Winston Salem, North Carolina Money Market Rates - September 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current Winston Salem, North Carolina and the surrounding area money market deposit account rates include Truliant Federal Credit UnionTruliant Federal Credit Union3200 Truliant Way, Winston Salem, NC 27103A+5.0 ★Texas Ratio: 5.80%Real return: +1.00%APY minus 2.8% CPI (February 2026) Accelerate Money Market Special at 3.80% APY, Allegacy Federal Credit UnionAllegacy Federal Credit Union1691 Westbrook Plaza Dr, Winston Salem, NC 27103 2993A+5.0 ★Texas Ratio: 3.33%Real return: +0.65%APY minus 2.8% CPI (February 2026) Feature Money Market Account ($0.01) at 3.45% APY, The Huntington National BankThe Huntington National Bank751 W 4th St, Winston Salem, NC 27101A5.0 ★Texas Ratio: 6.08%Real return: +0.55%APY minus 2.8% CPI (February 2026) Relationship Money Market Account at 3.35% APY, Emergency Responders Credit UnionEmergency Responders Credit Union1777 Link Rd, Winston Salem, NC 27103 4625A5.0 ★Texas Ratio: 6.70%Real return: +0.45%APY minus 2.8% CPI (February 2026) Money Market at 3.25% APY, and American Partners Federal Credit UnionAmerican Partners Federal Credit Union1405 Trademart Blvd, Winston Salem, NC 27127 5645A+5.0 ★Texas Ratio: 3.97%Real return: +0.20%APY minus 2.8% CPI (February 2026) Money Market Tiered Accounts Tier #1 at 3.00% APY. Money market rates as of September 15, 2026 according to verified data from MonitorBankRates.
Winston Salem has 13 local institutions in our database, with money market rates as high as 3.80% APY from Truliant Federal Credit Union at 3200 Truliant Way, Winston Salem, NC 27103. 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: September 15, 2026
Compare the Best Money Market Rates Today in Winston Salem, North Carolina & the Surrounding Area
Qualifications Required: Daily balance must remain at $25,000 or greater; To receive the 3.80% APY, the daily balance must remain at $25,000 or greater. If the minimum daily balance falls below $25,000, a 1.000% APY applies. 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. Rate is variable and may change after the account is opened. Rolls over to an Accelerate Money Market where standard tiered rates apply when the promotional rate expires.
APY applies to balances up to $250,000.00
Balance: $25,000.00 to $2,000,000.99; With Huntington Perks Checking**
Balance: $25,000.00 to $2,000,000.99; Non-Relationship Rate
Daily balance $500,000.00
Rates are variable and may change after the account is opened. APYs are accurate as of 02.01.26. Fees could reduce earnings on the account. Certain types of withdrawals or transfers may be limited as part of account policies. Please refer to the account agreement for details. Each account is eligible to receive up to one package of pre-selected standard, duplicate-style Allegacy checks per year.
Rates based on zip code. Variable rate. Fees may reduce earnings. When your balance falls into a specific rate tier, your entire balance will earn the applicable rate in effect for that tier. Offer is limited to one per household. Not valid with any other offer. New Money required.
Daily balance $250,000.00 to $499,999.99
Rates are variable and may change after the account is opened. APYs are accurate as of 02.01.26. Fees could reduce earnings on the account. Certain types of withdrawals or transfers may be limited as part of account policies. Please refer to the account agreement for details. Each account is eligible to receive up to one package of pre-selected standard, duplicate-style Allegacy checks per year.
Daily balance $250,000.00
Daily balance $100,000.00 to $249,999.99
Daily balance $100,000.00 to $249,999.99
Rates are variable and may change after the account is opened. APYs are accurate as of 02.01.26. Fees could reduce earnings on the account. Certain types of withdrawals or transfers may be limited as part of account policies. Please refer to the account agreement for details. Each account is eligible to receive up to one package of pre-selected standard, duplicate-style Allegacy checks per year.
Daily balance $50,000.00 to $99,999.99
Daily balance $10,000.00 to $49,999.99
Daily balance to $9,999.99
Checking accounts and Money Market accounts are subject to fees, which may reduce the annual percentage yield. FDIC deposit insurance is now $250,000 per depositor. A minimum balance of $0.01 must be maintained in the account each day to obtain the disclosed annual percentage yield.
Checking accounts and Money Market accounts are subject to fees, which may reduce the annual percentage yield. FDIC deposit insurance is now $250,000 per depositor. A minimum balance of $0.01 must be maintained in the account each day to obtain the disclosed annual percentage yield.
Checking accounts and Money Market accounts are subject to fees, which may reduce the annual percentage yield. FDIC deposit insurance is now $250,000 per depositor. A minimum balance of $0.01 must be maintained in the account each day to obtain the disclosed annual percentage yield.
Checking accounts and Money Market accounts are subject to fees, which may reduce the annual percentage yield. FDIC deposit insurance is now $250,000 per depositor. A minimum balance of $0.01 must be maintained in the account each day to obtain the disclosed annual percentage yield.
Checking accounts and Money Market accounts are subject to fees, which may reduce the annual percentage yield. FDIC deposit insurance is now $250,000 per depositor. A minimum balance of $0.01 must be maintained in the account each day to obtain the disclosed annual percentage yield.
Checking accounts and Money Market accounts are subject to fees, which may reduce the annual percentage yield. FDIC deposit insurance is now $250,000 per depositor. A minimum balance of $0.01 must be maintained in the account each day to obtain the disclosed annual percentage yield.
Checking accounts and Money Market accounts are subject to fees, which may reduce the annual percentage yield. FDIC deposit insurance is now $250,000 per depositor. A minimum balance of $0.01 must be maintained in the account each day to obtain the disclosed annual percentage yield.
Checking accounts and Money Market accounts are subject to fees, which may reduce the annual percentage yield. FDIC deposit insurance is now $250,000 per depositor. A minimum balance of $0.01 must be maintained in the account each day to obtain the disclosed annual percentage yield.
Interest rate is variable and may change after the account is opened. Fees could reduce earnings on the account.
Balances $2,000,001.00 and above. Variable rate. Fees may reduce earnings. When your balance falls into a specific rate tier, your entire balance will earn the applicable rate in effect for that tier. Offer is limited to one per household. Not valid with any other offer.
Balance: $2,000,001.00 to $99,999,999,999.99; Non-Relationship Rate
Checking accounts and Money Market accounts are subject to fees, which may reduce the annual percentage yield. FDIC deposit insurance is now $250,000 per depositor. A minimum balance of $0.01 must be maintained in the account each day to obtain the disclosed annual percentage yield.
Checking accounts and Money Market accounts are subject to fees, which may reduce the annual percentage yield. FDIC deposit insurance is now $250,000 per depositor. A minimum balance of $0.01 must be maintained in the account each day to obtain the disclosed annual percentage yield.
Checking accounts and Money Market accounts are subject to fees, which may reduce the annual percentage yield. FDIC deposit insurance is now $250,000 per depositor. A minimum balance of $0.01 must be maintained in the account each day to obtain the disclosed annual percentage yield.
Checking accounts and Money Market accounts are subject to fees, which may reduce the annual percentage yield. FDIC deposit insurance is now $250,000 per depositor. A minimum balance of $0.01 must be maintained in the account each day to obtain the disclosed annual percentage yield.
Balances below $25,000.00. Variable rate. Fees may reduce earnings. When your balance falls into a specific rate tier, your entire balance will earn the applicable rate in effect for that tier. Offer is limited to one per household. Not valid with any other offer.
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 currently average 3.037% APY.
North Carolina standard MMA rates rose 0.003 points over the past 7 days to 0.753% 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 2026–2027.
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 3.037% 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 60–90 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 (3.037% APY) | Monthly Earnings | Standard MMA (0.753% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $303.65 / year | $25.30 | $75.27 / year | $6.27 |
| $25,000 | $759.13 / year | $63.26 | $188.18 / year | $15.68 |
| $50,000 | $1,518.25 / year | $126.52 | $376.35 / year | $31.36 |
| $100,000 | $3,036.50 / year | $253.04 | $752.70 / year | $62.73 |
| 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 September 16, 2026. | ||||
About Our Winston Salem, North Carolina Money Market Rate Database
MonitorBankRates found 13 institutions with branches in Winston Salem (4 banks, 9 credit unions), plus 21 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 (1–5), 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: Truliant Federal Credit Union offers a money market account at 3.80% APY with a minimum deposit of $25,000. 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 26 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–$25,000, with lower rates (or monthly fees) below that threshold. The current NC high-yield money market average is 3.037% but top local institutions are offering as high as 3.80%, 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 3.037% 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: 34 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 3.037%, saving 10% of the local median salary ($4,302/year) would earn an additional $131 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 | 3.037% | View Savings Rates | 0.753%(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 – $2,500 | $0 – $100 | $25 – $100 | $500 – $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 September 16, 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 3.80% from Truliant Federal Credit Union, a $10,000 deposit earns $380 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 3.037% 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 3.037% 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 3.037% APY.
Retirement PlannerA $25,000 money market balance earning 3.037% APY grows to roughly $45,474 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 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
- Truliant Federal Credit Union
Accelerate Money Market Special: 3.80% APY - Allegacy Federal Credit Union
Feature Money Market Account ($0.01): 3.45% APY - The Huntington National Bank
Relationship Money Market Account: 3.35% APY - Emergency Responders Credit Union
Money Market: 3.25% APY - American Partners Federal Credit Union
Money Market Tiered Accounts Tier #1: 3.00% APY
Winston Salem, North Carolina Rates & Resources
