North Carolina Money Market Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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North Carolina money market account rates range from 1.60% to 4.00% APY, verified by MonitorBankRates as of October 13, 2026. Current North Carolina money market deposit account rates include United Federal Credit UnionUnited Federal Credit Union209 Turnersburg Hwy, Statesville, NC 28625 2797A+5.0 ★Texas Ratio: 4.11%Real return: +1.20%APY minus 2.8% CPI (February 2026) Money Market Special at 4.00% APY, Acclaim Federal Credit UnionAcclaim Federal Credit Union1823 Banking St, Greensboro, NC 27408A+5.0 ★Texas Ratio: 2.06%Real return: +1.20%APY minus 2.8% CPI (February 2026) Money Market at 4.00% APY, First Flight Federal Credit UnionFirst Flight Federal Credit Union1815 Kildaire Farm Rd, Cary, NC 27518A+5.0 ★Texas Ratio: 3.28%Real return: +1.02%APY minus 2.8% CPI (February 2026) Prestige Money Market at 3.82% APY, Truliant Federal Credit UnionTruliant Federal Credit Union4100 Clemmons Rd, Clemmons, NC 27012A5.0 ★Texas Ratio: 6.43%Real return: +1.00%APY minus 2.8% CPI (February 2026) Accelerate Money Market Special at 3.80% APY, and Riverside Savings BankRiverside Savings Bank325 Becker Dr, Roanoke Rapids, NC 27870A+5.0 ★Texas Ratio: 0.00%Real return: +0.81%APY minus 2.8% CPI (February 2026) Choice Money Market at 3.61% APY. Money market rates as of October 13, 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 4.00% APY from United Federal Credit Union at 209 Turnersburg Hwy, Statesville, NC 28625 2797. Rates are continually updated, so 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: October 13, 2026
Compare the Best Money Market Rates Today in North Carolina
Balance: $0 - $100,000.00; Special rate applies for first 6 months on new accounts opened on or after 10/1/2026, then converts to standard Elevate Money Market rates; Members with a money market account at United in last 12 months not eligible; Effective Date: October 01, 2026
Balance: $250,000 and above
Balance: Up to $49,999.99
Balance: $100,000+
Balance: $100,000 and Greater
- Oct 2, 20263.56%▲ from 3.56%
- Sep 27, 20263.56%▲ from 3.30%
- Sep 18, 20263.30%first recorded
Balance: $25,000 and Greater
- Oct 2, 20263.56%▲ from 3.56%
- Sep 27, 20263.56%▲ from 3.30%
- Sep 18, 20263.30%first recorded
eMoney Market interest rates and APYs are variable, based on account balances, and subject to change daily without notice. eMoney Market Special rate is for new accounts opened today.
Balance: $100,000 - $249,999.99
Qualifications Required; Balance: $250,000 tier; APY with Bonus Rate; Effective Date: October 01, 2026; Consumer money market accounts only
- Oct 12, 20263.50%▲ from 1.00%
- Sep 12, 20261.00%first recorded
Balance: $1,000,000 and above
Balance: $150,000 - $249,999
For qualified members only; Balance: over $500,000
Balance: $15,000+; Intro rate
- Oct 10, 20263.50%▲ from 1.25%
- Sep 14, 20261.25%first recorded
Balance: $250,000 and over
- Sep 27, 20263.45%▲ from 3.25%
- Sep 15, 20263.25%first recorded
Balance: $500,000.00 - or more
Balance: Up to $250,000.00; Limit one account per member
Balance: $25,000 - $49,999.99
Balance: $250,000.00 - $499,999.99
Balance: $500,000+; Qualifications Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days; Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. APY=Annual Percentage Yield. Rates may change after account is opened. Rate is accurate as of last dividend declaration date. Account opening deposit not required. Fees may reduce earnings on this account. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted to the account within the last 31 days and be posted to the account by the end of business day of the last day of the month for it to be considered a qualifying transaction. Credit Card transactions must be posted between the 27th of the previous month and the 26th of the current
- Oct 10, 20263.40%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Balance: $25,000.00 to $2,000,000.99
Balance: $25,000.00 to $2,000,000.99
Balance: $150,000.00 - $249,999.99
Balance: $3,000,000 - $4,999,999
Balance: $3,000,000+
Balance: $250,000.00 - $999,999.99
- Oct 12, 20263.30%▲ from 3.04%
- Sep 12, 20263.04%first recorded
Balance: $250,000.00 - $999,999.99
- Oct 12, 20263.30%▲ from 3.04%
- Sep 12, 20263.04%first recorded
Balance: $100,000.00 - $149,999.99
Balance: $250,000 - $499,999.99; Qualifications Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days; Required: 21+ debit or credit card transactions per month and a minimum of $1,500 in direct deposit(s) and/or mobile deposit into a qualifying account within the last 31 days. APY=Annual Percentage Yield. Rates may change after account is opened. Rate is accurate as of last dividend declaration date. Account opening deposit not required. Fees may reduce earnings on this account. Transaction count is NOT a combination of debit and credit card transactions. Debit Card transactions must be posted to the account within the last 31 days and be posted to the account by the end of business day of the last day of the month for it to be considered a qualifying transaction. Credit Card transactions must be posted between the 27th of the previous month and the 26th o
- Oct 10, 20263.30%▲ from 3.15%
- Sep 27, 20263.15%first recorded
Balance: $0 - $99,999.99
- Sep 27, 20263.25%▲ from 3.00%
- Sep 18, 20263.00%first recorded
Balance: $250,000+
- Sep 27, 20263.25%▲ from 3.00%
- Sep 24, 20263.00%first recorded
Qualifications Required; Balance: $100,000 tier; APY with Bonus Rate; Effective Date: October 01, 2026; Consumer money market accounts only
- Oct 12, 20263.25%▲ from 0.75%
- Sep 12, 20260.75%first recorded
Minimum balance to earn APY: $50,000.00; Interest compounds monthly
Balance: $50,000.00 - $99,999.99
Balance: With $250,000 minimum average daily balance
Balance: $25,000.00 - $49,999.99
Balance: $250,000.00 and Greater
Balance: $100,000 - $249,999.99
- Sep 27, 20263.20%▲ from 3.00%
- Sep 15, 20263.00%first recorded
Balance: $100,000+
- Sep 27, 20263.20%▲ from 3.00%
- Sep 15, 20263.00%first recorded
Balance: $0.00 - or more
Balance: $25,000.00 - $49,999.99
Balance: $1,000,000 - $2,999,999
Balance: $1,000,000 - $2,999,999
Balance: $0 - $24,999.99
Balance: $1,000,000 +
Balance: $50,000.00 - $149,999.99; $500.00 minimum daily balance to earn interest
Balance: $5,000,000.00 and Greater
Balance: $50,000.00 - $249,999.99
Balance: $50,000+
- Oct 13, 20263.05%▲ from 0.05%
- Oct 9, 20260.05%first recorded
Balance: $100,000.00 - $249,999.99
- Oct 12, 20263.04%▲ from 2.78%
- Sep 12, 20262.78%first recorded
Balance: $100,000.00 - $249,999.99
- Oct 12, 20263.04%▲ from 2.78%
- Sep 12, 20262.78%first recorded
Balance: $75,000 - $99,999.99
- Sep 27, 20263.00%▲ from 2.81%
- Sep 15, 20262.81%first recorded
Balance: $75,000 - $99,999
- Sep 27, 20263.00%▲ from 2.81%
- Sep 15, 20262.81%first recorded
Qualifications Required; Balance: $1,000 tier; APY with Bonus Rate; Effective Date: October 01, 2026; Consumer money market accounts only
- Oct 12, 20263.00%▲ from 0.50%
- Sep 12, 20260.50%first recorded
Balance: $500,000.00 - $999,999.99
Balance: $5,000 - $249,999.99; Variable; Dividends calculated on Average Daily Balance and paid monthly; $10 monthly fee if ADB below $5,000
Tier #1; Balance: $0 to $2,499
Balance: $100,000 - $149,999
Balance: Daily balance $500,000.00 or more
Balance: $500,000.00 or more
Balance: $3,000,000.00 - $4,999,999.99
Published APY range: 2.70%-3.75%; Published rate range: 2.70%-3.75%. Rates based on zip code and with a minimum of $25,000 not currently deposited at Huntington. Get your variable rate after opening a Huntington Relationship Money Market Account when you maintain deposits of $25,000.00 - $2,000,000.99. Balances $2,000,001.00 and above currently earn 0.25% (0.25% APY). Balances below $25,000.00 do not earn interest and may be subject to a $25.00 per month maintenance fee. 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. Initial minimum opening deposit to earn interest on the HRMMA is $25,000.00 and must be "New Money" which is defined as money that is not currently on deposit in any Huntington account (except maturing CDs).
Balance: $1,000,000.00 - $2,999,999.99
Balance: $25,000-$99,999.99
Balance: $500,000.00 - $999,999.99
Balance: $0.00 - $24,999.99
Balance: $250,000.00 - $499,999.99
Special Offer; APY accurate as of 03/20/2026; Variable rate; $1,000 minimum balance required to obtain the stated APY
APY* is a registered trademark of the Bank.
Balance: $100,000.00 - $249,999.99
APY* is a registered trademark of the Bank.
APY* is a registered trademark of the Bank.
Balance: Equal to or greater than $25,000.00
APY* is a registered trademark of the Bank.
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.
North Carolina high-yield MMA rates fell 0.009 points over the past 7 days to 3.171% APY.
North Carolina standard MMA rates rose 0.016 points over the past 7 days to 0.736% APY.
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 to 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 3.171% 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 to 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 North Carolina.
Money Market Account Earnings in 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 (3.171% APY) | Monthly Earnings | Standard MMA (0.736% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $317.08 / year | $26.42 | $73.58 / year | $6.13 |
| $25,000 | $792.70 / year | $66.06 | $183.95 / year | $15.33 |
| $50,000 | $1,585.40 / year | $132.12 | $367.90 / year | $30.66 |
| $100,000 | $3,170.80 / year | $264.23 | $735.80 / year | $61.32 |
| 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: North Carolina money market rate averages as of October 13, 2026. | ||||
About Our North Carolina Money Market Rate Database
MonitorBankRates tracks 45 money market rates from 10 banks and 35 credit unions offering money market deposit accounts to North Carolina residents, including community institutions, regional banks, and national online options. 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 to 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: United Federal Credit Union offers a money market account at 4.00% APY with a minimum deposit of $15,000. Use the rate table above to compare all current offers in North Carolina.
How to Find the Best Money Market Rates in North Carolina
What to compare when shopping for a money market account in North Carolina
To find the best money market APYs in North Carolina, start with credit unions and online-only banks: North Carolina has 35 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 to $25,000, with lower rates (or monthly fees) below that threshold. The current NC high-yield money market average is 3.171% but top local institutions are offering as high as 4.00%, 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. North Carolina high-yield money market rates currently average 3.171% 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 North Carolina institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 45 institutions in 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 North Carolina CD rates
- You don’t need check writing and want a lower minimum North Carolina savings rates
- You need daily transaction access North Carolina checking rates
North Carolina Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau
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 3.171%, saving 10% of the local median salary ($4,302/year) would earn an additional $136 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other North Carolina Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in North Carolina.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current NC Avg APY | 3.171% | View Savings Rates | 0.736%(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 to $2,500 | $0 to $100 | $25 to $100 | $500 to $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 North Carolina averages tracked in our database as of October 13, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
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 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 North Carolina
At NC’s top money market rate of 4.00% from United Federal Credit Union, a $10,000 deposit earns $400 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median North Carolina earner is roughly $10,800. At 3.171% 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 3.171% 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 North Carolina earner makes $43,026/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.171% APY.
Retirement PlannerA $25,000 money market balance earning 3.171% APY grows to roughly $46,674 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 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 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)?
Are Money Market accounts in North Carolina safe?
How often do MMA rates change in 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 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 North Carolina for money market accounts?
Best Money Market Rates in North Carolina
- United Federal Credit Union
Money Market Special: 4.00% APY - Acclaim Federal Credit Union
Money Market: 4.00% APY - First Flight Federal Credit Union
Prestige Money Market: 3.82% APY - Truliant Federal Credit Union
Accelerate Money Market Special: 3.80% APY - Riverside Savings Bank
Choice Money Market: 3.61% APY
North Carolina Rates & Resources
Cities in North Carolina
