Best CD Rates in North Carolina as of November 2020 | Banks & Credit Unions

These are the top rates in North Carolina for 60-month, 48-month, and 6-month terms, and there are several options depending on what you are looking for. Each of these credit unions are not only located in North Carolina, but they also provide great CD rates.

  • 1 Year CD Rates, 0.76% APY Tarboro Savings Bank ($100k)
  • 1-Year CD Rates, 0.76% APY First Carolina Bank ($100k)
  • 1-Year CD Rates, 0.75% APY Blueharbor Bank ($10,000)
  • 1-Year CD. Rates, 0.70% APY Select Bank & Trust Company ($500)
  • 5 Year CD Rates, 0.70% APY at First National Bank ($5k)
  • 48-month, 0.70% APY, minimum $500 deposit at Self-Help Federal Credit Union
  • 60-month, 0.60% APY, minimum $250 deposit at Coastal Credit Union
  • 6-month, 0.60% APY, minimum $500 deposit at Latino Community Credit Union


In order to get a CD from Coastal Credit Union, you are required to have a previous account, either checking or savings, and live or bank in North Carolina. To get a CD from Self-Help Federal Credit Union, you must also already be a member of the bank. For a CD at the Latino Community Credit Union, be a Latino CU member. 

Branches in North Carolina for Coastal Credit Union

Apex, Carrboro, Cary, Durham, Garner, Henderson, Holly Springs, Morrisville, Raleigh, and Rocky Mount

Branches in North Carolina for Self-Help Federal Credit Union

Asheville, Charlotte, Pisgah, Durham, Greensboro, Hendersonville, Kinston, Laurinburg, Lexington, Maiden, Morgantown, Old Fort, Raleigh, Rocky Mount, Rosman, Wilmington, Wilson, and Windsor.

Branches in North Carolina for Latino Community Credit Union

Charlotte, Raleigh, Durham, and Greensboro

Bank Overview for Coastal Credit Union

Coastal Credit Union pride themselves in being transparent with their clients and simply wanting the best for them. Their goal isn’t to make money, it’s to provide high-quality and budget friendly services. Coastal Credit Union loves to give back to the community and has even partnered with Habitat for Humanity. They are also known to give back to the community and lend a hand in areas like financial literacy, food insecurity and poverty. 

Bank Overview for Self-Help Federal Credit Union

Self-Help Federal Credit Union’s mission is to help all, but especially those who are underprivileged. They do this primarily by providing loans to small business and non-profit organizations, as well as to borrowers who may not have access to borrow from anywhere else. They’ve been open since their founding in 2008 and have since expanded to 30 branches. 

Bank Overview for Latino Community Credit Union

Latino Community Credit Union was founded in 2000 after Latinos in the Durham area began victims of a series of robberies. Ever since, they’ve been focused on providing services for immigrant communities in North Carolina and have steadily expanded their branches to help as many people as possible.