Credit union · NCUA insured
Carolina Federal Credit Union Savings Rates
Carolina Federal Credit Union’s best savings rate is 2.10% APY on $10,000, with its Money Market. Rates checked October 22, 2026.
How Carolina Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Charlotte, NC-SC, where Carolina Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Carolina Federal Credit Union
2.10%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $210
Money Market
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 Federal Credit Union savings score
89
Savings score
Higher than 87% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0002.10%
- $100,000 balance$100,0002.50%
- QualifiedQualified2.10%
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 Federal Credit Union 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.
Money Market
2.10%APY
No monthly service charge unless the account falls below $2,500. Maximum six transactions per month. Dividends compounded daily, paid monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,500 – $9,999 | 2.00% | — |
| $10,000 – $24,999 | 2.10% | $210 |
| $25,000 – $49,999 | 2.15% | — |
| $50,000 – $99,999 | 2.30% | — |
| $100,000 and up | 2.50% | — |
Sources (3)
- carolinafcu.org
- carolinafcu.org/deposit/savings/money-market
- carolinafcu.org/resources/rates/deposit-rates
All captured Oct 4, 2026
Share Savings
0.10%APY
To establish membership with Carolina Federal Credit Union, an individual must open a savings account with a $25.00 minimum deposit. A fee will be assessed on accounts below the $25.00 minimum share balance. Funds may be used as collateral on CFCU loans.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded daily, paid monthly. Fee assessed if balance falls below $25.00 minimum share balance.Any balance | 0.10% | $10 | Dividends compounded daily, paid monthly. Fee assessed if balance falls below $25.00 minimum share balance. |
Sources (3)
- carolinafcu.org/deposit/savings
- carolinafcu.org/deposit/savings/share-savings
- carolinafcu.org/resources/rates/deposit-rates
All captured Oct 4, 2026
Special-purpose accounts
IRA Savings
2.50%APY
Available as Traditional IRA or Roth IRA dividend-bearing savings account. No enrollment fee, no annual fee, no withdrawal fee, and no termination fee. Deposits may be funded via payroll deduction.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAvailable as Traditional IRA or Roth IRA. No enrollment fee, no annual fee, no withdrawal fee, and no termination fee.Any balance | 2.50% | $250 | Available as Traditional IRA or Roth IRA. No enrollment fee, no annual fee, no withdrawal fee, and no termination fee. |
Sources (2)
All captured Oct 4, 2026
Club Savings
0.10%APY
Member chooses maturity date (withdrawal date). Deposits may be funded through payroll deduction.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends compounded daily, paid monthly. Member chooses maturity/withdrawal date.Any balance | 0.10% | $10 | Dividends compounded daily, paid monthly. Member chooses maturity/withdrawal date. |
Sources (3)
- carolinafcu.org/deposit/savings
- carolinafcu.org/deposit/savings/club-savings
- carolinafcu.org/resources/rates/deposit-rates
All captured Oct 4, 2026
Who can join Carolina Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, goes to school, or worships in Gaston or Cleveland County.
Employers and groups
- Membership is open to eligible employees and retirees of sponsored/partnered companies and associations.
Family and household
- Membership is open to all family members of eligible individuals.
Membership information collected October 4, 2026.