Wilmington, 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 Wilmington, North Carolina and the surrounding area include FsnbFsnb5226 Sigmon Rd, Wilmington, NC 28403A5.0 ★Texas Ratio: 12.00% Cents-able Savings at 7.00% APY, Excite Credit UnionExcite Credit Union2465 S 17th St, Wilmington, NC 28401A5.0 ★Texas Ratio: 11.89% Go Savings at 5.00% APY, Live Oak BankLive Oak Bank1757 Tiburon Dr, Wilmington, NC 28403B4.5 ★Texas Ratio: 21.35% High-Yield Personal Savings at 3.80% APY, PNC BankPNC Bank300 Delaware Ave, Wilmington, DE 19801A5.0 ★Texas Ratio: 6.83% PNC High Yield Savings® at 3.25% APY, and Sharonview Federal Credit UnionSharonview Federal Credit Union3212 Oleander Dr, Wilmington, NC 28403 0800A5.0 ★Texas Ratio: 11.73% 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 Wilmington, 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 Wilmington, North Carolina (NC) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Wilmington, North Carolina and the surrounding area. Last Updated and Verified: March 28, 2026
Compare the Best Savings Rates in Wilmington, North Carolina & Surrounding Communities
Qualifying balance up to $2,500.00
Plus, earn a $200 cash bonus for a limited-time.
Minimum Balance to open account: $5; Minimum balance to earn Interest and obtain APY: $25; Balances $50,000.00 or more
Minimum Balance to open account: $5; Minimum balance to earn Interest and obtain APY: $25; Balances $5,000.00 to $49,999.99
Minimum Balance to open account: $5; Minimum balance to earn Interest and obtain APY: $25; Balances less than $5,000.00
$500 minimum average daily balance4
The par value is not considered available for withdraw; and does not show in your available funds.
Christmas Club maturity date is 11/1 of each calendar year, deposited to Primary Savings only.
Non-Bonus Rate is 0.05% with anticipated APY of 0.05% for balances of $2500.01 and greater
Average Daily Balance below $100, or if requirements are not met
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
Qualifying balance up to $3,000.00
Qualifying balance up to $3,000.00
Qualifying balance up to $25,000.00
Qualifying balance up to $25,000.00
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
Intro rate subject to change
Minimum of $5,000 not currently deposited at Huntington.
Qualifying balance up to $2,500.00
Qualifying balance up to $25,000
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
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 Savings Rate Trends
Compare local Wilmington, 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 1.226 points this week to 0.573% APY, down from 1.799% 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 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 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 Wilmington, 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 Wilmington, North Carolina
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Wilmington, North Carolina safe?
How often do savings rates change in Wilmington, 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 Wilmington, North Carolina?
How do I open a savings account in Wilmington, North Carolina?
Best Savings Rates in Wilmington, North Carolina
- Fsnb
Cents-able Savings — 7.00% APY - Excite Credit Union
Go Savings — 5.00% APY - Live Oak Bank
High-Yield Personal Savings — 3.80% APY - PNC Bank
PNC High Yield Savings® — 3.25% APY - Sharonview Federal Credit Union
High-Yield Savings Account — 3.20% APY
Wilmington, North Carolina Rates & Resources
