Best CD Rates in Raleigh
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 Raleigh
Last verified: October 26, 2026
| Institution | Account | Term | APY | Minimum | Source |
|---|---|---|---|---|---|
| Coastal Credit Union Employer/family routes, listed community-charter areas, or Coastal Foundation membership contribution of $18. Open Primary Savings with $25 and maintain $5; application approval required. | 12-Month Certificate CD | 12 months | 5.00% | $250 | Official rate |
| Truliant Federal Credit Union Free ACC route and $5 membership share. | 12-Month Certificate CD | 12 months | 5.00% | $5,000 | Official rate |
| Coastal Credit Union Employer/family routes, listed community-charter areas, or Coastal Foundation membership contribution of $18. Open Primary Savings with $25 and maintain $5; application approval required. | 60-Month Certificate CD | 60 months | 4.50% | $250 | Official rate |
| State Employees' Credit Union Restricted to qualifying North Carolina state/public-school employees and other listed groups, family or household. Raleigh residence alone is insufficient. | 18-Month Share Term Certificate CD | 18 months | 4.30% | $250 | Official rate |
| Coastal Credit Union Employer/family routes, listed community-charter areas, or Coastal Foundation membership contribution of $18. Open Primary Savings with $25 and maintain $5; application approval required. | 24-Month Certificate CD | 24 months | 4.25% | $250 | Official rate |
| Civic Federal Credit Union NC local-government and family routes; Friend of Civic Foundation route ($15 annual association fee). Maintaining association membership is not required after joining the CU. | 17-Month Choice Certificate CD | 17 months | 4.20% | $250 | Official rate |
| Coastal Credit Union Employer/family routes, listed community-charter areas, or Coastal Foundation membership contribution of $18. Open Primary Savings with $25 and maintain $5; application approval required. | 18-Month Certificate CD | 18 months | 4.10% | $250 | Official rate |
| Coastal Credit Union Employer/family routes, listed community-charter areas, or Coastal Foundation membership contribution of $18. Open Primary Savings with $25 and maintain $5; application approval required. | 48-Month Certificate CD | 48 months | 4.10% | $250 | Official rate |
| Coastal Credit Union Employer/family routes, listed community-charter areas, or Coastal Foundation membership contribution of $18. Open Primary Savings with $25 and maintain $5; application approval required. | 36-Month Certificate CD | 36 months | 4.00% | $250 | Official rate |
| Coastal Credit Union Employer/family routes, listed community-charter areas, or Coastal Foundation membership contribution of $18. Open Primary Savings with $25 and maintain $5; application approval required. | 6-Month Certificate CD | 6 months | 3.85% | $250 | Official rate |
Rates may change without notice. Confirm all terms and eligibility directly with the financial institution.
Verified from official sources
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Rates may change without notice. Confirm all terms, eligibility, early-withdrawal penalties, and renewal policies directly with the institution before opening an account.