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 1–15 results in Waynesville, NC metro
- State Employees' Credit UnionMoney Market Share AccountMoney Market Share Account · $250 min
Credit union · 1 branch
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 - State Employees' Credit UnionMoney Market Share AccountMoney Market Share Account · $250 min
Credit union · 1 branch
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. Minimum balance to earn dividends is $250; if balance falls below $250 at any time during a statement period, a $2 monthly maintenance fee is assessed.
Compounded daily · $2 monthly fee · Effective Oct 1, 2026
Rate checked
More details - Mountain Credit UnionMoney Market AccountMoney Market Account · $1,000 min · 1.00%–1.50% by balance
Credit union · 1 branch
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 - Telco Community Credit UnionPreferred Money Market AccountPreferred Money Market Account · $250 min · 0.20%–1.31% by balance
Credit union · 1 branch
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 - Woodforest National BankEmerald Elite AccountEmerald Elite Account · $25 min · 1.00%–3.00% by balance
Bank · 1 branch
1.00%APY$100 a year on $10,000Requirements
Product: Tiered money market account. $25.00 monthly minimum balance fee waived if a balance of $10,000.00 or above is maintained each day in the statement period. Up to 6 withdrawals per statement period at no charge ($25.00 fee per excessive withdrawal over 6). Includes custom wallet checks, cashier's checks, money orders, and notary services.
Offer: Emerald Elite 1st Tier. Variable interest rate calculated using daily balance method. $25.00 monthly minimum balance fee waived if a balance of $10,000.00 or above is maintained each day in the statement period.
$25 monthly fee · Effective Sep 14, 2026
Rate by balance
Rate by balance for Emerald Elite Account Balance APY Over $0Your amount 1.00% $100,000 and upEmerald Elite 2nd Tier. 1.50% $250,000 and upEmerald Elite 3rd Tier. 2.00% $500,000 and upEmerald Elite 4th Tier. 3.00% Rate checked
More details - United Community BankUnited Money MarketUnited Money Market · $1,500 min · 0.50%–1.15% by balance
Bank · 1 branch
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 - Champion Credit UnionPersonal Money MarketPersonal Money Market · $1,000 min · 0.20%–2.00% by balance
Credit union · 2 branches
0.50%APY$50 a year on $10,000Requirements
Product: No long-term commitment. No minimum transactions required.
No monthly fee · Effective Jan 1, 2026
Rate by balance
Rate by balance for Personal Money Market Balance APY $1,000 – $5,000 0.20% $5,000 – $25,000Your amount 0.50% $25,000 – $50,000 1.00% $50,000 and up 2.00% 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: Money market savings account with check writing flexibility. $10.00 monthly minimum balance fee waived if a balance of $1,000.00 or above is maintained each day in the statement period. Up to 6 withdrawals per statement period at no charge ($10.00 fee per excessive withdrawal over 6). $3.00 monthly paper statement fee avoided with eStatements.
Offer: Variable interest rate calculated using daily balance method. $10.00 monthly minimum balance fee waived if a balance of $1,000.00 or above is maintained each day in the statement period.
$10 monthly fee · Effective Sep 14, 2026
Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: Main account for every credit union member (Regular Membership Share). $5 deposit remains on hold throughout the length of membership.
Offer: $5 minimum balance to earn dividends. Dividends credited and compounded monthly.
0.20% interest rate · Compounded monthly · Effective Oct 4, 2026
Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: Special designated savings account needs such as taxes, tuition, vacation, down payments; interest accrued daily and paid monthly.
No monthly fee · Effective Jan 1, 2026
Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: Membership share account; interest accrued daily and paid monthly. Minimum opening deposit $5.00.
No monthly fee · Effective Jan 1, 2026
Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Offer: Dividends paid quarterly. Minimum to earn dividends is $100.00.
0.20% interest rate · Effective Jun 6, 2024
Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Offer: Dividends paid quarterly. Minimum to earn dividends is $0.00.
0.20% interest rate · Effective Jun 6, 2024
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 Waynesville, NC metro
25 accounts at 9 banks and credit unions · checked Sep 25–Oct 22
- Typical
- 0.20%
- Top 10% from
- 1.19%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.25%
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Waynesville, NC metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- State Employees' Credit UnionCredit union · 1 branch
- Telco Community Credit UnionCredit union · 1 branch
- Mountain Credit UnionCredit union · 1 branch