Winston Salem, North Carolina Money Market Rates for October 2026
Brian McKay
Brian McKay
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Winston Salem, North Carolina money market account rates range from 0.04% to 3.85% APY, verified by MonitorBankRates as of October 31, 2026. Current Winston Salem, North Carolina and the surrounding area money market deposit account rates include The Huntington National BankThe Huntington National Bank751 W 4th St, Winston Salem, NC 27101A+5.0 ★Texas Ratio: 3.66%Real return: +0.15%APY minus 3.7% CPIRate verified Oct 31, 2026 Relationship Money Market Account - With Huntington Perks Checking at 3.85% APY, Truliant Federal Credit UnionTruliant Federal Credit Union3200 Truliant Way, Winston Salem, NC 27103A5.0 ★Texas Ratio: 6.43%Real return: +0.10%APY minus 3.7% CPIRate verified Oct 31, 2026 Accelerate Money Market Special at 3.80% APY, VirtualBankVirtualBank4701 Country Club Rd, Winston Salem, NC 27104A+5.0 ★Texas Ratio: 5.76%Real return: -0.19%APY minus 3.7% CPIRate verified Oct 31, 2026 eMoney Market Special at 3.51% APY, Allegacy Federal Credit UnionAllegacy Federal Credit Union1691 Westbrook Plaza Dr, Winston Salem, NC 27103 2993A+5.0 ★Texas Ratio: 4.25%Real return: -0.25%APY minus 3.7% CPIRate verified Oct 29, 2026 Feature Money Market Account at 3.45% APY, and American Partners Federal Credit UnionAmerican Partners Federal Credit Union1405 Trademart Blvd, Winston Salem, NC 27127 5645A+5.0 ★Texas Ratio: 2.01%Real return: -0.70%APY minus 3.7% CPIRate verified Oct 29, 2026 Money Market Tiered Accounts at 3.00% APY. Money market rates as of October 31, 2026 according to verified data from MonitorBankRates.
Winston Salem has 19 local institutions in our database, with money market rates as high as 3.85% APY from The Huntington National Bank at 751 W 4th St, Winston Salem, NC 27101. Use the table below to compare all available offers, including options from institutions serving the broader North Carolina area. Rates are continually updated, so we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Winston Salem, North Carolina and surrounding area. Last Updated and Verified: October 31, 2026
Compare the Best Money Market Rates Today in Winston Salem, North Carolina & the Surrounding Area
Balance: $25,000.00 to $2,000,000.99; Requires open Huntington Perks Checking account; Minimum balance to earn interest is $25,000.00 and must be new money to Huntington; Rate effective Oct 30, 2026; Rate based on 43215 ZIP code
- Oct 31, 20263.85%▲ from 3.35%
- Sep 18, 20263.35%first recorded
Balance: $25,000.00 to $2,000,000.99; Requires open Huntington Platinum Perks Checking account; Minimum balance to earn interest is $25,000.00 and must be new money to Huntington; Rate effective Oct 30, 2026; Rate based on 43215 ZIP code
- Oct 31, 20263.85%▲ from 3.35%
- Sep 18, 20263.35%first recorded
Balance: $25,000 or greater to earn 3.80% APY; 1.000% APY applies if minimum daily balance falls below $25,000; rate is variable and rolls over to Accelerate Money Market
$25,000; Minimum Daily Balance Required: $25,000
Special rate for new accounts opened today; Balance: not stated
$2,500; Balance: $250,000 and over
Balance: Up to $250,000.00; APY accurate as of 02.01.26; Limit one account per member
Minimum Daily Balance Required: $250,000
- Sep 27, 20263.25%▲ from 3.00%
- Sep 18, 20263.00%first recorded
Minimum Daily Balance Required: $250,000
- Sep 27, 20263.25%▲ from 3.00%
- Sep 24, 20263.00%first recorded
$2,500; Balance: $100,000 (next tier begins at $250,000)
$2,500; Minimum Daily Balance Required: $100,000
$2,500; Balance: $75,000 (next tier begins at $100,000)
$2,500; Minimum Daily Balance Required: $75,000
Balance: $0 to $2,499; Tier #1
Daily balance $500,000.00
Balance: $500,000.00 or more
$2,500; Balance: $50,000 (next tier begins at $75,000)
$2,500; Minimum Daily Balance Required: $50,000
Balance: $25,000.00 - $2,000,000.99; APY range 2.70%-3.75% and rate range 2.67%-3.69% based on zip code; variable rate, subject to change; minimum $25,000 new money not currently deposited at Huntington; Relationship Money Market Account; $25 monthly fee if balance below $25,000 and no Perks Checking or Platinum Perks Checking
$2,500; Balance: $25,000 (next tier begins at $50,000)
$2,500; Minimum Daily Balance Required: $25,000
Daily balance $250,000.00 to $499,999.99
Balance: $250,000.00 to $499,999.99
Balance: $0.00 - $24,999.99; Limited time offer; requires minimum opening deposit of at least $25,000 in new money not currently on deposit with Atlantic Union Bank; not available for business accounts
Balance: Over 100,000
- Oct 1, 20262.25%▼ from 3.25%
- Sep 14, 20263.25%first recorded
- Oct 9, 20262.20%▲ from 2.07%
- Sep 14, 20262.07%first recorded
Effective Date: October 1, 2026
Compare table: Dividends 2.10 %; Digital Banking Access listed
Balance: Daily balance $250,000.00
Balance: $250,000 or more; Open Account: 1-800-951-8000
- Oct 9, 20262.07%▲ from 1.92%
- Sep 14, 20261.92%first recorded
Balance: $200,000 or greater; Compounding: Monthly
Daily balance $100,000.00 to $249,999.99
Balance: Daily balance $100,000.00 to $249,999.99
Balance: $100,000.00 to $249,999.99
Balance: $100,000.00 or more
Balance: $250,000.01 or greater; Tiered rate account; APY is Annual Percentage Yield
Balance: 50,000 to 100,000
- Oct 1, 20261.95%▼ from 2.68%
- Sep 18, 20262.68%first recorded
Balance: Daily balance $50,000.00 to $99,999.99
Balance: $50,000.00 to $99,999.99
Balance: $100,000-249,999; Open Account: 1-800-951-8000
- Oct 9, 20261.87%▲ from 1.71%
- Sep 21, 20261.71%first recorded
Balance: Daily balance $10,000.00 to $49,999.99
Balance: $25,000.00 to $49,999.99
Featured homepage rate
- Oct 26, 20261.75%▲ from 1.67%
- Sep 18, 20261.67%first recorded
Minimum deposit must be maintained to earn interest; Effective as of October 1st, 2026
Minimum deposit must be maintained to earn interest; Effective as of October 1st, 2026
Balance: 25,000 to 49,999
- Oct 1, 20261.55%▼ from 2.45%
- Sep 18, 20262.45%first recorded
Balance: $100,000 to $199,999.99; Compounding: Monthly
Balance: Daily balance to $9,999.99; Balance less than $10,000.00 earns base rate of 1.50% APY
Balance: $2,500.00 to $24,999.99
Balance: $50,000-99,999; Open Account: 1-800-951-8000
- Oct 9, 20261.41%▲ from 1.26%
- Sep 21, 20261.26%first recorded
Balance: $1,000.00-$250,000.00; Tiered rate account; APY is Annual Percentage Yield
Balance: $50,000 to $99,999.99; Compounding: Monthly
Balance: $500,000.00 - $999,999,999.99
Balance: $500,000.00 - $999,999,999.99
Balance: 5,000 to 24,999
- Oct 1, 20261.15%▼ from 1.79%
- Sep 18, 20261.79%first recorded
$2,500; Balance: $0 (next tier begins at $2,500)
$2,500; Minimum Daily Balance Required: $0
Balance: $10,000 to $49,999.99; Compounding: Monthly
Balance: $250,000+
Balance: $250,000.00 - $499,999.99
Balance: $250,000.00 - $499,999.99
Balance: $100,000.00 - $249,999.99
Balance: $100,000.00 - $249,999.99
Balance: $100,000 - $249,999.99
Balance: $50,000.00 - $99,999.99
Balance: $50,000.00 - $99,999.99
Balance Required to Earn APY: $0.01; Transaction Limits: Limited
Balance: $2,000,001.00 and over; earns 0.25% APY
Balance: $2,000,001.00 to $99,999,999,999.99; Non-Relationship Rate; Rate effective Oct 30, 2026; Rate based on 43215 ZIP code
- Oct 31, 20260.25%▲ from 0.05%
- Sep 27, 20260.05%▼ from 0.25%
- Sep 14, 20260.25%first recorded
Balance: $25,000 - $99,999.99
Balance: $25,000.00 - $49,999.99
Balance: $25,000.00 - $49,999.99
Balance: $2,500 - $9,999.99
Balance: $2,500 - $9,999.99
Balance: $50,000 - $99,999
Balance: $0.00 - $24,999.99
Balance: $0 - $24,999
Balance: $100,000.00 - $249,999.99; Select Tier: Platinum Tier ($500,000 or more)
Balance: $100,000.00 - $249,999.99; Select Tier: Gold Tier ($100,000 to $499,999.99)
Balance: $1.00 - $9,999.99; Select Tier: Platinum Tier ($500,000 or more)
Balance: $1.00 - $9,999.99; Select Tier: Gold Tier ($100,000 to $499,999.99)
Balance: $100,000.00 - $249,999.99; Select Tier: Silver Tier ($25,000 to $99,999.99)
Balance: $1.00 - $9,999.99; Select Tier: Silver Tier ($25,000 to $99,999.99)
Balance: $25,000.00 to $99,999.99; Standard Pricing; Zip-based rate (43215)
- Sep 27, 20260.05%▼ from 3.25%
- Sep 14, 20263.25%first recorded
Balance: $1.00 - $9,999.99
Balance: $0.01 to $24,999.99; Requires open Huntington Perks Checking account; Rate effective Oct 30, 2026; Rate based on 43215 ZIP code
Balance: $0.01 to $24,999.99; Requires open Huntington Platinum Perks Checking account; Rate effective Oct 30, 2026; Rate based on 43215 ZIP code
Balance: $100,000+; Minimum Daily Balance to Avoid Service Charge: $1,000; Monthly Service Charge: $3.00; Minimum Daily Balance to Obtain APY: $100,000
Balance: $100,000 - $249,999.99; Personal and Commercial; Available in-branch only; APY effective 08/13/2026
Wilmington Branch Only; Balance: $1,000,000 and above; Advertised rate effective March 12, 2026; available only to new funds deposited; Thalian theatergoers: bring ticket to Wilmington office (5815 Oleander Drive, Suite 100) within 90 days of printed show date; rate is variable; $25 monthly fee if balance drops below $2,500
Balance: $25,000 to $49,999.99; New U.S. Bank Elite Money Market clients only; requires deposit of at least $25,000 within 30 days of opening and daily balance of at least $25,000 maintained
Balance: $50,000.00 and above; On Amounts $50,000 And Above; Minimum to open is $1,000; Average daily balance of $1,000 required to avoid monthly fee; Fees could reduce earnings
Balance: $0 - $99,999.99; Personal and Commercial; Available in-branch only; APY effective 08/13/2026
Wilmington Branch Only; Balance: $250,000 - $999,999; Advertised rate effective March 12, 2026; available only to new funds deposited; Thalian theatergoers: bring ticket to Wilmington office (5815 Oleander Drive, Suite 100) within 90 days of printed show date; rate is variable; $25 monthly fee if balance drops below $2,500
Balance: Greater than or equal to $25,000.00
Balance: Greater than or equal to $25,000.00
Balance: $250,000.00 & Up; APY stated effective 10/22/2026; Fees may reduce earnings
$25,000 minimum to open account. $25,000 minimum to earn 3.15% APY.
Wilmington Branch Only; Balance: $0 - $249,000; Advertised rate effective March 12, 2026; available only to new funds deposited; Thalian theatergoers: bring ticket to Wilmington office (5815 Oleander Drive, Suite 100) within 90 days of printed show date; rate is variable; $25 monthly fee if balance drops below $2,500
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Winston Salem, NC Money Market Rate Trends
Compare local Winston Salem, NC money market quotes against the statewide average
Daily money market rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
North Carolina high-yield MMA rates fell 0.018 points over the past 7 days to 3.151% APY.
North Carolina standard MMA rates rose 0.032 points over the past 7 days to 0.800% APY.
Winston Salem, North Carolina Money Market Rate Forecast, Next 12 Months
Money market rates move with Federal Reserve policy. Our model uses the current NC high-yield MMA average and a Fed funds spread to project the likely rate trajectory for 2026 to 2027.
Money market account rates are variable and move in close correlation with the Federal Reserve’s federal funds rate target. Our 12-month forecast is derived from the current NC high-yield money market average of 3.151% APY and a Fed funds spread model calibrated to the historical relationship between policy rate changes and deposit rate adjustments at banks and credit unions.
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; deposit rates at banks and credit unions track policy-rate changes within 60 to 90 days. High-yield money market rates tend to adjust faster than standard branch-based accounts.
Important notice: This forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions in Winston Salem, North Carolina.
Money Market Account Earnings in Winston Salem, North Carolina
Annual interest earnings at current NC average APYs, based on the high-yield and standard money market averages tracked in our database. Balances reflect the higher minimums typical of money market accounts. Compounding assumed monthly.
| Balance | HY Money Market (3.151% APY) | Monthly Earnings | Standard MMA (0.800% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $315.13 / year | $26.26 | $79.95 / year | $6.66 |
| $25,000 | $787.82 / year | $65.65 | $199.88 / year | $16.66 |
| $50,000 | $1,575.65 / year | $131.30 | $399.75 / year | $33.31 |
| $100,000 | $3,151.30 / year | $262.61 | $799.50 / year | $66.63 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, rate tier, and daily balance maintained. Rates are variable and subject to change. Source: Winston Salem, North Carolina money market rate averages as of October 31, 2026. | ||||
About Our Winston Salem, North Carolina Money Market Rate Database
MonitorBankRates found 19 institutions with branches in Winston Salem (9 banks, 10 credit unions), plus 27 additional state-chartered and national online institutions available to Winston Salem residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: The Huntington National Bank offers a money market account at 3.85% APY. Use the rate table above to compare all current offers in Winston Salem, North Carolina.
How to Find the Best Money Market Rates in Winston Salem, North Carolina
What to compare when shopping for a money market account in Winston Salem, North Carolina
To find the best money market APYs in Winston Salem, North Carolina, start with credit unions and online-only banks: Winston Salem, North Carolina has 29 credit unions in our database, and they consistently offer some of the highest yields because they are member-owned nonprofits with lower overhead than traditional banks.
Always compare the APY (Annual Percentage Yield), not just the interest rate, and pay close attention to balance tiers. Many money market accounts only pay their advertised top rate above a minimum balance of $1,000 to $25,000, with lower rates (or monthly fees) below that threshold. The current NC high-yield money market average is 3.151% but top local institutions are offering as high as 3.85%, so shopping around pays off.
Unlike a CD, money market rates are variable. Your rate can change at any time with Federal Reserve policy. Also check check-writing and debit card limits: most MMAs allow a set number of withdrawals per month, and exceeding the limit can trigger fees. Review your account periodically to ensure your APY remains competitive.
When a Money Market Account Makes Sense
- Emergency fund with flexibility: You get savings-level yields plus limited check-writing and debit access. Winston Salem, North Carolina high-yield money market rates currently average 3.151% APY, far above a typical checking account.
- Larger balances ($10,000+): Many MMAs pay tiered rates that rise with your balance, so bigger deposits often earn more than they would in a standard savings account.
- Parking cash between investments: A high-yield money market account at Winston Salem, North Carolina institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 46 institutions in Winston Salem, North Carolina report money market rates to our database.
- No rate lock-in risk: Unlike a CD, your rate moves up with the market if rates rise further.
Consider an Alternative If…
- You want a locked-in, guaranteed return Winston Salem, North Carolina CD rates
- You don’t need check writing and want a lower minimum Winston Salem, North Carolina savings rates
- You need daily transaction access Winston Salem, North Carolina checking rates
North Carolina Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau (state-level data shown; city data not available)
17.2% of residents are 65 or older, in line with the national average of 17.3%. At today’s NC high-yield money market average of 3.151%, saving 10% of the local median salary ($4,302/year) would earn an additional $136 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Winston Salem, North Carolina Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Winston Salem, North Carolina.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current NC Avg APY | 3.151% | View Savings Rates | 0.800%(Standard MMA) | View CD Rates |
| Rate Type | Variable | Variable | Variable | Fixed for term |
| FDIC / NCUA Insured | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K |
| Withdraw Anytime | ✓ Yes | ✓ Yes | ✓ Yes | ✗ Penalty applies |
| Check Writing | ✓ Often yes | ✗ No | ✗ No | ✗ No |
| Debit / ATM Card | ✓ Often yes | Some institutions | ✗ Rarely | ✗ No |
| Typical Min Deposit | $0 to $2,500 | $0 to $100 | $25 to $100 | $500 to $1,000 |
| Rate Risk | Variable, moves with Fed policy | Variable, moves with Fed policy | Variable, moves with Fed policy | None, locked for term |
| Best For | Active savers wanting flexibility + check writing | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Locking in a rate for a defined period |
APY data reflects Winston Salem, North Carolina averages tracked in our database as of October 31, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Winston Salem, North Carolina Money Market Account Calculator
See how much a money market account can earn you. Enter your deposit, monthly contribution, and time frame, or click any current Winston Salem, North Carolina rate on the right to apply it instantly. Interest compounds monthly.
Assumes monthly compounding and a constant APY for the full period. Money market rates are variable and can change at any time, so actual earnings will differ. Estimates are for informational purposes only.
Money Market & Savings Calculators for Winston Salem, North Carolina
At NC’s top money market rate of 3.85% from The Huntington National Bank, a $10,000 deposit earns $385 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Winston Salem, North Carolina earner is roughly $10,800. At 3.151% APY in a money market account, saving $900/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. Liquid Deposit AccountNorth Carolina’s high-yield money market average is 3.151% APY, variable, always accessible, and often with check-writing. A local CD may offer a higher fixed yield in exchange for locking in your deposit. Compare both side-by-side to find the better fit for your timeline.
Budget CalculatorBefore you can grow your savings, you need to know how much you can set aside each month. The median Winston Salem, North Carolina earner makes $43,026/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.151% APY.
Retirement PlannerA $25,000 money market balance earning 3.151% APY grows to roughly $46,498 over 20 years with compounding. See how your current savings trajectory lines up with your retirement income needs.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Winston Salem, North Carolina money market rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Money Market Rate Data: We aggregate money market deposit account rates for Winston Salem, North Carolina directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every money market rate displayed on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Winston Salem, North Carolina. We feature a comprehensive mix of institutions from neighborhood credit unions and mid-sized regional banks to large national institutions available to savers in NC.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update money market rates daily. Because MMA yields can fluctuate rapidly based on market conditions, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Money Market Accounts in Winston Salem, North Carolina
What are money market account rates in Winston Salem, North Carolina today?
What is a Money Market Account (MMA)?
Are Money Market accounts in Winston Salem, North Carolina safe?
How often do MMA rates change in Winston Salem, North Carolina?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Winston Salem, North Carolina?
Can I lose money in a Money Market Account?
What is the difference between a Money Market Account and a Money Market Fund?
Do I have to pay taxes on money market account interest?
Are online banks better than local banks in Winston Salem, North Carolina for money market accounts?
Best Money Market Rates in Winston Salem, North Carolina
- The Huntington National Bank
Relationship Money Market Account - With Huntington Perks Checking: 3.85% APY - Truliant Federal Credit Union
Accelerate Money Market Special: 3.80% APY - VirtualBank
eMoney Market Special: 3.51% APY - Allegacy Federal Credit Union
Feature Money Market Account: 3.45% APY - American Partners Federal Credit Union
Money Market Tiered Accounts: 3.00% APY
Winston Salem, North Carolina Rates & Resources
