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North Carolina Savings Rate Trends

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

The best savings rates for Southport, North Carolina and the surrounding area include State Employees Credit UnionState Employees Credit Union5190 EASON ST, SOUTHPORT, NC 28461A-5.0 ★Texas Ratio: 15.54% Coverdell Education Savings Account at 3.30% APY, PNC BankPNC Bank1424 N Howe St, Southport, NC 28461A5.0 ★Texas Ratio: 6.83% PNC High Yield SavingsĀ® at 3.25% APY, FsnbFsnbA5.0 ★Texas Ratio: 12.00% Cents-able Savings at 7.00% APY, Acclaim Federal Credit UnionAcclaim Federal Credit UnionA+5.0 ★Texas Ratio: 3.93% Kid Connect Savings at 6.00% APY, and Excite Credit UnionExcite Credit UnionA5.0 ★Texas Ratio: 11.89% Go Savings at 5.00% APY.

Southport has 8 local institutions in our database, with savings rates as high as 3.30% APY from State Employees Credit Union at 5190 EASON ST, SOUTHPORT, NC 28461. Use the table below to compare all available offers, including options from institutions serving the broader North Carolina area. Rates are continually updated — we recommend checking back frequently.

Savings rates reflect recent market quotes and representative offers available to depositors in Southport, North Carolina and the surrounding area. Last Updated and Verified: April 11, 2026

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

Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
5190 EASON ST, SOUTHPORT, NC 28461
Coverdell Education Savings Account
3.30%
$25
Rate3.25%
Min Deposit$25
Min Balance
UpdatedApr 8, 2026
Details

State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
5190 EASON ST, SOUTHPORT, NC 28461
Health Savings Account
3.30%
$0
Rate3.25%
Min Deposit$0
Min Balance
UpdatedApr 8, 2026
Details

PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
1424 N Howe St, Southport, NC 28461
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%
5190 EASON ST, SOUTHPORT, NC 28461
Zard Share
0.25%
$25
Rate0.25%
Min Deposit$25
Min Balance
UpdatedApr 8, 2026
Details

State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
5190 EASON ST, SOUTHPORT, NC 28461
FAT CATĀ® Share
0.25%
$5
Rate0.25%
Min Deposit$5
Min Balance
UpdatedApr 8, 2026
Details

State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.54%
5190 EASON ST, SOUTHPORT, NC 28461
Share
0.25%
$25
Rate0.25%
Min Deposit$25
Min Balance
UpdatedApr 8, 2026
Details

PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
1424 N Howe St, Southport, NC 28461
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%
1424 N Howe St, Southport, NC 28461
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%
Cents-able Savings
7.00%
$5
Rate7.00%
Min Deposit$5
Min Balance
UpdatedApr 11, 2026
Details

Acclaim Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
Kid Connect Savings
6.00%
$5
Rate6.00%
Min Deposit$5
Min Balance
UpdatedApr 5, 2026
Details

Qualifying balance up to $3,000.00; LIMITED-TIME SPECIAL! Get $100 when you open a Kid or Teen Connect Savings Account!†

Acclaim Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
Teen Connect Savings
6.00%
$5
Rate6.00%
Min Deposit$5
Min Balance
UpdatedApr 5, 2026
Details

Qualifying balance up to $3,000.00; LIMITED-TIME SPECIAL! Get $100 when you open a Kid or Teen Connect Savings Account!†

Excite Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.89%
Go Savings
5.00%
$5
Rate0.00%
Min Deposit$5
Min Balance
UpdatedApr 9, 2026
Details

Bonus dividend rate of 5.00% APY* is paid on the first $2,500 balance in the account for the first 12 months

Skyla Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.28%
Purpose Savings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

Qualifying balance up to $1,000.00

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.45%
Personal Share Draft
4.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

Qualifying balance up to $25,000.00

New Republic Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.20%
High-Yield Savings
4.00%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedApr 11, 2026
Details

To be eligible for the promotional rate, accounts must be opened with a minimum of $100. A $6 monthly service fee applies if the average daily balance falls below $100. APY may change after account opening.

Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.18%
IRA Savings
3.82%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

Live Oak Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.35%
High-Yield Personal Savings
3.80%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

$200 cash bonus

Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
High-Yield Savings
3.60%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

The Huntington National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
Huntington Relationship Savings
3.55%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

The Huntington National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
High-Yield Savings
3.55%
$5,000
Rate0.00%
Min Deposit$5,000
Min Balance
UpdatedApr 11, 2026
Details

Minimum of $5,000 not currently deposited at Huntington.

Audubon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
Youth Savings
3.50%
$0
Rate3.50%
Min Deposit$0
Min Balance
UpdatedApr 4, 2026
Details

Qualifying balance up to $2,500.00

Sharonview Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.73%
High-Yield Savings Account
3.20%
$0
Rate3.15%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Civic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.61%
Health Savings Account (HSA)
3.15%
$0
Rate3.10%
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
High Interest Money Market Savings
3.05%
$0
Rate3.01%
Min Deposit$0
Min Balance
UpdatedApr 9, 2026
Details

Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
Business & Public Funds Premium Money Market Savings
3.05%
$0
Rate3.01%
Min Deposit$0
Min Balance
UpdatedApr 9, 2026
Details

North Carolina Press Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Health Savings Account
3.05%
$0
Rate3.00%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

North Carolina Press Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.12%
Coverdell Education Savings Account
3.05%
$25
Rate3.00%
Min Deposit$25
Min Balance
UpdatedApr 5, 2026
Details

Movement Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.72%
Movement Rewards Savings
3.05%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedApr 11, 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%
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%
SafeGuard Savings, Consumer
3.00%
$0
Rate2.96%
Min Deposit$0
Min Balance
UpdatedApr 8, 2026
Details

Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
Platinum Money Market Savings
3.00%
$1,000,000
Rate0.00%
Min Deposit$1,000,000
Min Balance
UpdatedApr 11, 2026
Details

COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
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

COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
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%
SafeGuard Savings, Municipal
3.00%
$0
Rate2.96%
Min Deposit$0
Min Balance
UpdatedApr 8, 2026
Details

The Huntington National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
High-Yield Savings
2.98%
$5,000
Rate0.00%
Min Deposit$5,000
Min Balance
UpdatedApr 11, 2026
Details

Minimum of $5,000 not currently deposited at Huntington.

The Huntington National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
Huntington Relationship Savings
2.98%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
Business & Public Funds Premium Money Market Savings
2.90%
$0
Rate2.86%
Min Deposit$0
Min Balance
UpdatedApr 9, 2026
Details

Centra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
High Interest Money Market Savings
2.90%
$0
Rate2.86%
Min Deposit$0
Min Balance
UpdatedApr 9, 2026
Details

Live Oak Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.35%
High-Yield Business Savings
2.85%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

Langley Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.01%
Platinum Money Market Savings
2.80%
$250,000
Rate0.00%
Min Deposit$250,000
Min Balance
UpdatedApr 11, 2026
Details

First B&T Co. Lebanon, VA
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
Health Savings Advantage Account
2.67%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

$250 bonus

Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.65%
Variable Rate IRA Savings
2.53%
$500
Rate2.50%
Min Deposit$500
Min Balance
UpdatedApr 5, 2026
Details

CAROLINA
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
IRA Savings
2.50%
$0
Rate2.47%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
High Yield Savings
2.27%
$100
Rate2.25%
Min Deposit$100
Min Balance
UpdatedApr 5, 2026
Details

Members Credit Union Winston Salem, NC
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
Super 60 Savings
2.12%
$0
Rate2.10%
Min Deposit$0
Min Balance
UpdatedApr 6, 2026
Details

Vision Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.50%
Roth IRA, Coverdell and Health Savings Account
2.02%
$0
Rate2.00%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.17%
Estate Savings
2.02%
$5
Rate2.00%
Min Deposit$5
Min Balance
UpdatedApr 5, 2026
Details

First Federal Bank Dunn, NC
Institution Rating:
A5.0 ★Texas Ratio: 8.80%
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

First Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
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%
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%
Money Market Savings Tier 5
1.40%
$0
Rate1.39%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Select Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.63%
Select Business Rate Savings
1.30%
$25
Rate0.00%
Min Deposit$25
Min Balance
UpdatedApr 3, 2026
Details

Qualifications Required: At least 12 debit card purchases; Be enrolled in and agree to receive eStatements; Be enrolled in and log into online banking; Qualifying balance up to $250,000

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
Money Market Savings Tier 4
1.30%
$0
Rate1.29%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★Texas Ratio: 2.27%
Money Market Savings Tier 3
1.20%
$0
Rate1.19%
Min Deposit$0
Min Balance
UpdatedMar 24, 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.

Southport, NC Savings Rate Trends

Compare local Southport, NC savings rate quotes against the statewide average

Daily savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full North Carolina Savings Trends →
High-Yield Savings — NC Avg
2.288%
▲ 0.931 vs 7 days ago

North Carolina high-yield savings rates rose 0.931 points over the past 7 days to 2.288% APY, up from 1.357%.

Standard Savings — NC Avg
1.152%
▼ 0.018 vs 7 days ago

North Carolina standard savings rates fell 0.018 points over the past 7 days to 1.152% APY, down from 1.171%.

As of Apr 12, 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 Southport, 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 Southport, 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 Southport, 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 Southport, 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 Southport, 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 Southport, 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 Southport, North Carolina?

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

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

Here are recent savings rates observed in Southport, North Carolina and the surrounding area:
  • State Employees Credit Union
    Coverdell Education Savings Account — 3.30% APY
  • PNC Bank
    PNC High Yield SavingsĀ® — 3.25% APY
  • 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
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Southport, North Carolina. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: April 11, 2026