North Carolina (NC) Savings Rates - March 2026
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The savings rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
The best savings rates for North Carolina include FsnbFsnb2025 N Marine Blvd, Jacksonville, NC 28546A5.0 ★Texas Ratio: 12.00% Cents-able Savings at 7.00% APY, Acclaim Federal Credit UnionAcclaim Federal Credit Union1823 Banking St, Greensboro, NC 27408A+5.0 ★Texas Ratio: 3.93% Kid Connect Savings at 6.00% APY, Excite Credit UnionExcite Credit Union2465 S 17th St, Wilmington, NC 28401A5.0 ★Texas Ratio: 11.89% Go Savings at 5.00% APY, Ukrainian Federal Credit UnionUkrainian Federal Credit Union1730 Matthews Township Pkwy Ste E, Matthews, NC 28105 4928A5.0 ★Texas Ratio: 10.45% Personal Share Draft at 4.00% APY, and FirstBank (TN)FirstBank (TN)6302 Fairview Rd, Charlotte, NC 28210A5.0 ★Texas Ratio: 6.39% FirstUp Savings at 3.82% APY. Savings rates as of March 27, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in North Carolina compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in North Carolina (NC) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in North Carolina and the surrounding area. Last Updated and Verified: March 27, 2026
Compare the Best Savings Rates in North Carolina
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
2025 N Marine Blvd, Jacksonville, NC 28546
Cents-able Savings
7.00%
$5
▼
Rate7.00%
Min Deposit$5
Min Balance—
UpdatedMar 23, 2026
Details
Acclaim Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
1823 Banking St, Greensboro, NC 27408
Kid Connect Savings
6.00%
$0
▼
Rate5.85%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Qualifying balance up to $3,000.00
Acclaim Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
1823 Banking St, Greensboro, NC 27408
Teen Connect Savings
6.00%
$0
▼
Rate5.85%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Qualifying balance up to $3,000.00
Excite Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.89%
2465 S 17th St, Wilmington, NC 28401
Go Savings
5.00%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 23, 2026
Details
Qualifying balance up to $2,500.00
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
1730 Matthews Township Pkwy Ste E, Matthews, NC 28105 4928
Personal Share Draft
4.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Qualifying balance up to $25,000.00
Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
1730 Matthews Township Pkwy Ste E, Matthews, NC 28105 4928
High Dividend Share Draft
4.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Qualifying balance up to $25,000.00
FirstBank (TN)
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
6302 Fairview Rd, Charlotte, NC 28210
FirstUp Savings
3.82%
$50
▼
Rate3.75%
Min Deposit$50
Min Balance—
UpdatedMar 26, 2026
Details
Qualifications Required: recurring monthly transfer totaling $50.00 or more from the FirstBank personal checking or FirstBank personal money market; Qualifying balance up to $25,000.00
Live Oak Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.35%
1757 Tiburon Dr, Wilmington, NC 28403
High-Yield Personal Savings
3.80%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Plus, earn a $200 cash bonus for a limited-time.
Corporate America Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
5870 Samet Dr Ste 113, High Point, NC 27265 3647
Business Prosperity Savings
3.75%
$1,000
▼
Rate0.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
Intro rate subject to change
The Huntington National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
101 S Tryon St, Charlotte, NC 28280
High-Yield Savings
3.55%
$5,000
▼
Rate0.00%
Min Deposit$5,000
Min Balance—
UpdatedMar 27, 2026
Details
Minimum of $5,000 not currently deposited at Huntington.
Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
105 E Walnut St, Goldsboro, NC 27530 3648
Youth Savings
3.50%
$0
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Qualifying balance up to $2,500.00
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
131 N Church St, Rocky Mount, NC 27804
PNC High Yield Savings®
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Sharonview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.73%
7422 Carmel Executive Park Dr Ste 100, Charlotte, NC 28226 0426
High-Yield Savings Account
3.20%
$0
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Average Daily Balance between $100 - $100,000
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
4100 Clemmons Rd, Clemmons, NC 27012
High Yield Savings Account
3.20%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Qualifications Required: $500+ in monthly deposits from sources outside Truliant; Primary account ownership of both the checking and savings accounts; 10+ withdrawals per month; Qualifying balance up to $25,000
Truliant Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.58%
4100 Clemmons Rd, Clemmons, NC 27012
High Yield Rewards Savings
3.20%
$0
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Qualifying balance up to $25,000
Civic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.61%
3600 Wake Forest Rd, Raleigh, NC 27609
Health Savings Account (HSA)
3.15%
$0
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
1125 ACADEMY ST N, AHOSKIE, NC 27910
Health Savings Account
3.05%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Movement Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
117 S Main St, Randleman, NC 27317
Movement Rewards Savings
3.05%
$100
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMar 21, 2026
Details
Qualifications Required: Have an open Movement Rewards Checking Account or; Minimum daily balance of $15,000 in the Movement Rewards Savings account; Digital statements must be activated; Qualifying balance up to $50,000.00
Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
9377 N US Highway 301, Whitakers, NC 27891 8621
High Interest Money Market Savings
3.05%
$0
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
9377 N US Highway 301, Whitakers, NC 27891 8621
Business & Public Funds Premium Money Market Savings
3.05%
$0
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
1125 ACADEMY ST N, AHOSKIE, NC 27910
Coverdell Education Savings Account
3.05%
$25
▼
Rate3.00%
Min Deposit$25
Min Balance—
UpdatedMar 27, 2026
Details
North Carolina Press Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
119 N Salisbury St, Raleigh, NC 27603 1739
Health Savings Account
3.05%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
North Carolina Press Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
119 N Salisbury St, Raleigh, NC 27603 1739
Coverdell Education Savings Account
3.05%
$25
▼
Rate3.00%
Min Deposit$25
Min Balance—
UpdatedMar 27, 2026
Details
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
1000 Saint Albans Dr, Raleigh, NC 27609
High Yield Savings
3.00%
$25
▼
Rate2.96%
Min Deposit$25
Min Balance—
UpdatedMar 25, 2026
Details
Average Daily Balances of $10,000 or more
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
6308 Falls of Neuse Rd, Raleigh, NC 27615
Platinum Money Market Savings
3.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
1000 Saint Albans Dr, Raleigh, NC 27609
High Yield Savings Premium Tier
3.00%
$25
▼
Rate2.96%
Min Deposit$25
Min Balance—
UpdatedMar 25, 2026
Details
Average Daily Balances of $10,000 or more
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
67 Pitts Station Rd, Marion, NC 28752 7925
SafeGuard Savings, Municipal
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
1000 Saint Albans Dr, Raleigh, NC 27609
High Yield IRA Savings Account
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
67 Pitts Station Rd, Marion, NC 28752 7925
SafeGuard Savings, Consumer
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
The Huntington National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
101 S Tryon St, Charlotte, NC 28280
High-Yield Savings
2.98%
$5,000
▼
Rate0.00%
Min Deposit$5,000
Min Balance—
UpdatedMar 27, 2026
Details
Minimum of $5,000 not currently deposited at Huntington.
Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
9377 N US Highway 301, Whitakers, NC 27891 8621
High Interest Money Market Savings
2.90%
$0
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
9377 N US Highway 301, Whitakers, NC 27891 8621
Business & Public Funds Premium Money Market Savings
2.90%
$0
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
6308 Falls of Neuse Rd, Raleigh, NC 27615
Platinum Money Market Savings
2.80%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
803 Stiner Road, Fort Bragg, NC 28307
Premium Online Savings Account
2.70%
$0
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
$5 minimum balance to open
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
11115 S Tryon St, Charlotte, NC 28273
Variable Rate IRA Savings
2.53%
$500
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedMar 26, 2026
Details
Mountain Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
1700 Russ Ave, Waynesville, NC 28786 5807
Health Savings Account
2.50%
$0
▼
Rate2.48%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
CAROLINA
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
1200 E Church St, Cherryville, NC 28021 9211
IRA Savings
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Credit Human Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.04%
620 Green Valley Rd, Greensboro, NC 27408
Money Market Savings
2.16%
$0
▼
Rate2.14%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
2098 Frontis Plaza Blvd Ste A, Winston Salem, NC 27103 5779
Super 60 Savings
2.12%
$0
▼
Rate2.10%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
214 Pacific Ave, Durham, NC 27704
Roth IRA, Coverdell and Health Savings Account
2.02%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
5712 Creedmoor Rd, Raleigh, NC 27612
Estate Savings
2.02%
$5
▼
Rate2.00%
Min Deposit$5
Min Balance—
UpdatedMar 25, 2026
Details
First Federal Bank Dunn, NC
Institution Rating:
A5.0 ★Texas Ratio: 8.80%
200 E Divine St, Dunn, NC 28334
Smart Savings
2.00%
$100
▼
Rate1.98%
Min Deposit$100
Min Balance—
UpdatedMar 26, 2026
Details
Qualifications Required: Have at least 20 debit card purchases post and clear each monthly statement cycle; Have at least 1 automatic payment, bill pay, or direct deposit post and clear each monthly statement cycle; Access Online Banking or Mobile Banking once each monthly statement cycle; Receive e-statements; Qualifying balance up to $10,000.00
Crescent Bank
Institution Rating:
C4.0 ★Texas Ratio: 27.16%
10115 Kincey Ave, Huntersville, NC 28078
Savings
1.70%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
First Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
704 W Independence Blvd, Mount Airy, NC 27030
Community Savings
1.51%
$0
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
1 Floretta Pl, Raleigh, NC 27676 9803
Money Market Savings Tier 6
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
1 Floretta Pl, Raleigh, NC 27676 9803
Money Market Savings Tier 5
1.40%
$0
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
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MonitorBankRates
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.
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.
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.
North Carolina Savings Rate Trends
Compare local North Carolina savings rate quotes against the statewide average
Weekly savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
High-Yield Savings — NC Avg
0.573%
▼ 1.226 from last week
North Carolina high-yield savings rates fell 1.226 points this week to 0.573% APY, down from 1.799% last week.
Standard Savings — NC Avg
1.577%
▲ 1.457 from last week
North Carolina standard savings rates rose 1.457 points this week to 1.577% APY, up from 0.120% last week.
As of Mar 28, 2026 •
Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
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 our proprietary rate aggregation technology and a dedicated team of rate updaters. Every savings 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 North Carolina. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to large national institutions available to savers in NC.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Savings Accounts in North Carolina
What is a High-Yield Savings Account (HYSA)?
A High-Yield Savings Account (HYSA) typically pays significantly higher interest than standard accounts at national brick-and-mortar banks. These accounts, often found at online banks or local credit unions in North Carolina, help your money grow faster through a higher APY.
Are savings accounts in North Carolina safe?
Yes, as long as the institution is FDIC insured (for banks) or NCUA insured (for credit unions). This provides federal protection for your deposits in North Carolina up to $250,000 per depositor, per institution.
How often do savings rates change in North Carolina?
Savings rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local North Carolina rate tables daily to ensure you see the most current high-yield options.
Do I need a minimum deposit to open a savings account?
It depends on the bank. Many online high-yield savings accounts have no minimum deposit requirement, while some traditional banks in North Carolina may require $25–$100 to open an account.
What is the difference between a Savings Account and a Money Market Account?
Both pay interest and are federally insured. Money Market Accounts (MMAs) often come with check-writing privileges or a debit card, making them more flexible, whereas standard savings accounts typically do not.
Are online banks better than local banks in North Carolina?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in North Carolina offer in-person customer service, which some customers prefer.
How do I open a savings account in North Carolina?
You can open a savings account online or in-person. You will generally need a government-issued ID, your Social Security number, and an initial deposit to get started.
Best Savings Rates in North Carolina
Here are recent savings rates observed in North Carolina:
- Fsnb
Cents-able Savings — 7.00% APY - Acclaim Federal Credit Union
Kid Connect Savings — 6.00% APY - Excite Credit Union
Go Savings — 5.00% APY - Ukrainian Federal Credit Union
Personal Share Draft — 4.00% APY - FirstBank (TN)
FirstUp Savings — 3.82% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in North Carolina. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 27, 2026
Cities in North Carolina
