Uwharrie Bank Savings & Money Market Rates

How Uwharrie Bank’s savings rates compare

Compared with banks and credit unions near Albemarle, NC, where Uwharrie Bank has the most branches. $10,000, best rate first.

This bank’s best
Uwharrie Bank
0.45%APY
Minimum
$1,000
Earns on $10,000 a year
$45
Leadership Money Market
Top rate
State Employees' Credit Union
2.20%APY
Minimum
$250
Earns on $10,000 a year
$220
State Employees' Credit Union rates
2nd-highest rate
Woodforest National Bank
1.00%APY
Minimum
$25
Earns on $10,000 a year
$100
Woodforest National Bank rates

Compare savings rates near you →

77

Savings score

Higher than 45% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.45%
$10,000 balance$10,0000.45%
$100,000 balance$100,0000.75%
QualifiedQualified0.45%

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.

How the score works →

Where Uwharrie 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.

Leadership Money Market

0.45%APY$1,000 to open

$5 monthly service fee is waived with a minimum daily balance of $1,000. Minimum opening deposit of $1,000.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $10,000Monthly service fee of $5 is waived with a minimum daily balance of $1,000. Interest is earned on collected balance less reserves.	0.45%	—	Monthly service fee of $5 is waived with a minimum daily balance of $1,000. Interest is earned on collected balance less reserves.
$10,000 – $20,000Monthly service fee of $5 is waived with a minimum daily balance of $1,000. Interest is earned on collected balance less reserves.	0.45%	$45	Monthly service fee of $5 is waived with a minimum daily balance of $1,000. Interest is earned on collected balance less reserves.
$20,000 – $50,000Monthly service fee of $5 is waived with a minimum daily balance of $1,000. Interest is earned on collected balance less reserves.	0.45%	—	Monthly service fee of $5 is waived with a minimum daily balance of $1,000. Interest is earned on collected balance less reserves.
$50,000 – $100,000Monthly service fee of $5 is waived with a minimum daily balance of $1,000. Interest is earned on collected balance less reserves.	0.75%	—	Monthly service fee of $5 is waived with a minimum daily balance of $1,000. Interest is earned on collected balance less reserves.
$100,000 and upMonthly service fee of $5 is waived with a minimum daily balance of $1,000. Interest is earned on collected balance less reserves.	0.75%	—	Monthly service fee of $5 is waived with a minimum daily balance of $1,000. Interest is earned on collected balance less reserves.

Sources (2)

All captured Sep 19, 2026

Money Manager Savings

0.25%APY$1,000 to open

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $10,000Minimum balance of $1,000 to avoid $5 monthly fee.	0.25%	—	Minimum balance of $1,000 to avoid $5 monthly fee.
$10,000 – $20,000Minimum balance of $1,000 to avoid $5 monthly fee.	0.25%	$25	Minimum balance of $1,000 to avoid $5 monthly fee.
$20,000 – $50,000Minimum balance of $1,000 to avoid $5 monthly fee.	0.25%	—	Minimum balance of $1,000 to avoid $5 monthly fee.
$50,000 – $100,000Minimum balance of $1,000 to avoid $5 monthly fee.	0.25%	—	Minimum balance of $1,000 to avoid $5 monthly fee.
$100,000 and upMinimum balance of $1,000 to avoid $5 monthly fee.	0.25%	—	Minimum balance of $1,000 to avoid $5 monthly fee.

Sources (2)

All captured Sep 19, 2026

Statement Savings

0.25%APY$100 to open

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Over $0$4 monthly fee waived with minimum balance of $300. $2 fee per withdrawal in excess of 2 per month (fee waived with $2,500 minimum balance).Over $0	0.25%	$25	$4 monthly fee waived with minimum balance of $300. $2 fee per withdrawal in excess of 2 per month (fee waived with $2,500 minimum balance).

Sources (3)

All captured Sep 19, 2026

Special-purpose accounts

High Rate Passbook Savings

0.35%APYSeniors$10,000 to open

For those 55 and better. $25 fee if closed within 12 months. $5 per withdrawal in excess of 3 per quarter.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $10,000$4 monthly fee waived with minimum balance of $1,000. $25 if closed within 12 months. $5 per withdrawal in excess of 3 per quarter. For those 55 and better.	0.35%	—	$4 monthly fee waived with minimum balance of $1,000. $25 if closed within 12 months. $5 per withdrawal in excess of 3 per quarter. For those 55 and better.
$10,000 – $20,000$4 monthly fee waived with minimum balance of $1,000. $25 if closed within 12 months. $5 per withdrawal in excess of 3 per quarter. For those 55 and better.	0.35%	$35	$4 monthly fee waived with minimum balance of $1,000. $25 if closed within 12 months. $5 per withdrawal in excess of 3 per quarter. For those 55 and better.
$20,000 – $50,000$4 monthly fee waived with minimum balance of $1,000. $25 if closed within 12 months. $5 per withdrawal in excess of 3 per quarter. For those 55 and better.	0.45%	—	$4 monthly fee waived with minimum balance of $1,000. $25 if closed within 12 months. $5 per withdrawal in excess of 3 per quarter. For those 55 and better.
$50,000 and up$4 monthly fee waived with minimum balance of $1,000. $25 if closed within 12 months. $5 per withdrawal in excess of 3 per quarter. For those 55 and better.	0.50%	—	$4 monthly fee waived with minimum balance of $1,000. $25 if closed within 12 months. $5 per withdrawal in excess of 3 per quarter. For those 55 and better.

Sources (2)

All captured Sep 19, 2026

Christmas Club Account

0.25%APYClub

Minimum deposit required to open. $15 closing fee. Automatic transfers available.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Over $0	0.25%	$25

Sources (2)

All captured Sep 19, 2026

Youth and Student Savings

0.25%APYKids and teens

Designed for young people and students up to the age of 23.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Over $0For young people and students up to the age of 23. No minimum balance requirement.Over $0	0.25%	$25	For young people and students up to the age of 23. No minimum balance requirement.

Sources (3)

All captured Sep 19, 2026

Health Savings Account (HSA)

0.10%APYHSA$100 to open

A qualified High-Deductible Health Insurance plan is required.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $500Monthly fee of $2.25 waived with minimum balance of $3,000. A qualified High-Deductible Health Insurance plan is required.	0.05%	—	Monthly fee of $2.25 waived with minimum balance of $3,000. A qualified High-Deductible Health Insurance plan is required.
$500 – $2,500Monthly fee of $2.25 waived with minimum balance of $3,000. A qualified High-Deductible Health Insurance plan is required.	0.05%	—	Monthly fee of $2.25 waived with minimum balance of $3,000. A qualified High-Deductible Health Insurance plan is required.
$2,500 – $5,000Monthly fee of $2.25 waived with minimum balance of $3,000. A qualified High-Deductible Health Insurance plan is required.	0.05%	—	Monthly fee of $2.25 waived with minimum balance of $3,000. A qualified High-Deductible Health Insurance plan is required.
$5,000 – $15,000Monthly fee of $2.25 waived with minimum balance of $3,000. A qualified High-Deductible Health Insurance plan is required.	0.10%	$10	Monthly fee of $2.25 waived with minimum balance of $3,000. A qualified High-Deductible Health Insurance plan is required.
$15,000 and upMonthly fee of $2.25 waived with minimum balance of $3,000. A qualified High-Deductible Health Insurance plan is required.	0.10%	—	Monthly fee of $2.25 waived with minimum balance of $3,000. A qualified High-Deductible Health Insurance plan is required.

Sources (2)

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.

Visit institution website ↗Branches and institution details

How Uwharrie Bank’s savings rates compare

Uwharrie Bank savings score

Current savings rates

Leadership Money Market

Money Manager Savings

Statement Savings

Special-purpose accounts

High Rate Passbook Savings

Christmas Club Account

Youth and Student Savings

Health Savings Account (HSA)

Opening an account