Credit union · NCUA insured
Carolina Cooperative FCU Savings Rates
Top CarrotCarolina Cooperative FCU’s best savings rate is 0.90% APY on $10,000, with its Daily Money Market Account. Rates checked October 22, 2026.
How Carolina Cooperative FCU’s savings rates compare
Compared with banks and credit unions near Charlotte, NC-SC, where Carolina Cooperative FCU has the most branches. $10,000, best rate first.
This credit union’s best
Carolina Cooperative FCU
0.90%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $90
Daily Money Market Account
Top rate
American Pride Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $50
- Earns on $10,000 a year
- $500
2nd-highest rate
Skyla Credit Union
4.01%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $401
Carolina Cooperative FCU savings score
84
Savings score
Higher than 65% of U.S. banks and credit unions
- $1,000 balance$1,0000.90%
- $10,000 balance$10,0000.90%
- $100,000 balance$100,0000.90%
- QualifiedQualified0.90%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Carolina Cooperative FCU ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Daily Money Market Account
0.90%APY
Carolina Cooperative FCU offers Daily Money Market Savings Accounts. Dividends are paid monthly on the average daily balance. $250.00 minimum balance required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $250 and upAll dividends are posted to member accounts monthly. $250.00 minimum balance.$250 and up | 0.90% | $90 | All dividends are posted to member accounts monthly. $250.00 minimum balance. |
Share Account
0.05%APY
Represents each member's ownership share of the credit union. $5.00 establishes and maintains membership. Up to six savings withdrawals per calendar month without a fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and up$100.00 minimum balance to earn dividends. All dividends are posted to member accounts monthly.$100 and up | 0.05% | $5 | $100.00 minimum balance to earn dividends. All dividends are posted to member accounts monthly. |
Special-purpose accounts
IRA Accumulation Account
0.35%APY
IRA savings account available in Traditional and Roth options. No minimum deposit required.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAll dividends are posted to member accounts monthly.Any balance | 0.35% | $35 | All dividends are posted to member accounts monthly. |
Holiday Club Account
0.15%APY
Withdrawals fee free November 1st - December 31st yearly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and up$100.00 minimum balance to earn dividends. Withdrawals fee free Nov 1st-Dec 31st Yearly. All dividends are posted to member accounts monthly.$100 and up | 0.15% | $15 | $100.00 minimum balance to earn dividends. Withdrawals fee free Nov 1st-Dec 31st Yearly. All dividends are posted to member accounts monthly. |
Sources (2)
All captured Oct 15, 2026
Vacation Club Savings Account
0.15%APY
One withdrawal per calendar quarter.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and up$100.00 minimum balance to earn dividends. One withdrawal per calendar quarter. All dividends are posted to member accounts monthly.$100 and up | 0.15% | $15 | $100.00 minimum balance to earn dividends. One withdrawal per calendar quarter. All dividends are posted to member accounts monthly. |
Sources (2)
All captured Oct 15, 2026
Who can join Carolina Cooperative FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or study in the majority of Gaston County are eligible for membership.
Employers and groups
- Employees or anyone drawing income from many different Select Employee Groups (SEGs) are eligible for membership.
Family and household
- Family of members (defined as spouse, child, sibling, parent, grandparent, grandchild, stepparents, stepchildren, step-siblings, and adoptive relationships) are eligible for membership.
- Household members living in the same residence maintaining a single economic unit with a member are eligible for membership.
Membership information collected October 4, 2026.