MonitorBankRates
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CD Rate Trends

Holly Ridge, North Carolina Best CD Rates September 2026

Current Holly Ridge, North Carolina CD rates include Fort Financial Federal Credit UnionFort Financial Federal Credit UnionA+5.0 ★Texas Ratio: 1.64%Real return: +1.70%APY minus CPI (February 2026) offering 12-Month IRA Certificate at 4.50% APY, Founders Federal Credit UnionFounders Federal Credit UnionA+5.0 ★Texas Ratio: 3.68%Real return: +1.47%APY minus CPI (February 2026) offering 60 Month Certificate at 4.27% APY, U S POSTAL SERVICEU S POSTAL SERVICEA+5.0 ★Texas Ratio: 4.56%Real return: +1.45%APY minus CPI (February 2026) offering 1 Year Starter Add-On at 4.25% APY, COASTALCOASTALA+5.0 ★Texas Ratio: 4.91%Real return: +1.45%APY minus CPI (February 2026) offering 24 Month Certificate at 4.25% APY, and Crescent BankCrescent BankA+5.0 ★Texas Ratio: 3.24%Real return: +1.45%APY minus CPI (February 2026) offering 24-month CD at 4.25% APY. CD rates as of September 9, 2026 according to verified data from MonitorBankRates.

Holly Ridge is a smaller community with no bank or credit union branches currently in our database. 555 institutions serving the North Carolina area are available to Holly Ridge residents, with CD rates as high as 4.50% APY from Fort Financial Federal Credit Union. Rates are continually updated, so we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: September 9, 2026

Compare Best CD Rates in Holly Ridge, North Carolina & the Surrounding Area

Holly Ridge 3 Month CD Rates

National 3 Month CD Average1.99% APY▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Cecil County School Employees Federal Credit Union
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

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 3, 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

Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
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%
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%
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%
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%
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

Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
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%
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%
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%
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%
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

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

Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
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%
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

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

Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
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.

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.

TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
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%
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

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

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

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

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%

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

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.

United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
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

Holly Ridge 6 Month CD Rates

National 6 Month CD Average2.67% APY▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
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 3, 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

Flagstar Bank, National Association
Institution Rating:
D3.1 ★Texas Ratio: 37.37%
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.

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

United Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.06%
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.

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

Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
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

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%
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

Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
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

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

Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
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%
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

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

Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.23%
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

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

Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
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

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

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

Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
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%
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%
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%
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

Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
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%
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

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

Revity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
Regular & 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

Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
6 Month Certificate
$0
2.70% ▲ 0.03% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 9, 2026
National Average2.67%▲ 0.03% above avg
Details

Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
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

Telco Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.89%
6 Month Certificate
$0
2.53% ▼ 0.14% below national avg
Rate2.50%
Min Deposit$0
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.67%▼ 0.14% below avg
Details

URW Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
Share Certificates (Share & IRA) - 6 Month
$1,000
2.53% ▼ 0.14% below national avg
Rate2.50%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.67%▼ 0.14% below avg
Details

Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
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%
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%
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.

First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
180 Days
$0
2.02% ▼ 0.65% below national avg
Rate2.00%
Min Deposit$0
Min Balance
Verified and UpdatedSep 5, 2026
National Average2.67%▼ 0.65% below avg
Details

Holly Ridge 12 Month CD Rates

National 12 Month CD Average2.84% APY▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
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

Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
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

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

Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
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

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 3, 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

Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
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%
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%
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.

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

Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
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

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

Welcome Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
IRA Share Certificates 12 Months
$500
3.60% ▲ 0.76% above national avg
Rate3.60%
Min Deposit$500
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.76% above avg
Details

URW Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.29%
Share Certificates (Share & IRA) - 1 Year
$1,000
3.60% ▲ 0.76% above national avg
Rate3.55%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.84%▲ 0.76% above avg
Details

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
12-Month Business Certificate
$0
3.50% ▲ 0.66% above national avg
Rate3.44%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.66% above avg
Details

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
12-Month Certificate
$0
3.50% ▲ 0.66% above national avg
Rate3.44%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.66% above avg
Details

Premier Member APY: 3.75% | Dividend Rate: 3.69%

Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.23%
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%
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

CAROLINA
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
1 Year CD
$50,000
3.50% ▲ 0.66% above national avg
Rate3.45%
Min Deposit$50,000
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 0.66% above avg
Details

Paramount Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
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

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
1 Year IRA Certificate
$0
3.45% ▲ 0.61% above national avg
Rate3.41%
Min Deposit$0
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 0.61% above avg
Details

CAROLINA
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
1 Year CD
$1,000
3.45% ▲ 0.61% above national avg
Rate3.40%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 0.61% above avg
Details

Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Roth Executive 1 Year
$100,000
3.45% ▲ 0.61% above national avg
Rate3.39%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.84%▲ 0.61% above avg
Details

Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Traditional Executive 1 Year
$100,000
3.45% ▲ 0.61% above national avg
Rate3.39%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.84%▲ 0.61% above avg
Details

Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
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

Sharonview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.85%
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

Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Roth Premier 1 Year
$10,000
3.35% ▲ 0.51% above national avg
Rate3.29%
Min Deposit$10,000
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.84%▲ 0.51% above avg
Details

Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Traditional Premier 1 Year
$10,000
3.35% ▲ 0.51% above national avg
Rate3.29%
Min Deposit$10,000
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.84%▲ 0.51% above avg
Details

Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
12-Month IRA Certificate
$2,000
3.30% ▲ 0.46% above national avg
Rate3.25%
Min Deposit$2,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.46% above avg
Details

Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
12-Month Share Certificate
$2,000
3.30% ▲ 0.46% above national avg
Rate3.25%
Min Deposit$2,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.46% above avg
Details

Benchmark Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
12 Months
$0
3.26% ▲ 0.42% above national avg
Rate3.22%
Min Deposit$0
Min Balance
Verified and UpdatedSep 8, 2026
National Average2.84%▲ 0.42% above avg
Details

Shuford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
12 mo.
$0
3.25% ▲ 0.41% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.84%▲ 0.41% above avg
Details

Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
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

CS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
12-Month IRA Share Certificate
$500
3.25% ▲ 0.41% above national avg
Rate3.20%
Min Deposit$500
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 0.41% above avg
Details

CS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
12-Month Share Certificate
$500
3.25% ▲ 0.41% above national avg
Rate3.20%
Min Deposit$500
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 0.41% above avg
Details

REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
12 Month Certificate
$0
3.25% ▲ 0.41% above national avg
Rate3.20%
Min Deposit$0
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 0.41% above avg
Details

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
1 Year Certificate
$0
3.25% ▲ 0.41% above national avg
Rate3.21%
Min Deposit$0
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.84%▲ 0.41% above avg
Details

ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
IRA Certificate - 12 Months
$100,000
3.25% ▲ 0.41% above national avg
Rate3.20%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.84%▲ 0.41% above avg
Details

Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
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%

Truist
Institution Rating:
A+5.0 ★Texas Ratio: 3.81%
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

Holly Ridge 18 Month CD Rates

National 18 Month CD Average2.67% APY▼ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
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

Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
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

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 3, 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

Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
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%
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

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%

Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.23%
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

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

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

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

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%

Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
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

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

Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
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

Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
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%
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%
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

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

Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
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%
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

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%

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 3, 2026
National Average2.67%▲ 0.33% above avg
Details

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

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

Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
18 Month Certificate
$100,000
1.85% ▼ 0.82% below national avg
Rate1.83%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.67%▼ 0.82% below avg
Details

Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
18 Month Certificate
$500
1.80% ▼ 0.87% below national avg
Rate1.79%
Min Deposit$500
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.67%▼ 0.87% below avg
Details

Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.26%
18 Month IRA Certificate
$500
1.80% ▼ 0.87% below national avg
Rate1.79%
Min Deposit$500
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.67%▼ 0.87% below avg
Details

Paramount Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.70%
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

United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
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

United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
18 Months
$0
1.60% ▼ 1.07% below national avg
Rate1.59%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.67%▼ 1.07% below avg
Details

A penalty may be charged for early withdrawal. Fees may reduce earnings on the account.

Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
18 Month Fixed
$100
1.10% ▼ 1.57% below national avg
Rate1.09%
Min Deposit$100
Min Balance
Verified and UpdatedSep 6, 2026
National Average2.67%▼ 1.57% below avg
Details

IRA 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.

Holly Ridge 24 Month CD Rates

National 24 Month CD Average2.71% APY▼ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
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

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

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

Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
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

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

Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
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

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

Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
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

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

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

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

Flagstar Bank, National Association
Institution Rating:
D3.1 ★Texas Ratio: 37.37%
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.

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

First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
Traditional IRA Certificate - 24 Months
$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

Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
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

Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
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%

Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
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

Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
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%

Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
24-Month IRA Certificate
$2,000
3.51% ▲ 0.80% above national avg
Rate3.45%
Min Deposit$2,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.80% above avg
Details

Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.40%
24-Month Share Certificate
$2,000
3.51% ▲ 0.80% above national avg
Rate3.45%
Min Deposit$2,000
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.80% above avg
Details

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
24-Month IRA Certificate
$0
3.50% ▲ 0.79% above national avg
Rate3.44%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.79% above avg
Details

Non-premier member APY: 3.25% | Dividend Rate: 3.20%

Shuford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
24 mo.
$0
3.50% ▲ 0.79% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.71%▲ 0.79% above avg
Details

Emergency Responders Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
24 Month Certificate
$500
3.50% ▲ 0.79% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 0.79% above avg
Details

REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
24 Month Certificate
$0
3.50% ▲ 0.79% above national avg
Rate3.44%
Min Deposit$0
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 0.79% above avg
Details

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
2 Year IRA Certificate
$0
3.50% ▲ 0.79% above national avg
Rate3.46%
Min Deposit$0
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 0.79% above avg
Details

CAROLINA
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
2 Year CD
$50,000
3.40% ▲ 0.69% above national avg
Rate3.35%
Min Deposit$50,000
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 0.69% above avg
Details

Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.01%
24 Months Share Certificate
$500
3.30% ▲ 0.59% above national avg
Rate3.25%
Min Deposit$500
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 0.59% above avg
Details

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.56%
2 Year Certificate
$0
3.30% ▲ 0.59% above national avg
Rate3.25%
Min Deposit$0
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 0.59% above avg
Details

CAROLINA
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
2 Year CD
$1,000
3.30% ▲ 0.59% above national avg
Rate3.25%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 0.59% above avg
Details

Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
24 Month CD
$500
3.30% ▲ 0.59% above national avg
Rate3.25%
Min Deposit$500
Min Balance
Verified and UpdatedSep 6, 2026
National Average2.71%▲ 0.59% above 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.

Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
24 Month Fixed
$100
3.30% ▲ 0.59% above national avg
Rate3.25%
Min Deposit$100
Min Balance
Verified and UpdatedSep 6, 2026
National Average2.71%▲ 0.59% above avg
Details

IRA 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.

Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
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%
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

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
24-Month Certificate
$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

Non-premier member APY: 3.00% | Dividend Rate: 2.96%

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
24-Month IRA Certificate
$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

Premier Member APY: 3.50% | Dividend Rate: 3.44%

Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
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

CS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
24-Month IRA Share Certificate
$500
3.25% ▲ 0.54% above national avg
Rate3.20%
Min Deposit$500
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 0.54% above avg
Details

CS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
24-Month Share Certificate
$500
3.25% ▲ 0.54% above national avg
Rate3.20%
Min Deposit$500
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.71%▲ 0.54% above avg
Details

Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
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

Roxboro Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
24 Month Certificate
$0
3.25% ▲ 0.54% above national avg
Rate3.20%
Min Deposit$0
Min Balance
Verified and UpdatedSep 5, 2026
National Average2.71%▲ 0.54% above avg
Details

Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
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%
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

Holly Ridge 36 Month CD Rates

National 36 Month CD Average2.64% APY▼ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
36 Month Certificate
$500
4.16% ▲ 1.52% 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

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

Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
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

Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
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

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

Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.45%
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

Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
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

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

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

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

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

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

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

Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
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%
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%
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

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

Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
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%
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

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

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

Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
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%

CAROLINA
Institution Rating:
A+5.0 ★Texas Ratio: 4.76%
3 Year CD
$1,000
3.20% ▲ 0.56% above national avg
Rate3.15%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 0.56% above avg
Details

Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
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%
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%
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%
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%
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

ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
IRA Certificate - 36 Months
$100,000
3.10% ▲ 0.46% above national avg
Rate3.06%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.64%▲ 0.46% above avg
Details

ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
Certificate - 36 Months
$100,000
3.05% ▲ 0.41% above national avg
Rate3.01%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.64%▲ 0.41% above avg
Details

ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
IRA Certificate - 36 Months
$1,000
3.05% ▲ 0.41% above national avg
Rate3.01%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.64%▲ 0.41% above avg
Details

Revity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
Jumbo & Jumbo IRA Certificates 36 Month
$0
3.04% ▲ 0.40% above national avg
Rate3.00%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.40% above avg
Details

Revity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
Mini Jumbo & Mini Jumbo IRA Certificate 36 Month
$0
3.04% ▲ 0.40% above national avg
Rate3.00%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.40% above avg
Details

Revity Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
Regular & IRA Certificates 36 Month
$0
3.04% ▲ 0.40% above national avg
Rate3.00%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.40% above avg
Details

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
36-Month Certificate
$0
3.00% ▲ 0.36% above national avg
Rate2.96%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.36% 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%
36-Month IRA Certificate
$0
3.00% ▲ 0.36% above national avg
Rate2.96%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.64%▲ 0.36% above avg
Details

Non-premier member APY: 2.75% | Dividend Rate: 2.72%

CS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.26%
36-Month Share Certificate
$500
3.00% ▲ 0.36% above national avg
Rate2.96%
Min Deposit$500
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.64%▲ 0.36% above avg
Details

ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
Certificate - 36 Months
$1,000
3.00% ▲ 0.36% above national avg
Rate2.96%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.64%▲ 0.36% above avg
Details

Holly Ridge 48 Month CD Rates

National 48 Month CD Average2.65% APY▼ 0.02% from last week
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%
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

Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
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

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

Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
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%
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%
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

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

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

Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
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%
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

Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
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

Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
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%

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

Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
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

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

Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
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%

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

Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
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

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%

Sharonview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.85%
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

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%

Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.23%
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%
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

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 3, 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

United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
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

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 3, 2026
National Average2.65%▼ 0.85% below avg
Details

IRA Certificate

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

Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
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.

Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
48 Month CD
$500
1.10% ▼ 1.55% below national avg
Rate1.09%
Min Deposit$500
Min Balance
Verified and UpdatedSep 6, 2026
National Average2.65%▼ 1.55% 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.

Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
48 Month Fixed
$100
1.10% ▼ 1.55% below national avg
Rate1.09%
Min Deposit$100
Min Balance
Verified and UpdatedSep 6, 2026
National Average2.65%▼ 1.55% below avg
Details

IRA 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.

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
4-Year Certificate
$0
1.00% ▼ 1.65% below national avg
Rate1.00%
Min Deposit$0
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.65%▼ 1.65% below avg
Details

Byline Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.26%
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

Holly Ridge 60 Month CD Rates

National 60 Month CD Average2.75% APY▼ 0.03% from last week
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%
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

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

Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.68%
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%
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

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

Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
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%
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

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

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

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

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

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

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

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

Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
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%
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%
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%

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

Truliant Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.80%
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%
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

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

Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.33%
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%
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

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

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

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

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%
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

Sharonview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.85%
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

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

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
60-Month Certificate
$0
3.00% ▲ 0.25% above national avg
Rate2.96%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.25% 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%
60-Month IRA Certificate
$0
3.00% ▲ 0.25% above national avg
Rate2.96%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.75%▲ 0.25% above avg
Details

Non-premier member APY: 2.75% | Dividend Rate: 2.72%

ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.79%
Certificate - 60 Months
$1,000
3.00% ▲ 0.25% above national avg
Rate2.96%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 4, 2026
National Average2.75%▲ 0.25% 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

Roxboro Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
60 months IRA
$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

Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
5 Year Certificate
$0
2.90% ▲ 0.15% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 9, 2026
National Average2.75%▲ 0.15% above avg
Details

REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
60 Month Certificate
$0
2.80% ▲ 0.05% above national avg
Rate2.76%
Min Deposit$0
Min Balance
Verified and UpdatedSep 3, 2026
National Average2.75%▲ 0.05% above avg
Details

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
60-Month Business Certificate
$0
2.75% At national avg
Rate2.72%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.75%At the average
Details

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
60-Month Certificate
$0
2.75% At national avg
Rate2.72%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.75%At the average
Details

Premier Member APY: 3.00% | Dividend Rate: 2.96%

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
60-Month IRA Certificate
$0
2.75% At national avg
Rate2.72%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.75%At the average
Details

Premier Member APY: 3.00% | Dividend Rate: 2.96%

Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
5 Year CD
$0
2.50% ▼ 0.25% below national avg
Rate2.47%
Min Deposit$0
Min Balance
Verified and UpdatedAug 31, 2026
National Average2.75%▼ 0.25% below avg
Details

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.

Top CD Rates from Holly Ridge, North Carolina Institutions

Highest verified APYs available today, updated September 9, 2026

B Top 5 Bank Rates
U S POSTAL SERVICE
1 Year Starter Add-On
A+ 5.0 ★ TX: 4.56%
Min: $0
4.25%
COASTAL
24 Month Certificate
A+ 5.0 ★ TX: 4.91%
Min: $250
4.25%
Crescent Bank
24-month CD
A+ 5.0 ★ TX: 3.24%
Min: $1,000
4.25%
REV
12 Month Certificate Special
A+ 5.0 ★ TX: 3.41%
Min: $0
4.00%
Lumbee Guaranty Bank
36 Month Fixed Rate IRA
A+ 5.0 ★ TX: 1.73%
Min: $0
3.82%
CU Top 5 Credit Union Rates
Fort Financial Federal Credit Union
12-Month IRA Certificate
A+ 5.0 ★ TX: 1.64%
Min: $0
4.50%
Founders Federal Credit Union
60 Month Certificate
A+ 5.0 ★ TX: 3.68%
Min: $500
4.27%
Lions Share Federal Credit Union
12-Month IRA CD
F 1.1 ★ TX: 15.10%
Min: $500
4.15%
Centra Credit Union
24 Month Certificate
A+ 5.0 ★ TX: 4.26%
Min: $100,000
4.15%
Emergency Responders Credit Union
18 Month Certificate
A 5.0 ★ TX: 6.70%
Min: $500
4.00%
Rates verified September 9, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.

Holly Ridge, NC CD Rate Trends

Compare local Holly Ridge, 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.

View Full North Carolina CD Trends
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 Powered by MonitorBankRates

NC CD Rate Forecast, Next 12 Months

Where are North Carolina CD rates headed through September 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

NC 12-Month Avg APY
2.840%
6-Month Forecast
2.840%
Range: 2.64% – 2.99%
12-Month Forecast
3.090%
Range: 2.89% – 3.24%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the North Carolina average 12-month CD APY in our database.

Spread model: The North Carolina 12-month CD average currently trades 1.54% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

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 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 9, 2026.

Sample CD Ladder for Holly Ridge, 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.

Build Your Ladder
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 Holly Ridge, North Carolina
20 Banks 37 Credit Unions

About Our Holly Ridge, North Carolina CD Rate Database

MonitorBankRates tracks 445 CD rates from 20 banks and 37 credit unions with locations in Holly Ridge, 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 Holly Ridge, North Carolina.

How to Find the Best CD Rates in Holly Ridge, North Carolina

What to compare when shopping for a CD in Holly Ridge, North Carolina

To find the best APYs in Holly Ridge, North Carolina, start with credit unions and online-only banks: Holly Ridge, 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 Holly Ridge, 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 Holly Ridge, North Carolina: 57 institutions here report CD rates

Consider an Alternative If…

Holly Ridge, North Carolina Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024

Population 65+
12.1%
National avg: 17.3%
Median Individual Earnings
$58,310
National avg: $47,340
Poverty Rate
0.8%
National avg: 11.1%
Unemployment Rate
1.4%
National avg: 4.8%
CD Earnings on 10% of Salary
$166/yr
At NC 12-mo avg 2.840% APY

12.1% of residents are 65 or older, below the national average of 17.3%; a low unemployment rate of 1.4% reflects a strong local economy. At today’s NC 12-month CD average of 2.840%, saving 10% of the local median salary ($5,831/year) and putting it in a CD would earn an additional $166 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 Holly Ridge, 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 Holly Ridge, 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 Holly Ridge, 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 Holly Ridge, North Carolina as everywhere in the U.S.

Choosing a CD Term in Holly Ridge, 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 Holly Ridge, North Carolina savers easier access to their funds. For example, COASTAL is offering its 6 Month Certificate at 4.00% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Founders Federal Credit Union is offering its 60 Month Certificate at 4.27% 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 Holly Ridge, 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 Holly Ridge, 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 Holly Ridge, 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 Holly Ridge, 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 Holly Ridge, North Carolina

Most CDs carry a fixed rate that is locked for the entire term, protecting a Holly Ridge, 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 Holly Ridge, North Carolina

Are CD rates in Holly Ridge, North Carolina FDIC insured?

Yes, most established banks in Holly Ridge, 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 Holly Ridge, 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 Holly Ridge, 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 Holly Ridge, 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 Holly Ridge, North Carolina?

Here are recent top rates found for this area:
  • Fort Financial Federal Credit Union: 4.50% APY (12-Month IRA Certificate)
  • Founders Federal Credit Union: 4.27% APY (60 Month Certificate)
  • U S POSTAL SERVICE: 4.25% APY (1 Year Starter Add-On)
  • COASTAL: 4.25% APY (24 Month Certificate)
  • Crescent Bank: 4.25% APY (24-month CD)
  • Lions Share Federal Credit Union: 4.15% APY (12-Month IRA CD)
  • Centra Credit Union: 4.15% APY (24 Month Certificate)
  • Emergency Responders Credit Union: 4.00% APY (18 Month Certificate)
  • REV: 4.00% APY (12 Month Certificate Special)
  • ElecTel Cooperative Federal Credit Union: 3.90% APY (IRA Share Certificate (18 Month))
Rates reflect recent verified offers available in Holly Ridge, North Carolina. Last Updated: September 9, 2026

Holly Ridge, 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 Holly Ridge, 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.

Top Holly Ridge, North Carolina CD Rates by Term

Verified September 9, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Holly Ridge, North Carolina. Averages shown use the North Carolina state average where available, national otherwise. See the full rate tables above for all offers.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Holly Ridge, 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 Holly Ridge, 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 Holly Ridge, 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 9, 2026

Holly Ridge, North Carolina Rates & Resources