Best Money Market Rates in Wilmington, North Carolina (NC) - May 2026
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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 Wilmington, North Carolina and the surrounding area money market deposit account rates include Marine Federal Credit UnionMarine Federal Credit Union1039 S College Rd Ste 106, Wilmington, NC 28403 4434A5.0 ★Texas Ratio: 8.48% Choice Money Market at 4.07% APY, TruistTruist101 N 3rd St, Wilmington, NC 28401A+5.0 ★Texas Ratio: 3.63% Small Business Money Market Account at 3.40% APY, Sharonview Federal Credit UnionSharonview Federal Credit Union3212 Oleander Dr, Wilmington, NC 28403 0800A5.0 ★Texas Ratio: 11.73% Jumbo Money Market at 3.25% APY, REVREV3702 College Rd S, Wilmington, NC 28412 2004A+5.0 ★Texas Ratio: 0.30% Business Money Market at 3.15% APY, and Self-Help Credit UnionSelf-Help Credit Union307 S College Rd, Wilmington, NC 28403A5.0 ★Texas Ratio: 7.18% Money Market at 1.61% APY. Money market rates as of May 12, 2026 according to verified data from MonitorBankRates.
Wilmington has 5 local institutions in our database, with money market rates as high as 4.07% APY from Marine Federal Credit Union at 1039 S College Rd Ste 106, Wilmington, NC 28403 4434. 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 Wilmington, North Carolina and surrounding area. Last Updated and Verified: May 12, 2026
Compare the Best Money Market Rates Today in Wilmington, North Carolina & the Surrounding Area
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%
1039 S College Rd Ste 106, Wilmington, NC 28403 4434
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)
Truist
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
101 N 3rd St, Wilmington, NC 28401
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%
3212 Oleander Dr, Wilmington, NC 28403 0800
Jumbo Money Market
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
3702 College Rd S, Wilmington, NC 28412 2004
Money Market
3.15%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
3702 College Rd S, Wilmington, NC 28412 2004
Business Money Market
3.15%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Sharonview Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.73%
3212 Oleander Dr, Wilmington, NC 28403 0800
Jumbo Money Market
2.90%
$0
▼
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Self-Help Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.18%
307 S College Rd, Wilmington, NC 28403
Money Market
1.61%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Sharonview Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.73%
3212 Oleander Dr, Wilmington, NC 28403 0800
Investor Money Market
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
$5,000 minimum average daily balance3
Sharonview Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.73%
3212 Oleander Dr, Wilmington, NC 28403 0800
Money Market Accounts
0.65%
$0
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Qualifications Required; With qualifying High-Yield Checking and $50,000 minimum average daily balance
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
3702 College Rd S, Wilmington, NC 28412 2004
Money Market
0.55%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
3702 College Rd S, Wilmington, NC 28412 2004
Money Market
0.45%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Sharonview Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.73%
3212 Oleander Dr, Wilmington, NC 28403 0800
Money Market Accounts
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Qualifications Required; With qualifying High-Yield Checking and $500 minimum average daily balance, up to $49,999
REV
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
3702 College Rd S, Wilmington, NC 28412 2004
Money Market
0.35%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Sharonview Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.73%
3212 Oleander Dr, Wilmington, NC 28403 0800
Jumbo Money Market
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Sharonview Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.73%
3212 Oleander Dr, Wilmington, NC 28403 0800
Money Market Accounts
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
With $500 minimum average daily balance
Sharonview Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.73%
3212 Oleander Dr, Wilmington, NC 28403 0800
Investor Money Market
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Below $5,000 average daily balance
Sharonview Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.73%
3212 Oleander Dr, Wilmington, NC 28403 0800
Jumbo Money Market
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Sharonview Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.73%
3212 Oleander Dr, Wilmington, NC 28403 0800
Money Market Accounts
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Below $500 average daily balance
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
Money Market Special
4.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
for the first six months.
First Flight Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
Prestige Money Market Accounts
3.82%
$0
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
Huntington Relationship Money Market
3.82%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
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.
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.35%
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%
Choice Money Market
3.61%
$0
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
ABNB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.06%
ProBiz Money Market
3.50%
$0
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
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%
Money Market Special Intro rate
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$15,000+
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
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
Rate—
Min Deposit$20,000
Min Balance—
UpdatedMay 4, 2026
Details
Qualifying balance up to $20,000.00
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Money Market Plus Account
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
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%
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%
Huntington Relationship Money Market
3.20%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details
Byline Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.13%
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.
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—
UpdatedMay 12, 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—
UpdatedMay 12, 2026
Details
Fort Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
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
American Partners Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.06%
Money Market Tiered Accounts
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
$0 to $2,499
ABNB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.06%
ProBiz Money Market
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%
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%
High Tier Money Market Account
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 7, 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—
UpdatedMay 12, 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—
UpdatedMay 12, 2026
Details
Langley Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
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%
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%
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%
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%
Business High Tier Money Market Account
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$100,000 and Over
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.12%
Business Money Market Accounts
2.50%
$100
▼
Rate2.47%
Min Deposit$100
Min Balance—
UpdatedMay 6, 2026
Details
**$100 minimum opening deposit
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
High Tier Money Market Account
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Civic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.61%
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%
Nonprofit Money Market Account
2.30%
$500
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
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%
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%
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%
Perks Money Market Account
2.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Rate2.13%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$25,000 - $49,999
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
Business Money Market Account
2.10%
$0
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$10,000 - $24,999
Civic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.61%
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%
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%
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
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
Money Market
2.00%
$1,000
▼
Rate1.98%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 4.91%
Personal Money Market
2.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
Money Markets
2.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
High Tier Money Market Account
2.00%
$0
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Skyla Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.28%
Money Market
2.00%
$500,000
▼
Rate—
Min Deposit$500,000
Min Balance—
UpdatedMay 10, 2026
Details
Allegacy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.91%
Retail Money Market Account
2.00%
$50
▼
Rate1.98%
Min Deposit$50
Min Balance—
UpdatedMay 7, 2026
Details
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$2,500 - $9,999
Rate1.98%
Min Deposit$25
Min Balance—
UpdatedMay 12, 2026
Details
Carter Bank & Trust
Institution Rating:
F1.0 ★ Texas Ratio: 96.15%
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%
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%
Money Market Savings Tier 5
1.40%
$0
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate1.29%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
$500,000.00 - $999,999,999.99
Rate1.29%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
$500,000.00 - $999,999,999.99
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—
UpdatedMay 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$100
Rate1.21%
Min Deposit$0
Min Balance—
UpdatedMay 12, 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—
UpdatedMay 12, 2026
Details
Roxboro Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
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%
Money Market 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%
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%
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%
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%
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
Benchmark Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
Personal Money Market Account
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Balance of $100,000 or greater
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Paramount Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.91%
Business Money Market
1.00%
$100
▼
Rate1.00%
Min Deposit$100
Min Balance—
UpdatedMay 5, 2026
Details
$5,000 or $20 Fee1
COASTAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
Go Green Money Market Base Tier
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Qualifications Required
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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 Wilmington, 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.
Wilmington, NC Money Market Rate Trends
Compare local Wilmington, 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.
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 15, 2026 • Rate data sourced from 8,500+ monitored institutions
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Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Wilmington, 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.
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Direct-Sourced & Verified Money Market Rate Data: We aggregate money market deposit account rates for Wilmington, 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 Wilmington, 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 Wilmington, 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 Wilmington, 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 Wilmington, 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 Wilmington, 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 Wilmington, 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 Wilmington, North Carolina
Here are some of the highest money market account APYs currently available in Wilmington, North Carolina and the surrounding area:
- Marine Federal Credit Union
Choice Money Market — 4.07% APY - Truist
Small Business Money Market Account — 3.40% APY - Sharonview Federal Credit Union
Jumbo Money Market — 3.25% APY - REV
Business Money Market — 3.15% APY - Self-Help Credit Union
Money Market — 1.61% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Wilmington, North Carolina. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: May 12, 2026
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