Compare Savings Rates in North Carolina – March 2026

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Best Savings Rates in North Carolina

Content reviewed by

Brian McKay

Current North Carolina Savings Rates and MMA Rates

Current rates from Fsnb include a Cents-able Savings at 7.00% APY. Acclaim Federal Credit Union is offering a Kid Connect Savings in North Carolina with an APY of 6.00%. Acclaim Federal Credit Union is offering a Teen Connect Savings in North Carolina with an APY of 6.00%. Current rates from Excite Credit Union include a Go Savings at 5.00% APY.

Find the best savings and money market rates in North Carolina today. Our real-time rate table below compares offers from top lenders to help you grow your savings. Whether you are looking for a traditional savings account or a high-yield option in NC, comparing APYs is the best way to maximize your interest earnings.

The following rates reflect recent market quotes and representative offers available to North Carolina depositors. Actual savings rates may vary by financial institution and market conditions.

Last Updated and Verified: March 5, 2026

Savings Rates in North Carolina and Area

• Cents-able Savings:
7.00%
• Kid Connect Savings:
6.00%
• Teen Connect Savings:
6.00%
• Go Savings:
5.00%
• Choice Money Market:
4.07%

Rates shown are recent market averages and representative quotes. Actual rates may vary.

Last Updated and Verified: March 5, 2026

Best North Carolina and Area Savings Rates & Money Market Rates

Bank / Credit Union

Product

APY

Min Deposit

Fsnb Wilmington, NC

Cents-able Savings

7.00%

▼

Rate 7.00%

Min Deposit $5

Last Updated 03/05/2026

Details Minimum Balance to Open Account: $5.00

Acclaim Federal Credit Union Greensboro, NC

Kid Connect Savings

6.00%

▼

Rate 6.00%

Min Deposit $0

Last Updated 03/05/2026

Details Earns 6.00 APY on balances up to $3,000; 0.05 APY on balances over $3,000

Acclaim Federal Credit Union Greensboro, NC

Teen Connect Savings

6.00%

▼

Rate 6.00%

Min Deposit $0

Last Updated 03/05/2026

Details Earns 6.00 APY on balances up to $3,000; 0.05 APY on balances over $3,000

Excite Credit Union Wilmington, NC

Go Savings

5.00%

▼

Rate 5.00%

Min Deposit $5

Last Updated 03/05/2026

Details bonus dividend rate of 5.00% APY* is paid on the first $2,500 balance in the account for the first 12 months**** beginning on the date the account is opened! For example, accounts opened in April will earn the bonus dividend from the date the account is opened through April of the following year.

Marine Federal Credit Union Wilmington, VA

Choice Money Market

4.07%

▼

Rate 4.07%

Min Deposit $0

Last Updated 03/05/2026

Details Limit of one per account. No Debit Card or Check access allowed. May be used for overdraft protection.

First Flight Federal Credit Union New Bern, NC

Prestige Money Market Accounts

4.07%

▼

Rate 4.07%

Min Deposit $0

Last Updated 03/05/2026

Details Up to $49,999.99*

Acclaim Federal Credit Union Greensboro, NC

Money Market

4.00%

▼

Rate 4.00%

Min Deposit $0

Last Updated 03/05/2026

Details

Blue Ridge Bank National Association Greensboro, NC

Youth Savings Account

3.82%

$100

▼

Rate 3.82%

Min Deposit $100

Last Updated 03/05/2026

Details

Live Oak Bank Wilmington, NC

High-Yield Personal Savings

3.80%

▼

Rate 3.80%

Min Deposit $0

Last Updated 03/05/2026

Details No minimum required to open.

Truliant Federal Credit Union Wytheville, VA

Accelerate Money Market Special

3.75%

$25,000

▼

Rate 3.75%

Min Deposit $25,000

Last Updated 03/05/2026

Details The rate is guaranteed through April 30, 2026. Rolls over to an Accelerate Money Market where standard tiered rates apply when the promotional rate expires. To receive the 3.75% APY, the daily balance must remain at $25,000 or greater. If the minimum daily balance falls below $25,000, the 1.000% APY applies. The minimum deposit to open an Accelerate Money Market Special is $25,000. The initial $25,000 must be from funds not already on deposit at Truliant. After the initial $25,000, existing Truliant funds can be transferred. A $10 monthly fee will be charged if your average monthly balance falls below $2,500. A $10 fee will be charged to each withdrawal over the allowable limit of six (6) withdrawals per month. Fees may reduce the earnings on the account. Rate are variable and may change after the account is opened. Not available on Business or IRA accounts.

Corporate America Family Credit Union High Point, NC

Business Prosperity Savings

3.75%

$1,000

▼

Rate 3.75%

Min Deposit $1,000

Last Updated 03/05/2026

Details intro rate subject to change; Promotional offer starts on 9/15/25 and is valid for a limited time only. Promotional rate of 3.75% APY applies to new Business Prosperity accounts opened with a minimum balance of at least $1,000.00; if balance falls below $1,000, the account will be closed and the remaining funds will be transferred to your Regular Share Account. Existing CAFCU savings accounts are excluded from this offer. To qualify for this offer, funds must be moved from another financial institution. This means qualifying funds must not currently be on deposit at CAFCU. Rates subject to change at any time and without notice. To qualify for the promotional rate, your accounts must be in good standing, and you must open a new Business Prosperity account. At the end of the promotional term, the standard savings rates will apply. Dividends are calculated daily and paid monthly. Your savings are federally insured up to at least $250,000 and backed by the full faith and credit of the United States Government. Contact CAFCU for complete details.

Riverside Savings Bank Roanoke Rapids, NC

Choice Money Market

3.71%

▼

Rate 3.71%

Min Deposit $0

Last Updated 03/05/2026

Details

Langley Federal Credit Union Raleigh, NC

High-Yield Savings

3.60%

▼

Rate 3.60%

Min Deposit $0

Last Updated 03/05/2026

Details Earns 3.60% APY on balances Up to $25,000; 0.05% interest on Greater than $25,000

Acclaim Federal Credit Union Greensboro, NC

Money Market

3.50%

▼

Rate 3.50%

Min Deposit $0

Last Updated 03/05/2026

Details

Baxter Credit Union Marion, NC

Money Market Special Intro rate

3.50%

▼

Rate 3.50%

Min Deposit $0

Last Updated 03/05/2026

Details $15,000+

ABNB Federal Credit Union Moyock, NC

ProBiz Money Market

3.50%

▼

Rate 3.50%

Min Deposit $0

Last Updated 03/05/2026

Details

Audubon Federal Credit Union Goldsboro, NC

Youth Savings

3.50%

▼

Rate 3.50%

Min Deposit $0

Last Updated 03/05/2026

Details Max Balance: $2,500.00

Truist Zephyrhills, WV

Small Business Money Market Account

3.40%

▼

Rate 3.40%

Min Deposit $0

Last Updated 03/05/2026

Details Eligible clients can earn a 3.40% annual percentage yield (APY) with a new Truist Business Money Market account.

PNC Bank Zebulon, NC

PNC High Yield Savings�

3.30%

▼

Rate 3.30%

Min Deposit $1

Last Updated 03/05/2026

Details

Truliant Federal Credit Union Wytheville, VA

Accelerate Money Market

3.25%

$2,500

▼

Rate 3.25%

Min Deposit $2,500

Last Updated 03/05/2026

Details $2,500 minimum opening deposit

CapStar Bank Asheville, NC

Money Market

3.25%

$20,000

▼

Rate 3.25%

Min Deposit $20,000

Last Updated 03/05/2026

Details Earn a competitive rate when you open a Market Monitor account with a minimum $20,000 in new money.

Old National Bank Asheville, NC

Money Market Offer

3.25%

▼

Rate 3.25%

Min Deposit $0

Last Updated 03/05/2026

Details Earn 3.25% APY with Old National Bank. Open a Market Monitor account (money market) and take advantage of our offer.

UNIFY Financial Federal Credit Union Liberty, NC

Money Market Plus Account

3.25%

▼

Rate 3.25%

Min Deposit $0

Last Updated 03/05/2026

Details as high as

Blue Ridge Bank National Association Greensboro, NC

Business Money Market

3.22%

▼

Rate 3.22%

Min Deposit $0

Last Updated 03/05/2026

Details

Byline Bank Charlotte, NC

Advantage Money Market Account

3.20%

$25,000

▼

Rate 3.20%

Min Deposit $25,000

Last Updated 03/05/2026

Details $25,000 minimum to open account. $25,000 minimum to earn 3.20% APY. Must be opened with New Money, defined as new-to-Byline.

Truliant Federal Credit Union Wytheville, VA

High Yield Rewards Savings Premium Rate

3.20%

▼

Rate 3.20%

Min Deposit $0

Last Updated 03/05/2026

Details

The Huntington National Bank Winston Salem, NC

High-Yield Money Market

3.20%

$25,000

▼

Rate 3.20%

Min Deposit $25,000

Last Updated 03/05/2026

Details Minimum of $25,000 not currently deposited at Huntington. Get your variable rate after opening a Huntington Relationship Money Market Account when you maintain deposits of $25,000.00 - $2,000,000.99.

The Huntington National Bank Winston Salem, NC

Huntington Relationship Money Market Account

3.20%

$25,000

▼

Rate 3.20%

Min Deposit $25,000

Last Updated 03/05/2026

Details The special interest rate for the Huntington Relationship Money Market Account (HRMMA) with balances between $25,000.00 to $2,000,000.99 is between 3.15%-3.75% with an APY of 3.20% APY-3.82% based on your zip code. The interest rate is variable and subject to change at any time.

Blue Ridge Bank National Association Greensboro, NC

Platinum Money Market

3.20%

▼

Rate 3.20%

Min Deposit $0

Last Updated 03/05/2026

Details

Blue Ridge Bank National Association Greensboro, NC

Signature Money Market

3.20%

▼

Rate 3.20%

Min Deposit $0

Last Updated 03/05/2026

Details

REV Wilmington, NC

Business Money Market

3.15%

▼

Rate 3.15%

Min Deposit $0

Last Updated 03/05/2026

Details

Civic Federal Credit Union Raleigh, NC

Health Savings Account

3.15%

▼

Rate 3.15%

Min Deposit $0

Last Updated 03/05/2026

Details

REV Wilmington, NC

Money Market

3.15%

▼

Rate 3.15%

Min Deposit $0

Last Updated 03/05/2026

Details

Blue Ridge Bank National Association Greensboro, NC

Municipal Money Market

3.07%

▼

Rate 3.07%

Min Deposit $0

Last Updated 03/05/2026

Details

Centra Credit Union Whitakers, NC

Business & Public Funds Premium Money Market Savings

3.05%

▼

Rate 3.05%

Min Deposit $0

Last Updated 03/05/2026

Details $3,000,000 - $4,999,999

State Employees Credit Union ZEBULON, NC

Health Savings Account

3.05%

▼

Rate 3.05%

Min Deposit $0

Last Updated 03/05/2026

Details

North Carolina Press Association Federal Credit Union Raleigh, NC

Health Savings Account (HSA)

3.05%

▼

Rate 3.05%

Min Deposit $0

Last Updated 03/05/2026

Details

Centra Credit Union Whitakers, NC

High Interest Money Market Savings

3.05%

▼

Rate 3.05%

Min Deposit $0

Last Updated 03/05/2026

Details

Movement Bank Randleman, NC

Movement Rewards Savings

3.05%

$100

▼

Rate 3.05%

Min Deposit $100

Last Updated 03/05/2026

Details Earns up to 3.05% APY on balances up to $50,000; If you do not meet the qualifications listed above during the monthly statement cycle, the entire balance of the account will earn 0.25% APY.

Blue Ridge Bank National Association Greensboro, NC

Signature Money Market

3.05%

▼

Rate 3.05%

Min Deposit $0

Last Updated 03/05/2026

Details

Marine Federal Credit Union Wilmington, VA

Jumbo Money Market

3.04%

$100,000

▼

Rate 3.04%

Min Deposit $100,000

Last Updated 03/05/2026

Details No check access allowed. Withdrawals are restricted.

Ukrainian Federal Credit Union Matthews, NC

Money Market

3.04%

▼

Rate 3.04%

Min Deposit $0

Last Updated 03/05/2026

Details Earns 3.04% APY on balances $250,000.00 - $999,999.99

Blue Ridge Bank National Association Greensboro, NC

Municipal Money Market

3.03%

▼

Rate 3.03%

Min Deposit $0

Last Updated 03/05/2026

Details

Truliant Federal Credit Union Wytheville, VA

Accelerate Money Market

3.00%

$2,500

▼

Rate 3.00%

Min Deposit $2,500

Last Updated 03/05/2026

Details $2,500 minimum opening deposit

Champion Credit Union Canton, NC Waynesville, NC

Business Money Market

3.00%

▼

Rate 3.00%

Min Deposit $0

Last Updated 03/05/2026

Details Average Daily Balance $100,000.00 or more

Fort Financial Federal Credit Union Gastonia, NC

Business Money Market Accounts

3.00%

▼

Rate 3.00%

Min Deposit $0

Last Updated 03/05/2026

Details **$100 minimum opening deposit

COASTAL RTP, NC

High Yield IRA Savings Account

3.00%

▼

Rate 3.00%

Min Deposit $0

Last Updated 03/05/2026

Details

COASTAL RTP, NC

High Yield Savings Premium Tier

3.00%

$25

▼

Rate 3.00%

Min Deposit $25

Last Updated 03/05/2026

Details Average Daily Balances of $10,000 or more

Acclaim Federal Credit Union Greensboro, NC

Money Market

3.00%

▼

Rate 3.00%

Min Deposit $0

Last Updated 03/05/2026

Details

Atlanta Postal Credit Union Asheville, NC

Money Market

3.00%

$2,500

▼

Rate 3.00%

Min Deposit $2,500

Last Updated 03/05/2026

Details Monthly Service Charge is $10.00. For March 1, 2026

Disclaimer

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for North Carolina directly from the official websites of banks and credit unions using a combination of our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling this data straight from the institutions' own digital properties and manually verifying the yields daily, we ensure that every savings rate displayed on savingsaccount.monitorbankrates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems and team constantly monitor the market to provide a complete picture of available yields in North Carolina. We feature a comprehensive mix of financial institutions, allowing you to easily compare localized savings rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield savings accounts from large national institutions available to savers in NC.

Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly based on market conditions, every single savings product listed on our platform features its own specific "last updated" date. This gives you absolute transparency into exactly when that specific yield was confirmed.

Disclaimer: Savings rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions in North Carolina. It is always advisable to check with the specific financial institution's official website for the most current offers and terms. Last Updated and Verified: March 5, 2026

How to Find the Best Savings Account in North Carolina

Compare APY (Annual Percentage Yield) The APY determines how much interest you will earn in a year. Unlike simple interest, APY includes compound interest. Always look for the highest APY to maximize your earnings.
Check Minimum Deposit Requirements Some high-yield savings accounts require a large initial deposit (e.g., $5,000 or $10,000) to earn the advertised rate. Ensure you can meet these minimums before applying.
Review Monthly Fees Avoid accounts that charge monthly maintenance fees, as these can eat into your interest earnings. Many online banks and credit unions offer no-fee savings accounts.
Verify FDIC or NCUA Insurance Ensure your money is safe. Banks should be FDIC insured, and Credit Unions should be NCUA insured. This protects your deposits up to $250,000 per depositor.

Frequently Asked Questions for North Carolina

What are the current savings rates in North Carolina and the surrounding area ▼

Below is a list of current savings and money market rates available for North Carolina. We track lenders daily to provide the most up-to-date APY and term information.

Lender / Product

APY

Min Dep

Fsnb

Cents-able Savings

7.00%

Acclaim Federal Credit Union

Kid Connect Savings

6.00%

Acclaim Federal Credit Union

Teen Connect Savings

6.00%

Excite Credit Union

Go Savings

5.00%

Marine Federal Credit Union

Choice Money Market

4.07%

Lender / Product

APY

Min Dep

First Flight Federal Credit Union

Prestige Money Market Accounts

4.07%

Acclaim Federal Credit Union

Money Market

4.00%

Blue Ridge Bank National Association

Youth Savings Account

3.82%

$100

Live Oak Bank

High-Yield Personal Savings

3.80%

Truliant Federal Credit Union

Accelerate Money Market Special

3.75%

$25,000

Last Updated and Verified: March 5, 2026

What is a High-Yield Savings Account? ▼

A high-yield savings account is a type of savings account that pays a significantly higher interest rate (APY) than standard savings accounts. These are often offered by online banks that have lower overhead costs than traditional brick-and-mortar banks.

Are online savings accounts safe? ▼

Yes, as long as the online bank is FDIC insured. This provides the same level of protection (up to $250,000 per depositor) as a traditional bank. Always check for the FDIC logo on the bank's website.

Can I withdraw money from a savings account anytime? ▼

Yes, but there are limits. Federal Regulation D used to limit certain withdrawals to 6 per month, though this has been suspended. However, individual banks may still enforce transaction limits or charge fees for excessive withdrawals.

Do savings rates change? ▼

Yes, savings rates are variable and can change at any time based on the Federal Reserve's benchmark interest rates and market conditions. Unlike a CD (Certificate of Deposit), your savings rate is not locked in.