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 16–30 results in North Carolina
- Coastal Credit UnionHigh Yield SavingsSavings · $25 min · 0.10%–3.00% by balance
Credit union · 22 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 - United Federal Credit UnionElevate Money MarketElevate Money Market · $0 min · 0.00%–3.50% by balance
Credit union · 6 branches
3.00%APY$300 a year on $10,000with conditionsRequirements
Product: Tiered money market program for consumer accounts only; business accounts not eligible. Subject to membership qualifications. Bonus rate of 2.50% APY applies when meeting qualifying checking, debit/credit transactions, direct deposit/ACH, and e-statement criteria.
Offer: Standard tier rate.
Qualified rate · 0.00% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Elevate Money Market Balance APY Any balance 0.00% $1,000 and upYour amountTier rate with bonus rate. Requires Tax Reported Owner to have an Ultra Checking or Free Checking account maintained with an average monthly balance of at least $1.00, at least 20 cleared signature/non-PIN debit or credit card transactions, 1 direct deposit or ACH auto payment, and active e-statements. 3.00% $100,000 and upTier rate with bonus rate. Requires Tax Reported Owner to have an Ultra Checking or Free Checking account maintained with an average monthly balance of at least $1.00, at least 20 cleared signature/non-PIN debit or credit card transactions, 1 direct deposit or ACH auto payment, and active e-statements. 3.25% $250,000 and upTier rate with bonus rate. Requires Tax Reported Owner to have an Ultra Checking or Free Checking account maintained with an average monthly balance of at least $1.00, at least 20 cleared signature/non-PIN debit or credit card transactions, 1 direct deposit or ACH auto payment, and active e-statements. 3.50% Rate checked
More details - Fort Bragg Federal Credit UnionMoney MarketMoney Market · $5,000 min · 0.25%–3.00% by balance
Credit union · 5 branches
3.00%APY$300 a year on $10,000Requirements
Product: Dividends calculated and paid monthly based on Average Daily Balance (ADB). Earned on entire ADB if greater than $5,000; if below $5,000, a $10 monthly fee is assessed and no dividends are earned. Does not permit debit card access, check writing, or BillPay payments. May not be used for overdraft protection or loan collateral. 6 free withdrawals/transfers per month ($25 per month thereafter).
Offer: Earns 3.00% APY on ADB between $5,000 and $249,999.99. Minimum $5,000 opening balance. $10 monthly fee if ADB falls below $5,000.
3.00% interest rate · $10 monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY $5,000 – $250,000Your amount 3.00% $250,000 and up 0.25%* Rate checked
More details - First Carolina BankPlatinum Advantage Money Market AccountPlatinum Advantage Money Market Account · $0 min · 3.00%–3.50% by balance
Bank · 5 branches
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 - American Partners Federal Credit UnionMoney Market Tiered AccountsMoney Market Tiered Accounts · $0 min
Credit union · 2 branches
3.00%APY$300 a year on $10,0002.96% interest rate · Effective Sep 1, 2026
Rate checked
More details - 3.00%APY$300 a year on $10,000with conditions
Requirements
Product: Exclusive savings account paired with linked Kasasa Cash Checking account. No monthly maintenance fee. $100.00 minimum deposit to open. Meeting monthly qualification cycle requirements on linked Kasasa Cash account earns premium APY tiers and domestic ATM fee reimbursements; otherwise base APY applies.
Offer: Base rate earned on all balances if Kasasa Cash monthly qualifications are not met.
Qualified rate · 0.01% interest rate · No monthly fee · Effective Mar 1, 2025
Rate by balance
Rate by balance for Kasasa Saver Balance APY Any balance 0.01% Up to $100,001Your amountRequires meeting Kasasa Cash monthly qualifications (at least 1 direct deposit/ACH, at least 15 debit card purchases, and eStatements enrollment). 3.00% $100,001 and up 0.05% Rate checked
More details - 3.00%APY$300 a year on $10,000
Requirements
Product: High yield savings account. Interest compounded daily on the collected balance.
Offer: Open In-Person: Find a Branch.
Compounded daily · Effective Dec 12, 2025
Rate checked
More details - 3.00%APY$300 a year on $10,000
Requirements
Product: High yield savings account. Interest compounded daily on the collected balance.
Offer: Interest compounded daily on the collected balance.
Compounded daily · Effective Jan 15, 2026
Rate checked
More details - Blue Ridge BankGolden Advantage Money MarketGolden Advantage Money Market · $2,500 min
Bank · 1 branch
2.87%APY$287 a year on $10,000with conditionsRequirements
Product: Avoid monthly maintenance fee by maintaining a $2,500.00 minimum balance. Must have a Golden Advantage Checking or a Golden Advantage Plus Checking to qualify. Free e-statements, paper statement fee may apply.
Qualified rate · 2.83% interest rate · Effective Dec 11, 2025
Rate checked
More details - 2.79%APY$279 a year on $10,000with conditions
Requirements
Product: May be new or existing money. Existing Paragon customers must have a Paragon Bank checking account to qualify for this special rate.
Offer: No service charge when daily balance is over $1,000 ($12 monthly standard service charge). Existing Paragon customers must have a Paragon Bank checking account to qualify for this special rate. Applies to minimum balance and minimum opening deposit of $1,000. Money Market account special may be new or existing money.
Qualified rate · 2.75% interest rate · $12 monthly fee · Effective Oct 1, 2026
Rate checked
More details - 2.70%APY$270 a year on $10,000
Requirements
Product: Must become a member of PenFed Credit Union. Account holders must agree to electronic delivery of account opening disclosures and monthly statements.
2.67% interest rate · No monthly fee · Effective Oct 9, 2026
Rate checked
More details - ElecTel Cooperative Federal Credit UnionMoney MarketMoney Market · $500 min · 2.70%–3.10% by balance
Credit union · 5 branches
2.70%APY$270 a year on $10,000Requirements
Product: $500.00 minimum daily balance to earn interest; no minimum balance to maintain account. Dividends compounded daily and posted monthly.
Offer: $500.00 minimum daily balance to earn interest; no minimum balance to maintain account. Dividends compounded daily and posted monthly.
2.67% interest rate · Compounded daily · Effective Jun 29, 2026
Rate by balance
Rate by balance for Money Market Balance APY $500 – $15,000Your amount 2.70% $15,000 – $50,000 3.00% $50,000 – $150,000 3.10% $150,000 and up 2.90% Rate checked
More details - Revity Federal Credit UnionRevity Rewards SavingsSavings · $0 min · 0.50%–2.50% by balance
Credit union · 3 branches
2.50%APY$250 a year on $10,000with conditionsRequirements
Product: Must have Revity High Yield Checking or Revity Cash Back Checking to open. Limit one account type per member. No monthly maintenance fee.
Offer: Applies if monthly qualifications are met in linked Revity High Yield Checking or Revity Cash Back Checking (enrolled in e-statements, at least 1 direct deposit or ACH transaction, and 15+ debit card purchases post and settle during the monthly cycle).
Qualified rate · 2.47% interest rate · No monthly fee · Effective Oct 31, 2025
Rate by balance
Rate by balance for Revity Rewards Savings Balance APY Up to $100,000Your amount 2.50% Over $100,000 0.50% Rate checked
More details - 2.25%APY$225 a year on $10,000
Requirements
Offer: A minimum balance of $0.01 must be maintained each day to obtain the disclosed APY.
2.23% interest rate
Rate checked
More details - State Employees' Credit UnionMoney Market Share AccountMoney Market Share Account · $250 min
Credit union · 275 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
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%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
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