North Carolina

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North Carolina CD Rates – 3-Year

You are viewing rates from banks across North Carolina





Below are three-year CD Rates from banks in North Carolina. Three-years is an intermediate term for CDs and as the term increases the yield will generally go up as well. Three year CDs are a popular component of many CD ladders and usually offer a good tradeoff between yield and how long you must keep the money locked in.

NC - August 2, 2025

3 Year CD National Average : 0.75% ?

Banks APY MIN MILES ?

Early Withdrawal Penalty is 365 days interest.
Rate History: 4.10% → 4.15% → 4.10% → 4.00% → 4.15%

| Dec 18, 2023

I submitted a CD application 18 months 5.50 APY over a week ago and my application was declined no reason was given, I have the funds in another bank for transfer, credit score over 800. I think the reason... Read More

Early Withdrawal Penalty is 90 days interest.
Rate History: 4.25% → 4.00% → 3.75% → 4.00% → 4.15%

| May 6, 2023

Fully functional bank account that would be great for my needs, but the quarterly interest payment thing is a real nuisance. I wish they would change it. It isn't market. Read More

Rate History: 4.15% → 4.00% → 3.90% → 3.75% → 4.00%

| Oct 23, 2023

Synchrony Bank recently closed 3 of my accounts with them and this decision was completely unwarranted. I had two Guitar Center cards and one Levin Furniture card. I found out about this through a push not... Read More

Rate History: 3.56% → 4.16% → 4.00%

| Mar 21, 2023

Parent seems to be owned by a large Chilean bank. Not saying this is good or bad, but it is complication, especially in the current environment. Read More

Early withdrawal penalty is 180 days interest.

| Jul 4, 2025

Bread's current 6-month CD is 4.45%, not 4.35%. Read More

Early Withdrawal Penalty is 360 days interest.
Rate History: 4.35% → 4.35% → 4.19% → 3.77% → 3.97%

| Jan 30, 2024

Have an IRA rollover, they don't take IRAs any longer. Read More

Early Withdrawal penalty is 6 Months' interest.
Rate History: 4.50% → 4.40% → 4.15% → 4.00% → 3.95%

| Jul 1, 2022

not really an onllne bank. compare this interface that gives you no information with that of any other bank (I cannot even confirm the rate). cannot switch in and out of cds or np cds. just not an online b... Read More

Warning: Early Withdrawal Penalty is 2% of the account balance.
Rate History: 4.10% → 4.30% → 4.10% → 4.00% → 3.95%

| Jul 3, 2023

A 2% early withdrawal fee on a 1-year CD is almost equally insane as a 270 day one. Read More

Rate History: 3.00% → 4.45%

| Jul 1, 2022

Very easy opening process and wonderful staff. Read More

Rate History: 3.90% → 3.60% → 3.65% → 4.00% → 3.90%

| Feb 15, 2024

best bank on the list but no longer the most competitive Read More

Early Withdrawal Penalty is 180 days interest.
Rate History: 4.35% → 4.00% → 3.60% → 3.91% → 3.80%

| Mar 19, 2022

Problem with ties to puppy mills. I closed a cct. https://www.americanbanker.com/news/tab-bank-dragged-into-seedy-world-of-puppy-mill-loans-by-fintech-partner Read More

Warning: Early Withdrawal Penalty is 2% of principal.

| Dec 22, 2018

I know VirtualBank has monitored these comments in the past and answered here. This is important because they do not respond to questions submitted through the website. I am trying to find out the pena... Read More

Early Withdrawal Penalty is 180 days interest.
Rate History: 4.25% → 4.15% → 4.00% → 3.95% → 3.75%

| Jun 26, 2020

Rate not current Read More

Rate History: 3.65% → 3.85% → 3.75% → 3.65% → 3.75%

| Sep 30, 2023

CFG overs very competitive Interest rates on their High Yield Savings account. I did everything ONLINE and have not had any issues with their service. Read More

Rate History: 3.00% → 3.60%

| Aug 31, 2022

never had a problem moving money in/out. After trying a couple banks with higher rates but less service will be moving my money back here. Read More

Rate History: 5.10% → 0.55% → 2.50% → 4.00% → 3.60%

| Dec 27, 2022

They gave a hard time with their cashier's check. They returned my deposited check that was emitted by them. Could you believe? Read More

Early withdrawal penalty is one-fourth the amount of interest that would have been earned had CD been held to maturity.
Rate History: 4.20% → 4.10% → 3.75% → 3.45% → 3.50%

| Mar 20, 2025

A non-customer-friendly organization that just switches between two contaminated brands trying to bring back some sort of goodwill that it had before it started selling fake foreign currency CDs in 2006 an... Read More

Rate History: 4.10% → 4.00% → 3.75% → 3.60% → 3.50%

| Jan 10, 2024

AVOID at all costs. We read the addendum to the final page of the LENGTHY account agreement mailed to us after completing the online portion. Guess what? It gives this sweet seeming Discover Bank access to... Read More

Rate History: 4.00% → 3.60% → 3.50% → 3.40% → 3.50%

| Aug 13, 2023

Been a customer for a couple of years now with interesting checking, been a happy customer. They give you a $10 reimbursement on atm fees per statement cycle. They pay you to leave your money there curre... Read More

Early Withdrawal Penalty is 6 months interest.
Rate History: 4.10% → 4.00% → 3.75% → 3.60% → 3.50%

| Mar 15, 2023

Thank you for the reviews above. I was wondering why I was only getting 0.3% when interest rates have gone up. Why CapitalOne360 is putting loyal and long time customers at a disadvantage is beyond me. ... Read More

Early Withdrawal Penalty is 180 days interest.
Rate History: 4.30% → 4.00% → 3.50%

| Nov 12, 2022

I was shopping for deposit rates in August, and NerdWallet, a site I had previously trusted, had it on their list. I was unaware they took deposits. They are the only bank that ever duplicated a transactio... Read More

Rate History: 2.75% → 2.75% → 3.50%

| Dec 21, 2023

Very easy to setup 6 month 5.35% CD from cornerstone account Read More

Rate History: 4.10% → 4.00% → 3.75% → 3.60% → 3.50%

| Jan 2, 2024

Like others, I've been with Capital One and its predecessor ING Direct since 2007. I've also been getting cheap bank rates on my savings account and didn't realize that there was something better, although... Read More

Rate History: 4.00% → 3.75% → 3.50%

| Jul 6, 2023

This is an example of a bad bank. Their online process for purchasing a CD is horrible. You fill it out and it rejects it after all of your private information is disclosed. They there customer service is ... Read More

Rate History: 4.00% → 4.15% → 4.00% → 3.60% → 3.40%

| Aug 2, 2023

Sallie mae is just a horrible institution. We've done business with them before and swore on the holy bible not to go near there again, but a 18 mos cd at 5.55% brought us back. Read More

Rate History: 3.10% → 3.40%

| Oct 11, 2020

You probably thought - as did I - that you were looking at a site that belongs to and was the responsibility of Gateway First. After all it includes their headings, selected financial statements, many pag... Read More

3.36%

$1,000

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| Nov 12, 2023

Finworth looks legit, but their online disclosures and incomplete and you cannot reach them by phone and they don't respond to inquiries. I am moving along and you should too. Read More

Rate History: 3.55% → 3.30%

Rate History: 3.25% → 3.60% → 3.25%

| Jul 26, 2024

Multiple roadblocks trying to set up a savings account with Ivy Bank and my application was ultimately declined, in spite of my multiple CDs among three banks, stock investments, eleven credit cards, and c... Read More

Rate History: 4.00% → 4.10% → 4.00% → 3.25%

| Mar 25, 2020

I was told on the phone by a bank rep that my present money market acct interest rate would continue at 2.25% until June 30, 2020 and would be FDIC covered up to $250,000. Please verify if this is true???... Read More

Rate History: 3.10% → 2.85% → 3.50% → 3.25%

| Mar 20, 2016

Good solid bank. Read More

| Jan 28, 2025

4.75% is an introductory rate and they are not openly clear about that. Don't expect 4.75% to continue. They are otherwise competitive. Read More

Rate History: 0.15% → 4.50% → 4.35% → 3.50% → 3.00%

| Apr 18, 2018

Worst experience of my life. Did not fund and gave $25 to my own charity. Read More

Early Withdrawal Penalty is 180 days interest.
Rate History: 4.30% → 3.50% → 4.00% → 3.50% → 3.00%

| May 2, 2022

Barclays is the worst. Transfer speeds even worse than Synchrony now. Service is worse than anything. Save yourself the trouble of getting sucked into rates that are sometimes competitive and choose anythi... Read More

Early Withdrawal Penalty is 18 months interest.
Rate History: 3.50% → 3.00% → 2.60% → 3.00%

| Nov 18, 2023

bad bank hold your deposit over months without credit in your account, no interest, they don’t want pay you interest , they want your money with 0% interest. Read More

Early Withdrawal Penalty is 180 days interest.
Rate History: 4.00% → 3.90% → 3.80% → 3.50% → 2.75%

| Jun 10, 2024

I guess customer service is in the US (not sure). I'd rather that someone in the Philippines answered though. These people are so poorly trained and ill informed that I do not trust them with my personal... Read More

Early Withdrawal Penalty is 180 days interest.
Rate History: 4.35% → 2.70%

| Aug 26, 2022

Too slow to raise rates. Read More

Rate History: 1.00% → 2.75% → 2.65%

| May 26, 2017

Before009 Read More

Early Withdrawal Penalty in 180 days interest.
Rate History: 5.00% → 3.50% → 3.00% → 2.50%

| Jun 13, 2023

I'll steer clear of Dollar Savings Direct and My Savings Direct until they guarantee users at both online divisions their best rates. Banks have the right to segment their customers yes, but these games w... Read More

Early Withdrawal Penalty in 180 days interest.
Rate History: 5.00% → 4.00% → 3.00% → 2.25%

| Apr 25, 2023

with all of these online bank, including the well known ones, delaying transfers forever in order to fund these high rates, this one still executes inbound and outbound transfers immediately. Read More

| Dec 8, 2020

Everyone here in Boston raves about Salem Five but it is shithole operation filled with nasty entitled people. As for this online savings product, the fees are ridiculous, the transfer charges are obnoxiou... Read More

Rate History: 2.00% → 5.10% → 3.00% → 5.10% → 2.00%

| Dec 6, 2022

Customer service — unreliable, different CS person gets a different answer. LOB readily accepts your incoming funds, out going of funds the bank puts up a barrage of road blocks. A wire out, a letter FR... Read More

| Feb 25, 2022

I joined Citi with a Costco-VISA card. An Accelerate followed, and then a checking account. Costco-VISA is necessary for using a credit card at Costco, otherwise cash is necessary. Accelerate Savings w... Read More

Rate History: 1.98% → 2.00%

| Apr 30, 2019

No issues. I feel confident using them. Read More

Rate History: 3.00% → 2.50% → 2.00%

| Jan 2, 2023

Terrible customer service by investment side. Fees too high , too full of themselves Read More

| Apr 12, 2019

United Bank in Front Royal does not know how to set up an inherited IRA. It took over two months to transfer it from Merrill Edge. Several mistakes were made. And then they did not title it correctly. T... Read More

Rate History: 2.75% → 2.55% → 1.55%

| Nov 28, 2022

While USAA was at one point a great option for all your banking needs, the service has deteriorated so much that I'm currently in the process of changing banks after more than 2 decades. The final straw w... Read More

Rate History: 1.00% → 1.40% → 2.25% → 1.40%

| Nov 17, 2020

Is notarie services available today at a woodforest on wilkinson blvd Read More

Rate History: 2.75% → 2.55% → 1.30%

| Feb 24, 2020

I had been with USAA for 20 years. Had my checking, savings, auto and renters insurance and 2 credit cards with them. I work in the service industry and make a good portion of my income in cash tips. For 4... Read More

| Jun 28, 2021

They bait and switch. Advertise cds at .40 but offer only .04 when in the office. Sharp business practice. Read More

1.20%

$10,000

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1.06%

$100,000

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1.06%

$100,000

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1.01%

$10,000

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0.96%

$10,000

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0.95%

$10,000

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0.95%

$10,000

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| Jul 17, 2021

I've been with this bank for 6 months and have not had any problems. Bill pay works good. The 24 month investing CD is another vechile I use. Rates are above average considering the national rate. I'd reco... Read More

0.85%

$1,000

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0.77%

$10,000

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0.76%

$10,000

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0.70%

$10,000

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0.70%

$10,000

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0.65%

$10,000

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0.60%

$10,000

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| Apr 21, 2020

Your information is very inaccurate. Interest rates are a fraction of 1%. Call the bank yourself. Read More

0.55%

$500

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0.55%

$1,000

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0.53%

$100,000

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0.50%

$100,000

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0.50%

$10,000

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| Mar 5, 2019

Pinnacle has not had a 3% CD since Oct of 2018. Read More

| Jul 20, 2020

This bank is very bad. I am posting my story here now, hoping to make a reference for those friends who want to become their customers. I was very excited when I saw Blue Ridge Bank, N.A. on Google beca... Read More

0.50%

$10,000

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0.48%

$10,000

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0.45%

$10,000

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| Aug 5, 2020

How Willian Investments Company Brought Happiness To My Home. Hello Everyone out there! My name is Tom Brandy, from USA, I am using this medium to announce to the general public on how Willian Investmen... Read More

0.45%

$10,000

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| Aug 21, 2019

Dear Sirs: What do the initials KS stand for? A name? Or something else? Thank you, Jim Holmes Read More

| Jun 2, 2022

I've been a customer since CIT emerged from the financial crisis as a real competitor in this space (14 years or so). Zero complaints about anything over this time ... until today. Now they are offering a... Read More

0.40%

$1,000

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0.40%

$1,000

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0.40%

$10,000

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0.30%

$500

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0.30%

$10,000

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0.30%

$10,000

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0.30%

$10,000

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| Jun 10, 2022

This bank hasn't raised their rates! Maybe I was sleeping but I need to get out of here fast. Read More

Rate History: 2.75% → 0.25%

| Aug 13, 2019

I filled out the application 10 days ago answering all questions and sent a file with a copy of my drivers license to Western Bank. I received an email saying that a banker would call me within one busines... Read More

| Mar 28, 2022

Vaporware. Was approved to open an account. I logged in on several different browsers with differing rendering codes--each time got nothing but 3 circles running left to right for up to a half hour when I ... Read More

0.20%

$10,000

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0.20%

$10,000

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| May 30, 2022

I HAVE TO AGREE WITH THE OTHER REVIEWERS. THIS BANK HAS THE WORST CUSTOMER SERVICE OF ALL TIME. I HAD NO CHOICE BUT TO GO HERE... IF THERE'S ANY WAY YOU CAN AVOID, IT IS HIGHLY RECOMMENDED. LET ME GIVE ... Read More

0.19%

$10,000

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0.15%

$10,000

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Rate History: 3.51% → 1.00% → 3.51% → 1.00% → 0.15%

| May 19, 2018

Experience Read More

| Jun 12, 2023

US Bank reported me to dult Protective Services because my husband is 85 and I am63. He got sick and went into a nursing hime for 3 months. My husband always handled the financial affairs. I had to take ov... Read More

| Dec 30, 2018

Garden14 Read More

Rate History: 0.03% → 0.05%

| Feb 25, 2023

I have been working for this company more than 5 years. I would not recommend any investment with First Citizens Bank. They are the worst performer on the market based on the customer and employee reviews... Read More

Rate History: 0.02% → 0.05%

| Mar 28, 2023

On line banking gives a confirmation number when paying bills. But it doesn’t confirm that the bill will be paid only that they have the information. Ridiculous. Read More

| May 18, 2019

Had checking and savings for years when living in Philly. Went into PNC 2.35 APY high yield savings. They have thus far maintained rate. Easy web site and great customer phone service. Still maintain check... Read More

| Jul 24, 2023

BOFA is a den of people thieves camouflaged as bank operatives. There’s a soon to be uncovered carrel of money laundry there. They took all my money and don’t want to release it to me for no particular... Read More

| Nov 12, 2018

Helpful w/$ Read More

All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

Branches Info around zip 10007


Branch Street City State
Finworth, a division of InsBank
Concord Branch
660 Penny Lane, Ne Concord NC
Benchmark Community Bank
Wake Forest Lpo Branch
12335 Wake Union Church Road Wake Forest NC
Benchmark Community Bank
Wake Forest Lpo Branch
12335 Wake Union Church Road Wake Forest NC
Live Oak Banking Company
Live Oak Banking Company Branch
1757 Tiburon Drive Wilmington NC
Woodforest National Bank
0859 Lenoir North Carolina Walmart B Branch
935 Blowing Rock Blvd Lenoir NC
Atlantic Union Bank
Southern Shores Branch
5406 N Croatan Highway Kitty Hawk NC
BlueHarbor Bank
Blueharbor Bank Branch
106 Corporate Park Drive Mooresville NC
Peoples Bank
Cornelius Branch
9624 Bailey Road Cornelius NC
Tarboro Savings Bank, SSB
Tarboro Savings Bank, Ssb Branch
501 Main Street Tarboro NC
North State Bank
Garner Village Shopping Ctr. Branch
835 Highway 70 West Garner NC
Tarboro Savings Bank, SSB
Tarboro Savings Bank, Ssb Branch
501 Main Street Tarboro NC
Dogwood State Bank
Sound Bank Branch
5039 Executive Drive Morehead City NC
Roxboro Savings Bank, SSB
Roxboro Branch
5420 Durham Road Roxboro NC
New Republic Bank
New Republic Savings Bank Branch
420 Becker Drive Roanoke Rapids NC
Bank of Tennessee
Banner Elk Branch
3828 Highway 105 Banner Elk NC
Jackson Savings Bank, SSB
Jackson Savings Bank, Ssb Branch
741 West Main Street Sylva NC
First Federal Savings Bank of Lincolnton
First Federal Savings Bank Of Lincol Branch
320 E Main St Lincolnton NC
HomeTrust Bank
Queens Road Branch
100 Queens Road Charlotte NC
Piedmont Federal Savings Bank
Hanes Mill Branch
5189 Northern Quarters Drive Winston Salem NC
First National Bank of Pennsylvania
Green Valley Branch
701 Green Valley Road Greensboro NC
LifeStore Bank
Jefferson Branch
840 East Main Street Jefferson NC
SKYLINE NATIONAL BANK
Sparta Branch
98 S Grayson St Sparta NC
First Bank
High Point Branch
4010 Brian Jordan Place High Point NC
Black Mountain Savings Bank, SSB
Black Mountain Savings Bank, Ssb Branch
200 E State Street Black Mountain NC
Pinnacle Bank
Chapel Hill Southern Village Branch
301 Kildaire Road Chapel Hill NC
Lumbee Guaranty Bank
University Plaza Branch
915 W. Third Street Pembroke NC
First Bank
High Point Branch
4010 Brian Jordan Place High Point NC
Carter Bank & Trust
Washington Street Office Branch
900 Washington Street Eden NC
Morganton Savings Bank, S.S.B.
Morganton Savings Bank, S.S.b. Branch
100 South King Street Morganton NC
KS Bank, Inc.
Garner Branch
920 Seventh Avenue Garner NC
TruPoint Bank
Asheville Branch
116 Executive Park Asheville NC
Nantahala Bank & Trust Company
Nantahala Bank & Trust Company Branch
120 Siler Road Franklin NC
First Federal Bank
Erwin Branch
540 East Jackson Boulevard Erwin NC
Peoples Bank
Cornelius Branch
9624 Bailey Road Cornelius NC
First Carolina Bank
Reidsville Branch
604 South Scales Street Reidsville NC
Mechanics & Farmers Bank
Winston-Salem Branch
770 M.L. King Blvd. Winston Salem NC
Southern Bank and Trust Company
Manteo Branch
704 Us 64 Manteo NC
TowneBank
Paragon Commerical Bank - Charlotte Branch
6337 Morrison Boulevard Charlotte NC
First Community Bank
Taylorsville Branch
92 North Center Street Taylorsville NC
The Fidelity Bank
Garner Branch
919 Us Highway 70 W Garner NC
TD Bank, National Association
Tryon Branch
936 South Trade Street Tryon NC
First Horizon Bank
Morrisville Branch
9632 Chapel Hill Road Morrisville NC
Regions Bank
Raleigh Northpark Branch
4900 Falls Of Neuse Road, Suite 100 Raleigh NC
First-Citizens Bank & Trust Company
Shelby Branch
800 South Lafayette Street Shelby NC
PNC Bank, National Association
Hampstead Branch
14615 Us 17 North Hampstead NC
Bank of America, National Association
Highlands Branch
Pine And Fourth Streets Highlands NC
Regions Bank
Raleigh Northpark Branch
4900 Falls Of Neuse Road, Suite 100 Raleigh NC
Fifth Third Bank, National Association
Port Village Branch
498 River Highway Mooresville NC


BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

PRODUCT INFORMATION

Three Year CDs - Branch Banks 2025

A three year CD is an intermediate CD, sandwiched between the popular one and five year CD terms. Three year CD generally offer between .30 and .60 percentage points more than a 1 year CD. Currently, their average yield is comparable to the average yield of an online savings account Online savings accounts allow consumers to withdraw money at any time so consumers should consider whether they want to lock their money into a CD when there is little premium versus an online account.

The top 3 year CD rates, as listed on the rate table above, are significantly higher than online or offline savings account rates.

Another factor to consider when opening a 3 year CD is the rate environment. If interest rates are rising, it may not be advisable to lock money away for three years when rates will soon be higher. If rates are falling, and may do so for some time (as they did from 2008 through 2013), then it may make sense to open a 3, 4 or 5 year CD to lock into a higher rate before it drops. To get a sense of where rates might go, check out the BestCashCow rate analysis page.

While conventional wisdom holds that online banks always offer higher rates than branch-based banks, an analysis conducted by BestCashCow in 2012 showed that with longer term CDs (3 years or longer), small community based banks and credit unions can often be just as competitive or not more so. If you prefer to bank in person, then it is possible to get branch service and a high CD rate if you shop around a bit. The tables at the top of this page can provide you the best rates in your area.

All banks listed on BestCashCow are FDIC insured; BestCashCow.com strongly recommends that you stay within FDIC insurance limits and that if you are unsure of how the limits affect you, please visit the FDIC website.

To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.

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