CD Rates Mill Spring, North Carolina (NC) for March 2026
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Brian McKay
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Brian McKay
Brian McKay
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The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Mill Spring, North Carolina CD rates include Fort Financial Federal Credit UnionFort Financial Federal Credit Union1475 N New Hope Rd, Gastonia, NC 28054A+5.0 ★Texas Ratio: 3.12% offering 12-Month IRA/ESA Certificate Premier Member at 4.50% APY, U S POSTAL SERVICEU S POSTAL SERVICE1 Floretta Pl, Raleigh, NC 27676 9803A+5.0 ★Texas Ratio: 2.27% offering IRA Certificates 1 Year Starter Add-On at 4.25% APY, Founders Federal Credit UnionFounders Federal Credit Union11115 S Tryon St, Charlotte, NC 28273A+5.0 ★Texas Ratio: 4.65% offering 60 Month Fixed Rate IRA Certificates at 4.22% APY, ElecTel Cooperative Federal Credit UnionElecTel Cooperative Federal Credit Union2500 NC Highway 86 S, Hillsborough, NC 27278A+5.0 ★Texas Ratio: 1.21% offering IRA Share Certificate (24 Month) at 4.20% APY, and Skyla Federal Credit UnionSkyla Federal Credit Union3700 South Blvd, Charlotte, NC 28209A5.0 ★Texas Ratio: 6.28% offering Elite Jumbo CD 36-month at 4.15% APY. CD rates as of March 28, 2026 according to verified data from MonitorBankRates.
To help you find the best CD rates in Mill Spring, North Carolina, and the surrounding area,, use our comprehensive rate tables for side-by-side comparisons across all 8 CD terms from local and national banks and credit unions, to ensure you find the best CD rates available.
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: March 28, 2026
Compare Best CD Rates in Mill Spring, North Carolina & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
3101 S Church St, Burlington, NC 27215
3 Month CD and IRA Specials
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Building 603 Suite 100, Liberty, NC 27298
3-Month Share Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$100,000 Minimum to Earn APY
Live Oak Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.35%
1757 Tiburon Dr, Wilmington, NC 28403
3-month CD
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC 27103 2993
IRA Certificate - 3 Month
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
4997 Home Rd, Winston Salem, NC 27106
3 Month Certificate
$500
2.50%
▼
Rate2.47%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
4100 Clemmons Rd, Clemmons, NC 27012
3 Month Term Certificate
$0
2.45%
▼
Rate2.42%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
15280 Us Highway 17, Hampstead, NC 28443
3 Month Choice CD
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMar 28, 2026
Details
Relationship APY
Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
9377 N US Highway 301, Whitakers, NC 27891 8621
Share Certificates 3 Month
$100,000
0.90%
▼
Rate0.90%
Min Deposit$100,000
Min Balance—
UpdatedMar 28, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
67 Pitts Station Rd, Marion, NC 28752 7925
3-month term Standard CDs
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
201 S Stratford Rd, Winston Salem, NC 27103
3-Month CD
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
227 W Morehead St, Reidsville, NC 27320
3 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedMar 28, 2026
Details
$2,500 minimum opening deposit; Early withdrawal penalties may apply
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5712 Creedmoor Rd, Raleigh, NC 27612
6 month Share Certificate
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
FirstBank (TN)
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
6302 Fairview Rd, Charlotte, NC 28210
6 Month CD
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
302 Charlotte St, Hamlet, NC 28345
Regular Certificates 6 Month
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Excite Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.89%
2465 S 17th St, Wilmington, NC 28401
6-MONTH CERTIFICATE
$500
3.65%
▼
Rate3.59%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Live Oak Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.35%
1757 Tiburon Dr, Wilmington, NC 28403
6-month CD
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
3 Academy ST, Canton, NC 28716
6-mo. Share Certificate
$1,000
3.55%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Atlanta Postal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
591 Brevard Rd, Asheville, NC 28810 0001
Jumbo Certificate Less Than 1 Year Account 6 Month
$0
3.50%
▼
Rate3.47%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Building 603 Suite 100, Liberty, NC 27298
6-Month Share Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$100,000 Minimum to Earn APY
HealthShare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
HealthShare Credit Union, Greensboro, NC 27401
6-Month Share Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
4997 Home Rd, Winston Salem, NC 27106
6 Month Certificate
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
6502 McMahan Dr, Charlotte, NC 28226
6 Month Term Certificate
$500
3.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
4100 Clemmons Rd, Clemmons, NC 27012
6 Month Term Certificate
$0
2.95%
▼
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
CS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
6519 Comm Scope Rd, Catawba, NC 28609
6 Month Share Certificate
$500
2.75%
▼
Rate2.72%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC 27103 2993
IRA Certificate - 6 Month
$250,000
2.65%
▼
Rate2.62%
Min Deposit$250,000
Min Balance—
UpdatedMar 28, 2026
Details
Telco Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.49%
1720 Barlow Rd, Tarboro, NC 27886
6 Month Certificate
$0
2.53%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
201 S Stratford Rd, Winston Salem, NC 27103
6-Month CD
$0
1.75%
▼
Rate1.73%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Blue Ridge Bank National Association
Institution Rating:
F2.8 ★Texas Ratio: 41.42%
3202 Northline Ave, Greensboro, NC 27408
Consumer Certificates of Deposit 6 Month
$0
1.60%
▼
Rate1.59%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
9377 N US Highway 301, Whitakers, NC 27891 8621
Share Certificates 6 Month
$500
1.55%
▼
Rate1.54%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
1501 River Rd, Cofield, NC 27922
Certificates minimum) 6 Month
$0
1.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$1,000
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
67 Pitts Station Rd, Marion, NC 28752 7925
6-month term Standard CDs
$0
1.35%
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
1475 N New Hope Rd, Gastonia, NC 28054
6-Month Certificate (Premier Member)
$500
0.85%
▼
Rate0.85%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Marine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.48%
4180 Western Blvd, Jacksonville, NC 28546 6740
6-Month IRA
$500
0.75%
▼
Rate0.75%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Winston Salem Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
711 E SALEM AVE, WINSTON SALEM, NC 27101 5365
6 Month Certificate Savings Plan
$0
0.15%
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
227 W Morehead St, Reidsville, NC 27320
6 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedMar 28, 2026
Details
$2,500 minimum opening deposit; Early withdrawal penalties may apply
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
2607 Mill St, Winterville, NC 28590
6-month automatic saver CD
$500
0.01%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
1475 N New Hope Rd, Gastonia, NC 28054
12-Month IRA/ESA Certificate Premier Member
$500
4.50%
▼
Rate4.41%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
1 Floretta Pl, Raleigh, NC 27676 9803
IRA Certificates 1 Year Starter Add-On
$0
4.25%
▼
Rate4.18%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
2500 NC Highway 86 S, Hillsborough, NC 27278
IRA Share Certificate (12 Month)
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
1000 Saint Albans Dr, Raleigh, NC 27609
12 Month Certificate
$250
3.90%
▼
Rate3.83%
Min Deposit$250
Min Balance—
UpdatedMar 28, 2026
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
3700 South Blvd, Charlotte, NC 28209
Jumbo CD 12-month
$50,000
3.85%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMar 28, 2026
Details
Winston Salem Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
711 E SALEM AVE, WINSTON SALEM, NC 27101 5365
12 Month Certificate Savings Plan
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Live Oak Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.35%
1757 Tiburon Dr, Wilmington, NC 28403
1-Year CD
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
302 Charlotte St, Hamlet, NC 28345
Regular Certificates 12 Month Special
$0
3.75%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Atlanta Postal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
591 Brevard Rd, Asheville, NC 28810 0001
Jumbo Certificate 1 Year or Greater Account and Jumbo IRA Certificate 24 Month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Crescent Bank
Institution Rating:
C4.0 ★Texas Ratio: 27.16%
10115 Kincey Ave, Huntersville, NC 28078
Online Certificates of Deposit 12-month CD
$1,000
3.65%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Minimum opening deposit $1,000
URW Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.37%
1092 NC Highway 86 N, Yanceyville, NC 27379
1 Year Share Certificates (Share & IRA)
$1,000
3.60%
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
11115 S Tryon St, Charlotte, NC 28273
12 Month Certificate
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
6502 McMahan Dr, Charlotte, NC 28226
12 Month Term Certificate
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC 27103 2993
IRA Certificate - 12 Month
$250,000
3.45%
▼
Rate3.39%
Min Deposit$250,000
Min Balance—
UpdatedMar 28, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5712 Creedmoor Rd, Raleigh, NC 27612
12 month Share Certificate
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
2098 Frontis Plaza Blvd Ste A, Winston Salem, NC 27103 5779
IRA Certificates 12-Month
$2,000
3.30%
▼
Rate3.25%
Min Deposit$2,000
Min Balance—
UpdatedMar 28, 2026
Details
HealthShare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
HealthShare Credit Union, Greensboro, NC 27401
12-Month Share Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
4997 Home Rd, Winston Salem, NC 27106
12 Month Certificate
$500
3.15%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
4100 Clemmons Rd, Clemmons, NC 27012
12 Month Term Certificate
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Marine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.48%
4180 Western Blvd, Jacksonville, NC 28546 6740
12-Month IRA
$500
3.09%
▼
Rate3.05%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Telco Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.49%
1720 Barlow Rd, Tarboro, NC 27886
12 Month Certificate
$0
2.99%
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
7521 Pineville Matthews Rd, Charlotte, NC 28226
Regular, IRA & Business Jumbo Certificates 1 year
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
3 Academy ST, Canton, NC 28716
12-mo. Share Certificate
$1,000
2.05%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
American Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
618 N Scales St, Reidsville, NC 27320 2941
12 Month IRA and Share Certificates
$500
2.00%
▼
Rate1.98%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
9377 N US Highway 301, Whitakers, NC 27891 8621
Share Certificates 12 Month
$100,000
1.75%
▼
Rate1.74%
Min Deposit$100,000
Min Balance—
UpdatedMar 28, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
209 Turnersburg Hwy, Statesville, NC 28625 2797
12 Month Liquid Certificate
$2,500
1.70%
▼
Rate1.59%
Min Deposit$2,500
Min Balance—
UpdatedMar 28, 2026
Details
Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the "Tax Reported Owner") is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. A penalty may be charged for early withdrawal. Rates may change after account is opened. Fees may reduce earnings on the account.
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
1730 Matthews Township Pkwy Ste E, Matthews, NC 28105 4928
Share Certificates1 1 year
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
227 W Morehead St, Reidsville, NC 27320
1 year Standard Fixed Rate CD
$2,500
1.50%
▼
Rate1.49%
Min Deposit$2,500
Min Balance—
UpdatedMar 28, 2026
Details
$2,500 minimum opening deposit; Early withdrawal penalties may apply
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
67 Pitts Station Rd, Marion, NC 28752 7925
12-month term Standard CDs
$0
1.40%
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
201 S Stratford Rd, Winston Salem, NC 27103
12-Month CD
$0
1.01%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
15280 Us Highway 17, Hampstead, NC 28443
12 Month Choice CD
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMar 28, 2026
Details
Relationship APY
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
316 NC Hwy 149 N, Plymouth, NC 27962
IRA 12-Month Fixed
$0
0.55%
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
105 E Walnut St, Goldsboro, NC 27530 3648
1-Year Certificate (365 Days)
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
2607 Mill St, Winterville, NC 28590
1-year convertible CD
$500
0.01%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Qualifying balance up to $49,000.00
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
2500 NC Highway 86 S, Hillsborough, NC 27278
IRA Share Certificate (18 Month)
$500
4.15%
▼
Rate4.07%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
3700 South Blvd, Charlotte, NC 28209
Jumbo CD senior 18-month
$50,000
4.10%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMar 28, 2026
Details
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
1000 Saint Albans Dr, Raleigh, NC 27609
18 Month Certificate
$250
3.90%
▼
Rate3.83%
Min Deposit$250
Min Balance—
UpdatedMar 28, 2026
Details
Corporate America Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
5870 Samet Dr Ste 113, High Point, NC 27265 3647
18-Month Share Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Save more when you move at least $500 from another financial institution.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Building 603 Suite 100, Liberty, NC 27298
IRA Certificate Term 18-Month Variable
$100,000
3.72%
▼
Rate3.66%
Min Deposit$100,000
Min Balance—
UpdatedMar 28, 2026
Details
$100,000 Minimum to Earn APY
Winston Salem Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
711 E SALEM AVE, WINSTON SALEM, NC 27101 5365
18 Month Certificate Savings Plan
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Live Oak Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.35%
1757 Tiburon Dr, Wilmington, NC 28403
18-Month CD
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
1475 N New Hope Rd, Gastonia, NC 28054
18-Month IRA/ESA Certificate Premier Member
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC 27103 2993
IRA Certificate - 18 Month
$250,000
3.35%
▼
Rate3.30%
Min Deposit$250,000
Min Balance—
UpdatedMar 28, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
67 Pitts Station Rd, Marion, NC 28752 7925
18-month term
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
4997 Home Rd, Winston Salem, NC 27106
18 Month Certificate
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
4100 Clemmons Rd, Clemmons, NC 27012
18 Month Term Certificate
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Telco Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.49%
1720 Barlow Rd, Tarboro, NC 27886
18 Month Certificate
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
302 Charlotte St, Hamlet, NC 28345
Regular Certificates 18 Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
American Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
618 N Scales St, Reidsville, NC 27320 2941
18 Month IRA and Share Certificates
$1,000
2.75%
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
9377 N US Highway 301, Whitakers, NC 27891 8621
Share Certificates 18 Month
$100,000
1.85%
▼
Rate1.83%
Min Deposit$100,000
Min Balance—
UpdatedMar 28, 2026
Details
Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
201 S Stratford Rd, Winston Salem, NC 27103
18-Month CD
$0
1.01%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
15280 Us Highway 17, Hampstead, NC 28443
18 Month Choice CD
$0
1.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Relationship APY
Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
3 Academy ST, Canton, NC 28716
18-mo. Share Certificate
$1,000
0.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
316 NC Hwy 149 N, Plymouth, NC 27962
IRA 18-Month Fixed
$0
0.65%
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
105 E Walnut St, Goldsboro, NC 27530 3648
18-Month Certificate
$0
0.55%
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
2500 NC Highway 86 S, Hillsborough, NC 27278
IRA Share Certificate (24 Month)
$500
4.20%
▼
Rate4.12%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
3700 South Blvd, Charlotte, NC 28209
Elite Jumbo CD 24-month
$250,000
4.10%
▼
Rate—
Min Deposit$250,000
Min Balance—
UpdatedMar 28, 2026
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
11115 S Tryon St, Charlotte, NC 28273
24 Month Fixed Rate IRA Certificates
$500
3.91%
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
1000 Saint Albans Dr, Raleigh, NC 27609
24 Month Certificate
$250
3.90%
▼
Rate3.83%
Min Deposit$250
Min Balance—
UpdatedMar 28, 2026
Details
Emergency Responders Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.88%
1777 Link Rd, Winston Salem, NC 27103 4625
24 Month JUMBO Certificates of Deposit
$30,000
3.75%
▼
Rate—
Min Deposit$30,000
Min Balance—
UpdatedMar 28, 2026
Details
Atlanta Postal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
591 Brevard Rd, Asheville, NC 28810 0001
Jumbo Certificate 1 Year or Greater Account and Jumbo IRA Certificate 24 Month
$0
3.70%
▼
Rate3.63%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Winston Salem Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
711 E SALEM AVE, WINSTON SALEM, NC 27101 5365
24 Month Certificate Savings Plan
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
2098 Frontis Plaza Blvd Ste A, Winston Salem, NC 27103 5779
IRA Certificates 24-Month
$2,000
3.51%
▼
Rate3.45%
Min Deposit$2,000
Min Balance—
UpdatedMar 28, 2026
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
1475 N New Hope Rd, Gastonia, NC 28054
24-Month IRA/ESA Certificate Premier Member
$500
3.50%
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Building 603 Suite 100, Liberty, NC 27298
24-Month Share Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$100,000 Minimum to Earn APY
CAROLINA
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
1200 E Church St, Cherryville, NC 28021 9211
2 Year CD
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
($50,000 minimum)
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC 27103 2993
IRA Certificate - 2 Year
$250,000
3.35%
▼
Rate3.30%
Min Deposit$250,000
Min Balance—
UpdatedMar 28, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5712 Creedmoor Rd, Raleigh, NC 27612
24 month Share Certificate
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
4997 Home Rd, Winston Salem, NC 27106
24 Month Certificate
$500
3.25%
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
4100 Clemmons Rd, Clemmons, NC 27012
24 Month Term Certificate
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Marine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.48%
4180 Western Blvd, Jacksonville, NC 28546 6740
24-Month IRA
$500
3.14%
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Mountain Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
1700 Russ Ave, Waynesville, NC 28786 5807
24 Month Certificate
$0
3.10%
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
URW Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.37%
1092 NC Highway 86 N, Yanceyville, NC 27379
2 Year Share Certificates (Share & IRA)
$1,000
3.09%
▼
Rate3.05%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
CS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
6519 Comm Scope Rd, Catawba, NC 28609
24-Month IRA Share Certificate
$500
3.05%
▼
Rate3.01%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
302 Charlotte St, Hamlet, NC 28345
IRA Certificates 24 Month
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
6502 McMahan Dr, Charlotte, NC 28226
24 Month Term Certificate
$500
2.95%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
67 Pitts Station Rd, Marion, NC 28752 7925
24-month term Standard CDs
$0
2.60%
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Telco Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.49%
1720 Barlow Rd, Tarboro, NC 27886
24 Month Certificate
$0
2.43%
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Live Oak Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.35%
1757 Tiburon Dr, Wilmington, NC 28403
2-Year CD
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
9377 N US Highway 301, Whitakers, NC 27891 8621
Share Certificates 24 Month
$100,000
1.90%
▼
Rate1.88%
Min Deposit$100,000
Min Balance—
UpdatedMar 28, 2026
Details
WNC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
27 Kent Ln, Waynesville, NC 28786 6099
2-Year Share Certificate
$0
1.50%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
3101 S Church St, Burlington, NC 27215
CDs and IRAs 2 Year
$0
1.15%
▼
Rate1.15%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
201 S Stratford Rd, Winston Salem, NC 27103
24-Month CD
$0
1.01%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
15280 Us Highway 17, Hampstead, NC 28443
24 Month Certificate of Deposit
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMar 28, 2026
Details
Relationship APY
Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
3 Academy ST, Canton, NC 28716
24-mo. Share Certificate
$1,000
0.85%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
105 E Walnut St, Goldsboro, NC 27530 3648
2-Year Certificate
$0
0.65%
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
3700 South Blvd, Charlotte, NC 28209
Elite Jumbo CD 36-month
$250,000
4.15%
▼
Rate—
Min Deposit$250,000
Min Balance—
UpdatedMar 28, 2026
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
11115 S Tryon St, Charlotte, NC 28273
36 Month Fixed Rate IRA Certificates
$500
4.01%
▼
Rate3.95%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
2500 NC Highway 86 S, Hillsborough, NC 27278
IRA Share Certificate (36 Month)
$500
3.90%
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Lumbee Guaranty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
403 E 3rd St, Pembroke, NC 28372
Individual Retirement Account (IRA) Certificate of Deposit* 36 Month Fixed Rate IRA
$500
3.82%
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
1000 Saint Albans Dr, Raleigh, NC 27609
36 Month Certificate
$250
3.70%
▼
Rate3.64%
Min Deposit$250
Min Balance—
UpdatedMar 28, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Building 603 Suite 100, Liberty, NC 27298
IRA Certificate Term 36-Month Variable
$100,000
3.67%
▼
Rate3.61%
Min Deposit$100,000
Min Balance—
UpdatedMar 28, 2026
Details
$100,000 Minimum to Earn APY
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
2098 Frontis Plaza Blvd Ste A, Winston Salem, NC 27103 5779
IRA Certificates 36-Month
$2,000
3.51%
▼
Rate3.45%
Min Deposit$2,000
Min Balance—
UpdatedMar 28, 2026
Details
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
1730 Matthews Township Pkwy Ste E, Matthews, NC 28105 4928
3-year (1x bump-up) IRA Share Certificate special
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Winston Salem Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
711 E SALEM AVE, WINSTON SALEM, NC 27101 5365
36 Month Certificate Savings Plan
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
4997 Home Rd, Winston Salem, NC 27106
36 Month Certificate
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
American Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
618 N Scales St, Reidsville, NC 27320 2941
36 Month IRA and Share Certificates
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
CAROLINA
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
1200 E Church St, Cherryville, NC 28021 9211
3 Year CD
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
($1,000 minimum)
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
4100 Clemmons Rd, Clemmons, NC 27012
36 Month Term Certificate
$0
3.19%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Atlanta Postal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
591 Brevard Rd, Asheville, NC 28810 0001
Jumbo Certificate 1 Year or Greater Account and Jumbo IRA Certificate 36 Month
$0
3.10%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Mountain Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
1700 Russ Ave, Waynesville, NC 28786 5807
36 Month Certificate
$0
3.05%
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5712 Creedmoor Rd, Raleigh, NC 27612
36 month Share Certificate
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
1475 N New Hope Rd, Gastonia, NC 28054
36-Month Certificate (Premier Member)
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC 27103 2993
IRA Certificate - 3 Year
$250,000
2.90%
▼
Rate2.86%
Min Deposit$250,000
Min Balance—
UpdatedMar 28, 2026
Details
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
6502 McMahan Dr, Charlotte, NC 28226
36 Month Term Certificate
$500
2.85%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Summit Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
8210 W Market St, Greensboro, NC 27409
Regular and IRA Certificates 36 Month
$500
2.75%
▼
Rate2.73%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
67 Pitts Station Rd, Marion, NC 28752 7925
36-month term Regular CDs
$0
2.49%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
302 Charlotte St, Hamlet, NC 28345
Regular Certificates 36 Month
$0
2.25%
▼
Rate2.22%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
209 Turnersburg Hwy, Statesville, NC 28625 2797
36 Month Bump Up Certificate
$500
2.10%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the "Tax Reported Owner") is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00.
URW Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.37%
1092 NC Highway 86 N, Yanceyville, NC 27379
3 Year Share Certificates (Share & IRA)
$1,000
2.06%
▼
Rate2.05%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
9377 N US Highway 301, Whitakers, NC 27891 8621
Share Certificates 3 Year
$100,000
2.05%
▼
Rate2.03%
Min Deposit$100,000
Min Balance—
UpdatedMar 28, 2026
Details
Live Oak Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.35%
1757 Tiburon Dr, Wilmington, NC 28403
3-Year CD
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
3101 S Church St, Burlington, NC 27215
CDs and IRAs 3 Year
$0
1.25%
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
201 S Stratford Rd, Winston Salem, NC 27103
36-Month CD
$0
1.10%
▼
Rate1.09%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
3 Academy ST, Canton, NC 28716
36-mo. Share Certificate
$1,000
1.05%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
15280 Us Highway 17, Hampstead, NC 28443
3 Year Certificate of Deposit
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMar 28, 2026
Details
Relationship APY
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
105 E Walnut St, Goldsboro, NC 27530 3648
3-Year Certificate
$0
0.80%
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
11115 S Tryon St, Charlotte, NC 28273
48 Month Fixed Rate IRA Certificates
$500
4.11%
▼
Rate4.05%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
1000 Saint Albans Dr, Raleigh, NC 27609
48 Month Certificate
$250
3.80%
▼
Rate3.74%
Min Deposit$250
Min Balance—
UpdatedMar 28, 2026
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
3700 South Blvd, Charlotte, NC 28209
Elite Jumbo CD 48-month
$250,000
3.75%
▼
Rate—
Min Deposit$250,000
Min Balance—
UpdatedMar 28, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Building 603 Suite 100, Liberty, NC 27298
48-Month Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$100,000 Minimum to Earn APY
Marine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.48%
4180 Western Blvd, Jacksonville, NC 28546 6740
48-Month IRA
$500
3.40%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Winston Salem Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
711 E SALEM AVE, WINSTON SALEM, NC 27101 5365
48 Month Certificate Savings Plan
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
4997 Home Rd, Winston Salem, NC 27106
48 Month Certificate
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
4100 Clemmons Rd, Clemmons, NC 27012
48 Month Term Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Atlanta Postal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
591 Brevard Rd, Asheville, NC 28810 0001
Jumbo Certificate 1 Year or Greater Account and Jumbo IRA Certificate 48 Month
$0
3.10%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
1475 N New Hope Rd, Gastonia, NC 28054
48-Month Certificate (Premier Member)
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC 27103 2993
IRA Certificate - 4 Year
$0
2.90%
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5712 Creedmoor Rd, Raleigh, NC 27612
48 month Share Certificate
$500
2.78%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
6502 McMahan Dr, Charlotte, NC 28226
48 Month Term Certificate
$500
2.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
67 Pitts Station Rd, Marion, NC 28752 7925
48-month term Regular CDs
$0
2.64%
▼
Rate2.61%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
302 Charlotte St, Hamlet, NC 28345
Regular Certificates 48 Month
$0
2.30%
▼
Rate2.27%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
9377 N US Highway 301, Whitakers, NC 27891 8621
Share Certificates 4 Year
$100,000
2.10%
▼
Rate2.08%
Min Deposit$100,000
Min Balance—
UpdatedMar 28, 2026
Details
Telco Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.49%
1720 Barlow Rd, Tarboro, NC 27886
48 Month Certificate
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Live Oak Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.35%
1757 Tiburon Dr, Wilmington, NC 28403
4-Year CD
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
3101 S Church St, Burlington, NC 27215
CDs and IRAs 4 Year
$0
1.35%
▼
Rate1.35%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
201 S Stratford Rd, Winston Salem, NC 27103
48-Month CD
$0
1.10%
▼
Rate1.09%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
105 E Walnut St, Goldsboro, NC 27530 3648
4-Year Certificate
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
11115 S Tryon St, Charlotte, NC 28273
60 Month Fixed Rate IRA Certificates
$500
4.22%
▼
Rate4.15%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
1000 Saint Albans Dr, Raleigh, NC 27609
60 Month Certificate
$250
3.80%
▼
Rate3.74%
Min Deposit$250
Min Balance—
UpdatedMar 28, 2026
Details
American Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
618 N Scales St, Reidsville, NC 27320 2941
60 Month IRA and Share Certificates
$500
3.75%
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
2098 Frontis Plaza Blvd Ste A, Winston Salem, NC 27103 5779
IRA Certificates 60-Month
$2,000
3.51%
▼
Rate3.45%
Min Deposit$2,000
Min Balance—
UpdatedMar 28, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
Building 603 Suite 100, Liberty, NC 27298
60-Month Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$100,000 Minimum to Earn APY
Marine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.48%
4180 Western Blvd, Jacksonville, NC 28546 6740
60-Month IRA
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
4100 Clemmons Rd, Clemmons, NC 27012
60 Month Term Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
4997 Home Rd, Winston Salem, NC 27106
60 Month Certificate
$500
3.30%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Mountain Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
1700 Russ Ave, Waynesville, NC 28786 5807
60 Month Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
CAROLINA
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
1200 E Church St, Cherryville, NC 28021 9211
5 Year CD
$0
3.20%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
($50,000 minimum)
Atlanta Postal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.86%
591 Brevard Rd, Asheville, NC 28810 0001
Jumbo Certificate 1 Year or Greater Account and Jumbo IRA Certificate 60 Month
$0
3.10%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
1475 N New Hope Rd, Gastonia, NC 28054
60-Month Certificate (Premier Member)
$500
3.00%
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC 27103 2993
IRA Certificate - 5 Year
$250,000
2.90%
▼
Rate2.86%
Min Deposit$250,000
Min Balance—
UpdatedMar 28, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
67 Pitts Station Rd, Marion, NC 28752 7925
60-month term Regular CDs
$0
2.84%
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
302 Charlotte St, Hamlet, NC 28345
Regular Certificates 60 Month
$0
2.80%
▼
Rate2.76%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Telco Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.49%
1720 Barlow Rd, Tarboro, NC 27886
IRA 60 Month Certificates
$0
2.33%
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
6502 McMahan Dr, Charlotte, NC 28226
60 Month Term Certificate
$500
2.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 28, 2026
Details
Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
9377 N US Highway 301, Whitakers, NC 27891 8621
Share Certificates 5 Year
$100,000
2.15%
▼
Rate2.13%
Min Deposit$100,000
Min Balance—
UpdatedMar 28, 2026
Details
Live Oak Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.35%
1757 Tiburon Dr, Wilmington, NC 28403
5-Year CD
$0
2.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
URW Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.37%
1092 NC Highway 86 N, Yanceyville, NC 27379
5 Year Share Certificates (Share & IRA)
$1,000
1.56%
▼
Rate1.55%
Min Deposit$1,000
Min Balance—
UpdatedMar 28, 2026
Details
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
3101 S Church St, Burlington, NC 27215
CDs and IRAs 5 Year
$0
1.51%
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
201 S Stratford Rd, Winston Salem, NC 27103
60-Month CD
$0
1.10%
▼
Rate1.09%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
15280 Us Highway 17, Hampstead, NC 28443
5 Year Choice CD
$250
1.00%
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedMar 28, 2026
Details
Relationship APY
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MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Mill Spring, NC CD Rate Trends
Compare local Mill Spring, NC CD rate quotes against the statewide average
Weekly CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — NC Avg
2.462%
▼ 0.418 from last week
North Carolina 12-month CD rates fell 0.418 points this week to 2.462% APY, down from 2.880% last week.
6-Month CD — NC Avg
1.738%
▼ 0.087 from last week
North Carolina 6-month CD rates fell 0.087 points this week to 1.738% APY, down from 1.825% last week.
As of Mar 28, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about CD Rates in Mill Spring, North Carolina
Are CD rates in Mill Spring, North Carolina FDIC insured?
Yes, most established banks in Mill Spring, 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 Mill Spring, 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 Mill Spring, 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 Mill Spring, 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 Mill Spring, North Carolina?
Here are recent top rates found for this area:
- Fort Financial Federal Credit Union: 4.50% APY (12-Month IRA/ESA Certificate Premier Member)
- U S POSTAL SERVICE: 4.25% APY (IRA Certificates 1 Year Starter Add-On)
- Founders Federal Credit Union: 4.22% APY (60 Month Fixed Rate IRA Certificates)
- ElecTel Cooperative Federal Credit Union: 4.20% APY (IRA Share Certificate (24 Month))
- Skyla Federal Credit Union: 4.15% APY (Elite Jumbo CD 36-month)
- COASTAL: 3.90% APY (12 Month Certificate)
- Lumbee Guaranty Bank: 3.82% APY (Individual Retirement Account (IRA) Certificate of Deposit* 36 Month Fixed Rate IRA)
- Carolinas Telco Federal Credit Union: 3.82% APY (6 month Share Certificate)
- Winston Salem Federal Credit Union: 3.82% APY (12 Month Certificate Savings Plan)
- Live Oak Bank: 3.80% APY (1-Year CD)
Rates reflect recent verified offers available in Mill Spring, North Carolina. Last Updated: March 28, 2026
CD Calculators
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Mill Spring, North Carolina directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Mill Spring, 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: March 28, 2026
Mill Spring, North Carolina Rates & Resources
