The best CD rates for North Carolina in January 2024

These selected CDs, backed by the solid protection of Federal Deposit Insurance Corp. (FDIC) or National Credit Union Administration (NCUA) insurance, present an excellent opportunity for secure and profitable investment in the state.

Best CD rates in North Carolina overall

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In addition to our local focus, we’ve sourced data from financial institutions nationwide to pinpoint those offering the best CD rates. These options not only bring competitive interest rates to the table but also feature accessible opening deposit requirements. For an expansive view of the best CD rates available, visit our detailed list of the best CD rates.

Best CD rates in North Carolina by term

In our analysis of North Carolina’s CD rates, we’ve categorized top picks for 6-month, 1-year, and 5-year terms, thanks to data from Curinos. The notes accompanying each rate in our tables may specify criteria like investment minimums or account features. Sometimes, these notes might be blank. For the most accurate and current information, reaching out directly to the bank or credit union is advised.

Best 6-month CD rates in North Carolina

Choose a 6-month CD for a balance between a decent APY and shorter commitment. Remember, longer durations typically offer higher APYs. 

Best 1-year CD rates in North Carolina

Considering a 1-year CD is a smart move for those looking for a moderate-term financial commitment. These CDs often come with manageable minimum deposit requirements, offering an accessible path to save.

Best 5-year CD rates in North Carolina

Choosing a 5-year CD suits those with long-term financial objectives….