Compare Bank & Credit Union Rates
Best savings rates in North Carolina
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 results in North Carolina
- 5.00%APY$500 a year on $10,000with conditions
Requirements
Product: To qualify for American Rewards rates and receive reimbursements on your ATM fees, you must perform the following during the monthly qualification cycle: 1) Have at least seven ACH debits and/or direct deposits post and settle and be enrolled and receive eStatement notice OR have at least 12 debit card purchases post and settle, have at least 1 direct deposit or automatic payment (ACH) post and settle, and be enrolled and receive eStatement notice
Offer: Qualifications met; balances up to $100,000
Qualified rate · Effective Nov 12, 2025
Rate by balance
Rate by balance for American Rewards Balance APY Up to $100,000Your amount 5.00% $100,000 and up 0.50% Rate checked
More details - Skyla Credit UnionPurpose Savings AccountSavings · $25 min · 0.10%–5.00% by balance
Credit union · 17 branches
4.01%APY$401 a year on $10,000Requirements
Product: Tiered rate savings account. To qualify for higher dividend rates/APYs, member must deposit at least $25.00 per month and enroll in e-statements (otherwise a $2/month paper statement fee applies). Non-qualifying accounts earn 0.10% dividend rate / 0.10% APY across the entire balance. Each qualifying dividend rate applies to the portion of the daily balance within each tier. Limit of one Purpose Savings account per primary member. Dividends compounded and credited monthly. No monthly maintenance fee; includes 6 fee-free foreign ATM withdrawals per month.
Offer: Tier 1 rate for qualifying accounts. Requires at least one monthly deposit of $25 or more and enrollment in eStatements. Dividends compounded and credited monthly.
4.89% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Purpose Savings Account Balance APY Up to $1,000 5.00% $1,000 – $10,000Your amountEarns 3.928% dividend rate / 4.10% - 5.00% blended APY (promotional copy cites 4.00% APY). 4.01%* Over $10,000Earns 0.10% dividend rate / 0.50% - 4.10% blended APY (promotional copy cites .10 APY). 0.10%* Rate checked
More details - 4.00%APY$400 a year on $10,000
Requirements
Product: Applicants must be at least 18 years of age and a U.S. citizen or permanent resident alien with a U.S. government-issued tax identification number (SSN/ITIN). No monthly maintenance fees.
Offer: Must maintain a minimum balance of $0.01 to earn interest. Interest is compounded daily and posted on the last business day of the month. Rates are variable and subject to change without notice.
Compounded daily · No monthly fee · Effective Sep 28, 2026
Rate checked
More details - 4.00%APY$400 a year on $10,000
Requirements
Product: Must maintain a minimum balance of $1,000 in the account each day to obtain the disclosed APY.
Offer: Minimum balance of $1,000 to earn APY.
3.93% interest rate · Effective Feb 20, 2026
Rate checked
More details - 4.00%APY$400 a year on $10,000
Requirements
Product: Interest compounded daily on the collected balance. $100 minimum average daily balance to avoid $6 monthly maintenance fee.
Offer: $100 minimum average daily balance to avoid $6 monthly maintenance fee. Interest compounded daily on the collected balance.
Compounded daily · $6 monthly fee · Effective Jan 15, 2026
Rate checked
More details - Langley Credit UnionHigh-Yield SavingsSavings · $0 min · 0.05%–3.75% by balance
Credit union · 1 branch
3.75%APY$375 a year on $10,000Requirements
Product: Tiered rate account. Dividends calculated by average daily balance and compounded monthly. Requires enrollment in eStatements and limited to one withdrawal per calendar month; if requirements are not met or more than one withdrawal occurs, earns 0.05% APY on the entire balance. Limit 1 High-Yield Savings account per member. No monthly fees and no minimum deposit required. $5 deposit to savings account required for membership. High yield rate also applies when MyDesign Checking Steady Saver or All-In requirements are met on balances up to $25,000.
Offer: Standard tier: Earn 3.75% APY on average daily balances up to $25,000 with eStatements and max 1 withdrawal per month.
Compounded monthly · No monthly fee
Rate by balance
Rate by balance for High-Yield Savings Balance APY Up to $25,000Your amount 3.75% $25,000 and up 0.05% Rate checked
More details - Truliant Federal Credit UnionHigh Yield Rewards SavingsSavings · $1,000 min · 1.00%–3.40% by balance
Credit union · 30 branches
3.40%APY$340 a year on $10,000with conditionsRequirements
Product: Requires maintaining a $1,000 average monthly balance to avoid a $10 monthly service fee. Minimum $1,000 to open. One account per membership.
Offer: Premium Rate: To receive the premium interest rate an active checking account that meets monthly minimums of $500 in deposits and 10 withdrawals is required. The premium rate will be applied at the end of each month on balances up to $25,000. Automatically earned for the first two statement cycles. $10 monthly fee waived with $1,000 average monthly balance.
Qualified rate · 3.33% interest rate · $10 monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for High Yield Rewards Savings Balance APY Up to $25,000Your amount 3.40% $25,000 and up 1.00% Rate checked
More details - 3.25%APY$325 a year on $10,000with conditions
Requirements
Product: Must be bundled/linked with a Go Green Checking account. A minimum of $5 must be maintained in a Primary Savings account to access products and services. Membership eligibility requirements apply. No monthly service fees.
Offer: Premium Tier: Requires 15 or more Go Green Checking debit card transactions posted per calendar month. Minimum balance required to earn APY is $0.01.
Qualified rate · 3.20% interest rate · No monthly fee · Effective Oct 22, 2026
Rate checked
More details - Empeople Credit UnionHigh-Yield Savings AccountSavings · $0 min · 0.15%–3.25% by balance
Credit union · 3 branches
3.25%APY$325 a year on $10,000with conditionsRequirements
Product: No minimum deposit or daily balance requirement. All-In Member Pricing (Level 2) requires 21+ debit or credit card transactions per month and minimum $1,500 in direct/mobile deposits into a qualifying account within the last 31 days.
Offer: Level 1 base tier.
Qualified rate · 0.15% interest rate · No monthly fee
Rate by balance
Rate by balance for High-Yield Savings Account Balance APY Up to $5,000 0.15% $5,000 and upYour amountLevel 2: All-In Member Pricing (requires 21+ debit or credit card transactions/month and >=$1,500 in direct/mobile deposits within last 31 days). 3.25% Rate checked
More details - Huntington BankHuntington Relationship SavingsSavings · $100 min · 0.06%–3.25% by balance
Bank · 7 branches
3.25%APY$325 a year on $10,000with conditionsRequirements
Product: Monthly maintenance fee of $10 waived with an average daily balance of $2,500 or when you also own a Huntington personal checking account. Minimum opening deposit is $100. Higher relationship rates available when linked with qualifying checking accounts. Rates are specific to ZIP code 43215.
Offer: Promotional Rate with open Private Client Account; requires new money to Huntington. Rate applies to ZIP code 43215.
Qualified rate · 0.06% interest rate · $10 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Huntington Relationship Savings Balance APY Up to $5,000 0.06% $5,000 – $2,000,001Your amountPromotional Rate with open Huntington Perks Checking account; 3.25% $2,000,001 – $100,000,000,000Bank reserves the right to limit acceptance of deposits greater than $2,000,000.00. 0.06% Rate checked
More details - Sharonview Federal Credit UnionHigh-Yield Savings AccountSavings · $100 min · 0.05%–3.20% by balance
Credit union · 10 branches
3.20%APY$320 a year on $10,000with conditionsRequirements
Product: $100 minimum deposit required to open account. To earn the promoted APY on average daily balances up to $100,000, must maintain an average daily balance of $100.00 and receive at least $100.00 in aggregate ACH deposits each calendar month. No debit card access. Withdrawals in excess of 6 per month incur a $25 fee per withdrawal.
Offer: Applies to average daily balance below $100, or if monthly requirements are not met.
Qualified rate · 0.05% interest rate · Effective Aug 1, 2026
Rate by balance
Rate by balance for High-Yield Savings Account Balance APY Any balance 0.05% $100 – $100,000Your amount 3.20% $100,000 and upSubject to maintaining $100 average daily balance and $100 aggregate ACH deposits. 0.05%* Rate checked
More details - CommunityAmerica Credit UnionAdvantage Money MarketAdvantage Money Market · $1,000 min
Credit union · 1 branch
3.20%APY$320 a year on $10,000Requirements
Product: Variable rate. Compounded daily and credited monthly. Requires maintaining the minimum daily balance required to earn the APY.
Offer: Subject to a $10 monthly fee if balance falls below $1,000 at any time.
3.15% interest rate · Compounded daily · $10 monthly fee · Effective Oct 5, 2026
Rate checked
More details - Huntington BankHuntington Relationship SavingsSavings · $100 min · 0.02%–3.15% by balance
Bank · 7 branches
3.15%APY$315 a year on $10,000with conditionsRequirements
Product: Monthly maintenance fee of $10 waived with an average daily balance of $2,500 or when you also own a Huntington personal checking account. Minimum opening deposit is $100. Higher relationship rates available when linked with qualifying checking accounts. Rates are specific to ZIP code 43215.
Offer: Promotional Rate with open Huntington Perks Checking account; requires new money to Huntington. Rate applies to ZIP code 43215.
Qualified rate · 0.02% interest rate · $10 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Huntington Relationship Savings Balance APY Up to $5,000 0.02% $5,000 – $2,000,001Your amountNon-Relationship Promotional Rate; 3.15% $2,000,001 – $100,000,000,000Bank reserves the right to limit acceptance of deposits greater than $2,000,000.00. 0.02% Rate checked
More details - 3.05%APY$305 a year on $10,000with conditions
Requirements
Product: One account per customer. No minimum balance required. Digital statements must be activated and either have an open Movement Rewards Checking Account or maintain a minimum daily balance of $15,000 to earn qualifying rates.
Offer: Earn 3.05% APY on balances up to and including $50,000.00 when meeting monthly qualifications (digital statements activated plus open Movement Rewards Checking Account or minimum daily balance of $15,000).
Qualified rate · Effective Jul 31, 2026
Rate by balance
Rate by balance for Movement ® Rewards Savings Balance APY Up to $50,000Your amount 3.05% $50,000 – $250,000 1.00% $250,000 and up 0.25% Rate checked
More details - Weyco Community Credit UnionMoney Market AccountsMoney Market Accounts · $250 min
Credit union · 4 branches
3.04%APY$304 a year on $10,0003.00% interest rate · Effective Oct 13, 2026
Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What savings accounts pay in North Carolina
285 accounts at 102 banks and credit unions · checked Oct 16–22
- Typical
- 0.22%
- Top 10% from
- 2.23%
- Banks, typical
- 0.20%
- Credit unions, typical
- 0.25%
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North Carolina
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Skyla Credit UnionCredit union · 17 branches
- Langley Credit UnionCredit union · 1 branch
- ElecTel Cooperative Federal Credit UnionCredit union · 5 branches