North Carolina

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Durham, North Carolina CD Rates – 6-Month

You are viewing rates from banks across Durham

 

Below are the best six-month CD Rates from banks with branches in Durham, North Carolina . Six month CDs are considered short-term cds and the yield is comparable to savings and money market rates. You may want to consider opening a 6 month CD if you are concerned about savings rates dropping and don’t mind locking up your money for six months.

Durham, NC - July 6, 2025

6 Month CD National Average : 0.41% ?

Banks APY MIN MILES ?

Rate History: 0.01% → 4.50%

Rate History: 0.75% → 4.25% → 4.00% → 3.75% → 4.00%

| Jun 28, 2021

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

Rate History: 5.10% → 5.20% → 4.50% → 4.00% → 3.80%

| Nov 12, 2018

Helpful w/$ Read More

Rate History: 4.00% → 3.75%

| 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

Rate History: 3.35% → 3.00% → 2.75%

| Nov 17, 2020

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

Rate History: 2.50% → 2.51% → 2.01% → 2.00%

| Feb 6, 2023

after over 100k in transactions through this bank in the course of a year not only did i suffer from fraud but this bank closed my accounts and i have been lliable for all the losses and to top it off with... Read More

0.45%

$10,000

16.24

Learn More

| Mar 5, 2019

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

| 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

| Apr 21, 2020

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

0.20%

$10,000

18.95

Learn More

0.20%

$10,000

23.31

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0.15%

$100,000

22.98

Learn More

| Aug 21, 2019

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

| Dec 30, 2018

Garden14 Read More

0.10%

$10,000

22.98

Learn More

0.10%

$100,000

2.51

Learn More

0.05%

$10,000

20.09

Learn More

0.05%

$10,000

3.65

Learn More

0.05%

$10,000

2.51

Learn More

0.05%

$10,000

14.35

Learn 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

| 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

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 Durham, NC - July 6, 2025


Branch Street City State
Regions Bank
Glenwood Branch
3700 Glenwood Avenue, Suite 100 Raleigh NC
Regions Bank
Glenwood Branch
3700 Glenwood Avenue, Suite 100 Raleigh NC
Atlantic Union Bank
Lake Boone Branch
2235 Gateway Access Point Raleigh NC
Fifth Third Bank, National Association
Cary Branch
7210 Tryon Road Cary NC
Bank of America, National Association
Bank Of America, National Association Branch
113 North Churton Street Hillsborough NC
Woodforest National Bank
0849 Hillsborough Wal-Mart Branch
501 Hampton Pointe Boulevard Hillsborough 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
Wells Fargo Bank, National Association
Timberlyne Branch
101 Banks Drive Chapel Hill NC
North State Bank
West Raleigh Branch
2413 Blue Ridge Road Raleigh NC
Pinnacle Bank
Chapel Hill Southern Village Branch
301 Kildaire Road Chapel Hill NC
Carter Bank & Trust
Roxboro Road Branch
4251 North Roxboro Road Durham NC
First National Bank of Pennsylvania
Hillsborough Branch
237 South Churton Hillsborough NC
FSNB, National Association
Fsnb - Raleigh New Hope Church Walma Branch
1725 New Hope Church Road Raleigh NC
Roxboro Savings Bank, SSB
Roxboro Branch
5420 Durham Road Roxboro NC
First Bank
Pittsboro Branch
18 Chatham Corner Pittsboro NC
KS Bank, Inc.
Garner Branch
920 Seventh Avenue Garner NC
First Horizon Bank
Pittsboro Branch
37 Hillsboro Street Pittsboro NC
First Bank
Pittsboro Branch
18 Chatham Corner Pittsboro NC
Mechanics & Farmers Bank
Chapel Hill Blvd Branch
2705 Chapel Hill Blvd Durham NC
Peoples Bank
Banco De La Gente - Raleigh Branch
3023-105 Capital Boulevard Raleigh NC
The Fidelity Bank
Durham Branch
3016 Shannon Road Durham NC
Mechanics & Farmers Bank
Chapel Hill Blvd Branch
2705 Chapel Hill Blvd Durham NC
TowneBank
Cary Office Branch
5000 Valleystone Dr., Ste110 Cary NC
PNC Bank, National Association
Carrboro Branch
300 Weaver Street Carrboro NC
First-Citizens Bank & Trust Company
Pittsboro Branch
24 Hanks Street Pittsboro NC


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PRODUCT INFORMATION

6 Month Branch Certificates of Deposit 2025

Six month certificates of deposit (CDs) provide depositors with a short term vehicle for keeping money safe and earning interest. With a six month CD, depositors agree to leave their money in the account for six months in return for a fixed rate of interest over this period. While it is possible to withdraw the money earlier (breaking the CD) doing so comes with high interest penalties and is generally not advised.

In general, almost all brick-and-mortar banks provide CDs to their consumers. Opening one involves taking a trip to the branch although some banks allow CDs to be opened via the phone or online. In general, local banks discourage depositors from out-of-state to open accounts, although this is not a hard rule and if you see an attractive rate from a bank in another state, it is worth investigating the account opening policy. Online banks generally offer better rates on six month CDs but the accounts must be opened online. View online bank rates.

The advantages of six month CDs opened via a traditional bank are:

  • Funds deposited in FDIC banks and within insurance limits are protected by the full faith and credit of the United States government.
  • CDs provide a predictable, set rate of return.
  • Depositors can walk into a local branch and open the CD and fund it that day. Question and inquiries can also be handles in-person.

The disadvantages of six month CDs are:

  • Six month CDs currently pay interest rates significantly below many online and branch-based savings and money market accounts.
  • The deposited money is committed for six months.
  • Six month CDs from traditional banks often pay less interest than from online banks.

When interest rates are falling, it is often preferable to lock in high rates for an extended period of time with a longer-term CD. When interest rates are rising, depositors should avoid committing their money for long periods of time. To see interest rate trends, visit the BestCashCow rate analysis page.

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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