Compare Bank & Credit Union Rates
Best high-yield savings rates
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 91–105 results in Charlotte, NC-SC metro
- 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 · 5 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 - 0.05%APY$5 a year on $10,000
Requirements
Product: Membership eligibility required. Must maintain a $25 balance in Savings.
Offer: Dividends are paid quarterly. Early withdrawals and associated penalties may affect earnings.
0.05% interest rate · Effective Sep 21, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Open with a $5 minimum deposit to establish credit union membership. Dividends compounded monthly.
0.05% interest rate · Compounded monthly
Rate checked
More details - Family Trust Federal Credit UnionPrime Share Savings AccountSavings · $5 min
Credit union · 7 branches
0.05%APY$5 a year on $10,000Requirements
Product: $5 statement by mail fee applies to accounts without e-statements (waived with Loyalty Checking, or if under age 18 or over age 60).
0.05% interest rate · Effective Sep 1, 2026
Rate checked
More details - PNCPremiere Money Market AccountPremiere Money Market Account · $1 min · 0.04%–0.05% by balance
Bank · 13 branches
0.05%APY$5 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 Silver Tier Boost. Requires enrollment in Silver Tier based on Average Eligible Balance of $25,000 to $99,999.99.
Qualified rate · 0.05% 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 0.05% $10,000 – $25,000Your amount 0.05% $25,000 – $50,000 0.05% $50,000 – $100,000Standard 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. 0.04% $100,000 – $250,000Standard 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% $250,000 – $500,000Standard 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% $500,000 – $1,000,000Standard 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% $1,000,000 and upStandard 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% Rate checked
More details - 0.05%APY$5 a year on $10,000with conditions
Requirements
Product: Monthly fee of $15 waived by maintaining a minimum daily balance of $10,000 or linking an eligible TD Beyond or TD Complete checking account. Standard and Rate Bump APY tiers available (Rate bump requires linking an eligible TD account).
Offer: Standard APY
Qualified rate · $15 monthly fee · Effective Oct 3, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Represents each member's ownership share of the credit union. $5.00 establishes and maintains membership. Up to six savings withdrawals per calendar month without a fee.
Offer: $100.00 minimum balance to earn dividends. All dividends are posted to member accounts monthly.
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Certificate Rollover Savings account. Variable rates.
0.05% interest rate · Effective Feb 17, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000with conditions
Requirements
Product: Savings with check-writing capability. $12 monthly service fee can be avoided with a $3,500 minimum daily balance each fee period. Relationship rates require linking to an eligible checking account (such as Prime Checking or Premier Checking).
Offer: Relationship rate; requires linking to a Premier Checking account. $12 monthly service fee avoided with $3,500 minimum daily balance.
Qualified rate · 0.05% interest rate · $12 monthly fee · Effective Oct 10, 2026
Rate by balance
Rate by balance for Wells Fargo Platinum Savings Balance APY Any balanceYour amount 0.05% $25,000 and upPromotional rate accurate as of 2026-10-07 for new Platinum Savings accounts for customers who do not have an existing Wells Fargo consumer savings account (or ownership in past 30 days). $12 monthly fee avoided with $3,500 minimum daily balance. 3.25% Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Required account for membership at United Credit Union. Monthly fee waived with another qualifying account relationship (excludes Holiday Club, IRA Money Market, or another Membership Savings).
Offer: Minimum balance to earn APY is $300.00.
0.05% interest rate · Effective Oct 1, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: No stated min balance to avoid fee or earn APY. Same dividends as Prime Share. Dividends calculated by average daily balance method, compounded and credited monthly.
Offer: Minimum balance to avoid fee null. Minimum balance to earn APY null.
0.05% interest rate · Effective Sep 30, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Foundation of CTFCU membership. Par value of one share is $5.00. Dividends calculated by average daily balance method, compounded and credited monthly.
Offer: $5.00/month fee if minimum daily balance of $5.00 is not met. Minimum balance of $5.00 to earn stated APY.
0.05% interest rate · $5 monthly fee · Effective Sep 30, 2026
Rate checked
More details - First Citizens BankMoney Market AccountMoney Market Account · $500 min · 0.05%–0.15% by balance
Bank · 34 branches
0.05%APY$5 a year on $10,000Requirements
Product: Interest rates for money market savings accounts may vary depending on your area.
Offer: Maintain a $1,000 daily balance to avoid a $10 maintenance fee.
$10 monthly fee
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $999 0.05% $1,000 – $9,999 0.05% $10,000 – $24,999Your amount 0.05% $25,000 – $49,999 0.07% $50,000 – $99,999 0.07% $100,000 – $499,999 0.10% $500,000 and up 0.15% 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-SC metro
131 accounts at 42 banks and credit unions · checked Oct 16–22
- Typical
- 0.15%
- Top 10% from
- 2.15%
- 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