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Certificates of Deposit (CDs)

This flexible investment vehicle can be customized to meet your financial objectives. Your rate of return will depend on the amount of money you wish to invest and the length of time you elect to keep your money on deposit.

You may choose to have interest added to your CD, which maximizes its earnings potential or have your earnings deposited into another account at Uwharrie Bank for immediate cash needs. Under certain conditions you may choose to receive an interest check. In most cases, at maturity your CD will automatically renew at the interest rate in effect at that time.

You now have more options!
Choose your own promotional CD term. Choose a term between 4 and 7 months and earn an Annual Percentage Yield (APY) of 4.80%.

Account Features

  • Guaranteed interest rate for period of time (term) selected *
  • Interest compounded daily
  • Flexible interest payment options
  • Automatic renewal upon maturity
  • FDIC Insured

Terms & Fees

  • No monthly service fee
  • $500 minimum deposit to open
  • $10,000 minimum deposit to open, with our new promotional CDs
  • $2,000 minimum deposit to open, with our new promotional IRA CDs
  • Early Withdrawal Penalty may apply


  • Contact Uwharrie Bank for more information about current rates.