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 16–30 results in Cary, NC
- United Community BankUnited Money MarketUnited Money Market · $1,500 min · 0.50%–1.15% by balance
Bank · 1 branch
0.50%APY$50 a year on $10,000Requirements
Product: Monthly maintenance charge of $12 will be assessed unless a daily balance of $1,500 is maintained. $10.00 excessive withdrawal fee for each withdrawal over 6 per month.
Offer: Lowest number listed in each tier represents the minimum daily balance required to obtain the APY.
$12 monthly fee
Rate by balance
Rate by balance for United Money Market Balance APY Up to $9,999 0.50% $10,000 – $49,999Your amount 0.50% $50,000 – $99,999 0.50% $100,000 – $249,999 1.00% $250,000 – $499,999 1.00% $500,000 – $999,999 1.15% $1,000,000 and up 1.15% Rate checked
More details - 0.45%APY$45 a year on $10,000with conditions
Requirements
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 · 0.45% interest rate · No monthly fee
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Goal-based savings account. Dividends compounded and credited monthly using the daily balance method. Account transfer and withdrawal limitations apply (up to 6 per month).
Offer: Dividends are calculated on balances of $25 or more and are paid and compounded monthly.
0.25% interest rate · Compounded monthly
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Membership in SECU requires opening a Share Account. Must maintain a $25 minimum balance to avoid monthly maintenance fee and maintain membership. A $1 monthly maintenance fee is charged if the account is below $25 on the statement date.
Offer: Dividends accrue when balance is greater than zero; $1 monthly fee if balance falls below $25 minimum balance on statement date.
0.25% interest rate · $1 monthly fee
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Quarterly service charge is refunded within 3 business days when linked to Essential Checking account or Advantage Checking account or if the daily balance is at least $250; otherwise a $5 quarterly service charge is applied.
Effective Sep 28, 2026
Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: Applies to balances $100 or greater.
Offer: Rate applies to balances $100 or greater.
0.20% interest rate · Effective Oct 1, 2026
Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Minimum $5 deposit required to open and keep membership share open.
0.15% interest rate · No monthly fee
Rate checked
More details - Empeople Credit UnionSecondary Share (Sub-Share Savings Account)Savings · $0 min
Credit union · 1 branch
0.15%APY$15 a year on $10,000Requirements
Product: No minimum deposit or daily balance required; open up to 7 sub-shares in digital banking.
0.15% interest rate · No monthly fee
Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: A service charge of $5.00 is imposed every quarter if the daily balance falls below $100.00 any day of the quarter. 6 free withdrawals per quarter ($2.00 fee per withdrawal over 6).
Effective Sep 24, 2026
Rate by balance
Rate by balance for United Savings Balance APY Up to $2,499 0.05% $2,500 and upYour amount 0.15% Rate checked
More details - First Flight Credit UnionFresh Start SavingsSavings · $25 min · 0.05%–0.10% by balance
Credit union · 1 branch
0.10%APY$10 a year on $10,000Requirements
Product: Tiered rate account. Dividends compounded and credited monthly using daily balance method. Account transfer and withdrawal limitations apply (up to 6 per month).
Offer: Minimum daily balance to avoid a service fee is $25.00. Minimum daily balance to earn stated APY is $25.00. Dividend rate applies to full balance once range is met.
0.05% interest rate
Rate by balance
Rate by balance for Fresh Start Savings Balance APY Up to $10,000 0.05% $10,000 and upYour amount 0.10% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Tiered rate share account. Dividends compounded and credited monthly using daily balance method. Account transfer and withdrawal limitations apply (up to 6 per month).
Offer: Minimum daily balance to avoid a service fee is $25.00. Minimum daily balance to earn stated APY is $25.00. Dividend rate applies to full balance once range is met.
0.05% interest rate
Rate by balance
Rate by balance for Trust Balance APY Up to $10,000 0.05% $10,000 and upYour amount 0.10% Rate checked
More details - First Flight Credit UnionPersonal AgencySavings · $25 min · 0.05%–0.10% by balance
Credit union · 1 branch
0.10%APY$10 a year on $10,000Requirements
Product: Tiered rate share account. Dividends compounded and credited monthly using daily balance method. Account transfer and withdrawal limitations apply (up to 6 per month).
Offer: Minimum daily balance to avoid a service fee is $25.00. Minimum daily balance to earn stated APY is $25.00. Dividend rate applies to full balance once range is met.
0.05% interest rate
Rate by balance
Rate by balance for Personal Agency Balance APY Up to $10,000 0.05% $10,000 and upYour amount 0.10% Rate checked
More details - First Flight Credit UnionShare SavingsSavings · $25 min · 0.00%–0.10% by balance
Credit union · 1 branch
0.10%APY$10 a year on $10,000Requirements
Product: All First Flight Members hold a Share Savings Account as their foundational Membership account. Par value of one share is $25.00. Dividends are compounded and credited monthly using the daily balance method. Account transfer and withdrawal limitations apply (no more than 6 transfers/withdrawals per month).
Offer: Monthly minimum balance fee of $2.00 applies to Membership Share on balances of $25 or less (waived on balances above $25). Up to $24.99 earns 0% dividend rate and APY.
0.00% interest rate · $2 monthly fee
Rate by balance
Rate by balance for Share Savings Balance APY Up to $25 0.00% Up to $10,000Tier rate applies to full balance once range is met. 0.05% $10,000 and upYour amountTier rate applies to full balance once range is met. Monthly fee waived on balances above $25. 0.10% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Tiered rate share account. Dividends compounded and credited monthly using daily balance method. Account transfer and withdrawal limitations apply (up to 6 per month).
Offer: Minimum daily balance to avoid a service fee is $25.00. Minimum daily balance to earn stated APY is $25.00. Dividend rate applies to full balance once range is met.
0.05% interest rate
Rate by balance
Rate by balance for Estate Balance APY Up to $10,000 0.05% $10,000 and upYour amount 0.10% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Active accounts have no monthly service fee. Minimum $5 must be maintained in Primary Savings to maintain membership and access products and services. Daily balance of $0.01 required to earn APY according to rate table footnote, while Truth in Savings disclosure cites $5.00 minimum daily balance.
Offer: Minimum daily balance of $5.00 required to earn stated APY according to Truth in Savings disclosure; $0.01 balance required according to rate table footnote. Active accounts have no monthly service fee.
0.10% interest rate · No monthly fee · Effective Oct 22, 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 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
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