Compare Bank & Credit Union Rates
Best savings rates in Cary, NC
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 results in Cary, NC
- 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 · 1 branch
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 - Coastal Credit UnionHigh Yield SavingsSavings · $25 min · 0.10%–3.00% by balance
Credit union · 3 branches
3.00%APY$300 a year on $10,000Requirements
Product: Tiered rate account based on average daily balance determined at end of month. Once minimum balance for a tier is met, the APY applies to the full balance. No monthly service fees. Must process a deposit within the first 6 months of account opening. A minimum of $5 must be maintained in Primary Savings.
Offer: Base Tier: Applies to average daily balances of $9,999.99 or less. No monthly service fees. Balance of $0.01 required to earn APY. Rate applies to full balance.
0.10% interest rate · No monthly fee · Effective Oct 22, 2026
Rate by balance
Rate by balance for High Yield Savings Balance APY Up to $10,000 0.10% $10,000 and upYour amountRate applies to full balance once threshold is met. 3.00% Rate checked
More details - First Carolina BankPlatinum Advantage Money Market AccountPlatinum Advantage Money Market Account · $0 min · 3.00%–3.50% by balance
Bank · 1 branch
3.00%APY$300 a year on $10,000intro rateRequirements
Product: 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
Offer: 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
Promotional rate · $25 monthly fee · Effective Mar 12, 2026
Rate by balance
Rate by balance for Platinum Advantage Money Market Account Balance APY Up to $249,000Your amount 3.00% $250,000 – $999,999 3.25% $1,000,000 and up 3.50% Rate checked
More details - State Employees' Credit UnionMoney Market Share AccountMoney Market Share Account · $250 min
Credit union · 3 branches
2.20%APY$220 a year on $10,000Requirements
Product: Dividends compound daily and are paid monthly. Minimum balance of $250 required to earn dividends and avoid a $2 monthly maintenance fee. Account cannot be used for ACH debits, checks, BillPay, or loan collateral.
Offer: Dividends compounded daily and paid monthly. Minimum balance to earn dividends is $250; if balance falls below $250 during a statement period, a $2 monthly maintenance fee is assessed.
2.18% interest rate · Compounded daily
Rate checked
More details - State Employees' Credit UnionMoney Market Share AccountMoney Market Share Account · $250 min
Credit union · 3 branches
2.20%APY$220 a year on $10,000Requirements
Product: Dividends compound daily and are paid monthly. Minimum balance of $250 required to earn dividends and avoid a $2 monthly maintenance fee. Account cannot be used for ACH debits, checks, BillPay, or loan collateral.
Offer: Dividends compounded daily. Minimum balance to earn dividends is $250; if balance falls below $250 at any time during a statement period, a $2 monthly maintenance fee is assessed.
Compounded daily · $2 monthly fee · Effective Oct 1, 2026
Rate checked
More details - American Airlines Federal Credit UnionPrimary Savings AccountSavings · $6 min
Credit union · 1 branch
2.02%APY$202 a year on $10,000intro rateRequirements
Product: One-time $1.00 membership fee. Dividends compounded and credited monthly. Minimum daily balance of $5.00 to earn dividends.
Offer: Minimum daily balance to earn dividends is $5.00. Prospective dividend rate and APY for October 2026. Dividends compounded monthly and credited monthly.
Promotional rate · 2.00% interest rate · Compounded monthly · Effective Oct 1, 2026
Rate checked
More details - 2.02%APY$202 a year on $10,000intro rate
Requirements
Product: No minimum balance. No monthly service fees. Ability to set up recurring monthly deposit or deposit on your own. Dividends compounded and credited monthly.
Offer: No minimum balance. Prospective dividend rate and APY for October 2026. Dividends compounded monthly and credited monthly.
Promotional rate · 2.00% interest rate · Compounded monthly · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - 2.02%APY$202 a year on $10,000intro rate
Requirements
Product: Dividends compounded and credited monthly. No minimum balance required.
Offer: No minimum balance. Prospective dividend rate and APY for October 2026. Dividends compounded monthly and credited monthly.
Promotional rate · 2.00% interest rate · Compounded monthly · Effective Oct 1, 2026
Rate checked
More details - 2.00%APY$200 a year on $10,000
Requirements
Product: Membership eligibility requirements apply. A minimum of $5 must be maintained in a Primary Savings account to have access to all products and services. No monthly service fees.
1.98% interest rate · No monthly fee · Effective Oct 22, 2026
Rate checked
More details - First Flight Credit UnionStandard Money MarketStandard Money Market · $250 min · 1.00%–1.51% by balance
Credit union · 1 branch
1.26%APY$126 a year on $10,000Requirements
Product: Membership eligibility required. Must maintain minimum required share ($25 par value) in a Primary Savings account. Minimum opening deposit of $250. No minimum balance requirement after initial deposit.
Offer: Dividend rate and APY apply to the full balance of the account once tier is met.
1.00% interest rate
Rate by balance
Rate by balance for Standard Money Market Balance APY Up to $10,000 1.00% $10,000 – $25,000Your amount 1.26% $25,000 – $50,000 1.26% $50,000 and up 1.51% Rate checked
More details - 1.00%APY$100 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: Base Tier: Applies to entire balance if 0-14 Go Green Checking debit card transactions are posted per calendar month. Minimum balance required to earn APY is $0.01.
Qualified rate · 1.00% interest rate · No monthly fee · Effective Oct 22, 2026
Rate checked
More details - First Carolina BankBankMobile Savings AccountSavings · $0 min · 0.01%–0.75% by balance
Bank · 1 branch
0.75%APY$75 a year on $10,000with conditionsRequirements
Product: Must have a BankMobile Checking Account to qualify. Variable rate. Limit 6 transfers or withdrawals per statement cycle.
Offer: Paid for average daily balances up to $15,000.00. Requires a BankMobile Checking Account.
Qualified rate · 0.75% interest rate · No monthly fee · Effective Jul 15, 2026
Rate by balance
Rate by balance for BankMobile Savings Account Balance APY Up to $15,000Your amount 0.75% $15,000 and upAPY for this tier ranges from 0.75% to 0.57% depending on balance (calculation based on a $20,000.00 average daily balance). 0.01%* Rate checked
More details - Empeople Credit UnionQuick Silver Money Market AccountQuick Silver Money Market Account · $0 min · 0.40%–3.40% by balance
Credit union · 1 branch
0.65%APY$65 a year on $10,000Requirements
Product: Account opening deposit not required. Fees may reduce earnings on this account.
Offer: Level 1
0.40% interest rate
Rate by balance
Rate by balance for Quick Silver Money Market Account Balance APY Up to $5,000 0.40% $5,000 – $10,000Level 2: All-In Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted within the last 31 days and by the end of business day of the last day of the month. Credit Card transactions must be posted between the 27th of previous month and 26th of current month. Excludes ATM and cash transactions. 0.55% $10,000 – $20,000Your amountLevel 2: All-In Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted within the last 31 days and by the end of business day of the last day of the month. Credit Card transactions must be posted between the 27th of previous month and 26th of current month. Excludes ATM and cash transactions. 0.65% $20,000 – $50,000Level 2: All-In Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted within the last 31 days and by the end of business day of the last day of the month. Credit Card transactions must be posted between the 27th of previous month and 26th of current month. Excludes ATM and cash transactions. 1.50% $50,000 – $75,000Level 2: All-In Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted within the last 31 days and by the end of business day of the last day of the month. Credit Card transactions must be posted between the 27th of previous month and 26th of current month. Excludes ATM and cash transactions. 1.55% $75,000 – $100,000Level 2: All-In Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted within the last 31 days and by the end of business day of the last day of the month. Credit Card transactions must be posted between the 27th of previous month and 26th of current month. Excludes ATM and cash transactions. 1.60% $100,000 – $250,000Level 2: All-In Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted within the last 31 days and by the end of business day of the last day of the month. Credit Card transactions must be posted between the 27th of previous month and 26th of current month. Excludes ATM and cash transactions. 3.00% $250,000 – $500,000Level 2: All-In Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted within the last 31 days and by the end of business day of the last day of the month. Credit Card transactions must be posted between the 27th of previous month and 26th of current month. Excludes ATM and cash transactions. 3.30% $500,000 and upLevel 2: All-In Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted within the last 31 days and by the end of business day of the last day of the month. Credit Card transactions must be posted between the 27th of previous month and 26th of current month. Excludes ATM and cash transactions. 3.40% Rate checked
More details - Empeople Credit UnionQuick Silver Money Market AccountQuick Silver Money Market Account · $5,000 min · 0.45%–3.00% by balance
Credit union · 1 branch
0.55%APY$55 a year on $10,000Requirements
Product: Account opening deposit not required. Fees may reduce earnings on this account.
Offer: Level 1
0.45% interest rate
Rate by balance
Rate by balance for Quick Silver Money Market Account Balance APY $5,000 – $10,000 0.45% $10,000 – $20,000Your amount 0.55% $20,000 – $50,000 1.40% $50,000 – $75,000 1.45% $75,000 – $100,000 1.50% $100,000 – $250,000 2.40% $250,000 – $500,000 2.90% $500,000 and up 3.00% 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 Cary, NC
52 accounts at 16 banks and credit unions · checked Oct 6–22
- Typical
- 0.10%
- Top 10% from
- 2.18%
- Banks, typical
- 0.04%
- Credit unions, typical
- 0.50%
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Raleigh, NC metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Langley Credit UnionCredit union · 1 branch
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