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 46–60 results in North Carolina
- 2.00%APY$200 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: Relationship rate for CQB Under $5,000. Requires qualifying relationship product.
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amountRelationship rate for CQB $5,000 to $24,999.99. 2.00% $25,000 – $50,000Relationship rate for CQB $25,000 to $49,999.99. 3.50% $50,000 – $100,000Relationship rate for CQB $50,000 to $99,999.99. 3.50% $100,000 and upRelationship rate for CQB $100,000 and above. 3.50% Rate checked
More details - 1.75%APY$175 a year on $10,000
Requirements
Product: Fees may reduce earnings. Rate may change after account opening. Offers and products are subject to updates, modifications, and/or termination at any time after account opening.
Offer: Fees may reduce earnings. Rate may change after account opening. Promotional offers, products and services are subject to updates, modifications and/or termination at any time after account opening.
Rate checked
More details - Credit Human Federal Credit UnionMoney Market SavingsMoney Market Savings · $1,000 min · 0.30%–2.11% by balance
Credit union · 1 branch
1.75%APY$175 a year on $10,000Requirements
Product: Membership eligibility required with a $5.00 deposit in a share savings account. Variable rate calculated daily and subject to change. Up to six free withdrawals per monthly statement cycle ($2 per additional withdrawal). Monthly service fee of $7 is waived with a $1,000 minimum daily balance.
Offer: Monthly service fee waived with a minimum daily balance of $1,000.
0.30% interest rate · $7 monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Money Market Savings Balance APY Up to $500 0.30% $500 – $1,000 0.50% $1,000 – $10,000 1.50% $10,000 – $90,000Your amount 1.75% $90,000 and up 2.11% Rate checked
More details - 1.60%APY$160 a year on $10,000
Requirements
Product: Must be a Latino Credit Union member.
Offer: Monthly fee of $5 is waived if the $500 minimum balance is maintained. Minimum deposit/balance of $500 must be maintained to earn interest. Must be an LCCU member.
1.59% interest rate · $5 monthly fee · Effective Oct 1, 2026
Rate checked
More details - Nova Credit UnionMoney Market AccountMoney Market Account · $500 min · 1.51%–2.02% by balance
Credit union · 5 branches
1.51%APY$151 a year on $10,000Requirements
Product: Dividends compounded and credited monthly (calendar dividend period). Daily balance calculation method. Account transfer and withdrawal limitations apply; up to three withdrawals per month for free, additional withdrawals are $5 each.
1.50% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $500 and upYour amount 1.51% $100,000 and up 2.02% Rate checked
More details - Allegacy FinancialRetail Money MarketRetail Money Market · $50 min · 1.50%–2.00% by balance
Credit union · 29 branches
1.50%APY$150 a year on $10,000Requirements
Product: 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.
1.49% interest rate · Effective Feb 1, 2026
Rate by balance
Rate by balance for Retail Money Market Balance APY Up to $2,500 1.50% $2,500 – $25,000Your amount 1.50% $25,000 – $50,000 1.80% $50,000 – $100,000 1.90% $100,000 and up 2.00% Rate checked
More details - 1.36%APY$136 a year on $10,000
1.35% interest rate · Effective Jan 1, 2025
Rate checked
More details - Piedmont Advantage Credit UnionMoney Market AccountMoney Market Account · $1,000 min · 1.35%–2.00% by balance
Credit union · 6 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 - Centra Credit UnionHigh Interest Money Market SavingsHigh Interest Money Market Savings · $0 min · 1.35%–3.35% by balance
Credit union · 1 branch
1.35%APY$135 a year on $10,000Requirements
Product: Deposits in excess of $1,000,000 will require a special rate quote which may differ from posted rates. Unlimited withdrawals.
1.34% interest rate · No monthly fee · Effective Aug 11, 2026
Rate by balance
Rate by balance for High Interest Money Market Savings Balance APY Up to $24,999Your amount 1.35% $25,000 – $49,999 1.40% $50,000 – $249,999 1.45% $250,000 – $499,999 1.60% $500,000 – $999,999 2.10% $1,000,000 – $2,999,999 3.20% $3,000,000 and up 3.35% Rate checked
More details - Marine Federal Credit UnionChoice Money Market ShareChoice Money Market Share · $0 min · 0.75%–4.23% by balance
Credit union · 12 branches
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 - HealthShare Credit UnionSuper Rate AccountSavings · $1,000 min · 1.13%–1.31% by balance
Credit union · 3 branches
1.31%APY$131 a year on $10,000Requirements
Product: Tiered rate structure with no penalty for early withdrawal. Minimum investment starting at $1,000.
1.13% interest rate · Effective Aug 1, 2026
Rate by balance
Rate by balance for Super Rate Account Balance APY $1,000 – $9,999 1.13% $10,000 and upYour amount 1.31% Rate checked
More details - HealthShare Credit UnionSuper Rate AccountSuper Rate Account · $1,000 min · 1.13%–1.31% by balance
Credit union · 3 branches
1.31%APY$131 a year on $10,0001.13% interest rate · Effective Aug 1, 2026
Rate by balance
Rate by balance for Super Rate Account Balance APY $1,000 – $9,999 1.13% $10,000 and upYour amount 1.31% Rate checked
More details - Revity Federal Credit UnionMoney Market AccountMoney Market Account · $500 min · 1.26%–1.71% by balance
Credit union · 3 branches
1.31%APY$131 a year on $10,000Requirements
Product: Membership eligibility required. Minimum balance of $500 required to open and earn dividends; if balance falls or remains below $500, a $5/month service fee is charged. Dividends are compounded, calculated on the average daily balance, and paid monthly.
Offer: Minimum opening balance of $500 to open and earn dividends. $5/month service fee if balance falls or remains below $500.
1.25% interest rate · $5 monthly fee · Effective Jul 1, 2023
Rate by balance
Rate by balance for Money Market Account Balance APY $500 – $9,999 1.26% $10,000 – $49,999Your amount 1.31% $50,000 – $99,999 1.51% $100,000 and up 1.71% Rate checked
More details - First Flight Credit UnionStandard Money MarketStandard Money Market · $250 min · 1.00%–1.51% by balance
Credit union · 5 branches
1.26%APY$126 a year on $10,000Requirements
Product: Membership eligibility required. Must maintain minimum required share ($25 par value) in a Primary Savings account. Minimum opening deposit of $250. No minimum balance requirement after initial deposit.
Offer: Dividend rate and APY apply to the full balance of the account once tier is met.
1.00% interest rate
Rate by balance
Rate by balance for Standard Money Market Balance APY Up to $10,000 1.00% $10,000 – $25,000Your amount 1.26% $25,000 – $50,000 1.26% $50,000 and up 1.51% Rate checked
More details - Lion's Share Federal Credit UnionMoney MarketMoney Market · $500 min · 1.00%–1.50% by balance
Credit union · 1 branch
1.25%APY$125 a year on $10,000Requirements
Product: A minimum balance of $500.00 is required to open the account and at least $500.00 must be in the account to earn the monthly dividend. Dividends are paid on the last day of every month and are calculated using the account's average daily balance for the month. Membership required.
1.00% interest rate · Effective Sep 21, 2026
Rate by balance
Rate by balance for Money Market Balance APY $500 – $10,000 1.00% $10,000 – $100,000Your amount 1.25% $100,000 and up 1.50% 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