Bank · FDIC insured
First Carolina Bank Savings Rates
First Carolina Bank’s best savings rate is 3.00% APY on $10,000, with its Platinum Advantage Money Market Account. Rates checked October 22, 2026.
How First Carolina Bank’s savings rates compare
Compared with banks and credit unions near Raleigh, NC, where First Carolina Bank has the most branches. $10,000, best rate first.
This bank’s best
First Carolina Bank
3.00%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $300
Platinum Advantage Money Market Account
Top rate
Langley Credit Union
3.75%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $375
2nd-highest rate
Coastal Credit Union
3.25%APY
- Requires
- Monthly account activity
- Minimum
- $25
- Earns on $10,000 a year
- $325
First Carolina Bank savings score
89
Savings score
Higher than 89% of U.S. banks and credit unions
- $1,000 balance$1,0003.00%
- $10,000 balance$10,0003.00%
- $100,000 balance$100,0003.00%
- QualifiedQualified3.00%
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 First Carolina Bank ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Platinum Advantage Money Market Account
3.00%APY
Advertised rates available only to new funds deposited with First Carolina Bank Platinum Advantage Money Market Account; personal or business clients may be required to have or open a personal or business checking account
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $249,000Available only to new funds; personal or business clients may be required to have or open a checking account; $25 monthly fee applied if minimum balance drops below $2,500 during a statement period; rate is variable | 3.00% | $300 | Available only to new funds; personal or business clients may be required to have or open a checking account; $25 monthly fee applied if minimum balance drops below $2,500 during a statement period; rate is variable |
| $250,000 – $999,999Available only to new funds; personal or business clients may be required to have or open a checking account; $25 monthly fee applied if minimum balance drops below $2,500 during a statement period; rate is variable | 3.25% | — | Available only to new funds; personal or business clients may be required to have or open a checking account; $25 monthly fee applied if minimum balance drops below $2,500 during a statement period; rate is variable |
| $1,000,000 and upAvailable only to new funds; personal or business clients may be required to have or open a checking account; $25 monthly fee applied if minimum balance drops below $2,500 during a statement period; rate is variable | 3.50% | — | Available only to new funds; personal or business clients may be required to have or open a checking account; $25 monthly fee applied if minimum balance drops below $2,500 during a statement period; rate is variable |
Sources (1)
- firstcarolinabank.com/thalian-special-rates · captured Sep 19, 2026
BankMobile Savings Account
0.75%APY
Must have a BankMobile Checking Account to qualify. Variable rate. Limit 6 transfers or withdrawals per statement cycle.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $15,000Paid for average daily balances up to $15,000.00. Requires a BankMobile Checking Account. | 0.75% | $75 | Paid for average daily balances up to $15,000.00. Requires a BankMobile Checking Account. |
| $15,000 and upInterest rate of 0.01% applies only to the portion of the average daily balance greater than $15,000.00. APY for this tier ranges from 0.75% to 0.57% depending on balance (calculation based on a $20,000.00 average daily balance). Requires a BankMobile Checking Account. | 0.01% | — | Interest rate of 0.01% applies only to the portion of the average daily balance greater than $15,000.00. APY for this tier ranges from 0.75% to 0.57% depending on balance (calculation based on a $20,000.00 average daily balance). Requires a BankMobile Checking Account. |
Sources (3)
- firstcarolinabank.com/bankmobile/interest
- firstcarolinabank.com/bankmobile/savings-account
- firstcarolinabank.com/bmtechno…ies/checking-and-savings
All captured Sep 19, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.