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 61–75 results in Charlotte, NC
- 0.10%APY$10 a year on $10,000
Requirements
Product: Establishes Advancial membership. Advancial membership requires a minimum $5 membership share deposit. Up to 6 withdrawals or transfers permitted per month under Regulation D; ATM and in-person withdrawals are unlimited.
Offer: Minimum balance to earn dividends is $100. Minimum deposit to open is $5. Fees may reduce earnings.
0.10% interest rate · No monthly fee · Effective Oct 6, 2026
Rate checked
More details - First Horizon BankMoney Market SavingsMoney Market Savings · $50 min · 0.10%–0.15% by balance
Bank · 3 branches
0.10%APY$10 a year on $10,000Requirements
Product: $50 minimum opening deposit. The monthly service charge is refunded within 3 business days when the primary or joint account holder has an active Elite Checking account, or if the total combined balance in consumer deposit accounts is at least $5,000. Otherwise, a $9 monthly service charge applies. Tiered interest at money market rates based on daily balance compounded and credited monthly.
Offer: Monthly service charge refunded within 3 business days when linked to an active Elite Checking account or with $5,000+ total combined balance in consumer deposit accounts. Otherwise $9/month.
$9 monthly fee · Effective Sep 28, 2026
Rate by balance
Rate by balance for Money Market Savings Balance APY Up to $24,999Your amount 0.10% $25,000 – $49,999 0.10% $50,000 – $99,999 0.15% $100,000 – $249,999 0.15% $250,000 and up 0.15% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Variable-rate account; rates may change after opening. Rates apply to new accounts only. Fees could reduce earnings. No minimum balance requirement and no monthly maintenance fee.
Offer: Variable rate; rate may change after account is opened. Rates are subject to new accounts only. Fees could reduce earnings.
0.05% interest rate · No monthly fee
Rate by balance
Rate by balance for United Platinum Savings Balance APY Up to $2,500 0.05% $2,500 and upYour amount 0.10% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Minimum balance requirement of $5. No monthly service fee.
0.10% interest rate · No monthly fee
Rate checked
More details - 0.10%APY$10 a year on $10,000
0.10% interest rate
Rate checked
More details - Truliant Federal Credit UnionHigh Yield Rewards SavingsSavings · $1,000 min
Credit union · 5 branches
0.10%APY$10 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: Base Rate: Rate applied if checking account activity does not qualify. $10 monthly fee waived with $1,000 average monthly balance.
Qualified rate · 0.10% interest rate · $10 monthly fee · Effective Oct 1, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Exclusively available online. No monthly service charge. Interest compounded daily and credited monthly.
Offer: Minimum opening balance of $50 in new funds to First Citizens, maximum of $1,000,000, required to receive advertised APY. Variable rate subject to change. First two withdrawals or transfers per month are free, then $3 each.
Compounded daily · Balance cap $1,000,000 · No monthly fee
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Offer: Monthly dividend. Rate updated 9/1/2025.
0.10% interest rate · Effective Sep 1, 2025
Rate checked
More details - 0.10%APY$10 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 - PNCPremiere Money Market AccountPremiere Money Market Account · $1 min · 0.07%–0.08% by balance
Bank · 7 branches
0.07%APY$7 a year on $10,000with conditionsRequirements
Product: Minimum opening deposit is $0 online or $25 at a branch. Monthly service charge of $12 waived with an average monthly balance of $5,000 or when linked to a select PNC checking account. Minimum to earn interest is $1.
Offer: PNC TotalRewards Platinum Tier Boost. Requires enrollment in Platinum Tier based on Average Eligible Balance of $500,000 or more.
Qualified rate · 0.07% interest rate · $12 monthly fee · Effective Oct 21, 2026
Rate by balance
Rate by balance for Premiere Money Market Account Balance APY Up to $10,000 0.07% $10,000 – $25,000Your amount 0.07% $25,000 – $50,000 0.07% $50,000 – $100,000 0.07% $100,000 – $250,000 0.08% $250,000 – $500,000 0.08% $500,000 – $1,000,000 0.08% $1,000,000 and up 0.08% Rate checked
More details - PNCPremiere Money Market AccountPremiere Money Market Account · $1 min · 0.05%–0.07% by balance
Bank · 7 branches
0.06%APY$6 a year on $10,000with conditionsRequirements
Product: Minimum opening deposit is $0 online or $25 at a branch. Monthly service charge of $12 waived with an average monthly balance of $5,000 or when linked to a select PNC checking account. Minimum to earn interest is $1.
Offer: PNC TotalRewards Gold Tier Boost. Requires enrollment in Gold Tier based on Average Eligible Balance of $100,000 to $499,999.99.
Qualified rate · 0.06% interest rate · $12 monthly fee · Effective Oct 21, 2026
Rate by balance
Rate by balance for Premiere Money Market Account Balance APY Up to $10,000 0.06% $10,000 – $25,000Your amount 0.06% $25,000 – $50,000 0.06% $50,000 – $100,000 0.06% $100,000 – $250,000 0.07% $250,000 – $500,000 0.07% $500,000 – $1,000,000Standard rate tier. Monthly fee waived if avg monthly balance >=$5,000 or linked to select PNC checking. Opening deposit $25 at branches; online opening minimum $0. 0.05% $1,000,000 and upStandard Rate. $0 minimum deposit to open online ($25 in branches). $12 monthly fee waived with $5,000 average monthly balance or linked select PNC checking account. 0.05% Rate checked
More details - Huntington BankHuntington Relationship SavingsSavings · $100 min · 0.01%–0.06% by balance
Bank · 2 branches
0.06%APY$6 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: Non-Relationship Promotional Rate; requires new money to Huntington (money not currently on deposit in any Huntington account except maturing consumer CDs). Rate applies to ZIP code 43215.
Qualified rate · 0.01% 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 0.01% $5,000 – $2,000,001Your amountStandard Rate with qualifying, open Private Client Account. 0.06% $2,000,001 – $100,000,000,000requires new money to Huntington. Bank reserves the right to limit acceptance of deposits greater than $2,000,000.00. 0.01% Rate checked
More details - 0.05%APY$5 a year on $10,000with conditions
Requirements
Product: Opening deposit of at least $25 required. Monthly maintenance fee of $5 is waived for owners of a U.S. Bank Smartly Checking account, Safe Debit account, U.S. Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Relationship rates require maintaining an eligible qualifying product and vary by Combined Qualifying Balance (CQB).
Offer: Standard rate for any balance without relationship rate qualification.
Qualified rate · 0.05% interest rate · Balance cap $99,999,999,999 · $5 monthly fee · Effective Oct 5, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000with conditions
Requirements
Product: Variable rate account. Monthly maintenance fee of $5 is waived for owners of a Bank Smartly Checking account, Safe Debit account, Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Higher relationship rates require maintaining an eligible product (Bank Smartly Checking, Safe Debit account, or Bank Smartly Visa Signature Card) and are determined by Combined Qualifying Balance (CQB).
Offer: Standard interest rate and APY across all balance levels without qualifying relationship product.
Qualified rate · 0.05% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate checked
More details - Allegacy FinancialHigh Tier Money MarketHigh Tier Money Market · $50 min · 0.05%–3.00% by balance
Credit union · 2 branches
0.05%APY$5 a year on $10,000Requirements
Product: Designed for balances of $100,000 or more. Each account is eligible to receive up to one package of pre-selected standard, duplicate-style Allegacy checks per year. Certain types of withdrawals or transfers may be limited as part of account policies. Fees could reduce earnings. Compounding period: monthly; compounding method: daily balance.
0.05% interest rate · Effective Feb 1, 2026
Rate by balance
Rate by balance for High Tier Money Market Balance APY Up to $100,000Your amount 0.05% $100,000 – $250,000 2.00% $250,000 – $500,000 2.50% $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 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