Updated July 2026

Best CD Rates in Charlotte, North Carolina

The top CD and money market rates available to Charlotte residents right now — with exact institutions, current APYs, and how to open an account.

Top Rate Available

4.34%

vs. 0.55% national avg

Top Local CD

4.34%

ADVANCIAL · Charlotte branch

Top Online Rate

4.30%

Raisin — open to NC residents

National Average

0.55%

What most banks are paying

⚠️

Rate Alert: Charlotte residents can earn up to 4.34% locally right now — nearly 8x the national average. The big banks in the Queen City are paying a fraction of what local credit unions and online banks offer. Rates change frequently — always confirm directly with the institution before opening.

Certificate of Deposit

Best CD Rates — Charlotte, NC

Institution	APY	Term	Min. Deposit	Insured By	Standing
ADVANCIAL Credit Union	4.34%	12 months	$1,000	NCUA	Top Local
Raisin (Online)	4.30%	12 months	$1	FDIC/NCUA	Top Online
Coastal Credit Union	4.15%	60 months	$1,000	NCUA	Strong Rate
Marcus by Goldman Sachs	3.90%	12 months	$500	FDIC	Strong Rate
State Employees’ Credit Union	3.85%	24 months	$250	NCUA	Competitive
Carolinas Telco FCU	3.82%	6 months	$500	NCUA	Short Term
National Average	0.55%	12 months	Varies	—	Benchmark

💡 Pro Tip — Charlotte Residents

ADVANCIAL leads the pack locally at 4.34% — their Charlotte branch is at 7521 Pineville Matthews Rd. State Employees’ Credit Union (SECU) is another strong local option and is open to all NC residents, not just state employees. If you prefer no branch visits, Raisin at 4.30% online is nearly identical in rate with far lower minimum deposit requirements.

Money Market & High-Yield Savings

Best Savings Rates — Charlotte, NC

Institution	APY	Min. Balance	Type	Standing
Raisin (Online)	4.30%	$1	Money Market	Top Pick
Marcus by Goldman Sachs	3.90%	$0	High-Yield Savings	Strong
National Average	0.46%	Varies	Savings	Benchmark

For Charlotte-Area Banks & Credit Unions

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Rates sourced from BestCashCow and institution websites. Data as of July 2026. Rates are subject to change without notice. The Rate Desk is not a bank or financial advisor. Always verify current rates directly with the institution before opening an account. We may earn a referral fee when you open an account through our links.