Best Credit Union 6 Month CD Rates in Mint Hill, North Carolina, NC

You are viewing rates from credit unions across Mint Hill

Below are the best six month CD Rates from credit unions in Mint Hill, 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.

Mint Hill, NC - August 2, 2025

6 Month CD National Average : 0.41% ^?

Credit Unions	APY	MIN	MILES ^?
Skyla Central Branch Restrictions	4.40% 3.40%	$500 $50,000	-	Learn More Add Review
Rate History: 4.85% → 5.10% → 4.85% → 4.40%
Coastal Administrative Headquarters Branch Restrictions	4.25%	$250	-	Learn More Add Review
Rate History: 5.50% → 4.25%
Corning Wilmington Branch Restrictions	4.10% 3.90%	$100,000 $1,000	-	Learn More Add Review
Rate History: 3.20% → 3.70% → 4.10%
Latino Community Central Services Branch Restrictions	4.00% 3.95% 3.90%	$200,000 $100,000 $500	-	Learn More Add Review
Rate History: 4.90% → 5.85% → 5.50% → 5.10% → 4.00%
State Employees' Ahoskie Branch Restrictions	3.90%	$250	-	Learn More Add Review
Rate History: 4.50% → 4.40% → 4.25% → 3.90%
Fort Liberty Hefner Branch Restrictions	3.75%	$500	-	Learn More Add Review
Rate History: 5.15% → 4.75% → 4.50% → 4.40% → 3.75%
Weyco Community Main Office Branch Restrictions	3.56%	$500	-	Learn More Add Review
Rate History: 4.90% → 5.00% → 5.12% → 4.59% → 3.56%
Allegacy Westbrook Branch Restrictions	3.55%	$500	-	Learn More Add Review
Rate History: 3.55% → 2.85% → 3.15% → 2.90% → 3.55%
Champion Champion Cu - Canton Branch Restrictions	3.50%	$1,000	-	Learn More Add Review
Rate History: 3.50% → 4.00% → 3.50%
Corporate America Family High Point Branch Restrictions	3.30% 3.25%	$10,000 $1,000	-	Learn More Add Review
Truliant Clemmons Branch Restrictions	3.00% 2.95% 2.90% 2.84%	$100,000 $25,000 $5,000 $250	-	Learn More Add Review
Rate History: 1.21% → 3.00% → 3.00%
Pentagon Pope Army Airfield Branch Restrictions	2.90%	$1,000	-	Learn More
Rate History: 3.00% → 2.90%
Rob \| Dec 25, 2023 I joined in PENFED in Spring Of 2023 after 15 yrs of belonging to one of the banking giants. I found my accounts dwindling fast unexplained decreases. I decided to close the account but had to return a mer... Read More Reviews (15)
Department of Commerce Restrictions	2.23%	$500	-	Learn More
Rate History: 4.87% → 4.35% → 4.08% → 3.40% → 2.23%
member \| Dec 14, 2022 Agree with Jaben to stay away from docfcu. They don't appreciate loyal members and easily turn down any requests after a delayed response. I have closed my accounts and moved my funds to better institutio... Read More Reviews (2)
First Flight Cary Corporate Headquarters Branch Restrictions	2.02% 1.92%	$10,000 $500	-	Learn More Add Review
Baxter North Cove Branch Restrictions	1.60%	$500	-	Learn More Add Review
Rate History: 2.10% → 1.85% → 1.75% → 4.25% → 1.60%
United Statesville - Branch 21 Restrictions	1.35%	$500	-	Learn More Add Review
Charlotte Fire Department Corporateoffice Branch Restrictions	0.75%	$100,000	-	Learn More Add Review
Bragg Mutual Main Office Branch Restrictions	0.75%	$10,000	-	Learn More
MissyDorman \| Oct 20, 2019 What ATM machines will except cash Deposits for this bank Read More Reviews (1)
Marine Corporate Headquarters Branch Restrictions	0.75%	$10,000	-	Learn More
Dev1ldog \| Mar 12, 2023 Is this credit union still open? If it is it’s not relevant to the military in general. I dropped this credit union for poor customer service, and poor loan and dividend rates. Just compare their rates... Read More Reviews (1)
Abnb Moyock Branch Restrictions	0.70%	$100,000	-	Learn More Add Review
Carolina Carolina Federal Credit Union Branch Restrictions	0.65%	$10,000	-	Learn More Add Review
Abnb Moyock Branch Restrictions	0.65%	$10,000	-	Learn More Add Review
Telco Tarboro Branch	0.60%	$1,000	-	Learn More Add Review
Summit Summit Credit Union Branch Restrictions	0.60%	$10,000	-	Learn More Add Review
Local Government Corporate Office Branch Restrictions	0.60%	$10,000	-	Learn More Add Review
Greensboro Municipal Greene St Branch Restrictions	0.55%	$50,000	-	Learn More Add Review
Premier Main Office Branch Restrictions	0.55%	$100,000	-	Learn More Add Review
Greensboro Municipal Greene St Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
Telco Community Credit Union Adminstration Office Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
Premier Main Office Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
Carolinas Telco Sharon Road West Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
Carolina Cooperative Main Office Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
Proponent Branch 03 Restrictions	0.50%	$100,000	-	Learn More Add Review
Charlotte Fire Department Corporateoffice Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
Excite Glen Meade Branch Restrictions	0.50%	$10,000	-	Learn More Add Review
Proponent Branch 03 Restrictions	0.45%	$10,000	-	Learn More Add Review
Atlanta Postal Asheville Branch Restrictions	0.40%	$500	-	Learn More Add Review
Nova Carolina Postal Credit Union Branch Restrictions	0.40%	$100,000	-	Learn More Add Review
Acclaim Banking St Branch	0.40%	$100,000	-	Learn More Add Review
Members Heritage Zebulon Branch Restrictions	0.40%	$10,000	-	Learn More Add Review
Mcdowell Cornerstone Main Branch Restrictions	0.35%	$10,000	-	Learn More Add Review
Mountain Mountain Credit Union Branch Restrictions	0.35%	$10,000	-	Learn More Add Review
Nova Carolina Postal Credit Union Branch Restrictions	0.35%	$10,000	-	Learn More Add Review
Centra Whitakers, Nc Branch Restrictions	0.35%	$100,000	-	Learn More
Jason crook \| Mar 14, 2020 One thing I hate about Centra Credit f***** Union they have no customer service help at all whatsoever. After hours that sucks ass Read More* Reviews (1)
Members Members Credit Union - Main Branch Restrictions	0.30%	$10,000	-	Learn More Add Review
Piedmont Advantage Credit Union University Branch Restrictions	0.30%	$100,000	-	Learn More
Bortyfred \| Dec 15, 2020 They told me that they would cut me a cashiers check for $4800 from my checking. I arrived there and new story only $500 can withdrawal. They are history as I am closing my account Read More Reviews (1)
Lion's Share Headquarters Branch Restrictions	0.30%	$500	-	Learn More
Bethany Williams \| Oct 23, 2021 Excellent customer service from start to finish. I enjoyed working with Melinda Dillon, she goes above and beyond. Read More Reviews (1)
Winston-salem Main Branch Restrictions	0.30%	$10,000	-	Learn More Add Review
Acclaim Banking St Branch	0.30%	$10,000	-	Learn More Add Review
Vision Financial Main Office Branch Restrictions	0.30%	$100,000	-	Learn More Add Review
Centra Whitakers, Nc Branch Restrictions	0.30%	$10,000	-	Learn More
Jason crook \| Mar 14, 2020 One thing I hate about Centra Credit f***** Union they have no customer service help at all whatsoever. After hours that sucks ass Read More* Reviews (1)
Piedmont Advantage Credit Union University Branch Restrictions	0.25%	$10,000	-	Learn More
Bortyfred \| Dec 15, 2020 They told me that they would cut me a cashiers check for $4800 from my checking. I arrived there and new story only $500 can withdrawal. They are history as I am closing my account Read More Reviews (1)
Healthshare Moses H Cone Memorial Hospital - Main Office Branch Restrictions	0.20%	$10,000	-	Learn More Add Review
Vision Financial Main Office Branch Restrictions	0.20%	$10,000	-	Learn More Add Review
Self-help Headquarters Branch Restrictions	0.15%	$500	-	Learn More
Asheville Saver \| Dec 30, 2018 Best financial institution in NC. Highest rates on savings and is involved with helping their customers and the communities they operate in. Read More Reviews (1)
General Electric Employees Raleigh Branch Restrictions	0.15%	$10,000	-	Learn More Add Review
Fort Financial Fort Financial Credit Union Branch Restrictions	0.10%	$10,000	-	Learn More Add Review
Duke University Main Office Branch Restrictions	0.10%	$10,000	-	Learn More Add Review
R T P Cary Branch Restrictions	0.05%	$10,000	-	Learn More Add Review
Edu Restrictions	0.01%	$500	-	Learn More Add Review

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
SKYLA Central Central Branch	718 Central Ave	Charlotte	NC
COASTAL Administrative Headquarters Administrative Headquarters Branch	1000 Saint Albans Dr	Raleigh	NC
CORNING Wilmington Branch Wilmington Branch	125 Racine Dr	Wilmington	NC
LATINO COMMUNITY Central Services Central Services Branch	100 W Morgan St	Durham	NC
LATINO COMMUNITY Central Services Central Services Branch	100 W Morgan St	Durham	NC
LATINO COMMUNITY Central Services Central Services Branch	100 W Morgan St	Durham	NC
CORNING Wilmington Branch Wilmington Branch	125 Racine Dr	Wilmington	NC
STATE EMPLOYEES' Ahoskie Ahoskie Branch	1125 ACADEMY ST N	AHOSKIE	NC
FORT LIBERTY Hefner Branch Hefner Branch	4172 Hefner Dr	Fort Bragg	NC
WEYCO COMMUNITY Main Office Main Office Branch	316 NC Hwy 149 N	Plymouth	NC
ALLEGACY Westbrook Westbrook Branch	1691 Westbrook Plaza Dr	Winston Salem	NC
CHAMPION Champion Cu - Canton Champion Cu - Canton Branch	1 Academy ST	Canton	NC
SKYLA Central Central Branch	718 Central Ave	Charlotte	NC
CORPORATE AMERICA FAMILY High Point High Point Branch	5870 Samet Dr Ste 113	High Point	NC
CORPORATE AMERICA FAMILY High Point High Point Branch	5870 Samet Dr Ste 113	High Point	NC
TRULIANT Clemmons Clemmons Branch	4100 Clemmons Rd	CLEMMONS	NC
TRULIANT Clemmons Clemmons Branch	4100 Clemmons Rd	CLEMMONS	NC
TRULIANT Clemmons Clemmons Branch	4100 Clemmons Rd	CLEMMONS	NC
PENTAGON Pope Army Airfield Pope Army Airfield Branch	803 Armistead St	pope army airfield	NC
TRULIANT Clemmons Clemmons Branch	4100 Clemmons Rd	CLEMMONS	NC
FIRST FLIGHT Cary Corporate Headquarters Cary Corporate Headquarters Branch	1815 Kildaire Farm Rd	Cary	NC
FIRST FLIGHT Cary Corporate Headquarters Cary Corporate Headquarters Branch	1815 Kildaire Farm Rd	Cary	NC
BAXTER North Cove North Cove Branch	67 Pitts Station Rd	Marion	NC
UNITED Statesville - Branch 21 Statesville - Branch 21	209 Turnersburg Hwy	Statesville	NC
CHARLOTTE FIRE DEPARTMENT Corporateoffice Corporateoffice Branch	2100 Commonwealth Ave	Charlotte	NC
BRAGG MUTUAL Main Office Main Office Branch	2917 Village Dr	Fayetteville	NC
MARINE Corporate Headquarters Branch Corporate Headquarters Branch	4180 Western Blvd	Jacksonville	NC
ABNB Moyock Moyock Branch	562 Caratoke Hwy	Moyock	NC
CAROLINA Carolina Federal Credit Union Carolina Federal Credit Union Branch	1200 E Church St	Cherryville	NC
ABNB Moyock Moyock Branch	562 Caratoke Hwy	Moyock	NC
TELCO Tarboro Branch Tarboro Branch	1720 Barlow Rd	Tarboro	NC
SUMMIT Summit Credit Union Summit Credit Union Branch	8210 W Market St	Greensboro	NC
LOCAL GOVERNMENT Corporate Office Corporate Office Branch	323 W Jones St Ste 600	Raleigh	NC
REVITY Greene St Greene St Branch	217 N Greene St	Greensboro	NC
PREMIER Main Office Main Office Branch	1400 Yanceyville St	Greensboro	NC
REVITY Greene St Greene St Branch	217 N Greene St	Greensboro	NC
TELCO COMMUNITY CREDIT UNION Adminstration Office Adminstration Office Branch	712 New Leicester Hwy	Asheville	NC
PREMIER Main Office Main Office Branch	1400 Yanceyville St	Greensboro	NC
CAROLINAS TELCO Sharon Road West Sharon Road West Branch	2600 Sharon Rd W	Charlotte	NC
CAROLINA COOPERATIVE Main Office Main Office Branch	6502 McMahan Dr	Charlotte	NC
PROPONENT Branch 03 Branch 03	358 S Main St	Burlington	NC
CHARLOTTE FIRE DEPARTMENT Corporateoffice Corporateoffice Branch	2100 Commonwealth Ave	Charlotte	NC
EXCITE Glen Meade Glen Meade Branch	2465 S 17th St	Wilmington	NC
PROPONENT Branch 03 Branch 03	358 S Main St	Burlington	NC
ATLANTA POSTAL Asheville Branch Asheville Branch	591 Brevard Rd	Asheville	NC
NOVA Carolina Postal Credit Union Carolina Postal Credit Union Branch	3601 Mulberry Church Rd	Charlotte	NC
ACCLAIM Banking St Banking St Branch	1823 Banking St	Greensboro	NC
MEMBERS HERITAGE Zebulon Branch Zebulon Branch	125 E Gannon Ave	Zebulon	NC
MCDOWELL CORNERSTONE Main Main Branch	2031 RUTHERFORD RD	MARION	NC
MOUNTAIN Mountain Credit Union Mountain Credit Union Branch	38 Maple St	Waynesville	NC
NOVA Carolina Postal Credit Union Carolina Postal Credit Union Branch	3601 Mulberry Church Rd	Charlotte	NC
CENTRA Whitakers, Nc Whitakers, Nc Branch	9377 N US Highway 301	Whitakers	NC
MEMBERS Members Credit Union - Main Members Credit Union - Main Branch	2098 Frontis Plaza Blvd Ste A	Winston Salem	NC
PIEDMONT ADVANTAGE CREDIT UNION University University Branch	4997 Home Rd	Winston Salem	NC
LION'S SHARE Headquarters Headquarters Branch	850 Harrison Rd	Salisbury	NC
WINSTON-SALEM Main Branch Main Branch	711 E SALEM AVE	WINSTON SALEM	NC
ACCLAIM Banking St Banking St Branch	1823 Banking St	Greensboro	NC
VISION FINANCIAL Main Office Main Office Branch	214 Pacific Ave	Durham	NC
CENTRA Whitakers, Nc Whitakers, Nc Branch	9377 N US Highway 301	Whitakers	NC
PIEDMONT ADVANTAGE CREDIT UNION University University Branch	4997 Home Rd	Winston Salem	NC
HEALTHSHARE Moses H Cone Memorial Hospital - Main Office Moses H Cone Memorial Hospital - Main Office Branch	HealthShare Credit Union	Greensboro	NC
VISION FINANCIAL Main Office Main Office Branch	214 Pacific Ave	Durham	NC
SELF-HELP Headquarters Headquarters Branch	301 W Main St	Durham	NC
GENERAL ELECTRIC EMPLOYEES Raleigh Raleigh Branch	8325 Six Forks Rd	Raleigh	NC
FORT FINANCIAL Fort Financial Credit Union Fort Financial Credit Union Branch	1475 N New Hope Rd	Gastonia	NC
DUKE UNIVERSITY Main Office Main Office Branch	2200 W Main St Ste L100	Durham	NC
R T P Cary Branch Cary Branch	915 N Harrison Ave	Cary	NC

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

PRODUCT INFORMATION

Credit Union Certificates of Deposit 2025

Credit union certificates of deposit (“CDs”, also commonly called “time deposits” at credit unions) are contract-based and time-based savings vehicles that are offered by credit unions. In return for agreeing to keep your money tied up with the credit union for a given time period, you earn a fixed rate or return that cannot change over the course of that period. Should you need your money before the expiration of the contractual period, the penalties for early withdrawal can be severe. Not all credit unions even offer early withdrawal from CDs; many that do offer it maintain the right to deny it in their fine print. It therefore is important to fully understand the terms of any time-based deposit that you enter with a credit union. Read this article for further detail on early withdrawal penalties.

Many Americans enjoy performing their banking transactions with credit unions, citing better rates, non-profit status (owned by its depositors), more helpful employees, and a commitment to the community that is above the level offered by local banks. You will find a map with all credit unions that are close to you here. It is important to note that some credit unions have limited fields of membership, although others are more open ended. Under any circumstance, you must meet the membership requirements in order to become a member and open a CD or time deposit.

Those who are willing to tie up their money for one year will often get a slight premium over the best available savings rates. People who work with credit unions may find that they offer better rates on CDs or time deposits than local banks and online banks. You however should check the local bank rates where you live here and the online rates here.

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

NCUA Insurance

Most, but not all, credit unions listed on BestCashCow are insured by the National Credit Union Administration (NCUA). You should confirm that the credit union that you are working with is NCUA-insured by visiting that institution’s BestCashCow page (NCUA coverage is detailed on the overview tab). The NCUA insures each named individual's deposits to $250,000 for all accounts at the credit union within ownership class. The rules are very similar, but not identical, to those for FDIC insurance. You should always stay within NCUA insurance limits.

BestCashCow strongly recommends that you deposit money only in NCUA insured credit unions and that you stay within insured limits. If you are considering depositing over $250,000 at a single NCUA-insured credit union across products (share certificates, time deposits, etc.) or across types of ownership (individual, joint, etc.) you should use the NCUA’s Share Insurance Toolkit in order to be sure that you are not exceeding coverage limits.

FREQUENTLY ASKED QUESTIONS ABOUT CREDIT UNIONS

Is my money any less safe at a credit union?

As long as your credit union is NCUA insured and you stay within the NCUA limits, As long as your credit union is NCUA insured and you stay within the NCUA limits, your money is no less safe than it would be in an FDIC-insured bank.

Is there any difference between a time deposit offered by a credit union and a CD account offered by a bank?

The difference is mainly one of terminology. But, you should always completely understand the terms of a time deposit or CD before you enter it, paying careful attention to the early withdrawal penalties. A reasonable early withdrawal penalty for a 1-year CD or time deposit is 3 months, and a reasonable early withdrawal penalty for a longer term CD is 6 months.

Does the small amount of interest gained on a time deposit make sense given the fact that I am losing access to my capital (liquidity)?

This is a decision that depends on your own specific circumstances, your needs for cash, and other investments that you may wish to pursue over the period of your time deposit or CD. The premium in a one-year CD is very small, with the premium of longer-term CDs being a little wider. A small difference in compounding interest can make a large difference over long period of time. You may wish to familiarize yourself with our Savings Booster Calculator in order to understand the importance of compounding interest at higher rates on your money over time.