Best 6-Month CD Rates in North Carolina

4.0
Bankrate Score

Bank or Credit Union Name: Bask Bank

Minimum Amount: $1000.00

APY / Rate: 4.45% APY

Pros:

  • FDIC Approved Bank
  • Terms available from 6-24 months
  • Top-tier APY rate with secured return guaranteed
  • Customer-friendly terms

Rules:

  • New customers have to open an account with the bank before investing in Bask Bank’s CDs.
  • CDs can be opened at the bank as well as online
  • The minimum deposit amount of $1000 must be deposited to the account within 10 days of account opening
  • Early withdrawal is subject to a penalty.
  • Investors can withdraw the interest credited to the account without any penalty.
  • There is a 10 days grace period after maturity to make additional deposits to the CD.
4.0
Bankrate Score

Bank or Credit Union Name: Live Oak Banking Company

Minimum Amount: $2500.00

APY / Rate: 4.15% APY

Pros:

  • Insured by FDIC
  • No online banking or monthly maintenance fees
  • Interest can be automatically disbursed monthly
  • Manage your renewal preferences online

Rules:

  • The minimum deposit required to open an account is $2,500 and the maximum amount is $250,000 per account.
  • Penalties may apply to early withdrawals.
  •  Penalties may apply to early withdrawals.
  • As a Live Oak Bank customer, your Live Oak Bank deposits are insured by the FDIC up to $250,000 per depositor, for each account ownership category.

Best 1-Years CD Rates in North Carolina

4.0
Bankrate Score

Bank or Credit Union Name: Bask Bank

Minimum Amount: $1000.00

APY / Rate: 4.55% APY

Pros:

  • FDIC Approved Bank
  • Terms available from 6-24 months
  • Top-tier APY rate with secured return guaranteed
  • Customer-friendly terms

Rules:

  • New customers have to open an account with the bank before investing in Bask Bank’s CDs.
  • CDs can be opened at the bank as well as online
  • The minimum deposit amount of $1000 must be deposited to the account within 10 days of account opening
  • Early withdrawal is subject to a penalty.
  • Investors can withdraw the interest credited to the account without any penalty.
  • There is a 10 days grace period after maturity to make additional deposits to the CD.
4.0
Bankrate Score

Bank or Credit Union Name: M.Y. Safra Bank

Minimum Amount: $500

APY / Rate: 4.52%

Pros:

  • Monthly compounding interest
  • Low minimum balance required
  • Interest is calculated on deposit until maturity
  • FDIC insured savings

Rules:

  • Interest is compounded monthly and credited in account at months end
  • A penalty is charged on early withdrawal

Best 3 Years CD Rates in North Carolina

4.0
Bankrate Score

Bank or Credit Union Name: Alliant Credit Union

Minimum Amount: $1000.00

APY / Rate: 4.60% APY

Pros:

  • Funds are insured up to $250,000 by NCUA
  • Low minimum deposit of only $1,000; no maximum
  • Great dividend rates

Rules:

  • Dividends compounded every month and at maturity.
  • Incur an early withdrawal penalty
4.0
Bankrate Score

Bank or Credit Union Name: Bread Savings

Minimum Amount: $1500

APY / Rate: 4.50% APY

Pros:

  • Excellent for earning a competitive interest rate on a savings account or CD.
  • Without monthly services.
  • Free domestic incoming wire transfers on savings account

Rules:

  • APYs are subject to change at any time without notice
  •  The penalty will be applied for early withdrawals on CDs
  • At maturity, your CD will automatically renew and earn the base interest rate

Best 5 Years CD Rates in North Carolina

4.0
Bankrate Score

Bank or Credit Union Name: Popular Direct

Minimum Amount: $10000.00

APY / Rate: 4.55% APY

Pros:

  • Highly competitive rates for 6-month CDs
  • 24/7 access to the bank account
  • No hidden fees or charges
  • Customer support for all sorts of queries and concerns
  • FDIC-insured bank up to maximum

Rules:

  • APY can be earned assuming the interest and the principal remains on deposit until maturity.
  • Interest is compounded monthly and added to the account at the end of the month.
  • Early withdrawal fetches a penalty and there is a grace period after maturity to add additional funds to the CD
4.0
Bankrate Score

Bank or Credit Union Name: Pentagon Federal Credit Union

Minimum Amount: $1000

APY / Rate: 4.45 % APY

Pros:

  • Easy online and mobile access.
  • Checking account dividends are compounded daily and paid monthly
  • 85,000 free ATM network access nationwide.
  • Competitive APY rates.

Rules:

  • NCUA insured.
  • Rates are the same and are subject to change.
  • Penalties applied for early withdrawal.
  • The penalty will be 30% of the gross amount of dividends after 365 days of the open date.

National CD Rates

Average CD Rates

1-YEAR CD 1.82%
2-YEAR CD 1.75%
6-MONTH CD 2.10%
5-YEAR CD 2.47%
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