Best CD Rates in NC | 1-Month to 5-Year CDs for NC Consumers

Known for its diverse landscape of ocean shores and green mountain trails, North Carolina is home to over 10 million people.

If you are one of those millions living in Raleigh, Charlotte, Durham, Winston-Salem, Wilmington, or any other city in North Carolina, it’s likely that you already know how important it is to shop around and compare products to get the best CD rates in NC.

The NC rate table provides a comparison of the best NC rates and financial products currently available.

Best CD Rates in North Carolina

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Which North Carolina City Are You Located In?

Below is a list of the largest cities in North Carolina. Click here to go to the rate table displayed above to view current NC rates.

Largest Cities in North Carolina


High Point111,223

High Yield Savings Rates vs Best CD Rates in North Carolina

Conducting thorough research is an essential task to finding and selecting the best CD rates in Raleigh, Charlotte, or other cities in the state of North Carolina.

However, you might also want to consider high-yield savings accounts in NC. Some online high-yield savings accounts offer much higher rates than the highest CD rates in North Carolina.

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Tips for Getting the Best CD Rates in North Carolina

Across the nation and in North Carolina, CD rates are increasing, especially those that are offered by online banks.

Often providing more in returns than a savings account, certificates of deposit are popular options for NC residents, but it’s important to choose the right savings rates and terms for your unique financial needs.

Read on to find tips for getting the best CD rates in NC to help your savings grow.

Know Your Finances

Before signing up for CD rates in NC, you’ll want to know exactly how much you can afford to set aside.

Some savings products and CD rates in NC will have minimum balance requirements, so the amount of cash you can set aside may play a large role in which CD you choose.

Keep in mind that any money put into a CD won’t be liquid for at least one year—or more—depending on the CD, so you’ll want to have a good handle on your finances before signing up for CD rates in NC.

Compare Multiple Products

When looking for the best CD rates in NC, your local bank is a good place to start, but it should not be the end-all solution.

With the rise of online banking, there are plenty of online banks offering competitive NC CD rates, often providing better rates than brick-and-mortar banks.

Credit unions are also great resources for CD rates in NC, since they operate as not-for-profit organizations and can often offer better rates as a result.

Look for Promotional NC CD Rates

The benefit to having local banks and credit unions to choose from is that these financial institutions often have special deals or promotional CD rates in North Carolina.

Some examples of potential discounts on NC CD rates include:

  • Larger deposits
  • Switching to electronic statements
  • Senior citizens
  • Veterans
  • Residents of a specific county or city

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Conclusion: Finding the Best CD Rates in NC

North Carolina residents have plenty of options when choosing CD rates in NC. The trick, of course, is to make sure that you get the best CD rates in NC that align with your personal financial goals.

No matter what type of account you choose, a CD can be a great option for consumers that struggle with keeping their savings intact long enough for their account to grow.

Consider your financial goals, your current savings plan, and the best CD rates in North Carolina to choose the best savings account for your personal financial goals.

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CD, Savings and MMA Rate Table Disclaimer

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