3 Year CD Rates in North Carolina
Compare 3 year certificate of deposit rates in North Carolina. Rates on CD products can vary greatly between banks. That is why we check both national and local banks every day to provide you with a wide selection of three year CD rates available in North Carolina. If we have missed a local bank in your area please contact us and let us know by using the email link below
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Start SavingCIT Bank 3 Year Term CDAPY 1.42% Min $1k Max N/A Earnings Est. $1,080
Sponsored Note: Save On Your Terms: You Choose, You Save. FDIC InsuredStart SavingAlly Bank High Yield 3 Year CDAPY 1.30% Min N/A Max N/A Earnings Est. $988
Sponsored Note: Get our best rate with the Ally Ten Day Best Rate Guarantee. Member FDIC Start SavingAmerican Express Bank, FSB 36 Month CDAPY 0.90% Min N/A Max N/A Earnings Est. $683
Sponsored Note: 
Sponsored Note: Save On Your Terms: You Choose, You Save. FDIC InsuredStart SavingAlly Bank High Yield 3 Year CDAPY 1.30% Min N/A Max N/A Earnings Est. $988Sponsored Note: Get our best rate with the Ally Ten Day Best Rate Guarantee. Member FDIC Start SavingAmerican Express Bank, FSB 36 Month CDAPY 0.90% Min N/A Max N/A Earnings Est. $683Sponsored Note: 
| Bank or Credit Union | Apy | Min | Max | Earnings Estimate | Product | |
| Christian Community Credit Union | 2.00% | $1k | $250k | $1,535 | 36 - 47 Month Kingdom Builder Certificates - New Money Only | |
| Melrose Credit Union | 1.76% | $5k | - | $1,343 | 3 Year Share Certificate | |
| Wings Financial Credit Union | 1.71% | $500 | - | $1,305 | 3 Year Dividend Paid Monthly Share Certificate | |
| A O Smith Employees Credit Union | 1.61% | $500 | - | $1,230 | 36 Month Share Certificate | |
| Air Force Federal Credit Union | 1.55%* | $25k | - | $1,181 | 3 Year CD | |
| AmTrustDirect | 1.55% | - | - | $1,184 | 36 Month CD | |
| Fort Bragg Federal Credit Union | 1.51% | $25k | - | $1,153 | 36 Month Jumbo Step Up Term Share Certificate | |
| Marine Federal Credit Union | 1.51% | $1k | - | $1,153 | 36 Month Investment Share Certificate | |
| American Airlines Credit Union | 1.51% | $10k | - | $1,150 | 36 Month CD | |
| Self-Help Credit Union | 1.51% | $500 | - | $1,153 | 36 Month CD | |
| Choice Credit Union | 1.51% | $500 | - | $1,153 | 36 Month Term Certificate | |
| Weyco Credit Union | 1.51% | $500 | - | $1,153 | 36 Month CD | |
| First Carolina People's Credit Union | 1.51%* | $5k | - | $1,150 | 36 Month Share Certificate | |
| Alliant Credit Union | 1.50% | $1k | - | $1,145 | 36 - 47 Month Share CD | |
| RiverLand Credit Union | 1.50% | $1k | - | $1,142 | 36 Month Certificate | |
| Sharonview Federal Credit Union | 1.50%* | $10k | - | $1,142 | 36 - 59 Month CD | |
| Local Government Credit Union | 1.50% | $250 | - | $1,145 | 36 Month CD Certificate | |
| State Employees' Credit Union (NC) | 1.50% | $250 | - | $1,142 | 36 Month CD | |
| Doral Bank | 1.50% | $1k | - | $1,145 | 36 Month Certificate | |
| Premier CU (NC) | 1.50% | $500 | - | $1,145 | 36 Month CD | |
| Telco Community Credit Union | 1.50% | $500 | - | $1,145 | 36 Month College Saver Share Certificate | |
| First Legacy Community Credit Union | 1.50%* | $10k | - | $1,145 | 36 Month CD | |
| Summit CU (NC) | 1.50% | $25k | - | $1,242 | 39 Month Jumbo CD Special | |
| Hanscom Credit Union | 1.45% | $1k | - | $919 | 30 to 59 Month CD | |
| Barclays | 1.45% | - | - | $1,106 | 36 Month Online CD | |
| CIT Bank | 1.42% | $1k | - | $1,080 | 3 Year Term CD | |
| Start SavingSponsored Note: Save On Your Terms: You Choose, You Save. FDIC Insured | ||||||
| Andrews Federal Credit Union | 1.41% | $1k | - | $1,072 | 36 Month CD | |
| Northwest Federal Credit Union | 1.40%* | $25k | - | $1,065 | 3 Year CD | |
| RTN Federal Credit Union | 1.40%* | $1k | - | $1,065 | 36 Month CD | |
| Truliant Credit Union | 1.40% | $25k | - | $1,065 | 36 Month CD | |
| Justice Federal Credit Union | 1.40%* | $500 | - | $1,065 | 36 Month CD | |
| Third Federal | 1.40%† | $500 | - | $1,098 | 37 Month CD Special | |
| Digital Credit Union | 1.35% | $25k | - | $1,029 | Jumbo 36 - 47 Month Certificate - Relationship Rate | |
| Piedmont Advantage Credit Union | 1.35% | - | - | $1,029 | 36 Month CD | |
| Navy Federal Credit Union | 1.35%* | $20k | - | $1,026 | 3 Year CD | |
| Goldwater Bank | 1.34% | $5k | - | $1,019 | 3 Year CD | |
| USAA Bank | 1.31% | $1k | $95k | $995 | 3 Year CD - Standard | |
| United States Senate Credit Union | 1.31%* | $20k | $100k | $998 | 36 Month Smart CD | |
| Virtual Bank | 1.31% | $10k | - | $995 | 3 Year eCD | |
| Ally Bank | 1.30% | - | - | $988 | High Yield 3 Year CD | |
| Start SavingSponsored Note: Get our best rate with the Ally Ten Day Best Rate Guarantee. Member FDIC | ||||||
| Fort Knox Federal Credit Union | 1.30% | $500 | - | $990 | 36 Month CD | |
| Geauga Savings Bank | 1.30% | $1k | - | $990 | 36 Month CD | |
| MetLife Bank | 1.30% | $2k | - | $990 | 36 Month CD | |
| Hudson City Savings Bank | 1.30%† | $500 | - | $988 | 3 Year CD | |
| Sallie Mae Bank | 1.30% | - | - | $988 | 36-Month CD | |
| Stillwater National Bank | 1.30%*† | $10k | - | $988 | 36 Month CD | |
| OldTown Bank | 1.30% | $1k | - | $988 | 36 Month CD | |
| I-R Employees Credit Union | 1.27% | - | - | $967 | 36 Month Share Certificate | |
| Broadway Federal Bank | 1.26% | $500 | - | $960 | 36 Month Manager's Special CD | |
| State Bank of India | 1.26%† | - | - | $957 | 3 Year CD | |
| Forest Commercial Bank | 1.26% | $10k | - | $960 | 36 Month CD | |
| Roxboro Savings Bank, SSB | 1.26% | $500 | - | $960 | 36 Month CD | |
| North Carolina Community Credit Union | 1.26% | $500 | - | $960 | 36-59 Month Share Certificate | |
| Air Academy Federal Credit Union | 1.25% | $10k | - | $952 | 36 Month CD | |
| H&R Block Bank | 1.25% | $250 | - | $952 | 36 Month CD | |
| OneWest Bank | 1.25% | $1k | - | $949 | 3 Year Online CD | |
| OneUnited Bank | 1.25% | $1k | - | $949 | UNITY 3 Year CD | |
| Patriot Bank | 1.25% | $1k | - | $952 | 36 Month CD | |
| Pentagon Federal Credit Union | 1.25% | $1k | - | $949 | 3 Year Money Market Cerificate | |
| Nationwide Bank | 1.25%* | - | - | $952 | 36 Month CD | |
| DOCO Regional Federal Credit Union | 1.25% | $500 | - | $949 | 36 Month CD | |
| Jacksonville Bank | 1.25% | $1k | - | $952 | 36 - 59 Month CD | |
| Colorado Federal Savings Bank | 1.25% | $5k | - | $949 | 3 Year CD | |
| First National Bank (LA) | 1.25% | - | - | $949 | 36 Month CD | |
| Mcgraw Hill Credit Union | 1.25% | $10k | - | $952 | 36 Month CD | |
| Fayetteville Postal Credit Union | 1.25%* | $500 | - | $952 | 36 Month Share Certificate | |
| Generations Community Credit Union | 1.25% | - | - | $952 | 36 Month CD | |
| Champion CU (NC) | 1.25% | $10k | - | $952 | 36 Month Senior Rewards Share Certificate | |
| First Savings Bank Northwest | 1.23% | $25k | - | $936 | 36 Month CD | |
| Garden Savings Federal Credit Union | 1.21% | $500 | - | $919 | 3 Year Share Certificate | |
| Corporate America Family Credit Union | 1.21% | $10k | - | $919 | 36 Month CD | |
| North American Savings Bank | 1.21% | $10k | - | $919 | 36 - 47 Month CD with Checking | |
| Agriculture Federal Credit Union | 1.20% | $1k | - | $913 | 36 Month Share Certificate | |
| First Internet Bank of IN | 1.20% | $1k | - | $913 | 36 Month CD | |
| Heritage Bank | 1.20% | $25k | - | $913 | 36 Month CD | |
| Lockheed Federal Credit Union | 1.20% | $1k | - | $913 | 36 Month CD | |
| Corning Credit Union | 1.20% | $1k | - | $913 | 36 Month Transfer CD | |
| KeySource Commercial Bank | 1.20% | $100 | - | $911 | 36 Month CD | |
| Firstmark Credit Union | 1.20% | $500 | - | $911 | 3 Year Regular CD | |
| Latino Community Credit Union | 1.20% | $500 | - | $913 | 36 Month CD | |
| Quantum National Bank | 1.20% | $1k | - | $913 | 36 Month Relationship CD | |
| Electel Cooperative Credit Union | 1.20% | $500 | - | $913 | 36-Month Share Certificate | |
| Proponent Credit Union | 1.20% | $1k | - | $759 | 30 Month Premium Benefits Rate CD | |
| United Services CU (NC) | 1.20% | - | - | $911 | 36 Month Fixed CD | |
| Greensboro Municipal Credit Union | 1.20%* | $10k | - | $913 | 36 Month CD | |
| Carolinas Telco Federal Credit Union | 1.16% | $500 | - | $883 | 36 Month Term Share Certificate | |
| Carolina Credit Union | 1.16%* | $1k | - | $880 | 3 Year Share Certificate | |
| AIG Bank | 1.15% | - | - | $875 | 36 Month CD | |
| Ascencia Bank | 1.15% | $500 | $97k | $872 | 3 Year CD | |
| Asheville Savings Bank | 1.15% | $10k | - | $872 | 3 Year Bump Rate CD | |
| Bank of Internet USA | 1.15% | $1k | - | $875 | 36 Month CD | |
| Affinity Credit Union | 1.15% | $500 | - | $727 | 30 Month Certificate w/ Bump Up | |
| General Electric Employees Credit Union | 1.15% | $500 | - | $872 | 3 Year Share Certificate | |
| Premier America Credit Union | 1.15%* | $25k | - | $872 | 36 Month CD | |
| Roanoke Rapids Savings Bank, SSB | 1.13%* | $500 | - | $714 | 30 Month CD | |
| Corning Cable Systems Credit Union | 1.11%* | $10k | - | $844 | 36 Month Share Certificate | |
| First New England Federal Credit Union | 1.11% | $1k | - | $844 | 36 Month CD - Relationship | |
| American Bank | 1.10% | $500 | - | $836 | 36 Month CD | |
| BankUnited | 1.10% | $5k | - | $834 | 36 Month CD Special | |
| University Federal Credit Union | 1.10% | - | - | $836 | 36 Month Web CD | |
| Crescent State Bank | 1.10%* | $10k | - | $836 | 36 - 47 Month CD | |
| Giantbank.com | 1.10% | $2,500 | - | $836 | 36 Month Giant Personal CD | |
| Allegacy Federal Credit Union | 1.10%* | - | - | $834 | 3 Year Regular Certificate | |
| Baxter Credit Union | 1.10%† | $500 | - | $836 | 36 Month Rewards CD | |
| Kaiser Federal Bank | 1.10% | $1k | - | $834 | 3 Year to Less than 5 Year CD | |
| Salem Five | 1.10% | $10k | - | $834 | 36 Month Relationship CD | |
| Piedmont Federal Savings Bank | 1.10% | $500 | - | $834 | 3-Year CD | |
| 5Star Bank | 1.10% | $1k | - | $834 | 3 Year CD | |
| NOVA Bank | 1.10% | $500 | - | $836 | 36 Month CD | |
| Pacific Mercantile Bank | 1.08% | $10k | - | $819 | 36 Month CD | |
| EverBank | 1.06% | $1,500 | - | $670 | 2.5 Year Yield Pledge CD | |
| Randolph Bank & Trust Company | 1.06% | $5k | - | $803 | 36 Month Online CD | |
| E-LOAN.com | 1.05% | $10k | - | $796 | 3 Year CD | |
| Intervest National Bank | 1.05% | $2,500 | - | $796 | 3 Year CD | |
| Newtown Savings Bank | 1.05% | - | - | $796 | 3 Year CD | |
| Lake Michigan Credit Union | 1.05% | $500 | - | $663 | 30 Month VIP CD | |
| US Bank N.A. | 1.05% | $1k | $250k | $820 | 37 Month CD Special | |
| Clearview Credit Union | 1.05% | $1k | - | $798 | 36 Month Savings Certificate | |
| United Southeast Credit Union | 1.05% | $500 | - | $798 | 36 Month CD | |
| First National Community Bank (PA) | 1.05% | $1k | - | $820 | 37 Month CD | |
| First Security Bank & Trust | 1.03% | $10k | - | $783 | 36 - 47 Month CD | |
| Dime Savings Bank | 1.01% | $500 | - | $765 | 3 Year CD | |
| SunTrust Bank | 1.01%† | $2k | $1m | $789 | 37 Month CD | |
| R T P Credit Union | 1.01% | $250 | - | $767 | 36 Month CD | |
| Coastal Bank & Trust | 1.01% | $500 | - | $767 | 36 Month CD | |
| Bank of Blue Valley | 1.00% | - | - | $760 | 36 - 47 Months CD | |
| Atlantic Coast Bank | 1.00% | $1k | - | $760 | 36 Month iCertificates of Deposit | |
| JustBankIt.com | 1.00% | $1k | - | $631 | 30 Month CD | |
| Velocity Credit Union | 1.00% | $1k | - | $758 | 3 Year Inflation Fighter Share Certificate | |
| Freedom Federal Credit Union | 1.00% | $500 | - | $631 | 30 Month CD | |
| S-Bank | 1.00% | $1k | - | $758 | 36 Month Statement Term Certificates | |
| INOVA Federal Credit Union | 1.00% | $200 | - | $758 | 3 Year CD | |
| The Fort Sill National Bank | 1.00% | $500 | - | $631 | 30 Month CD | |
| Easthampton Savings Bank | 1.00% | $1k | - | $758 | 36 Month CD | |
| High Point Bank and Trust Company | 1.00%* | $1k | - | $758 | 3 Year CD | |
| Principal Bank | 1.00% | $5k | - | $760 | 36 Month CD | |
| Welcome Credit Union | 1.00% | $1k | - | $760 | 36 Month CD | |
| Urban Partnership Bank | 1.00% | $1k | $100k | $631 | 30 Month CD | |
| Community Bank of Raymore | 0.95% | $500 | - | $719 | 3 Year Emerald Club CD | |
| FNBO Direct | 0.95% | $500 | $1m | $721 | 36 Month CD | |
| United Federal Credit Union | 0.95%† | $500 | - | $719 | 36 - 47 Month Share CD | |
| Lorillard Credit Union | 0.95% | - | - | $721 | 36 Month CD | |
| Clear Sky Accounts | 0.95% | $5k | - | $741 | 37 Month Clear Sky CD | |
| Carolina Bank | 0.92% | $500 | - | $698 | 36 - 47 Month CD | |
| American Express Bank, FSB | 0.90% | - | - | $683 | 36 Month CD | |
| UnivestDirect | 0.90% | $500 | - | $681 | 3 Year 3D-CD | |
| Southeast Financial Federal Credit Union | 0.90% | $500 | - | $681 | 3 Year CD | |
| First Trade Union Savings | 0.90% | $500 | - | $681 | 3 Year CD | |
| NewDominion Bank | 0.90% | $1k | - | $681 | 36 Month Fixed Rate CD | |
| South Division Credit Union | 0.90% | $1k | - | $681 | 3 Year CD | |
| Founders Federal Credit Union | 0.90% | $500 | - | $683 | 36 - 47 Month Share Certificate | |
| Southern Select Community Credit Union | 0.90% | $1k | - | $681 | 36 Month CD | |
| The Adirondack Trust Company | 0.90% | $500 | - | $681 | 3 Year CD | |
| Charlotte Metro Credit Union | 0.90% | $2k | - | $681 | 3 Year Share Certificate | |
| Carolina Cooperative Credit Union | 0.90% | $500 | - | $683 | 36 Month CD | |
| Beacon Federal Bank | 0.90% | $2,500 | - | $683 | 36 Month CD | |
| North Country Savings Bank | 0.85% | $500 | - | $643 | 3 Year CD | |
| NASA Federal Credit Union | 0.85% | $1k | - | $645 | 36 Month CD | |
| Chartway Federal Credit Union | 0.85% | $10k | - | $645 | 36 Month CD w/ Checking | |
| Citizens Community Bank (VA) | 0.85% | $500 | - | $645 | 36 Month CD | |
| Carter County Bank of Elizabethton, Tennessee | 0.85% | $2,500 | - | $536 | 30 Month ME Checking CD | |
| First Flight Credit Union | 0.85% | $10k | - | $645 | 36 Month Share Certificate | |
| Pacific Resource Credit Union | 0.81% | $1k | - | $612 | 36 Month CD | |
| 1st Source Bank | 0.80% | $500 | - | $605 | 3 Year CD | |
| Acacia Federal Savings Bank | 0.80% | $500 | - | $606 | 36 Month CD | |
| Apple Federal Credit Union | 0.80% | $500 | - | $606 | 36 Month Share Certificate | |
| Coastal Federal Credit Union | 0.80%* | $10k | - | $606 | 36-47 Month CD | |
| ING DIRECT | 0.80% | - | - | $504 | 30 Month Orange CD | |
| West Texas National Bank | 0.80% | $1k | - | $605 | 3 Year CD | |
| Aquesta Bank | 0.80% | $1k | - | $606 | 36 Month Personal CD | |
| Highlands Union Bank | 0.80% | $500 | - | $606 | 36 Month CD | |
| Thrivent Financial Bank | 0.80% | $1k | - | $504 | 30 Month CD Special | |
| Cattaraugus County Bank | 0.79% | $1k | - | $599 | 36 Month CD | |
| Webster Bank | 0.75% | $1k | - | $567 | 3 Year CD | |
| Ameriprise Bank FSB | 0.75%* | $10k | - | $473 | 30 Month CD | |
| E-Central Credit Union | 0.75% | $1k | - | $567 | 36 - 47 Month CD | |
| Alliance CU (CA) | 0.75% | $500 | - | $567 | 36 Month Share Certificate | |
| Sound Banking Company (NC) | 0.75% | $500 | - | $567 | 3 Year CD | |
| Blue Flame Credit Union | 0.75% | $500 | - | $473 | 30 Month Share Certificate | |
| Hanover Credit Union | 0.75% | $500 | - | $568 | 36 Month Share Certificate | |
| Flagstar Direct | 0.75% | $500 | - | $568 | 36 Month Internet CD | |
| State Farm Bank | 0.72%*† | - | - | $545 | 36 Month CD | |
| Blueharbor Bank | 0.70% | $1k | - | $530 | 36 Month CD | |
| Community Bank of Pleasant Hill | 0.70% | $500 | - | $529 | 3 Year CD | |
| Provident Credit Union (CA) | 0.70% | $1k | - | $529 | 36 Month CD | |
| Patelco Credit Union | 0.70% | $1k | - | $529 | 36 - 47 Month CD | |
| iGObanking | 0.70% | $1k | - | $530 | 36 Month iGOCD | |
| Consumers Credit Union (IL) | 0.70% | $250 | - | $529 | 3 Year CD | |
| Select Bank & Trust Company | 0.70% | $100 | - | $529 | 36 Month CD | |
| Flagstar Bank | 0.65%† | $500 | - | $492 | 36 - 47 Month CD | |
| The East Carolina Bank | 0.65% | $1k | - | $491 | 36 Month CD | |
| KeyBank | 0.65%† | $25k | $100k | $491 | 36 Month Tiered CD - Relationship | |
| Telco Credit Union | 0.65% | $1k | - | $409 | 30 Month CD | |
| Airbanking | 0.65% | $500 | - | $491 | 3 Year CD | |
| Heartland Bank Direct | 0.65% | $1k | - | $492 | 36 Month Online CD | |
| Wells Fargo Bank | 0.65% | $5k | - | $533 | Business 39 Month CD Special | |
| Zions Bank | 0.60% | $1k | - | $453 | 3 Year Gold CD | |
| ViewPoint Bank | 0.60% | $1k | - | $454 | 36 Month Regular CD | |
| Union Bank of California | 0.60%† | $350 | $100k | $454 | 36 - 47 Month CD | |
| First Citizens Bank (NC) | 0.60% | $500 | - | $454 | 36 Month CD | |
| Bank of Commerce (NC) | 0.60%* | $10k | - | $454 | 36 - 47 Month CD | |
| Charles Schwab Bank | 0.55% | $1k | - | $416 | 36 Month CD | |
| GiftsforBanking.com | 0.55% | $5k | - | $415 | 3 Year CD Gifts | |
| Sovereign Bank | 0.55%* | $10k | $100k | $415 | 36 Month Rising Rate Relationship CD | |
| Capital One Direct Banking | 0.55% | $5k | $100k | $415 | 3 Year Costco Members CD | |
| Oteen V. A. Credit Union | 0.51% | $500 | - | $386 | 36 Month CD | |
| Amegy Bank | 0.50% | $1k | - | $315 | 30 Month Jumbo Personal CD | |
| Citibank | 0.50%† | $1k | - | $377 | 3 Year CD | |
| Southern Bank and Trust Company | 0.50%* | $500 | - | $378 | 36 - 47 Month CD | |
| Woodforest National Bank | 0.50% | $500 | - | $377 | 3 Year CD | |
| Amalgamated Bank | 0.45%† | $500 | $99k | $339 | 3 Year USAVE Time Deposit | |
| National Bank of Kansas City | 0.45% | $5k | - | $340 | 36 - 47 Month CD | |
| 20Th Century Fox Credit Union | 0.45% | $2,500 | - | $339 | 3 Year Certificate | |
| Fort Financial Credit Union | 0.40% | $500 | - | $301 | 36 Month CD | |
| HSBC Advance | 0.35% | - | - | $220 | 30 Month Online CD | |
| Aurora Bank FSB | 0.35% | $1k | - | $263 | 36 Month CD | |
| Comerica Bank | 0.35%† | $1k | - | $263 | 3 Year CD | |
| First Tennessee Bank, National Association | 0.35% | - | - | $263 | 36 Month CD | |
| HSBC Bank USA, National Association | 0.35% | $1k | - | $220 | 30 Month Online CD | |
| Mechanics and Farmers Bank | 0.30%* | $10k | - | $226 | 36 - 47 Month CD | |
| Regions Bank | 0.30%† | $500 | - | $226 | 36 - 47 Month Relationship CD | |
| BankDirect | 0.25% | $10k | - | $157 | 30 Month CD | |
| Guardian Credit Union | 0.20% | $500 | - | $126 | 30 Month Share Certificate | |
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