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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.

Learn more about our new 23-month promotional CD

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 CD
  • $2,000 minimum deposit to open, with our new promotional IRA CD
  • Early Withdrawal Penalty may apply


  • Contact Uwharrie Bank for more information about current rates.
  • For a limited time we are also offering a new 23-month promotional CD with an Annual Percentage Yield (APY) of 2.75%.