Winston Salem, North Carolina Savings Rates - September 2026
Brian McKay
Brian McKay
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The best savings rates for Winston Salem, North Carolina and the surrounding area include State Employees Credit UnionState Employees Credit Union1025 S PEACE HAVEN RD, WINSTON SALEM, NC 27103A5.0 ★Texas Ratio: 8.54%Real return: +0.50%APY minus 2.8% CPI (February 2026) Coverdell Education Savings Account at 3.30% APY, The Huntington National BankThe Huntington National Bank751 W 4th St, Winston Salem, NC 27101A5.0 ★Texas Ratio: 6.08%Real return: +0.45%APY minus 2.8% CPI (February 2026) Relationship Savings Account at 3.25% APY, Truliant Federal Credit UnionTruliant Federal Credit Union3200 Truliant Way, Winston Salem, NC 27103A+5.0 ★Texas Ratio: 5.80%Real return: +0.40%APY minus 2.8% CPI (February 2026) High Yield Rewards Savings at 3.20% APY, Members Credit Union Winston Salem, NCMembers Credit Union Winston Salem, NC2098 Frontis Plaza Blvd Ste A, Winston Salem, NC 27103 5779A+5.0 ★Texas Ratio: 2.40%Real return: -0.68%APY minus 2.8% CPI (February 2026) Super 60 Savings at 2.12% APY, and American Partners Federal Credit UnionAmerican Partners Federal Credit Union1405 Trademart Blvd, Winston Salem, NC 27127 5645A+5.0 ★Texas Ratio: 3.97%Real return: -1.05%APY minus 2.8% CPI (February 2026) Non-Profit and Business Savings at 1.75% APY.
Winston Salem has 59 local institutions in our database, with savings rates as high as 3.30% APY from State Employees Credit Union at 1025 S PEACE HAVEN RD, WINSTON SALEM, NC 27103. Use the table below to compare all available offers, including options from institutions serving the broader North Carolina area. Rates are continually updated, so we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Winston Salem, North Carolina and the surrounding area. Last Updated and Verified: September 22, 2026
Compare the Best Savings Rates in Winston Salem, North Carolina & Surrounding Communities
Balance: $5,000.00 to $2,000,000.99; With Huntington Perks Checking**
Balance: Up to $25,000
Qualifications Required: Active Truliant checking account with $500+ in monthly deposits from sources outside Truliant; Primary account ownership of both the checking and savings accounts; 10+ withdrawals per month (including debit card purchases, bill payments, automatic transfers, loan payments).; Premium Rate 3.200% APY on balances up to $25,000. Qualifying balance up to $1,000.00. Base Rate 0.10% APY on balances above $25,000. Avoid a service fee by maintaining $1,000 average monthly account balance.
Balance: $5,000.00 to $2,000,000.99
Published APY range: 2.40%-4.00%; Published rate range: 2.40%-4.00%. Rates based on zip code. Get your variable rate after opening a Huntington Relationship Savings Account when you maintain deposits of $5,000.00 - $2,000,000.99. Balances $2,000,001.00 and above will earn 0.01% (0.01% APY). Balances below $5,000.00 will earn 0.01% (0.01% APY). Avoid a monthly maintenance fee when you have an average daily balance of $2,500 or have an Asterisk-Free Checking , Huntington Perks Checking or Huntington Platinum Perks Checking account; otherwise $10. Initial minimum opening deposit to earn the higher interest rate on the HRSA is $5,000.00 and must be "New Money" which is defined as money that is not currently on deposit in any Huntington account (except maturing CDs).
Published APY range: 2.40%-4.00%; Published rate range: 2.38%-3.94%. Annual percentage yield (APY) and interest rates are accurate as of May 5, 2026. The special interest rate for the Huntington Relationship Savings Account (HRSA) with balances between $5,000.00 to $2,000,000.99 is between 2.38%-3.94% with an APY between 2.40%-4.00% based on your zip code. The interest rate is variable and subject to change at any time. Balances $2,000,001.00 and above will earn 0.01% (0.01% APY). Balances below $5,000.00 will earn 0.01% (0.01% APY). Balances below $2,500 may be subject to a $10.00 per month maintenance fee. Fees may reduce earnings. When your balance falls into a specific rate tier, your entire balance will earn the applicable rate in effect for that tier. For instance, if your balance reaches $2,000,001.00 or more, your entire balance would currently earn 0.01% APY Offer is limited to one per household. We also reserve the right to limit acceptance of deposits greater than
Balance: $250,000 or more
Balance: $100,000-249,999
Balance: $50,000-99,999
Balance: $0
Balance: Above $25,000
Balance: $25 - $49,999
Qualifications Required: 8-11 YMCA visits; Balance: 8-11 YMCA visits; 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 requirements must be met to earn highest dividends. Some transfer/withdrawal limitations and restrictions may apply. Fees may reduce the earnings. Offer only available to consumers.
Balance: $100,000 - $249,999
Qualifications Required: 4-7 YMCA visits; Balance: 4-7 YMCA visits; 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 requirements must be met to earn highest dividends. Some transfer/withdrawal limitations and restrictions may apply. Fees may reduce the earnings. Offer only available to consumers.
Balance: $25,000 - $49,999
Balance: $600-49,999
Balance: $500 - $0
Balance: $0 - $24,999
Balance: $100 - $0
Balance: $5 - $5
Balance: $100,000 or more; Rates are variable and may change after the account is opened. APY is accurate as of 02.01.26.
Balance: $2,000 or more; Rates are variable and may change after the account is opened. APY is 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.
Balance: $25,000 or more; APY = Annual Percentage Yield. Rates are variable and may change after the account is opened. APY is accurate as of 02.17.26. Balance requirements for APY tiers are outlined in the rate table. 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.
Balance: Up to $2,000; Rates are variable and may change after the account is opened. APY is accurate as of 02.01.26.
Balance: Up to $2,000; Rates are variable and may change after the account is opened. APY is 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.
All balances
Balance: $25,000+
Balances over $2500 earn a blended rate of .20% - .05%. 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: $50,000 - $99,999
Balance: $0 - $24,999
Balance: $10,000 - $24,999.99
Balance: $0.01 to $4,999.99; With Private Client Account****
When linked to Premier Checking. Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.
Balance: $0 or more
Balance: $0.00 - $9,999.99
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.
Balances over $2500 earn a blended rate of .20% - .05%. 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.
When linked to Prime Checking. Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.
Balance: $0.01 to $4,999.99; With Huntington Perks Checking**
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.
Balance: $0 or more
Balance: $0.01 to $4,999.99
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.
Winston Salem, NC Savings Rate Trends
Compare local Winston Salem, NC savings rate quotes against the statewide average
Daily savings rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
North Carolina high-yield savings rates rose 0.110 points over the past 7 days to 1.968% APY, up from 1.858%.
North Carolina standard savings rates rose 0.013 points over the past 7 days to 0.814% APY, up from 0.801%.
Winston Salem, North Carolina Savings Rate Forecast, Next 12 Months
Savings rates move with Federal Reserve policy. Our model uses the current NC high-yield average and a Fed funds spread to project the likely rate trajectory for 2026–2027.
Savings account rates are variable and move in close correlation with the Federal Reserve’s federal funds rate target. Our 12-month forecast is derived from the current NC high-yield savings average of 1.968% APY and a Fed funds spread model calibrated to the historical relationship between policy rate changes and deposit rate adjustments at banks and credit unions.
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; deposit rates at banks and credit unions track policy-rate changes within 60–90 days. High-yield online savings rates tend to adjust faster than standard branch-based savings rates.
Important notice: This forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions in Winston Salem, North Carolina.
Savings Account Earnings in Winston Salem, North Carolina
Annual interest earnings at current NC average APYs, based on the high-yield and standard savings averages tracked in our database. Compounding assumed monthly.
| Balance | HY Savings (1.968% APY) | Monthly Earnings | Standard Savings (0.814% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $98.41 / year | $8.20 | $40.68 / year | $3.39 |
| $10,000 | $196.82 / year | $16.40 | $81.36 / year | $6.78 |
| $25,000 | $492.05 / year | $41.00 | $203.40 / year | $16.95 |
| $50,000 | $984.10 / year | $82.01 | $406.80 / year | $33.90 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, and daily balance maintained. Rates are variable and subject to change. Source: Winston Salem, North Carolina savings rate averages as of September 22, 2026. | ||||
About Our Winston Salem, North Carolina Savings Rate Database
MonitorBankRates found 12 institutions with branches in Winston Salem (5 banks, 7 credit unions), plus 1 additional state-chartered and national online institutions available to Winston Salem residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: State Employees Credit Union offers a savings account at 3.30% APY with a minimum deposit of $25. Use the rate table above to compare all current offers in Winston Salem, North Carolina.
How to Find the Best Savings Rates in Winston Salem, North Carolina
What to compare when shopping for a savings account in Winston Salem, North Carolina
To find the best savings APYs in Winston Salem, North Carolina, start with credit unions and online-only banks: Winston Salem, North Carolina has 7 credit unions in our database, and they consistently offer some of the highest yields because they are member-owned nonprofits with lower overhead than traditional banks.
Always compare the APY (Annual Percentage Yield), not just the interest rate. APY reflects compounding and is the true measure of what you’ll earn. Savings accounts that compound daily earn slightly more than those compounding monthly at the same stated rate. The current NC high-yield savings average is 1.968% but top local institutions are offering as high as 3.30%, so shopping around pays off.
Unlike a CD, savings account rates are variable. Your rate can change at any time with Federal Reserve policy. Many institutions offer elevated introductory rates that reset after a promotional period. Review your account periodically to ensure your APY remains competitive.
When a High-Yield Savings Account Makes Sense
- Emergency fund: Financial experts recommend 3–6 months of expenses in a liquid, FDIC-insured account. Winston Salem, North Carolina high-yield savings rates currently average 1.968% APY, far above a typical checking account.
- Short-term savings goals (6–24 months): If you may need the money soon, a savings account gives you immediate access without early withdrawal penalties.
- Parking cash between investments: A high-yield savings account at Winston Salem, North Carolina institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 13 institutions in Winston Salem, North Carolina report savings rates to our database.
- No rate lock-in risk: Unlike a CD, your rate moves up with the market if rates rise further.
Consider an Alternative If…
- You want a locked-in, guaranteed return → Winston Salem, North Carolina CD rates
- You want check-writing flexibility → Winston Salem, North Carolina money market rates
- You need daily transaction access → Winston Salem, North Carolina checking rates
North Carolina Financial Snapshot
Local demographics and economic context for savers. Source: U.S. Census Bureau (state-level data shown; city data not available)
17.2% of residents are 65 or older, in line with the national average of 17.3%. At today’s NC high-yield savings average of 1.968%, saving 10% of the local median salary ($4,302/year) would earn an additional $85 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Winston Salem, North Carolina Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Winston Salem, North Carolina.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current NC Avg APY | 1.968% | 0.814% | View MMA Rates | View CD Rates |
| Rate Type | Variable | Variable | Variable | Fixed for term |
| FDIC / NCUA Insured | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K |
| Withdraw Anytime | ✓ Yes | ✓ Yes | ✓ Yes | ✗ Penalty applies |
| Check Writing | ✗ No | ✗ No | ✓ Often yes | ✗ No |
| Debit / ATM Card | Some institutions | ✗ Rarely | ✓ Often yes | ✗ No |
| Typical Min Deposit | $0 – $100 | $25 – $100 | $0 – $2,500 | $500 – $1,000 |
| Rate Risk | Variable, moves with Fed policy | Variable, moves with Fed policy | Variable, moves with Fed policy | None, locked for term |
| Best For | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Active savers wanting flexibility + check writing | Locking in a rate for a defined period |
APY data reflects Winston Salem, North Carolina averages tracked in our database as of September 22, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for Winston Salem, North Carolina
At NC’s top rate of 3.30% from State Employees Credit Union, a $10,000 deposit earns $330 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Winston Salem, North Carolina earner is roughly $10,800. At 1.968% APY, saving $900/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. High-Yield SavingsNorth Carolina’s high-yield savings average is 1.968% APY, variable and always accessible. A local CD may offer a higher fixed yield in exchange for locking in your deposit. Compare both side-by-side to find the better fit for your timeline.
Budget CalculatorBefore you can grow your savings, you need to know how much you can set aside each month. The median Winston Salem, North Carolina earner makes $43,026/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 1.968% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 1.968% APY grows to roughly $36,918 over 20 years with compounding. See how your current savings trajectory lines up with your retirement income needs.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Winston Salem, North Carolina savings 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 Savings Rate Data: We aggregate savings account rates for Winston Salem, 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 Winston Salem, 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 Winston Salem, North Carolina
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Winston Salem, North Carolina safe?
How often do savings rates change in Winston Salem, 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 Winston Salem, North Carolina?
How do I open a savings account in Winston Salem, North Carolina?
Best Savings Rates in Winston Salem, North Carolina
- State Employees Credit Union
Coverdell Education Savings Account: 3.30% APY - The Huntington National Bank
Relationship Savings Account: 3.25% APY - Truliant Federal Credit Union
High Yield Rewards Savings: 3.20% APY - Members Credit Union Winston Salem, NC
Super 60 Savings: 2.12% APY - American Partners Federal Credit Union
Non-Profit and Business Savings: 1.75% APY
Winston Salem, North Carolina Rates & Resources
