MonitorBankRates
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CD Rates Sylva, North Carolina (NC) for April 2026

Current Sylva, North Carolina CD rates include State Employees Credit UnionState Employees Credit Union1746 E MAIN ST, SYLVA, NC 28779A-5.0 ★Texas Ratio: 15.54%Real return: +1.05%APY minus CPI (February 2026) offering 18 months Share Term Certificates (STCs) at 3.85% APY, United Community BankUnited Community Bank1640 E Main St, Sylva, NC 28779A+5.0 ★Texas Ratio: 3.01%Real return: +0.85%APY minus CPI (February 2026) offering 6-month CD at 3.65% APY, Wells FargoWells Fargo733 W Main St, Sylva, NC 28779A5.0 ★Texas Ratio: 7.44%Real return: -1.29%APY minus CPI (February 2026) offering 1 year Standard Fixed Rate CD at 1.51% APY, First Citizens BankFirst Citizens Bank609 W Main St, Sylva, NC 28779A+5.0 ★Texas Ratio: 5.24%Real return: -2.79%APY minus CPI (February 2026) offering 6-month automatic saver CD at 0.01% APY, and Fort Financial Federal Credit UnionFort Financial Federal Credit UnionA+5.0 ★Texas Ratio: 3.12%Real return: +1.70%APY minus CPI (February 2026) offering 12-Month IRA/ESA Certificate Premier Member at 4.50% APY. CD rates as of April 21, 2026 according to verified data from MonitorBankRates.

Sylva has 13 local institutions in our database, with CD rates as high as 3.85% APY from State Employees Credit Union at 1746 E MAIN ST, SYLVA, NC 28779. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader North Carolina area. Rates are continually updated — 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: April 21, 2026

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

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
733 W Main St, Sylva, NC 28779
3 month Standard Fixed Rate CD
$2,500
0.06%
Rate0.06%
Min Deposit$2,500
Min Balance
UpdatedApr 21, 2026
Details

Early withdrawal penalties may apply

Cecil County School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.43%
3-Month Certificate Special
$500
3.55%
Rate
Min Deposit$500
Min Balance
UpdatedApr 21, 2026
Details

$500 New Money Minimum

REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Regular Certificates 3 Month
$0
3.50%
Rate3.44%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

Live Oak Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.35%
3-month CD
$2,500
3.00%
Rate
Min Deposit$2,500
Min Balance
UpdatedApr 21, 2026
Details

Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
3 Month Certificate
$500
2.50%
Rate2.47%
Min Deposit$500
Min Balance
UpdatedApr 21, 2026
Details

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
3 Month IRA Certificate
$500
2.40%
Rate2.37%
Min Deposit$500
Min Balance
UpdatedApr 21, 2026
Details

Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
3 Months Share Certificates
$0
2.15%
Rate
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
3 Months Share and IRA Certificates
$0
1.25%
Rate1.24%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the "Tax Reported Owner") is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. Minimum balance for consumer is $500. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account.

Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
Share Certificates 3 Month
$100,000
0.90%
Rate0.90%
Min Deposit$100,000
Min Balance
UpdatedApr 21, 2026
Details

Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
Certificate IRAs 3 Months
$0
0.90%
Rate
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

3

Benchmark Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
Regular Time Deposits & IRAs* 3 Months
$0
0.85%
Rate0.85%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

Premium

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
3-month term Standard CDs
$0
0.60%
Rate0.60%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
Business Edge - 90 Day Certificate
$1,000
0.50%
Rate
Min Deposit$1,000
Min Balance
UpdatedApr 21, 2026
Details

Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
3-Month CD
$500
0.50%
Rate0.50%
Min Deposit$500
Min Balance
UpdatedApr 21, 2026
Details

First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
Regular CD 90 Days
$0
0.05%
Rate
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
United Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
1640 E Main St, Sylva, NC 28779
6-month CD
$2,500
3.65%
Rate
Min Deposit$2,500
Min Balance
UpdatedApr 21, 2026
Details

State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
1746 E MAIN ST, SYLVA, NC 28779
6 months Share Term Certificates (STCs)
$250
3.60%
Rate3.60%
Min Deposit$250
Min Balance
UpdatedApr 21, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
733 W Main St, Sylva, NC 28779
6 month Standard Fixed Rate CD
$2,500
0.06%
Rate0.06%
Min Deposit$2,500
Min Balance
UpdatedApr 21, 2026
Details

Early withdrawal penalties may apply

First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
609 W Main St, Sylva, NC 28779
6-month automatic saver CD
$500
0.01%
Rate
Min Deposit$500
Min Balance
UpdatedApr 21, 2026
Details

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
IRA Certificate Accounts 6 month
$500
3.82%
Rate3.75%
Min Deposit$500
Min Balance
UpdatedApr 21, 2026
Details

First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★Texas Ratio: 61.44%
Share Certificates 6 Months
$0
3.80%
Rate3.75%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
IRA Share Certificate (180 Day)
$500
3.80%
Rate3.73%
Min Deposit$500
Min Balance
UpdatedApr 21, 2026
Details

FirstBank (TN)
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
6 Month CD
$0
3.80%
Rate
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

Credit Human Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.04%
6-month Share Certificate
$0
3.80%
Rate
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

Limited Time Only

North Carolina Press Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Term Certificates (STCs)4 6 months
$250
3.80%
Rate3.80%
Min Deposit$250
Min Balance
UpdatedApr 21, 2026
Details

COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
6 Month Certificate
$250
3.80%
Rate3.74%
Min Deposit$250
Min Balance
UpdatedApr 21, 2026
Details

REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Regular Certificates 6 Month
$0
3.75%
Rate3.68%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

Live Oak Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.35%
6-month CD
$2,500
3.70%
Rate
Min Deposit$2,500
Min Balance
UpdatedApr 21, 2026
Details

Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
6 Months Certificates
$500
3.60%
Rate3.60%
Min Deposit$500
Min Balance
UpdatedApr 21, 2026
Details

CAROLINA
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
6 Month CD
$0
3.60%
Rate3.54%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

($1,000 minimum)

Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Share Certificate 6 Months
$0
3.56%
Rate3.50%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
6 Months Term Certificates K Jumbo
$200,000
3.55%
Rate3.55%
Min Deposit$200,000
Min Balance
UpdatedApr 21, 2026
Details

$200

Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
6-mo. Share Certificate
$1,000
3.55%
Rate
Min Deposit$1,000
Min Balance
UpdatedApr 21, 2026
Details

Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.49%
6 Months Share Certificate
$500
3.50%
Rate
Min Deposit$500
Min Balance
UpdatedApr 21, 2026
Details

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
Money Market Add-On Certificate 6 Months (182 Days)
$0
3.40%
Rate3.35%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
6 Month Certificate
$500
3.25%
Rate3.20%
Min Deposit$500
Min Balance
UpdatedApr 21, 2026
Details

ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
IRA Certificate - 6 Months (Reg/Roth/Educ)
$100,000
3.25%
Rate3.20%
Min Deposit$100,000
Min Balance
UpdatedApr 21, 2026
Details

WNC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
6-Month Share Certificate
$0
3.00%
Rate3.00%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
6 Month Term Certificate
$500
3.00%
Rate
Min Deposit$500
Min Balance
UpdatedApr 21, 2026
Details

Emergency Responders Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.88%
6 Months Certificates of Deposit
$500
2.75%
Rate
Min Deposit$500
Min Balance
UpdatedApr 21, 2026
Details

Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
6 Months Share Certificates
$0
2.65%
Rate
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

URW Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.37%
6 Month Share Certificates (Share & IRA)
$1,000
2.53%
Rate2.50%
Min Deposit$1,000
Min Balance
UpdatedApr 21, 2026
Details

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
6 Month IRA Certificate
$500
2.45%
Rate2.42%
Min Deposit$500
Min Balance
UpdatedApr 21, 2026
Details

Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
Certificate IRAs 6 Months
$0
1.90%
Rate
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

3

Benchmark Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
Regular Time Deposits & IRAs* 6 Months
$0
1.80%
Rate1.79%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

Premium

American Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
6 Month IRA and Share Certificates
$500
1.75%
Rate1.74%
Min Deposit$500
Min Balance
UpdatedApr 21, 2026
Details

Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
6-Month CD
$500
1.75%
Rate1.73%
Min Deposit$500
Min Balance
UpdatedApr 21, 2026
Details

Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
Share Certificates 6 Month
$100,000
1.60%
Rate1.59%
Min Deposit$100,000
Min Balance
UpdatedApr 21, 2026
Details

Blue Ridge Bank National Association
Institution Rating:
F2.8 ★Texas Ratio: 41.42%
Consumer Certificates of Deposit 6 Month
$0
1.60%
Rate1.59%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
6 Months Share and IRA Certificates
$0
1.50%
Rate1.49%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the "Tax Reported Owner") is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. Minimum balance for consumer is $500. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account.

Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
6 Months Share Certificates/CDs
$0
1.40%
Rate
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
6-month term Standard CDs
$0
1.35%
Rate1.34%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

Paramount Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.91%
CD & IRA - 6 Months
$1,000
1.20%
Rate1.19%
Min Deposit$1,000
Min Balance
UpdatedApr 21, 2026
Details

Quarterly Post or Interest Checks<sup>2</sup>

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
6-Month Certificate (Premier Member)
$500
0.85%
Rate0.85%
Min Deposit$500
Min Balance
UpdatedApr 21, 2026
Details

North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
IRA/Tiered Share Certificates 6 Months
$0
0.18%
Rate0.18%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

Winston Salem Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
6 Month Certificate Savings Plan
$0
0.15%
Rate0.15%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
Regular CD 180 Days
$0
0.10%
Rate
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
1746 E MAIN ST, SYLVA, NC 28779
12 months Share Term Certificates (STCs)
$250
3.75%
Rate3.75%
Min Deposit$250
Min Balance
UpdatedApr 21, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
733 W Main St, Sylva, NC 28779
1 year Standard Fixed Rate CD
$2,500
1.51%
Rate1.50%
Min Deposit$2,500
Min Balance
UpdatedApr 21, 2026
Details

Early withdrawal penalties may apply

First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
609 W Main St, Sylva, NC 28779
1-year convertible CD
$500
0.01%
Rate
Min Deposit$500
Min Balance
UpdatedApr 21, 2026
Details

Qualifying balance up to $49,000.00

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
12-Month IRA/ESA Certificate Premier Member
$500
4.50%
Rate4.41%
Min Deposit$500
Min Balance
UpdatedApr 21, 2026
Details

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
IRA Certificates 1 Year Starter Add-On
$0
4.25%
Rate4.18%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

North Carolina Press Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Term Certificates (STCs)4 12 months
$250
4.15%
Rate4.15%
Min Deposit$250
Min Balance
UpdatedApr 21, 2026
Details

Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Share Certificate 12 Months
$0
4.07%
Rate4.00%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
IRA Share Certificate (12 Month)
$500
4.00%
Rate3.93%
Min Deposit$500
Min Balance
UpdatedApr 21, 2026
Details

COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
IRA Certificate 12 Month
$250
3.90%
Rate3.83%
Min Deposit$250
Min Balance
UpdatedApr 21, 2026
Details

Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.49%
12 Months Share Certificate
$1,000
3.90%
Rate
Min Deposit$1,000
Min Balance
UpdatedApr 21, 2026
Details

Live Oak Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.35%
1-Year CD
$2,500
3.90%
Rate
Min Deposit$2,500
Min Balance
UpdatedApr 21, 2026
Details

Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
1-year Certificate
$0
3.82%
Rate
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1-Year Certificate
$0
3.82%
Rate
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

Winston Salem Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
12 Month Certificate Savings Plan
$0
3.82%
Rate3.75%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
12 Month Fixed Rate IRA Certificates
$500
3.80%
Rate3.75%
Min Deposit$500
Min Balance
UpdatedApr 21, 2026
Details

Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
12 Months Term Certificates K Jumbo
$200,000
3.75%
Rate3.75%
Min Deposit$200,000
Min Balance
UpdatedApr 21, 2026
Details

$200

REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Regular Certificates 12 Month Special
$0
3.75%
Rate3.68%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

Fort Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.57%
12-month CD
$25,000
3.75%
Rate
Min Deposit$25,000
Min Balance
UpdatedApr 21, 2026
Details

Blue Ridge Bank National Association
Institution Rating:
F2.8 ★Texas Ratio: 41.42%
Golden Advantage Certificate of Deposits and Specials 12 months
$1,000
3.75%
Rate3.70%
Min Deposit$1,000
Min Balance
UpdatedApr 21, 2026
Details

Emergency Responders Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.88%
12 Month JUMBO Certificates of Deposit
$30,000
3.75%
Rate
Min Deposit$30,000
Min Balance
UpdatedApr 21, 2026
Details

Crescent Bank
Institution Rating:
C4.0 ★Texas Ratio: 27.16%
12-month CD
$1,000
3.65%
Rate
Min Deposit$1,000
Min Balance
UpdatedApr 21, 2026
Details

Annual Percentage Yield (APY) effective 03/25/2026 is subject to change at any time and is based on interest compounding quarterly. This is a limited time offer and can be withdrawn at any time without notice. Interest rates are fixed for the term of the Certificate of Deposit. A penalty is imposed for early withdrawal which would reduce earnings on your account. For more information on insurance coverage visit www.fdic.gov. Member FDIC

URW Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.37%
1 Year Share Certificates (Share & IRA)
$1,000
3.60%
Rate3.55%
Min Deposit$1,000
Min Balance
UpdatedApr 21, 2026
Details

First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★Texas Ratio: 61.44%
Share Certificates 12 Months
$0
3.55%
Rate3.50%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

CAROLINA
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
1 Year CD
$0
3.50%
Rate3.45%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

($50,000 minimum)

Paramount Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.91%
CD & IRA - 12 Months
$1,000
3.50%
Rate3.45%
Min Deposit$1,000
Min Balance
UpdatedApr 21, 2026
Details

Quarterly Post or Interest Checks<sup>2</sup>

Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
12 Month CD
$0
3.50%
Rate
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
12 Months Certificates
$500
3.50%
Rate3.50%
Min Deposit$500
Min Balance
UpdatedApr 21, 2026
Details

Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
12 Months Share Certificates
$0
3.50%
Rate
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

Sharonview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.73%
12 Months IRA Certificate
$0
3.50%
Rate3.44%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
12 Months Share Certificates/CDs
$0
3.40%
Rate
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
IRA Certificate Accounts 12 month
$500
3.40%
Rate3.35%
Min Deposit$500
Min Balance
UpdatedApr 21, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 12-Month Fixed
$100,000
3.40%
Rate3.35%
Min Deposit$100,000
Min Balance
UpdatedApr 21, 2026
Details

$100,000 Minimum to Earn APY

Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
12-Month IRA Certificate
$2,000
3.30%
Rate3.25%
Min Deposit$2,000
Min Balance
UpdatedApr 21, 2026
Details

Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
Certificate IRAs 12 Months
$0
3.30%
Rate
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

3

Duke University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
IRA Certificate 6-12 month term
$0
3.30%
Rate3.25%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
IRA Certificate - 12 Months (Reg/Roth/Educ)
$100,000
3.25%
Rate3.20%
Min Deposit$100,000
Min Balance
UpdatedApr 21, 2026
Details

Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
12 Month Certificate
$500
3.25%
Rate3.20%
Min Deposit$500
Min Balance
UpdatedApr 21, 2026
Details

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
12 Month IRA Certificate
$500
3.25%
Rate3.20%
Min Deposit$500
Min Balance
UpdatedApr 21, 2026
Details

Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
12-Month Fixed IRA Certificate
$100
3.00%
Rate2.96%
Min Deposit$100
Min Balance
UpdatedApr 21, 2026
Details

Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
IRA Share Certificate (12 Months) - Employer Rollover/Transfer
$1,000
3.00%
Rate
Min Deposit$1,000
Min Balance
UpdatedApr 21, 2026
Details

Benchmark Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
Regular Time Deposits & IRAs* 12 Months
$0
2.90%
Rate2.87%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

Premium

WNC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
12-Month Share Certificate
$0
2.00%
Rate2.00%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

American Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
12 Month IRA and Share Certificates
$500
2.00%
Rate1.98%
Min Deposit$500
Min Balance
UpdatedApr 21, 2026
Details

Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
12 Months Certificate of Deposit (CDs)
$500
2.00%
Rate2.00%
Min Deposit$500
Min Balance
UpdatedApr 21, 2026
Details

Open Account: $500.00; Obtain APY: $500.00

Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
Share Certificates 12 Month
$100,000
1.75%
Rate1.74%
Min Deposit$100,000
Min Balance
UpdatedApr 21, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
12 Month Liquid Certificate
$2,500
1.60%
Rate1.59%
Min Deposit$2,500
Min Balance
UpdatedApr 21, 2026
Details

Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the "Tax Reported Owner") is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. A penalty may be charged for early withdrawal. Rates may change after account is opened. Fees may reduce earnings on the account.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
12-month term Standard CDs
$0
1.40%
Rate1.39%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
12 Month IRA Certificates
$250
1.00%
Rate
Min Deposit$250
Min Balance
UpdatedApr 21, 2026
Details

Relationship APY

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
1-Year Certificate (365 Days)
$0
0.50%
Rate0.50%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
IRA/Tiered Share Certificates 12 Months
$0
0.18%
Rate0.18%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
1746 E MAIN ST, SYLVA, NC 28779
18 months Share Term Certificates (STCs)
$250
3.85%
Rate3.85%
Min Deposit$250
Min Balance
UpdatedApr 21, 2026
Details

North Carolina Press Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Term Certificates (STCs)4 18 months
$250
4.30%
Rate4.30%
Min Deposit$250
Min Balance
UpdatedApr 21, 2026
Details

ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
IRA Share Certificate (18 Month)
$500
4.15%
Rate4.07%
Min Deposit$500
Min Balance
UpdatedApr 21, 2026
Details

Emergency Responders Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.88%
18 Months Certificates of Deposit
$500
4.00%
Rate
Min Deposit$500
Min Balance
UpdatedApr 21, 2026
Details

COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
IRA Certificate 18 Month
$250
3.90%
Rate3.83%
Min Deposit$250
Min Balance
UpdatedApr 21, 2026
Details

Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
18 Months Term Certificates K Jumbo
$200,000
3.80%
Rate3.80%
Min Deposit$200,000
Min Balance
UpdatedApr 21, 2026
Details

$200

Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.49%
18 Months Share Certificate
$1,000
3.75%
Rate
Min Deposit$1,000
Min Balance
UpdatedApr 21, 2026
Details

Corporate America Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
18-Month Share Certificate
$500
3.75%
Rate
Min Deposit$500
Min Balance
UpdatedApr 21, 2026
Details

Save more when you move at least $500 from another financial institution.

Live Oak Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.35%
18-Month CD
$2,500
3.70%
Rate
Min Deposit$2,500
Min Balance
UpdatedApr 21, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 18-Month Variable
$100,000
3.69%
Rate3.63%
Min Deposit$100,000
Min Balance
UpdatedApr 21, 2026
Details

$100,000 Minimum to Earn APY

Winston Salem Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
18 Month Certificate Savings Plan
$0
3.61%
Rate3.55%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
18 Months Share Certificates
$0
3.55%
Rate
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
18-Month IRA/ESA Certificate Premier Member
$500
3.50%
Rate3.44%
Min Deposit$500
Min Balance
UpdatedApr 21, 2026
Details

Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
18 Month Term Certificate
$500
3.50%
Rate
Min Deposit$500
Min Balance
UpdatedApr 21, 2026
Details

REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Regular Certificates 18 Month Special
$0
3.50%
Rate3.44%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

Roxboro Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
Individual Retirement Accounts (IRAs) 18 months
$0
3.45%
Rate3.39%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Share Certificate 18 Months
$0
3.35%
Rate3.30%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
18-month term
$0
3.30%
Rate3.25%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
18-Month Share Certificate
$2,000
3.30%
Rate3.25%
Min Deposit$2,000
Min Balance
UpdatedApr 21, 2026
Details

Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
Certificate IRAs 18 Months
$0
3.30%
Rate
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

3

Lumbee Guaranty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
Individual Retirement Account (IRA) Certificate of Deposit* 18 Month Fixed Rate IRA
$500
3.30%
Rate3.25%
Min Deposit$500
Min Balance
UpdatedApr 21, 2026
Details

Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
18 Month Certificate
$500
3.25%
Rate3.20%
Min Deposit$500
Min Balance
UpdatedApr 21, 2026
Details

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
18 Month IRA Certificate
$500
3.15%
Rate3.10%
Min Deposit$500
Min Balance
UpdatedApr 21, 2026
Details

ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
IRA Certificate - 18 Months (Reg/Roth/Educ)
$1,000
3.05%
Rate3.01%
Min Deposit$1,000
Min Balance
UpdatedApr 21, 2026
Details

American Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
18 Month IRA and Share Certificates
$1,000
2.75%
Rate2.72%
Min Deposit$1,000
Min Balance
UpdatedApr 21, 2026
Details

Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
18 Months Certificate of Deposit (CDs)
$500
2.00%
Rate2.00%
Min Deposit$500
Min Balance
UpdatedApr 21, 2026
Details

Open Account: $500.00; Obtain APY: $500.00

Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
Share Certificates 18 Month
$100,000
1.85%
Rate1.83%
Min Deposit$100,000
Min Balance
UpdatedApr 21, 2026
Details

Paramount Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.91%
CD & IRA - 18 Months
$1,000
1.80%
Rate1.78%
Min Deposit$1,000
Min Balance
UpdatedApr 21, 2026
Details

Quarterly Post or Interest Checks<sup>2</sup>

United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
18 Months Share and IRA Certificates
$0
1.60%
Rate1.59%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the "Tax Reported Owner") is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. Minimum balance for consumer is $500. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account.

Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
18-Month Fixed IRA Certificate
$100
1.10%
Rate1.09%
Min Deposit$100
Min Balance
UpdatedApr 21, 2026
Details

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
18 Month IRA Certificates
$250
1.00%
Rate
Min Deposit$250
Min Balance
UpdatedApr 21, 2026
Details

Relationship APY

Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
18-mo. Share Certificate
$1,000
0.75%
Rate
Min Deposit$1,000
Min Balance
UpdatedApr 21, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
18-Month Certificate
$0
0.55%
Rate0.55%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
1746 E MAIN ST, SYLVA, NC 28779
24 months Share Term Certificates (STCs)
$250
3.85%
Rate3.85%
Min Deposit$250
Min Balance
UpdatedApr 21, 2026
Details

North Carolina Press Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Term Certificates (STCs)4 24 months
$250
4.30%
Rate4.30%
Min Deposit$250
Min Balance
UpdatedApr 21, 2026
Details

Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
24 Month Fixed Rate IRA Certificates
$500
3.91%
Rate3.85%
Min Deposit$500
Min Balance
UpdatedApr 21, 2026
Details

COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
IRA Certificate 24 Month
$250
3.90%
Rate3.83%
Min Deposit$250
Min Balance
UpdatedApr 21, 2026
Details

Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
24 Months Term Certificates K Jumbo
$200,000
3.90%
Rate3.90%
Min Deposit$200,000
Min Balance
UpdatedApr 21, 2026
Details

$200

ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
IRA Share Certificate (24 Month)
$500
3.85%
Rate3.78%
Min Deposit$500
Min Balance
UpdatedApr 21, 2026
Details

Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.49%
24 Months Share Certificate
$1,000
3.75%
Rate
Min Deposit$1,000
Min Balance
UpdatedApr 21, 2026
Details

Emergency Responders Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.88%
24 Month JUMBO Certificates of Deposit
$30,000
3.75%
Rate
Min Deposit$30,000
Min Balance
UpdatedApr 21, 2026
Details

Winston Salem Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
24 Month Certificate Savings Plan
$0
3.61%
Rate3.55%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
IRA Certificates 2 Years
$0
3.60%
Rate3.55%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
24 Months Share Certificates
$0
3.60%
Rate
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
24-Month IRA Certificate
$2,000
3.51%
Rate3.45%
Min Deposit$2,000
Min Balance
UpdatedApr 21, 2026
Details

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
24-Month IRA/ESA Certificate Premier Member
$500
3.50%
Rate3.44%
Min Deposit$500
Min Balance
UpdatedApr 21, 2026
Details

Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
24 Months Certificates
$1,000
3.50%
Rate3.50%
Min Deposit$1,000
Min Balance
UpdatedApr 21, 2026
Details

REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Regular Certificates 24 Month
$0
3.50%
Rate3.44%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Share Certificate 24 Months
$0
3.45%
Rate3.40%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 24-Month Fixed
$100,000
3.45%
Rate3.40%
Min Deposit$100,000
Min Balance
UpdatedApr 21, 2026
Details

$100,000 Minimum to Earn APY

Sharonview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.73%
24 Months IRA Certificate
$0
3.40%
Rate3.34%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

CAROLINA
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
2 Year CD
$0
3.40%
Rate3.35%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

($50,000 minimum)

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
IRA Certificate Accounts 24 month
$500
3.30%
Rate3.25%
Min Deposit$500
Min Balance
UpdatedApr 21, 2026
Details

Duke University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
IRA Certificate 13-24 month term
$0
3.30%
Rate3.25%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
24 Month Certificate
$500
3.25%
Rate3.20%
Min Deposit$500
Min Balance
UpdatedApr 21, 2026
Details

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
Online 24 Month Certificate
$1,000
3.25%
Rate3.20%
Min Deposit$1,000
Min Balance
UpdatedApr 21, 2026
Details

Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
Certificate IRAs 24 Months
$0
3.20%
Rate
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

3

Benchmark Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
Regular Time Deposits & IRAs* 24 Months
$0
3.15%
Rate3.11%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

Premium

URW Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.37%
2 Year Share Certificates (Share & IRA)
$1,000
3.09%
Rate3.05%
Min Deposit$1,000
Min Balance
UpdatedApr 21, 2026
Details

First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★Texas Ratio: 61.44%
Share Certificates 24 Months
$0
3.04%
Rate3.00%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

American Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
24 Month IRA and Share Certificates
$500
3.00%
Rate2.96%
Min Deposit$500
Min Balance
UpdatedApr 21, 2026
Details

Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
24 Month Term Certificate
$500
2.95%
Rate
Min Deposit$500
Min Balance
UpdatedApr 21, 2026
Details

ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
IRA Certificate - 24 Months
$0
2.85%
Rate2.81%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
24-month term Standard CDs
$0
2.60%
Rate2.57%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

Roxboro Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
Individual Retirement Accounts (IRAs) 24 months
$0
2.50%
Rate2.47%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

Paramount Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.91%
CD & IRA - 24 Months
$1,000
2.25%
Rate2.23%
Min Deposit$1,000
Min Balance
UpdatedApr 21, 2026
Details

Quarterly Post or Interest Checks<sup>2</sup>

Live Oak Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.35%
2-Year CD
$2,500
2.00%
Rate
Min Deposit$2,500
Min Balance
UpdatedApr 21, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
24 Months Share and IRA Certificates
$0
1.95%
Rate1.94%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the "Tax Reported Owner") is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. Minimum balance for consumer is $500. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account.

Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
Share Certificates 24 Month
$100,000
1.90%
Rate1.88%
Min Deposit$100,000
Min Balance
UpdatedApr 21, 2026
Details

WNC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
2-Year Share Certificate
$0
1.50%
Rate1.50%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
24-Month Fixed IRA Certificate
$100
1.10%
Rate1.09%
Min Deposit$100
Min Balance
UpdatedApr 21, 2026
Details

Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
24-mo. Share Certificate
$1,000
0.85%
Rate
Min Deposit$1,000
Min Balance
UpdatedApr 21, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
2-Year Certificate
$0
0.65%
Rate0.65%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
IRA/Tiered Share Certificates 24 Months
$0
0.30%
Rate0.30%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
Regular CD 24 Months
$0
0.10%
Rate
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
1746 E MAIN ST, SYLVA, NC 28779
36 months Share Term Certificates (STCs)
$250
3.75%
Rate3.75%
Min Deposit$250
Min Balance
UpdatedApr 21, 2026
Details

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
3 Years Add-On Certificate
$0
4.15%
Rate4.09%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
36 Month Fixed Rate IRA Certificates
$500
4.01%
Rate3.95%
Min Deposit$500
Min Balance
UpdatedApr 21, 2026
Details

North Carolina Press Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Share Term Certificates (STCs)4 36 months
$250
4.00%
Rate4.00%
Min Deposit$250
Min Balance
UpdatedApr 21, 2026
Details

ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
IRA Share Certificate (36 Month)
$500
3.90%
Rate3.83%
Min Deposit$500
Min Balance
UpdatedApr 21, 2026
Details

Lumbee Guaranty Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.66%
Individual Retirement Account (IRA) Certificate of Deposit* 36 Month Fixed Rate IRA
$500
3.82%
Rate3.75%
Min Deposit$500
Min Balance
UpdatedApr 21, 2026
Details

Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.49%
36 Months Share Certificate
$1,000
3.75%
Rate
Min Deposit$1,000
Min Balance
UpdatedApr 21, 2026
Details

COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
36 Month Certificate
$250
3.70%
Rate3.64%
Min Deposit$250
Min Balance
UpdatedApr 21, 2026
Details

Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
36 Months Share Certificates
$0
3.65%
Rate
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
36 Months Term Certificates K Jumbo
$200,000
3.60%
Rate3.60%
Min Deposit$200,000
Min Balance
UpdatedApr 21, 2026
Details

$200

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 36-Month Variable
$100,000
3.58%
Rate3.52%
Min Deposit$100,000
Min Balance
UpdatedApr 21, 2026
Details

$100,000 Minimum to Earn APY

Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
36-MO CD
$0
3.51%
Rate
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
36 Months Certificates
$1,000
3.50%
Rate3.50%
Min Deposit$1,000
Min Balance
UpdatedApr 21, 2026
Details

Emergency Responders Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.88%
36 Month JUMBO Certificates of Deposit
$30,000
3.50%
Rate
Min Deposit$30,000
Min Balance
UpdatedApr 21, 2026
Details

Winston Salem Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
36 Month Certificate Savings Plan
$0
3.35%
Rate3.30%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
3-Year Certificate
$0
3.35%
Rate
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
3-year Certificate
$0
3.35%
Rate
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
36 Month Certificate
$500
3.30%
Rate3.25%
Min Deposit$500
Min Balance
UpdatedApr 21, 2026
Details

Duke University Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.32%
IRA Certificate 25-36 month term
$0
3.30%
Rate3.25%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

CAROLINA
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
3 Year CD
$0
3.30%
Rate3.25%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

($50,000 minimum)

American Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
36 Month IRA and Share Certificates
$1,000
3.25%
Rate3.20%
Min Deposit$1,000
Min Balance
UpdatedApr 21, 2026
Details

Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
Certificate IRAs 36 Months
$0
3.20%
Rate
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

3

Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
Share Certificate 36 Months
$0
3.14%
Rate3.10%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
IRA Certificate - 36 Months (Reg/Roth/Educ)
$100,000
3.10%
Rate3.06%
Min Deposit$100,000
Min Balance
UpdatedApr 21, 2026
Details

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
IRA Certificate Accounts 36 month
$500
3.04%
Rate3.00%
Min Deposit$500
Min Balance
UpdatedApr 21, 2026
Details

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
36-Month Certificate (Premier Member)
$500
3.00%
Rate2.96%
Min Deposit$500
Min Balance
UpdatedApr 21, 2026
Details

Summit Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
Jumbo and Jumbo IRA Certificates 36 Month
$10,000
3.00%
Rate2.97%
Min Deposit$10,000
Min Balance
UpdatedApr 21, 2026
Details

Benchmark Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
Regular Time Deposits & IRAs* 36 Months
$0
2.85%
Rate2.82%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

Premium

Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
36 Month Term Certificate
$500
2.85%
Rate
Min Deposit$500
Min Balance
UpdatedApr 21, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
36-month term Standard CDs
$0
2.75%
Rate2.72%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
3 Year IRA Certificate
$500
2.70%
Rate2.66%
Min Deposit$500
Min Balance
UpdatedApr 21, 2026
Details

Paramount Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.91%
CD & IRA - 36 Months
$1,000
2.50%
Rate2.47%
Min Deposit$1,000
Min Balance
UpdatedApr 21, 2026
Details

Quarterly Post or Interest Checks<sup>2</sup>

Sharonview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.73%
36 Months IRA Certificate
$0
2.25%
Rate2.23%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Regular Certificates 36 Month
$0
2.25%
Rate2.22%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

URW Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.37%
3 Year Share Certificates (Share & IRA)
$1,000
2.06%
Rate2.05%
Min Deposit$1,000
Min Balance
UpdatedApr 21, 2026
Details

Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
Share Certificates 3 Year
$100,000
2.05%
Rate2.03%
Min Deposit$100,000
Min Balance
UpdatedApr 21, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
36 Month Bump Up Certificate
$500
2.00%
Rate1.99%
Min Deposit$500
Min Balance
UpdatedApr 21, 2026
Details

APY with Bonus Rate: 2.10%

Live Oak Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.35%
3-Year CD
$2,500
2.00%
Rate
Min Deposit$2,500
Min Balance
UpdatedApr 21, 2026
Details

Blue Ridge Bank National Association
Institution Rating:
F2.8 ★Texas Ratio: 41.42%
Golden Advantage Certificate of Deposits and Specials 36 months
$1,000
1.40%
Rate1.39%
Min Deposit$1,000
Min Balance
UpdatedApr 21, 2026
Details

First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★Texas Ratio: 61.44%
Share Certificates 36 Months
$0
1.25%
Rate1.25%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
36-Month CD
$500
1.10%
Rate1.09%
Min Deposit$500
Min Balance
UpdatedApr 21, 2026
Details

Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
36-mo. Share Certificate
$1,000
1.05%
Rate
Min Deposit$1,000
Min Balance
UpdatedApr 21, 2026
Details

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
3 Year Certificate
$250
1.00%
Rate
Min Deposit$250
Min Balance
UpdatedApr 21, 2026
Details

Relationship APY

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
3-Year Certificate
$0
0.80%
Rate0.80%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
IRA/Tiered Share Certificates 36 Months
$0
0.40%
Rate0.40%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
Regular CD 36 Months
$0
0.10%
Rate
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
1746 E MAIN ST, SYLVA, NC 28779
48 months Share Term Certificates (STCs)
$250
3.85%
Rate3.85%
Min Deposit$250
Min Balance
UpdatedApr 21, 2026
Details

Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
48 Month Fixed Rate IRA Certificates
$500
4.11%
Rate4.05%
Min Deposit$500
Min Balance
UpdatedApr 21, 2026
Details

COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
48 Month Certificate
$250
3.80%
Rate3.74%
Min Deposit$250
Min Balance
UpdatedApr 21, 2026
Details

Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
48 Months Share Certificates
$0
3.75%
Rate
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.49%
48 Months Share Certificate
$1,000
3.75%
Rate
Min Deposit$1,000
Min Balance
UpdatedApr 21, 2026
Details

Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
48 Months Term Certificates K Jumbo
$200,000
3.50%
Rate3.50%
Min Deposit$200,000
Min Balance
UpdatedApr 21, 2026
Details

$200

Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
48 Months Certificates
$1,000
3.50%
Rate3.50%
Min Deposit$1,000
Min Balance
UpdatedApr 21, 2026
Details

American Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
48 Month IRA and Share Certificates
$500
3.50%
Rate3.45%
Min Deposit$500
Min Balance
UpdatedApr 21, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 48-Month Fixed
$100,000
3.50%
Rate3.44%
Min Deposit$100,000
Min Balance
UpdatedApr 21, 2026
Details

$100,000 Minimum to Earn APY

Winston Salem Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
48 Month Certificate Savings Plan
$0
3.35%
Rate3.30%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
48 Month Certificate
$500
3.30%
Rate3.25%
Min Deposit$500
Min Balance
UpdatedApr 21, 2026
Details

Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
Certificate IRAs 48 Months
$0
3.20%
Rate
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

3

Sharonview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.73%
48 Months IRA Certificate
$0
3.00%
Rate2.96%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
48-Month Certificate (Premier Member)
$500
3.00%
Rate2.96%
Min Deposit$500
Min Balance
UpdatedApr 21, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
48-month term Standard CDs
$0
2.90%
Rate2.86%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
IRA Certificate Accounts 48 month
$500
2.78%
Rate2.75%
Min Deposit$500
Min Balance
UpdatedApr 21, 2026
Details

Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
48 Month Term Certificate
$500
2.75%
Rate
Min Deposit$500
Min Balance
UpdatedApr 21, 2026
Details

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
4 Year IRA Certificate
$500
2.70%
Rate2.66%
Min Deposit$500
Min Balance
UpdatedApr 21, 2026
Details

Paramount Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.91%
CD & IRA - 48 Months
$1,000
2.55%
Rate2.52%
Min Deposit$1,000
Min Balance
UpdatedApr 21, 2026
Details

Quarterly Post or Interest Checks<sup>2</sup>

Benchmark Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
Regular Time Deposits & IRAs* 48 Months
$0
2.50%
Rate2.48%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

Premium

REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Regular Certificates 48 Month
$0
2.30%
Rate2.27%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
Share Certificates 4 Year
$100,000
2.10%
Rate2.08%
Min Deposit$100,000
Min Balance
UpdatedApr 21, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
48 Months Share and IRA Certificates
$0
2.05%
Rate2.03%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the "Tax Reported Owner") is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. Minimum balance for consumer is $500. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account.

Live Oak Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.35%
4-Year CD
$2,500
2.00%
Rate
Min Deposit$2,500
Min Balance
UpdatedApr 21, 2026
Details

Blue Ridge Bank National Association
Institution Rating:
F2.8 ★Texas Ratio: 41.42%
Golden Advantage Certificate of Deposits and Specials 48 months
$1,000
1.45%
Rate1.44%
Min Deposit$1,000
Min Balance
UpdatedApr 21, 2026
Details

First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★Texas Ratio: 61.44%
Share Certificates 48 Months
$0
1.35%
Rate1.35%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
48-Month CD
$500
1.10%
Rate1.09%
Min Deposit$500
Min Balance
UpdatedApr 21, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
4-Year Certificate
$0
1.00%
Rate1.00%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
Regular CD 48 Months
$0
0.10%
Rate
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
1746 E MAIN ST, SYLVA, NC 28779
60 months Share Term Certificates (STCs)
$250
3.85%
Rate3.85%
Min Deposit$250
Min Balance
UpdatedApr 21, 2026
Details

Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
60 Month Fixed Rate IRA Certificates
$500
4.22%
Rate4.15%
Min Deposit$500
Min Balance
UpdatedApr 21, 2026
Details

Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
60 Months Share Certificates
$0
3.90%
Rate
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
60 Month Certificate
$250
3.80%
Rate3.74%
Min Deposit$250
Min Balance
UpdatedApr 21, 2026
Details

Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.49%
60 Months Share Certificate
$1,000
3.75%
Rate
Min Deposit$1,000
Min Balance
UpdatedApr 21, 2026
Details

American Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
60 Month IRA and Share Certificates
$500
3.75%
Rate3.69%
Min Deposit$500
Min Balance
UpdatedApr 21, 2026
Details

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
IRA Certificates 5 Years
$0
3.70%
Rate3.65%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
60-Month IRA Certificate
$2,000
3.51%
Rate3.45%
Min Deposit$2,000
Min Balance
UpdatedApr 21, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 60-Month Fixed
$100,000
3.50%
Rate3.44%
Min Deposit$100,000
Min Balance
UpdatedApr 21, 2026
Details

$100,000 Minimum to Earn APY

Latino Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.99%
60 Months Term Certificates K Jumbo
$200,000
3.50%
Rate3.50%
Min Deposit$200,000
Min Balance
UpdatedApr 21, 2026
Details

$200

Welcome Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.34%
60 Months Certificates
$1,000
3.50%
Rate3.50%
Min Deposit$1,000
Min Balance
UpdatedApr 21, 2026
Details

Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
Certificate IRAs 60 Months
$0
3.40%
Rate
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

3

Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
60 Month Certificate
$500
3.30%
Rate3.25%
Min Deposit$500
Min Balance
UpdatedApr 21, 2026
Details

CAROLINA
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
5 Year CD
$0
3.20%
Rate3.15%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

($50,000 minimum)

Sharonview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.73%
60 Months IRA Certificate
$0
3.10%
Rate3.05%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
60-month term Standard CDs
$0
3.10%
Rate3.06%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

ABNB Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
IRA Certificate - 60 Months (Reg/Roth/Educ)
$100,000
3.10%
Rate3.06%
Min Deposit$100,000
Min Balance
UpdatedApr 21, 2026
Details

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
60-Month Certificate (Premier Member)
$500
3.00%
Rate2.96%
Min Deposit$500
Min Balance
UpdatedApr 21, 2026
Details

Roxboro Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.41%
Individual Retirement Accounts (IRAs) 60 months
$0
3.00%
Rate2.96%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Regular Certificates 60 Month
$0
2.80%
Rate2.76%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
5 Year IRA Certificate
$500
2.70%
Rate2.66%
Min Deposit$500
Min Balance
UpdatedApr 21, 2026
Details

Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
60 Months Certificate of Deposit (CDs)
$500
2.50%
Rate2.50%
Min Deposit$500
Min Balance
UpdatedApr 21, 2026
Details

Open Account: $500.00; Obtain APY: $500.00

Benchmark Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
Regular Time Deposits & IRAs* 60 Months
$0
2.35%
Rate2.33%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

Premium

Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
60 Month Term Certificate
$500
2.25%
Rate
Min Deposit$500
Min Balance
UpdatedApr 21, 2026
Details

Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
Share Certificates 5 Year
$100,000
2.15%
Rate2.13%
Min Deposit$100,000
Min Balance
UpdatedApr 21, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
60 Months Share and IRA Certificates
$0
2.10%
Rate2.08%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the "Tax Reported Owner") is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00. Minimum balance for consumer is $500. A penalty may be charged for early withdrawal. Fees may reduce earnings on the account.

Live Oak Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.35%
5-Year CD
$2,500
2.00%
Rate
Min Deposit$2,500
Min Balance
UpdatedApr 21, 2026
Details

Paramount Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.91%
CD & IRA - 60 Months
$1,000
1.70%
Rate1.69%
Min Deposit$1,000
Min Balance
UpdatedApr 21, 2026
Details

Quarterly Post or Interest Checks<sup>2</sup>

URW Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.37%
5 Year Share Certificates (Share & IRA)
$1,000
1.56%
Rate1.55%
Min Deposit$1,000
Min Balance
UpdatedApr 21, 2026
Details

First Carolina Peoples Credit Union
Institution Rating:
F1.1 ★Texas Ratio: 61.44%
Share Certificates 60 Months
$0
1.51%
Rate1.50%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

Blue Ridge Bank National Association
Institution Rating:
F2.8 ★Texas Ratio: 41.42%
Consumer Certificates of Deposit 60 Months and Longer
$0
1.50%
Rate1.49%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
60-Month CD
$500
1.10%
Rate1.09%
Min Deposit$500
Min Balance
UpdatedApr 21, 2026
Details

North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
IRA/Tiered Share Certificates 60 Months
$0
0.75%
Rate0.75%
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
Regular CD 60 Months
$0
0.10%
Rate
Min Deposit$0
Min Balance
UpdatedApr 21, 2026
Details

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

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

Top CD Rates from Sylva, North Carolina Institutions

Highest verified APYs available today — updated April 21, 2026

B Top 5 Bank Rates
United Community Bank
6-month CD
A+ 5.0 ★ TX: 3.01%
Min: $2,500
3.65%
Wells Fargo
1 year Standard Fixed Rate CD
A 5.0 ★ TX: 7.44%
Min: $2,500
1.51%
First Citizens Bank
6-month automatic saver CD
A+ 5.0 ★ TX: 5.24%
Min: $500
0.01%
U S POSTAL SERVICE
IRA Certificates 1 Year Starter Add-On
A+ 5.0 ★ TX: 2.27%
Min: $0
4.25%
COASTAL
IRA Certificate 24 Month
A+ 5.0 ★ TX: 0.50%
Min: $250
3.90%
CU Top 5 Credit Union Rates
State Employees Credit Union
18 months Share Term Certificates (STCs)
A- 5.0 ★ TX: 15.54%
Min: $250
3.85%
Fort Financial Federal Credit Union
12-Month IRA/ESA Certificate Premier Member
A+ 5.0 ★ TX: 3.12%
Min: $500
4.50%
North Carolina Press Association Federal Credit Union
Share Term Certificates (STCs)4 24 months
A+ 5.0 ★ TX: 4.12%
Min: $250
4.30%
Founders Federal Credit Union
60 Month Fixed Rate IRA Certificates
A+ 5.0 ★ TX: 4.65%
Min: $500
4.22%
ElecTel Cooperative Federal Credit Union
IRA Share Certificate (18 Month)
A+ 5.0 ★ TX: 1.21%
Min: $500
4.15%
Rates verified April 21, 2026 — Click an institution name to view its full profile, safety ratings, and all CD terms.

Sylva, NC CD Rate Trends

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

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

View Full North Carolina CD Trends →
12-Month CD — NC Avg
2.202%
▼ 0.135 vs 7 days ago

North Carolina 12-month CD rates fell 0.135 points over the past 7 days to 2.202% APY.

6-Month CD — NC Avg
1.574%
▼ 0.398 vs 7 days ago

North Carolina 6-month CD rates fell 0.398 points over the past 7 days to 1.574% APY.

As of Apr 21, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

NC CD Rate Forecast — Next 12 Months

Where are North Carolina CD rates headed through April 2027?

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

NC 12-Month Avg APY
2.202%
6-Month Forecast
2.202%
Range: 2.00% – 2.35%
12-Month Forecast
1.952%
Range: 1.75% – 2.10%

Data inputs: The central forecast uses CME FedWatch implied fed funds path 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 2.17% 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% (Fed holds longer, deposit competition remains high). Lower bound subtracts 0.20% (earlier or deeper rate cuts compress yields faster).

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

Powered by MonitorBankRates

What Your Savings Earn at NC CD Rates Today

Annual interest earnings at today’s North Carolina average APYs. State average used where available; national average as fallback.

CD Term NC Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 0.589% $29.47 $58.94 $147.35 $294.70
6-Month CD 1.574% $78.70 $157.40 $393.50 $787.00
12-Month CD 2.202% $110.12 $220.24 $550.60 $1,101.20
18-Month CD 3.428% $171.39 $342.77 $856.93 $1,713.85
24-Month CD 3.099% $154.95 $309.89 $774.73 $1,549.45
36-Month CD 2.917% $145.86 $291.72 $729.30 $1,458.60
48-Month CD 2.982% $149.12 $298.23 $745.58 $1,491.15
60-Month CD 2.964% $148.22 $296.43 $741.08 $1,482.15
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 21, 2026.

Sample CD Ladder for Sylva, 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 0.589% $29.47
2 6-Month CD $5,000 1.574% $78.70
3 12-Month CD $5,000 2.202% $110.12
4 24-Month CD $5,000 3.099% $154.95
5 36-Month CD $5,000 2.917% $145.86
Total ($25,000 invested) $25,000 2.076% blended $519.10/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.

59
Institutions
in Sylva, North Carolina
19 Banks 40 Credit Unions

About Our Sylva, North Carolina CD Rate Database

MonitorBankRates tracks CD rates from 19 banks and 40 credit unions with locations in Sylva, North Carolina, plus national online institutions available to North Carolina residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.

Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.

Current top rate: State Employees Credit Union offers a CD at 3.85% APY with a minimum deposit of $250. Use the rate table above to compare all current offers in Sylva, North Carolina.

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

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

To find the best APYs in Sylva, North Carolina, start with credit unions and online-only banks — Sylva, North Carolina has 40 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 Sylva, 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 Sylva, North Carolina — 59 institutions here report CD rates

Consider an Alternative If…

Sylva, North Carolina Financial Snapshot

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

Population 65+
14.6%
National avg: 17.3%
Median Individual Earnings
$26,599
National avg: $47,340
Poverty Rate
19.4%
National avg: 11.1%
Unemployment Rate
7.2%
National avg: 4.8%
CD Earnings on 10% of Salary
$59/yr
At NC 12-mo avg 2.202% APY

14.6% of residents are 65 or older — below the national average of 17.3%; an unemployment rate of 7.2% (vs. 4.8% nationally) underscores the value of a guaranteed fixed return. At today’s NC 12-month CD average of 2.202%, saving 10% of the local median salary ($2,659/year) and putting it in a CD would earn an additional $59 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 Sylva, North Carolina

What to compare when choosing between a CD and other deposit accounts

Feature CD High-Yield Savings Money Market 6-Month CD
Rate Type Fixed APY Variable APY Variable APY Fixed APY
Liquidity Locked for term Anytime Anytime Locked 6 months
Early Withdrawal Penalty (months of interest) None None Penalty (90–180 days interest)
FDIC / NCUA Insured Yes (up to $250K) Yes (up to $250K) Yes (up to $250K) Yes (up to $250K)
Check / Debit Access No Usually no Often yes No
Best For Known savings goal, CD ladder Emergency fund, flexible savings Liquid savings with check-writing Slightly higher yield, less urgency

Frequently Asked Questions about CD Rates in Sylva, North Carolina

Are CD rates in Sylva, North Carolina FDIC insured?

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

Here are recent top rates found for this area:
  • State Employees Credit Union: 3.85% APY (18 months Share Term Certificates (STCs))
  • United Community Bank: 3.65% APY (6-month CD)
  • Wells Fargo: 1.51% APY (1 year Standard Fixed Rate CD)
  • First Citizens Bank: 0.01% APY (6-month automatic saver CD)
  • Fort Financial Federal Credit Union: 4.50% APY (12-Month IRA/ESA Certificate Premier Member)
  • North Carolina Press Association Federal Credit Union: 4.30% APY (Share Term Certificates (STCs)4 24 months)
  • U S POSTAL SERVICE: 4.25% APY (IRA Certificates 1 Year Starter Add-On)
  • Founders Federal Credit Union: 4.22% APY (60 Month Fixed Rate IRA Certificates)
  • ElecTel Cooperative Federal Credit Union: 4.15% APY (IRA Share Certificate (18 Month))
  • Weyco Community Credit Union: 4.07% APY (Share Certificate 12 Months)
Rates reflect recent verified offers available in Sylva, North Carolina. Last Updated: April 21, 2026

Methodology & Data Sources

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Sylva, North Carolina directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Sylva, 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: April 21, 2026