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 61–75 results in North Carolina
- Skyla Credit UnionSkyla Wealth Money MarketsSkyla Wealth Money Markets · $1,000 min · 1.25%–3.50% by balance
Credit union · 17 branches
1.25%APY$125 a year on $10,000with conditionsRequirements
Product: Only available for Skyla Wealth Members (must maintain a minimum balance of $500,000 across any Skyla deposit product, in assets under management with Skyla Investment and Retirement Services, or combined). If qualification ends, account converts to regular Skyla Money Market.
Qualified rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Skyla Wealth Money Markets Balance APY $1,000 – $50,000Your amount 1.25% $50,000 – $100,000 1.50% $100,000 – $250,000 1.50% $250,000 – $500,000 2.75% $500,000 and up 3.50% Rate checked
More details - Mountain Credit UnionMoney Market AccountMoney Market Account · $1,000 min · 1.00%–1.50% by balance
Credit union · 7 branches
1.25%APY$125 a year on $10,000Requirements
Product: Monthly dividend payments; access to funds without penalty at any time.
Offer: Dividends paid monthly.
0.99% interest rate · Effective Jun 6, 2024
Rate by balance
Rate by balance for Money Market Account Balance APY $1,000 – $5,000 1.00% $5,000 – $25,000Your amount 1.25% $25,000 and up 1.50% Rate checked
More details - 1.16%APY$116 a year on $10,000
Requirements
Product: Minimum opening balance of $1,000. Monthly Service Charge waived with: $1,000 minimum daily Money Market balance. Online or paper statements. Earns tiered interest on daily balance. Unlimited withdrawals or transfers in person, by mail or through an ATM.
Rate by balance
Rate by balance for Money Market Balance APY Up to $1,000 0.00% $1,000 – $20,000Your amount 1.16% $20,000 – $50,000 2.17% $50,000 – $100,000 2.43% $100,000 – $250,000 2.69% $250,000 and up 3.20% Rate checked
More details - Emergency Responders Credit UnionMoney MarketMoney Market · $5,000 min · 0.90%–2.25% by balance
Credit union · 1 branch
1.15%APY$115 a year on $10,000Requirements
Product: Membership is open to emergency responders and their families across North Carolina. Dividends are paid and compounded monthly. Account may not be pledged for collateral.
Compounded monthly · Effective Sep 23, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $4,999 0.90% $5,000 – $24,999Your amount 1.15% $25,000 – $49,999 1.55% $50,000 – $100,000 1.95% Over $100,000Tier applies to balances OVER 100,000. 2.25% Rate checked
More details - Telco Community Credit UnionPreferred Money Market AccountPreferred Money Market Account · $250 min · 0.20%–1.31% by balance
Credit union · 13 branches
1.11%APY$111 a year on $10,000Requirements
Product: Minimum deposit to open account is $250. Offers tiered interest based on balance. If balance falls below $2,500 any time during the statement cycle, interest/dividend for that period will drop to the regular share interest/dividend rate.
Offer: Dividend Tier 1. For Money Market accounts, minimum daily balance of $2,500 is required to earn the APY listed; balances that fall below $2,500 earn the primary share dividend/APY rate.
0.20% interest rate · Effective Oct 4, 2026
Rate by balance
Rate by balance for Preferred Money Market Account Balance APY Up to $2,500 0.20% $2,500 – $25,000Your amountDividend Tier 2. 1.11% $25,000 – $100,000Dividend Tier 3. 1.21% $100,000 and upDividend Tier 4. 1.31% Rate checked
More details - USPS Federal Credit UnionMoney Market SavingsMoney Market Savings · $5,000 min · 1.05%–1.50% by balance
Credit union · 1 branch
1.10%APY$110 a year on $10,000Requirements
Product: Earn more on higher balances. Dividends are compounded and credited monthly; dividend period is monthly. Calculated from day of deposit.
Offer: Tier 1
1.05% interest rate
Rate by balance
Rate by balance for Money Market Savings Balance APY $5,000 and up 1.05% $10,000 and upYour amountTier 2 1.10% $25,000 and upTier 3 1.20% $50,000 and upTier 4 1.30% $75,000 and upTier 5 1.40% $100,000 and upTier 6 1.50% Rate checked
More details - 1.05%APY$105 a year on $10,000with conditions
Requirements
Product: Requires linking to a Kasasa Cash or Kasasa Cash Back checking account. Limit of one Kasasa Saver account per Social Security Number.
Offer: When linked Kasasa Cash or Kasasa Cash Back account qualifications are met during Monthly Qualification Cycle (at least 12 debit card purchases, enrolled in eStatements, and enrolled/logged into online banking).
Qualified rate · No monthly fee · Effective Sep 14, 2021
Rate by balance
Rate by balance for Free Kasasa Saver Balance APY Up to $250,000Your amount 1.05% $250,000 and upWhen linked Kasasa Cash or Kasasa Cash Back qualifications are met; 0.48%* Rate checked
More details - Bragg Mutual Federal Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 0.10%–1.51% by balance
Credit union · 4 branches
1.01%APY$101 a year on $10,000Requirements
Product: Balances below $2,500.00 earn interest at regular savings rate. All interest compounds monthly.
No monthly fee · Effective Oct 2, 2025
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 and up 0.10% $10,000 and upYour amount 1.01% $50,000 and up 1.51% Rate checked
More details - Riverside Savings BankChoice Money MarketChoice Money Market · $1,000 min · 0.10%–3.61% by balance
Bank · 1 branch
1.01%APY$100 a year on $10,000Requirements
Product: $1,000 minimum balance to avoid fee. Tiered interest rates. Limited check writing. Listed rates subject to change at any time, including after account is opened. Fees may reduce earnings.
Offer: $1,000 minimum daily balance to avoid $3.00 monthly service charge. Minimum daily balance to obtain APY is N/A. Listed rates subject to change at any time; fees may reduce earnings.
0.10% interest rate · $3 monthly fee
Rate by balance
Rate by balance for Choice Money Market Balance APY Up to $1,000 0.10% $1,000 – $10,000 0.50% $10,000 – $25,000Your amount 1.01% $25,000 – $100,000 2.53% $100,000 and up 3.61% 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 - Truliant Federal Credit UnionAccelerate Money MarketAccelerate Money Market · $2,500 min · 1.00%–3.45% by balance
Credit union · 30 branches
1.00%APY$100 a year on $10,000Requirements
Product: Minimum opening deposit of $2,500. Tiered rate structure. A $10 monthly fee applies if average monthly balance falls below $2,500. Not available on Business or IRA accounts.
Offer: $10 monthly fee if average monthly balance falls below $2,500.
1.00% interest rate · $10 monthly fee · Effective Oct 4, 2026
Rate by balance
Rate by balance for Accelerate Money Market Balance APY Any balance 1.00% $2,500 and upYour amount 1.00% $25,000 and up 2.60% $50,000 and up 2.80% $75,000 and up 3.00% $100,000 and up 3.20% $250,000 and up 3.45% Rate checked
More details - Skyla Credit UnionMoney MarketsMoney Markets · $1,000 min · 1.00%–2.00% by balance
Credit union · 17 branches
1.00%APY$100 a year on $10,000No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Markets Balance APY $1,000 – $50,000Your amount 1.00% $50,000 – $100,000 1.00% $100,000 – $250,000 1.50% $250,000 – $500,000 1.75% $500,000 and up 2.00% Rate checked
More details - Welcome Federal Credit UnionMoney Market AccountsMoney Market Accounts · $1,000 min
Credit union · 4 branches
1.00%APY$100 a year on $10,000Requirements
Product: Initial deposit and minimum balance of $1,000. There is a $3 monthly fee for balances below $1,000. Limited to six withdrawals/transactions per month.
Offer: Minimum deposit required to open is $1,000.00; minimum daily balance of $1,000.00 required to avoid a $3 monthly fee. Dividends are compounded and credited monthly.
1.00% interest rate · $3 monthly fee · Effective Oct 1, 2026
Rate checked
More details - Summit Credit UnionMoney Market InvestorMoney Market Investor · $10,000 min · 1.00%–2.02% by balance
Credit union · 8 branches
1.00%APY$100 a year on $10,000Requirements
Product: Compounding monthly using daily balance method. Minimum opening amount is $10,000. If the balance falls below the lowest dividend-earning minimum ($10,000), it earns at the Money Market Savings rate. Dividends begin to accrue on the business day of deposit.
Offer: Monthly compounding. Dividends calculated using daily balance method.
1.00% interest rate
Rate by balance
Rate by balance for Money Market Investor Balance APY $10,000 – $50,000Your amount 1.00% $50,000 – $100,000 1.31% $100,000 – $200,000 1.51% $200,000 and up 2.02% Rate checked
More details - 1.00%APY$100 a year on $10,000with conditions
Requirements
Product: Links to free Kasasa checking accounts. Automatic transfers of Kasasa checking earnings. No minimum balance to earn rewards. Eligibility requires meeting monthly qualification cycle criteria (at least 12 debit card purchases post and settle, enroll in and receive eStatements, enroll and log into online banking).
Offer: When monthly qualification cycle requirements are met in linked Kasasa checking account.
Qualified rate · Balance cap $50,000 · No monthly fee
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%
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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