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Image Courtesy: pixabay.com
You are viewing rates from banks across North Carolina
Below are special Certificate of Deposit special rates and terms from banks in North Carolina. Special CD offers can change weekly so check back frequently for updates. You can also view specials for banks in your local area or for credit unions in your area.
NC - November 3, 2025
| Bank | APY | MIN | PERIOD | |
|---|---|---|---|---|
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5.40% | $5,000 | 5 months |
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Rate History: 5.60% → 5.35% → 4.80% → 4.45% → 5.40% |
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Concord Branch
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4.20% | $1,000 | 7 months |
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Rate History: 5.00% → 4.20% |
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Brilliant Bank, a division of Equity Bank |
4.06% | $1,000 | 15 months |
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Rate History: 4.85% → 4.35% → 4.30% → 4.06% |
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4.03% | $500 | 7 months |
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Fifth Third Bank, National Association Port Village Branch |
4.00% | $5,000 | 3 months |
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Rate History: 5.20% → 4.50% → 4.00% → 3.80% → 4.00% |
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4.00% | $2,500 | 4 months |
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4.00% | $500 | 5 months |
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Rate History: 1.00% → 5.00% → 4.75% → 4.25% → 4.00% |
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U.S. Bank National Association |
4.00% | $1,000 | 5 months |
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Rate History: 3.00% → 5.00% → 4.00% → 3.60% → 4.00% |
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4.00% | $10,000 | 5 months |
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Rate History: 5.05% → 4.90% → 4.65% → 4.25% → 4.00% |
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4.00% | $1,000 | 7 months |
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Rate History: 4.10% → 4.05% → 4.00% |
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Hayesville Branch
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4.00% | $2,500 | 7 months |
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Rate History: 4.65% → 4.50% → 4.45% → 4.20% → 4.00% |
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0859 Lenoir North Carolina Walmart B Branch
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4.00% | $500 | 8 months |
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Rate History: 4.75% → 4.50% → 4.00% → 3.75% → 4.00% |
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4.00%
3.85% 3.85% |
$0
$0 |
14 months |
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Warning: This special term CD carries an early withdrawal penalty of 180 days interest, whereas the bank's 12-month CD is only very slight lower and has an early withdrawal penalty of 90 days interest. |
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3.95%
3.90% 3.90% |
$500
$500 |
11 months |
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Rate History: 4.25% → 3.90% → 4.05% → 3.95% |
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3.90%
3.70% 2.60% 2.40% 2.20% 2.10% 2.00% 3.70%2.60% 2.40% 2.20% 2.10% 2.00% |
$1,000
$1,000 $1,000 $1,000 $1,000 $1,000 $1,000 |
4 months |
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3.90% | $2,500 | 6 months |
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Rate History: 4.75% → 5.15% → 4.00% → 3.85% → 4.25% |
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3.85% | $1,000 | 7 months |
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Rate History: 4.35% → 3.85% → 3.51% → 4.03% → 3.85% |
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3.81% | $1,000 | 13 months |
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Rate History: 4.21% → 4.11% → 4.36% → 4.06% → 3.81% |
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Southern Shores Branch
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3.80% | $1,000 | 3 months |
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Rate History: 1.00% → 5.00% → 3.80% |
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Raleigh Northpark Branch
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3.80%
3.55% 3.55% |
$501
$500 |
5 months |
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Rate History: 5.00% → 4.75% → 0.01% → 3.80% |
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3.80% | $2,500 | 7 months |
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Concord Branch
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3.80% | $1,000 | 13 months |
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Rate History: 5.50% → 3.80% |
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Citibank, National Association |
3.75% | $0 | 4 months |
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Southern Shores Branch
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3.75% | $1,000 | 6 months |
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Rate History: 1.00% → 5.00% → 4.50% |
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3.75% | $500 | 7 months |
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Early withdrawal penalty is 180 days interest. |
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Bank of America, National Association Highlands Branch |
3.75% | $10,000 | 7 months |
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Rate History: 4.35% → 4.05% → 3.80% → 4.00% → 3.75% |
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3.75% | $500 | 11 months |
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Rate History: 5.05% → 4.75% → 4.50% → 4.00% → 3.75% |
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3.75% | $2,500 | 11 months |
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Rate History: 4.65% → 3.50% → 4.00% → 3.75% |
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3.75% | $1,000 | 12 months |
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Rate History: 4.50% → 4.00% → 3.75% → 3.95% → 3.75% |
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Tryon Branch
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3.70% | $250 | 3 months |
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Rate History: 4.00% → 3.70% |
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Raleigh Northpark Branch
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3.70%
3.45% 3.45% |
$501
$500 |
8 months |
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Rate History: 4.25% → 4.50% → 4.35% → 4.00% → 3.70% |
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First-Citizens Bank & Trust Company Shelby Branch |
3.65% | $5,000 | 5 months |
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Rate History: 4.25% → 4.00% → 3.75% → 3.65% |
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Wells Fargo Bank, National Association Asheville Main Branch |
3.64% | $5,000 | 7 months |
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Rate History: 4.75% → 4.25% → 4.00% → 3.75% → 3.64% |
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Fifth Third Bank, National Association Port Village Branch |
3.60% | $5,000 | 7 months |
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Rate History: 4.80% → 5.00% → 4.50% → 4.20% → 3.50% |
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3.55% | $1,000 | 22 months |
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Rate History: 2.75% → 4.00% → 3.80% → 3.55% |
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3.55% | $1,000 | 36 months |
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Rate History: 3.00% → 3.55% |
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Citibank, National Association |
3.50% | $0 | 6 months |
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Rate History: 3.00% → 2.25% → 3.80% → 1.50% → 3.50% |
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U.S. Bank National Association |
3.50% | $1,000 | 9 months |
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Rate History: 4.00% → 3.70% → 3.40% → 3.10% → 3.50% |
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3.50% | $10,000 | 9 months |
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Rate History: 5.00% → 4.75% → 4.00% → 3.50% |
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Citizens Bank, National Association |
3.50% | $25,000 | 10 months |
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Rate History: 5.00% → 5.25% → 5.00% → 4.00% → 3.50% |
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Wells Fargo Bank, National Association Asheville Main Branch |
3.50% | $5,000 | 11 months |
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Rate History: 3.50% → 3.75% → 3.50% → 3.75% → 3.50% |
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3.50% | $5,000 | 11 months |
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11-Month No Penalty CD |
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0859 Lenoir North Carolina Walmart B Branch
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3.50% | $500 | 13 months |
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Rate History: 4.00% → 3.75% → 3.50% → 2.50% → 3.50% |
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Southern Shores Branch
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3.50% | $1,000 | 13 months |
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Rate History: 1.00% → 5.00% → 4.75% → 3.75% → 3.50% |
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North American Savings Bank, F.S.B. |
3.50% | $5,000 | 13 months |
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Rate History: 5.35% → 5.15% → 4.40% → 4.20% → 3.50% |
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Rising Bank, a division of Midwest BankCentre |
3.50% | $1,000 | 15 months |
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Early Withdrawal Penalty is 180 days interest. |
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3.50% | $10,000 | 15 months |
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Rate History: 4.00% → 3.50% |
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Finworth, a division of InsBank Concord Branch |
3.50% | $50,000 | 22 months |
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Rate History: 3.80% → 4.00% → 3.95% → 3.90% → 3.50% |
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Hayesville Branch
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3.50% | $2,500 | 23 months |
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Rate History: 1.00% → 3.50% |
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3.50% | $1,000 | 25 months |
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Rate History: 3.60% → 3.50% → 3.60% → 3.55% → 3.50% |
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Tryon Branch
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3.45% | $10,001 | 6 months |
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Rate History: 4.00% → 3.00% → 2.75% → 3.51% → 3.45% |
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Bank of America, National Association Highlands Branch |
3.45% | $10,000 | 10 months |
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Rate History: 4.00% → 3.70% → 3.45% |
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CIT Bank, a division of First-Citizens Bank and Trust |
3.35% | $1,000 | 11 months |
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Account cannot be closed online. Requires reaching phone representative to close. |
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3.30% | $0 | 11 months |
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Rate History: 4.00% → 3.75% → 3.55% → 3.40% → 3.30% |
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Citibank, National Association |
3.25% | $0 | 9 months |
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Rate History: 4.10% → 3.00% → 4.25% → 2.50% → 3.25% |
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Hayesville Branch
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3.25% | $2,500 | 11 months |
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Rate History: 4.25% → 3.50% → 3.75% → 3.50% → 3.25% |
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Raleigh Northpark Branch
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3.25% | $501 | 13 months |
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Rate History: 3.50% → 3.25% |
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Fifth Third Bank, National Association Port Village Branch |
3.25% | $5,000 | 13 months |
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Rate History: 4.00% → 4.30% → 3.30% → 3.49% → 3.25% |
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3.25% | $500 | 17 months |
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Early withdrawal penalty is 180 days interest. |
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3.25% | $500 | 20 months |
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Rate History: 1.00% → 3.75% → 3.50% → 3.25% |
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3.25% | $1,000 | 24 months |
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Rate History: 3.50% → 3.25% |
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U.S. Bank National Association |
3.20% | $1,000 | 13 months |
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Rate History: 3.50% → 3.20% → 3.10% → 3.00% → 3.20% |
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Citibank, National Association |
3.10% | $0 | 8 months |
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Rate History: 4.35% → 0.05% → 3.70% → 3.55% → 3.10% |
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Tryon Branch
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3.10% | $10,000 | 9 months |
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Rate History: 3.75% → 3.25% → 3.10% |
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Citibank, National Association |
3.00% | $0 | 3 months |
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Tryon Branch
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3.00% | $10,000 | 12 months |
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Rate History: 4.50% → 4.00% → 3.75% → 3.51% → 3.00% |
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Raleigh Northpark Branch
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3.00% | $500 | 13 months |
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Rate History: 3.50% → 4.25% → 3.50% → 4.00% → 3.00% |
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Hayesville Branch
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3.00% | $2,500 | 19 months |
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Rate History: 1.00% → 3.75% → 3.50% → 3.25% → 3.00% |
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3.00% | $10,000 | 23 months |
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Rate History: 3.75% → 3.00% |
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Fifth Third Bank, National Association Port Village Branch |
3.00% | $5,000 | 24 months |
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Rate History: 5.00% → 4.00% → 3.50% → 2.00% → 3.00% |
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3.00% | $500 | 26 months |
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Rate History: 1.00% → 3.00% |
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2.96% | $5,000 | 51 months |
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2.95% | $1,000 | 13 months |
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Rate History: 4.00% → 3.75% → 3.30% → 2.65% → 2.95% |
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Citibank, National Association |
2.90% | $0 | 5 months |
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Rate History: 3.00% → 3.50% → 3.25% → 1.75% → 2.90% |
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2.75%
2.25% 2.10% 2.00% 2.25%2.10% 2.00% |
$1,000
$1,000 $1,000 $1,000 |
13 months |
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Northwoods Market Branch
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2.75% | $1,000 | 15 months |
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Rate History: 3.55% → 3.75% → 3.35% → 3.00% → 2.75% |
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Dollar Savings Direct, a division of Emigrant Bank |
2.75% | $1,000 | 16 months |
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Rate History: 5.00% → 5.00% → 3.50% → 2.75% |
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Raleigh Northpark Branch
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2.75% | $500 | 19 months |
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Rate History: 3.75% → 2.75% |
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2.75% | $500 | 23 months |
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Early withdrawal penalty is 180 days interest. |
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PNC Bank, National Association Hampstead Branch |
2.60% | $1,000 | 61 months |
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Bank of America, National Association Highlands Branch |
2.50% | $10,000 | 13 months |
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Rate History: 4.90% → 3.25% → 3.00% → 2.75% → 2.50% |
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PNC Bank, National Association Hampstead Branch |
2.40% | $1,000 | 37 months |
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2.25% | $1,000 | 6 months |
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Rate History: 4.65% → 4.55% → 3.45% → 2.50% → 2.25% |
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PNC Bank, National Association Hampstead Branch |
2.20% | $1,000 | 25 months |
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2.00% | $1,000 | 9 months |
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Rate History: 4.50% → 4.40% → 3.20% → 2.25% → 2.00% |
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PNC Bank, National Association Hampstead Branch |
2.00% | $1,000 | 13 months |
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Bank of America, National Association Highlands Branch |
2.00% | $10,000 | 25 months |
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The 12 Month Flexible CDs/IRAs will automatically renew into a 3 Month Flexible CD/IRA. |
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1.96% | $5,000 | 13 months |
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Hingham Institution for Savings |
1.70% | $1,000 | 13 months |
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Rate History: 1.85% → 1.70% |
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1.70% | $1,000 | 15 months |
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JPMorgan Chase Bank, National Association |
0.75% | $100,000 | 6 months |
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Rate History: 3.00% → 2.00% → 1.50% → 1.01% → 0.75% |
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Hingham Institution for Savings |
0.50% | $1,000 | 2 months |
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Rate History: 1.00% → 0.50% |
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0.05% | $1,000 | 9 months |
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