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Certificates of Deposit (CDs)

Certificates of Deposit (CD) continue to be sound investment vehicles which can be tailor-made to meet your individual needs. 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.

Account Features

  • Guaranteed interest rate for period of time (term) selected
  • Interest compounded daily
  • Emergency withdrawal with no penalty; otherwise, a penalty may be imposed for early withdrawal
  • Flexible interest payment options
  • Automatic renewal upon maturity
  • Combined accounts statement
  • FDIC Insured

Terms & Fees

  • No monthly service fee
  • $500 minimum deposit to open
  • Early Withdrawal Penalty may apply


  • Contact your Uwharrie Bank representative for more information about our current rates.


Call 800.438.6864Contact Us

Deposit of $500.00 required to open account.

* Interest is earned on the collected balance less reserves.

Complete disclosure by account type, including terms, fees, rate information and much more are available at any of our offices. All interest rates are subject to change daily. To obtain current rate information, please contact an Account Executive at any of our convenient locations.