Charlotte, North Carolina (NC) Savings Rates - March 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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The best savings rates for Charlotte, North Carolina and the surrounding area include FirstBank (TN)FirstBank (TN)6302 Fairview Rd, Charlotte, NC 28210A5.0 ★Texas Ratio: 6.39% FirstUp Savings at 3.82% APY, The Huntington National BankThe Huntington National Bank101 S Tryon St, Charlotte, NC 28280A+5.0 ★Texas Ratio: 4.60% High-Yield Savings at 3.55% APY, PNC BankPNC Bank101 S Cochran Ave, Charlotte, MI 48813A5.0 ★Texas Ratio: 6.83% PNC High Yield Savings® at 3.25% APY, Sharonview Federal Credit UnionSharonview Federal Credit Union7422 Carmel Executive Park Dr Ste 100, Charlotte, NC 28226 0426A5.0 ★Texas Ratio: 11.73% High-Yield Savings Account at 3.20% APY, and Truliant Federal Credit UnionTruliant Federal Credit Union6051 Tyvola Glen Cir, Charlotte, NC 28217A5.0 ★Texas Ratio: 7.58% High Yield Savings Account at 3.20% APY. Savings rates as of March 28, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Charlotte, North Carolina, and the surrounding area, compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in Charlotte, North Carolina (NC) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Charlotte, North Carolina and the surrounding area. Last Updated and Verified: March 28, 2026
Compare the Best Savings Rates in Charlotte, North Carolina & Surrounding Communities
Qualifications Required: recurring monthly transfer totaling $50.00 or more from the FirstBank personal checking or FirstBank personal money market; Qualifying balance up to $25,000.00
Minimum of $5,000 not currently deposited at Huntington.
Qualifications Required: $500+ in monthly deposits from sources outside Truliant; Primary account ownership of both the checking and savings accounts; 10+ withdrawals per month; Qualifying balance up to $25,000
Qualifying balance up to $25,000
Minimum of $5,000 not currently deposited at Huntington.
All balances earn 0.10% APY. Dividends are earned at different rates based on the number of visits made to one of qualifying facilities, in the previous month, based on the data provided by the facility. Qualifying fitness facilities are defined as: (1) YMCA of Northwest North Carolina and (2) Leonard J. Kaplan Center for Wellness. Members can combine qualifying facilities on one account, however, only one visit per household per day and one account per household.
All balances earn 0.10% APY. Dividends are earned at different rates based on the number of visits made to one of qualifying facilities, in the previous month, based on the data provided by the facility. Qualifying fitness facilities are defined as: (1) YMCA of Northwest North Carolina and (2) Leonard J. Kaplan Center for Wellness. Members can combine qualifying facilities on one account, however, only one visit per household per day and one account per household.
All balances earn 0.10% APY. Dividends are earned at different rates based on the number of visits made to one of qualifying facilities, in the previous month, based on the data provided by the facility. Qualifying fitness facilities are defined as: (1) YMCA of Northwest North Carolina and (2) Leonard J. Kaplan Center for Wellness. Members can combine qualifying facilities on one account, however, only one visit per household per day and one account per household.
No Fees
$100 or $3 Fee1
Rates are subject to change daily and fees may reduce earnings. A $100 minimum deposit is required to open an account. APY may change at any time before or after account is opened.
$500 minimum average daily balance4
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
$25 minimum opening deposit
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
Plus, earn a $200 cash bonus for a limited-time.
Qualifications Required: Have an open Movement Rewards Checking Account or; Minimum daily balance of $15,000 in the Movement Rewards Savings account; Digital statements must be activated; Qualifying balance up to $50,000.00
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 Savings Rate Trends
Compare local Charlotte, NC savings rate quotes against the statewide average
Weekly savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
North Carolina high-yield savings rates fell 0.691 points this week to 0.573% APY, down from 1.264% last week.
North Carolina standard savings rates rose 1.457 points this week to 1.577% APY, up from 0.120% last week.
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings 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 savings 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 competitive regional banks to large national institutions available to savers in NC.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Savings Accounts in Charlotte, North Carolina
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Charlotte, North Carolina safe?
How often do savings rates change in Charlotte, North Carolina?
Do I need a minimum deposit to open a savings account?
What is the difference between a Savings Account and a Money Market Account?
Are online banks better than local banks in Charlotte, North Carolina?
How do I open a savings account in Charlotte, North Carolina?
Best Savings Rates in Charlotte, North Carolina
- FirstBank (TN)
FirstUp Savings — 3.82% APY - The Huntington National Bank
High-Yield Savings — 3.55% APY - PNC Bank
PNC High Yield Savings® — 3.25% APY - Sharonview Federal Credit Union
High-Yield Savings Account — 3.20% APY - Truliant Federal Credit Union
High Yield Savings Account — 3.20% APY
