Image Courtesy: pixabay.com
Image Courtesy: pixabay.com
You are viewing rates from credit unions across North Carolina
Below are the best six month CD Rates from credit unions in 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.
NC - August 15, 2025
6 Month CD National Average : 0.41% ?
| Credit Unions | APY | MIN | MILES ? | |
|---|---|---|---|---|
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4.40% 3.40% |
$500 $50,000 |
- |
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Rate History: 4.85% → 5.10% → 4.85% → 4.40% |
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4.25% |
$250 |
- |
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Rate History: 5.50% → 4.25% |
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4.10% 3.90% |
$100,000 $1,000 |
- |
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Rate History: 3.20% → 3.70% → 4.10% |
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4.00% 3.95%3.90% |
$200,000 $100,000$500 |
- |
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Rate History: 4.90% → 5.85% → 5.50% → 5.10% → 4.00% |
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3.90% |
$250 |
- |
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Rate History: 4.50% → 4.40% → 4.25% → 3.90% |
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3.56% |
$500 |
- |
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Rate History: 4.90% → 5.00% → 5.12% → 4.59% → 3.56% |
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3.55% |
$500 |
- |
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Rate History: 3.55% → 2.85% → 3.15% → 2.90% → 3.55% |
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3.50% |
$1,000 |
- |
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Rate History: 3.50% → 4.00% → 3.50% |
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3.50% |
$500 |
- |
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|
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Rate History: 4.75% → 4.50% → 4.40% → 3.75% → 3.50% |
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|
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3.30% 3.25% |
$10,000 $1,000 |
- |
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3.00% 2.95%2.90% 2.84% |
$100,000 $25,000$5,000 $250 |
- |
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|
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Rate History: 1.21% → 3.00% → 3.00% |
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2.90% |
$1,000 |
- |
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|
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Rate History: 3.00% → 2.90% |
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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 |
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|
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2.23% |
$500 |
- |
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|
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Rate History: 4.87% → 4.35% → 4.08% → 3.40% → 2.23% |
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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 |
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|
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2.02% 1.92% |
$10,000 $500 |
- |
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1.60% |
$500 |
- |
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|
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Rate History: 2.10% → 1.85% → 1.75% → 4.25% → 1.60% |
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1.35% |
$500 |
- |
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0.75% |
$100,000 |
- |
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0.75% |
$10,000 |
- |
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|
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MissyDorman | Oct 20, 2019 What ATM machines will except cash Deposits for this bank Read More |
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0.75% |
$10,000 |
- |
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|
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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 |
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0.70% |
$100,000 |
- |
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0.65% |
$10,000 |
- |
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0.65% |
$10,000 |
- |
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0.60% |
$1,000 |
- |
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0.60% |
$10,000 |
- |
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0.60% |
$10,000 |
- |
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0.55% |
$50,000 |
- |
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0.55% |
$100,000 |
- |
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0.50% |
$10,000 |
- |
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0.50% |
$10,000 |
- |
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0.50% |
$10,000 |
- |
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0.50% |
$10,000 |
- |
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0.50% |
$10,000 |
- |
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0.50% |
$100,000 |
- |
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0.50% |
$10,000 |
- |
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0.50% |
$10,000 |
- |
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0.50% |
$250 |
- |
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0.45% |
$10,000 |
- |
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0.40% |
$500 |
- |
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0.40% |
$100,000 |
- |
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0.40% |
$100,000 |
- |
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|
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0.40% |
$10,000 |
- |
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0.40% |
$10,000 |
- |
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0.35% |
$10,000 |
- |
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0.35% |
$10,000 |
- |
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0.35% |
$10,000 |
- |
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0.35% |
$100,000 |
- |
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|
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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 |
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0.30% |
$10,000 |
- |
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0.30% |
$100,000 |
- |
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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 |
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0.30% |
$500 |
- |
Learn More
|
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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 |
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0.30% |
$10,000 |
- |
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0.30% |
$10,000 |
- |
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|
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0.30% |
$100,000 |
- |
Learn More
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0.30% |
$10,000 |
- |
Learn More
|
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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 |
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0.25% |
$10,000 |
- |
Learn More
|
|
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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 |
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0.20% |
$500 |
- |
Learn More
|
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Slynyrd | Nov 11, 2022 It would be great to hear back from someone regarding my bump-up rate currently available, BEFORE 18 days has passed. Still waiting. Read More |
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0.20% |
$10,000 |
- |
Learn More
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0.20% |
$10,000 |
- |
Learn More
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0.15% |
$500 |
- |
Learn More
|
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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 |
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0.15% |
$10,000 |
- |
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0.10% |
$10,000 |
- |
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0.10% |
$10,000 |
- |
Learn More
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0.05% |
$10,000 |
- |
Learn More
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|
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0.01% |
$500 |
- |
Learn More
|
BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.
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.
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.
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.
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.
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.
Find out how much extra money you can earn by moving your bank money into an account that pays more.
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