1 CDChecked Oct 10, 2026Updated
State Employees' CD rates
4.30%APY for 18 months, its best · as of Oct 10, 2026
- 6 months
- 3.85%#49 of 142 on our list
- 1 year
- 4.00%#52 of 154 on our list
- 18 months
- 4.30%#18 of 91 on our list
Visit State Employees'Places are among the CDs we track for that term, on $10,000. IRA CDs aren’t counted in the best rates.
Share Term Certificate (STC)
| Term | APY | On our list |
|---|---|---|
| 6 months | 3.85% | #49 of 142 |
| 1 year | 4.00% | #52 of 154 |
| 18 months | 4.30% | #18 of 91 |
Source: the bank’s page · checked Oct 10, 2026
- Early withdrawal penalty
- Any term: 90 days of interest
- Minimum to open
- $250Source · checked Oct 10, 2026
- Grace period at maturity
- 7 daysSource · checked Oct 10, 2026
- Interest compounds
- Simple interestSource · checked Oct 10, 2026
- Membership
- Membership required:
- Employees of the state of North Carolina, employees of North Carolina public boards of education, employees of North Carolina county departments of Social Services, Health, Mental Health, and Civil Defense, employees of associations formed for the benefit of state of North Carolina employees, employees of agencies or departments whose employees are otherwise subject to the North Carolina State Personnel Act, and employees of federal agencies assigned to North Carolina state agencies.
- Members of the North Carolina National Guard.
- Individuals retired from the above employment or service as pensioners and/or annuitants, including former employees who are “vested” and have not withdrawn or terminated future eligibility to be a pensioner and/or annuitant.
- Immediate family of an existing member, including spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, stepsibling, and adoptive relationships.
CD rates change often; the bank’s own page is the final word. Best CD rates by term · CD calculator · Report a mistake