Raleigh, North Carolina Best CD Rates October 2026
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Brian McKay
iEditorial Disclosure
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.
Raleigh, North Carolina CD rates range from 0.01% to 5.00% APY, verified by MonitorBankRates as of October 23, 2026. Current Raleigh, North Carolina CD rates include Coastal Credit UnionCoastal Credit Union1000 Saint Albans Dr, Raleigh, NC 27609A+5.0 ★Texas Ratio: 4.34%Real return: +0.80%APY minus CPIRate verified Oct 19, 2026 offering 60-Month Certificate at 4.50% APY, Navy Federal Credit UnionNavy Federal Credit Union7870 Alexander Promenade Pl, Raleigh, NC 27617A5.0 ★Texas Ratio: 8.14%Real return: +0.65%APY minus CPIRate verified Oct 20, 2026 offering 12 Month Special EasyStart Certificate at 4.35% APY, TD BankTD Bank7320 Creedmoor Road, Raleigh, NC 27613A+5.0 ★Texas Ratio: 3.71%Real return: +0.60%APY minus CPIRate verified Oct 22, 2026 offering 24 Month TD Choice CD at 4.30% APY, State Employees Credit UnionState Employees Credit Union1000 Wade Ave, Raleigh, NC 27605A-5.0 ★Texas Ratio: 14.13%Real return: +0.60%APY minus CPIRate verified Oct 19, 2026 offering Share Term Certificates (STCs) - 18 months at 4.30% APY, and U S POSTAL SERVICEU S POSTAL SERVICE1 Floretta Pl, Raleigh, NC 27676 9803A+5.0 ★Texas Ratio: 4.33%Real return: +0.55%APY minus CPIRate verified Oct 19, 2026 offering IRA 1 Year Starter Add-On Certificate at 4.25% APY. CD rates as of October 23, 2026 according to verified data from MonitorBankRates.
Raleigh has 292 local institutions in our database, with CD rates as high as 4.50% APY from Coastal Credit Union at 1000 Saint Albans Dr, Raleigh, NC 27609. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader North Carolina area. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 23, 2026
Compare Best CD Rates in Raleigh, North Carolina & the Surrounding Area
Raleigh 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
702 Oberlin Road Suite 110, Raleigh, NC 27605
3 Month Standard CD
$1,000
3.00%
▲ 1.19% above North Carolina avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average1.81%▲ 1.19% above avgNationally 2.13%
Details
Standard CD/IRA term; minimum opening deposit CD $1,000, IRA $500
Rate History
No change since Oct 20, 2026 · 3.00% APY
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
8816 Six Forks Rd, Raleigh, NC 27615
CD - 3 Month
$0
2.94%
▲ 1.13% above North Carolina avg
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average1.81%▲ 1.13% above avgNationally 2.13%
Details
Rate History
No change since Sep 18, 2026 · 2.94% APY · checked 7 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
7320 Creedmoor Road, Raleigh, NC 27613
3 Month TD Choice CD
$250
2.00%
▲ 0.19% above North Carolina avg
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
North Carolina Average1.81%▲ 0.19% above avgNationally 2.13%
Details
Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 2 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
10050 Glenwood Ave, Raleigh, NC 27617
3 Month Certificate of Deposit
$500
2.00%
▲ 0.19% above North Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average1.81%▲ 0.19% above avgNationally 2.13%
Details
APY calculated on monthly compounding assuming interest remains on deposit until maturity
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 9 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
7320 Creedmoor Road, Raleigh, NC 27613
3 Month TD Choice CD
$250
1.99%
▲ 0.18% above North Carolina avg
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
North Carolina Average1.81%▲ 0.18% above avgNationally 2.13%
Details
Non-Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 1.99% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
7870 Alexander Promenade Pl, Raleigh, NC 27617
3 Month Short-Term Certificate
$0
1.55%
▼ 0.26% below North Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average1.81%▼ 0.26% below avgNationally 2.13%
Details
Balance: $100,000.00 and over; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 1.55% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
7870 Alexander Promenade Pl, Raleigh, NC 27617
3 Month Short-Term Certificate
$0
1.50%
▼ 0.31% below North Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average1.81%▼ 0.31% below avgNationally 2.13%
Details
Balance: $1,000.00 - $19,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 1.50% APY
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
4800 Six Forks Rd, Raleigh, NC 27609
3 Month Standard Rate CDs
$500
0.50%
▼ 1.31% below North Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
North Carolina Average1.81%▼ 1.31% below avgNationally 2.13%
Details
Rate History
No change since Sep 18, 2026 · 0.50% APY · checked 7 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
2001 Clark Ave, Raleigh, NC 27605
Standard Fixed Rate CD 3 month - Relationship
$2,500
0.06%
▼ 1.75% below North Carolina avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average1.81%▼ 1.75% below avgNationally 2.13%
Details
Relationship rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 4 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
2001 Clark Ave, Raleigh, NC 27605
Standard Fixed Rate CD 3 month
$2,500
0.05%
▼ 1.76% below North Carolina avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average1.81%▼ 1.76% below avgNationally 2.13%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
3000 Duraleigh Rd, Raleigh, NC 27612
3 Month Personal Certificate of Deposit
$1,000
0.05%
▼ 1.76% below North Carolina avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average1.81%▼ 1.76% below avgNationally 2.13%
Details
Standard rate for all terms 7 days - 60 months, all balances; Rates as of 5/12/2026
Rate History
No change since Oct 23, 2026 · 0.05% APY
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
8816 Six Forks Rd, Raleigh, NC 27615
90 Day Regular CD Account
$0
0.05%
▼ 1.76% below North Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average1.81%▼ 1.76% below avgNationally 2.13%
Details
Type: Regular; Next Steps: Open Now
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4300 Glenwood Ave, Raleigh, NC 27612
Certificate of Deposit - 3 Months
$1,000
0.03%
▼ 1.78% below North Carolina avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average1.81%▼ 1.78% below avgNationally 2.13%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4300 Glenwood Ave, Raleigh, NC 27612
Certificate of Deposit - 3 Months
$1,000
0.02%
▼ 1.79% below North Carolina avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average1.81%▼ 1.79% below avgNationally 2.13%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4300 Glenwood Ave, Raleigh, NC 27612
Certificate of Deposit - 3 Months
$1,000
0.01%
▼ 1.80% below North Carolina avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average1.81%▼ 1.80% below avgNationally 2.13%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
3 Month Certificates
$0
3.90%
▲ 2.09% above North Carolina avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
North Carolina Average1.81%▲ 2.09% above avgNationally 2.13%
Details
Dividend rate from comparison table
Rate History
No change since Oct 22, 2026 · 3.90% APY
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
IRA/HSA & Share Certificates - 3 Month Certificate
$5,000
3.75%
▲ 1.94% above North Carolina avg
▼
Rate3.69%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average1.81%▲ 1.94% above avgNationally 2.13%
Details
Rate = dividend rate; penalty for early withdrawal; 3 Month Certificate requires minimum deposit of $5,000
Rate History
No change since Oct 19, 2026 · 3.75% APY
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
Regular Certificate 3 Month
$0
3.50%
▲ 1.69% above North Carolina avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average1.81%▲ 1.69% above avgNationally 2.13%
Details
Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 2 times
Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
3 Month Certificate
$0
3.25%
▲ 1.44% above North Carolina avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average1.81%▲ 1.44% above avgNationally 2.13%
Details
Balance: $25,000 and over
Rate History
No change since Oct 22, 2026 · 3.25% APY · checked 2 times
Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
3 Month Certificate
$0
3.20%
▲ 1.39% above North Carolina avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average1.81%▲ 1.39% above avgNationally 2.13%
Details
Balance: $10,000 - $24,999.99
Rate History
No change since Oct 22, 2026 · 3.20% APY · checked 2 times
Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
3 Month Certificate
$0
3.15%
▲ 1.34% above North Carolina avg
▼
Rate3.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average1.81%▲ 1.34% above avgNationally 2.13%
Details
Balance: $500 - $9,999.99
Rate History
No change since Oct 22, 2026 · 3.15% APY · checked 2 times
Live Oak Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.23%
Business 3-Month CD
$0
3.00%
▲ 1.19% above North Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average1.81%▲ 1.19% above avgNationally 2.13%
Details
Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 2 times
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3 Month Regular, IRA & Business Jumbo Certificates
$0
2.65%
▲ 0.84% above North Carolina avg
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average1.81%▲ 0.84% above avgNationally 2.13%
Details
Rate History
No change since Oct 14, 2026 · 2.65% APY · checked 2 times
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3 Month Regular, IRA & Business Junior Jumbo Certificates
$0
2.55%
▲ 0.74% above North Carolina avg
▼
Rate2.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average1.81%▲ 0.74% above avgNationally 2.13%
Details
Rate History
No change since Oct 14, 2026 · 2.55% APY · checked 2 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
3 Month Term
$0
2.50%
▲ 0.69% above North Carolina avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average1.81%▲ 0.69% above avgNationally 2.13%
Details
Regular & IRA Certificates; Balance: $100,000 minimum
Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 8 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
Business 3 Month Term Certificate
$0
2.50%
▲ 0.69% above North Carolina avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average1.81%▲ 0.69% above avgNationally 2.13%
Details
Balance: $100,000 and over
Rate History
No change since Oct 14, 2026 · 2.50% APY · checked 2 times
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
3 Month Certificate
$500
2.50%
▲ 0.69% above North Carolina avg
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average1.81%▲ 0.69% above avgNationally 2.13%
Details
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 8 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
3 Month Term
$0
2.45%
▲ 0.64% above North Carolina avg
▼
Rate2.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average1.81%▲ 0.64% above avgNationally 2.13%
Details
Regular & IRA Certificates; Balance: $25,000 minimum
Rate History
No change since Sep 18, 2026 · 2.45% APY · checked 8 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
Business 3 Month Term Certificate
$0
2.45%
▲ 0.64% above North Carolina avg
▼
Rate2.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average1.81%▲ 0.64% above avgNationally 2.13%
Details
Balance: $25,000 - $99,999.99
Rate History
No change since Oct 14, 2026 · 2.45% APY · checked 2 times
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
3 Month Regular, IRA & Business Certificates
$0
2.45%
▲ 0.64% above North Carolina avg
▼
Rate2.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average1.81%▲ 0.64% above avgNationally 2.13%
Details
Rate History
No change since Oct 14, 2026 · 2.45% APY · checked 2 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
3 Month Term
$0
2.40%
▲ 0.59% above North Carolina avg
▼
Rate2.37%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average1.81%▲ 0.59% above avgNationally 2.13%
Details
Regular & IRA Certificates; Balance: $5,000 minimum
Rate History
No change since Sep 18, 2026 · 2.40% APY · checked 8 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
Business 3 Month Term Certificate
$0
2.40%
▲ 0.59% above North Carolina avg
▼
Rate2.37%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average1.81%▲ 0.59% above avgNationally 2.13%
Details
Balance: $5,000 - $24,999.99
Rate History
No change since Oct 14, 2026 · 2.40% APY · checked 2 times
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
IRA 3 Month Certificate
$500
2.40%
▲ 0.59% above North Carolina avg
▼
Rate2.37%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average1.81%▲ 0.59% above avgNationally 2.13%
Details
Published APY range: 2.40% - 2.60%; Published rate range: 2.37% - 2.57%. Balance: $500.00 - $250,000.00
Rate History
No change since Oct 23, 2026 · 2.40% APY
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
3 Month Term
$0
2.34%
▲ 0.53% above North Carolina avg
▼
Rate2.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average1.81%▲ 0.53% above avgNationally 2.13%
Details
Regular & IRA Certificates; Balance: $250 minimum
Rate History
No change since Sep 18, 2026 · 2.34% APY · checked 8 times
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
Business 3 Month Term Certificate
$0
2.34%
▲ 0.53% above North Carolina avg
▼
Rate2.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average1.81%▲ 0.53% above avgNationally 2.13%
Details
Balance: $250 - $4,999.99
Rate History
No change since Oct 14, 2026 · 2.34% APY · checked 2 times
Revity Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.13%
Jumbo & Jumbo IRA Certificate - 3 Month
$50,000
2.33%
▲ 0.52% above North Carolina avg
▼
Rate2.30%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average1.81%▲ 0.52% above avgNationally 2.13%
Details
Members age 55+ receive 0.15% bonus dividend above current Certificate rate
Rate History
No change since Sep 14, 2026 · 2.33% APY · checked 8 times
Revity Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.13%
Mini Jumbo & Mini Jumbo IRA Certificate - 3 Month
$10,000
2.33%
▲ 0.52% above North Carolina avg
▼
Rate2.30%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average1.81%▲ 0.52% above avgNationally 2.13%
Details
Members age 55+ receive 0.15% bonus dividend above current Certificate rate
Rate History
No change since Sep 14, 2026 · 2.33% APY · checked 5 times
Revity Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.13%
Regular & IRA Certificate - 3 Month
$500
2.33%
▲ 0.52% above North Carolina avg
▼
Rate2.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average1.81%▲ 0.52% above avgNationally 2.13%
Details
Add-on availability with Regular Certificates only; members age 55+ receive 0.15% bonus dividend above current Certificate rate; Youth Club/Teen Club may open with $100 minimum
Rate History
No change since Sep 14, 2026 · 2.33% APY · checked 8 times
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3 Month Certificate
$500
2.30%
▲ 0.49% above North Carolina avg
▼
Rate2.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average1.81%▲ 0.49% above avgNationally 2.13%
Details
Published rate range: 2.27% - 2.47%. Balance: $500.00 - $250,000.00; APY range: 2.30% - 2.50%; Rate effective as of 02.17.26
Rate History
No change since Sep 14, 2026 · 2.30% APY · checked 7 times
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
IRA Certificates - 3 Months
$0
2.15%
▲ 0.34% above North Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average1.81%▲ 0.34% above avgNationally 2.13%
Details
Effective January 2, 2026; IRA Certificates can be used as Traditional or Roth IRAs, or for Coverdell Education Savings; Early withdrawal penalties apply; Dividends compounded and paid monthly
Rate History
No change since Sep 14, 2026 · 2.15% APY · checked 3 times
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
Share Certificates 3 Months
$0
2.15%
▲ 0.34% above North Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average1.81%▲ 0.34% above avgNationally 2.13%
Details
Dividends compounded and paid monthly; early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 2.15% APY · checked 7 times
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
Young Certificates - 3 Months
$0
2.15%
▲ 0.34% above North Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average1.81%▲ 0.34% above avgNationally 2.13%
Details
For Youth (under age 18) and Young Adults (through age 23); Early withdrawal penalties apply; Dividends compounded and paid monthly; Effective January 2, 2026
Rate History
No change since Sep 14, 2026 · 2.15% APY · checked 2 times
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
Standard Personal Share Certificates - 90 Days
$0
2.02%
▲ 0.21% above North Carolina avg
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average1.81%▲ 0.21% above avgNationally 2.13%
Details
Opening deposit of $10,000.00 and above
Rate History
1 change since Oct 12, 2026 · 1.92% → 2.02% ▲ 0.10 pts · high 2.02% / low 1.92%
- Oct 23, 20262.02%▲ from 1.92%
- Oct 12, 20261.92%first recorded
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
Standard Personal Share Certificates - 90 Days
$0
1.92%
▲ 0.11% above North Carolina avg
▼
Rate1.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average1.81%▲ 0.11% above avgNationally 2.13%
Details
Balance: $500.00 - $9,999.99; Opening deposit between $500 - $9,999.99; Early withdrawal penalties may apply and reduce earnings.
Rate History
No change since Oct 12, 2026 · 1.92% APY · checked 3 times
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Share and IRA Certificates - 3 Months - With Bonus Rate
$0
1.60%
▼ 0.21% below North Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average1.81%▼ 0.21% below avgNationally 2.13%
Details
Bonus rate of 0.10% APY when the Tax Reported Owner is also the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00; Minimum balance for consumer is $500; Effective Date: October 01, 2026; A penalty may be charged for early withdrawal
Rate History
No change since Oct 23, 2026 · 1.60% APY
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Share Certificate - 3 Months - Bonus Rate
$0
1.60%
▼ 0.21% below North Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average1.81%▼ 0.21% below avgNationally 2.13%
Details
Bonus rate; Requires Tax Reported Owner of an Ultra Checking account with average monthly balance of at least $1.00; Minimum balance for consumer is $500; Renew a Maturing Share Certificate
Rate History
No change since Oct 23, 2026 · 1.60% APY
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Share and IRA Certificates - 3 Months
$0
1.50%
▼ 0.31% below North Carolina avg
▼
Rate1.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average1.81%▼ 0.31% below avgNationally 2.13%
Details
Effective Date: October 01, 2026; A penalty may be charged for early withdrawal
Rate History
No change since Oct 12, 2026 · 1.50% APY · checked 3 times
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Share Certificate - 3 Months
$0
1.50%
▼ 0.31% below North Carolina avg
▼
Rate1.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average1.81%▼ 0.31% below avgNationally 2.13%
Details
Renew a Maturing Share Certificate; Minimum balance for consumer is $500; Early withdrawal penalty may apply
Rate History
No change since Oct 15, 2026 · 1.50% APY · checked 2 times
Fort Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
3 Month Term Share Certificate - Regular Term
$500
1.00%
▼ 0.81% below North Carolina avg
▼
Rate1.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average1.81%▼ 0.81% below avgNationally 2.13%
Details
Type: FIXED; Dividend Rate: 1.00%; Minimum deposit to earn advertised APY depends on term; Early withdrawal penalty: 90 days of dividends (term 24 months or less)
Rate History
No change since Oct 13, 2026 · 1.00% APY · checked 2 times
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
Share Certificates - 3 Month
$0
0.90%
▼ 0.91% below North Carolina avg
▼
Rate0.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average1.81%▼ 0.91% below avgNationally 2.13%
Details
Minimum deposit tier: $100,000
Rate History
No change since Oct 14, 2026 · 0.90% APY · checked 2 times
Raleigh 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Coastal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1000 Saint Albans Dr, Raleigh, NC 27609
6-Month Certificate
$250
4.00%
▲ 1.13% above North Carolina avg
▼
Rate3.93%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average2.87%▲ 1.13% above avgNationally 2.78%
Details
Effective Date: 07/14/2026
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
Coastal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1000 Saint Albans Dr, Raleigh, NC 27609
IRA Certificate - 6 Month
$250
4.00%
▲ 1.13% above North Carolina avg
▼
Rate3.93%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average2.87%▲ 1.13% above avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 2 times
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.13%
1000 Wade Ave, Raleigh, NC 27605
Share Term Certificates (STCs) - 6 months
$250
3.85%
▲ 0.98% above North Carolina avg
▼
Rate3.85%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average2.87%▲ 0.98% above avgNationally 2.78%
Details
Interest rate and APY: 3.85% / 3.85% APY
Rate History
No change since Oct 13, 2026 · 3.85% APY · checked 2 times
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
323 W Jones St, Raleigh, NC 27603 1369
6 Month Business Jumbo Choice Certificate 6
$75,000
3.80%
▲ 0.93% above North Carolina avg
▼
Rate3.73%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average2.87%▲ 0.93% above avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 10 times
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
323 W Jones St, Raleigh, NC 27603 1369
6 Month Jumbo Choice Certificate 6
$75,000
3.80%
▲ 0.93% above North Carolina avg
▼
Rate3.73%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average2.87%▲ 0.93% above avgNationally 2.78%
Details
Effective Date: 09/2/2026
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 10 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
239 Fayetteville St, Raleigh, NC 27601
6-Month Term CD
$1,000
3.75%
▲ 0.88% above North Carolina avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average2.87%▲ 0.88% above avgNationally 2.78%
Details
Rate History
No change since Oct 19, 2026 · 3.75% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
239 Fayetteville St, Raleigh, NC 27601
Term CD - 6-Month
$1,000
3.75%
▲ 0.88% above North Carolina avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average2.87%▲ 0.88% above avgNationally 2.78%
Details
Minimum of $1,000 to open your account
Rate History
No change since Oct 19, 2026 · 3.75% APY
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
323 W Jones St, Raleigh, NC 27603 1369
6 Month IRA Choice Certificate 6
$250
3.70%
▲ 0.83% above North Carolina avg
▼
Rate3.63%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average2.87%▲ 0.83% above avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 10 times
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
3400 Sumner Blvd, Raleigh, NC 27616
IRA Share Certificate (180 Day)
$500
3.70%
▲ 0.83% above North Carolina avg
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average2.87%▲ 0.83% above avgNationally 2.78%
Details
IRA; applicable to Roth and Traditional IRA Share Certificate Deposits
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
RTP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
7560 Creedmoor Rd, Raleigh, NC 27613 1641
Business Certificate Accounts - 6 Months
$250
3.56%
▲ 0.69% above North Carolina avg
▼
Rate3.50%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average2.87%▲ 0.69% above avgNationally 2.78%
Details
Rate History
No change since Oct 15, 2026 · 3.56% APY · checked 2 times
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
4418 Fayetteville Rd, Raleigh, NC 27603
6 Month Term Certificates Jumbo
$200,000
3.40%
▲ 0.53% above North Carolina avg
▼
Rate3.40%
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average2.87%▲ 0.53% above avgNationally 2.78%
Details
$200K; Effective as of October 1st, 2026
Rate History
No change since Oct 14, 2026 · 3.40% APY · checked 2 times
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
4418 Fayetteville Rd, Raleigh, NC 27603
6 Month Term Certificates Jumbo
$100,000
3.35%
▲ 0.48% above North Carolina avg
▼
Rate3.35%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average2.87%▲ 0.48% above avgNationally 2.78%
Details
$100k
Rate History
No change since Oct 14, 2026 · 3.35% APY · checked 2 times
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
5712 Creedmoor Rd, Raleigh, NC 27612
IRA 6 Month Certificate
$500
3.30%
▲ 0.43% above North Carolina avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average2.87%▲ 0.43% above avgNationally 2.78%
Details
IRA Certificate Accounts
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 8 times
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
5712 Creedmoor Rd, Raleigh, NC 27612
Share Certificate Accounts - 6 month
$500
3.30%
▲ 0.43% above North Carolina avg
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average2.87%▲ 0.43% above avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 2 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
8816 Six Forks Rd, Raleigh, NC 27615
CD - 6 Month
$0
3.20%
▲ 0.33% above North Carolina avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average2.87%▲ 0.33% above avgNationally 2.78%
Details
Rate History
No change since Sep 18, 2026 · 3.20% APY · checked 7 times
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
4418 Fayetteville Rd, Raleigh, NC 27603
Share Term Certificates Regular - 6 Months
$500
3.20%
▲ 0.33% above North Carolina avg
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average2.87%▲ 0.33% above avgNationally 2.78%
Details
Effective as of October 1st, 2026
Rate History
No change since Sep 14, 2026 · 3.20% APY · checked 3 times
SouthState Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
6623 Falls Of Neuse Rd, Raleigh, NC 27615
6 Month Certificate of Deposit
$1,000
3.15%
▲ 0.28% above North Carolina avg
▼
Rate3.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
North Carolina Average2.87%▲ 0.28% above avgNationally 2.78%
Details
Advertised interest rates and APY for CDs are subject to change prior to account opening and fixed upon opening for the term. APY assumes monthly compounding.
Rate History
No change since Oct 22, 2026 · 3.15% APY
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
702 Oberlin Road Suite 110, Raleigh, NC 27605
6 Month Standard CD
$1,000
3.00%
▲ 0.13% above North Carolina avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average2.87%▲ 0.13% above avgNationally 2.78%
Details
Standard CD/IRA term; minimum opening deposit CD $1,000, IRA $500
Rate History
No change since Oct 20, 2026 · 3.00% APY
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
10050 Glenwood Ave, Raleigh, NC 27617
6 Month Certificate of Deposit
$500
2.25%
▼ 0.62% below North Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average2.87%▼ 0.62% below avgNationally 2.78%
Details
APY calculated on monthly compounding assuming interest remains on deposit until maturity
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 9 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
10050 Glenwood Ave, Raleigh, NC 27617
6 Month IRA Certificate of Deposit
$500
2.25%
▼ 0.62% below North Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average2.87%▼ 0.62% below avgNationally 2.78%
Details
Early withdrawal penalties may apply
Rate History
No change since Sep 27, 2026 · 2.25% APY · checked 2 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
7320 Creedmoor Road, Raleigh, NC 27613
6 Month TD Choice CD
$250
2.00%
▼ 0.87% below North Carolina avg
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
North Carolina Average2.87%▼ 0.87% below avgNationally 2.78%
Details
Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 2 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
7320 Creedmoor Road, Raleigh, NC 27613
6 Month TD Choice CD
$250
1.99%
▼ 0.88% below North Carolina avg
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
North Carolina Average2.87%▼ 0.88% below avgNationally 2.78%
Details
Non-Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 1.99% APY · checked 2 times
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
4800 Six Forks Rd, Raleigh, NC 27609
6 Month Standard Rate CDs
$500
1.75%
▼ 1.12% below North Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
North Carolina Average2.87%▼ 1.12% below avgNationally 2.78%
Details
Rate History
No change since Sep 18, 2026 · 1.75% APY · checked 7 times
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
8816 Six Forks Rd, Raleigh, NC 27615
180 Day Regular CD Account
$0
0.10%
▼ 2.77% below North Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average2.87%▼ 2.77% below avgNationally 2.78%
Details
Type: Regular; Next Steps: Open Now
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 5 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
2001 Clark Ave, Raleigh, NC 27605
Standard Fixed Rate CD 6 month - Relationship
$2,500
0.06%
▼ 2.81% below North Carolina avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average2.87%▼ 2.81% below avgNationally 2.78%
Details
Relationship rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 4 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
7320 Creedmoor Road, Raleigh, NC 27613
6 Month TD No Catch CD
$0
0.05%
▼ 2.82% below North Carolina avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
North Carolina Average2.87%▼ 2.82% below avgNationally 2.78%
Details
6 Month TD No Catch CD
Rate History
No change since Oct 20, 2026 · 0.05% APY · checked 2 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
2001 Clark Ave, Raleigh, NC 27605
Standard Fixed Rate CD 6 month
$2,500
0.05%
▼ 2.82% below North Carolina avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average2.87%▼ 2.82% below avgNationally 2.78%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 27, 2026 · 0.05% APY · checked 4 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
3000 Duraleigh Rd, Raleigh, NC 27612
6 Month Personal Certificate of Deposit
$1,000
0.05%
▼ 2.82% below North Carolina avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average2.87%▼ 2.82% below avgNationally 2.78%
Details
Standard rate for all terms 7 days - 60 months, all balances; Rates as of 5/12/2026
Rate History
No change since Oct 23, 2026 · 0.05% APY
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4300 Glenwood Ave, Raleigh, NC 27612
Certificate of Deposit - 6 Months
$1,000
0.03%
▼ 2.84% below North Carolina avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average2.87%▼ 2.84% below avgNationally 2.78%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4300 Glenwood Ave, Raleigh, NC 27612
IRA CD 6 Months
$250
0.03%
▼ 2.84% below North Carolina avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average2.87%▼ 2.84% below avgNationally 2.78%
Details
Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4300 Glenwood Ave, Raleigh, NC 27612
Certificate of Deposit - 6 Months
$1,000
0.02%
▼ 2.85% below North Carolina avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average2.87%▼ 2.85% below avgNationally 2.78%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4300 Glenwood Ave, Raleigh, NC 27612
IRA CD 6 Months
$250
0.02%
▼ 2.85% below North Carolina avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average2.87%▼ 2.85% below avgNationally 2.78%
Details
Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4300 Glenwood Ave, Raleigh, NC 27612
Certificate of Deposit - 6 Months
$1,000
0.01%
▼ 2.86% below North Carolina avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average2.87%▼ 2.86% below avgNationally 2.78%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4300 Glenwood Ave, Raleigh, NC 27612
IRA CD 6 Months
$250
0.01%
▼ 2.86% below North Carolina avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average2.87%▼ 2.86% below avgNationally 2.78%
Details
Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 2 times
Live Oak Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.23%
Business 6-Month CD
$0
4.20%
▲ 1.33% above North Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average2.87%▲ 1.33% above avgNationally 2.78%
Details
Rate History
No change since Oct 14, 2026 · 4.20% APY · checked 2 times
Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
6 Month Certificate
$0
4.10%
▲ 1.23% above North Carolina avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average2.87%▲ 1.23% above avgNationally 2.78%
Details
Balance: $25,000 and over
Rate History
1 change since Oct 22, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
- Oct 23, 20264.10%▲ from 4.00%
- Oct 22, 20264.00%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
6 Month Jumbo CD
$50,000
4.10%
▲ 1.23% above North Carolina avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average2.87%▲ 1.23% above avgNationally 2.78%
Details
Rate History
1 change since Sep 21, 2026 · 3.75% → 4.10% ▲ 0.35 pts · high 4.10% / low 3.75%
- Oct 5, 20264.10%▲ from 3.75%
- Sep 21, 20263.75%first recorded
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
IRA/HSA & Share Certificates - 6 Month Certificate
$500
4.10%
▲ 1.23% above North Carolina avg
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average2.87%▲ 1.23% above avgNationally 2.78%
Details
Rate = dividend rate; penalty for early withdrawal; minimum deposit $500
Rate History
No change since Oct 19, 2026 · 4.10% APY
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
6-Month Business CD
$2,500
4.10%
▲ 1.23% above North Carolina avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
North Carolina Average2.87%▲ 1.23% above avgNationally 2.78%
Details
APY accurate as of 10/22/2026; maximum deposit $10 million; not available for public units; limited-time offer; early withdrawal penalties apply
Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 3 times
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
6-Month CD
$2,500
4.10%
▲ 1.23% above North Carolina avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
North Carolina Average2.87%▲ 1.23% above avgNationally 2.78%
Details
Rate History
1 change since Sep 14, 2026 · 3.70% → 4.10% ▲ 0.40 pts · high 4.10% / low 3.70%
- Oct 10, 20264.10%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
6 Month Certificate
$0
4.05%
▲ 1.18% above North Carolina avg
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average2.87%▲ 1.18% above avgNationally 2.78%
Details
Balance: $10,000 - $24,999.99
Rate History
1 change since Oct 22, 2026 · 4.00% → 4.05% ▲ 0.05 pts · high 4.05% / low 4.00%
- Oct 23, 20264.05%▲ from 4.00%
- Oct 22, 20264.00%first recorded
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.95%
6 Month Share Certificate
$500
4.02%
▲ 1.15% above North Carolina avg
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average2.87%▲ 1.15% above avgNationally 2.78%
Details
Rate History
No change since Oct 13, 2026 · 4.02% APY · checked 2 times
Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
6 Month Certificate
$0
4.00%
▲ 1.13% above North Carolina avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average2.87%▲ 1.13% above avgNationally 2.78%
Details
Balance: $500 - $9,999.99
Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 2 times
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
6 Month IRA Traditional & Roth CD
$500
4.00%
▲ 1.13% above North Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average2.87%▲ 1.13% above avgNationally 2.78%
Details
Rate History
1 change since Sep 21, 2026 · 3.65% → 4.00% ▲ 0.35 pts · high 4.00% / low 3.65%
- Oct 13, 20264.00%▲ from 3.65%
- Sep 21, 20263.65%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
6 Month Regular CD
$500
4.00%
▲ 1.13% above North Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average2.87%▲ 1.13% above avgNationally 2.78%
Details
Rate History
1 change since Sep 21, 2026 · 3.65% → 4.00% ▲ 0.35 pts · high 4.00% / low 3.65%
- Oct 5, 20264.00%▲ from 3.65%
- Sep 21, 20263.65%first recorded
CAROLINA
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
6 Month CD
$1,000
3.90%
▲ 1.03% above North Carolina avg
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average2.87%▲ 1.03% above avgNationally 2.78%
Details
$1,000 minimum
Rate History
1 change since Sep 14, 2026 · 3.60% → 3.90% ▲ 0.30 pts · high 3.90% / low 3.60%
- Oct 6, 20263.90%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Mcdowell Cornerstone Credit Union CU
Institution Rating:
A5.0 ★Texas Ratio: 8.17%
6 Month Certificate
$1,000
3.80%
▲ 0.93% above North Carolina avg
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average2.87%▲ 0.93% above avgNationally 2.78%
Details
Certificate Type: $1,000.00; APY is the Annual Percentage Yield
Rate History
1 change since Sep 18, 2026 · 3.91% → 3.80% ▼ 0.11 pts · high 3.91% / low 3.80%
- Oct 9, 20263.80%▼ from 3.91%
- Sep 18, 20263.91%first recorded
First Carolina Peoples Credit Union
Institution Rating:
F2.0 ★Texas Ratio: 51.11%
Share Certificates - 6 Months
$0
3.80%
▲ 0.93% above North Carolina avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average2.87%▲ 0.93% above avgNationally 2.78%
Details
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 2 times
Welcome Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
Certificates - 6 Months
$500
3.75%
▲ 0.88% above North Carolina avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average2.87%▲ 0.88% above avgNationally 2.78%
Details
Limited time offer; Auto-renews; Dividends compounded quarterly
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Oct 19, 20263.75%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Telco Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.00%
6 Month Certificate
$0
3.75%
▲ 0.88% above North Carolina avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
North Carolina Average2.87%▲ 0.88% above avgNationally 2.78%
Details
Rate History
No change since Oct 22, 2026 · 3.75% APY
Raleigh 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
7870 Alexander Promenade Pl, Raleigh, NC 27617
12 Month Special EasyStart Certificate
$50
4.35%
▲ 1.22% above North Carolina avg
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average3.13%▲ 1.22% above avgNationally 2.99%
Details
Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 6 times
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
1 Floretta Pl, Raleigh, NC 27676 9803
IRA 1 Year Starter Add-On Certificate
$0
4.25%
▲ 1.12% above North Carolina avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average3.13%▲ 1.12% above avgNationally 2.99%
Details
Maximum Balance $1,000.00; Traditional, Roth & Coverdell Education; Rates Set: Monthly; Add funds at any time throughout the certificate term up to $1,000; Limit One Per Member Under 18 Years of Age; Must have a Regular IRA Savings Account in order to open; penalty for early withdrawal
Rate History
No change since Oct 19, 2026 · 4.25% APY
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
7320 Creedmoor Road, Raleigh, NC 27613
12 Month TD Choice CD
$250
4.15%
▲ 1.02% above North Carolina avg
▼
Rate4.07%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
North Carolina Average3.13%▲ 1.02% above avgNationally 2.99%
Details
Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 4.15% APY · checked 2 times
Coastal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1000 Saint Albans Dr, Raleigh, NC 27609
12-Month Certificate
$250
4.15%
▲ 1.02% above North Carolina avg
▼
Rate4.07%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average3.13%▲ 1.02% above avgNationally 2.99%
Details
Effective Date: 09/28/2026
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
- Oct 1, 20264.15%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Coastal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1000 Saint Albans Dr, Raleigh, NC 27609
IRA Certificate - 12 Month
$250
4.15%
▲ 1.02% above North Carolina avg
▼
Rate4.07%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average3.13%▲ 1.02% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
- Oct 19, 20264.15%▲ from 4.00%
- Sep 14, 20264.00%first recorded
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
7320 Creedmoor Road, Raleigh, NC 27613
12 Month TD Choice CD
$250
4.14%
▲ 1.01% above North Carolina avg
▼
Rate4.06%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
North Carolina Average3.13%▲ 1.01% above avgNationally 2.99%
Details
Non-Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 4.14% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
7870 Alexander Promenade Pl, Raleigh, NC 27617
12 Month Short-Term Certificate
$0
4.10%
▲ 0.97% above North Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average3.13%▲ 0.97% above avgNationally 2.99%
Details
Balance: $100,000.00 and over; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 4.10% APY
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
323 W Jones St, Raleigh, NC 27603 1369
12 Month Business Jumbo Choice Certificate 12
$75,000
4.10%
▲ 0.97% above North Carolina avg
▼
Rate4.02%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average3.13%▲ 0.97% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 10 times
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
323 W Jones St, Raleigh, NC 27603 1369
12 Month Jumbo Choice Certificate 12
$75,000
4.10%
▲ 0.97% above North Carolina avg
▼
Rate4.02%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average3.13%▲ 0.97% above avgNationally 2.99%
Details
Effective Date: 09/2/2026
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 10 times
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
1 Floretta Pl, Raleigh, NC 27676 9803
Starter Certificate - 1 Year Add-On
$0
4.10%
▲ 0.97% above North Carolina avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average3.13%▲ 0.97% above avgNationally 2.99%
Details
Maximum Balance $1,000; Add funds throughout the certificate term; Rates Set: Monthly; Limit One Per Member; early withdrawal penalty applies
Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 2 times
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
1 Floretta Pl, Raleigh, NC 27676 9803
Young Saver's Certificates - 1 Year Add-On
$0
4.10%
▲ 0.97% above North Carolina avg
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average3.13%▲ 0.97% above avgNationally 2.99%
Details
Balance: $1.00 - $1,000.00; Rates set monthly; Add funds at any time throughout the certificate term up to $1,000; Limit one per member under 18 years of age; Early withdrawal penalty applies
Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
7870 Alexander Promenade Pl, Raleigh, NC 27617
12 Month Short-Term Certificate
$0
4.05%
▲ 0.92% above North Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average3.13%▲ 0.92% above avgNationally 2.99%
Details
Balance: $1,000.00 - $19,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 4.05% APY
Mechanics & Farmers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
13 E Hargett St, Raleigh, NC 27601
12-Month CD
$0
4.01%
▲ 0.88% above North Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
North Carolina Average3.13%▲ 0.88% above avgNationally 2.99%
Details
Limited-time CD special; Empower Your Savings with This Limited-Time CD Special; Offer available Sept. 28, 2026 through Dec. 31, 2026
Rate History
No change since Oct 8, 2026 · 4.01% APY · checked 3 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
7870 Alexander Promenade Pl, Raleigh, NC 27617
12 Month EasyStart Certificate
$50
4.00%
▲ 0.87% above North Carolina avg
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average3.13%▲ 0.87% above avgNationally 2.99%
Details
Share, IRA, ESA; Rates as of Oct 19, 2026 ET
Rate History
No change since Oct 20, 2026 · 4.00% APY
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
323 W Jones St, Raleigh, NC 27603 1369
12 Month IRA Choice Certificate 12
$250
4.00%
▲ 0.87% above North Carolina avg
▼
Rate3.92%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average3.13%▲ 0.87% above avgNationally 2.99%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 10 times
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.13%
1000 Wade Ave, Raleigh, NC 27605
Share Term Certificates (STCs) - 12 months
$250
4.00%
▲ 0.87% above North Carolina avg
▼
Rate4.00%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average3.13%▲ 0.87% above avgNationally 2.99%
Details
Interest rate and APY: 4.00% / 4.00% APY
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
239 Fayetteville St, Raleigh, NC 27601
1-Year Term CD
$1,000
4.00%
▲ 0.87% above North Carolina avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average3.13%▲ 0.87% above avgNationally 2.99%
Details
Rate History
No change since Oct 19, 2026 · 4.00% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
239 Fayetteville St, Raleigh, NC 27601
Term CD - 1-Year
$1,000
4.00%
▲ 0.87% above North Carolina avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average3.13%▲ 0.87% above avgNationally 2.99%
Details
Minimum of $1,000 to open your account; 1-Year Term CD renews automatically for the same term
Rate History
No change since Oct 19, 2026 · 4.00% APY
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
7029 Harps Mill Rd, Raleigh, NC 27615
IRA Term Certificate - 12 Months
$0
3.98%
▲ 0.85% above North Carolina avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
North Carolina Average3.13%▲ 0.85% above avgNationally 2.99%
Details
Effective Date: October 1, 2026; All term share accounts are fixed rate accounts
Rate History
No change since Oct 22, 2026 · 3.98% APY
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
7029 Harps Mill Rd, Raleigh, NC 27615
Term Certificate - 12 Months
$0
3.98%
▲ 0.85% above North Carolina avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
North Carolina Average3.13%▲ 0.85% above avgNationally 2.99%
Details
Effective Date: October 1, 2026
Rate History
1 change since Sep 15, 2026 · 3.72% → 3.98% ▲ 0.26 pts · high 3.98% / low 3.72%
- Oct 22, 20263.98%▲ from 3.72%
- Sep 15, 20263.72%first recorded
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
5712 Creedmoor Rd, Raleigh, NC 27612
IRA 12 Month Certificate
$500
3.92%
▲ 0.79% above North Carolina avg
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average3.13%▲ 0.79% above avgNationally 2.99%
Details
IRA Certificate Accounts
Rate History
1 change since Sep 14, 2026 · 3.66% → 3.92% ▲ 0.26 pts · high 3.92% / low 3.66%
- Oct 9, 20263.92%▲ from 3.66%
- Sep 14, 20263.66%first recorded
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
5712 Creedmoor Rd, Raleigh, NC 27612
Share Certificate Accounts - 12 month
$500
3.92%
▲ 0.79% above North Carolina avg
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average3.13%▲ 0.79% above avgNationally 2.99%
Details
Rate History
1 change since Sep 14, 2026 · 3.66% → 3.92% ▲ 0.26 pts · high 3.92% / low 3.66%
- Oct 23, 20263.92%▲ from 3.66%
- Sep 14, 20263.66%first recorded
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.20%
6308 Falls of Neuse Rd, Raleigh, NC 27615
12 Month Fixed Rate Certificate
$0
3.85%
▲ 0.72% above North Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average3.13%▲ 0.72% above avgNationally 2.99%
Details
Rate History
No change since Sep 24, 2026 · 3.85% APY · checked 3 times
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
3400 Sumner Blvd, Raleigh, NC 27616
IRA Share Certificate (12 Month)
$500
3.85%
▲ 0.72% above North Carolina avg
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average3.13%▲ 0.72% above avgNationally 2.99%
Details
IRA; applicable to Roth and Traditional IRA Share Certificate Deposits
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 8 times
RTP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
7560 Creedmoor Rd, Raleigh, NC 27613 1641
Business Certificate Accounts - 12 Months
$250
3.72%
▲ 0.59% above North Carolina avg
▼
Rate3.65%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average3.13%▲ 0.59% above avgNationally 2.99%
Details
Rate History
No change since Oct 15, 2026 · 3.72% APY · checked 2 times
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
4418 Fayetteville Rd, Raleigh, NC 27603
12 Month Term Certificates Jumbo
$200,000
3.70%
▲ 0.57% above North Carolina avg
▼
Rate3.70%
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average3.13%▲ 0.57% above avgNationally 2.99%
Details
$200K; Effective as of October 1st, 2026
Rate History
No change since Oct 14, 2026 · 3.70% APY · checked 2 times
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
4418 Fayetteville Rd, Raleigh, NC 27603
12 Month Term Certificates Jumbo
$100,000
3.65%
▲ 0.52% above North Carolina avg
▼
Rate3.65%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average3.13%▲ 0.52% above avgNationally 2.99%
Details
$100k
Rate History
No change since Oct 14, 2026 · 3.65% APY · checked 2 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
8816 Six Forks Rd, Raleigh, NC 27615
CD - 12 Month
$0
3.51%
▲ 0.38% above North Carolina avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average3.13%▲ 0.38% above avgNationally 2.99%
Details
Rate History
No change since Sep 18, 2026 · 3.51% APY · checked 7 times
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
4418 Fayetteville Rd, Raleigh, NC 27603
Share Term Certificates Regular - 12 Months
$500
3.50%
▲ 0.37% above North Carolina avg
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average3.13%▲ 0.37% above avgNationally 2.99%
Details
Effective as of October 1st, 2026
Rate History
1 change since Sep 14, 2026 · 3.40% → 3.50% ▲ 0.10 pts · high 3.50% / low 3.40%
- Oct 14, 20263.50%▲ from 3.40%
- Sep 14, 20263.40%first recorded
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
1 Floretta Pl, Raleigh, NC 27676 9803
IRA 1 Year Certificate
$0
3.45%
▲ 0.32% above North Carolina avg
▼
Rate3.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average3.13%▲ 0.32% above avgNationally 2.99%
Details
Traditional, Roth & Coverdell Education; Rates Set: Monthly; Must have a Regular IRA Savings Account in order to open; penalty for early withdrawal
Rate History
No change since Oct 19, 2026 · 3.45% APY
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
3000 Duraleigh Rd, Raleigh, NC 27612
12 Month CD Special
$0
3.25%
▲ 0.12% above North Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average3.13%▲ 0.12% above avgNationally 2.99%
Details
Special rate on select new CD accounts for balances $100,000 and above; open with a Truist banker; renews at the standard rate (0.05% APY)
Rate History
No change since Oct 15, 2026 · 3.25% APY · checked 2 times
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
1 Floretta Pl, Raleigh, NC 27676 9803
Share Certificates - 1 Year
$0
3.25%
▲ 0.12% above North Carolina avg
▼
Rate3.21%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average3.13%▲ 0.12% above avgNationally 2.99%
Details
Dividend rate 3.211%; Rates Set: Monthly; early withdrawal penalty applies
Rate History
No change since Oct 19, 2026 · 3.25% APY
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
702 Oberlin Road Suite 110, Raleigh, NC 27605
1 Year Standard CD
$1,000
3.00%
▼ 0.13% below North Carolina avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average3.13%▼ 0.13% below avgNationally 2.99%
Details
Standard CD/IRA term; minimum opening deposit CD $1,000, IRA $500
Rate History
No change since Oct 20, 2026 · 3.00% APY
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
239 Fayetteville St, Raleigh, NC 27601
12 Month Certificate of Deposit
$500
2.00%
▼ 1.13% below North Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
North Carolina Average3.13%▼ 1.13% below avgNationally 2.99%
Details
Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 7 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
10050 Glenwood Ave, Raleigh, NC 27617
1 Year Certificate of Deposit
$500
2.00%
▼ 1.13% below North Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average3.13%▼ 1.13% below avgNationally 2.99%
Details
APY calculated on monthly compounding assuming interest remains on deposit until maturity
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 9 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
10050 Glenwood Ave, Raleigh, NC 27617
1 Year IRA Certificate of Deposit
$500
2.00%
▼ 1.13% below North Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average3.13%▼ 1.13% below avgNationally 2.99%
Details
Early withdrawal penalties may apply
Rate History
No change since Sep 27, 2026 · 2.00% APY · checked 2 times
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
4800 Six Forks Rd, Raleigh, NC 27609
1 Year Standard Rate CDs
$500
2.00%
▼ 1.13% below North Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
North Carolina Average3.13%▼ 1.13% below avgNationally 2.99%
Details
Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 7 times
Fsnb
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
4431 New Bern Ave, Raleigh, NC 27610
Certificate of Deposit (CDs) - 12 Months
$500
2.00%
▼ 1.13% below North Carolina avg
▼
Rate2.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
North Carolina Average3.13%▼ 1.13% below avgNationally 2.99%
Details
Minimum balance to obtain APY: $500.00
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 7 times
SouthState Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
6623 Falls Of Neuse Rd, Raleigh, NC 27615
12 Month Certificate of Deposit
$1,000
1.75%
▼ 1.38% below North Carolina avg
▼
Rate1.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 22, 2026
North Carolina Average3.13%▼ 1.38% below avgNationally 2.99%
Details
Advertised interest rates and APY for CDs are subject to change prior to account opening and fixed upon opening for the term. APY assumes monthly compounding.
Rate History
No change since Oct 22, 2026 · 1.75% APY
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
2001 Clark Ave, Raleigh, NC 27605
Standard Fixed Rate CD 1 year - Relationship
$2,500
1.51%
▼ 1.62% below North Carolina avg
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average3.13%▼ 1.62% below avgNationally 2.99%
Details
Relationship rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 27, 2026 · 1.51% APY · checked 4 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
2001 Clark Ave, Raleigh, NC 27605
Standard Fixed Rate CD 1 year
$2,500
1.50%
▼ 1.63% below North Carolina avg
▼
Rate1.49%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average3.13%▼ 1.63% below avgNationally 2.99%
Details
Balance: $0 - $4,999.99; Early withdrawal penalties may apply; Bay Area CA counties only
Rate History
No change since Sep 27, 2026 · 1.50% APY · checked 4 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
239 Fayetteville St, Raleigh, NC 27601
1-Year RampUp Plus CD
$25,000
0.25%
▼ 2.88% below North Carolina avg
▼
Rate0.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average3.13%▼ 2.88% below avgNationally 2.99%
Details
Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 2 times
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
8816 Six Forks Rd, Raleigh, NC 27615
12 Month Regular CD Account
$0
0.10%
▼ 3.03% below North Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average3.13%▼ 3.03% below avgNationally 2.99%
Details
Type: Regular; Next Steps: Open Now
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 5 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
7320 Creedmoor Road, Raleigh, NC 27613
12 Month TD IRA Add-Vantage CD
$0
0.05%
▼ 3.08% below North Carolina avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
North Carolina Average3.13%▼ 3.08% below avgNationally 2.99%
Details
12 Month TD IRA Add-Vantage CD; IRA certificate
Rate History
No change since Sep 27, 2026 · 0.05% APY · checked 7 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
7320 Creedmoor Road, Raleigh, NC 27613
12 Month TD No Catch CD
$0
0.05%
▼ 3.08% below North Carolina avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
North Carolina Average3.13%▼ 3.08% below avgNationally 2.99%
Details
12 Month TD No Catch CD
Rate History
No change since Oct 20, 2026 · 0.05% APY · checked 2 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
3000 Duraleigh Rd, Raleigh, NC 27612
12 Month Personal Certificate of Deposit
$1,000
0.05%
▼ 3.08% below North Carolina avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average3.13%▼ 3.08% below avgNationally 2.99%
Details
Standard rate for all terms 7 days - 60 months, all balances; Rates as of 5/12/2026
Rate History
No change since Oct 23, 2026 · 0.05% APY
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4300 Glenwood Ave, Raleigh, NC 27612
Certificate of Deposit - 12 Months
$1,000
0.03%
▼ 3.10% below North Carolina avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average3.13%▼ 3.10% below avgNationally 2.99%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4300 Glenwood Ave, Raleigh, NC 27612
IRA CD 12 Months
$250
0.03%
▼ 3.10% below North Carolina avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average3.13%▼ 3.10% below avgNationally 2.99%
Details
Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4300 Glenwood Ave, Raleigh, NC 27612
Certificate of Deposit - 12 Months
$1,000
0.02%
▼ 3.11% below North Carolina avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average3.13%▼ 3.11% below avgNationally 2.99%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4300 Glenwood Ave, Raleigh, NC 27612
IRA CD 12 Months
$250
0.02%
▼ 3.11% below North Carolina avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average3.13%▼ 3.11% below avgNationally 2.99%
Details
Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
Raleigh 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.13%
1000 Wade Ave, Raleigh, NC 27605
Share Term Certificates (STCs) - 18 months
$250
4.30%
▲ 1.15% above North Carolina avg
▼
Rate4.30%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average3.15%▲ 1.15% above avgNationally 2.88%
Details
Interest rate and APY: 4.30% / 4.30% APY
Rate History
No change since Oct 13, 2026 · 4.30% APY · checked 2 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
7320 Creedmoor Road, Raleigh, NC 27613
18 Month TD Choice CD
$250
4.25%
▲ 1.10% above North Carolina avg
▼
Rate4.17%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
North Carolina Average3.15%▲ 1.10% above avgNationally 2.88%
Details
Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 4.25% APY · checked 2 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
7320 Creedmoor Road, Raleigh, NC 27613
18 Month TD Choice CD
$250
4.24%
▲ 1.09% above North Carolina avg
▼
Rate4.16%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
North Carolina Average3.15%▲ 1.09% above avgNationally 2.88%
Details
Non-Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 4.24% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
7870 Alexander Promenade Pl, Raleigh, NC 27617
18 Month Short-Term Certificate
$0
4.15%
▲ 1.00% above North Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average3.15%▲ 1.00% above avgNationally 2.88%
Details
Balance: $100,000.00 and over; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 4.15% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
7870 Alexander Promenade Pl, Raleigh, NC 27617
18 Month Short-Term Certificate
$0
4.10%
▲ 0.95% above North Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average3.15%▲ 0.95% above avgNationally 2.88%
Details
Balance: $1,000.00 - $19,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 4.10% APY
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
323 W Jones St, Raleigh, NC 27603 1369
18 Month Business Jumbo Choice Certificate 18
$75,000
4.10%
▲ 0.95% above North Carolina avg
▼
Rate4.02%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average3.15%▲ 0.95% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 10 times
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
323 W Jones St, Raleigh, NC 27603 1369
18 Month Jumbo Choice Certificate 18
$75,000
4.10%
▲ 0.95% above North Carolina avg
▼
Rate4.02%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average3.15%▲ 0.95% above avgNationally 2.88%
Details
Effective Date: 09/2/2026
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 10 times
Coastal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1000 Saint Albans Dr, Raleigh, NC 27609
18-Month Certificate
$250
4.10%
▲ 0.95% above North Carolina avg
▼
Rate4.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average3.15%▲ 0.95% above avgNationally 2.88%
Details
Effective Date: 06/22/2026
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 9 times
Coastal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1000 Saint Albans Dr, Raleigh, NC 27609
IRA Certificate - 18 Month
$250
4.10%
▲ 0.95% above North Carolina avg
▼
Rate4.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average3.15%▲ 0.95% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 2 times
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
323 W Jones St, Raleigh, NC 27603 1369
12 - 18 Month Business Choice Certificate 18
$500
4.00%
▲ 0.85% above North Carolina avg
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average3.15%▲ 0.85% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 10 times
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
323 W Jones St, Raleigh, NC 27603 1369
12 - 18 Month Choice Certificate 18
$250
4.00%
▲ 0.85% above North Carolina avg
▼
Rate3.92%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average3.15%▲ 0.85% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 10 times
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
323 W Jones St, Raleigh, NC 27603 1369
18 Month IRA Choice Certificate 18
$250
4.00%
▲ 0.85% above North Carolina avg
▼
Rate3.92%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average3.15%▲ 0.85% above avgNationally 2.88%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 10 times
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
7029 Harps Mill Rd, Raleigh, NC 27615
IRA Term Certificate - 18 Months
$0
3.98%
▲ 0.83% above North Carolina avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
North Carolina Average3.15%▲ 0.83% above avgNationally 2.88%
Details
Effective Date: October 1, 2026; All term share accounts are fixed rate accounts
Rate History
No change since Oct 22, 2026 · 3.98% APY
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
7029 Harps Mill Rd, Raleigh, NC 27615
Term Certificate - 18 Months
$0
3.98%
▲ 0.83% above North Carolina avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
North Carolina Average3.15%▲ 0.83% above avgNationally 2.88%
Details
Effective Date: October 1, 2026
Rate History
1 change since Sep 15, 2026 · 3.77% → 3.98% ▲ 0.21 pts · high 3.98% / low 3.77%
- Oct 22, 20263.98%▲ from 3.77%
- Sep 15, 20263.77%first recorded
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
3400 Sumner Blvd, Raleigh, NC 27616
IRA Share Certificate (18 Month)
$500
3.90%
▲ 0.75% above North Carolina avg
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average3.15%▲ 0.75% above avgNationally 2.88%
Details
IRA; applicable to Roth and Traditional IRA Share Certificate Deposits
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 8 times
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
4418 Fayetteville Rd, Raleigh, NC 27603
18 Month Term Certificates Jumbo
$200,000
3.75%
▲ 0.60% above North Carolina avg
▼
Rate3.75%
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average3.15%▲ 0.60% above avgNationally 2.88%
Details
$200K; Effective as of October 1st, 2026
Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
7870 Alexander Promenade Pl, Raleigh, NC 27617
18 Month EasyStart Certificate
$50
3.70%
▲ 0.55% above North Carolina avg
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average3.15%▲ 0.55% above avgNationally 2.88%
Details
Share, IRA, ESA; Rates as of Oct 19, 2026 ET
Rate History
No change since Oct 20, 2026 · 3.70% APY
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
4418 Fayetteville Rd, Raleigh, NC 27603
18 Month Term Certificates Jumbo
$100,000
3.70%
▲ 0.55% above North Carolina avg
▼
Rate3.70%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average3.15%▲ 0.55% above avgNationally 2.88%
Details
$100k
Rate History
No change since Oct 14, 2026 · 3.70% APY · checked 2 times
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
4418 Fayetteville Rd, Raleigh, NC 27603
Share Term Certificates Regular - 18 Months
$500
3.55%
▲ 0.40% above North Carolina avg
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average3.15%▲ 0.40% above avgNationally 2.88%
Details
Effective as of October 1st, 2026
Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 3 times
RTP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
7560 Creedmoor Rd, Raleigh, NC 27613 1641
Business Certificate Accounts - 18 Months
$250
3.51%
▲ 0.36% above North Carolina avg
▼
Rate3.45%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average3.15%▲ 0.36% above avgNationally 2.88%
Details
Rate History
No change since Oct 15, 2026 · 3.51% APY · checked 2 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
8816 Six Forks Rd, Raleigh, NC 27615
CD - 18 Month
$0
3.46%
▲ 0.31% above North Carolina avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average3.15%▲ 0.31% above avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 3.46% APY · checked 7 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
239 Fayetteville St, Raleigh, NC 27601
18-Month Term CD
$1,000
2.75%
▼ 0.40% below North Carolina avg
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average3.15%▼ 0.40% below avgNationally 2.88%
Details
Rate History
No change since Oct 19, 2026 · 2.75% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
239 Fayetteville St, Raleigh, NC 27601
Term CD - 18-Month
$1,000
2.75%
▼ 0.40% below North Carolina avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average3.15%▼ 0.40% below avgNationally 2.88%
Details
Minimum of $1,000 to open your account; 18-Month CD renews as a 2-Year Term CD at the then-published APY
Rate History
No change since Oct 19, 2026 · 2.75% APY
Fsnb
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
4431 New Bern Ave, Raleigh, NC 27610
Certificate of Deposit (CDs) - 18 Months
$500
2.00%
▼ 1.15% below North Carolina avg
▼
Rate2.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
North Carolina Average3.15%▼ 1.15% below avgNationally 2.88%
Details
Minimum balance to obtain APY: $500.00
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 7 times
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
4800 Six Forks Rd, Raleigh, NC 27609
18 Month Standard Rate CDs
$500
1.80%
▼ 1.35% below North Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
North Carolina Average3.15%▼ 1.35% below avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 1.80% APY · checked 7 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
3000 Duraleigh Rd, Raleigh, NC 27612
18 Month Personal Certificate of Deposit
$1,000
0.05%
▼ 3.10% below North Carolina avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average3.15%▼ 3.10% below avgNationally 2.88%
Details
Standard rate for all terms 7 days - 60 months, all balances; Rates as of 5/12/2026
Rate History
No change since Oct 23, 2026 · 0.05% APY
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4300 Glenwood Ave, Raleigh, NC 27612
Certificate of Deposit - 18 Months
$1,000
0.03%
▼ 3.12% below North Carolina avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average3.15%▼ 3.12% below avgNationally 2.88%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4300 Glenwood Ave, Raleigh, NC 27612
IRA CD 18 Months
$250
0.03%
▼ 3.12% below North Carolina avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average3.15%▼ 3.12% below avgNationally 2.88%
Details
Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4300 Glenwood Ave, Raleigh, NC 27612
Certificate of Deposit - 18 Months
$1,000
0.02%
▼ 3.13% below North Carolina avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average3.15%▼ 3.13% below avgNationally 2.88%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4300 Glenwood Ave, Raleigh, NC 27612
IRA CD 18 Months
$250
0.02%
▼ 3.13% below North Carolina avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average3.15%▼ 3.13% below avgNationally 2.88%
Details
Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
239 Fayetteville St, Raleigh, NC 27601
18 Month Certificate of Deposit
$500
0.02%
▼ 3.13% below North Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
North Carolina Average3.15%▼ 3.13% below avgNationally 2.88%
Details
Rate History
No change since Sep 18, 2026 · 0.02% APY · checked 7 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4300 Glenwood Ave, Raleigh, NC 27612
Certificate of Deposit - 18 Months
$1,000
0.01%
▼ 3.14% below North Carolina avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average3.15%▼ 3.14% below avgNationally 2.88%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4300 Glenwood Ave, Raleigh, NC 27612
IRA CD 18 Months
$250
0.01%
▼ 3.14% below North Carolina avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average3.15%▼ 3.14% below avgNationally 2.88%
Details
Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 2 times
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.95%
18 Month Share Certificate
$500
4.49%
▲ 1.34% above North Carolina avg
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average3.15%▲ 1.34% above avgNationally 2.88%
Details
Rate History
No change since Oct 13, 2026 · 4.49% APY · checked 2 times
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
18 Month Jumbo CD - Senior
$50,000
4.45%
▲ 1.30% above North Carolina avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average3.15%▲ 1.30% above avgNationally 2.88%
Details
Senior rate
Rate History
No change since Oct 19, 2026 · 4.45% APY
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
IRA/HSA & Share Certificates - 18 Month Certificate
$500
4.40%
▲ 1.25% above North Carolina avg
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average3.15%▲ 1.25% above avgNationally 2.88%
Details
Rate = dividend rate; penalty for early withdrawal; minimum deposit $500
Rate History
No change since Oct 19, 2026 · 4.40% APY
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
18 Month Regular CD - Senior
$500
4.35%
▲ 1.20% above North Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average3.15%▲ 1.20% above avgNationally 2.88%
Details
Senior rate
Rate History
No change since Oct 19, 2026 · 4.35% APY
Alero Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
18-Month Promotional Share Certificate
$500
4.27%
▲ 1.12% above North Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
North Carolina Average3.15%▲ 1.12% above avgNationally 2.88%
Details
Must be funded with New Money from another financial institution; Requires an eligible Fusion Plus Checking Account established when the certificate is opened; Dividends compound daily; Rate is fixed for the 18-month term
Rate History
No change since Oct 22, 2026 · 4.27% APY
Alero Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
18-Month Share Certificate
$0
4.27%
▲ 1.12% above North Carolina avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
North Carolina Average3.15%▲ 1.12% above avgNationally 2.88%
Details
Promo Rate; Includes Individual Retirement Account (IRA) Share Certificates and Coverdell Education Savings Account (ESA) Share Certificates; Penalties will apply for early withdrawal of funds
Rate History
No change since Oct 22, 2026 · 4.27% APY
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
18 Month Jumbo CD
$50,000
4.25%
▲ 1.10% above North Carolina avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average3.15%▲ 1.10% above avgNationally 2.88%
Details
Rate History
1 change since Sep 21, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
- Oct 5, 20264.25%▲ from 3.90%
- Sep 21, 20263.90%first recorded
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
18-Month CD
$500
4.25%
▲ 1.10% above North Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
North Carolina Average3.15%▲ 1.10% above avgNationally 2.88%
Details
Rate History
No change since Oct 10, 2026 · 4.25% APY · checked 4 times
Live Oak Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.23%
Business 18-Month CD
$0
4.20%
▲ 1.05% above North Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average3.15%▲ 1.05% above avgNationally 2.88%
Details
Rate History
No change since Oct 14, 2026 · 4.20% APY · checked 2 times
Marine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
18 Month Jumbo Share Certificate
$100,000
4.18%
▲ 1.03% above North Carolina avg
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average3.15%▲ 1.03% above avgNationally 2.88%
Details
Jumbo APY ($100,000 Min); Renewal: Automatic Renewal
Rate History
No change since Oct 22, 2026 · 4.18% APY · checked 2 times
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
18 Month IRA Traditional & Roth CD
$500
4.15%
▲ 1.00% above North Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average3.15%▲ 1.00% above avgNationally 2.88%
Details
Rate History
1 change since Sep 21, 2026 · 3.80% → 4.15% ▲ 0.35 pts · high 4.15% / low 3.80%
- Oct 13, 20264.15%▲ from 3.80%
- Sep 21, 20263.80%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
18 Month Regular CD
$500
4.15%
▲ 1.00% above North Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average3.15%▲ 1.00% above avgNationally 2.88%
Details
Rate History
1 change since Sep 21, 2026 · 3.80% → 4.15% ▲ 0.35 pts · high 4.15% / low 3.80%
- Oct 5, 20264.15%▲ from 3.80%
- Sep 21, 20263.80%first recorded
Marine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
18 Month Share Certificate
$1,000
4.13%
▲ 0.98% above North Carolina avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average3.15%▲ 0.98% above avgNationally 2.88%
Details
Standard APY ($1,000 Min); Renewal: Automatic Renewal
Rate History
No change since Oct 22, 2026 · 4.13% APY · checked 2 times
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
18 Month Standard Personal Share Certificates
$0
4.07%
▲ 0.92% above North Carolina avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average3.15%▲ 0.92% above avgNationally 2.88%
Details
Opening deposit of $10,000.00 and above; Early withdrawal penalties may apply and reduce earnings
Rate History
1 change since Oct 12, 2026 · 3.87% → 4.07% ▲ 0.20 pts · high 4.07% / low 3.87%
- Oct 23, 20264.07%▲ from 3.87%
- Oct 12, 20263.87%first recorded
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
Standard Personal Share Certificates - 18 Months
$0
4.07%
▲ 0.92% above North Carolina avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average3.15%▲ 0.92% above avgNationally 2.88%
Details
Opening deposit of $10,000.00 and above
Rate History
1 change since Oct 12, 2026 · 3.76% → 4.07% ▲ 0.31 pts · high 4.07% / low 3.76%
- Oct 23, 20264.07%▲ from 3.76%
- Oct 12, 20263.76%first recorded
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
IRA Term Certificate - 18 Months
$0
3.98%
▲ 0.83% above North Carolina avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
North Carolina Average3.15%▲ 0.83% above avgNationally 2.88%
Details
Effective Date: October 1, 2026
Rate History
No change since Oct 22, 2026 · 3.98% APY
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
Term Certificate - 18 Months
$0
3.98%
▲ 0.83% above North Carolina avg
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
North Carolina Average3.15%▲ 0.83% above avgNationally 2.88%
Details
Fixed rate; Effective Date: October 1, 2026
Rate History
1 change since Sep 14, 2026 · 3.77% → 3.98% ▲ 0.21 pts · high 3.98% / low 3.77%
- Oct 22, 20263.98%▲ from 3.77%
- Sep 14, 20263.77%first recorded
Raleigh 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
7320 Creedmoor Road, Raleigh, NC 27613
24 Month TD Choice CD
$250
4.30%
▲ 1.12% above North Carolina avg
▼
Rate4.22%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
North Carolina Average3.18%▲ 1.12% above avgNationally 2.90%
Details
Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 4.30% APY · checked 2 times
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.13%
1000 Wade Ave, Raleigh, NC 27605
Share Term Certificates (STCs) - 24 months
$250
4.30%
▲ 1.12% above North Carolina avg
▼
Rate4.30%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average3.18%▲ 1.12% above avgNationally 2.90%
Details
Interest rate and APY: 4.30% / 4.30% APY
Rate History
No change since Oct 13, 2026 · 4.30% APY · checked 2 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
7320 Creedmoor Road, Raleigh, NC 27613
24 Month TD Choice CD
$250
4.29%
▲ 1.11% above North Carolina avg
▼
Rate4.21%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
North Carolina Average3.18%▲ 1.11% above avgNationally 2.90%
Details
Non-Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 4.29% APY · checked 2 times
Coastal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1000 Saint Albans Dr, Raleigh, NC 27609
24-Month Certificate
$250
4.25%
▲ 1.07% above North Carolina avg
▼
Rate4.17%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average3.18%▲ 1.07% above avgNationally 2.90%
Details
Effective Date: 09/01/2026
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 9 times
Coastal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1000 Saint Albans Dr, Raleigh, NC 27609
IRA Certificate - 24 Month
$250
4.25%
▲ 1.07% above North Carolina avg
▼
Rate4.17%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average3.18%▲ 1.07% above avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 2 times
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
323 W Jones St, Raleigh, NC 27603 1369
24 Month Business Jumbo Choice Certificate 24
$75,000
4.20%
▲ 1.02% above North Carolina avg
▼
Rate4.12%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average3.18%▲ 1.02% above avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 10 times
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
323 W Jones St, Raleigh, NC 27603 1369
24 Month Jumbo Choice Certificate 24
$75,000
4.20%
▲ 1.02% above North Carolina avg
▼
Rate4.12%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average3.18%▲ 1.02% above avgNationally 2.90%
Details
Effective Date: 09/2/2026
Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 10 times
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
323 W Jones St, Raleigh, NC 27603 1369
19 - 24 Month Business Choice Certificate 24
$500
4.10%
▲ 0.92% above North Carolina avg
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average3.18%▲ 0.92% above avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 10 times
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
323 W Jones St, Raleigh, NC 27603 1369
19 - 24 Month Choice Certificate 24
$250
4.10%
▲ 0.92% above North Carolina avg
▼
Rate4.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average3.18%▲ 0.92% above avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 10 times
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
323 W Jones St, Raleigh, NC 27603 1369
24 Month IRA Choice Certificate 24
$250
4.10%
▲ 0.92% above North Carolina avg
▼
Rate4.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average3.18%▲ 0.92% above avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 10 times
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
7029 Harps Mill Rd, Raleigh, NC 27615
IRA Term Certificate - 24 Months
$0
4.08%
▲ 0.90% above North Carolina avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
North Carolina Average3.18%▲ 0.90% above avgNationally 2.90%
Details
Effective Date: October 1, 2026; All term share accounts are fixed rate accounts
Rate History
No change since Oct 22, 2026 · 4.08% APY
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
7029 Harps Mill Rd, Raleigh, NC 27615
Term Certificate - 24 Months
$0
4.08%
▲ 0.90% above North Carolina avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
North Carolina Average3.18%▲ 0.90% above avgNationally 2.90%
Details
Effective Date: October 1, 2026
Rate History
1 change since Sep 15, 2026 · 3.77% → 4.08% ▲ 0.31 pts · high 4.08% / low 3.77%
- Oct 22, 20264.08%▲ from 3.77%
- Sep 15, 20263.77%first recorded
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
5712 Creedmoor Rd, Raleigh, NC 27612
IRA 24 Month Certificate
$500
4.07%
▲ 0.89% above North Carolina avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average3.18%▲ 0.89% above avgNationally 2.90%
Details
IRA Certificate Accounts
Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 8 times
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
5712 Creedmoor Rd, Raleigh, NC 27612
Share Certificate Accounts - 24 month
$500
4.07%
▲ 0.89% above North Carolina avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average3.18%▲ 0.89% above avgNationally 2.90%
Details
Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 2 times
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.20%
6308 Falls of Neuse Rd, Raleigh, NC 27615
24 Month Fixed Rate Certificate
$0
3.90%
▲ 0.72% above North Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average3.18%▲ 0.72% above avgNationally 2.90%
Details
Rate History
No change since Sep 24, 2026 · 3.90% APY · checked 3 times
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
3400 Sumner Blvd, Raleigh, NC 27616
IRA Share Certificate (24 Month)
$500
3.90%
▲ 0.72% above North Carolina avg
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average3.18%▲ 0.72% above avgNationally 2.90%
Details
IRA; applicable to Roth and Traditional IRA Share Certificate Deposits
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 8 times
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
4418 Fayetteville Rd, Raleigh, NC 27603
24 Month Term Certificates Jumbo
$200,000
3.85%
▲ 0.67% above North Carolina avg
▼
Rate3.85%
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average3.18%▲ 0.67% above avgNationally 2.90%
Details
$200K; Effective as of October 1st, 2026
Rate History
No change since Oct 14, 2026 · 3.85% APY · checked 2 times
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
4418 Fayetteville Rd, Raleigh, NC 27603
24 Month Term Certificates Jumbo
$100,000
3.80%
▲ 0.62% above North Carolina avg
▼
Rate3.80%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average3.18%▲ 0.62% above avgNationally 2.90%
Details
$100k
Rate History
No change since Oct 14, 2026 · 3.80% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
7870 Alexander Promenade Pl, Raleigh, NC 27617
24 Month Short-Term Certificate
$0
3.70%
▲ 0.52% above North Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average3.18%▲ 0.52% above avgNationally 2.90%
Details
Balance: $100,000.00 and over; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 3.70% APY
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
7870 Alexander Promenade Pl, Raleigh, NC 27617
24 Month Short-Term Certificate
$0
3.66%
▲ 0.48% above North Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average3.18%▲ 0.48% above avgNationally 2.90%
Details
Balance: $1,000.00 - $19,999.99; Eligibility: Share, IRA, ESA; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals
Rate History
No change since Oct 20, 2026 · 3.66% APY
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
4418 Fayetteville Rd, Raleigh, NC 27603
Share Term Certificates Regular - 24 Months
$500
3.65%
▲ 0.47% above North Carolina avg
▼
Rate3.65%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average3.18%▲ 0.47% above avgNationally 2.90%
Details
Effective as of October 1st, 2026
Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 3 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
7870 Alexander Promenade Pl, Raleigh, NC 27617
24 Month EasyStart Certificate
$50
3.60%
▲ 0.42% above North Carolina avg
▼
Rate3.54%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average3.18%▲ 0.42% above avgNationally 2.90%
Details
Share, IRA, ESA; Rates as of Oct 19, 2026 ET
Rate History
No change since Oct 20, 2026 · 3.60% APY
RTP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
7560 Creedmoor Rd, Raleigh, NC 27613 1641
Business Certificate Accounts - 24 Months
$250
3.56%
▲ 0.38% above North Carolina avg
▼
Rate3.50%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average3.18%▲ 0.38% above avgNationally 2.90%
Details
Rate History
No change since Oct 15, 2026 · 3.56% APY · checked 2 times
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
1 Floretta Pl, Raleigh, NC 27676 9803
IRA 2 Years Certificate
$0
3.50%
▲ 0.32% above North Carolina avg
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average3.18%▲ 0.32% above avgNationally 2.90%
Details
Traditional, Roth & Coverdell Education; Rates Set: Monthly; Must have a Regular IRA Savings Account in order to open; penalty for early withdrawal
Rate History
No change since Oct 19, 2026 · 3.50% APY
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
8816 Six Forks Rd, Raleigh, NC 27615
CD - 24 Month
$0
3.41%
▲ 0.23% above North Carolina avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average3.18%▲ 0.23% above avgNationally 2.90%
Details
Rate History
No change since Sep 18, 2026 · 3.41% APY · checked 7 times
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
1 Floretta Pl, Raleigh, NC 27676 9803
2 Year MISCA Certificate
$10,000
3.30%
▲ 0.12% above North Carolina avg
▼
Rate3.25%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average3.18%▲ 0.12% above avgNationally 2.90%
Details
$500,000 Maximum Deposit; Rates Set: Monthly; A penalty will be imposed for early withdrawal, which will reduce the earnings on the account.
Rate History
No change since Oct 19, 2026 · 3.30% APY
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
1 Floretta Pl, Raleigh, NC 27676 9803
Share Certificates - 2 Years
$0
3.20%
▲ 0.02% above North Carolina avg
▼
Rate3.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average3.18%▲ 0.02% above avgNationally 2.90%
Details
Dividend rate 3.162%; Rates Set: Monthly; early withdrawal penalty applies
Rate History
No change since Oct 19, 2026 · 3.20% APY
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
702 Oberlin Road Suite 110, Raleigh, NC 27605
2 Year Standard CD
$1,000
2.50%
▼ 0.68% below North Carolina avg
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average3.18%▼ 0.68% below avgNationally 2.90%
Details
Standard CD/IRA term; minimum opening deposit CD $1,000, IRA $500
Rate History
No change since Oct 20, 2026 · 2.50% APY
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
10050 Glenwood Ave, Raleigh, NC 27617
2 Year Certificate of Deposit
$500
2.25%
▼ 0.93% below North Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average3.18%▼ 0.93% below avgNationally 2.90%
Details
APY calculated on monthly compounding assuming interest remains on deposit until maturity
Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 9 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
10050 Glenwood Ave, Raleigh, NC 27617
2 Year IRA Certificate of Deposit
$500
2.25%
▼ 0.93% below North Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average3.18%▼ 0.93% below avgNationally 2.90%
Details
Early withdrawal penalties may apply
Rate History
No change since Sep 27, 2026 · 2.25% APY · checked 2 times
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
4800 Six Forks Rd, Raleigh, NC 27609
2 Year Standard Rate CDs
$500
1.80%
▼ 1.38% below North Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
North Carolina Average3.18%▼ 1.38% below avgNationally 2.90%
Details
Rate History
No change since Sep 18, 2026 · 1.80% APY · checked 7 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
239 Fayetteville St, Raleigh, NC 27601
2-Year Jumbo CD
$100,000
0.40%
▼ 2.78% below North Carolina avg
▼
Rate0.40%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average3.18%▼ 2.78% below avgNationally 2.90%
Details
Rate History
No change since Sep 24, 2026 · 0.40% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
239 Fayetteville St, Raleigh, NC 27601
2-Year Term CD
$1,000
0.40%
▼ 2.78% below North Carolina avg
▼
Rate0.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average3.18%▼ 2.78% below avgNationally 2.90%
Details
Rate History
No change since Oct 19, 2026 · 0.40% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
239 Fayetteville St, Raleigh, NC 27601
Term CD - 2-Year
$1,000
0.40%
▼ 2.78% below North Carolina avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average3.18%▼ 2.78% below avgNationally 2.90%
Details
Minimum of $1,000 to open your account
Rate History
No change since Oct 19, 2026 · 0.40% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
239 Fayetteville St, Raleigh, NC 27601
2-Year RampUp Plus CD
$25,000
0.25%
▼ 2.93% below North Carolina avg
▼
Rate0.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average3.18%▼ 2.93% below avgNationally 2.90%
Details
Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 2 times
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
8816 Six Forks Rd, Raleigh, NC 27615
24 Month Regular CD Account
$0
0.10%
▼ 3.08% below North Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average3.18%▼ 3.08% below avgNationally 2.90%
Details
Type: Regular; Next Steps: Open Now
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 5 times
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
239 Fayetteville St, Raleigh, NC 27601
2 Year Certificate of Deposit
$500
0.05%
▼ 3.13% below North Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
North Carolina Average3.18%▼ 3.13% below avgNationally 2.90%
Details
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 7 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
3000 Duraleigh Rd, Raleigh, NC 27612
24 Month Personal Certificate of Deposit
$1,000
0.05%
▼ 3.13% below North Carolina avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average3.18%▼ 3.13% below avgNationally 2.90%
Details
Standard rate for all terms 7 days - 60 months, all balances; Rates as of 5/12/2026
Rate History
No change since Oct 23, 2026 · 0.05% APY
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4300 Glenwood Ave, Raleigh, NC 27612
Certificate of Deposit - 24 Months
$1,000
0.03%
▼ 3.15% below North Carolina avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average3.18%▼ 3.15% below avgNationally 2.90%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4300 Glenwood Ave, Raleigh, NC 27612
IRA CD 24 Months
$250
0.03%
▼ 3.15% below North Carolina avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average3.18%▼ 3.15% below avgNationally 2.90%
Details
Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4300 Glenwood Ave, Raleigh, NC 27612
Certificate of Deposit - 24 Months
$1,000
0.02%
▼ 3.16% below North Carolina avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average3.18%▼ 3.16% below avgNationally 2.90%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4300 Glenwood Ave, Raleigh, NC 27612
IRA CD 24 Months
$250
0.02%
▼ 3.16% below North Carolina avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average3.18%▼ 3.16% below avgNationally 2.90%
Details
Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4300 Glenwood Ave, Raleigh, NC 27612
Certificate of Deposit - 24 Months
$1,000
0.01%
▼ 3.17% below North Carolina avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average3.18%▼ 3.17% below avgNationally 2.90%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4300 Glenwood Ave, Raleigh, NC 27612
IRA CD 24 Months
$250
0.01%
▼ 3.17% below North Carolina avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average3.18%▼ 3.17% below avgNationally 2.90%
Details
Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 2 times
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.95%
24 Month Share Certificate
$500
4.49%
▲ 1.31% above North Carolina avg
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average3.18%▲ 1.31% above avgNationally 2.90%
Details
Rate History
No change since Oct 13, 2026 · 4.49% APY · checked 2 times
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
IRA 24 Month Certificate
$500
4.47%
▲ 1.29% above North Carolina avg
▼
Rate4.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average3.18%▲ 1.29% above avgNationally 2.90%
Details
Dividends compounded & credited: Quarterly; Dividend period: Quarterly
Rate History
No change since Oct 23, 2026 · 4.47% APY
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
24 Month Elite Jumbo CD
$250,000
4.45%
▲ 1.27% above North Carolina avg
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average3.18%▲ 1.27% above avgNationally 2.90%
Details
Rate History
1 change since Sep 21, 2026 · 4.10% → 4.45% ▲ 0.35 pts · high 4.45% / low 4.10%
- Oct 5, 20264.45%▲ from 4.10%
- Sep 21, 20264.10%first recorded
Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
24 Month Certificate
$0
4.40%
▲ 1.22% above North Carolina avg
▼
Rate4.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average3.18%▲ 1.22% above avgNationally 2.90%
Details
Balance: $25,000 and over
Rate History
1 change since Oct 22, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
- Oct 23, 20264.40%▲ from 4.30%
- Oct 22, 20264.30%first recorded
Proponent Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
24 Month Certificate
$0
4.35%
▲ 1.17% above North Carolina avg
▼
Rate4.27%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average3.18%▲ 1.17% above avgNationally 2.90%
Details
Balance: $10,000 - $24,999.99
Rate History
1 change since Oct 22, 2026 · 4.30% → 4.35% ▲ 0.05 pts · high 4.35% / low 4.30%
- Oct 23, 20264.35%▲ from 4.30%
- Oct 22, 20264.30%first recorded
Duke University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
13-24 Month IRA Certificate
$500
4.34%
▲ 1.16% above North Carolina avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average3.18%▲ 1.16% above avgNationally 2.90%
Details
Penalty for early withdrawal, unless 59 1/2
Rate History
1 change since Sep 25, 2026 · 4.08% → 4.34% ▲ 0.26 pts · high 4.34% / low 4.08%
- Oct 13, 20264.34%▲ from 4.08%
- Sep 25, 20264.08%first recorded
Raleigh 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
7029 Harps Mill Rd, Raleigh, NC 27615
IRA Term Certificate - 36 Months
$0
4.18%
▲ 1.21% above North Carolina avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
North Carolina Average2.97%▲ 1.21% above avgNationally 2.81%
Details
Effective Date: October 1, 2026; All term share accounts are fixed rate accounts
Rate History
No change since Oct 22, 2026 · 4.18% APY
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
7029 Harps Mill Rd, Raleigh, NC 27615
Term Certificate - 36 Months
$0
4.18%
▲ 1.21% above North Carolina avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
North Carolina Average2.97%▲ 1.21% above avgNationally 2.81%
Details
Effective Date: October 1, 2026
Rate History
1 change since Sep 15, 2026 · 3.82% → 4.18% ▲ 0.36 pts · high 4.18% / low 3.82%
- Oct 22, 20264.18%▲ from 3.82%
- Sep 15, 20263.82%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
7870 Alexander Promenade Pl, Raleigh, NC 27617
3 Year Long-Term Certificate
$0
4.15%
▲ 1.18% above North Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average2.97%▲ 1.18% above avgNationally 2.81%
Details
Balance tier: $100K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly
Rate History
No change since Oct 20, 2026 · 4.15% APY
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
1 Floretta Pl, Raleigh, NC 27676 9803
Young Saver's Certificates - 3 Years Add-On
$0
4.15%
▲ 1.18% above North Carolina avg
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average2.97%▲ 1.18% above avgNationally 2.81%
Details
Balance: $1.00 - $3,000.00; Rates set monthly; Add funds at any time throughout the certificate term up to $3,000; Limit one per member under 18 years of age; Early withdrawal penalty applies
Rate History
No change since Oct 14, 2026 · 4.15% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
7870 Alexander Promenade Pl, Raleigh, NC 27617
3 Year Long-Term Certificate
$0
4.10%
▲ 1.13% above North Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average2.97%▲ 1.13% above avgNationally 2.81%
Details
Balance tier: $1K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly
Rate History
No change since Oct 20, 2026 · 4.10% APY
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.13%
1000 Wade Ave, Raleigh, NC 27605
Share Term Certificates (STCs) - 36 months
$250
4.00%
▲ 1.03% above North Carolina avg
▼
Rate4.00%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average2.97%▲ 1.03% above avgNationally 2.81%
Details
Interest rate and APY: 4.00% / 4.00% APY
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 2 times
Coastal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1000 Saint Albans Dr, Raleigh, NC 27609
36-Month Certificate
$250
4.00%
▲ 1.03% above North Carolina avg
▼
Rate3.93%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average2.97%▲ 1.03% above avgNationally 2.81%
Details
Effective Date: 09/28/2026
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
- Oct 1, 20264.00%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Coastal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1000 Saint Albans Dr, Raleigh, NC 27609
IRA Certificate - 36 Month
$250
4.00%
▲ 1.03% above North Carolina avg
▼
Rate3.93%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average2.97%▲ 1.03% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
- Oct 19, 20264.00%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
323 W Jones St, Raleigh, NC 27603 1369
36 Month Business Jumbo Choice Certificate 36
$75,000
3.95%
▲ 0.98% above North Carolina avg
▼
Rate3.88%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average2.97%▲ 0.98% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 10 times
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
323 W Jones St, Raleigh, NC 27603 1369
36 Month Jumbo Choice Certificate 36
$75,000
3.95%
▲ 0.98% above North Carolina avg
▼
Rate3.88%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average2.97%▲ 0.98% above avgNationally 2.81%
Details
Effective Date: 09/2/2026
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 10 times
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
4418 Fayetteville Rd, Raleigh, NC 27603
36 Month Term Certificates Jumbo
$200,000
3.90%
▲ 0.93% above North Carolina avg
▼
Rate3.90%
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average2.97%▲ 0.93% above avgNationally 2.81%
Details
$200K; Effective as of October 1st, 2026
Rate History
No change since Oct 14, 2026 · 3.90% APY · checked 2 times
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
323 W Jones St, Raleigh, NC 27603 1369
25 - 36 Month Business Choice Certificate 36
$500
3.85%
▲ 0.88% above North Carolina avg
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average2.97%▲ 0.88% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 10 times
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
323 W Jones St, Raleigh, NC 27603 1369
25 - 36 Month Choice Certificate 36
$250
3.85%
▲ 0.88% above North Carolina avg
▼
Rate3.78%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average2.97%▲ 0.88% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 10 times
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
323 W Jones St, Raleigh, NC 27603 1369
36 Month IRA Choice Certificate 36
$250
3.85%
▲ 0.88% above North Carolina avg
▼
Rate3.78%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average2.97%▲ 0.88% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 10 times
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
4418 Fayetteville Rd, Raleigh, NC 27603
36 Month Term Certificates Jumbo
$100,000
3.85%
▲ 0.88% above North Carolina avg
▼
Rate3.85%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average2.97%▲ 0.88% above avgNationally 2.81%
Details
$100k
Rate History
No change since Oct 14, 2026 · 3.85% APY · checked 2 times
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
5712 Creedmoor Rd, Raleigh, NC 27612
IRA 36 Month Certificate
$500
3.82%
▲ 0.85% above North Carolina avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average2.97%▲ 0.85% above avgNationally 2.81%
Details
IRA Certificate Accounts
Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 8 times
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
5712 Creedmoor Rd, Raleigh, NC 27612
Share Certificate Accounts - 36 month
$500
3.82%
▲ 0.85% above North Carolina avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average2.97%▲ 0.85% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 2 times
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
3400 Sumner Blvd, Raleigh, NC 27616
IRA Share Certificate (36 Month)
$500
3.80%
▲ 0.83% above North Carolina avg
▼
Rate3.73%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average2.97%▲ 0.83% above avgNationally 2.81%
Details
IRA; applicable to Roth and Traditional IRA Share Certificate Deposits
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 8 times
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
4418 Fayetteville Rd, Raleigh, NC 27603
Share Term Certificates Regular - 36 Months
$500
3.70%
▲ 0.73% above North Carolina avg
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average2.97%▲ 0.73% above avgNationally 2.81%
Details
Effective as of October 1st, 2026
Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 3 times
RTP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
7560 Creedmoor Rd, Raleigh, NC 27613 1641
Business Certificate Accounts - 36 Months
$250
3.46%
▲ 0.49% above North Carolina avg
▼
Rate3.40%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average2.97%▲ 0.49% above avgNationally 2.81%
Details
Rate History
No change since Oct 15, 2026 · 3.46% APY · checked 2 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
8816 Six Forks Rd, Raleigh, NC 27615
CD - 36 Month
$0
3.41%
▲ 0.44% above North Carolina avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average2.97%▲ 0.44% above avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 3.41% APY · checked 7 times
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
1 Floretta Pl, Raleigh, NC 27676 9803
Share Certificates - 3 Years
$0
3.35%
▲ 0.38% above North Carolina avg
▼
Rate3.31%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average2.97%▲ 0.38% above avgNationally 2.81%
Details
Dividend rate 3.309%; Rates Set: Monthly; early withdrawal penalty applies
Rate History
No change since Oct 19, 2026 · 3.35% APY
Summit Credit Union Greensboro, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
3840 Ed Dr Ste 100, Raleigh, NC 27612 8097
36 Month Jumbo Certificate
$10,000
3.00%
▲ 0.03% above North Carolina avg
▼
Rate2.97%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average2.97%▲ 0.03% above avgNationally 2.81%
Details
Compounding: Quarterly; Also listed under Jumbo and Jumbo IRA Certificates
Rate History
No change since Oct 19, 2026 · 3.00% APY
Summit Credit Union Greensboro, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.76%
3840 Ed Dr Ste 100, Raleigh, NC 27612 8097
Regular and IRA Certificates - 36 Month
$500
2.75%
▼ 0.22% below North Carolina avg
▼
Rate2.73%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average2.97%▼ 0.22% below avgNationally 2.81%
Details
Compounding: Quarterly
Rate History
No change since Oct 9, 2026 · 2.75% APY · checked 2 times
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
702 Oberlin Road Suite 110, Raleigh, NC 27605
3 Year Standard CD
$1,000
2.50%
▼ 0.47% below North Carolina avg
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average2.97%▼ 0.47% below avgNationally 2.81%
Details
Standard CD/IRA term; minimum opening deposit CD $1,000, IRA $500
Rate History
No change since Oct 20, 2026 · 2.50% APY
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
7320 Creedmoor Road, Raleigh, NC 27613
3 Year TD Choice CD
$250
2.00%
▼ 0.97% below North Carolina avg
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
North Carolina Average2.97%▼ 0.97% below avgNationally 2.81%
Details
Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 2 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
7320 Creedmoor Road, Raleigh, NC 27613
3 Year TD Choice CD
$250
1.99%
▼ 0.98% below North Carolina avg
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
North Carolina Average2.97%▼ 0.98% below avgNationally 2.81%
Details
Non-Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 1.99% APY · checked 2 times
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
4800 Six Forks Rd, Raleigh, NC 27609
3 Year Standard Rate CDs
$500
1.85%
▼ 1.12% below North Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
North Carolina Average2.97%▼ 1.12% below avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 1.85% APY · checked 7 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
10050 Glenwood Ave, Raleigh, NC 27617
3 Year Certificate of Deposit
$500
1.40%
▼ 1.57% below North Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average2.97%▼ 1.57% below avgNationally 2.81%
Details
APY calculated on monthly compounding assuming interest remains on deposit until maturity
Rate History
No change since Sep 14, 2026 · 1.40% APY · checked 9 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
10050 Glenwood Ave, Raleigh, NC 27617
3 Year IRA Certificate of Deposit
$500
1.40%
▼ 1.57% below North Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average2.97%▼ 1.57% below avgNationally 2.81%
Details
Early withdrawal penalties may apply
Rate History
No change since Sep 27, 2026 · 1.40% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
239 Fayetteville St, Raleigh, NC 27601
3-Year Jumbo CD
$100,000
0.40%
▼ 2.57% below North Carolina avg
▼
Rate0.40%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average2.97%▼ 2.57% below avgNationally 2.81%
Details
Rate History
No change since Sep 24, 2026 · 0.40% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
239 Fayetteville St, Raleigh, NC 27601
3-Year Term CD
$1,000
0.40%
▼ 2.57% below North Carolina avg
▼
Rate0.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average2.97%▼ 2.57% below avgNationally 2.81%
Details
Rate History
No change since Oct 19, 2026 · 0.40% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
239 Fayetteville St, Raleigh, NC 27601
Term CD - 3-Year
$1,000
0.40%
▼ 2.57% below North Carolina avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average2.97%▼ 2.57% below avgNationally 2.81%
Details
Minimum of $1,000 to open your account
Rate History
No change since Oct 19, 2026 · 0.40% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
239 Fayetteville St, Raleigh, NC 27601
3-Year RampUp CD
$25,000
0.25%
▼ 2.72% below North Carolina avg
▼
Rate0.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average2.97%▼ 2.72% below avgNationally 2.81%
Details
Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 2 times
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
8816 Six Forks Rd, Raleigh, NC 27615
36 Month Regular CD Account
$0
0.10%
▼ 2.87% below North Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average2.97%▼ 2.87% below avgNationally 2.81%
Details
Type: Regular; Next Steps: Open Now
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 5 times
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
239 Fayetteville St, Raleigh, NC 27601
3 Year Certificate of Deposit
$500
0.05%
▼ 2.92% below North Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
North Carolina Average2.97%▼ 2.92% below avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 7 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
3000 Duraleigh Rd, Raleigh, NC 27612
36 Month Personal Certificate of Deposit
$1,000
0.05%
▼ 2.92% below North Carolina avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average2.97%▼ 2.92% below avgNationally 2.81%
Details
Standard rate for all terms 7 days - 60 months, all balances; Rates as of 5/12/2026
Rate History
No change since Oct 23, 2026 · 0.05% APY
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4300 Glenwood Ave, Raleigh, NC 27612
Certificate of Deposit - 36 Months
$1,000
0.03%
▼ 2.94% below North Carolina avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average2.97%▼ 2.94% below avgNationally 2.81%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4300 Glenwood Ave, Raleigh, NC 27612
IRA CD 36 Months
$250
0.03%
▼ 2.94% below North Carolina avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average2.97%▼ 2.94% below avgNationally 2.81%
Details
Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4300 Glenwood Ave, Raleigh, NC 27612
Certificate of Deposit - 36 Months
$1,000
0.02%
▼ 2.95% below North Carolina avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average2.97%▼ 2.95% below avgNationally 2.81%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4300 Glenwood Ave, Raleigh, NC 27612
IRA CD 36 Months
$250
0.02%
▼ 2.95% below North Carolina avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average2.97%▼ 2.95% below avgNationally 2.81%
Details
Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4300 Glenwood Ave, Raleigh, NC 27612
Certificate of Deposit - 36 Months
$1,000
0.01%
▼ 2.96% below North Carolina avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average2.97%▼ 2.96% below avgNationally 2.81%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4300 Glenwood Ave, Raleigh, NC 27612
IRA CD 36 Months
$250
0.01%
▼ 2.96% below North Carolina avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average2.97%▼ 2.96% below avgNationally 2.81%
Details
Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 2 times
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
IRA 36 Month Certificate
$500
4.52%
▲ 1.55% above North Carolina avg
▼
Rate4.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average2.97%▲ 1.55% above avgNationally 2.81%
Details
Dividends compounded & credited: Quarterly; Dividend period: Quarterly
Rate History
No change since Oct 23, 2026 · 4.52% APY
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
36 Month Elite Jumbo CD
$250,000
4.50%
▲ 1.53% above North Carolina avg
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average2.97%▲ 1.53% above avgNationally 2.81%
Details
Rate History
1 change since Sep 21, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15%
- Oct 5, 20264.50%▲ from 4.15%
- Sep 21, 20264.15%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
36 Month Jumbo CD
$50,000
4.35%
▲ 1.38% above North Carolina avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average2.97%▲ 1.38% above avgNationally 2.81%
Details
Rate History
1 change since Sep 21, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
- Oct 5, 20264.35%▲ from 4.00%
- Sep 21, 20264.00%first recorded
Duke University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
25-36 Month IRA Certificate
$500
4.34%
▲ 1.37% above North Carolina avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average2.97%▲ 1.37% above avgNationally 2.81%
Details
Penalty for early withdrawal, unless 59 1/2
Rate History
1 change since Sep 25, 2026 · 4.08% → 4.34% ▲ 0.26 pts · high 4.34% / low 4.08%
- Oct 13, 20264.34%▲ from 4.08%
- Sep 25, 20264.08%first recorded
Duke University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
25-36 Month Share Certificate
$500
4.34%
▲ 1.37% above North Carolina avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average2.97%▲ 1.37% above avgNationally 2.81%
Details
Early withdrawals are subject to loss of dividends up to 90 days
Rate History
1 change since Sep 25, 2026 · 4.08% → 4.34% ▲ 0.26 pts · high 4.34% / low 4.08%
- Oct 13, 20264.34%▲ from 4.08%
- Sep 25, 20264.08%first recorded
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
36 Month Certificate
$500
4.27%
▲ 1.30% above North Carolina avg
▼
Rate4.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average2.97%▲ 1.30% above avgNationally 2.81%
Details
Dividends compounded & credited quarterly; dividend period quarterly
Rate History
2 changes since Sep 14, 2026 · 4.16% → 4.27% ▲ 0.11 pts · high 4.27% / low 3.91%
- Oct 23, 20264.27%▲ from 3.91%
- Oct 5, 20263.91%▼ from 4.16%
- Sep 14, 20264.16%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
3 Year IRA Traditional & Roth CD
$500
4.25%
▲ 1.28% above North Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average2.97%▲ 1.28% above avgNationally 2.81%
Details
Rate History
1 change since Sep 21, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
- Oct 13, 20264.25%▲ from 3.90%
- Sep 21, 20263.90%first recorded
Raleigh 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
7029 Harps Mill Rd, Raleigh, NC 27615
IRA Term Certificate - 48 Months
$0
4.18%
▲ 1.40% above North Carolina avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
North Carolina Average2.78%▲ 1.40% above avgNationally 2.81%
Details
Effective Date: October 1, 2026; All term share accounts are fixed rate accounts
Rate History
No change since Oct 22, 2026 · 4.18% APY
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
7029 Harps Mill Rd, Raleigh, NC 27615
Term Certificate - 48 Months
$0
4.18%
▲ 1.40% above North Carolina avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
North Carolina Average2.78%▲ 1.40% above avgNationally 2.81%
Details
Effective Date: October 1, 2026
Rate History
1 change since Sep 15, 2026 · 3.82% → 4.18% ▲ 0.36 pts · high 4.18% / low 3.82%
- Oct 22, 20264.18%▲ from 3.82%
- Sep 15, 20263.82%first recorded
Coastal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1000 Saint Albans Dr, Raleigh, NC 27609
48-Month Certificate
$250
4.10%
▲ 1.32% above North Carolina avg
▼
Rate4.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average2.78%▲ 1.32% above avgNationally 2.81%
Details
Effective Date: 09/28/2026
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.10% ▲ 0.20 pts · high 4.10% / low 3.90%
- Oct 1, 20264.10%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Coastal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1000 Saint Albans Dr, Raleigh, NC 27609
IRA Certificate - 48 Month
$250
4.10%
▲ 1.32% above North Carolina avg
▼
Rate4.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average2.78%▲ 1.32% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.90% → 4.10% ▲ 0.20 pts · high 4.10% / low 3.90%
- Oct 19, 20264.10%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
323 W Jones St, Raleigh, NC 27603 1369
48 Month Business Jumbo Choice Certificate 48
$75,000
4.00%
▲ 1.22% above North Carolina avg
▼
Rate3.92%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average2.78%▲ 1.22% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 10 times
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
323 W Jones St, Raleigh, NC 27603 1369
48 Month Jumbo Choice Certificate 48
$75,000
4.00%
▲ 1.22% above North Carolina avg
▼
Rate3.92%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average2.78%▲ 1.22% above avgNationally 2.81%
Details
Effective Date: 09/2/2026
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 10 times
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.13%
1000 Wade Ave, Raleigh, NC 27605
Share Term Certificates (STCs) - 48 months
$250
4.00%
▲ 1.22% above North Carolina avg
▼
Rate4.00%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average2.78%▲ 1.22% above avgNationally 2.81%
Details
Interest rate and APY: 4.00% / 4.00% APY
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 2 times
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
4418 Fayetteville Rd, Raleigh, NC 27603
48 Month Term Certificates Jumbo
$200,000
3.93%
▲ 1.15% above North Carolina avg
▼
Rate3.93%
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average2.78%▲ 1.15% above avgNationally 2.81%
Details
$200K; Effective as of October 1st, 2026
Rate History
No change since Oct 14, 2026 · 3.93% APY · checked 2 times
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
323 W Jones St, Raleigh, NC 27603 1369
37 - 48 Month Business Choice Certificate 48
$500
3.90%
▲ 1.12% above North Carolina avg
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average2.78%▲ 1.12% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 10 times
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
323 W Jones St, Raleigh, NC 27603 1369
37 - 48 Month Choice Certificate 48
$250
3.90%
▲ 1.12% above North Carolina avg
▼
Rate3.83%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average2.78%▲ 1.12% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 10 times
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
323 W Jones St, Raleigh, NC 27603 1369
48 Month IRA Choice Certificate 48
$250
3.90%
▲ 1.12% above North Carolina avg
▼
Rate3.83%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average2.78%▲ 1.12% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 10 times
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
4418 Fayetteville Rd, Raleigh, NC 27603
48 Month Term Certificates Jumbo
$100,000
3.88%
▲ 1.10% above North Carolina avg
▼
Rate3.88%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average2.78%▲ 1.10% above avgNationally 2.81%
Details
$100k
Rate History
No change since Oct 14, 2026 · 3.88% APY · checked 2 times
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
4418 Fayetteville Rd, Raleigh, NC 27603
Share Term Certificates Regular - 48 Months
$500
3.73%
▲ 0.95% above North Carolina avg
▼
Rate3.73%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average2.78%▲ 0.95% above avgNationally 2.81%
Details
Effective as of October 1st, 2026
Rate History
No change since Sep 14, 2026 · 3.73% APY · checked 3 times
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
5712 Creedmoor Rd, Raleigh, NC 27612
IRA 48 Month Certificate
$500
3.51%
▲ 0.73% above North Carolina avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average2.78%▲ 0.73% above avgNationally 2.81%
Details
IRA Certificate Accounts
Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 8 times
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
5712 Creedmoor Rd, Raleigh, NC 27612
Share Certificate Accounts - 48 month
$500
3.51%
▲ 0.73% above North Carolina avg
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average2.78%▲ 0.73% above avgNationally 2.81%
Details
Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 2 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
8816 Six Forks Rd, Raleigh, NC 27615
CD - 48 Month
$0
3.41%
▲ 0.63% above North Carolina avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average2.78%▲ 0.63% above avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 3.41% APY · checked 7 times
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
702 Oberlin Road Suite 110, Raleigh, NC 27605
4 Year Standard CD
$1,000
2.50%
▼ 0.28% below North Carolina avg
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average2.78%▼ 0.28% below avgNationally 2.81%
Details
Standard CD/IRA term; minimum opening deposit CD $1,000, IRA $500
Rate History
No change since Oct 20, 2026 · 2.50% APY
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
7320 Creedmoor Road, Raleigh, NC 27613
4 Year TD Choice CD
$0
1.99%
▼ 0.79% below North Carolina avg
▼
Rate1.97%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
North Carolina Average2.78%▼ 0.79% below avgNationally 2.81%
Details
No Longer for Sale
Rate History
No change since Oct 20, 2026 · 1.99% APY · checked 2 times
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
4800 Six Forks Rd, Raleigh, NC 27609
4 Year Standard Rate CDs
$500
1.90%
▼ 0.88% below North Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
North Carolina Average2.78%▼ 0.88% below avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 1.90% APY · checked 7 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
10050 Glenwood Ave, Raleigh, NC 27617
4 Year Certificate of Deposit
$500
1.15%
▼ 1.63% below North Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average2.78%▼ 1.63% below avgNationally 2.81%
Details
APY calculated on monthly compounding assuming interest remains on deposit until maturity
Rate History
No change since Sep 14, 2026 · 1.15% APY · checked 9 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
10050 Glenwood Ave, Raleigh, NC 27617
4 Year IRA Certificate of Deposit
$500
1.15%
▼ 1.63% below North Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average2.78%▼ 1.63% below avgNationally 2.81%
Details
Early withdrawal penalties may apply
Rate History
No change since Sep 27, 2026 · 1.15% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
239 Fayetteville St, Raleigh, NC 27601
4-Year Jumbo CD
$100,000
0.50%
▼ 2.28% below North Carolina avg
▼
Rate0.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average2.78%▼ 2.28% below avgNationally 2.81%
Details
Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
239 Fayetteville St, Raleigh, NC 27601
4-Year Term CD
$1,000
0.50%
▼ 2.28% below North Carolina avg
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average2.78%▼ 2.28% below avgNationally 2.81%
Details
Rate History
No change since Oct 19, 2026 · 0.50% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
239 Fayetteville St, Raleigh, NC 27601
Term CD - 4-Year
$1,000
0.50%
▼ 2.28% below North Carolina avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average2.78%▼ 2.28% below avgNationally 2.81%
Details
Minimum of $1,000 to open your account
Rate History
No change since Oct 19, 2026 · 0.50% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
239 Fayetteville St, Raleigh, NC 27601
4-Year RampUp CD
$50,000
0.25%
▼ 2.53% below North Carolina avg
▼
Rate0.25%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average2.78%▼ 2.53% below avgNationally 2.81%
Details
Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 2 times
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
239 Fayetteville St, Raleigh, NC 27601
4 Year Certificate of Deposit
$500
0.15%
▼ 2.63% below North Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
North Carolina Average2.78%▼ 2.63% below avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 7 times
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
8816 Six Forks Rd, Raleigh, NC 27615
48 Month Regular CD Account
$0
0.10%
▼ 2.68% below North Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average2.78%▼ 2.68% below avgNationally 2.81%
Details
Type: Regular; Next Steps: Open Now
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 5 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
3000 Duraleigh Rd, Raleigh, NC 27612
48 Month Personal Certificate of Deposit
$1,000
0.05%
▼ 2.73% below North Carolina avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average2.78%▼ 2.73% below avgNationally 2.81%
Details
Standard rate for all terms 7 days - 60 months, all balances; Rates as of 5/12/2026
Rate History
No change since Oct 23, 2026 · 0.05% APY
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4300 Glenwood Ave, Raleigh, NC 27612
Certificate of Deposit - 48 Months
$1,000
0.03%
▼ 2.75% below North Carolina avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average2.78%▼ 2.75% below avgNationally 2.81%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4300 Glenwood Ave, Raleigh, NC 27612
IRA CD 48 Months
$250
0.03%
▼ 2.75% below North Carolina avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average2.78%▼ 2.75% below avgNationally 2.81%
Details
Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4300 Glenwood Ave, Raleigh, NC 27612
Certificate of Deposit - 48 Months
$1,000
0.02%
▼ 2.76% below North Carolina avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average2.78%▼ 2.76% below avgNationally 2.81%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4300 Glenwood Ave, Raleigh, NC 27612
IRA CD 48 Months
$250
0.02%
▼ 2.76% below North Carolina avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average2.78%▼ 2.76% below avgNationally 2.81%
Details
Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4300 Glenwood Ave, Raleigh, NC 27612
Certificate of Deposit - 48 Months
$1,000
0.01%
▼ 2.77% below North Carolina avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average2.78%▼ 2.77% below avgNationally 2.81%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4300 Glenwood Ave, Raleigh, NC 27612
IRA CD 48 Months
$250
0.01%
▼ 2.77% below North Carolina avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average2.78%▼ 2.77% below avgNationally 2.81%
Details
Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 2 times
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
48 Month Elite Jumbo CD
$250,000
4.75%
▲ 1.97% above North Carolina avg
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average2.78%▲ 1.97% above avgNationally 2.81%
Details
Rate History
1 change since Sep 21, 2026 · 4.25% → 4.75% ▲ 0.50 pts · high 4.75% / low 4.25%
- Oct 5, 20264.75%▲ from 4.25%
- Sep 21, 20264.25%first recorded
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
IRA 48 Month Certificate
$500
4.58%
▲ 1.80% above North Carolina avg
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average2.78%▲ 1.80% above avgNationally 2.81%
Details
Dividends compounded & credited: Quarterly; Dividend period: Quarterly
Rate History
No change since Oct 23, 2026 · 4.58% APY
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
4 Year Regular, IRA & Business Jumbo Certificates
$0
4.47%
▲ 1.69% above North Carolina avg
▼
Rate4.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average2.78%▲ 1.69% above avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 4.47% APY · checked 2 times
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
4 Year Regular, IRA & Business Junior Jumbo Certificates
$0
4.36%
▲ 1.58% above North Carolina avg
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average2.78%▲ 1.58% above avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 4.36% APY · checked 2 times
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
48 Month Certificate
$500
4.32%
▲ 1.54% above North Carolina avg
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average2.78%▲ 1.54% above avgNationally 2.81%
Details
Dividends compounded & credited quarterly; dividend period quarterly
Rate History
2 changes since Sep 14, 2026 · 4.22% → 4.32% ▲ 0.10 pts · high 4.32% / low 3.96%
- Oct 23, 20264.32%▲ from 3.96%
- Oct 5, 20263.96%▼ from 4.22%
- Sep 14, 20264.22%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
4 Year Regular, IRA & Business Certificates
$0
4.26%
▲ 1.48% above North Carolina avg
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average2.78%▲ 1.48% above avgNationally 2.81%
Details
Rate History
No change since Oct 14, 2026 · 4.26% APY · checked 2 times
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
48 Month Regular CD
$500
4.20%
▲ 1.42% above North Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average2.78%▲ 1.42% above avgNationally 2.81%
Details
Rate History
1 change since Sep 21, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
- Oct 5, 20264.20%▲ from 4.00%
- Sep 21, 20264.00%first recorded
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
IRA Term Certificate - 48 Months
$0
4.18%
▲ 1.40% above North Carolina avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
North Carolina Average2.78%▲ 1.40% above avgNationally 2.81%
Details
Effective Date: October 1, 2026
Rate History
No change since Oct 22, 2026 · 4.18% APY
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
Term Certificate - 48 Months
$0
4.18%
▲ 1.40% above North Carolina avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
North Carolina Average2.78%▲ 1.40% above avgNationally 2.81%
Details
Fixed rate; Effective Date: October 1, 2026
Rate History
1 change since Sep 14, 2026 · 3.82% → 4.18% ▲ 0.36 pts · high 4.18% / low 3.82%
- Oct 22, 20264.18%▲ from 3.82%
- Sep 14, 20263.82%first recorded
TCP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Share Term Certificate - 48 Month (Fixed Rate)
$250
3.85%
▲ 1.07% above North Carolina avg
▼
Rate3.80%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average2.78%▲ 1.07% above avgNationally 2.81%
Details
Rate History
No change since Oct 9, 2026 · 3.85% APY · checked 2 times
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
Share Certificate - 48 Months
$1,000
3.75%
▲ 0.97% above North Carolina avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average2.78%▲ 0.97% above avgNationally 2.81%
Details
Maximum Balance to Earn: $250,000.00; Compounds: Monthly
Rate History
No change since Oct 15, 2026 · 3.75% APY · checked 2 times
Welcome Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
Certificates - 48 Months
$1,000
3.75%
▲ 0.97% above North Carolina avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average2.78%▲ 0.97% above avgNationally 2.81%
Details
Limited time offer; Not auto-renewing; Dividends compounded quarterly
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Oct 19, 20263.75%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Welcome Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
IRA Share Certificates - 48 Months
$500
3.75%
▲ 0.97% above North Carolina avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average2.78%▲ 0.97% above avgNationally 2.81%
Details
Dividends credited and compounded quarterly; IRA certificate; penalty may apply for early withdrawal
Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
- Oct 19, 20263.75%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
IRA Certificates - 48 Months
$0
3.75%
▲ 0.97% above North Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average2.78%▲ 0.97% above avgNationally 2.81%
Details
Effective January 2, 2026; IRA Certificates can be used as Traditional or Roth IRAs, or for Coverdell Education Savings; Early withdrawal penalties apply; Dividends compounded and paid monthly
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 3 times
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
Share Certificates 48 Months
$0
3.75%
▲ 0.97% above North Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average2.78%▲ 0.97% above avgNationally 2.81%
Details
Dividends compounded and paid monthly; early withdrawal penalties apply
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
Young Certificates - 48 Months
$0
3.75%
▲ 0.97% above North Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average2.78%▲ 0.97% above avgNationally 2.81%
Details
For Youth (under age 18) and Young Adults (through age 23); Early withdrawal penalties apply; Dividends compounded and paid monthly; Effective January 2, 2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 2 times
Raleigh 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Coastal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1000 Saint Albans Dr, Raleigh, NC 27609
60-Month Certificate
$250
4.50%
▲ 1.52% above North Carolina avg
▼
Rate4.41%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average2.98%▲ 1.52% above avgNationally 2.92%
Details
Effective Date: 09/28/2026
Rate History
1 change since Sep 14, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15%
- Oct 1, 20264.50%▲ from 4.15%
- Sep 14, 20264.15%first recorded
Coastal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
1000 Saint Albans Dr, Raleigh, NC 27609
IRA Certificate - 60 Month
$250
4.50%
▲ 1.52% above North Carolina avg
▼
Rate4.41%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average2.98%▲ 1.52% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15%
- Oct 19, 20264.50%▲ from 4.15%
- Sep 14, 20264.15%first recorded
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
7029 Harps Mill Rd, Raleigh, NC 27615
IRA Term Certificate - 60 Months
$0
4.18%
▲ 1.20% above North Carolina avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
North Carolina Average2.98%▲ 1.20% above avgNationally 2.92%
Details
Effective Date: October 1, 2026; All term share accounts are fixed rate accounts
Rate History
No change since Oct 22, 2026 · 4.18% APY
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.44%
7029 Harps Mill Rd, Raleigh, NC 27615
Term Certificate - 60 Months
$0
4.18%
▲ 1.20% above North Carolina avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 22, 2026
North Carolina Average2.98%▲ 1.20% above avgNationally 2.92%
Details
Effective Date: October 1, 2026
Rate History
1 change since Sep 15, 2026 · 3.82% → 4.18% ▲ 0.36 pts · high 4.18% / low 3.82%
- Oct 22, 20264.18%▲ from 3.82%
- Sep 15, 20263.82%first recorded
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.20%
6308 Falls of Neuse Rd, Raleigh, NC 27615
60 Month Fixed Rate Certificate
$0
4.11%
▲ 1.13% above North Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average2.98%▲ 1.13% above avgNationally 2.92%
Details
Rate History
No change since Sep 24, 2026 · 4.11% APY · checked 3 times
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
323 W Jones St, Raleigh, NC 27603 1369
60 Month Business Jumbo Choice Certificate 60
$75,000
4.10%
▲ 1.12% above North Carolina avg
▼
Rate4.02%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average2.98%▲ 1.12% above avgNationally 2.92%
Details
Rate History
No change since Oct 15, 2026 · 4.10% APY · checked 2 times
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
323 W Jones St, Raleigh, NC 27603 1369
60 Month Jumbo Choice Certificate 60
$75,000
4.10%
▲ 1.12% above North Carolina avg
▼
Rate4.02%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average2.98%▲ 1.12% above avgNationally 2.92%
Details
Effective Date: 09/2/2026
Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 10 times
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
323 W Jones St, Raleigh, NC 27603 1369
49 - 60 Month Business Choice Certificate 60
$500
4.00%
▲ 1.02% above North Carolina avg
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average2.98%▲ 1.02% above avgNationally 2.92%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 10 times
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
323 W Jones St, Raleigh, NC 27603 1369
49 - 60 Month Choice Certificate 60
$250
4.00%
▲ 1.02% above North Carolina avg
▼
Rate3.92%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average2.98%▲ 1.02% above avgNationally 2.92%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 10 times
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
323 W Jones St, Raleigh, NC 27603 1369
60 Month IRA Choice Certificate 60
$250
4.00%
▲ 1.02% above North Carolina avg
▼
Rate3.92%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average2.98%▲ 1.02% above avgNationally 2.92%
Details
Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 10 times
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.13%
1000 Wade Ave, Raleigh, NC 27605
Share Term Certificates (STCs) - 60 months
$250
4.00%
▲ 1.02% above North Carolina avg
▼
Rate4.00%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average2.98%▲ 1.02% above avgNationally 2.92%
Details
Interest rate and APY: 4.00% / 4.00% APY
Rate History
No change since Oct 13, 2026 · 4.00% APY · checked 2 times
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
4418 Fayetteville Rd, Raleigh, NC 27603
60 Month Term Certificates Jumbo
$200,000
3.95%
▲ 0.97% above North Carolina avg
▼
Rate3.95%
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average2.98%▲ 0.97% above avgNationally 2.92%
Details
$200K; Effective as of October 1st, 2026
Rate History
No change since Oct 14, 2026 · 3.95% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
7870 Alexander Promenade Pl, Raleigh, NC 27617
5 Year Long-Term Certificate
$0
3.90%
▲ 0.92% above North Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average2.98%▲ 0.92% above avgNationally 2.92%
Details
Balance tier: $100K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly
Rate History
No change since Oct 20, 2026 · 3.90% APY
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
4418 Fayetteville Rd, Raleigh, NC 27603
60 Month Term Certificates Jumbo
$100,000
3.90%
▲ 0.92% above North Carolina avg
▼
Rate3.90%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average2.98%▲ 0.92% above avgNationally 2.92%
Details
$100k
Rate History
No change since Oct 14, 2026 · 3.90% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
7870 Alexander Promenade Pl, Raleigh, NC 27617
5 Year Long-Term Certificate
$0
3.85%
▲ 0.87% above North Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average2.98%▲ 0.87% above avgNationally 2.92%
Details
Balance tier: $1K Minimum APY; Rates as of Oct 19, 2026 ET; Penalties apply for early withdrawals; Dividends compounded daily, credited monthly
Rate History
No change since Oct 20, 2026 · 3.85% APY
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
4418 Fayetteville Rd, Raleigh, NC 27603
Share Term Certificates Regular - 60 Months
$500
3.75%
▲ 0.77% above North Carolina avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average2.98%▲ 0.77% above avgNationally 2.92%
Details
Effective as of October 1st, 2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 3 times
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
1 Floretta Pl, Raleigh, NC 27676 9803
IRA 5 Years Certificate
$0
3.60%
▲ 0.62% above North Carolina avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average2.98%▲ 0.62% above avgNationally 2.92%
Details
Traditional, Roth & Coverdell Education; Rates Set: Monthly; Must have a Regular IRA Savings Account in order to open; penalty for early withdrawal
Rate History
No change since Oct 19, 2026 · 3.60% APY
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
1 Floretta Pl, Raleigh, NC 27676 9803
Share Certificates - 5 Years
$0
3.45%
▲ 0.47% above North Carolina avg
▼
Rate3.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average2.98%▲ 0.47% above avgNationally 2.92%
Details
Dividend rate 3.406%; Rates Set: Monthly; early withdrawal penalty applies
Rate History
No change since Oct 19, 2026 · 3.45% APY
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
8816 Six Forks Rd, Raleigh, NC 27615
CD - 60 Month
$0
3.41%
▲ 0.43% above North Carolina avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average2.98%▲ 0.43% above avgNationally 2.92%
Details
Rate History
No change since Sep 18, 2026 · 3.41% APY · checked 7 times
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
702 Oberlin Road Suite 110, Raleigh, NC 27605
5 Year Standard CD
$1,000
2.50%
▼ 0.48% below North Carolina avg
▼
Rate2.47%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average2.98%▼ 0.48% below avgNationally 2.92%
Details
Standard CD/IRA term; minimum opening deposit CD $1,000, IRA $500
Rate History
No change since Oct 20, 2026 · 2.50% APY
Fsnb
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
4431 New Bern Ave, Raleigh, NC 27610
Certificate of Deposit (CDs) - 60 Months
$500
2.50%
▼ 0.48% below North Carolina avg
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 21, 2026
North Carolina Average2.98%▼ 0.48% below avgNationally 2.92%
Details
Minimum balance to obtain APY: $500.00
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 7 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
7320 Creedmoor Road, Raleigh, NC 27613
5 Year TD Choice CD
$250
2.00%
▼ 0.98% below North Carolina avg
▼
Rate1.98%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
North Carolina Average2.98%▼ 0.98% below avgNationally 2.92%
Details
Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 2.00% APY · checked 2 times
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
7320 Creedmoor Road, Raleigh, NC 27613
5 Year TD Choice CD
$250
1.99%
▼ 0.99% below North Carolina avg
▼
Rate1.97%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 22, 2026
North Carolina Average2.98%▼ 0.99% below avgNationally 2.92%
Details
Non-Promotional Rates; Balance: $0.01-$9,999.99
Rate History
No change since Oct 20, 2026 · 1.99% APY · checked 2 times
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
4800 Six Forks Rd, Raleigh, NC 27609
5 Year Standard Rate CDs
$500
1.90%
▼ 1.08% below North Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 22, 2026
North Carolina Average2.98%▼ 1.08% below avgNationally 2.92%
Details
Rate History
No change since Sep 18, 2026 · 1.90% APY · checked 7 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
10050 Glenwood Ave, Raleigh, NC 27617
5 Year Certificate of Deposit
$500
1.25%
▼ 1.73% below North Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average2.98%▼ 1.73% below avgNationally 2.92%
Details
APY calculated on monthly compounding assuming interest remains on deposit until maturity
Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 9 times
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
10050 Glenwood Ave, Raleigh, NC 27617
5 Year IRA Certificate of Deposit
$500
1.25%
▼ 1.73% below North Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average2.98%▼ 1.73% below avgNationally 2.92%
Details
Early withdrawal penalties may apply
Rate History
No change since Sep 27, 2026 · 1.25% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
239 Fayetteville St, Raleigh, NC 27601
5-Year Jumbo CD
$100,000
0.50%
▼ 2.48% below North Carolina avg
▼
Rate0.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average2.98%▼ 2.48% below avgNationally 2.92%
Details
Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 2 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
239 Fayetteville St, Raleigh, NC 27601
5-Year Term CD
$1,000
0.50%
▼ 2.48% below North Carolina avg
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average2.98%▼ 2.48% below avgNationally 2.92%
Details
Rate History
No change since Oct 19, 2026 · 0.50% APY
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
239 Fayetteville St, Raleigh, NC 27601
Term CD - 5-Year
$1,000
0.50%
▼ 2.48% below North Carolina avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average2.98%▼ 2.48% below avgNationally 2.92%
Details
Minimum of $1,000 to open your account
Rate History
No change since Oct 19, 2026 · 0.50% APY
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
8816 Six Forks Rd, Raleigh, NC 27615
60 Month Regular CD Account
$0
0.10%
▼ 2.88% below North Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average2.98%▼ 2.88% below avgNationally 2.92%
Details
Type: Regular; Next Steps: Open Now
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 5 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
3000 Duraleigh Rd, Raleigh, NC 27612
60 Month Personal Certificate of Deposit
$1,000
0.05%
▼ 2.93% below North Carolina avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average2.98%▼ 2.93% below avgNationally 2.92%
Details
Standard rate for all terms 7 days - 60 months, all balances; Rates as of 5/12/2026
Rate History
No change since Oct 23, 2026 · 0.05% APY
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4300 Glenwood Ave, Raleigh, NC 27612
Certificate of Deposit - 60 Months
$1,000
0.03%
▼ 2.95% below North Carolina avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average2.98%▼ 2.95% below avgNationally 2.92%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4300 Glenwood Ave, Raleigh, NC 27612
IRA CD 60 Months
$250
0.03%
▼ 2.95% below North Carolina avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average2.98%▼ 2.95% below avgNationally 2.92%
Details
Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4300 Glenwood Ave, Raleigh, NC 27612
Certificate of Deposit - 60 Months
$1,000
0.02%
▼ 2.96% below North Carolina avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average2.98%▼ 2.96% below avgNationally 2.92%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4300 Glenwood Ave, Raleigh, NC 27612
IRA CD 60 Months
$250
0.02%
▼ 2.96% below North Carolina avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average2.98%▼ 2.96% below avgNationally 2.92%
Details
Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 2 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4300 Glenwood Ave, Raleigh, NC 27612
Certificate of Deposit - 60 Months
$1,000
0.01%
▼ 2.97% below North Carolina avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average2.98%▼ 2.97% below avgNationally 2.92%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 5 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
4300 Glenwood Ave, Raleigh, NC 27612
IRA CD 60 Months
$250
0.01%
▼ 2.97% below North Carolina avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 20, 2026
North Carolina Average2.98%▼ 2.97% below avgNationally 2.92%
Details
Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 2 times
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
5 Year Regular, IRA & Business Jumbo Certificates
$0
4.87%
▲ 1.89% above North Carolina avg
▼
Rate4.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average2.98%▲ 1.89% above avgNationally 2.92%
Details
Rate History
No change since Oct 14, 2026 · 4.87% APY · checked 2 times
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
5 Year Regular, IRA & Business Junior Jumbo Certificates
$0
4.76%
▲ 1.78% above North Carolina avg
▼
Rate4.66%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average2.98%▲ 1.78% above avgNationally 2.92%
Details
Rate History
No change since Oct 14, 2026 · 4.76% APY · checked 2 times
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
60 Month Elite Jumbo CD
$250,000
4.75%
▲ 1.77% above North Carolina avg
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average2.98%▲ 1.77% above avgNationally 2.92%
Details
Rate History
1 change since Sep 21, 2026 · 4.25% → 4.75% ▲ 0.50 pts · high 4.75% / low 4.25%
- Oct 5, 20264.75%▲ from 4.25%
- Sep 21, 20264.25%first recorded
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
IRA 60 Month Certificate
$500
4.68%
▲ 1.70% above North Carolina avg
▼
Rate4.60%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average2.98%▲ 1.70% above avgNationally 2.92%
Details
Dividends compounded & credited: Quarterly; Dividend period: Quarterly
Rate History
No change since Oct 23, 2026 · 4.68% APY
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
5 Year Regular, IRA & Business Certificates
$0
4.66%
▲ 1.68% above North Carolina avg
▼
Rate4.56%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average2.98%▲ 1.68% above avgNationally 2.92%
Details
Rate History
No change since Oct 14, 2026 · 4.66% APY · checked 2 times
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year Executive
$0
4.60%
▲ 1.62% above North Carolina avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average2.98%▲ 1.62% above avgNationally 2.92%
Details
Minimum: $100,000; APY based on minimum deposits of at least $500
Rate History
1 change since Sep 14, 2026 · 3.60% → 4.60% ▲ 1.00 pts · high 4.60% / low 3.60%
- Oct 23, 20264.60%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year Roth Executive IRA Certificate
$100,000
4.60%
▲ 1.62% above North Carolina avg
▼
Rate4.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average2.98%▲ 1.62% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 3.60% → 4.60% ▲ 1.00 pts · high 4.60% / low 3.60%
- Oct 15, 20264.60%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year Roth IRA Certificate
$500
4.60%
▲ 1.62% above North Carolina avg
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average2.98%▲ 1.62% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 3.40% → 4.60% ▲ 1.20 pts · high 4.60% / low 3.40%
- Oct 15, 20264.60%▲ from 3.40%
- Sep 14, 20263.40%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year Roth Premier IRA Certificate
$10,000
4.60%
▲ 1.62% above North Carolina avg
▼
Rate4.50%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average2.98%▲ 1.62% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.60% ▲ 1.10 pts · high 4.60% / low 3.50%
- Oct 15, 20264.60%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year Traditional Executive IRA Certificate
$100,000
4.60%
▲ 1.62% above North Carolina avg
▼
Rate4.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average2.98%▲ 1.62% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 3.60% → 4.60% ▲ 1.00 pts · high 4.60% / low 3.60%
- Oct 15, 20264.60%▲ from 3.60%
- Sep 14, 20263.60%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year Traditional IRA Certificate
$500
4.60%
▲ 1.62% above North Carolina avg
▼
Rate4.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average2.98%▲ 1.62% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 3.40% → 4.60% ▲ 1.20 pts · high 4.60% / low 3.40%
- Oct 15, 20264.60%▲ from 3.40%
- Sep 14, 20263.40%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year Traditional Premier IRA Certificate
$10,000
4.60%
▲ 1.62% above North Carolina avg
▼
Rate4.50%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 23, 2026
North Carolina Average2.98%▲ 1.62% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.60% ▲ 1.10 pts · high 4.60% / low 3.50%
- Oct 15, 20264.60%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
5 Year IRA Traditional & Roth CD
$500
4.50%
▲ 1.52% above North Carolina avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 19, 2026
North Carolina Average2.98%▲ 1.52% above avgNationally 2.92%
Details
Rate History
1 change since Sep 21, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
- Oct 13, 20264.50%▲ from 4.00%
- Sep 21, 20264.00%first recorded
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
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Raleigh, NC CD Rate Trends
Compare local Raleigh, NC CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
12-Month CD NC Avg
3.128%
▲ 0.041 vs 7 days ago
North Carolina 12-month CD rates rose 0.041 points over the past 7 days to 3.128% APY.
6-Month CD NC Avg
2.866%
▲ 0.011 vs 7 days ago
North Carolina 6-month CD rates rose 0.011 points over the past 7 days to 2.866% APY.
As of Oct 25, 2026 • Rate data sourced from 8,500+ monitored institutions
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NC CD Rate Forecast, Next 12 Months
Where are North Carolina CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
NC 12-Month Avg APY
3.128%
6-Month Forecast
3.128%
Range: 2.93%, 3.28%
12-Month Forecast
3.378%
Range: 3.18%, 3.53%
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What Your Savings Earn at NC CD Rates Today
Annual interest earnings at today’s North Carolina average APYs. State average used where available; national average as fallback.
| CD Term | NC Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.807% | $90.33 | $180.66 | $451.65 | $903.30 |
| 6-Month CD | 2.866% | $143.30 | $286.59 | $716.48 | $1,432.95 |
| 12-Month CD | 3.128% | $156.39 | $312.78 | $781.95 | $1,563.90 |
| 18-Month CD | 3.146% | $157.32 | $314.63 | $786.57 | $1,573.15 |
| 24-Month CD | 3.178% | $158.88 | $317.75 | $794.38 | $1,588.75 |
| 36-Month CD | 2.973% | $148.67 | $297.33 | $743.32 | $1,486.65 |
| 48-Month CD | 2.779% | $138.97 | $277.94 | $694.85 | $1,389.70 |
| 60-Month CD | 2.979% | $148.95 | $297.90 | $744.75 | $1,489.50 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 23, 2026. | |||||
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Sample CD Ladder for Raleigh, North Carolina Savers
$25,000 split equally across 5 terms using today’s North Carolina average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | NC Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.807% | $90.33 |
| 2 | 6-Month CD | $5,000 | 2.866% | $143.30 |
| 3 | 12-Month CD | $5,000 | 3.128% | $156.39 |
| 4 | 24-Month CD | $5,000 | 3.178% | $158.88 |
| 5 | 36-Month CD | $5,000 | 2.973% | $148.67 |
| Total ($25,000 invested) | $25,000 | 2.790% blended | $697.57/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.
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984
CD Rates
Tracked in Raleigh, North Carolina
Tracked in Raleigh, North Carolina
26 Banks
60 Credit Unions
About Our Raleigh, North Carolina CD Rate Database
MonitorBankRates tracks 984 CD rates from 26 banks and 60 credit unions with locations in Raleigh, 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 to 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: Coastal Credit Union offers a CD at 4.50% APY with a minimum deposit of $250. Use the rate table above to compare all current offers in Raleigh, North Carolina.
How to Find the Best CD Rates in Raleigh, North Carolina
What to compare when shopping for a CD in Raleigh, North Carolina
To find the best APYs in Raleigh, North Carolina, start with credit unions and online-only banks: Raleigh, North Carolina has 60 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 Raleigh, 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 Raleigh, North Carolina: 86 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Raleigh, North Carolina savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Raleigh, North Carolina money market rates
Raleigh, North Carolina Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
11.9%
National avg: 17.3%
Median Individual Earnings
$47,892
National avg: $47,340
Poverty Rate
11.9%
National avg: 11.1%
Unemployment Rate
4.4%
National avg: 4.8%
CD Earnings on 10% of Salary
$150/yr
At NC 12-mo avg 3.128% APY
11.9% of residents are 65 or older, below the national average of 17.3%. At today’s NC 12-month CD average of 3.128%, saving 10% of the local median salary ($4,789/year) and putting it in a CD would earn an additional $150 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 Raleigh, 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 to 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 Raleigh, 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 Raleigh, 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 Raleigh, North Carolina as everywhere in the U.S.
Choosing a CD Term in Raleigh, 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 Raleigh, North Carolina savers easier access to their funds. For example, Coastal Credit Union 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, Coastal Credit Union is offering its 60-Month Certificate at 4.50% 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 Raleigh, 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 Raleigh, 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 Raleigh, 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 Raleigh, 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 Raleigh, North Carolina
Most CDs carry a fixed rate that is locked for the entire term, protecting a Raleigh, 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 Raleigh, North Carolina
Are CD rates in Raleigh, North Carolina FDIC insured?
Yes, most established banks in Raleigh, 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 Raleigh, 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 Raleigh, 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 Raleigh, 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 Raleigh, North Carolina?
Here are recent top rates found for this area:
- Coastal Credit Union: 4.50% APY (60-Month Certificate)
- Navy Federal Credit Union: 4.35% APY (12 Month Special EasyStart Certificate)
- TD Bank: 4.30% APY (24 Month TD Choice CD)
- State Employees Credit Union: 4.30% APY (Share Term Certificates (STCs) - 18 months)
- U S POSTAL SERVICE: 4.25% APY (IRA 1 Year Starter Add-On Certificate)
- Civic Federal Credit Union: 4.20% APY (24 Month Business Jumbo Choice Certificate 24)
- Self-Help Credit Union: 4.18% APY (IRA Term Certificate - 36 Months)
- Langley Federal Credit Union: 4.11% APY (60 Month Fixed Rate Certificate)
- Carolinas Telco Federal Credit Union: 4.07% APY (IRA 24 Month Certificate)
- Mechanics & Farmers Bank: 4.01% APY (12-Month CD)
Rates reflect recent verified offers available in Raleigh, North Carolina. Last Updated: October 23, 2026
Raleigh, 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 Raleigh, 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 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for Raleigh, North Carolina
Raleigh, North Carolina CD Calculator
At today’s NC top rate of 4.50% APY, a $10,000 deposit earns $450 in the first year. Enter your amount to see your exact return.
Raleigh, North Carolina CD LadderNC CD rates currently range from 1.807% (3-month) to 2.973% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Raleigh, North Carolina CD at 4.50% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsNorth Carolina’s average 12-month CD is 3.128% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Raleigh, 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 Raleigh, 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 Raleigh, 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: October 23, 2026
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