Best CD Rates in Charlotte
Locally available certificate rates verified directly from official institution websites.
Compare more than the APY
The highest number is useful, but eligibility, deposit minimums, and the maturity process matter too.
Confirm eligibility
Check membership, geographic, and new-money requirements before applying.
Check the minimum
A strong rate may require a larger opening balance than another offer.
Know the renewal window
Record the maturity date and grace period so the CD does not renew by surprise.
Current Rates in Charlotte
Last verified: October 26, 2026
| Institution | Account | Term | APY | Minimum | Source |
|---|---|---|---|---|---|
| Truliant Federal Credit Union Free ACC route and $5 membership share. | 12-Month Certificate CD | 12 months | 5.00% | $5,000 | Official rate |
| Skyla Credit Union Local service area includes Mecklenburg; family/employer routes or American Consumer Council enrollment handled with application. | 21-Month Regular CD CD | 21 months | 4.50% | $500 | Official rate |
| Skyla Credit Union Local service area includes Mecklenburg; family/employer routes or American Consumer Council enrollment handled with application. | 60-Month Regular CD CD | 60 months | 4.50% | $500 | Official rate |
| Skyla Credit Union Local service area includes Mecklenburg; family/employer routes or American Consumer Council enrollment handled with application. | 36-Month Regular CD CD | 36 months | 4.25% | $500 | Official rate |
| Skyla Credit Union Local service area includes Mecklenburg; family/employer routes or American Consumer Council enrollment handled with application. | 24-Month Regular CD CD | 24 months | 4.20% | $500 | Official rate |
| Skyla Credit Union Local service area includes Mecklenburg; family/employer routes or American Consumer Council enrollment handled with application. | 48-Month Regular CD CD | 48 months | 4.20% | $500 | Official rate |
| Skyla Credit Union Local service area includes Mecklenburg; family/employer routes or American Consumer Council enrollment handled with application. | 18-Month Regular CD CD | 18 months | 4.15% | $500 | Official rate |
| Skyla Credit Union Local service area includes Mecklenburg; family/employer routes or American Consumer Council enrollment handled with application. | 12-Month Regular CD CD | 12 months | 4.10% | $500 | Official rate |
| Carolinas Telco Federal Credit Union Listed eligible ZIP codes include Charlotte 28202 and Raleigh 27601; check the address against the official ZIP list. | 24-Month Share Certificate CD | 24 months | 4.07% | $500 | Official rate |
| Skyla Credit Union Local service area includes Mecklenburg; family/employer routes or American Consumer Council enrollment handled with application. | 6-Month Regular CD CD | 6 months | 4.00% | $500 | Official rate |
| Sharonview Federal Credit Union Employer/family/community routes; Carolina Consumer Council route available to residents of the Carolinas, GA, TN and VA. | 12-Month Certificate CD | 12 months | 3.40% | $500 | Official rate |
Rates may change without notice. Confirm all terms and eligibility directly with the financial institution.
Verified from official sources
Published offers include the institution, APY, term, minimum deposit, eligibility details, source link, and verification date.
See how The Rate Desk works →Are we missing a local offer?
Banks and credit unions may submit a public rate page for independent review. Placement is never guaranteed.
Submit an official rate page →Get the Wednesday Rate Brief
One concise email with notable rate changes and practical CD guidance.
Rates may change without notice. Confirm all terms, eligibility, early-withdrawal penalties, and renewal policies directly with the institution before opening an account.