Compare Bank & Credit Union Rates
Best savings rates in Charlotte, NC
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 31–45 results in Charlotte, NC
- Carolina Cooperative FCUDaily Money Market AccountDaily Money Market Account · $250 min
Credit union · 1 branch
0.90%APY$90 a year on $10,000Requirements
Product: Carolina Cooperative FCU offers Daily Money Market Savings Accounts. Dividends are paid monthly on the average daily balance. $250.00 minimum balance required.
Offer: All dividends are posted to member accounts monthly. $250.00 minimum balance.
Rate checked
More details - Sharonview Federal Credit UnionInvestor Money MarketInvestor Money Market · 0.05%–0.75% by balance
Credit union · 4 branches
0.75%APY$75 a year on $10,000Requirements
Offer: Below $5,000 average daily balance.
0.05% interest rate
Rate by balance
Rate by balance for Investor Money Market Balance APY Any balance 0.05% $5,000 and upYour amount 0.75% Rate checked
More details - United Community BankUnited Money MarketUnited Money Market · $1,500 min · 0.50%–1.15% by balance
Bank · 2 branches
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 - Advancial Federal Credit UnionMoney MarketMoney Market · $2,500 min · 0.46%–0.56% by balance
Credit union · 1 branch
0.46%APY$46 a year on $10,000Requirements
Product: Advancial membership required (minimum $5 membership share deposit). No monthly service fee. Minimum opening deposit of $2,500. Minimum daily balance of $2,500 is required to earn dividends.
Offer: Minimum opening deposit of $2,500. Earn dividends on balances greater than or equal to $2,500.
0.46% interest rate · No monthly fee · Effective Oct 6, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,500 and upYour amount 0.46% $25,000 and up 0.51% $50,000 and up 0.56% Rate checked
More details - Uwharrie BankLeadership Money MarketLeadership Money Market · $1,000 min · 0.45%–0.75% by balance
Bank · 1 branch
0.45%APY$45 a year on $10,000Requirements
Product: $5 monthly service fee is waived with a minimum daily balance of $1,000. Minimum opening deposit of $1,000.
Offer: Monthly service fee of $5 is waived with a minimum daily balance of $1,000. Interest is earned on collected balance less reserves.
0.45% interest rate · $5 monthly fee
Rate by balance
Rate by balance for Leadership Money Market Balance APY Up to $10,000 0.45% $10,000 – $20,000Your amount 0.45% $20,000 – $50,000 0.45% $50,000 – $100,000 0.75% $100,000 and up 0.75% Rate checked
More details - 0.45%APY$45 a year on $10,000
Requirements
Product: $1,000 minimum average daily balance to avoid a $10 monthly maintenance fee. Interest compounded daily on the collected balance. Rates may change after account is opened.
Offer: $1,000 minimum average daily balance to avoid a $10 monthly maintenance fee. Interest compounded daily on the collected balance.
Compounded daily · $10 monthly fee · Effective Jan 15, 2026
Rate checked
More details - Sharonview Federal Credit UnionMoney Market AccountMoney Market Account · $25 min · 0.05%–0.65% by balance
Credit union · 4 branches
0.40%APY$40 a year on $10,000with conditionsRequirements
Product: Membership eligibility required. $25 minimum initial deposit to open. After 6 withdrawals per month, $5.00 fee per withdrawal. Rates subject to change.
Offer: Below $500 average daily balance; earns regular share rate.
Qualified rate · 0.05% interest rate
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $500 0.05% $500 – $49,999Your amountRequires High-Yield Checking receiving at least $1,000 in monthly direct deposits, at least 10 debit card purchases per month, and active online/mobile banking login at least once each month. 0.40% $50,000 and upRequires High-Yield Checking receiving at least $1,000 in monthly direct deposits, at least 10 debit card purchases per month, and active online/mobile banking login at least once each month. 0.65% Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: Gateway to membership; member must maintain $5 par value. All share accounts are variable rate.
Offer: No minimum balance to earn dividends.
0.30% interest rate
Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: Monthly minimum balance fee of $3.00 is waived if a balance of $200.00 or above is maintained each day in the statement period.
Offer: Tier Under $10,000. Monthly minimum balance fee of $3.00 if balance falls below $200.00 any day in the statement period.
$3 monthly fee · Effective Sep 25, 2026
Rate by balance
Rate by balance for Savings Account Balance APY Over $0 0.05% $10,000 and upYour amount 0.30% 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 - 0.25%APY$25 a year on $10,000
Requirements
Offer: Minimum balance of $1,000 to avoid $5 monthly fee.
0.25% interest rate · $5 monthly fee
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Offer: $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).
0.25% interest rate · $4 monthly fee
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Offer: Dividends compounded/credited monthly. One time membership deposit into Share Savings account of $25.00.
0.25% interest rate · Effective Sep 1, 2025
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Must be a Civic member. Minimum opening deposit $5. Monthly service fee of $1 if balance falls below $5.
Offer: $1 fee each month balance is below $5. Minimum balance to earn APY is $1.
0.25% interest rate · $1 monthly fee · Effective Jul 15, 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 Charlotte, NC
109 accounts at 33 banks and credit unions · checked Oct 15–22
- Typical
- 0.10%
- Top 10% from
- 2.16%
- Banks, typical
- 0.06%
- Credit unions, typical
- 0.25%
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Charlotte, NC-SC metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Skyla Credit UnionCredit union · 13 branches
- Allegacy FinancialCredit union · 5 branches
- American Airlines Federal Credit UnionCredit union · 2 branches