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CD Rate Trends

Sandyfield, North Carolina Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 12, 2026

Sandyfield, North Carolina CD rates from banks and credit unions serving North Carolina range from 0.01% to 5.00% APY, verified by MonitorBankRates as of October 12, 2026. Current Sandyfield, North Carolina CD rates include Truliant Federal Credit UnionTruliant Federal Credit UnionA5.0 ★Texas Ratio: 6.43%Real return: +2.20%APY minus CPI (February 2026) offering Limited-Time 12 Month Term (new external funds required) at 5.00% APY, Piedmont Advantage Credit UnionPiedmont Advantage Credit UnionA+5.0 ★Texas Ratio: 3.82%Real return: +2.20%APY minus CPI (February 2026) offering 12 Month Special Limited Term Certificate at 5.00% APY, Advancial Federal Credit UnionAdvancial Federal Credit UnionA5.0 ★Texas Ratio: 12.30%Real return: +2.07%APY minus CPI (February 2026) offering Regular, IRA & Business Jumbo Certificates - 5 years at 4.87% APY, Skyla Federal Credit UnionSkyla Federal Credit UnionA5.0 ★Texas Ratio: 9.56%Real return: +1.95%APY minus CPI (February 2026) offering 48 Month elite jumbo cd at 4.75% APY, and Fort Financial Federal Credit UnionFort Financial Federal Credit UnionA+5.0 ★Texas Ratio: 2.95%Real return: +1.70%APY minus CPI (February 2026) offering Traditional 12-Month IRA Certificate - Premier Member at 4.50% APY. CD rates as of October 12, 2026 according to verified data from MonitorBankRates.

Sandyfield is a smaller community with no bank or credit union branches currently in our database. 748 institutions serving the North Carolina area are available to Sandyfield residents, with CD rates as high as 5.00% APY from Truliant Federal Credit Union. Rates are continually updated, so we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 12, 2026

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

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Sandyfield 3 Month CD Rates

North Carolina 3 Month CD Average1.90% APYNational 2.09%▲ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
3 Month Certificate
$5,000
3.75% ▲ 1.85% above North Carolina avg
View
▼
Rate3.69%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average1.90%▲ 1.85% above avgNationally 2.09%
Details

HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
3 Month IRA Certificate
$0
3.60% ▲ 1.70% above North Carolina avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
North Carolina Average1.90%▲ 1.70% above avgNationally 2.09%
Details

Rate History
No change since Sep 29, 2026 · 3.60% APY
3.10%3.60%4.10%Sep 29, 2026: 3.60% APYSep 29, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
3 Month Share Certificates
$0
3.60% ▲ 1.70% above North Carolina avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
North Carolina Average1.90%▲ 1.70% above avgNationally 2.09%
Details

Rate History
No change since Sep 29, 2026 · 3.60% APY
3.10%3.60%4.10%Sep 29, 2026: 3.60% APYSep 29, 2026Oct 13, 2026
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
Regular Certificates - 3 Month
$0
3.50% ▲ 1.60% above North Carolina avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average1.90%▲ 1.60% above avgNationally 2.09%
Details

Rate History
No change since Oct 6, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 6, 2026: 3.50% APYOct 6, 2026Oct 13, 2026
Live Oak Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.23%
3-month CD
$0
3.00% ▲ 1.10% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average1.90%▲ 1.10% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 13, 2026
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
Standard CDs and IRAs - 3 Month
$0
3.00% ▲ 1.10% above North Carolina avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average1.90%▲ 1.10% above avgNationally 2.09%
Details

Schedule an Appointment

Rate History
No change since Oct 7, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 7, 2026: 3.00% APYOct 7, 2026Oct 13, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
3 Month Certificate
$0
2.94% ▲ 1.04% above North Carolina avg
View
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average1.90%▲ 1.04% above avgNationally 2.09%
Details

Rate History
No change since Sep 24, 2026 · 2.94% APY · checked 5 times
2.44%2.94%3.44%Sep 24, 2026: 2.94% APYSep 24, 2026Oct 13, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Regular, IRA & Business Jumbo Certificates - 3 months
$0
2.65% ▲ 0.75% above North Carolina avg
View
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average1.90%▲ 0.75% above avgNationally 2.09%
Details

Rate History
1 change since Sep 18, 2026 · 2.55% → 2.65% ▲ 0.10 pts · high 2.65% / low 2.55%
2.05%2.60%3.15%Sep 18, 2026: 2.55% APYOct 1, 2026: 2.65% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20262.65%▲ from 2.55%
  • Sep 18, 20262.55%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Regular, IRA & Business Junior Jumbo Certificates - 3 months
$0
2.55% ▲ 0.65% above North Carolina avg
View
▼
Rate2.52%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average1.90%▲ 0.65% above avgNationally 2.09%
Details

Rate History
1 change since Sep 18, 2026 · 2.45% → 2.55% ▲ 0.10 pts · high 2.55% / low 2.45%
1.95%2.50%3.05%Sep 18, 2026: 2.45% APYOct 1, 2026: 2.55% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20262.55%▲ from 2.45%
  • Sep 18, 20262.45%first recorded
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
3 Month Term
$0
2.50% ▲ 0.60% above North Carolina avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average1.90%▲ 0.60% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 6 times
2.00%2.50%3.00%Sep 18, 2026: 2.50% APYSep 18, 2026Oct 13, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
Business 3 Month Term
$0
2.50% ▲ 0.60% above North Carolina avg
View
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average1.90%▲ 0.60% above avgNationally 2.09%
Details

Balance: $100,000+

Rate History
No change since Sep 24, 2026 · 2.50% APY · checked 5 times
2.00%2.50%3.00%Sep 24, 2026: 2.50% APYSep 24, 2026Oct 13, 2026
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
3 Month Certificate
$500
2.50% ▲ 0.60% above North Carolina avg
View
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average1.90%▲ 0.60% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 7 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 13, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
3 Month Term
$0
2.45% ▲ 0.55% above North Carolina avg
View
▼
Rate2.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average1.90%▲ 0.55% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 2.45% APY · checked 6 times
1.95%2.45%2.95%Sep 18, 2026: 2.45% APYSep 18, 2026Oct 13, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
Business 3 Month Term
$0
2.45% ▲ 0.55% above North Carolina avg
View
▼
Rate2.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average1.90%▲ 0.55% above avgNationally 2.09%
Details

Balance: $25,000 - $99,999

Rate History
No change since Sep 24, 2026 · 2.45% APY · checked 5 times
1.95%2.45%2.95%Sep 24, 2026: 2.45% APYSep 24, 2026Oct 13, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Regular, IRA & Business Certificates - 3 months
$0
2.45% ▲ 0.55% above North Carolina avg
View
▼
Rate2.42%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average1.90%▲ 0.55% above avgNationally 2.09%
Details

Rate History
1 change since Sep 18, 2026 · 2.34% → 2.45% ▲ 0.11 pts · high 2.45% / low 2.34%
1.84%2.40%2.95%Sep 18, 2026: 2.34% APYOct 1, 2026: 2.45% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20262.45%▲ from 2.34%
  • Sep 18, 20262.34%first recorded
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
3 Month Term
$0
2.40% ▲ 0.50% above North Carolina avg
View
▼
Rate2.37%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average1.90%▲ 0.50% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 2.40% APY · checked 6 times
1.90%2.40%2.90%Sep 18, 2026: 2.40% APYSep 18, 2026Oct 13, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
Business 3 Month Term
$0
2.40% ▲ 0.50% above North Carolina avg
View
▼
Rate2.37%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average1.90%▲ 0.50% above avgNationally 2.09%
Details

Balance: $5,000 - $24,999

Rate History
No change since Sep 24, 2026 · 2.40% APY · checked 5 times
1.90%2.40%2.90%Sep 24, 2026: 2.40% APYSep 24, 2026Oct 13, 2026
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3 Month IRA Certificate
$500
2.40% ▲ 0.50% above North Carolina avg
View
▼
Rate2.37%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average1.90%▲ 0.50% above avgNationally 2.09%
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 Sep 14, 2026 · 2.40% APY · checked 7 times
1.90%2.40%2.90%Sep 14, 2026: 2.40% APYSep 14, 2026Oct 13, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
3 Month Term
$0
2.34% ▲ 0.44% above North Carolina avg
View
▼
Rate2.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average1.90%▲ 0.44% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 2.34% APY · checked 6 times
1.84%2.34%2.84%Sep 18, 2026: 2.34% APYSep 18, 2026Oct 13, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
Business 3 Month Term
$0
2.34% ▲ 0.44% above North Carolina avg
View
▼
Rate2.32%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average1.90%▲ 0.44% above avgNationally 2.09%
Details

Balance: $250 - $4,999

Rate History
No change since Sep 24, 2026 · 2.34% APY · checked 5 times
1.84%2.34%2.84%Sep 24, 2026: 2.34% APYSep 24, 2026Oct 13, 2026
Revity Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.13%
3 Month Jumbo & Jumbo IRA Certificates
$50,000
2.33% ▲ 0.43% above North Carolina avg
View
▼
Rate2.30%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average1.90%▲ 0.43% above avgNationally 2.09%
Details

Rate History
No change since Oct 5, 2026 · 2.33% APY · checked 2 times
1.83%2.33%2.83%Oct 5, 2026: 2.33% APYOct 5, 2026Oct 13, 2026
Revity Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.13%
3 Month Mini Jumbo & Mini Jumbo IRA Certificate
$10,000
2.33% ▲ 0.43% above North Carolina avg
View
▼
Rate2.30%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average1.90%▲ 0.43% above avgNationally 2.09%
Details

Rate History
No change since Oct 5, 2026 · 2.33% APY · checked 2 times
1.83%2.33%2.83%Oct 5, 2026: 2.33% APYOct 5, 2026Oct 13, 2026
Revity Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.13%
3 Month Regular & IRA Certificates
$500
2.33% ▲ 0.43% above North Carolina avg
View
▼
Rate2.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average1.90%▲ 0.43% above avgNationally 2.09%
Details

Rate History
No change since Oct 5, 2026 · 2.33% APY · checked 2 times
1.83%2.33%2.83%Oct 5, 2026: 2.33% APYOct 5, 2026Oct 13, 2026
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
3 Month Certificates
$500
2.30% ▲ 0.40% above North Carolina avg
View
▼
Rate2.27%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average1.90%▲ 0.40% above avgNationally 2.09%
Details

Published APY range: 2.30% - 2.50%; Published rate range: 2.27% - 2.47%. Balance: $500.00 - $250,000.00

Rate History
No change since Oct 5, 2026 · 2.30% APY · checked 2 times
1.80%2.30%2.80%Oct 5, 2026: 2.30% APYOct 5, 2026Oct 13, 2026
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
3 Month IRA Certificate
$0
2.15% ▲ 0.25% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average1.90%▲ 0.25% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 2.15% APY · checked 2 times
1.65%2.15%2.65%Sep 18, 2026: 2.15% APYSep 18, 2026Oct 13, 2026
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
3 Month Share Certificate
$0
2.15% ▲ 0.25% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average1.90%▲ 0.25% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.15% APY · checked 5 times
1.65%2.15%2.65%Sep 14, 2026: 2.15% APYSep 14, 2026Oct 13, 2026
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
3 Month Young Certificates
$0
2.15% ▲ 0.25% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average1.90%▲ 0.25% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 2.15% APY · checked 4 times
1.65%2.15%2.65%Sep 18, 2026: 2.15% APYSep 18, 2026Oct 13, 2026
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
90 Day Standard Personal Share Certificates
$0
2.02% ▲ 0.12% above North Carolina avg
View
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average1.90%▲ 0.12% above avgNationally 2.09%
Details

Opening deposit of $10,000.00 and above; Early withdrawal penalties may apply and reduce earnings.

Rate History
1 change since Sep 12, 2026 · 1.92% → 2.02% ▲ 0.10 pts · high 2.02% / low 1.92%
1.42%1.97%2.52%Sep 12, 2026: 1.92% APYOct 12, 2026: 2.02% APYSep 12, 2026Oct 13, 2026
  • Oct 12, 20262.02%▲ from 1.92%
  • Sep 12, 20261.92%first recorded
Woodforest National Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.96%
3 Month CD
$500
2.00% ▲ 0.10% above North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average1.90%▲ 0.10% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 7 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 13, 2026
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
Standard Personal Share Certificates - 90 Days
$0
1.92% ▲ 0.02% above North Carolina avg
View
▼
Rate1.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average1.90%▲ 0.02% above avgNationally 2.09%
Details

Balance: $500 - $9,999.99

Rate History
No change since Sep 12, 2026 · 1.92% APY · checked 7 times
1.42%1.92%2.42%Sep 12, 2026: 1.92% APYSep 12, 2026Oct 13, 2026
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
3 Month Certificate
$0
1.50% ▼ 0.40% below North Carolina avg
View
▼
Rate1.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average1.90%▼ 0.40% below avgNationally 2.09%
Details

Effective Date: October 01, 2026

Rate History
1 change since Sep 12, 2026 · 1.25% → 1.50% ▲ 0.25 pts · high 1.50% / low 1.25%
0.75%1.38%2.00%Sep 12, 2026: 1.25% APYOct 12, 2026: 1.50% APYSep 12, 2026Oct 13, 2026
  • Oct 12, 20261.50%▲ from 1.25%
  • Sep 12, 20261.25%first recorded
United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.11%
Share and IRA Certificates - 3 Months
$0
1.50% ▼ 0.40% below North Carolina avg
View
▼
Rate1.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average1.90%▼ 0.40% below avgNationally 2.09%
Details

APY with Bonus Rate: 1.60%

Rate History
No change since Oct 12, 2026 · 1.50% APY
1.00%1.50%2.00%Oct 12, 2026: 1.50% APYOct 12, 2026Oct 13, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3 Month - Relationship
$0
1.00% ▼ 0.90% below North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average1.90%▼ 0.90% below avgNationally 2.09%
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Oct 7, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 7, 2026: 1.00% APYOct 7, 2026Oct 13, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3 Month Certificate
$0
1.00% ▼ 0.90% below North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average1.90%▼ 0.90% below avgNationally 2.09%
Details

Balance: $250.00 - $9,999.99

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 6 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 13, 2026
TD Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
3 Month TD Choice CD
$250
1.00% ▼ 0.90% below North Carolina avg
View
▼
RateN/A
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average1.90%▼ 0.90% below avgNationally 2.09%
Details

Relationship APY; Balance: $250.00 - $9,999.99

Rate History
No change since Sep 24, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Sep 24, 2026: 1.00% APYSep 24, 2026Oct 13, 2026
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
3 Month Share Certificate
$100,000
0.90% ▼ 1.00% below North Carolina avg
View
▼
Rate0.90%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average1.90%▼ 1.00% below avgNationally 2.09%
Details

Minimum Deposit: $500; Dividend: 0.85%; APY: 0.85%

Rate History
No change since Sep 18, 2026 · 0.90% APY · checked 2 times
0.40%0.90%1.40%Sep 18, 2026: 0.90% APYSep 18, 2026Oct 13, 2026
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
Business 3 Month Share Certificate
$100,000
0.90% ▼ 1.00% below North Carolina avg
View
▼
Rate0.90%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average1.90%▼ 1.00% below avgNationally 2.09%
Details

Balance: $500 - $100,000

Rate History
No change since Sep 22, 2026 · 0.90% APY · checked 4 times
0.40%0.90%1.40%Sep 22, 2026: 0.90% APYSep 22, 2026Oct 13, 2026
Benchmark Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
Premium - 3 Months
$0
0.85% ▼ 1.05% below North Carolina avg
View
▼
Rate0.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average1.90%▼ 1.05% below avgNationally 2.09%
Details

Rate History
No change since Sep 8, 2026 · 0.85% APY · checked 5 times
0.35%0.85%1.35%Sep 8, 2026: 0.85% APYSep 8, 2026Oct 13, 2026
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
3 Month Share Certificate
$500
0.85% ▼ 1.05% below North Carolina avg
View
▼
Rate0.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average1.90%▼ 1.05% below avgNationally 2.09%
Details

Minimum Deposit: $100,000; Dividend: 0.90%; APY: 0.90%

Rate History
No change since Sep 18, 2026 · 0.85% APY · checked 2 times
0.35%0.85%1.35%Sep 18, 2026: 0.85% APYSep 18, 2026Oct 13, 2026
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
Business 3 Month Share Certificate
$500
0.85% ▼ 1.05% below North Carolina avg
View
▼
Rate0.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average1.90%▼ 1.05% below avgNationally 2.09%
Details

Balance: $500 - $100,000

Rate History
No change since Sep 22, 2026 · 0.85% APY · checked 4 times
0.35%0.85%1.35%Sep 22, 2026: 0.85% APYSep 22, 2026Oct 13, 2026
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
90-Day Certificate - Premier Member
$500
0.80% ▼ 1.10% below North Carolina avg
View
▼
Rate0.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average1.90%▼ 1.10% below avgNationally 2.09%
Details

Premier Member; minimum balance to open a certificate is $500

Rate History
No change since Oct 8, 2026 · 0.80% APY · checked 2 times
0.30%0.80%1.30%Oct 8, 2026: 0.80% APYOct 8, 2026Oct 13, 2026
First Bank Strasburg, VA
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
3 Month Certificate of Deposit
$0
0.75% ▼ 1.15% below North Carolina avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average1.90%▼ 1.15% below avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 8, 2026: 0.75% APYOct 8, 2026Oct 13, 2026
Benchmark Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.65%
Regular Time Deposits & IRAs - 3 Months
$0
0.60% ▼ 1.30% below North Carolina avg
View
▼
Rate0.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average1.90%▼ 1.30% below avgNationally 2.09%
Details

Rate History
No change since Sep 8, 2026 · 0.60% APY · checked 8 times
0.10%0.60%1.10%Sep 8, 2026: 0.60% APYSep 8, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
3-month term
$0
0.60% ▼ 1.30% below North Carolina avg
View
▼
Rate0.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average1.90%▼ 1.30% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 0.60% APY · checked 6 times
0.10%0.60%1.10%Sep 14, 2026: 0.60% APYSep 14, 2026Oct 13, 2026
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
90-Day Certificate - Non-premier member
$500
0.55% ▼ 1.35% below North Carolina avg
View
▼
Rate0.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average1.90%▼ 1.35% below avgNationally 2.09%
Details

Non-premier member; minimum balance to open a certificate is $500

Rate History
No change since Oct 8, 2026 · 0.55% APY · checked 2 times
0.05%0.55%1.05%Oct 8, 2026: 0.55% APYOct 8, 2026Oct 13, 2026
United Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
3 Month CD
$500
0.50% ▼ 1.40% below North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average1.90%▼ 1.40% below avgNationally 2.09%
Details

Rate History
No change since Sep 9, 2026 · 0.50% APY · checked 3 times
0.00%0.50%1.00%Sep 9, 2026: 0.50% APYSep 9, 2026Oct 13, 2026
Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.60%
3 Month CD
$500
0.50% ▼ 1.40% below North Carolina avg
View
▼
Rate0.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Carolina Average1.90%▼ 1.40% below avgNationally 2.09%
Details

Rate History
No change since Sep 15, 2026 · 0.50% APY · checked 5 times
0.00%0.50%1.00%Sep 15, 2026: 0.50% APYSep 15, 2026Oct 13, 2026
Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
Business Edge - 90 Day Certificate
$1,000
0.50% ▼ 1.40% below North Carolina avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average1.90%▼ 1.40% below avgNationally 2.09%
Details

Business Edge

Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 5 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
3-month term Standard CD
$0
0.50% ▼ 1.40% below North Carolina avg
View
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average1.90%▼ 1.40% below avgNationally 2.09%
Details

Regular APY

Rate History
No change since Sep 27, 2026 · 0.50% APY · checked 4 times
0.00%0.50%1.00%Sep 27, 2026: 0.50% APYSep 27, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3 month Standard Fixed Rate
$2,500
0.06% ▼ 1.84% below North Carolina avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average1.90%▼ 1.84% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99. Early withdrawal penalties may apply.

Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
0.00%0.28%0.56%Oct 7, 2026: 0.06% APYOct 7, 2026Oct 13, 2026

Sandyfield 6 Month CD Rates

North Carolina 6 Month CD Average2.89% APYNational 2.78%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Live Oak Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.23%
6-month CD
$0
4.10% ▲ 1.21% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average2.89%▲ 1.21% above avgNationally 2.78%
Details

Rate History
1 change since Sep 18, 2026 · 3.95% → 4.10% ▲ 0.15 pts · high 4.10% / low 3.95%
3.45%4.03%4.60%Sep 18, 2026: 3.95% APYOct 2, 2026: 4.10% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20264.10%▲ from 3.95%
  • Sep 18, 20263.95%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
6 Month jumbo cd
$50,000
4.10% ▲ 1.21% above North Carolina avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.89%▲ 1.21% 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%
3.25%3.93%4.60%Sep 21, 2026: 3.75% APYOct 5, 2026: 4.10% APYSep 21, 2026Oct 13, 2026
  • 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%
6 Month Certificate
$500
4.10% ▲ 1.21% above North Carolina avg
View
▼
Rate4.03%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.89%▲ 1.21% above avgNationally 2.78%
Details

HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 14, 2026: 4.00% APYSep 27, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20264.10%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
6-MONTH CD
$2,500
4.10% ▲ 1.21% above North Carolina avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.89%▲ 1.21% 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%
3.20%3.90%4.60%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.10%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
6 Month regular cd
$500
4.00% ▲ 1.11% above North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.89%▲ 1.11% 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%
3.15%3.83%4.50%Sep 21, 2026: 3.65% APYOct 5, 2026: 4.00% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.00%▲ from 3.65%
  • Sep 21, 20263.65%first recorded
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
6 Month IRA Certificate
$250
4.00% ▲ 1.11% above North Carolina avg
View
▼
Rate3.93%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.89%▲ 1.11% above avgNationally 2.78%
Details

Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 6, 2026: 4.00% APYOct 6, 2026Oct 13, 2026
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
6-Month Certificate
$250
4.00% ▲ 1.11% above North Carolina avg
View
▼
Rate3.93%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.89%▲ 1.11% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
CAROLINA
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
6 Month CD
$1,000
3.90% ▲ 1.01% above North Carolina avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.89%▲ 1.01% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.60% → 3.90% ▲ 0.30 pts · high 3.90% / low 3.60%
3.10%3.75%4.40%Sep 14, 2026: 3.60% APYOct 6, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
  • Oct 6, 20263.90%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.13%
6 Month Share Term Certificate
$250
3.85% ▲ 0.96% above North Carolina avg
View
▼
Rate3.85%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.89%▲ 0.96% above avgNationally 2.78%
Details

Rate History
1 change since Sep 22, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
3.25%3.80%4.35%Sep 22, 2026: 3.75% APYOct 9, 2026: 3.85% APYSep 22, 2026Oct 13, 2026
  • Oct 9, 20263.85%▲ from 3.75%
  • Sep 22, 20263.75%first recorded
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
6 Month Business Jumbo Choice Certificate 6
$75,000
3.80% ▲ 0.91% above North Carolina avg
View
▼
Rate3.73%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.89%▲ 0.91% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
6 Month Jumbo Choice Certificate 6
$75,000
3.80% ▲ 0.91% above North Carolina avg
View
▼
Rate3.73%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.89%▲ 0.91% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
Mcdowell Cornerstone Credit Union CU
Institution Rating:
A5.0 ★Texas Ratio: 8.17%
6 Month Certificate
$1,000
3.80% ▲ 0.91% above North Carolina avg
View
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.89%▲ 0.91% above avgNationally 2.78%
Details

Rate History
1 change since Sep 18, 2026 · 3.91% → 3.80% ▼ 0.11 pts · high 3.91% / low 3.80%
3.30%3.86%4.41%Sep 18, 2026: 3.91% APYOct 9, 2026: 3.80% APYSep 18, 2026Oct 13, 2026
  • 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%
6 Months Share Certificate
$5,000
3.80% ▲ 0.91% above North Carolina avg
View
▼
Rate3.75%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.89%▲ 0.91% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 5 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
Regular Certificates - 6 Month
$0
3.75% ▲ 0.86% above North Carolina avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.89%▲ 0.86% above avgNationally 2.78%
Details

Rate History
No change since Oct 6, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 6, 2026: 3.75% APYOct 6, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
6-Month CD
$0
3.75% ▲ 0.86% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.89%▲ 0.86% above avgNationally 2.78%
Details

Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
6-Month Term
$1,000
3.75% ▲ 0.86% above North Carolina avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.89%▲ 0.86% above avgNationally 2.78%
Details

Rate History
No change since Sep 27, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 27, 2026: 3.75% APYSep 27, 2026Oct 13, 2026
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
IRA Certificate - 6 Months (Reg/Roth/Educ)
$100,000
3.70% ▲ 0.81% above North Carolina avg
View
▼
Rate3.64%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.89%▲ 0.81% above avgNationally 2.78%
Details

Rate History
1 change since Sep 18, 2026 · 3.25% → 3.70% ▲ 0.45 pts · high 3.70% / low 3.25%
2.75%3.48%4.20%Sep 18, 2026: 3.25% APYSep 25, 2026: 3.70% APYSep 18, 2026Oct 13, 2026
  • Sep 25, 20263.70%▲ from 3.25%
  • Sep 18, 20263.25%first recorded
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
6 Month IRA Choice Certificate 6
$250
3.70% ▲ 0.81% above North Carolina avg
View
▼
Rate3.63%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.89%▲ 0.81% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 7 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
IRA Share Certificate (180 Day)
$500
3.70% ▲ 0.81% above North Carolina avg
View
▼
Rate3.64%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.89%▲ 0.81% above avgNationally 2.78%
Details

Rate History
No change since Oct 5, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 5, 2026: 3.70% APYOct 5, 2026Oct 13, 2026
Roxboro Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
6 Month Certificate of Deposit
$0
3.65% ▲ 0.76% above North Carolina avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average2.89%▲ 0.76% above avgNationally 2.78%
Details

Rate History
No change since Oct 8, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 8, 2026: 3.65% APYOct 8, 2026Oct 13, 2026
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
6 Month Certificate
$100,000
3.65% ▲ 0.76% above North Carolina avg
View
▼
Rate3.59%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.89%▲ 0.76% above avgNationally 2.78%
Details

Rate History
No change since Oct 5, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 5, 2026: 3.65% APYOct 5, 2026Oct 13, 2026
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
IRA Certificate - 6 Months (Reg/Roth/Educ)
$1,000
3.65% ▲ 0.76% above North Carolina avg
View
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.89%▲ 0.76% above avgNationally 2.78%
Details

Rate History
1 change since Sep 18, 2026 · 3.20% → 3.65% ▲ 0.45 pts · high 3.65% / low 3.20%
2.70%3.43%4.15%Sep 18, 2026: 3.20% APYSep 25, 2026: 3.65% APYSep 18, 2026Oct 13, 2026
  • Sep 25, 20263.65%▲ from 3.20%
  • Sep 18, 20263.20%first recorded
Excite Credit Union
Institution Rating:
A4.9 ★Texas Ratio: 5.41%
6 Month Business Certificate
$500
3.65% ▲ 0.76% above North Carolina avg
View
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.89%▲ 0.76% above avgNationally 2.78%
Details

APY=Annual Percentage Yield; 4.170% Dividend Rate

Rate History
No change since Sep 22, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Sep 22, 2026: 3.65% APYSep 22, 2026Oct 13, 2026
Riverside Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Certificate
$0
3.61% ▲ 0.72% above North Carolina avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Carolina Average2.89%▲ 0.72% above avgNationally 2.78%
Details

Balance: $1,000 - $1,000

Rate History
No change since Sep 24, 2026 · 3.61% APY · checked 5 times
3.11%3.61%4.11%Sep 24, 2026: 3.61% APYSep 24, 2026Oct 13, 2026
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
6 Month Certificate
$1,000
3.60% ▲ 0.71% above North Carolina avg
View
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.89%▲ 0.71% above avgNationally 2.78%
Details

Rate History
No change since Oct 5, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 5, 2026: 3.60% APYOct 5, 2026Oct 13, 2026
RTP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
6 Month Business Certificate Account
$250
3.56% ▲ 0.67% above North Carolina avg
View
▼
Rate3.50%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.89%▲ 0.67% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.56% ▲ 0.26 pts · high 3.56% / low 3.30%
2.80%3.43%4.06%Sep 14, 2026: 3.30% APYOct 5, 2026: 3.56% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.56%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
RTP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
6 Month Certificate
$250
3.56% ▲ 0.67% above North Carolina avg
View
▼
Rate3.50%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.89%▲ 0.67% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.56% ▲ 0.26 pts · high 3.56% / low 3.30%
2.80%3.43%4.06%Sep 14, 2026: 3.30% APYOct 5, 2026: 3.56% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.56%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.95%
Share Certificate 6 Months
$500
3.56% ▲ 0.67% above North Carolina avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.89%▲ 0.67% above avgNationally 2.78%
Details

Rate History
No change since Sep 22, 2026 · 3.56% APY · checked 3 times
3.06%3.56%4.06%Sep 22, 2026: 3.56% APYSep 22, 2026Oct 13, 2026
Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
6-mo. Share Certificate
$1,000
3.55% ▲ 0.66% above North Carolina avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.89%▲ 0.66% above avgNationally 2.78%
Details

Senior Rewards

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 5 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
TCP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Share Term Certificate - 6 Month (Fixed Rate)
$250
3.54% ▲ 0.65% above North Carolina avg
View
▼
Rate3.50%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.89%▲ 0.65% above avgNationally 2.78%
Details

Rate History
No change since Oct 9, 2026 · 3.54% APY
3.04%3.54%4.04%Oct 9, 2026: 3.54% APYOct 9, 2026Oct 13, 2026
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
6 Month Share Certificate
$500
3.50% ▲ 0.61% above North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average2.89%▲ 0.61% above avgNationally 2.78%
Details

Maximum Balance to Earn: $250,000.00; Compounds: Monthly

Rate History
No change since Sep 12, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 12, 2026: 3.50% APYSep 12, 2026Oct 13, 2026
Welcome Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
6 Month Certificate
$500
3.50% ▲ 0.61% above North Carolina avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.89%▲ 0.61% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
6-mo. Share Certificate
$1,000
3.50% ▲ 0.61% above North Carolina avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.89%▲ 0.61% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
6 Month IRA Certificate
$0
3.45% ▲ 0.56% above North Carolina avg
View
▼
Rate3.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
North Carolina Average2.89%▲ 0.56% above avgNationally 2.78%
Details

Rate History
No change since Sep 29, 2026 · 3.45% APY
2.95%3.45%3.95%Sep 29, 2026: 3.45% APYSep 29, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
6 Month Share Certificates
$0
3.45% ▲ 0.56% above North Carolina avg
View
▼
Rate3.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
North Carolina Average2.89%▲ 0.56% above avgNationally 2.78%
Details

Rate History
No change since Sep 29, 2026 · 3.45% APY
2.95%3.45%3.95%Sep 29, 2026: 3.45% APYSep 29, 2026Oct 13, 2026
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
6 Month Term Certificate
$200,000
3.40% ▲ 0.51% above North Carolina avg
View
▼
Rate3.40%
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.89%▲ 0.51% above avgNationally 2.78%
Details

Rate History
No change since Oct 10, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 10, 2026: 3.40% APYOct 10, 2026Oct 13, 2026
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
6 Month Certificate or IRA
$0
3.35% ▲ 0.46% above North Carolina avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.89%▲ 0.46% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 7 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 13, 2026
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
6 Month Term Certificate
$100,000
3.35% ▲ 0.46% above North Carolina avg
View
▼
Rate3.35%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.89%▲ 0.46% above avgNationally 2.78%
Details

Rate History
No change since Oct 10, 2026 · 3.35% APY
2.85%3.35%3.85%Oct 10, 2026: 3.35% APYOct 10, 2026Oct 13, 2026
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
6 Month Share Certificate Accounts
$500
3.30% ▲ 0.41% above North Carolina avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.89%▲ 0.41% above avgNationally 2.78%
Details

Rate History
No change since Sep 21, 2026 · 3.30% APY · checked 3 times
2.80%3.30%3.80%Sep 21, 2026: 3.30% APYSep 21, 2026Oct 13, 2026
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
IRA Certificate Accounts - 6 month
$500
3.30% ▲ 0.41% above North Carolina avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.89%▲ 0.41% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
6 Month Certificate
$500
3.25% ▲ 0.36% above North Carolina avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.89%▲ 0.36% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.10% → 3.25% ▲ 0.15 pts · high 3.25% / low 3.10%
2.60%3.18%3.75%Sep 14, 2026: 3.10% APYOct 9, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.25%▲ from 3.10%
  • Sep 14, 20263.10%first recorded
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
6 Month Certificate
$500
3.25% ▲ 0.36% above North Carolina avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.89%▲ 0.36% above avgNationally 2.78%
Details

Balance: $50,000.00 or greater

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 4 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
Emergency Responders Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
6 Month Certificate
$500
3.25% ▲ 0.36% above North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.89%▲ 0.36% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 2.75% → 3.25% ▲ 0.50 pts · high 3.25% / low 2.75%
2.25%3.00%3.75%Sep 14, 2026: 2.75% APYOct 9, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.25%▲ from 2.75%
  • Sep 14, 20262.75%first recorded
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
6 Month Certificate
$0
3.20% ▲ 0.31% above North Carolina avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average2.89%▲ 0.31% above avgNationally 2.78%
Details

Rate History
No change since Sep 24, 2026 · 3.20% APY · checked 5 times
2.70%3.20%3.70%Sep 24, 2026: 3.20% APYSep 24, 2026Oct 13, 2026
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
6 Month Share Term Certificate
$500
3.20% ▲ 0.31% above North Carolina avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.89%▲ 0.31% above avgNationally 2.78%
Details

Rate History
No change since Oct 10, 2026 · 3.20% APY
2.70%3.20%3.70%Oct 10, 2026: 3.20% APYOct 10, 2026Oct 13, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
6 Month Term
$0
3.00% ▲ 0.11% above North Carolina avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average2.89%▲ 0.11% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 13, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
Business 6 Month Term
$0
3.00% ▲ 0.11% above North Carolina avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average2.89%▲ 0.11% above avgNationally 2.78%
Details

Balance: $100,000+

Rate History
No change since Sep 24, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 24, 2026: 3.00% APYSep 24, 2026Oct 13, 2026
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
Standard CDs and IRAs - 6 Month
$0
3.00% ▲ 0.11% above North Carolina avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average2.89%▲ 0.11% above avgNationally 2.78%
Details

Schedule an Appointment

Rate History
No change since Oct 7, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 7, 2026: 3.00% APYOct 7, 2026Oct 13, 2026
American Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
6 Month IRA and Share Certificates
$500
3.00% ▲ 0.11% above North Carolina avg
View
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.89%▲ 0.11% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
6 Month Term Certificate
$500
3.00% ▲ 0.11% above North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.89%▲ 0.11% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026

Sandyfield 12 Month CD Rates

North Carolina 12 Month CD Average3.15% APYNational 2.99%▲ 0.07% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
Limited-Time 12 Month Term (new external funds required)
$0
5.00% ▲ 1.85% above North Carolina avg
View
▼
Rate4.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average3.15%▲ 1.85% above avgNationally 2.99%
Details

New external funds required

Rate History
No change since Oct 7, 2026 · 5.00% APY · checked 2 times
4.50%5.00%5.50%Oct 7, 2026: 5.00% APYOct 7, 2026Oct 13, 2026
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
12 Month Special Limited Term Certificate
$5,000
5.00% ▲ 1.85% above North Carolina avg
View
▼
Rate4.88%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.15%▲ 1.85% above avgNationally 2.99%
Details

Rate History
No change since Oct 9, 2026 · 5.00% APY · checked 3 times
4.50%5.00%5.50%Oct 9, 2026: 5.00% APYOct 9, 2026Oct 13, 2026
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
Traditional 12-Month IRA Certificate - Premier Member
$500
4.50% ▲ 1.35% above North Carolina avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average3.15%▲ 1.35% above avgNationally 2.99%
Details

Premier Member rate; Traditional & Roth Certificates Rates

Rate History
No change since Oct 12, 2026 · 4.50% APY
4.00%4.50%5.00%Oct 12, 2026: 4.50% APYOct 12, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Special EasyStart Certificate
$50
4.35% ▲ 1.20% above North Carolina avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.15%▲ 1.20% above avgNationally 2.99%
Details

Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Sep 30, 2026: 4.35% APYSep 30, 2026Oct 13, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
12 Month elite jumbo cd
$250,000
4.35% ▲ 1.20% above North Carolina avg
View
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.15%▲ 1.20% above avgNationally 2.99%
Details

Rate History
1 change since Sep 21, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
3.50%4.18%4.85%Sep 21, 2026: 4.00% APYOct 5, 2026: 4.35% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.35%▲ from 4.00%
  • Sep 21, 20264.00%first recorded
Live Oak Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.23%
1-Year CD
$0
4.30% ▲ 1.15% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average3.15%▲ 1.15% above avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 4.15% → 4.30% ▲ 0.15 pts · high 4.30% / low 4.15%
3.65%4.23%4.80%Sep 18, 2026: 4.15% APYOct 2, 2026: 4.30% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20264.30%▲ from 4.15%
  • Sep 18, 20264.15%first recorded
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
12 Month Certificate
$500
4.30% ▲ 1.15% above North Carolina avg
View
▼
Rate4.22%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.15%▲ 1.15% above avgNationally 2.99%
Details

HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.30% ▲ 0.05 pts · high 4.30% / low 4.25%
3.75%4.28%4.80%Sep 14, 2026: 4.25% APYSep 27, 2026: 4.30% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20264.30%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
12-MONTH CD
$500
4.30% ▲ 1.15% above North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.15%▲ 1.15% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.30% ▲ 0.50 pts · high 4.30% / low 3.80%
3.30%4.05%4.80%Sep 14, 2026: 3.80% APYOct 10, 2026: 4.30% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.30%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
Traditional 12-Month IRA Certificate
$500
4.25% ▲ 1.10% above North Carolina avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average3.15%▲ 1.10% above avgNationally 2.99%
Details

Non-premier member rate; Traditional & Roth Certificates Rates

Rate History
1 change since Sep 14, 2026 · 4.50% → 4.25% ▼ 0.25 pts · high 4.50% / low 4.25%
3.75%4.38%5.00%Sep 14, 2026: 4.50% APYSep 25, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20264.25%▼ from 4.50%
  • Sep 14, 20264.50%first recorded
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
IRA Certificate - 1 Year Starter Add-On
$0
4.25% ▲ 1.10% above North Carolina avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.15%▲ 1.10% above avgNationally 2.99%
Details

Rate History
No change since Oct 6, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 6, 2026: 4.25% APYOct 6, 2026Oct 13, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
12 Month jumbo cd
$50,000
4.20% ▲ 1.05% above North Carolina avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.15%▲ 1.05% above avgNationally 2.99%
Details

Rate History
1 change since Sep 21, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
3.35%4.03%4.70%Sep 21, 2026: 3.85% APYOct 5, 2026: 4.20% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.20%▲ from 3.85%
  • Sep 21, 20263.85%first recorded
Lions Share Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 17.46%
12-Month IRA CD
$500
4.15% ▲ 1.00% above North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.15%▲ 1.00% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 6 times
3.65%4.15%4.65%Sep 18, 2026: 4.15% APYSep 18, 2026Oct 13, 2026
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
12 Month IRA Certificate
$250
4.15% ▲ 1.00% above North Carolina avg
View
▼
Rate4.07%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.15%▲ 1.00% above avgNationally 2.99%
Details

Rate History
No change since Oct 6, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 6, 2026: 4.15% APYOct 6, 2026Oct 13, 2026
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
12-Month Certificate
$250
4.15% ▲ 1.00% above North Carolina avg
View
▼
Rate4.07%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.15%▲ 1.00% 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%
3.50%4.08%4.65%Sep 14, 2026: 4.00% APYOct 1, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
  • Oct 1, 20264.15%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
12 Month Business Jumbo Choice Certificate 12
$75,000
4.10% ▲ 0.95% above North Carolina avg
View
▼
Rate4.02%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.15%▲ 0.95% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 7 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
12 Month Jumbo Choice Certificate 12
$75,000
4.10% ▲ 0.95% above North Carolina avg
View
▼
Rate4.02%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.15%▲ 0.95% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 7 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
12 Month regular cd
$500
4.10% ▲ 0.95% above North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.15%▲ 0.95% above avgNationally 2.99%
Details

Rate History
1 change since Sep 21, 2026 · 3.75% → 4.10% ▲ 0.35 pts · high 4.10% / low 3.75%
3.25%3.93%4.60%Sep 21, 2026: 3.75% APYOct 5, 2026: 4.10% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.10%▲ from 3.75%
  • Sep 21, 20263.75%first recorded
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
1 Year Add-On Certificate
$0
4.10% ▲ 0.95% above North Carolina avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.15%▲ 0.95% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 7 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
Starter Certificate - 1 Year Add-On
$0
4.10% ▲ 0.95% above North Carolina avg
View
▼
Rate4.04%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.15%▲ 0.95% above avgNationally 2.99%
Details

Rate History
No change since Oct 6, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 6, 2026: 4.10% APYOct 6, 2026Oct 13, 2026
Duke University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
IRA Certificate 6-12 month term
$500
4.08% ▲ 0.93% above North Carolina avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.15%▲ 0.93% above avgNationally 2.99%
Details

IRA Certificate2

Rate History
No change since Oct 5, 2026 · 4.08% APY · checked 2 times
3.58%4.08%4.58%Oct 5, 2026: 4.08% APYOct 5, 2026Oct 13, 2026
Duke University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
Share Certificate 6-12 month term
$500
4.08% ▲ 0.93% above North Carolina avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.15%▲ 0.93% above avgNationally 2.99%
Details

Share Certificate1

Rate History
No change since Oct 5, 2026 · 4.08% APY · checked 2 times
3.58%4.08%4.58%Oct 5, 2026: 4.08% APYOct 5, 2026Oct 13, 2026
Blue Ridge Bank National Association
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
12 Month Certificate
$0
4.05% ▲ 0.90% above North Carolina avg
View
▼
Rate3.99%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average3.15%▲ 0.90% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 4.05% APY · checked 2 times
3.55%4.05%4.55%Oct 7, 2026: 4.05% APYOct 7, 2026Oct 13, 2026
Mechanics & Farmers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.41%
12-Month CD
$0
4.01% ▲ 0.86% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average3.15%▲ 0.86% above avgNationally 2.99%
Details

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 2 times
3.51%4.01%4.51%Oct 8, 2026: 4.01% APYOct 8, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month ESA EasyStart Certificate
$50
4.00% ▲ 0.85% above North Carolina avg
View
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.15%▲ 0.85% above avgNationally 2.99%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 6, 2026: 4.00% APYOct 6, 2026Oct 13, 2026
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
12 month CD
$1,000
4.00% ▲ 0.85% above North Carolina avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average3.15%▲ 0.85% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
12 Month IRA Choice Certificate 12
$250
4.00% ▲ 0.85% above North Carolina avg
View
▼
Rate3.92%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.15%▲ 0.85% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.13%
12 Month Share Term Certificate
$250
4.00% ▲ 0.85% above North Carolina avg
View
▼
Rate4.00%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.15%▲ 0.85% above avgNationally 2.99%
Details

Rate History
1 change since Sep 22, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 22, 2026: 3.75% APYOct 9, 2026: 4.00% APYSep 22, 2026Oct 13, 2026
  • Oct 9, 20264.00%▲ from 3.75%
  • Sep 22, 20263.75%first recorded
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
Regular Certificates - 12 Month Special
$0
4.00% ▲ 0.85% above North Carolina avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.15%▲ 0.85% above avgNationally 2.99%
Details

Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 6, 2026: 4.00% APYOct 6, 2026Oct 13, 2026
CAROLINA
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
1 Year CD
$50,000
4.00% ▲ 0.85% above North Carolina avg
View
▼
Rate3.93%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.15%▲ 0.85% above avgNationally 2.99%
Details

Rate History
2 changes since Sep 14, 2026 · 3.45% → 4.00% ▲ 0.55 pts · high 4.00% / low 3.45%
2.90%3.73%4.55%Sep 14, 2026: 3.45% APYSep 18, 2026: 3.50% APYOct 6, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 6, 20264.00%▲ from 3.50%
  • Sep 18, 20263.50%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1-Year CD
$0
4.00% ▲ 0.85% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.15%▲ 0.85% above avgNationally 2.99%
Details

Rate History
No change since Sep 24, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 24, 2026: 4.00% APYSep 24, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1-Year Term
$1,000
4.00% ▲ 0.85% above North Carolina avg
View
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.15%▲ 0.85% above avgNationally 2.99%
Details

Rate History
No change since Sep 27, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Sep 27, 2026: 4.00% APYSep 27, 2026Oct 13, 2026
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
12 Month Share Certificate Accounts
$500
3.92% ▲ 0.77% above North Carolina avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.15%▲ 0.77% above avgNationally 2.99%
Details

Rate History
1 change since Sep 21, 2026 · 3.66% → 3.92% ▲ 0.26 pts · high 3.92% / low 3.66%
3.16%3.79%4.42%Sep 21, 2026: 3.66% APYOct 9, 2026: 3.92% APYSep 21, 2026Oct 13, 2026
  • Oct 9, 20263.92%▲ from 3.66%
  • Sep 21, 20263.66%first recorded
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
IRA Certificate Accounts - 12 month
$500
3.92% ▲ 0.77% above North Carolina avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.15%▲ 0.77% 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%
3.16%3.79%4.42%Sep 14, 2026: 3.66% APYOct 9, 2026: 3.92% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.92%▲ from 3.66%
  • Sep 14, 20263.66%first recorded
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
12 Month Share Certificate
$1,000
3.90% ▲ 0.75% above North Carolina avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average3.15%▲ 0.75% above avgNationally 2.99%
Details

Maximum Balance to Earn: $250,000.00; Compounds: Monthly

Rate History
No change since Sep 12, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 12, 2026: 3.90% APYSep 12, 2026Oct 13, 2026
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
12 Month Standard Personal Share Certificates
$0
3.87% ▲ 0.72% above North Carolina avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average3.15%▲ 0.72% above avgNationally 2.99%
Details

Opening deposit of $10,000.00 and above; Early withdrawal penalties may apply and reduce earnings.

Rate History
1 change since Sep 12, 2026 · 3.76% → 3.87% ▲ 0.11 pts · high 3.87% / low 3.76%
3.26%3.82%4.37%Sep 12, 2026: 3.76% APYOct 12, 2026: 3.87% APYSep 12, 2026Oct 13, 2026
  • Oct 12, 20263.87%▲ from 3.76%
  • Sep 12, 20263.76%first recorded
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
Standard Personal Share Certificates - 12 Months
$10,000
3.87% ▲ 0.72% above North Carolina avg
View
▼
Rate3.80%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average3.15%▲ 0.72% above avgNationally 2.99%
Details

Opening deposit of $10,000.00 and above; Early withdrawal penalties may apply and reduce earnings.

Rate History
1 change since Sep 12, 2026 · 3.76% → 3.87% ▲ 0.11 pts · high 3.87% / low 3.76%
3.26%3.82%4.37%Sep 12, 2026: 3.76% APYOct 12, 2026: 3.87% APYSep 12, 2026Oct 13, 2026
  • Oct 12, 20263.87%▲ from 3.76%
  • Sep 12, 20263.76%first recorded
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.95%
Share Certificate 12 Months
$500
3.87% ▲ 0.72% above North Carolina avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.15%▲ 0.72% above avgNationally 2.99%
Details

Rate History
No change since Sep 22, 2026 · 3.87% APY · checked 3 times
3.37%3.87%4.37%Sep 22, 2026: 3.87% APYSep 22, 2026Oct 13, 2026
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.20%
12 Month Fixed Rate
$0
3.85% ▲ 0.70% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average3.15%▲ 0.70% above avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 3.70% → 3.85% ▲ 0.15 pts · high 3.85% / low 3.70%
3.20%3.78%4.35%Sep 18, 2026: 3.70% APYSep 27, 2026: 3.85% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20263.85%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
IRA Share Certificate (12 Month)
$500
3.85% ▲ 0.70% above North Carolina avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.15%▲ 0.70% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 6 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
12 Month Certificate
$500
3.80% ▲ 0.65% above North Carolina avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.15%▲ 0.65% above avgNationally 2.99%
Details

Rate History
2 changes since Sep 14, 2026 · 3.80% → 3.80% ▼ 0.00 pts · high 4.06% / low 3.80%
3.30%3.93%4.56%Sep 14, 2026: 3.80% APYSep 21, 2026: 4.06% APYSep 25, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
  • Sep 25, 20263.80%▼ from 4.06%
  • Sep 21, 20264.06%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
12 Month SmartStart
$100
3.80% ▲ 0.65% above North Carolina avg
View
▼
Rate3.75%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.15%▲ 0.65% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
TCP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Share Term Certificate - 12 Month (Fixed Rate)
$250
3.80% ▲ 0.65% above North Carolina avg
View
▼
Rate3.75%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.15%▲ 0.65% above avgNationally 2.99%
Details

Rate History
No change since Oct 9, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 9, 2026: 3.80% APYOct 9, 2026Oct 13, 2026
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
Standard Personal Share Certificates - 12 Months
$0
3.76% ▲ 0.61% above North Carolina avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average3.15%▲ 0.61% above avgNationally 2.99%
Details

Balance: $500 - $9,999.99

Rate History
No change since Sep 12, 2026 · 3.76% APY · checked 7 times
3.26%3.76%4.26%Sep 12, 2026: 3.76% APYSep 12, 2026Oct 13, 2026
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
Traditional IRA Certificates - 12 Months
$0
3.76% ▲ 0.61% above North Carolina avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average3.15%▲ 0.61% above avgNationally 2.99%
Details

Balance: $500.00 - $9,999.99

Rate History
No change since Sep 12, 2026 · 3.76% APY · checked 2 times
3.26%3.76%4.26%Sep 12, 2026: 3.76% APYSep 12, 2026Oct 13, 2026
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
12-Month Certificate - Premier Member
$500
3.75% ▲ 0.60% above North Carolina avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average3.15%▲ 0.60% above avgNationally 2.99%
Details

Premier Member; minimum balance to open a certificate is $500

Rate History
No change since Oct 8, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 8, 2026: 3.75% APYOct 8, 2026Oct 13, 2026
CAROLINA
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
1 Year CD
$1,000
3.75% ▲ 0.60% above North Carolina avg
View
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.15%▲ 0.60% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.45% → 3.75% ▲ 0.30 pts · high 3.75% / low 3.45%
2.95%3.60%4.25%Sep 14, 2026: 3.45% APYOct 6, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 6, 20263.75%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
RTP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
12 Month Business Certificate Account
$250
3.72% ▲ 0.57% above North Carolina avg
View
▼
Rate3.65%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.15%▲ 0.57% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.46% → 3.72% ▲ 0.26 pts · high 3.72% / low 3.46%
2.96%3.59%4.22%Sep 14, 2026: 3.46% APYOct 5, 2026: 3.72% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.72%▲ from 3.46%
  • Sep 14, 20263.46%first recorded
RTP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
12 Month Certificate
$250
3.72% ▲ 0.57% above North Carolina avg
View
▼
Rate3.65%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.15%▲ 0.57% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.46% → 3.72% ▲ 0.26 pts · high 3.72% / low 3.46%
2.96%3.59%4.22%Sep 14, 2026: 3.46% APYOct 5, 2026: 3.72% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.72%▲ from 3.46%
  • Sep 14, 20263.46%first recorded
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
Certificate - 12 Months
$100,000
3.70% ▲ 0.55% above North Carolina avg
View
▼
Rate3.64%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.15%▲ 0.55% above avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 3.20% → 3.70% ▲ 0.50 pts · high 3.70% / low 3.20%
2.70%3.45%4.20%Sep 18, 2026: 3.20% APYSep 25, 2026: 3.70% APYSep 18, 2026Oct 13, 2026
  • Sep 25, 20263.70%▲ from 3.20%
  • Sep 18, 20263.20%first recorded
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
IRA Certificate - 12 Months (Reg/Roth/Educ)
$1,000
3.70% ▲ 0.55% above North Carolina avg
View
▼
Rate3.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.15%▲ 0.55% above avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 3.20% → 3.70% ▲ 0.50 pts · high 3.70% / low 3.20%
2.70%3.45%4.20%Sep 18, 2026: 3.20% APYOct 5, 2026: 3.70% APYSep 18, 2026Oct 13, 2026
  • Oct 5, 20263.70%▲ from 3.20%
  • Sep 18, 20263.20%first recorded

Sandyfield 18 Month CD Rates

North Carolina 18 Month CD Average3.02% APYNational 2.87%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
18 Month senior jumbo cd
$50,000
4.45% ▲ 1.43% above North Carolina avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.02%▲ 1.43% above avgNationally 2.87%
Details

senior

Rate History
1 change since Sep 29, 2026 · 4.10% → 4.45% ▲ 0.35 pts · high 4.45% / low 4.10%
3.60%4.28%4.95%Sep 29, 2026: 4.10% APYOct 5, 2026: 4.45% APYSep 29, 2026Oct 13, 2026
  • Oct 5, 20264.45%▲ from 4.10%
  • Sep 29, 20264.10%first recorded
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
18 Month Certificate
$500
4.40% ▲ 1.38% above North Carolina avg
View
▼
Rate4.31%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.02%▲ 1.38% above avgNationally 2.87%
Details

HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.

Rate History
1 change since Sep 14, 2026 · 4.20% → 4.40% ▲ 0.20 pts · high 4.40% / low 4.20%
3.70%4.30%4.90%Sep 14, 2026: 4.20% APYSep 27, 2026: 4.40% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20264.40%▲ from 4.20%
  • Sep 14, 20264.20%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
18 Month senior regular cd
$500
4.35% ▲ 1.33% above North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.02%▲ 1.33% above avgNationally 2.87%
Details

senior

Rate History
1 change since Sep 29, 2026 · 4.00% → 4.35% ▲ 0.35 pts · high 4.35% / low 4.00%
3.50%4.18%4.85%Sep 29, 2026: 4.00% APYOct 5, 2026: 4.35% APYSep 29, 2026Oct 13, 2026
  • Oct 5, 20264.35%▲ from 4.00%
  • Sep 29, 20264.00%first recorded
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.13%
18 Month Share Term Certificate
$250
4.30% ▲ 1.28% above North Carolina avg
View
▼
Rate4.30%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.02%▲ 1.28% above avgNationally 2.87%
Details

Rate History
1 change since Sep 22, 2026 · 3.85% → 4.30% ▲ 0.45 pts · high 4.30% / low 3.85%
3.35%4.08%4.80%Sep 22, 2026: 3.85% APYOct 9, 2026: 4.30% APYSep 22, 2026Oct 13, 2026
  • Oct 9, 20264.30%▲ from 3.85%
  • Sep 22, 20263.85%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
18 Month jumbo cd
$50,000
4.25% ▲ 1.23% above North Carolina avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.02%▲ 1.23% above avgNationally 2.87%
Details

Rate History
1 change since Sep 21, 2026 · 3.90% → 4.25% ▲ 0.35 pts · high 4.25% / low 3.90%
3.40%4.08%4.75%Sep 21, 2026: 3.90% APYOct 5, 2026: 4.25% APYSep 21, 2026Oct 13, 2026
  • 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% ▲ 1.23% above North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.02%▲ 1.23% above avgNationally 2.87%
Details

Rate History
No change since Oct 10, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 10, 2026: 4.25% APYOct 10, 2026Oct 13, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
18 Month regular cd
$500
4.15% ▲ 1.13% above North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.02%▲ 1.13% above avgNationally 2.87%
Details

Rate History
1 change since Sep 21, 2026 · 3.80% → 4.15% ▲ 0.35 pts · high 4.15% / low 3.80%
3.30%3.98%4.65%Sep 21, 2026: 3.80% APYOct 5, 2026: 4.15% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.15%▲ from 3.80%
  • Sep 21, 20263.80%first recorded
Live Oak Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.23%
18-Month CD
$0
4.10% ▲ 1.08% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average3.02%▲ 1.08% above avgNationally 2.87%
Details

Rate History
1 change since Sep 18, 2026 · 3.95% → 4.10% ▲ 0.15 pts · high 4.10% / low 3.95%
3.45%4.03%4.60%Sep 18, 2026: 3.95% APYOct 2, 2026: 4.10% APYSep 18, 2026Oct 13, 2026
  • Oct 2, 20264.10%▲ from 3.95%
  • Sep 18, 20263.95%first recorded
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
18 Month Business Jumbo Choice Certificate 18
$75,000
4.10% ▲ 1.08% above North Carolina avg
View
▼
Rate4.02%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.02%▲ 1.08% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 7 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
18 Month Jumbo Choice Certificate 18
$75,000
4.10% ▲ 1.08% above North Carolina avg
View
▼
Rate4.02%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.02%▲ 1.08% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 7 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
18 Month IRA Certificate
$250
4.10% ▲ 1.08% above North Carolina avg
View
▼
Rate4.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.02%▲ 1.08% above avgNationally 2.87%
Details

Rate History
No change since Oct 6, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 6, 2026: 4.10% APYOct 6, 2026Oct 13, 2026
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
18-Month Certificate
$250
4.10% ▲ 1.08% above North Carolina avg
View
▼
Rate4.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.02%▲ 1.08% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 7 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
12 - 18 Month Business Choice Certificate 18
$500
4.00% ▲ 0.98% above North Carolina avg
View
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.02%▲ 0.98% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
12 - 18 Month Choice Certificate 18
$250
4.00% ▲ 0.98% above North Carolina avg
View
▼
Rate3.92%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.02%▲ 0.98% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
18 Month IRA Choice Certificate 18
$250
4.00% ▲ 0.98% above North Carolina avg
View
▼
Rate3.92%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.02%▲ 0.98% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
IRA Share Certificate (18 Month)
$500
3.90% ▲ 0.88% above North Carolina avg
View
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.02%▲ 0.88% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 6 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
18 Month Standard Personal Share Certificates
$0
3.87% ▲ 0.85% above North Carolina avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average3.02%▲ 0.85% above avgNationally 2.87%
Details

Opening deposit of $10,000.00 and above; Early withdrawal penalties may apply and reduce earnings.

Rate History
1 change since Sep 12, 2026 · 3.66% → 3.87% ▲ 0.21 pts · high 3.87% / low 3.66%
3.16%3.77%4.37%Sep 12, 2026: 3.66% APYOct 12, 2026: 3.87% APYSep 12, 2026Oct 13, 2026
  • Oct 12, 20263.87%▲ from 3.66%
  • Sep 12, 20263.66%first recorded
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
Standard Personal Share Certificates - 18 Months
$10,000
3.87% ▲ 0.85% above North Carolina avg
View
▼
Rate3.80%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average3.02%▲ 0.85% above avgNationally 2.87%
Details

Opening deposit of $10,000.00 and above; Early withdrawal penalties may apply and reduce earnings.

Rate History
1 change since Sep 12, 2026 · 3.66% → 3.87% ▲ 0.21 pts · high 3.87% / low 3.66%
3.16%3.77%4.37%Sep 12, 2026: 3.66% APYOct 12, 2026: 3.87% APYSep 12, 2026Oct 13, 2026
  • Oct 12, 20263.87%▲ from 3.66%
  • Sep 12, 20263.66%first recorded
TCP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Share Term Certificate - 18 Month (Fixed Rate)
$250
3.85% ▲ 0.83% above North Carolina avg
View
▼
Rate3.80%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.02%▲ 0.83% above avgNationally 2.87%
Details

Rate History
No change since Oct 9, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 9, 2026: 3.85% APYOct 9, 2026Oct 13, 2026
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
IRA Certificate - 18 Months (Reg/Roth/Educ)
$1,000
3.80% ▲ 0.78% above North Carolina avg
View
▼
Rate3.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.02%▲ 0.78% above avgNationally 2.87%
Details

Rate History
1 change since Sep 18, 2026 · 3.05% → 3.80% ▲ 0.75 pts · high 3.80% / low 3.05%
2.30%3.43%4.55%Sep 18, 2026: 3.05% APYSep 25, 2026: 3.80% APYSep 18, 2026Oct 13, 2026
  • Sep 25, 20263.80%▲ from 3.05%
  • Sep 18, 20263.05%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
18-month term
$0
3.80% ▲ 0.78% above North Carolina avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.02%▲ 0.78% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.80% / low 3.65%
3.15%3.72%4.30%Sep 14, 2026: 3.65% APYOct 10, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.80%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.31%
IRA Certificates (CDs) - 18-month term
$0
3.80% ▲ 0.78% above North Carolina avg
View
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.02%▲ 0.78% above avgNationally 2.87%
Details

Rate History
No change since Oct 10, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 10, 2026: 3.80% APYOct 10, 2026Oct 13, 2026
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
18 Month Traditional IRA Certificate
$500
3.76% ▲ 0.74% above North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average3.02%▲ 0.74% above avgNationally 2.87%
Details

Rate History
1 change since Sep 12, 2026 · 3.66% → 3.76% ▲ 0.10 pts · high 3.76% / low 3.66%
3.16%3.71%4.26%Sep 12, 2026: 3.66% APYOct 12, 2026: 3.76% APYSep 12, 2026Oct 13, 2026
  • Oct 12, 20263.76%▲ from 3.66%
  • Sep 12, 20263.66%first recorded
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
Standard Personal Share Certificates - 18 Months
$0
3.76% ▲ 0.74% above North Carolina avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average3.02%▲ 0.74% above avgNationally 2.87%
Details

Balance: $500 - $9,999.99

Rate History
1 change since Sep 12, 2026 · 3.66% → 3.76% ▲ 0.10 pts · high 3.76% / low 3.66%
3.16%3.71%4.26%Sep 12, 2026: 3.66% APYOct 12, 2026: 3.76% APYSep 12, 2026Oct 13, 2026
  • Oct 12, 20263.76%▲ from 3.66%
  • Sep 12, 20263.66%first recorded
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
Traditional IRA Certificates - 18 Months
$0
3.76% ▲ 0.74% above North Carolina avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average3.02%▲ 0.74% above avgNationally 2.87%
Details

Balance: $500.00 - $9,999.99

Rate History
1 change since Sep 12, 2026 · 3.66% → 3.76% ▲ 0.10 pts · high 3.76% / low 3.66%
3.16%3.71%4.26%Sep 12, 2026: 3.66% APYOct 12, 2026: 3.76% APYSep 12, 2026Oct 13, 2026
  • Oct 12, 20263.76%▲ from 3.66%
  • Sep 12, 20263.66%first recorded
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
18 Month Share Certificate
$1,000
3.75% ▲ 0.73% above North Carolina avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average3.02%▲ 0.73% above avgNationally 2.87%
Details

Maximum Balance to Earn: $250,000.00; Compounds: Monthly

Rate History
No change since Sep 12, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 12, 2026: 3.75% APYSep 12, 2026Oct 13, 2026
Shuford Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
18 Month CD
$0
3.75% ▲ 0.73% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.02%▲ 0.73% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 13, 2026
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
18 Month Term Certificate
$200,000
3.75% ▲ 0.73% above North Carolina avg
View
▼
Rate3.75%
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.02%▲ 0.73% above avgNationally 2.87%
Details

Rate History
No change since Oct 10, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 10, 2026: 3.75% APYOct 10, 2026Oct 13, 2026
REV
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
Regular Certificates - 18 Month Special
$0
3.75% ▲ 0.73% above North Carolina avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.02%▲ 0.73% above avgNationally 2.87%
Details

Rate History
No change since Oct 6, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 6, 2026: 3.75% APYOct 6, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month ESA EasyStart Certificate
$50
3.70% ▲ 0.68% above North Carolina avg
View
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.02%▲ 0.68% above avgNationally 2.87%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 6, 2026: 3.70% APYOct 6, 2026Oct 13, 2026
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
Certificate - 18 Months
$1,000
3.70% ▲ 0.68% above North Carolina avg
View
▼
Rate3.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.02%▲ 0.68% above avgNationally 2.87%
Details

Rate History
1 change since Sep 21, 2026 · 3.00% → 3.70% ▲ 0.70 pts · high 3.70% / low 3.00%
2.30%3.35%4.40%Sep 21, 2026: 3.00% APYSep 25, 2026: 3.70% APYSep 21, 2026Oct 13, 2026
  • Sep 25, 20263.70%▲ from 3.00%
  • Sep 21, 20263.00%first recorded
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
18 Month Term Certificate
$100,000
3.70% ▲ 0.68% above North Carolina avg
View
▼
Rate3.70%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.02%▲ 0.68% above avgNationally 2.87%
Details

Rate History
No change since Oct 10, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 10, 2026: 3.70% APYOct 10, 2026Oct 13, 2026
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.95%
Share Certificate 18 Months
$500
3.56% ▲ 0.54% above North Carolina avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.02%▲ 0.54% above avgNationally 2.87%
Details

Rate History
No change since Sep 22, 2026 · 3.56% APY · checked 3 times
3.06%3.56%4.06%Sep 22, 2026: 3.56% APYSep 22, 2026Oct 13, 2026
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
18 Month Certificate or IRA
$0
3.55% ▲ 0.53% above North Carolina avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.02%▲ 0.53% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
18 Month IRA Certificate
$0
3.55% ▲ 0.53% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.02%▲ 0.53% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 13, 2026
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
18 Month Share Certificate
$0
3.55% ▲ 0.53% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.02%▲ 0.53% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 5 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
18 Month Young Certificates
$0
3.55% ▲ 0.53% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.02%▲ 0.53% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 13, 2026
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
18 Month Share Term Certificate
$500
3.55% ▲ 0.53% above North Carolina avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.02%▲ 0.53% above avgNationally 2.87%
Details

Rate History
No change since Oct 10, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 10, 2026: 3.55% APYOct 10, 2026Oct 13, 2026
RTP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
18 Month Business Certificate Account
$250
3.51% ▲ 0.49% above North Carolina avg
View
▼
Rate3.45%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.02%▲ 0.49% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 6 times
3.01%3.51%4.01%Sep 14, 2026: 3.51% APYSep 14, 2026Oct 13, 2026
RTP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
18 Month Certificate
$250
3.51% ▲ 0.49% above North Carolina avg
View
▼
Rate3.45%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.02%▲ 0.49% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 6 times
3.01%3.51%4.01%Sep 14, 2026: 3.51% APYSep 14, 2026Oct 13, 2026
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
Traditional 18-Month IRA Certificate - Premier Member
$500
3.50% ▲ 0.48% above North Carolina avg
View
▼
Rate3.44%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average3.02%▲ 0.48% above avgNationally 2.87%
Details

Premier Member rate; Traditional & Roth Certificates Rates

Rate History
No change since Oct 12, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 12, 2026: 3.50% APYOct 12, 2026Oct 13, 2026
Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
18 Month Term Certificate
$500
3.50% ▲ 0.48% above North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.02%▲ 0.48% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
CS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
18-Month Special Share Certificate
$10,000
3.50% ▲ 0.48% above North Carolina avg
View
▼
Rate3.44%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.02%▲ 0.48% above avgNationally 2.87%
Details

Limited time Special rate

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Regular, IRA & Business Jumbo Certificates - 18 months
$0
3.49% ▲ 0.47% above North Carolina avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.02%▲ 0.47% above avgNationally 2.87%
Details

Rate History
1 change since Sep 18, 2026 · 3.28% → 3.49% ▲ 0.21 pts · high 3.49% / low 3.28%
2.78%3.39%3.99%Sep 18, 2026: 3.28% APYOct 1, 2026: 3.49% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20263.49%▲ from 3.28%
  • Sep 18, 20263.28%first recorded
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
18 Month Certificate
$0
3.46% ▲ 0.44% above North Carolina avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average3.02%▲ 0.44% above avgNationally 2.87%
Details

Rate History
No change since Sep 24, 2026 · 3.46% APY · checked 5 times
2.96%3.46%3.96%Sep 24, 2026: 3.46% APYSep 24, 2026Oct 13, 2026
Roxboro Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.46%
Traditional IRA-18 Months
$0
3.45% ▲ 0.43% above North Carolina avg
View
▼
Rate3.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average3.02%▲ 0.43% above avgNationally 2.87%
Details

Rate History
No change since Oct 8, 2026 · 3.45% APY · checked 2 times
2.95%3.45%3.95%Oct 8, 2026: 3.45% APYOct 8, 2026Oct 13, 2026
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
18 Month Certificate
$2,000
3.45% ▲ 0.43% above North Carolina avg
View
▼
Rate3.40%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.02%▲ 0.43% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.30% → 3.45% ▲ 0.15 pts · high 3.45% / low 3.30%
2.80%3.38%3.95%Sep 14, 2026: 3.30% APYOct 9, 2026: 3.45% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.45%▲ from 3.30%
  • Sep 14, 20263.30%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Regular, IRA & Business Junior Jumbo Certificates - 18 months
$0
3.39% ▲ 0.37% above North Carolina avg
View
▼
Rate3.34%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.02%▲ 0.37% above avgNationally 2.87%
Details

Rate History
1 change since Sep 18, 2026 · 3.18% → 3.39% ▲ 0.21 pts · high 3.39% / low 3.18%
2.68%3.29%3.89%Sep 18, 2026: 3.18% APYOct 1, 2026: 3.39% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20263.39%▲ from 3.18%
  • Sep 18, 20263.18%first recorded
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
18 Month IRA Certificate
$0
3.35% ▲ 0.33% above North Carolina avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
North Carolina Average3.02%▲ 0.33% above avgNationally 2.87%
Details

Rate History
No change since Sep 29, 2026 · 3.35% APY
2.85%3.35%3.85%Sep 29, 2026: 3.35% APYSep 29, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
18 Month Share Certificates
$0
3.35% ▲ 0.33% above North Carolina avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
North Carolina Average3.02%▲ 0.33% above avgNationally 2.87%
Details

Rate History
No change since Sep 29, 2026 · 3.35% APY
2.85%3.35%3.85%Sep 29, 2026: 3.35% APYSep 29, 2026Oct 13, 2026

Sandyfield 24 Month CD Rates

North Carolina 24 Month CD Average3.13% APYNational 2.88%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
24 Month elite jumbo cd
$250,000
4.45% ▲ 1.32% above North Carolina avg
View
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.13%▲ 1.32% above avgNationally 2.88%
Details

Rate History
1 change since Sep 21, 2026 · 4.10% → 4.45% ▲ 0.35 pts · high 4.45% / low 4.10%
3.60%4.28%4.95%Sep 21, 2026: 4.10% APYOct 5, 2026: 4.45% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.45%▲ from 4.10%
  • Sep 21, 20264.10%first recorded
Duke University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
IRA Certificate 13-24 month term
$500
4.34% ▲ 1.21% above North Carolina avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.13%▲ 1.21% above avgNationally 2.88%
Details

IRA Certificate2

Rate History
No change since Oct 5, 2026 · 4.34% APY · checked 2 times
3.84%4.34%4.84%Oct 5, 2026: 4.34% APYOct 5, 2026Oct 13, 2026
Duke University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
Share Certificate 13-24 month term
$500
4.34% ▲ 1.21% above North Carolina avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.13%▲ 1.21% above avgNationally 2.88%
Details

Share Certificate1

Rate History
No change since Oct 5, 2026 · 4.34% APY · checked 2 times
3.84%4.34%4.84%Oct 5, 2026: 4.34% APYOct 5, 2026Oct 13, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
24 Month jumbo cd
$50,000
4.30% ▲ 1.17% above North Carolina avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.13%▲ 1.17% above avgNationally 2.88%
Details

Rate History
1 change since Sep 21, 2026 · 3.95% → 4.30% ▲ 0.35 pts · high 4.30% / low 3.95%
3.45%4.13%4.80%Sep 21, 2026: 3.95% APYOct 5, 2026: 4.30% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.30%▲ from 3.95%
  • Sep 21, 20263.95%first recorded
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.13%
24 Month Share Term Certificate
$250
4.30% ▲ 1.17% above North Carolina avg
View
▼
Rate4.30%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.13%▲ 1.17% above avgNationally 2.88%
Details

Rate History
1 change since Sep 22, 2026 · 3.85% → 4.30% ▲ 0.45 pts · high 4.30% / low 3.85%
3.35%4.08%4.80%Sep 22, 2026: 3.85% APYOct 9, 2026: 4.30% APYSep 22, 2026Oct 13, 2026
  • Oct 9, 20264.30%▲ from 3.85%
  • Sep 22, 20263.85%first recorded
Crescent Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.24%
24-month CD
$1,000
4.25% ▲ 1.12% above North Carolina avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average3.13%▲ 1.12% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 7 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
24 Month Certificate
$500
4.25% ▲ 1.12% above North Carolina avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.13%▲ 1.12% above avgNationally 2.88%
Details

HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15%
3.65%4.20%4.75%Sep 14, 2026: 4.15% APYSep 27, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20264.25%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
Flagstar Bank, National Association
Institution Rating:
D3.3 ★Texas Ratio: 35.11%
24-MONTH CD
$500
4.25% ▲ 1.12% above North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.13%▲ 1.12% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.25% ▲ 0.55 pts · high 4.25% / low 3.70%
3.15%3.98%4.80%Sep 14, 2026: 3.70% APYOct 10, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.25%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
24 Month IRA Certificate
$250
4.25% ▲ 1.12% above North Carolina avg
View
▼
Rate4.17%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.13%▲ 1.12% above avgNationally 2.88%
Details

Rate History
No change since Oct 6, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 6, 2026: 4.25% APYOct 6, 2026Oct 13, 2026
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
24-Month Certificate
$250
4.25% ▲ 1.12% above North Carolina avg
View
▼
Rate4.17%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.13%▲ 1.12% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 7 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
24 Month Business Jumbo Choice Certificate 24
$75,000
4.20% ▲ 1.07% above North Carolina avg
View
▼
Rate4.12%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.13%▲ 1.07% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 7 times
3.70%4.20%4.70%Sep 14, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
24 Month Jumbo Choice Certificate 24
$75,000
4.20% ▲ 1.07% above North Carolina avg
View
▼
Rate4.12%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.13%▲ 1.07% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 7 times
3.70%4.20%4.70%Sep 14, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
24 Month regular cd
$500
4.20% ▲ 1.07% above North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.13%▲ 1.07% above avgNationally 2.88%
Details

Rate History
1 change since Sep 21, 2026 · 3.85% → 4.20% ▲ 0.35 pts · high 4.20% / low 3.85%
3.35%4.03%4.70%Sep 21, 2026: 3.85% APYOct 5, 2026: 4.20% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.20%▲ from 3.85%
  • Sep 21, 20263.85%first recorded
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
24 Month Share Certificate
$100,000
4.15% ▲ 1.02% above North Carolina avg
View
▼
Rate4.07%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.13%▲ 1.02% above avgNationally 2.88%
Details

Minimum Deposit: $500; Dividend: 3.93%; APY: 4.00%

Rate History
No change since Sep 18, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Sep 18, 2026: 4.15% APYSep 18, 2026Oct 13, 2026
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
Business 24 Month Share Certificate
$100,000
4.15% ▲ 1.02% above North Carolina avg
View
▼
Rate4.07%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.13%▲ 1.02% above avgNationally 2.88%
Details

Balance: $500 - $100,000

Rate History
1 change since Sep 22, 2026 · 1.90% → 4.15% ▲ 2.25 pts · high 4.15% / low 1.90%
0.00%3.20%6.40%Sep 22, 2026: 1.90% APYOct 10, 2026: 4.15% APYSep 22, 2026Oct 13, 2026
  • Oct 10, 20264.15%▲ from 1.90%
  • Sep 22, 20261.90%first recorded
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
19 - 24 Month Business Choice Certificate 24
$500
4.10% ▲ 0.97% above North Carolina avg
View
▼
Rate4.02%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.13%▲ 0.97% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 7 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
19 - 24 Month Choice Certificate 24
$250
4.10% ▲ 0.97% above North Carolina avg
View
▼
Rate4.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.13%▲ 0.97% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 7 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
24 Month IRA Choice Certificate 24
$250
4.10% ▲ 0.97% above North Carolina avg
View
▼
Rate4.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.13%▲ 0.97% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 7 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
24 Month Share Certificate Accounts
$500
4.07% ▲ 0.94% above North Carolina avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.13%▲ 0.94% above avgNationally 2.88%
Details

Rate History
No change since Sep 21, 2026 · 4.07% APY · checked 3 times
3.57%4.07%4.57%Sep 21, 2026: 4.07% APYSep 21, 2026Oct 13, 2026
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
IRA Certificate Accounts - 24 month
$500
4.07% ▲ 0.94% above North Carolina avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.13%▲ 0.94% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 13, 2026
Lions Share Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 17.46%
24-Month IRA CD
$500
4.00% ▲ 0.87% above North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.13%▲ 0.87% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
24 Month Share Certificate
$500
4.00% ▲ 0.87% above North Carolina avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.13%▲ 0.87% above avgNationally 2.88%
Details

Minimum Deposit: $100,000; Dividend: 4.07%; APY: 4.15%

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Centra Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
Business 24 Month Share Certificate
$500
4.00% ▲ 0.87% above North Carolina avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.13%▲ 0.87% above avgNationally 2.88%
Details

Balance: $500 - $100,000

Rate History
1 change since Sep 22, 2026 · 1.85% → 4.00% ▲ 2.15 pts · high 4.00% / low 1.85%
0.00%3.08%6.15%Sep 22, 2026: 1.85% APYOct 10, 2026: 4.00% APYSep 22, 2026Oct 13, 2026
  • Oct 10, 20264.00%▲ from 1.85%
  • Sep 22, 20261.85%first recorded
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.20%
24 Month Fixed Rate
$0
3.90% ▲ 0.77% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average3.13%▲ 0.77% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.75% → 3.90% ▲ 0.15 pts · high 3.90% / low 3.75%
3.25%3.83%4.40%Sep 18, 2026: 3.75% APYSep 27, 2026: 3.90% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20263.90%▲ from 3.75%
  • Sep 18, 20263.75%first recorded
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
IRA Share Certificate (24 Month)
$500
3.90% ▲ 0.77% above North Carolina avg
View
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.13%▲ 0.77% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 6 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
TCP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Share Term Certificate - 24 Month (Fixed Rate)
$250
3.90% ▲ 0.77% above North Carolina avg
View
▼
Rate3.85%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.13%▲ 0.77% above avgNationally 2.88%
Details

Rate History
No change since Oct 9, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 9, 2026: 3.90% APYOct 9, 2026Oct 13, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Regular, IRA & Business Jumbo Certificates - 2 years
$0
3.89% ▲ 0.76% above North Carolina avg
View
▼
Rate3.82%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.13%▲ 0.76% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.60% → 3.89% ▲ 0.29 pts · high 3.89% / low 3.60%
3.10%3.75%4.39%Sep 18, 2026: 3.60% APYOct 1, 2026: 3.89% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20263.89%▲ from 3.60%
  • Sep 18, 20263.60%first recorded
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
24 Month Standard Personal Share Certificates
$0
3.87% ▲ 0.74% above North Carolina avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average3.13%▲ 0.74% 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 Sep 12, 2026 · 3.66% → 3.87% ▲ 0.21 pts · high 3.87% / low 3.66%
3.16%3.77%4.37%Sep 12, 2026: 3.66% APYOct 12, 2026: 3.87% APYSep 12, 2026Oct 13, 2026
  • Oct 12, 20263.87%▲ from 3.66%
  • Sep 12, 20263.66%first recorded
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
Standard Personal Share Certificates - 24 Months
$10,000
3.87% ▲ 0.74% above North Carolina avg
View
▼
Rate3.80%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average3.13%▲ 0.74% 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 Sep 12, 2026 · 3.66% → 3.87% ▲ 0.21 pts · high 3.87% / low 3.66%
3.16%3.77%4.37%Sep 12, 2026: 3.66% APYOct 12, 2026: 3.87% APYSep 12, 2026Oct 13, 2026
  • Oct 12, 20263.87%▲ from 3.66%
  • Sep 12, 20263.66%first recorded
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
24 Month Certificate
$500
3.85% ▲ 0.72% above North Carolina avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.13%▲ 0.72% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 6 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
24 Month Term Certificate
$200,000
3.85% ▲ 0.72% above North Carolina avg
View
▼
Rate3.85%
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.13%▲ 0.72% above avgNationally 2.88%
Details

Rate History
No change since Oct 10, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 10, 2026: 3.85% APYOct 10, 2026Oct 13, 2026
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2 Year IRA Certificate Roth Executive
$100,000
3.80% ▲ 0.67% above North Carolina avg
View
▼
Rate3.73%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.13%▲ 0.67% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2 Year IRA Certificate Traditional Executive
$100,000
3.80% ▲ 0.67% above North Carolina avg
View
▼
Rate3.73%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.13%▲ 0.67% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2 Year Roth Executive
$0
3.80% ▲ 0.67% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.13%▲ 0.67% above avgNationally 2.88%
Details

Rate History
No change since Sep 21, 2026 · 3.80% APY · checked 5 times
3.30%3.80%4.30%Sep 21, 2026: 3.80% APYSep 21, 2026Oct 13, 2026
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
24 Month Term Certificate
$100,000
3.80% ▲ 0.67% above North Carolina avg
View
▼
Rate3.80%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.13%▲ 0.67% above avgNationally 2.88%
Details

Rate History
No change since Oct 10, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 10, 2026: 3.80% APYOct 10, 2026Oct 13, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Regular, IRA & Business Junior Jumbo Certificates - 2 years
$0
3.78% ▲ 0.65% above North Carolina avg
View
▼
Rate3.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.13%▲ 0.65% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.49% → 3.78% ▲ 0.29 pts · high 3.78% / low 3.49%
2.99%3.64%4.28%Sep 18, 2026: 3.49% APYOct 1, 2026: 3.78% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20263.78%▲ from 3.49%
  • Sep 18, 20263.49%first recorded
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
Standard Personal Share Certificates - 24 Months
$0
3.76% ▲ 0.63% above North Carolina avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average3.13%▲ 0.63% above avgNationally 2.88%
Details

Balance: $500 - $9,999.99

Rate History
1 change since Sep 12, 2026 · 3.66% → 3.76% ▲ 0.10 pts · high 3.76% / low 3.66%
3.16%3.71%4.26%Sep 12, 2026: 3.66% APYOct 12, 2026: 3.76% APYSep 12, 2026Oct 13, 2026
  • Oct 12, 20263.76%▲ from 3.66%
  • Sep 12, 20263.66%first recorded
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
Traditional IRA Certificates - 24 Months
$0
3.76% ▲ 0.63% above North Carolina avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average3.13%▲ 0.63% above avgNationally 2.88%
Details

Balance: $500.00 - $9,999.99

Rate History
1 change since Sep 12, 2026 · 3.66% → 3.76% ▲ 0.10 pts · high 3.76% / low 3.66%
3.16%3.71%4.26%Sep 12, 2026: 3.66% APYOct 12, 2026: 3.76% APYSep 12, 2026Oct 13, 2026
  • Oct 12, 20263.76%▲ from 3.66%
  • Sep 12, 20263.66%first recorded
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
24 Month Share Certificate
$1,000
3.75% ▲ 0.62% above North Carolina avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average3.13%▲ 0.62% above avgNationally 2.88%
Details

Maximum Balance to Earn: $250,000.00; Compounds: Monthly

Rate History
No change since Sep 12, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 12, 2026: 3.75% APYSep 12, 2026Oct 13, 2026
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
IRA Certificate - 24 Months (Reg/Roth/Educ)
$100,000
3.75% ▲ 0.62% above North Carolina avg
View
▼
Rate3.69%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.13%▲ 0.62% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 2.85% → 3.75% ▲ 0.90 pts · high 3.75% / low 2.85%
1.95%3.30%4.65%Sep 18, 2026: 2.85% APYSep 25, 2026: 3.75% APYSep 18, 2026Oct 13, 2026
  • Sep 25, 20263.75%▲ from 2.85%
  • Sep 18, 20262.85%first recorded
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
Certificate - 24 Months
$100,000
3.70% ▲ 0.57% above North Carolina avg
View
▼
Rate3.64%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.13%▲ 0.57% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 2.80% → 3.70% ▲ 0.90 pts · high 3.70% / low 2.80%
1.90%3.25%4.60%Sep 18, 2026: 2.80% APYSep 25, 2026: 3.70% APYSep 18, 2026Oct 13, 2026
  • Sep 25, 20263.70%▲ from 2.80%
  • Sep 18, 20262.80%first recorded
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
IRA Certificate - 24 Months (Reg/Roth/Educ)
$1,000
3.70% ▲ 0.57% above North Carolina avg
View
▼
Rate3.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.13%▲ 0.57% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 2.80% → 3.70% ▲ 0.90 pts · high 3.70% / low 2.80%
1.90%3.25%4.60%Sep 18, 2026: 2.80% APYSep 25, 2026: 3.70% APYSep 18, 2026Oct 13, 2026
  • Sep 25, 20263.70%▲ from 2.80%
  • Sep 18, 20262.80%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2 Year IRA Certificate Roth Premier
$10,000
3.70% ▲ 0.57% above North Carolina avg
View
▼
Rate3.63%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.13%▲ 0.57% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 7 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
2 Year IRA Certificate Traditional Premier
$10,000
3.70% ▲ 0.57% above North Carolina avg
View
▼
Rate3.63%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.13%▲ 0.57% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 7 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
Welcome Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
24 Month Certificate
$1,000
3.70% ▲ 0.57% above North Carolina avg
View
▼
Rate3.70%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.13%▲ 0.57% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 7 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
Welcome Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
IRA Share Certificate - 24 Months
$500
3.70% ▲ 0.57% above North Carolina avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.13%▲ 0.57% above avgNationally 2.88%
Details

Rate History
No change since Oct 9, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 9, 2026: 3.70% APYOct 9, 2026Oct 13, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Regular, IRA & Business Certificates - 2 years
$0
3.68% ▲ 0.55% above North Carolina avg
View
▼
Rate3.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average3.13%▲ 0.55% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.39% → 3.68% ▲ 0.29 pts · high 3.68% / low 3.39%
2.89%3.54%4.18%Sep 18, 2026: 3.39% APYOct 1, 2026: 3.68% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20263.68%▲ from 3.39%
  • Sep 18, 20263.39%first recorded
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
24 Month Certificate
$2,000
3.66% ▲ 0.53% above North Carolina avg
View
▼
Rate3.60%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.13%▲ 0.53% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.51% → 3.66% ▲ 0.15 pts · high 3.66% / low 3.51%
3.01%3.59%4.16%Sep 14, 2026: 3.51% APYOct 9, 2026: 3.66% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.66%▲ from 3.51%
  • Sep 14, 20263.51%first recorded
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
Certificate - 24 Months
$1,000
3.65% ▲ 0.52% above North Carolina avg
View
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.13%▲ 0.52% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 2.75% → 3.65% ▲ 0.90 pts · high 3.65% / low 2.75%
1.85%3.20%4.55%Sep 18, 2026: 2.75% APYSep 25, 2026: 3.65% APYSep 18, 2026Oct 13, 2026
  • Sep 25, 20263.65%▲ from 2.75%
  • Sep 18, 20262.75%first recorded
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
2 Year IRA Certificate
$500
3.65% ▲ 0.52% above North Carolina avg
View
▼
Rate3.59%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average3.13%▲ 0.52% above avgNationally 2.88%
Details

Published APY range: 3.65% - 3.85%; Published rate range: 3.59% - 3.78%. Balance: $500.00 - $250,000.00

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026

Sandyfield 36 Month CD Rates

North Carolina 36 Month CD Average2.92% APYNational 2.81%▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
36 Month elite jumbo cd
$250,000
4.50% ▲ 1.58% above North Carolina avg
View
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.92%▲ 1.58% 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%
3.65%4.33%5.00%Sep 21, 2026: 4.15% APYOct 5, 2026: 4.50% APYSep 21, 2026Oct 13, 2026
  • 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% ▲ 1.43% above North Carolina avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.92%▲ 1.43% 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%
3.50%4.18%4.85%Sep 21, 2026: 4.00% APYOct 5, 2026: 4.35% APYSep 21, 2026Oct 13, 2026
  • 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%
IRA Certificate 25-36 month term
$500
4.34% ▲ 1.42% above North Carolina avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.92%▲ 1.42% above avgNationally 2.81%
Details

IRA Certificate2

Rate History
No change since Oct 5, 2026 · 4.34% APY · checked 2 times
3.84%4.34%4.84%Oct 5, 2026: 4.34% APYOct 5, 2026Oct 13, 2026
Duke University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
Share Certificate 25-36 month term
$500
4.34% ▲ 1.42% above North Carolina avg
View
▼
Rate4.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.92%▲ 1.42% above avgNationally 2.81%
Details

Share Certificate1

Rate History
No change since Oct 5, 2026 · 4.34% APY · checked 2 times
3.84%4.34%4.84%Oct 5, 2026: 4.34% APYOct 5, 2026Oct 13, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
36 Month regular cd
$500
4.25% ▲ 1.33% above North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.92%▲ 1.33% 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%
3.40%4.08%4.75%Sep 21, 2026: 3.90% APYOct 5, 2026: 4.25% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.25%▲ from 3.90%
  • Sep 21, 20263.90%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Regular, IRA & Business Jumbo Certificates - 3 years
$0
4.24% ▲ 1.32% above North Carolina avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.92%▲ 1.32% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.91% → 4.24% ▲ 0.33 pts · high 4.24% / low 3.91%
3.41%4.08%4.74%Sep 18, 2026: 3.91% APYOct 1, 2026: 4.24% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20264.24%▲ from 3.91%
  • Sep 18, 20263.91%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$100,000
4.15% ▲ 1.23% above North Carolina avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.92%▲ 1.23% above avgNationally 2.81%
Details

Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Sep 30, 2026: 4.15% APYSep 30, 2026Oct 13, 2026
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
3 Years Add-On Certificate
$0
4.15% ▲ 1.23% above North Carolina avg
View
▼
Rate4.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.92%▲ 1.23% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 7 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Regular, IRA & Business Junior Jumbo Certificates - 3 years
$0
4.14% ▲ 1.22% above North Carolina avg
View
▼
Rate4.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.92%▲ 1.22% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.80% → 4.14% ▲ 0.34 pts · high 4.14% / low 3.80%
3.30%3.97%4.64%Sep 18, 2026: 3.80% APYOct 1, 2026: 4.14% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20264.14%▲ from 3.80%
  • Sep 18, 20263.80%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$1,000
4.10% ▲ 1.18% above North Carolina avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.92%▲ 1.18% above avgNationally 2.81%
Details

Balance: $1,000 - $19,999.99; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 30, 2026: 4.10% APYSep 30, 2026Oct 13, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Regular, IRA & Business Certificates - 3 years
$0
4.03% ▲ 1.11% above North Carolina avg
View
▼
Rate3.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.92%▲ 1.11% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.70% → 4.03% ▲ 0.33 pts · high 4.03% / low 3.70%
3.20%3.87%4.53%Sep 18, 2026: 3.70% APYOct 1, 2026: 4.03% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20264.03%▲ from 3.70%
  • Sep 18, 20263.70%first recorded
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.13%
36 Month Share Term Certificate
$250
4.00% ▲ 1.08% above North Carolina avg
View
▼
Rate4.00%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.92%▲ 1.08% above avgNationally 2.81%
Details

Rate History
1 change since Sep 22, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 22, 2026: 3.75% APYOct 9, 2026: 4.00% APYSep 22, 2026Oct 13, 2026
  • Oct 9, 20264.00%▲ from 3.75%
  • Sep 22, 20263.75%first recorded
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
36 Month Certificate
$500
4.00% ▲ 1.08% above North Carolina avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.92%▲ 1.08% above avgNationally 2.81%
Details

HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYOct 1, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 1, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
36 Month IRA Certificate
$250
4.00% ▲ 1.08% above North Carolina avg
View
▼
Rate3.93%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.92%▲ 1.08% above avgNationally 2.81%
Details

Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 6, 2026: 4.00% APYOct 6, 2026Oct 13, 2026
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
36-Month Certificate
$250
4.00% ▲ 1.08% above North Carolina avg
View
▼
Rate3.93%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.92%▲ 1.08% 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%
3.30%3.90%4.50%Sep 14, 2026: 3.80% APYOct 1, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 1, 20264.00%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
36 Month Business Jumbo Choice Certificate 36
$75,000
3.95% ▲ 1.03% above North Carolina avg
View
▼
Rate3.88%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.92%▲ 1.03% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 7 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
36 Month Jumbo Choice Certificate 36
$75,000
3.95% ▲ 1.03% above North Carolina avg
View
▼
Rate3.88%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.92%▲ 1.03% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 7 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
36 Month Certificate
$500
3.91% ▲ 0.99% above North Carolina avg
View
▼
Rate3.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.92%▲ 0.99% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.91% APY · checked 6 times
3.41%3.91%4.41%Sep 14, 2026: 3.91% APYSep 14, 2026Oct 13, 2026
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
36 Month Term Certificate
$200,000
3.90% ▲ 0.98% above North Carolina avg
View
▼
Rate3.90%
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.92%▲ 0.98% above avgNationally 2.81%
Details

Rate History
No change since Oct 10, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 10, 2026: 3.90% APYOct 10, 2026Oct 13, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
25 - 36 Month Business Choice Certificate 36
$500
3.85% ▲ 0.93% above North Carolina avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.92%▲ 0.93% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
25 - 36 Month Choice Certificate 36
$250
3.85% ▲ 0.93% above North Carolina avg
View
▼
Rate3.78%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.92%▲ 0.93% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
36 Month IRA Choice Certificate 36
$250
3.85% ▲ 0.93% above North Carolina avg
View
▼
Rate3.78%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.92%▲ 0.93% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.85% APY · checked 7 times
3.35%3.85%4.35%Sep 14, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
36 Month Term Certificate
$100,000
3.85% ▲ 0.93% above North Carolina avg
View
▼
Rate3.85%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.92%▲ 0.93% above avgNationally 2.81%
Details

Rate History
No change since Oct 10, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 10, 2026: 3.85% APYOct 10, 2026Oct 13, 2026
Lumbee Guaranty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
36 Month Fixed Rate IRA
$0
3.82% ▲ 0.90% above North Carolina avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
North Carolina Average2.92%▲ 0.90% above avgNationally 2.81%
Details

Rate History
No change since Sep 11, 2026 · 3.82% APY · checked 4 times
3.32%3.82%4.32%Sep 11, 2026: 3.82% APYSep 11, 2026Oct 13, 2026
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
36 Month Share Certificate Accounts
$500
3.82% ▲ 0.90% above North Carolina avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.92%▲ 0.90% above avgNationally 2.81%
Details

Rate History
No change since Sep 21, 2026 · 3.82% APY · checked 3 times
3.32%3.82%4.32%Sep 21, 2026: 3.82% APYSep 21, 2026Oct 13, 2026
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
IRA Certificate Accounts - 36 month
$500
3.82% ▲ 0.90% above North Carolina avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.92%▲ 0.90% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.82% APY · checked 2 times
3.32%3.82%4.32%Sep 14, 2026: 3.82% APYSep 14, 2026Oct 13, 2026
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
IRA Certificate - 36 Months (Reg/Roth/Educ)
$100,000
3.80% ▲ 0.88% above North Carolina avg
View
▼
Rate3.73%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.92%▲ 0.88% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.10% → 3.80% ▲ 0.70 pts · high 3.80% / low 3.10%
2.40%3.45%4.50%Sep 18, 2026: 3.10% APYSep 25, 2026: 3.80% APYSep 18, 2026Oct 13, 2026
  • Sep 25, 20263.80%▲ from 3.10%
  • Sep 18, 20263.10%first recorded
Welcome Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
36 Month Certificate
$1,000
3.80% ▲ 0.88% above North Carolina avg
View
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.92%▲ 0.88% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 7 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
Welcome Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
IRA Share Certificate - 36 Months
$500
3.80% ▲ 0.88% above North Carolina avg
View
▼
Rate3.80%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.92%▲ 0.88% above avgNationally 2.81%
Details

Rate History
No change since Oct 9, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 9, 2026: 3.80% APYOct 9, 2026Oct 13, 2026
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.75%
IRA Share Certificate (36 Month)
$500
3.80% ▲ 0.88% above North Carolina avg
View
▼
Rate3.73%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.92%▲ 0.88% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 6 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
36 Month Share Certificate
$1,000
3.75% ▲ 0.83% above North Carolina avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average2.92%▲ 0.83% above avgNationally 2.81%
Details

Maximum Balance to Earn: $250,000.00; Compounds: Monthly

Rate History
No change since Sep 12, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 12, 2026: 3.75% APYSep 12, 2026Oct 13, 2026
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
Certificate - 36 Months
$100,000
3.75% ▲ 0.83% above North Carolina avg
View
▼
Rate3.69%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.92%▲ 0.83% above avgNationally 2.81%
Details

Rate History
1 change since Sep 21, 2026 · 3.05% → 3.75% ▲ 0.70 pts · high 3.75% / low 3.05%
2.35%3.40%4.45%Sep 21, 2026: 3.05% APYSep 25, 2026: 3.75% APYSep 21, 2026Oct 13, 2026
  • Sep 25, 20263.75%▲ from 3.05%
  • Sep 21, 20263.05%first recorded
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
IRA Certificate - 36 Months (Reg/Roth/Educ)
$1,000
3.75% ▲ 0.83% above North Carolina avg
View
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.92%▲ 0.83% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 3.05% → 3.75% ▲ 0.70 pts · high 3.75% / low 3.05%
2.35%3.40%4.45%Sep 18, 2026: 3.05% APYSep 25, 2026: 3.75% APYSep 18, 2026Oct 13, 2026
  • Sep 25, 20263.75%▲ from 3.05%
  • Sep 18, 20263.05%first recorded
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
Certificate - 36 Months
$1,000
3.70% ▲ 0.78% above North Carolina avg
View
▼
Rate3.64%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.92%▲ 0.78% above avgNationally 2.81%
Details

Rate History
1 change since Sep 21, 2026 · 3.00% → 3.70% ▲ 0.70 pts · high 3.70% / low 3.00%
2.30%3.35%4.40%Sep 21, 2026: 3.00% APYSep 25, 2026: 3.70% APYSep 21, 2026Oct 13, 2026
  • Sep 25, 20263.70%▲ from 3.00%
  • Sep 21, 20263.00%first recorded
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
36 Month Share Term Certificate
$500
3.70% ▲ 0.78% above North Carolina avg
View
▼
Rate3.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.92%▲ 0.78% above avgNationally 2.81%
Details

Rate History
No change since Oct 10, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 10, 2026: 3.70% APYOct 10, 2026Oct 13, 2026
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
36 Month Certificate
$2,000
3.66% ▲ 0.74% above North Carolina avg
View
▼
Rate3.60%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.92%▲ 0.74% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.51% → 3.66% ▲ 0.15 pts · high 3.66% / low 3.51%
3.01%3.59%4.16%Sep 14, 2026: 3.51% APYOct 9, 2026: 3.66% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.66%▲ from 3.51%
  • Sep 14, 20263.51%first recorded
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
36 Month IRA Certificate
$0
3.65% ▲ 0.73% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.92%▲ 0.73% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Sep 18, 2026: 3.65% APYSep 18, 2026Oct 13, 2026
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
36 Month Share Certificate
$0
3.65% ▲ 0.73% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.92%▲ 0.73% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
36 Month Young Certificates
$0
3.65% ▲ 0.73% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.92%▲ 0.73% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Sep 18, 2026: 3.65% APYSep 18, 2026Oct 13, 2026
TCP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Share Term Certificate - 36 Month (Fixed Rate)
$250
3.64% ▲ 0.72% above North Carolina avg
View
▼
Rate3.60%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.92%▲ 0.72% above avgNationally 2.81%
Details

Rate History
No change since Oct 9, 2026 · 3.64% APY
3.14%3.64%4.14%Oct 9, 2026: 3.64% APYOct 9, 2026Oct 13, 2026
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
36 Month Certificate or IRA
$0
3.60% ▲ 0.68% above North Carolina avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.92%▲ 0.68% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
CAROLINA
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
3 Year CD
$50,000
3.60% ▲ 0.68% above North Carolina avg
View
▼
Rate3.54%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.92%▲ 0.68% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 14, 2026 · 3.20% → 3.60% ▲ 0.40 pts · high 3.60% / low 3.20%
2.70%3.40%4.10%Sep 14, 2026: 3.20% APYSep 18, 2026: 3.30% APYOct 6, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
  • Oct 6, 20263.60%▲ from 3.30%
  • Sep 18, 20263.30%▲ from 3.20%
  • Sep 14, 20263.20%first recorded
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
36 Month Standard Personal Share Certificates
$0
3.56% ▲ 0.64% above North Carolina avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average2.92%▲ 0.64% above avgNationally 2.81%
Details

Opening deposit of $10,000.00 and above; Early withdrawal penalties may apply and reduce earnings.

Rate History
1 change since Sep 12, 2026 · 3.45% → 3.56% ▲ 0.11 pts · high 3.56% / low 3.45%
2.95%3.51%4.06%Sep 12, 2026: 3.45% APYOct 12, 2026: 3.56% APYSep 12, 2026Oct 13, 2026
  • Oct 12, 20263.56%▲ from 3.45%
  • Sep 12, 20263.45%first recorded
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
Standard Personal Share Certificates - 36 Months
$10,000
3.56% ▲ 0.64% above North Carolina avg
View
▼
Rate3.50%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average2.92%▲ 0.64% above avgNationally 2.81%
Details

Opening deposit of $10,000.00 and above; Early withdrawal penalties may apply and reduce earnings.

Rate History
1 change since Sep 12, 2026 · 3.45% → 3.56% ▲ 0.11 pts · high 3.56% / low 3.45%
2.95%3.51%4.06%Sep 12, 2026: 3.45% APYOct 12, 2026: 3.56% APYSep 12, 2026Oct 13, 2026
  • Oct 12, 20263.56%▲ from 3.45%
  • Sep 12, 20263.45%first recorded
Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.95%
Share Certificate 36 Months
$500
3.56% ▲ 0.64% above North Carolina avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.92%▲ 0.64% above avgNationally 2.81%
Details

Rate History
No change since Sep 22, 2026 · 3.56% APY · checked 3 times
3.06%3.56%4.06%Sep 22, 2026: 3.56% APYSep 22, 2026Oct 13, 2026
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
3 Year IRA Certificate Roth Executive
$100,000
3.55% ▲ 0.63% above North Carolina avg
View
▼
Rate3.48%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.92%▲ 0.63% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
3 Year IRA Certificate Traditional Executive
$100,000
3.55% ▲ 0.63% above North Carolina avg
View
▼
Rate3.48%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.92%▲ 0.63% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
36 Month IRA Certificate
$0
3.50% ▲ 0.58% above North Carolina avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
North Carolina Average2.92%▲ 0.58% above avgNationally 2.81%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
36 Month Share Certificates
$0
3.50% ▲ 0.58% above North Carolina avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
North Carolina Average2.92%▲ 0.58% above avgNationally 2.81%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 13, 2026
CAROLINA
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
3 Year CD
$1,000
3.50% ▲ 0.58% above North Carolina avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.92%▲ 0.58% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.20% → 3.50% ▲ 0.30 pts · high 3.50% / low 3.20%
2.70%3.35%4.00%Sep 14, 2026: 3.20% APYOct 6, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
  • Oct 6, 20263.50%▲ from 3.20%
  • Sep 14, 20263.20%first recorded

Sandyfield 48 Month CD Rates

North Carolina 48 Month CD Average2.73% APYNational 2.80%▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
48 Month elite jumbo cd
$250,000
4.75% ▲ 2.02% above North Carolina avg
View
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.73%▲ 2.02% above avgNationally 2.80%
Details

Rate History
1 change since Sep 21, 2026 · 4.25% → 4.75% ▲ 0.50 pts · high 4.75% / low 4.25%
3.75%4.50%5.25%Sep 21, 2026: 4.25% APYOct 5, 2026: 4.75% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.75%▲ from 4.25%
  • Sep 21, 20264.25%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Regular, IRA & Business Jumbo Certificates - 4 years
$0
4.47% ▲ 1.74% above North Carolina avg
View
▼
Rate4.38%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.73%▲ 1.74% above avgNationally 2.80%
Details

Rate History
1 change since Sep 18, 2026 · 4.12% → 4.47% ▲ 0.35 pts · high 4.47% / low 4.12%
3.62%4.30%4.97%Sep 18, 2026: 4.12% APYOct 1, 2026: 4.47% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20264.47%▲ from 4.12%
  • Sep 18, 20264.12%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Regular, IRA & Business Junior Jumbo Certificates - 4 years
$0
4.36% ▲ 1.63% above North Carolina avg
View
▼
Rate4.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.73%▲ 1.63% above avgNationally 2.80%
Details

Rate History
1 change since Sep 18, 2026 · 4.01% → 4.36% ▲ 0.35 pts · high 4.36% / low 4.01%
3.51%4.19%4.86%Sep 18, 2026: 4.01% APYOct 1, 2026: 4.36% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20264.36%▲ from 4.01%
  • Sep 18, 20264.01%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Regular, IRA & Business Certificates - 4 years
$0
4.26% ▲ 1.53% above North Carolina avg
View
▼
Rate4.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.73%▲ 1.53% above avgNationally 2.80%
Details

Rate History
1 change since Sep 18, 2026 · 3.91% → 4.26% ▲ 0.35 pts · high 4.26% / low 3.91%
3.41%4.09%4.76%Sep 18, 2026: 3.91% APYOct 1, 2026: 4.26% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20264.26%▲ from 3.91%
  • Sep 18, 20263.91%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
48 Month regular cd
$500
4.20% ▲ 1.47% above North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.73%▲ 1.47% above avgNationally 2.80%
Details

Rate History
1 change since Sep 21, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
3.50%4.10%4.70%Sep 21, 2026: 4.00% APYOct 5, 2026: 4.20% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.20%▲ from 4.00%
  • Sep 21, 20264.00%first recorded
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
48 Month IRA Certificate
$250
4.10% ▲ 1.37% above North Carolina avg
View
▼
Rate4.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.73%▲ 1.37% above avgNationally 2.80%
Details

Rate History
No change since Oct 6, 2026 · 4.10% APY · checked 2 times
3.60%4.10%4.60%Oct 6, 2026: 4.10% APYOct 6, 2026Oct 13, 2026
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
48-Month Certificate
$250
4.10% ▲ 1.37% above North Carolina avg
View
▼
Rate4.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.73%▲ 1.37% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.10% ▲ 0.20 pts · high 4.10% / low 3.90%
3.40%4.00%4.60%Sep 14, 2026: 3.90% APYOct 1, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Oct 1, 20264.10%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
48 Month Business Jumbo Choice Certificate 48
$75,000
4.00% ▲ 1.27% above North Carolina avg
View
▼
Rate3.92%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.73%▲ 1.27% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
48 Month Jumbo Choice Certificate 48
$75,000
4.00% ▲ 1.27% above North Carolina avg
View
▼
Rate3.92%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.73%▲ 1.27% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.13%
48 Month Share Term Certificate
$250
4.00% ▲ 1.27% above North Carolina avg
View
▼
Rate4.00%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.73%▲ 1.27% above avgNationally 2.80%
Details

Rate History
No change since Sep 22, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 22, 2026: 4.00% APYSep 22, 2026Oct 13, 2026
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
48 Month Certificate
$500
3.96% ▲ 1.23% above North Carolina avg
View
▼
Rate3.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.73%▲ 1.23% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.96% APY · checked 6 times
3.46%3.96%4.46%Sep 14, 2026: 3.96% APYSep 14, 2026Oct 13, 2026
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
48 Month Term Certificate
$200,000
3.93% ▲ 1.20% above North Carolina avg
View
▼
Rate3.93%
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.73%▲ 1.20% above avgNationally 2.80%
Details

Rate History
No change since Oct 10, 2026 · 3.93% APY
3.43%3.93%4.43%Oct 10, 2026: 3.93% APYOct 10, 2026Oct 13, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
37 - 48 Month Business Choice Certificate 48
$500
3.90% ▲ 1.17% above North Carolina avg
View
▼
Rate3.83%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.73%▲ 1.17% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
37 - 48 Month Choice Certificate 48
$250
3.90% ▲ 1.17% above North Carolina avg
View
▼
Rate3.83%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.73%▲ 1.17% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
48 Month IRA Choice Certificate 48
$250
3.90% ▲ 1.17% above North Carolina avg
View
▼
Rate3.83%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.73%▲ 1.17% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
48 Month Term Certificate
$100,000
3.88% ▲ 1.15% above North Carolina avg
View
▼
Rate3.88%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.73%▲ 1.15% above avgNationally 2.80%
Details

Rate History
No change since Oct 10, 2026 · 3.88% APY
3.38%3.88%4.38%Oct 10, 2026: 3.88% APYOct 10, 2026Oct 13, 2026
TCP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Share Term Certificate - 48 Month (Fixed Rate)
$250
3.85% ▲ 1.12% above North Carolina avg
View
▼
Rate3.80%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.73%▲ 1.12% above avgNationally 2.80%
Details

Rate History
No change since Oct 9, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 9, 2026: 3.85% APYOct 9, 2026Oct 13, 2026
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
48 Month Share Certificate
$1,000
3.75% ▲ 1.02% above North Carolina avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average2.73%▲ 1.02% above avgNationally 2.80%
Details

Maximum Balance to Earn: $250,000.00; Compounds: Monthly

Rate History
No change since Sep 12, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 12, 2026: 3.75% APYSep 12, 2026Oct 13, 2026
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
48 Month IRA Certificate
$0
3.75% ▲ 1.02% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.73%▲ 1.02% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 13, 2026
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
48 Month Share Certificate
$0
3.75% ▲ 1.02% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.73%▲ 1.02% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
48 Month Young Certificates
$0
3.75% ▲ 1.02% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.73%▲ 1.02% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 13, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
48 Month Certificate
$500
3.75% ▲ 1.02% above North Carolina avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.73%▲ 1.02% above avgNationally 2.80%
Details

HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 14, 2026: 3.50% APYOct 1, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 1, 20263.75%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
48 Month Share Term Certificate
$500
3.73% ▲ 1.00% above North Carolina avg
View
▼
Rate3.73%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.73%▲ 1.00% above avgNationally 2.80%
Details

Rate History
No change since Oct 10, 2026 · 3.73% APY
3.23%3.73%4.23%Oct 10, 2026: 3.73% APYOct 10, 2026Oct 13, 2026
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
48 Month Share Certificate Accounts
$500
3.51% ▲ 0.78% above North Carolina avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.73%▲ 0.78% above avgNationally 2.80%
Details

Rate History
No change since Sep 21, 2026 · 3.51% APY · checked 3 times
3.01%3.51%4.01%Sep 21, 2026: 3.51% APYSep 21, 2026Oct 13, 2026
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.27%
IRA Certificate Accounts - 48 month
$500
3.51% ▲ 0.78% above North Carolina avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.73%▲ 0.78% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.51% APY · checked 2 times
3.01%3.51%4.01%Sep 14, 2026: 3.51% APYSep 14, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
48 Month IRA Certificate
$0
3.50% ▲ 0.77% above North Carolina avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
North Carolina Average2.73%▲ 0.77% above avgNationally 2.80%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
48 Month Share Certificates
$0
3.50% ▲ 0.77% above North Carolina avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
North Carolina Average2.73%▲ 0.77% above avgNationally 2.80%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 13, 2026
American Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
48 Month IRA and Share Certificates
$500
3.50% ▲ 0.77% above North Carolina avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.73%▲ 0.77% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Welcome Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
48 Month Certificate
$1,000
3.50% ▲ 0.77% above North Carolina avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.73%▲ 0.77% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Welcome Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
IRA Share Certificate - 48 Months
$500
3.50% ▲ 0.77% above North Carolina avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.73%▲ 0.77% above avgNationally 2.80%
Details

Rate History
No change since Oct 9, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 9, 2026: 3.50% APYOct 9, 2026Oct 13, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
48 Month Certificate
$0
3.41% ▲ 0.68% above North Carolina avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average2.73%▲ 0.68% above avgNationally 2.80%
Details

Rate History
No change since Sep 24, 2026 · 3.41% APY · checked 5 times
2.91%3.41%3.91%Sep 24, 2026: 3.41% APYSep 24, 2026Oct 13, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
48 Month Term
$0
3.35% ▲ 0.62% above North Carolina avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average2.73%▲ 0.62% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 6 times
2.85%3.35%3.85%Sep 18, 2026: 3.35% APYSep 18, 2026Oct 13, 2026
RTP Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.20%
48 Month Certificate
$250
3.35% ▲ 0.62% above North Carolina avg
View
▼
Rate3.30%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.73%▲ 0.62% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 6 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 13, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
48 Month Term
$0
3.30% ▲ 0.57% above North Carolina avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average2.73%▲ 0.57% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 6 times
2.80%3.30%3.80%Sep 18, 2026: 3.30% APYSep 18, 2026Oct 13, 2026
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
48 Month Standard Personal Share Certificates
$0
3.30% ▲ 0.57% above North Carolina avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average2.73%▲ 0.57% above avgNationally 2.80%
Details

Opening deposit of $10,000.00 and above; Early withdrawal penalties may apply and reduce earnings.

Rate History
1 change since Sep 12, 2026 · 3.20% → 3.30% ▲ 0.10 pts · high 3.30% / low 3.20%
2.70%3.25%3.80%Sep 12, 2026: 3.20% APYOct 12, 2026: 3.30% APYSep 12, 2026Oct 13, 2026
  • Oct 12, 20263.30%▲ from 3.20%
  • Sep 12, 20263.20%first recorded
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
Standard Personal Share Certificates - 48 Months
$10,000
3.30% ▲ 0.57% above North Carolina avg
View
▼
Rate3.25%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average2.73%▲ 0.57% above avgNationally 2.80%
Details

Opening deposit of $10,000.00 and above; Early withdrawal penalties may apply and reduce earnings.

Rate History
1 change since Sep 12, 2026 · 3.20% → 3.30% ▲ 0.10 pts · high 3.30% / low 3.20%
2.70%3.25%3.80%Sep 12, 2026: 3.20% APYOct 12, 2026: 3.30% APYSep 12, 2026Oct 13, 2026
  • Oct 12, 20263.30%▲ from 3.20%
  • Sep 12, 20263.20%first recorded
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
4 Year IRA Certificate
$500
3.30% ▲ 0.57% above North Carolina avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.73%▲ 0.57% above avgNationally 2.80%
Details

Published APY range: 3.30% - 3.50%; Published rate range: 3.25% - 3.44%. Balance: $500.00 - $250,000.00

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 7 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
48 Month Certificate
$500
3.30% ▲ 0.57% above North Carolina avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.73%▲ 0.57% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 7 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 13, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
48 Month Term
$0
3.25% ▲ 0.52% above North Carolina avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average2.73%▲ 0.52% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 18, 2026: 3.25% APYSep 18, 2026Oct 13, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
4 Year Certificate
$0
3.20% ▲ 0.47% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average2.73%▲ 0.47% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 2.90% → 3.20% ▲ 0.30 pts · high 3.20% / low 2.90%
2.40%3.05%3.70%Sep 14, 2026: 2.90% APYSep 18, 2026: 3.20% APYSep 14, 2026Oct 13, 2026
  • Sep 18, 20263.20%▲ from 2.90%
  • Sep 14, 20262.90%first recorded
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
Standard Personal Share Certificates - 48 Months
$0
3.20% ▲ 0.47% above North Carolina avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average2.73%▲ 0.47% above avgNationally 2.80%
Details

Balance: $500 - $9,999.99

Rate History
No change since Sep 12, 2026 · 3.20% APY · checked 7 times
2.70%3.20%3.70%Sep 12, 2026: 3.20% APYSep 12, 2026Oct 13, 2026
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
Traditional IRA Certificates - 48 Months
$0
3.20% ▲ 0.47% above North Carolina avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average2.73%▲ 0.47% above avgNationally 2.80%
Details

Balance: $500.00 - $9,999.99

Rate History
No change since Sep 12, 2026 · 3.20% APY · checked 2 times
2.70%3.20%3.70%Sep 12, 2026: 3.20% APYSep 12, 2026Oct 13, 2026
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
4 Year Certificates
$500
3.20% ▲ 0.47% above North Carolina avg
View
▼
Rate3.15%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.73%▲ 0.47% above avgNationally 2.80%
Details

Published APY range: 3.20% - 3.40%; Published rate range: 3.15% - 3.34%. Balance: $500.00 - $250,000.00

Rate History
No change since Oct 5, 2026 · 3.20% APY · checked 2 times
2.70%3.20%3.70%Oct 5, 2026: 3.20% APYOct 5, 2026Oct 13, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
48 Month Term
$0
3.19% ▲ 0.46% above North Carolina avg
View
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average2.73%▲ 0.46% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 3.19% APY · checked 6 times
2.69%3.19%3.69%Sep 18, 2026: 3.19% APYSep 18, 2026Oct 13, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
4 Year IRA Certificate
$0
3.10% ▲ 0.37% above North Carolina avg
View
▼
Rate3.06%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average2.73%▲ 0.37% above avgNationally 2.80%
Details

Balance: $1,000 minimum balance to open

Rate History
No change since Oct 7, 2026 · 3.10% APY · checked 2 times
2.60%3.10%3.60%Oct 7, 2026: 3.10% APYOct 7, 2026Oct 13, 2026
Revity Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.13%
48 Month Jumbo & Jumbo IRA Certificates
$50,000
3.09% ▲ 0.36% above North Carolina avg
View
▼
Rate3.05%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.73%▲ 0.36% above avgNationally 2.80%
Details

Rate History
No change since Oct 5, 2026 · 3.09% APY · checked 2 times
2.59%3.09%3.59%Oct 5, 2026: 3.09% APYOct 5, 2026Oct 13, 2026
Revity Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.13%
48 Month Mini Jumbo & Mini Jumbo IRA Certificate
$10,000
3.09% ▲ 0.36% above North Carolina avg
View
▼
Rate3.05%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.73%▲ 0.36% above avgNationally 2.80%
Details

Rate History
No change since Oct 5, 2026 · 3.09% APY · checked 2 times
2.59%3.09%3.59%Oct 5, 2026: 3.09% APYOct 5, 2026Oct 13, 2026
Revity Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.13%
48 Month Regular & IRA Certificates
$500
3.09% ▲ 0.36% above North Carolina avg
View
▼
Rate3.05%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.73%▲ 0.36% above avgNationally 2.80%
Details

Rate History
No change since Oct 5, 2026 · 3.09% APY · checked 2 times
2.59%3.09%3.59%Oct 5, 2026: 3.09% APYOct 5, 2026Oct 13, 2026
First Carolina Peoples Credit Union
Institution Rating:
F2.0 ★Texas Ratio: 51.11%
48 Months IRA Certificate
$5,000
3.04% ▲ 0.31% above North Carolina avg
View
▼
Rate3.00%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.73%▲ 0.31% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 5 times
2.54%3.04%3.54%Sep 14, 2026: 3.04% APYSep 14, 2026Oct 13, 2026
First Carolina Peoples Credit Union
Institution Rating:
F2.0 ★Texas Ratio: 51.11%
48 Months Share Certificate
$5,000
3.04% ▲ 0.31% above North Carolina avg
View
▼
Rate3.00%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.73%▲ 0.31% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 5 times
2.54%3.04%3.54%Sep 14, 2026: 3.04% APYSep 14, 2026Oct 13, 2026

Sandyfield 60 Month CD Rates

North Carolina 60 Month CD Average2.97% APYNational 2.90%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Regular, IRA & Business Jumbo Certificates - 5 years
$0
4.87% ▲ 1.90% above North Carolina avg
View
▼
Rate4.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.97%▲ 1.90% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 4.49% → 4.87% ▲ 0.38 pts · high 4.87% / low 4.49%
3.99%4.68%5.37%Sep 18, 2026: 4.49% APYOct 1, 2026: 4.87% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20264.87%▲ from 4.49%
  • Sep 18, 20264.49%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Regular, IRA & Business Junior Jumbo Certificates - 5 years
$0
4.76% ▲ 1.79% above North Carolina avg
View
▼
Rate4.66%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.97%▲ 1.79% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 4.39% → 4.76% ▲ 0.37 pts · high 4.76% / low 4.39%
3.89%4.57%5.26%Sep 18, 2026: 4.39% APYOct 1, 2026: 4.76% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20264.76%▲ from 4.39%
  • Sep 18, 20264.39%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
60 Month elite jumbo cd
$250,000
4.75% ▲ 1.78% above North Carolina avg
View
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.97%▲ 1.78% above avgNationally 2.90%
Details

Rate History
1 change since Sep 21, 2026 · 4.25% → 4.75% ▲ 0.50 pts · high 4.75% / low 4.25%
3.75%4.50%5.25%Sep 21, 2026: 4.25% APYOct 5, 2026: 4.75% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.75%▲ from 4.25%
  • Sep 21, 20264.25%first recorded
Advancial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.30%
Regular, IRA & Business Certificates - 5 years
$0
4.66% ▲ 1.69% above North Carolina avg
View
▼
Rate4.56%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.97%▲ 1.69% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 4.28% → 4.66% ▲ 0.38 pts · high 4.66% / low 4.28%
3.78%4.47%5.16%Sep 18, 2026: 4.28% APYOct 1, 2026: 4.66% APYSep 18, 2026Oct 13, 2026
  • Oct 1, 20264.66%▲ from 4.28%
  • Sep 18, 20264.28%first recorded
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.56%
60 Month regular cd
$500
4.50% ▲ 1.53% above North Carolina avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.97%▲ 1.53% above avgNationally 2.90%
Details

Rate History
1 change since Sep 21, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 21, 2026: 4.00% APYOct 5, 2026: 4.50% APYSep 21, 2026Oct 13, 2026
  • Oct 5, 20264.50%▲ from 4.00%
  • Sep 21, 20264.00%first recorded
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
60 Month IRA Certificate
$250
4.50% ▲ 1.53% above North Carolina avg
View
▼
Rate4.41%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.97%▲ 1.53% above avgNationally 2.90%
Details

Rate History
No change since Oct 6, 2026 · 4.50% APY · checked 2 times
4.00%4.50%5.00%Oct 6, 2026: 4.50% APYOct 6, 2026Oct 13, 2026
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.34%
60-Month Certificate
$250
4.50% ▲ 1.53% above North Carolina avg
View
▼
Rate4.41%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.97%▲ 1.53% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.50% ▲ 0.35 pts · high 4.50% / low 4.15%
3.65%4.33%5.00%Sep 14, 2026: 4.15% APYOct 1, 2026: 4.50% APYSep 14, 2026Oct 13, 2026
  • Oct 1, 20264.50%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.20%
60 Month Fixed Rate
$0
4.11% ▲ 1.14% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average2.97%▲ 1.14% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 3.95% → 4.11% ▲ 0.16 pts · high 4.11% / low 3.95%
3.45%4.03%4.61%Sep 18, 2026: 3.95% APYSep 27, 2026: 4.11% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20264.11%▲ from 3.95%
  • Sep 18, 20263.95%first recorded
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
60 Month Business Jumbo Choice Certificate 48
$75,000
4.10% ▲ 1.13% above North Carolina avg
View
▼
Rate4.02%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.97%▲ 1.13% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 7 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
60 Month Jumbo Choice Certificate 60
$75,000
4.10% ▲ 1.13% above North Carolina avg
View
▼
Rate4.02%
Min Deposit$75,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.97%▲ 1.13% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 7 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
60 Month Certificate
$500
4.01% ▲ 1.04% above North Carolina avg
View
▼
Rate3.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.97%▲ 1.04% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.01% APY · checked 6 times
3.51%4.01%4.51%Sep 14, 2026: 4.01% APYSep 14, 2026Oct 13, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
49 - 60 Month Business Choice Certificate 60
$500
4.00% ▲ 1.03% above North Carolina avg
View
▼
Rate3.92%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.97%▲ 1.03% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
49 - 60 Month Choice Certificate 60
$250
4.00% ▲ 1.03% above North Carolina avg
View
▼
Rate3.92%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.97%▲ 1.03% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★Texas Ratio: 75.00%
60 Month IRA Choice Certificate 60
$250
4.00% ▲ 1.03% above North Carolina avg
View
▼
Rate3.92%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.97%▲ 1.03% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.13%
60 Month Share Term Certificate
$250
4.00% ▲ 1.03% above North Carolina avg
View
▼
Rate4.00%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.97%▲ 1.03% above avgNationally 2.90%
Details

Rate History
No change since Sep 22, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Sep 22, 2026: 4.00% APYSep 22, 2026Oct 13, 2026
TCP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.29%
Share Term Certificate - 60 Month (Fixed Rate)
$250
3.95% ▲ 0.98% above North Carolina avg
View
▼
Rate3.90%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.97%▲ 0.98% above avgNationally 2.90%
Details

Rate History
No change since Oct 9, 2026 · 3.95% APY
3.45%3.95%4.45%Oct 9, 2026: 3.95% APYOct 9, 2026Oct 13, 2026
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
60 Month Term Certificate
$200,000
3.95% ▲ 0.98% above North Carolina avg
View
▼
Rate3.95%
Min Deposit$200,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.97%▲ 0.98% above avgNationally 2.90%
Details

Rate History
No change since Oct 10, 2026 · 3.95% APY
3.45%3.95%4.45%Oct 10, 2026: 3.95% APYOct 10, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year ESA Long-Term Certificate
$100,000
3.90% ▲ 0.93% above North Carolina avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.97%▲ 0.93% above avgNationally 2.90%
Details

Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 30, 2026: 3.90% APYSep 30, 2026Oct 13, 2026
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
IRA Certificate - 60 Months (Reg/Roth/Educ)
$100,000
3.90% ▲ 0.93% above North Carolina avg
View
▼
Rate3.83%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.97%▲ 0.93% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 3.10% → 3.90% ▲ 0.80 pts · high 3.90% / low 3.10%
2.30%3.50%4.70%Sep 18, 2026: 3.10% APYSep 25, 2026: 3.90% APYSep 18, 2026Oct 13, 2026
  • Sep 25, 20263.90%▲ from 3.10%
  • Sep 18, 20263.10%first recorded
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
60 Month IRA Certificate
$0
3.90% ▲ 0.93% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.97%▲ 0.93% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Sep 18, 2026: 3.90% APYSep 18, 2026Oct 13, 2026
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
60 Month Share Certificate
$0
3.90% ▲ 0.93% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.97%▲ 0.93% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 5 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
60 Month Young Certificates
$0
3.90% ▲ 0.93% above North Carolina avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.97%▲ 0.93% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 4 times
3.40%3.90%4.40%Sep 18, 2026: 3.90% APYSep 18, 2026Oct 13, 2026
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
60 Month Term Certificate
$100,000
3.90% ▲ 0.93% above North Carolina avg
View
▼
Rate3.90%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.97%▲ 0.93% above avgNationally 2.90%
Details

Rate History
No change since Oct 10, 2026 · 3.90% APY
3.40%3.90%4.40%Oct 10, 2026: 3.90% APYOct 10, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year ESA Long-Term Certificate
$1,000
3.85% ▲ 0.88% above North Carolina avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.97%▲ 0.88% above avgNationally 2.90%
Details

Balance: $1,000 - $19,999.99; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Sep 30, 2026: 3.85% APYSep 30, 2026Oct 13, 2026
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
Certificate - 60 Months
$100,000
3.85% ▲ 0.88% above North Carolina avg
View
▼
Rate3.78%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.97%▲ 0.88% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 3.05% → 3.85% ▲ 0.80 pts · high 3.85% / low 3.05%
2.25%3.45%4.65%Sep 18, 2026: 3.05% APYSep 25, 2026: 3.85% APYSep 18, 2026Oct 13, 2026
  • Sep 25, 20263.85%▲ from 3.05%
  • Sep 18, 20263.05%first recorded
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
IRA Certificate - 60 Months (Reg/Roth/Educ)
$1,000
3.85% ▲ 0.88% above North Carolina avg
View
▼
Rate3.78%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.97%▲ 0.88% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 3.05% → 3.85% ▲ 0.80 pts · high 3.85% / low 3.05%
2.25%3.45%4.65%Sep 18, 2026: 3.05% APYSep 25, 2026: 3.85% APYSep 18, 2026Oct 13, 2026
  • Sep 25, 20263.85%▲ from 3.05%
  • Sep 18, 20263.05%first recorded
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.45%
Certificate - 60 Months
$1,000
3.80% ▲ 0.83% above North Carolina avg
View
▼
Rate3.73%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.97%▲ 0.83% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 3.00% → 3.80% ▲ 0.80 pts · high 3.80% / low 3.00%
2.20%3.40%4.60%Sep 18, 2026: 3.00% APYSep 25, 2026: 3.80% APYSep 18, 2026Oct 13, 2026
  • Sep 25, 20263.80%▲ from 3.00%
  • Sep 18, 20263.00%first recorded
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.35%
60 Month Share Certificate
$1,000
3.75% ▲ 0.78% above North Carolina avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
North Carolina Average2.97%▲ 0.78% above avgNationally 2.90%
Details

Maximum Balance to Earn: $250,000.00; Compounds: Monthly

Rate History
No change since Sep 12, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 12, 2026: 3.75% APYSep 12, 2026Oct 13, 2026
American Partners Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
60 Month IRA and Share Certificates
$500
3.75% ▲ 0.78% above North Carolina avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.97%▲ 0.78% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Latino Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.08%
60 Month Share Term Certificate
$500
3.75% ▲ 0.78% above North Carolina avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.97%▲ 0.78% above avgNationally 2.90%
Details

Rate History
No change since Oct 10, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 10, 2026: 3.75% APYOct 10, 2026Oct 13, 2026
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
60 Month Certificate
$2,000
3.66% ▲ 0.69% above North Carolina avg
View
▼
Rate3.60%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.97%▲ 0.69% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.51% → 3.66% ▲ 0.15 pts · high 3.66% / low 3.51%
3.01%3.59%4.16%Sep 14, 2026: 3.51% APYOct 9, 2026: 3.66% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.66%▲ from 3.51%
  • Sep 14, 20263.51%first recorded
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year IRA Certificate Roth Executive
$100,000
3.60% ▲ 0.63% above North Carolina avg
View
▼
Rate3.53%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.97%▲ 0.63% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year IRA Certificate Traditional Executive
$100,000
3.60% ▲ 0.63% above North Carolina avg
View
▼
Rate3.53%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.97%▲ 0.63% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
IRA Certificate - 5 Years
$0
3.60% ▲ 0.63% above North Carolina avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.97%▲ 0.63% above avgNationally 2.90%
Details

Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 6, 2026: 3.60% APYOct 6, 2026Oct 13, 2026
CAROLINA
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
5 Year CD
$50,000
3.60% ▲ 0.63% above North Carolina avg
View
▼
Rate3.54%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.97%▲ 0.63% above avgNationally 2.90%
Details

Rate History
2 changes since Sep 14, 2026 · 3.10% → 3.60% ▲ 0.50 pts · high 3.60% / low 3.10%
2.60%3.35%4.10%Sep 14, 2026: 3.10% APYSep 18, 2026: 3.20% APYOct 6, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
  • Oct 6, 20263.60%▲ from 3.20%
  • Sep 18, 20263.20%▲ from 3.10%
  • Sep 14, 20263.10%first recorded
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
60 Month IRA Certificate
$0
3.50% ▲ 0.53% above North Carolina avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
North Carolina Average2.97%▲ 0.53% above avgNationally 2.90%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
60 Month Share Certificates
$0
3.50% ▲ 0.53% above North Carolina avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
North Carolina Average2.97%▲ 0.53% above avgNationally 2.90%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 13, 2026
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year IRA Certificate Roth Premier
$10,000
3.50% ▲ 0.53% above North Carolina avg
View
▼
Rate3.44%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.97%▲ 0.53% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year IRA Certificate Traditional Premier
$10,000
3.50% ▲ 0.53% above North Carolina avg
View
▼
Rate3.44%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.97%▲ 0.53% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Welcome Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
60 Month Certificate
$1,000
3.50% ▲ 0.53% above North Carolina avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.97%▲ 0.53% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
Welcome Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
IRA Share Certificate - 60 Months
$500
3.50% ▲ 0.53% above North Carolina avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.97%▲ 0.53% above avgNationally 2.90%
Details

Rate History
No change since Oct 9, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 9, 2026: 3.50% APYOct 9, 2026Oct 13, 2026
Empeople Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
60 Month Certificate
$500
3.50% ▲ 0.53% above North Carolina avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.97%▲ 0.53% above avgNationally 2.90%
Details

HSA Certificate - Members who have amassed a balance in their Health Savings Account can use those funds to open an HSA certificate. HSA certificates are offered in the same terms as regular certificates. If you have questions or are interested in opening an HSA certificate, contact us today. APY = Annual Percentage Yield. For all certificates unless otherwise noted: penalty for early withdrawal. Minimum deposit of $500 required to open certificate & earn dividends. Rate is accurate as today's dividend declaration. Fees may reduce earnings on the account. Rate = dividend rate.

Rate History
1 change since Sep 14, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
2.50%3.25%4.00%Sep 14, 2026: 3.00% APYOct 1, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
  • Oct 1, 20263.50%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
CAROLINA
Institution Rating:
A+5.0 ★Texas Ratio: 4.75%
5 Year CD
$1,000
3.50% ▲ 0.53% above North Carolina avg
View
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.97%▲ 0.53% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.10% → 3.50% ▲ 0.40 pts · high 3.50% / low 3.10%
2.60%3.30%4.00%Sep 14, 2026: 3.10% APYOct 6, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
  • Oct 6, 20263.50%▲ from 3.10%
  • Sep 14, 20263.10%first recorded
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
5 Years Share Certificate
$0
3.45% ▲ 0.48% above North Carolina avg
View
▼
Rate3.41%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
North Carolina Average2.97%▲ 0.48% above avgNationally 2.90%
Details

Rate History
No change since Oct 6, 2026 · 3.45% APY · checked 2 times
2.95%3.45%3.95%Oct 6, 2026: 3.45% APYOct 6, 2026Oct 13, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
60 Month Certificate
$0
3.41% ▲ 0.44% above North Carolina avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average2.97%▲ 0.44% above avgNationally 2.90%
Details

Rate History
No change since Sep 24, 2026 · 3.41% APY · checked 5 times
2.91%3.41%3.91%Sep 24, 2026: 3.41% APYSep 24, 2026Oct 13, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
60 Month Term
$0
3.40% ▲ 0.43% above North Carolina avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average2.97%▲ 0.43% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 18, 2026: 3.40% APYSep 18, 2026Oct 13, 2026
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year IRA Certificate Roth
$500
3.40% ▲ 0.43% above North Carolina avg
View
▼
Rate3.34%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.97%▲ 0.43% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 7 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 13, 2026
Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
5 Year IRA Certificate Traditional
$500
3.40% ▲ 0.43% above North Carolina avg
View
▼
Rate3.34%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.97%▲ 0.43% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 7 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 13, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.43%
60 Month Term
$0
3.35% ▲ 0.38% above North Carolina avg
View
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
North Carolina Average2.97%▲ 0.38% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 6 times
2.85%3.35%3.85%Sep 18, 2026: 3.35% APYSep 18, 2026Oct 13, 2026
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.25%
5 Year IRA Certificate
$500
3.35% ▲ 0.38% above North Carolina avg
View
▼
Rate3.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
North Carolina Average2.97%▲ 0.38% above avgNationally 2.90%
Details

Published APY range: 3.35% - 3.55%; Published rate range: 3.30% - 3.49%. Balance: $500.00 - $250,000.00

Rate History
No change since Sep 14, 2026 · 3.35% APY · checked 7 times
2.85%3.35%3.85%Sep 14, 2026: 3.35% APYSep 14, 2026Oct 13, 2026
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.

Top CD Rates from Sandyfield, North Carolina Institutions

Highest verified APYs available today, updated October 12, 2026

B Top 5 Bank Rates
Live Oak Bank
1-Year CD
A 5.0 ★ TX: 7.23%
Min: $0
4.30%
Flagstar Bank, National Association
12-MONTH CD
D 3.3 ★ TX: 35.11%
Min: $500
4.30%
Crescent Bank
24-month CD
A+ 5.0 ★ TX: 3.24%
Min: $1,000
4.25%
Blue Ridge Bank National Association
12 Month Certificate
A 5.0 ★ TX: 8.11%
Min: $0
4.05%
Mechanics & Farmers Bank
12-Month CD
A+ 5.0 ★ TX: 3.41%
Min: $0
4.01%
CU Top 5 Credit Union Rates
Truliant Federal Credit Union
Limited-Time 12 Month Term (new external funds required)
A 5.0 ★ TX: 6.43%
Min: $0
5.00%
Piedmont Advantage Credit Union
12 Month Special Limited Term Certificate
A+ 5.0 ★ TX: 3.82%
Min: $5,000
5.00%
Advancial Federal Credit Union
Regular, IRA & Business Jumbo Certificates - 5 years
A 5.0 ★ TX: 12.30%
Min: $0
4.87%
Skyla Federal Credit Union
48 Month elite jumbo cd
A 5.0 ★ TX: 9.56%
Min: $250,000
4.75%
Fort Financial Federal Credit Union
Traditional 12-Month IRA Certificate - Premier Member
A+ 5.0 ★ TX: 2.95%
Min: $500
4.50%
Rates verified October 12, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Sandyfield, NC CD Rate Trends

Compare local Sandyfield, NC CD rate quotes against the statewide average

Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.

View Full North Carolina CD Trends
12-Month CD NC Avg
3.149%
▲ 0.072 vs 7 days ago

North Carolina 12-month CD rates rose 0.072 points over the past 7 days to 3.149% APY.

6-Month CD NC Avg
2.890%
▲ 0.023 vs 7 days ago

North Carolina 6-month CD rates rose 0.023 points over the past 7 days to 2.890% APY.

As of Oct 13, 2026 • Rate data sourced from 8,500+ monitored institutions

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
3.149%
6-Month Forecast
3.149%
Range: 2.95%, 3.30%
12-Month Forecast
3.399%
Range: 3.20%, 3.55%

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

Spread model: The North Carolina 12-month CD average currently trades 1.23% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

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

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

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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 1.897% $94.86 $189.71 $474.28 $948.55
6-Month CD 2.890% $144.51 $289.02 $722.55 $1,445.10
12-Month CD 3.149% $157.43 $314.86 $787.15 $1,574.30
18-Month CD 3.019% $150.94 $301.88 $754.70 $1,509.40
24-Month CD 3.130% $156.49 $312.98 $782.45 $1,564.90
36-Month CD 2.923% $146.17 $292.33 $730.82 $1,461.65
48-Month CD 2.729% $136.44 $272.88 $682.20 $1,364.40
60-Month CD 2.973% $148.63 $297.26 $743.15 $1,486.30
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 12, 2026.
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Sample CD Ladder for Sandyfield, North Carolina Savers

$25,000 split equally across 5 terms using today’s North Carolina average rates. As each CD matures, reinvest at the 36-month rung.

Build Your Ladder
Rung Term Deposit NC Avg APY Annual Earnings
1 3-Month CD $5,000 1.897% $94.86
2 6-Month CD $5,000 2.890% $144.51
3 12-Month CD $5,000 3.149% $157.43
4 24-Month CD $5,000 3.130% $156.49
5 36-Month CD $5,000 2.923% $146.17
Total ($25,000 invested) $25,000 2.798% blended $699.46/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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851
CD Rates
Tracked in Sandyfield, North Carolina
25 Banks 57 Credit Unions

About Our Sandyfield, North Carolina CD Rate Database

MonitorBankRates tracks 851 CD rates from 25 banks and 57 credit unions with locations in Sandyfield, 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: Truliant Federal Credit Union offers a CD at 5.00% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Sandyfield, North Carolina.

How to Find the Best CD Rates in Sandyfield, North Carolina

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

To find the best APYs in Sandyfield, North Carolina, start with credit unions and online-only banks: Sandyfield, North Carolina has 57 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 Sandyfield, 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 Sandyfield, North Carolina: 82 institutions here report CD rates

Consider an Alternative If…

North Carolina Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024 (state-level data shown; city data not available)

Population 65+
17.2%
National avg: 17.3%
Median Individual Earnings
$43,026
National avg: $47,340
Poverty Rate
13.0%
National avg: 11.1%
Unemployment Rate
4.6%
National avg: 4.8%
CD Earnings on 10% of Salary
$135/yr
At NC 12-mo avg 3.149% APY

17.2% of residents are 65 or older, in line with the national average of 17.3%. At today’s NC 12-month CD average of 3.149%, saving 10% of the local median salary ($4,302/year) and putting it in a CD would earn an additional $135 annually in interest.

Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.

CD Rates vs. Other Savings Options in Sandyfield, 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 Sandyfield, 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 Sandyfield, 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 Sandyfield, North Carolina as everywhere in the U.S.

Choosing a CD Term in Sandyfield, 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 Sandyfield, North Carolina savers easier access to their funds. For example, Live Oak Bank is offering its 6-month CD at 4.10% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Advancial Federal Credit Union is offering its Regular, IRA & Business Jumbo Certificates - 5 years at 4.87% 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 Sandyfield, 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 Sandyfield, 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 Sandyfield, 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 Sandyfield, 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 Sandyfield, North Carolina

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

Are CD rates in Sandyfield, North Carolina FDIC insured?

Yes, most established banks in Sandyfield, 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 Sandyfield, 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 Sandyfield, 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 Sandyfield, 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 Sandyfield, North Carolina?

Here are recent top rates found for this area:
  • Truliant Federal Credit Union: 5.00% APY (Limited-Time 12 Month Term (new external funds required))
  • Piedmont Advantage Credit Union: 5.00% APY (12 Month Special Limited Term Certificate)
  • Advancial Federal Credit Union: 4.87% APY (Regular, IRA & Business Jumbo Certificates - 5 years)
  • Skyla Federal Credit Union: 4.75% APY (48 Month elite jumbo cd)
  • Fort Financial Federal Credit Union: 4.50% APY (Traditional 12-Month IRA Certificate - Premier Member)
  • COASTAL: 4.50% APY (60 Month IRA Certificate)
  • Empeople Credit Union: 4.40% APY (18 Month Certificate)
  • Navy Federal Credit Union: 4.35% APY (12 Month Special EasyStart Certificate)
  • Duke University Federal Credit Union: 4.34% APY (IRA Certificate 13-24 month term)
  • Live Oak Bank: 4.30% APY (1-Year CD)
Rates reflect recent verified offers available in Sandyfield, North Carolina. Last Updated: October 12, 2026

Sandyfield, 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 Sandyfield, 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
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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.

Top Sandyfield, North Carolina CD Rates by Term

Verified October 12, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Sandyfield, North Carolina. Averages shown use the North Carolina state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Sandyfield, North Carolina

Sandyfield, North Carolina CD Calculator

At today’s NC top rate of 5.00% APY, a $10,000 deposit earns $500 in the first year. Enter your amount to see your exact return.

Sandyfield, North Carolina CD Ladder

NC CD rates currently range from 1.897% (3-month) to 2.923% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Sandyfield, North Carolina CD at 5.00% 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 Savings

North Carolina’s average 12-month CD is 3.149% 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 Sandyfield, 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 Sandyfield, 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 Sandyfield, 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 12, 2026

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