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 Wilmington, NC metro
- 4.00%APY$400 a year on $10,000
Requirements
Product: Applicants must be at least 18 years of age and a U.S. citizen or permanent resident alien with a U.S. government-issued tax identification number (SSN/ITIN). No monthly maintenance fees.
Offer: Must maintain a minimum balance of $0.01 to earn interest. Interest is compounded daily and posted on the last business day of the month. Rates are variable and subject to change without notice.
Compounded daily · No monthly fee · Effective Sep 28, 2026
Rate checked
More details - Sharonview Federal Credit UnionHigh-Yield Savings AccountSavings · $100 min · 0.05%–3.20% by balance
Credit union · 1 branch
3.20%APY$320 a year on $10,000with conditionsRequirements
Product: $100 minimum deposit required to open account. To earn the promoted APY on average daily balances up to $100,000, must maintain an average daily balance of $100.00 and receive at least $100.00 in aggregate ACH deposits each calendar month. No debit card access. Withdrawals in excess of 6 per month incur a $25 fee per withdrawal.
Offer: Applies to average daily balance below $100, or if monthly requirements are not met.
Qualified rate · 0.05% interest rate · Effective Aug 1, 2026
Rate by balance
Rate by balance for High-Yield Savings Account Balance APY Any balance 0.05% $100 – $100,000Your amount 3.20% $100,000 and upSubject to maintaining $100 average daily balance and $100 aggregate ACH deposits. 0.05%* Rate checked
More details - First Carolina BankPlatinum Advantage Money Market AccountPlatinum Advantage Money Market Account · $0 min · 3.00%–3.50% by balance
Bank · 1 branch
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 - 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 - State Employees' Credit UnionMoney Market Share AccountMoney Market Share Account · $250 min
Credit union · 11 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 - State Employees' Credit UnionMoney Market Share AccountMoney Market Share Account · $250 min
Credit union · 11 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. 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 - 2.12%APY$212 a year on $10,000
Requirements
Product: Member must maintain $5 par value. All share accounts are variable rate accounts.
Offer: $5 monthly fee if daily balance is below $500 (waived by maintaining a daily balance of $500 or more). Variable rate. Member must maintain $5 par value.
2.10% interest rate · $5 monthly fee · Effective Oct 1, 2026
Rate checked
More details - Civic Federal Credit UnionMoney Market AccountMoney Market Account · $250 min
Credit union · 1 branch
2.05%APY$205 a year on $10,000Requirements
Product: Open with $250 or more. Maintain a balance of at least $250 to earn dividends; $2 monthly service fee if balance is below $250 on the last day of the month. Dividends compounded daily and paid monthly.
Offer: Minimum deposit of $250 to open account and earn dividends. $2 service fee each month balance is below $250.
Compounded daily
Rate checked
More details - Marine Federal Credit UnionChoice Money Market ShareChoice Money Market Share · $0 min · 0.75%–4.23% by balance
Credit union · 1 branch
1.31%APY$131 a year on $10,000Requirements
Product: Limit of one Choice Money Market Share per Marine FCU account. Debit cards, check writing, and Zelle transfers are restricted. May be used for overdraft protection.
Offer: Dividends compound and credit monthly using the Average Daily Balance method.
Effective Oct 19, 2026
Rate by balance
Rate by balance for Choice Money Market Share Balance APY Up to $3,000 4.23% $3,000 – $5,000 3.20% $5,000 – $10,000 2.12% $10,000 – $15,000Your amount 1.31% $15,000 – $25,000 0.80% $25,000 and up 0.75% Rate checked
More details - Woodforest National BankEmerald Elite AccountEmerald Elite Account · $25 min · 1.00%–3.00% by balance
Bank · 2 branches
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 - Sharonview Federal Credit UnionInvestor Money MarketInvestor Money Market · 0.05%–0.75% by balance
Credit union · 1 branch
0.75%APY$75 a year on $10,000Requirements
Offer: Below $5,000 average daily balance.
0.05% interest rate
Rate by balance
Rate by balance for Investor Money Market Balance APY Any balance 0.05% $5,000 and upYour amount 0.75% Rate checked
More details - First Carolina BankBankMobile Savings AccountSavings · $0 min · 0.01%–0.75% by balance
Bank · 1 branch
0.75%APY$75 a year on $10,000with conditionsRequirements
Product: Must have a BankMobile Checking Account to qualify. Variable rate. Limit 6 transfers or withdrawals per statement cycle.
Offer: Paid for average daily balances up to $15,000.00. Requires a BankMobile Checking Account.
Qualified rate · 0.75% interest rate · No monthly fee · Effective Jul 15, 2026
Rate by balance
Rate by balance for BankMobile Savings Account Balance APY Up to $15,000Your amount 0.75% $15,000 and upAPY for this tier ranges from 0.75% to 0.57% depending on balance (calculation based on a $20,000.00 average daily balance). 0.01%* Rate checked
More details - Marine Federal Credit UnionStandard Money MarketStandard Money Market · $2,500 min · 0.55%–0.75% by balance
Credit union · 1 branch
0.55%APY$55 a year on $10,000Requirements
Offer: Dividends compound and credit monthly using the Average Daily Balance method.
0.55% interest rate · Effective Jul 20, 2026
Rate by balance
Rate by balance for Standard Money Market Balance APY $2,500 – $10,000Your amount 0.55% $10,000 – $25,000 0.60% $25,000 – $50,000 0.65% Over $50,000 0.75% Rate checked
More details - 0.55%APY$55 a year on $10,000with conditions
Requirements
Product: Available to military customers. Requires a Military Advanced Checking account with a minimum automatic funds transfer of $25.00 to keep active. Variable rate subject to change. Limit one account per individual. Reverts to regular savings if requirements are not maintained. 3 free withdrawals per quarter, then $1.50 per withdrawal. $6.50 fee per cycle if daily balance falls below $100.00.
Offer: Tier One: Balances up to $25,000. $5 minimum deposit to open. Variable rate.
Qualified rate · 0.55% interest rate
Rate by balance
Rate by balance for Military Smart Savers Plan Balance APY Up to $25,000Your amount 0.55% $25,001 – $50,000 0.65% $50,000 and up 0.75% 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
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 Wilmington, NC metro
58 accounts at 21 banks and credit unions · checked Oct 6–22
- Typical
- 0.10%
- Top 10% from
- 2.14%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.25%
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Wilmington, NC metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- State Employees' Credit UnionCredit union · 11 branches
- Self-Help Credit UnionCredit union · 1 branch
- Marine Federal Credit UnionCredit union · 1 branch