $471.98 | $943.95 |
| 48-Month CD | 1.595% | $79.76 | $159.51 | $398.78 | $797.55 |
| 60-Month CD | 1.762% | $88.09 | $176.17 | $440.43 | $880.85 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of May 12, 2026. | |||||
Sample CD Ladder for Godwin, 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 | 0.328% | $16.39 |
| 2 | 6-Month CD | $5,000 | 0.667% | $33.33 |
| 3 | 12-Month CD | $5,000 | 1.580% | $78.99 |
| 4 | 24-Month CD | $5,000 | 1.936% | $96.80 |
| 5 | 36-Month CD | $5,000 | 1.888% | $94.40 |
| Total ($25,000 invested) | $25,000 | 1.280% blended | $319.91/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.
426
CD Rates
Tracked in Godwin, North Carolina
Tracked in Godwin, North Carolina
19 Banks
38 Credit Unions
About Our Godwin, North Carolina CD Rate Database
MonitorBankRates tracks 426 CD rates from 19 banks and 38 credit unions with locations in Godwin, North Carolina, plus national online institutions available to North Carolina residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Fort Financial Federal Credit Union offers a CD at 4.50% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Godwin, North Carolina.
How to Find the Best CD Rates in Godwin, North Carolina
What to compare when shopping for a CD in Godwin, North Carolina
To find the best APYs in Godwin, North Carolina, start with credit unions and online-only banks — Godwin, North Carolina has 38 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 Godwin, 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 Godwin, North Carolina — 57 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Godwin, North Carolina savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Godwin, North Carolina money market rates
North Carolina Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024 (state-level data shown — city data not available)
Population 65+
17.2%
National avg: 17.3%
Median Individual Earnings
$43,026
National avg: $47,340
Poverty Rate
13.0%
National avg: 11.1%
Unemployment Rate
4.6%
National avg: 4.8%
CD Earnings on 10% of Salary
$68/yr
At NC 12-mo avg 1.580% APY
17.2% of residents are 65 or older, in line with the national average of 17.3%. At today’s NC 12-month CD average of 1.580%, saving 10% of the local median salary ($4,302/year) and putting it in a CD would earn an additional $68 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 Godwin, 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 |
Frequently Asked Questions about CD Rates in Godwin, North Carolina
Are CD rates in Godwin, North Carolina FDIC insured?
Yes, most established banks in Godwin, 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 Godwin, 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 Godwin, 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 Godwin, 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 Godwin, North Carolina?
Here are recent top rates found for this area:
- Fort Financial Federal Credit Union: 4.50% APY (12-Month IRA Certificate (Premier Member))
- ADVANCIAL: 4.34% APY (Jumbo, 5 Year Term Certificates)
- U S POSTAL SERVICE: 4.25% APY (IRA Certificates 1 Year Starter Add-On)
- Founders Federal Credit Union: 4.22% APY (60 Month Fixed Rate IRA Certificates)
- ElecTel Cooperative Federal Credit Union: 4.15% APY (IRA Share Certificate (18 Month))
- Weyco Community Credit Union: 4.07% APY (Share Certificate 12 Months)
- Emergency Responders Credit Union: 4.00% APY (18 Months Certificates of Deposit)
- COASTAL: 3.90% APY (IRA Certificate 18 Month)
- Blue Flame Credit Union Charlotte, NC: 3.90% APY (Young Certificates 60 Months)
- Bragg Mutual Federal Credit Union: 3.90% APY (12 Months Share Certificate)
Rates reflect recent verified offers available in Godwin, North Carolina. Last Updated: May 12, 2026
CD Calculators for Godwin, North Carolina
Godwin, North Carolina CD Calculator
At today’s NC top rate of 4.50% APY, a $10,000 deposit earns $450 in the first year. Enter your amount to see your exact return.
Godwin, North Carolina CD LadderNC CD rates currently range from 0.328% (3-month) to 1.888% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Godwin, North Carolina CD at 4.50% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsNorth Carolina’s average 12-month CD is 1.580% 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
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Godwin, 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 pulling data straight 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 Godwin, 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: May 12, 2026
Rate Assistant
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