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CD Rates Whitsett, North Carolina (NC) for April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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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: April 5, 2026

Current Whitsett, North Carolina CD rates include Fort Financial Federal Credit UnionFort Financial Federal Credit UnionA+5.0 ★Texas Ratio: 3.12% offering 12-Month IRA/ESA Certificate Premier Member at 4.50% APY, U S POSTAL SERVICEU S POSTAL SERVICEA+5.0 ★Texas Ratio: 2.27% offering IRA Certificates 1 Year Starter Add-On at 4.25% APY, Founders Federal Credit UnionFounders Federal Credit UnionA+5.0 ★Texas Ratio: 4.65% offering 60 Month Fixed Rate IRA Certificates at 4.22% APY, Skyla Federal Credit UnionSkyla Federal Credit UnionA5.0 ★Texas Ratio: 6.28% offering Elite Jumbo CD 36-month at 4.15% APY, and ElecTel Cooperative Federal Credit UnionElecTel Cooperative Federal Credit UnionA+5.0 ★Texas Ratio: 1.21% offering IRA Share Certificate (18 Month) at 4.15% APY. CD rates as of April 5, 2026 according to verified data from MonitorBankRates.

Whitsett is a smaller community with no bank or credit union branches currently in our database. 183 institutions serving the North Carolina area are available to Whitsett residents, with CD rates as high as 4.50% APY from Fort Financial Federal Credit Union. 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 5, 2026

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

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
3 Month CD and IRA Specials
$0
3.80%
View
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
3-Month Share Certificate
$100,000
3.60%
View
▼
Rate3.54%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details

$100,000 Minimum to Earn APY

Live Oak Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.35%
3-month CD
$0
3.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
IRA Certificate - 3 Month
$0
2.60%
View
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
3 Month Term Certificate
$0
2.50%
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
3 Month Choice CD
$250
1.00%
View
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 5, 2026
Details

Relationship APY

Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
Share Certificates 3 Month
$100,000
0.90%
View
▼
Rate0.90%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
3-month term Standard CDs
$0
0.60%
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
3-Month CD
$0
0.50%
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
6 month Share Certificate
$500
3.82%
View
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
6 Month Certificate
$250
3.80%
View
▼
Rate3.74%
Min Deposit$250
Min Balance—
UpdatedApr 5, 2026
Details

REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Regular Certificates 6 Month
$0
3.75%
View
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
Regular CD 6-month
$500
3.65%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Live Oak Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.35%
6-month CD
$0
3.60%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
6-mo. Share Certificate
$1,000
3.55%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Mountain Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
6 Month Certificate
$0
3.50%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
6-Month Share Certificate
$100,000
3.45%
View
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details

$100,000 Minimum to Earn APY

HealthShare Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.91%
6-Month Share Certificate
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
6 Month Certificate
$500
3.25%
View
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

WNC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
6-Month Share Certificate
$0
3.00%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
6 Month Term Certificate
$0
2.95%
View
▼
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

CS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
6 Month Share Certificate
$500
2.75%
View
▼
Rate2.72%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
IRA Certificate - 6 Month
$250,000
2.65%
View
▼
Rate2.62%
Min Deposit$250,000
Min Balance—
UpdatedApr 5, 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%
View
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
6-Month CD
$0
1.75%
View
▼
Rate1.73%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
Share Certificates 6 Month
$100,000
1.60%
View
▼
Rate1.59%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details

Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
Certificates minimum) 6 Month
$0
1.40%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

$1,000

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
6-month term Standard CDs
$0
1.35%
View
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
6-Month Certificate (Premier Member)
$500
0.85%
View
▼
Rate0.85%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Marine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.48%
6-Month IRA
$500
0.75%
View
▼
Rate0.75%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Winston Salem Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
6 Month Certificate Savings Plan
$0
0.15%
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
6-month automatic saver CD
$500
0.01%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
12-Month IRA/ESA Certificate Premier Member
$500
4.50%
View
▼
Rate4.41%
Min Deposit$500
Min Balance—
UpdatedApr 5, 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%
View
▼
Rate4.18%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
IRA Share Certificate (12 Month)
$500
4.00%
View
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
12 Month Certificate
$250
3.90%
View
▼
Rate3.83%
Min Deposit$250
Min Balance—
UpdatedApr 5, 2026
Details

Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
Jumbo CD 12-month
$50,000
3.85%
View
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 5, 2026
Details

Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1-Year Certificate
$0
3.82%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Live Oak Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.35%
1-Year CD
$0
3.80%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Regular Certificates 12 Month Special
$0
3.75%
View
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Crescent Bank
Institution Rating:
C4.0 ★Texas Ratio: 27.16%
12-month CD
$1,000
3.65%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 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.

URW Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.37%
1 Year Share Certificates (Share & IRA)
$1,000
3.60%
View
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
12 Month Certificate
$500
3.55%
View
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Honda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.85%
1 Year Savings Certificate
$500
3.50%
View
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
IRA Certificate - 12 Month
$250,000
3.45%
View
▼
Rate3.39%
Min Deposit$250,000
Min Balance—
UpdatedApr 5, 2026
Details

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
12 month Share Certificate
$500
3.40%
View
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
IRA Certificates 12-Month
$2,000
3.30%
View
▼
Rate3.25%
Min Deposit$2,000
Min Balance—
UpdatedApr 5, 2026
Details

Mountain Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
12 Month Certificate
$0
3.25%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
12 Month Term Certificate
$0
3.15%
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Marine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.48%
12-Month IRA
$500
3.09%
View
▼
Rate3.05%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Telco Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.49%
12 Month Certificate
$0
2.99%
View
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
Regular, IRA & Business Jumbo Certificates 1 year
$0
2.78%
View
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
12-mo. Share Certificate
$1,000
2.05%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

WNC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
12-Month Share Certificate
$0
2.00%
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
Share Certificates 12 Month
$100,000
1.75%
View
▼
Rate1.74%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
12 Month Liquid Certificate
$2,500
1.70%
View
▼
Rate1.59%
Min Deposit$2,500
Min Balance—
UpdatedApr 5, 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%
View
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
12-Month CD
$0
1.01%
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
12 Month Choice CD
$250
1.00%
View
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 5, 2026
Details

Relationship APY

Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
IRA 12-Month Fixed
$0
0.55%
View
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
1-Year Certificate (365 Days)
$0
0.50%
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
1-year convertible CD
$500
0.01%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Qualifying balance up to $49,000.00

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
IRA Share Certificate (18 Month)
$500
4.15%
View
▼
Rate4.07%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
Jumbo CD senior 18-month
$50,000
4.10%
View
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 5, 2026
Details

COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
18 Month Certificate
$250
3.90%
View
▼
Rate3.83%
Min Deposit$250
Min Balance—
UpdatedApr 5, 2026
Details

Corporate America Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
18-Month Share Certificate
$500
3.75%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

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

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 18-Month Variable
$100,000
3.72%
View
▼
Rate3.66%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 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%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Live Oak Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.35%
18-Month CD
$0
3.60%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 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%
View
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
IRA Certificate - 18 Month
$250,000
3.35%
View
▼
Rate3.30%
Min Deposit$250,000
Min Balance—
UpdatedApr 5, 2026
Details

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%
View
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
18 Month Certificate
$500
3.25%
View
▼
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Mountain Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
18 Month Certificate
$0
3.20%
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
18 Month Term Certificate
$0
3.15%
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Telco Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.49%
18 Month Certificate
$0
3.04%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Regular Certificates 18 Month
$0
3.00%
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 5, 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%
View
▼
Rate2.72%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
Share Certificates 18 Month
$100,000
1.85%
View
▼
Rate1.83%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details

Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
18-Month CD
$0
1.01%
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
18 Month Choice CD
$0
1.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 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%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Weyco Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.84%
IRA 18-Month Fixed
$0
0.65%
View
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
18-Month Certificate
$0
0.55%
View
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
Elite Jumbo CD 24-month
$250,000
4.10%
View
▼
Rate—
Min Deposit$250,000
Min Balance—
UpdatedApr 5, 2026
Details

Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
24 Month Fixed Rate IRA Certificates
$500
3.91%
View
▼
Rate3.85%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
24 Month Certificate
$250
3.90%
View
▼
Rate3.83%
Min Deposit$250
Min Balance—
UpdatedApr 5, 2026
Details

ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
IRA Share Certificate (24 Month)
$500
3.85%
View
▼
Rate3.78%
Min Deposit$500
Min Balance—
UpdatedApr 5, 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%
View
▼
Rate—
Min Deposit$30,000
Min Balance—
UpdatedApr 5, 2026
Details

Winston Salem Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
24 Month Certificate Savings Plan
$0
3.61%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
IRA Certificates 24-Month
$2,000
3.51%
View
▼
Rate3.45%
Min Deposit$2,000
Min Balance—
UpdatedApr 5, 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%
View
▼
Rate3.44%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
24-Month Share Certificate
$100,000
3.45%
View
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details

$100,000 Minimum to Earn APY

CAROLINA
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
2 Year CD
$0
3.40%
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

($50,000 minimum)

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
IRA Certificate - 2 Year
$250,000
3.35%
View
▼
Rate3.30%
Min Deposit$250,000
Min Balance—
UpdatedApr 5, 2026
Details

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
24 month Share Certificate
$500
3.30%
View
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
24 Month Term Certificate
$0
3.25%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Marine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.48%
24-Month IRA
$500
3.14%
View
▼
Rate3.10%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Mountain Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
24 Month Certificate
$0
3.10%
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

URW Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.37%
2 Year Share Certificates (Share & IRA)
$1,000
3.09%
View
▼
Rate3.05%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

CS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
24-Month IRA Share Certificate
$500
3.05%
View
▼
Rate3.01%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

American Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
24 Month IRA and Share Certificates
$500
3.00%
View
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
24 Month Term Certificate
$500
2.95%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
24-month term Standard CDs
$0
2.60%
View
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Telco Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.49%
24 Month Certificate
$0
2.43%
View
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Live Oak Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.35%
2-Year CD
$0
2.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
Share Certificates 24 Month
$100,000
1.90%
View
▼
Rate1.88%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details

WNC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
2-Year Share Certificate
$0
1.50%
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
CDs and IRAs 2 Year
$0
1.15%
View
▼
Rate1.15%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
24-Month CD
$0
1.01%
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
24 Month Certificate of Deposit
$250
1.00%
View
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 5, 2026
Details

Relationship APY

Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
24-mo. Share Certificate
$1,000
0.85%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
2-Year Certificate
$0
0.65%
View
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
Elite Jumbo CD 36-month
$250,000
4.15%
View
▼
Rate—
Min Deposit$250,000
Min Balance—
UpdatedApr 5, 2026
Details

Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
36 Month Fixed Rate IRA Certificates
$500
4.01%
View
▼
Rate3.95%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
IRA Share Certificate (36 Month)
$500
3.90%
View
▼
Rate3.83%
Min Deposit$500
Min Balance—
UpdatedApr 5, 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%
View
▼
Rate3.75%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
36 Month Certificate
$250
3.70%
View
▼
Rate3.64%
Min Deposit$250
Min Balance—
UpdatedApr 5, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 36-Month Variable
$100,000
3.67%
View
▼
Rate3.61%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details

$100,000 Minimum to Earn APY

Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
IRA Certificates 36-Month
$2,000
3.51%
View
▼
Rate3.45%
Min Deposit$2,000
Min Balance—
UpdatedApr 5, 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%
View
▼
Rate—
Min Deposit$30,000
Min Balance—
UpdatedApr 5, 2026
Details

Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
3-Year Certificate
$0
3.35%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
36 Month Term Certificate
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

American Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
36 Month IRA and Share Certificates
$1,000
3.25%
View
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

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

($1,000 minimum)

Mountain Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
36 Month Certificate
$0
3.05%
View
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
36 month Share Certificate
$500
3.04%
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
36-Month Certificate (Premier Member)
$500
3.00%
View
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
IRA Certificate - 3 Year
$250,000
2.90%
View
▼
Rate2.86%
Min Deposit$250,000
Min Balance—
UpdatedApr 5, 2026
Details

Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
36 Month Term Certificate
$500
2.85%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
36-month term Standard CDs
$0
2.75%
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Regular Certificates 36 Month
$0
2.25%
View
▼
Rate2.22%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
36 Month Bump Up Certificate
$500
2.10%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Bonus rate of 0.10% APY when the owner of this account who will receive the tax statement (the "Tax Reported Owner") is the Tax Reported Owner of an Ultra Checking account with an average monthly balance of at least $1.00.

URW Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.37%
3 Year Share Certificates (Share & IRA)
$1,000
2.06%
View
▼
Rate2.05%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
Share Certificates 3 Year
$100,000
2.05%
View
▼
Rate2.03%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details

Live Oak Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.35%
3-Year CD
$0
2.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
CDs and IRAs 3 Year
$0
1.25%
View
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
36-Month CD
$0
1.10%
View
▼
Rate1.09%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
36-mo. Share Certificate
$1,000
1.05%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
3 Year Certificate of Deposit
$250
1.00%
View
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 5, 2026
Details

Relationship APY

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
3-Year Certificate
$0
0.80%
View
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
48 Month Fixed Rate IRA Certificates
$500
4.11%
View
▼
Rate4.05%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
48 Month Certificate
$250
3.80%
View
▼
Rate3.74%
Min Deposit$250
Min Balance—
UpdatedApr 5, 2026
Details

Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
Elite Jumbo CD 48-month
$250,000
3.75%
View
▼
Rate—
Min Deposit$250,000
Min Balance—
UpdatedApr 5, 2026
Details

American Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
48 Month IRA and Share Certificates
$500
3.50%
View
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Marine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.48%
48-Month IRA
$500
3.40%
View
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Winston Salem Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
48 Month Certificate Savings Plan
$0
3.35%
View
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
48 Month Term Certificate
$0
3.30%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Mountain Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
48 Month Certificate
$0
3.25%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
48-Month Certificate (Premier Member)
$500
3.00%
View
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
IRA Certificate - 4 Year
$0
2.90%
View
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
48 month Share Certificate
$500
2.78%
View
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
48 Month Term Certificate
$500
2.75%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
48-month term Regular CDs
$0
2.64%
View
▼
Rate2.61%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Regular Certificates 48 Month
$0
2.30%
View
▼
Rate2.27%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
Share Certificates 4 Year
$100,000
2.10%
View
▼
Rate2.08%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details

Telco Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.49%
48 Month Certificate
$0
2.02%
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Live Oak Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.35%
4-Year CD
$0
2.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
CDs and IRAs 4 Year
$0
1.35%
View
▼
Rate1.35%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
48-Month CD
$0
1.10%
View
▼
Rate1.09%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
4-Year Certificate
$0
1.00%
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
60 Month Fixed Rate IRA Certificates
$500
4.22%
View
▼
Rate4.15%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
60 Month Certificate
$250
3.80%
View
▼
Rate3.74%
Min Deposit$250
Min Balance—
UpdatedApr 5, 2026
Details

American Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.06%
60 Month IRA and Share Certificates
$500
3.75%
View
▼
Rate3.69%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
IRA Certificates 60-Month
$2,000
3.51%
View
▼
Rate3.45%
Min Deposit$2,000
Min Balance—
UpdatedApr 5, 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%
View
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details

$100,000 Minimum to Earn APY

Marine Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.48%
60-Month IRA
$500
3.45%
View
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
60 Month Term Certificate
$0
3.40%
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
60 Month Certificate
$500
3.30%
View
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Mountain Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
60 Month Certificate
$0
3.25%
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

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

($50,000 minimum)

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
60-month term Standard CDs
$0
3.10%
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.12%
60-Month Certificate (Premier Member)
$500
3.00%
View
▼
Rate2.96%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

Allegacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
IRA Certificate - 5 Year
$250,000
2.90%
View
▼
Rate2.86%
Min Deposit$250,000
Min Balance—
UpdatedApr 5, 2026
Details

REV
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
Regular Certificates 60 Month
$0
2.80%
View
▼
Rate2.76%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Telco Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.49%
IRA 60 Month Certificates
$0
2.33%
View
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Carolina Cooperative Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
60 Month Term Certificate
$500
2.25%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details

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

Live Oak Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.35%
5-Year CD
$0
2.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

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

Atlantic Union Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
CDs and IRAs 5 Year
$0
1.51%
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Piedmont FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
60-Month CD
$0
1.10%
View
▼
Rate1.09%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

TD Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.30%
5 Year Choice CD
$250
1.00%
View
▼
Rate—
Min Deposit$250
Min Balance—
UpdatedApr 5, 2026
Details

Relationship APY

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.

Whitsett, NC CD Rate Trends

Compare local Whitsett, 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
3.232%
▲ 0.406 vs 7 days ago

North Carolina 12-month CD rates rose 0.406 points over the past 7 days to 3.232% APY.

6-Month CD — NC Avg
2.915%
▲ 0.419 vs 7 days ago

North Carolina 6-month CD rates rose 0.419 points over the past 7 days to 2.915% APY.

As of Apr 5, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about CD Rates in Whitsett, North Carolina

Are CD rates in Whitsett, North Carolina FDIC insured?

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

Here are recent top rates found for this area:
  • Fort Financial Federal Credit Union: 4.50% APY (12-Month IRA/ESA Certificate Premier Member)
  • U S POSTAL SERVICE: 4.25% APY (IRA Certificates 1 Year Starter Add-On)
  • Founders Federal Credit Union: 4.22% APY (60 Month Fixed Rate IRA Certificates)
  • Skyla Federal Credit Union: 4.15% APY (Elite Jumbo CD 36-month)
  • ElecTel Cooperative Federal Credit Union: 4.15% APY (IRA Share Certificate (18 Month))
  • COASTAL: 3.90% APY (12 Month Certificate)
  • Lumbee Guaranty Bank: 3.82% APY (Individual Retirement Account (IRA) Certificate of Deposit* 36 Month Fixed Rate IRA)
  • Carolinas Telco Federal Credit Union: 3.82% APY (6 month Share Certificate)
  • Self-Help Federal Credit Union: 3.82% APY (1-Year Certificate)
  • Live Oak Bank: 3.80% APY (1-Year CD)
Rates reflect recent verified offers available in Whitsett, North Carolina. Last Updated: April 5, 2026

CD Calculators

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Methodology & Data Sources

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Whitsett, 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 Whitsett, 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 5, 2026

Whitsett, North Carolina Rates & Resources

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