Best Money Market Rates in North Carolina (NC) - April 2026
Content reviewed by
Brian McKay
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Brian McKay
Brian McKay
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The 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.
Current North Carolina money market rates include First Flight Federal Credit UnionFirst Flight Federal Credit Union1815 Kildaire Farm Rd, Cary, NC 27518A+5.0 ★Texas Ratio: 3.94% Prestige Money Market Accounts at 4.07% APY, Marine Federal Credit UnionMarine Federal Credit Union4180 Western Blvd, Jacksonville, NC 28546 6740A5.0 ★Texas Ratio: 8.48% Choice Money Market at 4.07% APY, United Federal Credit UnionUnited Federal Credit Union209 Turnersburg Hwy, Statesville, NC 28625 2797A+5.0 ★Texas Ratio: 3.35% Money Market Special at 4.00% APY, The Huntington National BankThe Huntington National Bank101 S Tryon St, Charlotte, NC 28280A+5.0 ★Texas Ratio: 4.60% High-Yield Money Market at 3.82% APY, and Riverside Savings BankRiverside Savings Bank325 Becker Dr, Roanoke Rapids, NC 27870A+5.0 ★Texas Ratio: 0.00% Choice Money Market at 3.71% APY. Money market rates as of April 22, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare money market rates across North Carolina side-by-side. North Carolina money market rates currently reach as high as 4.07% APY from First Flight Federal Credit Union at 1815 Kildaire Farm Rd, Cary, NC 27518. Rates are continually updated — we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in North Carolina and surrounding area. Last Updated and Verified: April 22, 2026
Compare the Best Money Market Rates Today in North Carolina
Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Marine Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.48%
4180 Western Blvd, Jacksonville, NC 28546 6740
Choice Money Market
4.07%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
1815 Kildaire Farm Rd, Cary, NC 27518
Prestige Money Market Accounts
4.07%
$0
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Up to $49,999.99
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
209 Turnersburg Hwy, Statesville, NC 28625 2797
Money Market Special
4.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Limited time offer; for the first six months.
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
101 S Tryon St, Charlotte, NC 28280
High-Yield Money Market
3.82%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Earn between 3.20%-3.82% APY based on your zip code; Minimum of $25,000 not currently deposited at Huntington.
Riverside Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
325 Becker Dr, Roanoke Rapids, NC 27870
Choice Money Market*
3.71%
$0
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Riverside Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
325 Becker Dr, Roanoke Rapids, NC 27870
Choice Money Market
3.71%
$0
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
209 Turnersburg Hwy, Statesville, NC 28625 2797
Elevate Money Market
3.65%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
ABNB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.06%
562 Caratoke Hwy, Moyock, NC 27958 8740
ProBiz Money Market
3.50%
$0
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
67 Pitts Station Rd, Marion, NC 28752 7925
Money Market Special
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
1000 Saint Albans Dr, Raleigh, NC 27609
Go Green Money Market Premium Tier
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Qualifications Required
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Building 603 Suite 100, Liberty, NC 27298
Money Market Plus
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Building 603 Suite 100, Liberty, NC 27298
Money Market Plus Account
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 18, 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
Jumbo Money Market
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
CapStar Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
28 Schenck Pkwy, Asheville, NC 28803
Money Market
3.25%
$20,000
▼
Rate—
Min Deposit$20,000
Min Balance—
UpdatedApr 16, 2026
Details
Qualifying balance up to $20,000.00
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
101 S Tryon St, Charlotte, NC 28280
Huntington Relationship Money Market
3.20%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Byline Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.13%
2115 Rexford Rd, Charlotte, NC 28211
Advantage Money Market Account
3.20%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedApr 22, 2026
Details
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
302 Charlotte St, Hamlet, NC 28345
Money Market
3.15%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
302 Charlotte St, Hamlet, NC 28345
Business Money Market
3.15%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 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—
UpdatedApr 19, 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—
UpdatedApr 19, 2026
Details
ABNB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.06%
562 Caratoke Hwy, Moyock, NC 27958 8740
ProBiz Money Market
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Fort Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
4172 Hefner Dr, Fort Bragg, NC 28310
Money Market Account
3.00%
$5,000
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedApr 18, 2026
Details
Qualifying balance up to $250,000.00
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
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 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—
UpdatedApr 19, 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
Jumbo Money Market
2.90%
$0
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 18, 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
2.90%
$0
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 19, 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
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.65%
11115 S Tryon St, Charlotte, NC 28273
Money Market Plus Balances of or more
2.78%
$1,000
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 18, 2026
Details
$250,000
Founders Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.65%
11115 S Tryon St, Charlotte, NC 28273
Money Market Plus Balances of
2.53%
$1,000
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 18, 2026
Details
$100,000 - $249,999
Riverside Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
325 Becker Dr, Roanoke Rapids, NC 27870
Choice Money Market
2.53%
$0
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Riverside Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
325 Becker Dr, Roanoke Rapids, NC 27870
Choice Money Market*
2.53%
$0
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.12%
1475 N New Hope Rd, Gastonia, NC 28054
Business Money Market Accounts
2.50%
$100
▼
Rate2.47%
Min Deposit$100
Min Balance—
UpdatedApr 18, 2026
Details
**$100 minimum opening deposit
CAROLINA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
1200 E Church St, Cherryville, NC 28021 9211
Money Market
2.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Rates up to 2.50% APY
Civic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.61%
3600 Wake Forest Rd, Raleigh, NC 27609
Civic Nonprofit Money Market
2.30%
$500
▼
Rate2.27%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
Civic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.61%
3600 Wake Forest Rd, Raleigh, NC 27609
Nonprofit Money Market Account
2.30%
$500
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
CAROLINA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
1200 E Church St, Cherryville, NC 28021 9211
Money Market
2.30%
$0
▼
Rate2.28%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
$50,000 - $99,999
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
2500 NC Highway 86 S, Hillsborough, NC 27278
Money Market
2.27%
$0
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
ElecTel Cooperative Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
2500 NC Highway 86 S, Hillsborough, NC 27278
IRA Money Market
2.27%
$0
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.49%
2917 Village Dr, Fayetteville, NC 28304 3814
Perks Money Market Account
2.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
CAROLINA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
1200 E Church St, Cherryville, NC 28021 9211
Money Market
2.15%
$0
▼
Rate2.13%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
$25,000 - $49,999
CAROLINA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
1200 E Church St, Cherryville, NC 28021 9211
Money Market
2.10%
$0
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
$10,000 - $24,999
Civic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.61%
3600 Wake Forest Rd, Raleigh, NC 27609
Business Money Market Account
2.05%
$500
▼
Rate2.03%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details
Civic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.61%
3600 Wake Forest Rd, Raleigh, NC 27609
Money Market
2.05%
$250
▼
Rate2.03%
Min Deposit$250
Min Balance—
UpdatedApr 18, 2026
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.65%
11115 S Tryon St, Charlotte, NC 28273
Money Market Plus Balances of
2.02%
$1,000
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 18, 2026
Details
$50,000 - $99,999
COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
1000 Saint Albans Dr, Raleigh, NC 27609
Basic Money Market
2.00%
$25
▼
Rate1.98%
Min Deposit$25
Min Balance—
UpdatedApr 19, 2026
Details
Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 4.91%
3 Academy ST, Canton, NC 28716
Personal Money Market
2.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.28%
3700 South Blvd, Charlotte, NC 28209
Money Market
2.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
4997 Home Rd, Winston Salem, NC 27106
Money Market
2.00%
$1,000
▼
Rate1.98%
Min Deposit$1,000
Min Balance—
UpdatedApr 18, 2026
Details
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
4997 Home Rd, Winston Salem, NC 27106
Money Markets
2.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
CAROLINA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
1200 E Church St, Cherryville, NC 28021 9211
Money Market
2.00%
$0
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
$2,500 - $9,999
Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
6308 Falls of Neuse Rd, Raleigh, NC 27615
Platinum Money Market Savings
2.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 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
Money Market Account
1.92%
$0
▼
Rate1.90%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Latino Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.99%
100 W Morgan St, Durham, NC 27701 3315
Money Market Accounts
1.80%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 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
1.80%
$0
▼
Rate1.79%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Latino Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.99%
100 W Morgan St, Durham, NC 27701 3315
Money Market Basic
1.80%
$0
▼
Rate1.79%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Latino Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.99%
100 W Morgan St, Durham, NC 27701 3315
Money Market Micro Business
1.80%
$0
▼
Rate1.79%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Latino Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.99%
100 W Morgan St, Durham, NC 27701 3315
Money Market Not for Profit
1.80%
$0
▼
Rate1.79%
Min Deposit$0
Min Balance—
UpdatedApr 19, 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
1.80%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 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
1.80%
$0
▼
Rate1.79%
Min Deposit$0
Min Balance—
UpdatedApr 19, 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
Money Market Account
1.71%
$0
▼
Rate1.70%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
ABNB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.06%
562 Caratoke Hwy, Moyock, NC 27958 8740
ProBiz Money Market
1.70%
$0
▼
Rate1.69%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Carter Bank & Trust
Institution Rating:
F1.0 ★ Texas Ratio: 96.15%
630 Fagg Dr, Eden, NC 27288
Premium Money Market Account
1.67%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
301 W Main St, Durham, NC 27701 3215
Money Market
1.63%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
301 W Main St, Durham, NC 27701
Money Market
1.63%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
[Learn More](https://www.self-help.org/personal/accounts/savings-money-market-accounts/money-market)
Summit Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.72%
8210 W Market St, Greensboro, NC 27409
Money Market Investor
1.61%
$0
▼
Rate1.60%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Founders Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.65%
11115 S Tryon St, Charlotte, NC 28273
Money Market Plus Balances of
1.51%
$1,000
▼
Rate1.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 18, 2026
Details
$1,000 - $49,999
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
1815 Kildaire Farm Rd, Cary, NC 27518
Prestige Money Market Accounts
1.51%
$0
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
$50,000.00 and above
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.49%
2917 Village Dr, Fayetteville, NC 28304 3814
Money Market Account
1.51%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 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—
UpdatedApr 19, 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—
UpdatedApr 19, 2026
Details
Piedmont FSB
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
201 S Stratford Rd, Winston Salem, NC 27103
Money Markets
1.30%
$2,500
▼
Rate1.29%
Min Deposit$2,500
Min Balance—
UpdatedApr 17, 2026
Details
$500,000.00 - $999,999,999.99
U S POSTAL SERVICE
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
1 Floretta Pl, Raleigh, NC 27676 9803
Money Market Savings Tier 4
1.30%
$0
▼
Rate1.29%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Piedmont FSB
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
201 S Stratford Rd, Winston Salem, NC 27103
Business Money Market
1.30%
$2,500
▼
Rate1.29%
Min Deposit$2,500
Min Balance—
UpdatedApr 17, 2026
Details
$500,000.00 - $999,999,999.99
ADVANCIAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
7521 Pineville Matthews Rd, Charlotte, NC 28226
Premium Money Market
1.22%
$0
▼
Rate1.21%
Min Deposit$0
Min Balance—
UpdatedApr 19, 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 3
1.20%
$0
▼
Rate1.19%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Roxboro Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
313 S Main St, Roxboro, NC 27573
Money Market Premium Money Market
1.11%
$0
▼
Rate1.10%
Min Deposit$0
Min Balance—
UpdatedApr 17, 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 2
1.10%
$0
▼
Rate1.09%
Min Deposit$0
Min Balance—
UpdatedApr 19, 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 1
1.05%
$0
▼
Rate1.05%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Riverside Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
325 Becker Dr, Roanoke Rapids, NC 27870
Choice Money Market*
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Riverside Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
325 Becker Dr, Roanoke Rapids, NC 27870
Choice Money Market
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Roxboro Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
313 S Main St, Roxboro, NC 27573
Money Market
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Paramount Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.91%
8305 University Executive Park Dr, Charlotte, NC 28262
Business Money Market
1.00%
$100
▼
Rate1.00%
Min Deposit$100
Min Balance—
UpdatedApr 17, 2026
Details
$5,000 or $20 Fee1
First Horizon
Institution Rating:
A+5.0 ★ Texas Ratio: 5.08%
88 Hillsboro St, Pittsboro, NC 27312
TotalView Money Market Savings
0.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Learn More
First Horizon
Institution Rating:
A+5.0 ★ Texas Ratio: 5.08%
88 Hillsboro St, Pittsboro, NC 27312
TotalView Money Market Savings
0.60%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details
Learn More
Roxboro Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
313 S Main St, Roxboro, NC 27573
Money Market
0.60%
$0
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Piedmont FSB
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
201 S Stratford Rd, Winston Salem, NC 27103
Money Markets
0.60%
$2,500
▼
Rate0.60%
Min Deposit$2,500
Min Balance—
UpdatedApr 17, 2026
Details
$250,000.00 - $499,999.99
Piedmont FSB
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
201 S Stratford Rd, Winston Salem, NC 27103
Business Money Market
0.60%
$2,500
▼
Rate0.60%
Min Deposit$2,500
Min Balance—
UpdatedApr 17, 2026
Details
$250,000.00 - $499,999.99
ADVANCIAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
7521 Pineville Matthews Rd, Charlotte, NC 28226
Business Money Market
0.56%
$0
▼
Rate0.56%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
ADVANCIAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
7521 Pineville Matthews Rd, Charlotte, NC 28226
Money Market
0.56%
$0
▼
Rate0.56%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
302 Charlotte St, Hamlet, NC 28345
Money Market
0.55%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
ADVANCIAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
7521 Pineville Matthews Rd, Charlotte, NC 28226
Money Market
0.51%
$0
▼
Rate0.51%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
ADVANCIAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
7521 Pineville Matthews Rd, Charlotte, NC 28226
Business Money Market
0.51%
$0
▼
Rate0.51%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Riverside Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
325 Becker Dr, Roanoke Rapids, NC 27870
Choice Money Market*
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Riverside Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
325 Becker Dr, Roanoke Rapids, NC 27870
Choice Money Market
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Piedmont FSB
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
201 S Stratford Rd, Winston Salem, NC 27103
Money Markets
0.50%
$2,500
▼
Rate0.50%
Min Deposit$2,500
Min Balance—
UpdatedApr 17, 2026
Details
$100,000.00 - $249,999.99
Piedmont FSB
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
201 S Stratford Rd, Winston Salem, NC 27103
Business Money Market
0.50%
$2,500
▼
Rate0.50%
Min Deposit$2,500
Min Balance—
UpdatedApr 17, 2026
Details
$100,000.00 - $249,999.99
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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. Rates reflect recent market quotes and representative offers available to depositors in North Carolina and the surrounding area.
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 Money Market Rate Trends
Compare local North Carolina 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.
High-Yield MMA — NC Avg
3.326%
▲ 0.037 vs 7 days ago
North Carolina high-yield MMA rates rose 0.037 points over the past 7 days to 3.326% APY.
Standard MMA — NC Avg
0.486%
▼ 0.021 vs 7 days ago
North Carolina standard MMA rates fell 0.021 points over the past 7 days to 0.486% APY.
As of Apr 23, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Direct-Sourced & Verified Money Market Rate Data: We aggregate money market 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 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 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 North Carolina
What is a Money Market Account (MMA)?
A Money Market Account (MMA) is a type of savings account that often pays higher interest rates than standard savings accounts. They usually come with check-writing privileges and debit card access, offering a balance of growth and liquidity for savers in North Carolina.
Are Money Market 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 MMA rates change in North Carolina?
Money market 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.
Can I write checks from a Money Market Account?
Yes, most Money Market Accounts allow you to write a limited number of checks or make debit card transactions each month (typically up to 6), making them more flexible than a standard savings account.
Best Money Market Rates in North Carolina
Here are some of the highest money market account APYs currently available in North Carolina:
- First Flight Federal Credit Union
Prestige Money Market Accounts — 4.07% APY - Marine Federal Credit Union
Choice Money Market — 4.07% APY - United Federal Credit Union
Money Market Special — 4.00% APY - The Huntington National Bank
High-Yield Money Market — 3.82% APY - Riverside Savings Bank
Choice Money Market — 3.71% APY
Money Market 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: April 22, 2026
Cities in North Carolina
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