Best Money Market Rates in North Carolina (NC) - May 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
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 deposit account rates include 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, 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 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 3.61% APY. Money market rates as of May 12, 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 Marine Federal Credit Union at 4180 Western Blvd, Jacksonville, NC 28546 6740. 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: May 12, 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—
UpdatedMay 7, 2026
Details
[Learn More](https://www.marinefederalhb.org/home/site/choicemoneymarket)
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—
UpdatedMay 6, 2026
Details
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%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details
Minimum of **$25,000** not currently deposited at Huntington.
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
101 S Tryon St, Charlotte, NC 28280
Huntington Relationship Money Market
3.82%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 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
3.82%
$0
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 6, 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—
UpdatedMay 6, 2026
Details
Riverside Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
325 Becker Dr, Roanoke Rapids, NC 27870
Choice Money Market
3.61%
$0
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 5, 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—
UpdatedMay 12, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
67 Pitts Station Rd, Marion, NC 28752 7925
Money Market Special Intro rate
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$15,000+
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—
UpdatedMay 7, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC 27103 2993
Feature Money Market Account
3.45%
$50
▼
Rate3.40%
Min Deposit$50
Min Balance—
UpdatedMay 7, 2026
Details
Qualifying balance up to $250,000.00
Truist
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
207 S Main St, Raeford, NC 28376
Small Business Money Market Account
3.40%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 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—
UpdatedMay 7, 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—
UpdatedMay 7, 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—
UpdatedMay 4, 2026
Details
Qualifying balance up to $20,000.00
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—
UpdatedMay 12, 2026
Details
15 or more Go Green Checking debit card transactions posted per month
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
101 S Tryon St, Charlotte, NC 28280
High-Yield Money Market
3.20%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details
Minimum of **$25,000** not currently deposited at Huntington.
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%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 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—
UpdatedMay 12, 2026
Details
Byline Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.13%
2115 Rexford Rd, Charlotte, NC 28211
Advantage Money Market Account
3.15%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details
$25,000 minimum to open account. $25,000 minimum to earn 3.15% APY.
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—
UpdatedMay 12, 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—
UpdatedMay 12, 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—
UpdatedMay 12, 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—
UpdatedMay 7, 2026
Details
Qualifying balance up to $250,000.00
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—
UpdatedMay 7, 2026
Details
American Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.06%
618 N Scales St, Reidsville, NC 27320 2941
Money Market Tiered Accounts
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
$0 to $2,499
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC 27103 2993
Business High Tier Money Market Account
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC 27103 2993
High Tier Money Market Account
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 7, 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—
UpdatedMay 7, 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—
UpdatedMay 12, 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—
UpdatedMay 12, 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%
$250,000
▼
Rate—
Min Deposit$250,000
Min Balance—
UpdatedMay 4, 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
2.78%
$1,000
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 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
2.53%
$1,000
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
Qualifying balance up to $249,999.00
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—
UpdatedMay 5, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC 27103 2993
High Tier Money Market Account
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC 27103 2993
Business High Tier Money Market Account
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 7, 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—
UpdatedMay 6, 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
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$100,000 and Over
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—
UpdatedMay 10, 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—
UpdatedMay 10, 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—
UpdatedMay 12, 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—
UpdatedMay 10, 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—
UpdatedMay 10, 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—
UpdatedMay 6, 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—
UpdatedMay 12, 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—
UpdatedMay 12, 2026
Details
$10,000 - $24,999
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC 27103 2993
Business Money Market Account
2.10%
$0
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedMay 7, 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—
UpdatedMay 10, 2026
Details
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—
UpdatedMay 10, 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
2.02%
$1,000
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 7, 2026
Details
Qualifying balance up to $99,999.00
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC 27103 2993
Retail Money Market Account
2.00%
$50
▼
Rate1.98%
Min Deposit$50
Min Balance—
UpdatedMay 7, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC 27103 2993
High Tier Money Market Account
2.00%
$0
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMay 7, 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
2.00%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC 27103 2993
Business High Tier Money Market Account
2.00%
$0
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC 27103 2993
Business Money Market Account
2.00%
$0
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
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—
UpdatedMay 12, 2026
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.28%
3700 South Blvd, Charlotte, NC 28209
Money Market
2.00%
$500,000
▼
Rate—
Min Deposit$500,000
Min Balance—
UpdatedMay 10, 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—
UpdatedMay 10, 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—
UpdatedMay 10, 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—
UpdatedMay 10, 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—
UpdatedMay 12, 2026
Details
$2,500 - $9,999
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—
UpdatedMay 10, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC 27103 2993
Business Money Market Account
1.90%
$0
▼
Rate1.88%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
1691 Westbrook Plaza Dr, Winston Salem, NC 27103 2993
Retail Money Market Account
1.90%
$50
▼
Rate1.88%
Min Deposit$50
Min Balance—
UpdatedMay 7, 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—
UpdatedMay 12, 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 Business
1.80%
$1,000
▼
Rate1.79%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 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%
$500
▼
Rate1.79%
Min Deposit$500
Min Balance—
UpdatedMay 12, 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—
UpdatedMay 4, 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—
UpdatedMay 12, 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—
UpdatedMay 12, 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 4
1.30%
$0
▼
Rate1.29%
Min Deposit$0
Min Balance—
UpdatedMay 12, 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%
$0
▼
Rate1.29%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
$500,000.00 - $999,999,999.99
Piedmont FSB
Institution Rating:
A+5.0 ★ Texas Ratio: 0.44%
201 S Stratford Rd, Winston Salem, NC 27103
Money Market
1.30%
$0
▼
Rate1.29%
Min Deposit$0
Min Balance—
UpdatedMay 5, 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—
UpdatedMay 12, 2026
Details
ADVANCIAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
7521 Pineville Matthews Rd, Charlotte, NC 28226
Money Market k
1.22%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$100
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—
UpdatedMay 12, 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—
UpdatedMay 5, 2026
Details
Roxboro Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
313 S Main St, Roxboro, NC 27573
Premium Money Market
1.11%
$0
▼
Rate1.10%
Min Deposit$0
Min Balance—
UpdatedMay 5, 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—
UpdatedMay 12, 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—
UpdatedMay 12, 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—
UpdatedMay 5, 2026
Details
Benchmark Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
3619 Rogers Rd, Wake Forest, NC 27587
Personal Money Market Account
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Balance of $100,000 or greater
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—
UpdatedMay 5, 2026
Details
Benchmark Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
3619 Rogers Rd, Wake Forest, NC 27587
Business Money Market Account
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Balance of $100,000 to $249,999
COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
1000 Saint Albans Dr, Raleigh, NC 27609
Go Green Money Market Base Tier
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Qualifications Required
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—
UpdatedMay 5, 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—
UpdatedMay 4, 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. 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
3.418%
Unchanged vs 7 days ago
North Carolina high-yield MMA rates currently average 3.418% APY.
Standard MMA — NC Avg
0.489%
Unchanged vs 7 days ago
North Carolina standard MMA rates currently average 0.489% APY.
As of May 13, 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 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)?
A Money Market Account (MMA), formally known as a money market deposit account (MMDA), is a type of deposit 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.
How much do I need to deposit to open a money market account in North Carolina?
Minimum deposit requirements vary widely. Some online money market deposit accounts can be opened with no minimum, while many banks and credit unions in North Carolina require an initial deposit of $1,000 to $2,500 to earn the highest advertised APY. Larger deposits often unlock higher rate tiers, and FDIC or NCUA insurance protects deposits up to $250,000 per depositor, per institution.
Best Money Market Rates in North Carolina
Here are some of the highest money market account APYs currently available in North Carolina:
- 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 - First Flight Federal Credit Union
Prestige Money Market Accounts — 3.82% APY - Riverside Savings Bank
Choice Money Market — 3.61% 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: May 12, 2026
Cities in North Carolina
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