North Carolina CD Rate Trends
Track current and weekly average certificate of deposit APYs across all products in North Carolina, view interactive rate trend charts, and compare NC APYs against the national average.
Current North Carolina CD Rate Trends
CD APYs in North Carolina rose by +0.011 this week, pushing the current 12-Month CD average APY to 2.350%. Savers depositing in NC are now earning more than they would have last week, when the average stood at 2.339%.
At 2.350%, North Carolina's 12-Month CD APY sits -0.447 below the current national average of 2.797%. Savers in NC may find better yields by comparing online offerings or considering national institutions.
The 6-Month CD APY in North Carolina currently averages 1.887%, compared to 1.973% last week. Savers weighing a shorter term should note that 6-Month CDs typically offer lower APYs than 12-Month CDs but provide more flexibility to access funds sooner.
The North Carolina certificate of deposit rate averages displayed on this page are calculated from 720 verified CD rate quotes collected across 66 banks and credit unions actively operating in North Carolina. Our proprietary systems collect and verify deposit rates daily — tracking what real licensed institutions are actually offering to depositors, not promotional teaser rates.
Unlike comparison sites that show only a handful of institutions, MonitorBankRates maintains a continuously updated certificate of deposit rate database spanning community banks, regional lenders, national institutions, and credit unions across North Carolina. This scale allows us to calculate averages that reflect the full deposit landscape — not just the most aggressive advertisers — giving savers, journalists, and financial professionals a more accurate benchmark for what APYs actually look like in NC.
Data reflects average APYs offered by licensed institutions operating in NC. Last Updated: April 18, 2026
North Carolina CD Rate Trends
Weekly average APYs across all CD terms. Hover over the chart to see exact APYs for each week.
North Carolina CD rate averages compiled from 720 current CD rates across 66 banks and credit unions operating in NC — updated daily.
As of Apr 18, 2026 • Data provided by MonitorBankRates.com
For Media, Researchers & Real Estate Professionals
Journalists covering North Carolina financial markets, personal finance professionals advising clients on deposit strategy, and academic researchers studying regional banking patterns are welcome to cite and reference this data. All historical NC cd rate data is free to use for editorial, research, and educational purposes.
Please attribute MonitorBankRates.com when referencing our figures in any publication, article, or report — and optionally link to https://www.monitorbankrates.com/certificate-of-deposit-cd-rates/north-carolina/trends. For custom data pulls, contact us here.
