State Employees' CD rates

Every CD we track from State Employees', by term, with each term’s place among the CDs we track and its terms of business.

Checked Nov 8, 2026Updated Oct 22, 2026

At each term

Its best rates

Places are among the CDs we track for that term, on $10,000. IRA CDs aren’t counted in the best rates.

Every CD

6 months3.85%#50 of 143

1 year4.00%#59 of 176

18 months4.30%#23 of 107

2 years4.30%#30 of 134

30 months4.00%—

3 years4.00%#28 of 98

4 years4.00%—

5 years4.00%#31 of 98

Early withdrawal penalty: Any term: 90 days of interest
ncsecu.org, checked Nov 8, 2026
Minimum to open: $250ncsecu.org, checked Nov 8, 2026
Grace period at maturity: 7 daysncsecu.org, checked Nov 8, 2026
Interest compounds: Simple interestncsecu.org, checked Nov 8, 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above employment or service as pensioners and/or annuitants, including former employees who are “vested” and have not withdrawn or terminated future eligibility to be a pensioner and/or annuitant.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.
ncsecu.org, checked Nov 8, 2026

The bank’s page · checked Nov 8, 2026. A dash: a term we don’t rank.

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