North Carolina Money Market Rate Trends
Track current and weekly average money market account APYs across all products in North Carolina, view interactive rate trend charts, and compare NC APYs against the national average.
Current North Carolina Money Market Rate Trends
High-Yield Money Market APYs in North Carolina rose by +1.070 this week, pushing the current average APY to 1.917%. Savers depositing in NC are now earning more than they would have last week, when the average stood at 0.847%.
At 1.917%, North Carolina's High-Yield Money Market APY sits +0.527 above the current national average of 1.390%. This above-average spread may reflect more competitive deposit offerings from local banks and credit unions in NC.
The Standard Money Market APY in North Carolina currently averages 1.437%, compared to 1.439% last week. Savers weighing account type should note that standard money market APYs are typically lower than high-yield offerings but may come with fewer balance requirements or restrictions.
The North Carolina money market account rate averages displayed on this page are calculated from our database of over 8,500 banks and credit unions actively operating across the state of North Carolina. Our proprietary systems collect and verify deposit rates daily — tracking what real licensed institutions are actually offering to depositors. Every day we aggregate those individual data points into state-level averages that represent a true, real-market picture of what NC residents are being offered today.
Unlike comparison sites that show only a handful of institutions, MonitorBankRates maintains a continuously updated money market account rate database spanning community banks, regional lenders, national institutions, and credit unions across North Carolina. This scale allows us to calculate averages that reflect the full deposit landscape — not just the most aggressive advertisers — giving savers, journalists, and financial professionals a more accurate benchmark for what APYs actually look like in NC.
Data reflects average APYs offered by licensed institutions operating in NC. Last Updated: April 1, 2026
North Carolina Money Market Rate Trends
Weekly average APYs across all money market products. Hover over the chart to see exact APYs for each week.
As of Apr 1, 2026 • Data provided by MonitorBankRates.com
For Media, Researchers & Real Estate Professionals
Journalists covering North Carolina financial markets, personal finance professionals advising clients on deposit strategy, and academic researchers studying regional banking patterns are welcome to cite and reference this data. All historical NC money market rate data is free to use for editorial, research, and educational purposes.
Please attribute MonitorBankRates.com when referencing our figures in any publication, article, or report — and optionally link to https://www.monitorbankrates.com/money-market-rates/north-carolina/trends. For custom data pulls, contact us here.
