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 16–30 results in Winston-Salem, NC metro
- Piedmont Advantage Credit UnionMoney Market AccountMoney Market Account · $1,000 min · 1.35%–2.00% by balance
Credit union · 2 branches
1.35%APY$135 a year on $10,000Requirements
Product: Minimum deposit of $1,000 and maintain this balance or more to start earning dividends. Daily compounding dividends, credited monthly.
Offer: Tiered rate account. Fees, if applicable, could reduce earnings.
1.34% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $1,000 – $250,000Your amount 1.35% Over $250,000 2.00% 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 - Truliant Federal Credit UnionAccelerate Money MarketAccelerate Money Market · $2,500 min · 1.00%–3.45% by balance
Credit union · 7 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 - Summit Credit UnionMoney Market InvestorMoney Market Investor · $10,000 min · 1.00%–2.02% by balance
Credit union · 1 branch
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 - Woodforest National BankEmerald Elite AccountEmerald Elite Account · $25 min · 1.00%–3.00% by balance
Bank · 7 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 - Members Credit UnionMoney Market AccountMoney Market Account · $500 min · 0.75%–2.07% by balance
Credit union · 5 branches
0.75%APY$75 a year on $10,000Requirements
Product: Minimum balance of $500 to open and earn money market rate. If average daily balance falls between $25 and $500, dividends paid at regular savings rate. If balance is below $25, no dividends paid and a low balance fee is charged. No penalty for withdrawal.
0.75% interest rate
Rate by balance
Rate by balance for Money Market Account Balance APY $500 – $49,999Your amount 0.75% $50,000 – $99,999 1.41% $100,000 – $249,999 1.87% $250,000 and up 2.07% Rate checked
More details - 0.75%APY$75 a year on $10,000
Requirements
Product: Savings accounts require $25.00 to open. All share accounts earn 0.00% APY when average daily balance is below $25.00. Fees may reduce earnings.
Offer: All share accounts earn 0.00% APY when average daily balance is below $25.00. Fees may reduce earnings.
0.75% interest rate
Rate checked
More details - 0.75%APY$75 a year on $10,000
Requirements
Product: Requires membership with Members CU. Savings accounts require $25.00 to open. $3 monthly fee waived with an average daily balance of $25 or more each month. All share accounts earn 0.00% APY when average daily balance is below $25.00. Fees may reduce earnings.
Offer: Keep an average daily balance of $25 or more each month to earn dividends and have the $3 monthly fee waived.
0.75% interest rate · $3 monthly fee
Rate checked
More details - Empeople Credit UnionQuick Silver Money Market AccountQuick Silver Money Market Account · $0 min · 0.40%–3.40% by balance
Credit union · 1 branch
0.65%APY$65 a year on $10,000Requirements
Product: Account opening deposit not required. Fees may reduce earnings on this account.
Offer: Level 1
0.40% interest rate
Rate by balance
Rate by balance for Quick Silver Money Market Account Balance APY Up to $5,000 0.40% $5,000 – $10,000Level 2: All-In Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted within the last 31 days and by the end of business day of the last day of the month. Credit Card transactions must be posted between the 27th of previous month and 26th of current month. Excludes ATM and cash transactions. 0.55% $10,000 – $20,000Your amountLevel 2: All-In Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted within the last 31 days and by the end of business day of the last day of the month. Credit Card transactions must be posted between the 27th of previous month and 26th of current month. Excludes ATM and cash transactions. 0.65% $20,000 – $50,000Level 2: All-In Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted within the last 31 days and by the end of business day of the last day of the month. Credit Card transactions must be posted between the 27th of previous month and 26th of current month. Excludes ATM and cash transactions. 1.50% $50,000 – $75,000Level 2: All-In Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted within the last 31 days and by the end of business day of the last day of the month. Credit Card transactions must be posted between the 27th of previous month and 26th of current month. Excludes ATM and cash transactions. 1.55% $75,000 – $100,000Level 2: All-In Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted within the last 31 days and by the end of business day of the last day of the month. Credit Card transactions must be posted between the 27th of previous month and 26th of current month. Excludes ATM and cash transactions. 1.60% $100,000 – $250,000Level 2: All-In Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted within the last 31 days and by the end of business day of the last day of the month. Credit Card transactions must be posted between the 27th of previous month and 26th of current month. Excludes ATM and cash transactions. 3.00% $250,000 – $500,000Level 2: All-In Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted within the last 31 days and by the end of business day of the last day of the month. Credit Card transactions must be posted between the 27th of previous month and 26th of current month. Excludes ATM and cash transactions. 3.30% $500,000 and upLevel 2: All-In Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted within the last 31 days and by the end of business day of the last day of the month. Credit Card transactions must be posted between the 27th of previous month and 26th of current month. Excludes ATM and cash transactions. 3.40% Rate checked
More details - 0.60%APY$60 a year on $10,000
Requirements
Product: Compounding monthly using daily balance method. Minimum opening amount and dividend-earning balance minimum is $500. If balance falls below $500, dividends are not earned. No limit on the number or amount of withdrawals.
Offer: Monthly compounding. Minimum opening amount is $500; if balance falls below $500 dividend-earning minimum, dividends are not earned. Calculated using daily balance method.
0.60% interest rate
Rate checked
More details - Empeople Credit UnionQuick Silver Money Market AccountQuick Silver Money Market Account · $5,000 min · 0.45%–3.00% by balance
Credit union · 1 branch
0.55%APY$55 a year on $10,000Requirements
Product: Account opening deposit not required. Fees may reduce earnings on this account.
Offer: Level 1
0.45% interest rate
Rate by balance
Rate by balance for Quick Silver Money Market Account Balance APY $5,000 – $10,000 0.45% $10,000 – $20,000Your amount 0.55% $20,000 – $50,000 1.40% $50,000 – $75,000 1.45% $75,000 – $100,000 1.50% $100,000 – $250,000 2.40% $250,000 – $500,000 2.90% $500,000 and up 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 - 0.45%APY$45 a year on $10,000with conditions
Requirements
Product: No minimum deposit or daily balance requirement. All-In Member Pricing (Level 2) requires 21+ debit or credit card transactions per month and minimum $1,500 in direct/mobile deposits into a qualifying account within the last 31 days.
Offer: Level 1 base tier.
Qualified rate · 0.45% interest rate · No monthly fee
Rate checked
More details - 0.45%APY$45 a year on $10,000
Requirements
Product: $1,000 minimum average daily balance to avoid a $10 monthly maintenance fee. Interest compounded daily on the collected balance. Rates may change after account is opened.
Offer: $1,000 minimum average daily balance to avoid a $10 monthly maintenance fee. Interest compounded daily on the collected balance.
Compounded daily · $10 monthly fee · Effective Jan 15, 2026
Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: Gateway to membership; member must maintain $5 par value. All share accounts are variable rate.
Offer: No minimum balance to earn dividends.
0.30% interest rate
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 Winston-Salem, NC metro
87 accounts at 25 banks and credit unions · checked Oct 6–22
- Typical
- 0.15%
- Top 10% from
- 2.22%
- Banks, typical
- 0.06%
- Credit unions, typical
- 0.28%
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Winston-Salem, NC metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Allegacy FinancialCredit union · 20 branches
- State Employees' Credit UnionCredit union · 14 branches
- American Pride BankBank · 1 branch