Best Money Market Rates in Charlotte, North Carolina - June 2026
Brian McKay
Brian McKay
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Current Charlotte, North Carolina and the surrounding area money market deposit account rates include Allegacy Federal Credit UnionAllegacy Federal Credit Union100 Queens Rd, Charlotte, NC 28204A5.0 ★Texas Ratio: 6.46% Feature Money Market Account at 3.45% APY, TruistTruist214 N Tryon St, Charlotte, NC 28202A+5.0 ★Texas Ratio: 3.63% Small Business Money Market Account at 3.25% 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 3.20% APY, Byline BankByline Bank2115 Rexford Rd, Charlotte, NC 28211A+5.0 ★Texas Ratio: 5.13% Advantage Money Market Account at 3.15% APY, and State Employees Credit UnionState Employees Credit Union4720 AIRPORT CENTER PKWY, CHARLOTTE, NC 28208A-5.0 ★Texas Ratio: 14.47% Money Market Share at 2.07% APY. Money market rates as of June 23, 2026 according to verified data from MonitorBankRates.
Charlotte has 15 local institutions in our database, with money market rates as high as 3.45% APY from Allegacy Federal Credit Union at 100 Queens Rd, Charlotte, NC 28204. 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.
Rates reflect recent market quotes and representative offers available to depositors in Charlotte, North Carolina and surrounding area. Last Updated and Verified: June 23, 2026
Compare the Best Money Market Rates Today in Charlotte, North Carolina & the Surrounding Area
APY applies to balances up to $250,000.00, and 0.15% APY applies to balances over $250,000.00. Rates are variable and may change after the account is opened. APY is accurate as of 02.01.26.
Eligible clients can earn a 3.25% annual percentage yield (APY) with a new Truist Business Money Market account. Rates may vary based on branch location and whether you open an account in a branch, by phone or online. Interest earned is based on the following ledger balance tiers: Tier 1 - $0.01 to $4,999.99; Tier 2 - $5,000 to $99,999.99; Tier 3 - $100,000 to $499,999.99; Tier 4 - $500,000 to $999,999.99; Tier 5 - $1,000,000 to $4,999,999.99; Tier 6 - $5,000,000 or greater. Tiers 1-6 are eligible for this 3.25% Annual Percentage Yield (APY) variable rate offer. Your new Money Market Account could initially earn a rate lower than 3.25% APY. However, within 10 calendar days of account opening, your eligible account will automatically upgrade to the 3.25% APY rate. The standard interest rate and APY are 0.01% for balances $0.01 and greater. Fees may reduce earnings.
Variable rate based on zip code. 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.
Must be opened with New Money, defined as new-to-Byline. $25 monthly service fee if minimum daily balance is not met.
Rates are variable and may change after the account is opened. APYs are accurate as of 02.01.26. Fees could reduce earnings on the account. Certain types of withdrawals or transfers may be limited as part of account policies. Please refer to the account agreement for details. Each account is eligible to receive up to one package of pre-selected standard, duplicate-style Allegacy checks per year.
Daily balance $500,000.00
Rates are variable and may change after the account is opened. APYs are accurate as of 02.01.26. Fees could reduce earnings on the account. Certain types of withdrawals or transfers may be limited as part of account policies. Please refer to the account agreement for details. Each account is eligible to receive up to one package of pre-selected standard, duplicate-style Allegacy checks per year.
Daily balance $250,000.00 to $499,999.99
Daily balance $250,000.00. Some transfers/withdrawals limitations may apply. Fees may reduce earnings. Rate, terms, products are subject to change without notice.
Dividends accrue daily and are paid monthly on all balances over $1,000.
Rates are variable and may change after the account is opened. APYs are accurate as of 02.01.26.
Rates are variable and may change after the account is opened. APYs are accurate as of 02.01.26. Fees could reduce earnings on the account. Certain types of withdrawals or transfers may be limited as part of account policies. Please refer to the account agreement for details. Each account is eligible to receive up to one package of pre-selected standard, duplicate-style Allegacy checks per year.
Daily balance $100,000.00 to $249,999.99. Some transfers/withdrawals limitations may apply. Fees may reduce earnings. Rate, terms, products are subject to change without notice.
Daily balance $100,000.00 to $249,999.99
Daily balance $50,000.00 to $99,999.99. Some transfers/withdrawals limitations may apply. Fees may reduce earnings. Rate, terms, products are subject to change without notice.
Rates are variable and may change after the account is opened. APYs are accurate as of 02.01.26.
Rates are variable and may change after the account is opened. APYs are accurate as of 02.01.26.
Daily balance $10,000.00 to $49,999.99. Some transfers/withdrawals limitations may apply. Fees may reduce earnings. Rate, terms, products are subject to change without notice.
Daily balance to $9,999.99. Some transfers/withdrawals limitations may apply. Fees may reduce earnings. Rate, terms, products are subject to change without notice.
Dividends accrue daily and are paid monthly on all balances over $1,000.
Rates are variable and may change after the account is opened. APYs are accurate as of 02.01.26.
Money Market - $100k: 13% is the difference between the percent earned in interest between Advancial Federal Credit Union's rate at 1.22% APY compared to 1.08% APY for the Anchorage/Mat-Su Area market average over the life of a money market at $100,000.
Dividends accrue daily and are paid monthly on all balances over $1,000.
APY applies to balances up to $250,000.00, and 0.15% APY applies to balances over $250,000.00. Rates are variable and may change after the account is opened. APY is accurate as of 02.01.26.
Rates are variable and may change after the account is opened. APYs are accurate as of 02.01.26. Fees could reduce earnings on the account. Certain types of withdrawals or transfers may be limited as part of account policies. Please refer to the account agreement for details. Each account is eligible to receive up to one package of pre-selected standard, duplicate-style Allegacy checks per year.
Daily balance to $99,999.99
The special rate of up to 4.00% APY is available only on new Money Market Special accounts opened on or after 5/1/2026 and applies for the first 6 months following account opening. After 6 months, the account will automatically convert to a standard Elevate Money Market account and earn standard Elevate Money Market rates thereafter. A minimum opening balance of $15,000 is required. Members who currently have, or previously had in the last 12 months, any opened money market account at United are not eligible for this offer. Fees may reduce earnings. Rates may change after account is opened.
Balance: Up to $49,999.99
$15,000+
Earn a competitive rate when you open a Market Monitor account with a minimum $20,000 in new money. If you are unable to meet the minimum opening deposit of $20,000 for this competitive new money rate plan, your account will be repriced at our standard Market Monitor rate plan. Rates and tiers for deposit balances are: 3.21% (3.25% APY) if daily collected balance is $20,000 or more; 0.05% (0.05% APY) if daily collected balance is $19,999.99 or less. Offer available at Old National banking centers located in Iowa, Illinois, Indiana, Michigan, Minnesota, North Dakota, Wisconsin, and the Kentucky counties of Daviess, Henderson, Hopkins, Muhlenberg, and Union.
Balance range: $100,000 and Over
Balance range: $50,000 - $99,999
Balance range: $25,000 - $49,999
Balance range: $10,000 - $24,999
Balance range: $2,500 - $9,999
Checking accounts and Money Market accounts are subject to fees, which may reduce the annual percentage yield. FDIC deposit insurance is now $250,000 per depositor. A minimum balance of $0.01 must be maintained in the account each day to obtain the disclosed annual percentage yield.
Checking accounts and Money Market accounts are subject to fees, which may reduce the annual percentage yield. FDIC deposit insurance is now $250,000 per depositor. A minimum balance of $0.01 must be maintained in the account each day to obtain the disclosed annual percentage yield.
Balance of $100,000 to $249,999
Balance of $100,000 or greater
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.
Charlotte, NC Money Market Rate Trends
Compare local Charlotte, NC 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 currently average 3.152% APY.
North Carolina standard MMA rates currently average 0.489% APY.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Charlotte, 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 Charlotte, 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 Charlotte, 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 Charlotte, North Carolina
What is a Money Market Account (MMA)?
Are Money Market accounts in Charlotte, North Carolina safe?
How often do MMA rates change in Charlotte, 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 Charlotte, North Carolina?
Best Money Market Rates in Charlotte, North Carolina
- Allegacy Federal Credit Union
Feature Money Market Account — 3.45% APY - Truist
Small Business Money Market Account — 3.25% APY - The Huntington National Bank
High-Yield Money Market — 3.20% APY - Byline Bank
Advantage Money Market Account — 3.15% APY - State Employees Credit Union
Money Market Share — 2.07% APY
Charlotte, North Carolina Rates & Resources
