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Hendersonville, North Carolina (NC) Savings Rates - April 2026

The best savings rates for Hendersonville, North Carolina and the surrounding area include PNC BankPNC Bank245 N Main St, Hendersonville, NC 28792A5.0 ★Texas Ratio: 6.83% PNC High Yield SavingsĀ® at 3.25% APY, State Employees Credit UnionState Employees Credit Union1377 ASHEVILLE HWY, HENDERSONVILLE, NC 28791A-5.0 ★Texas Ratio: 15.54% Coverdell Education Savings Account at 3.05% APY, United Federal Credit UnionUnited Federal Credit Union101 Jack St, Hendersonville, NC 28792A+5.0 ★Texas Ratio: 3.35% Health Savings Account (HSA) at 1.00% APY, Champion Credit Union Canton, NCChampion Credit Union Canton, NC1615 Four Seasons Blvd, Hendersonville, NC 28792A+5.0 ★Texas Ratio: 4.91% Miscellaneous Shares at 0.20% APY, and Wells FargoWells Fargo301 S Main St, Hendersonville, NC 28792A5.0 ★Texas Ratio: 7.44% Retirement High Yield Savings at 0.05% APY. Savings rates as of April 4, 2026 according to verified data from MonitorBankRates.

To see how these savings rates in Hendersonville, North Carolina, and the surrounding area, compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in Hendersonville, North Carolina (NC) are continually updated — we recommend checking back frequently.

Savings rates reflect recent market quotes and representative offers available to depositors in Hendersonville, North Carolina and the surrounding area. Last Updated and Verified: April 4, 2026

Compare the Best Savings Rates in Hendersonville, North Carolina & Surrounding Communities

Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
245 N Main St, Hendersonville, NC 28792
PNC High Yield SavingsĀ®
3.25%
$0
Rate3.20%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
1377 ASHEVILLE HWY, HENDERSONVILLE, NC 28791
Coverdell Education Savings Account
3.05%
$25
Rate3.00%
Min Deposit$25
Min Balance
UpdatedMar 28, 2026
Details

State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
1377 ASHEVILLE HWY, HENDERSONVILLE, NC 28791
Health Savings Account
3.05%
$0
Rate3.00%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
101 Jack St, Hendersonville, NC 28792
Health Savings Account (HSA)
1.00%
$0
Rate0.99%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Minimum opening deposit of $50.00 required.

United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
101 Jack St, Hendersonville, NC 28792
Health Savings Account (HSA)
0.75%
$0
Rate0.75%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Minimum opening deposit of $50.00 required.

United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
101 Jack St, Hendersonville, NC 28792
Health Savings Account (HSA)
0.50%
$0
Rate0.50%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Minimum opening deposit of $50.00 required.

State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
1377 ASHEVILLE HWY, HENDERSONVILLE, NC 28791
Zard Share
0.25%
$25
Rate0.25%
Min Deposit$25
Min Balance
UpdatedMar 28, 2026
Details

State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
1377 ASHEVILLE HWY, HENDERSONVILLE, NC 28791
FAT CATĀ® Share
0.25%
$5
Rate0.25%
Min Deposit$5
Min Balance
UpdatedMar 28, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
101 Jack St, Hendersonville, NC 28792
Health Savings Account (HSA)
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Minimum opening deposit of $50.00 required.

State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
1377 ASHEVILLE HWY, HENDERSONVILLE, NC 28791
Share
0.25%
$25
Rate0.25%
Min Deposit$25
Min Balance
UpdatedMar 28, 2026
Details

Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
1615 Four Seasons Blvd, Hendersonville, NC 28792
Miscellaneous Shares
0.20%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
1615 Four Seasons Blvd, Hendersonville, NC 28792
Business Edge Savings
0.20%
$5
Rate0.00%
Min Deposit$5
Min Balance
UpdatedMar 25, 2026
Details

Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
1615 Four Seasons Blvd, Hendersonville, NC 28792
Regular Shares
0.20%
$5
Rate0.00%
Min Deposit$5
Min Balance
UpdatedMar 25, 2026
Details

Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
1615 Four Seasons Blvd, Hendersonville, NC 28792
Explore Teen Savings
0.20%
$5
Rate0.00%
Min Deposit$5
Min Balance
UpdatedMar 25, 2026
Details

Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★Texas Ratio: 4.91%
1615 Four Seasons Blvd, Hendersonville, NC 28792
Explore Savings
0.20%
$5
Rate0.00%
Min Deposit$5
Min Balance
UpdatedMar 25, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
101 Jack St, Hendersonville, NC 28792
Achiever Savings
0.10%
$25
Rate0.10%
Min Deposit$25
Min Balance
UpdatedMar 24, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
101 Jack St, Hendersonville, NC 28792
Youth Savings
0.05%
$5
Rate0.05%
Min Deposit$5
Min Balance
UpdatedMar 24, 2026
Details

United Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.35%
101 Jack St, Hendersonville, NC 28792
Membership Savings
0.05%
$5
Rate0.05%
Min Deposit$5
Min Balance
UpdatedMar 24, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
301 S Main St, Hendersonville, NC 28792
Retirement High Yield Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 29, 2026
Details

PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
245 N Main St, Hendersonville, NC 28792
Standard Savings
0.03%
$0
Rate0.03%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
245 N Main St, Hendersonville, NC 28792
Standard Savings
0.02%
$0
Rate0.02%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

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
UpdatedApr 3, 2026
Details

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

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

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
UpdatedApr 2, 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
UpdatedApr 4, 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
UpdatedApr 4, 2026
Details

Qualifying balance up to $2,500.00

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 29, 2026
Details

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 Savings Account
3.20%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 29, 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 $25,000.00

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 28, 2026
Details

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

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

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

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 28, 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
UpdatedApr 2, 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

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

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

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

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.

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

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
UpdatedApr 3, 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%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedApr 2, 2026
Details

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.

Methodology & Data Sources

Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Hendersonville, 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 Hendersonville, 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 Hendersonville, 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 Hendersonville, 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 Hendersonville, 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 Hendersonville, 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 Hendersonville, North Carolina?

Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Hendersonville, North Carolina offer in-person customer service, which some customers prefer.

How do I open a savings account in Hendersonville, 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 Hendersonville, North Carolina

Here are recent savings rates observed in Hendersonville, North Carolina and the surrounding area:
  • PNC Bank
    PNC High Yield SavingsĀ® — 3.25% APY
  • State Employees Credit Union
    Coverdell Education Savings Account — 3.05% APY
  • United Federal Credit Union
    Health Savings Account (HSA) — 1.00% APY
  • Champion Credit Union Canton, NC
    Miscellaneous Shares — 0.20% APY
  • Wells Fargo
    Retirement High Yield Savings — 0.05% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Hendersonville, North Carolina. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: April 4, 2026