Best Credit Union Savings and Money Market Rates in North Carolina, NC July 30, 2025

You are viewing savings rates from credit unions across North Carolina

or View rates from local credit unions

Credit Unions can offer savings and money market rates that are competitive not only with local banks, but also sometimes with the best rates at online savings banks. The table below lists the best rates at credit unions near you. If you click on the credit union’s name, you’ll be taken to more information about its locations and operations.

NC - July 30, 2025

Savings Account National Average Rate: 0.45% ^?

Credit Unions	APY	MIN
REV Restrictions	5.00% 0.55% 0.45%	$100,000 $10,000 $1,000	Learn More Add Review
FIRST FLIGHT First Flight Branch Restrictions	4.07% 1.51% 1.00%	$10,000 $50,000 $1,000	Learn More Add Review
UNITED United Branch Restrictions	4.00% 3.75% 3.50%	$250,000 $100,000 $1,000	Learn More Add Review
BAXTER Baxter Branch Restrictions	4.00% 0.40% 0.30% 0.15% 0.10% 0.05%	$15,000 $500,000 $250,000 $100,000 $25,000 $1,000	Learn More Add Review
12 Month Introductory Rate
CORNING Corning Branch Restrictions	3.65% 3.15% 2.65% 2.15% 1.65%	$500,000 $250,000 $100,000 $25,000 $2,500	Learn More Add Review
Rate History: 2.30% → 3.65%
COASTAL Coastal Branch Restrictions	3.25%	$0	Learn More Add Review
Rate History: 3.50% → 3.25%
ALLIANT Restrictions	3.10%	$100	Learn More
Gaius Gracchus \| Mar 22, 2024 Their CD rates are reasonable and their Visa rewards is very good at 2.5% on all purchases up to 10K/month. Their customer service is polite and helpful. However, their IT department must need some serio... Read More Reviews (5)
ALLEGACY Allegacy Branch Restrictions	3.00% 2.50%	$500,000 $250,000	Learn More Add Review
Rate History: 2.30% → 3.00%
FORT LIBERTY Fort Bragg Branch Restrictions	3.00%	$5,000	Learn More Add Review
Rate History: 3.50% → 3.00%
PENTAGON Pentagon Branch Restrictions	2.90%	$5	Learn More
Last change: ↓ 0.10% on February 10.
Rob \| Dec 25, 2023 I joined in PENFED in Spring Of 2023 after 15 yrs of belonging to one of the banking giants. I found my accounts dwindling fast unexplained decreases. I decided to close the account but had to return a mer... Read More Reviews (15)
FOUNDERS Founders Branch Restrictions	2.53% 2.02% 1.51%	$100,000 $50,000 $1,000	Learn More
Eternal Hope \| Dec 12, 2019 We have saving with Founders for 2 years and are very pleased with excellent service, great employees and high savings rates. Read More Reviews (1)
GREENSTATE Restrictions	2.45% 2.25% 2.05% 1.85% 1.65% 1.45%	$1,000,000 $500,000 $250,000 $100,000 $50,000 $2,500	Learn More
Slynyrd \| Nov 11, 2022 It would be great to hear back from someone regarding my bump-up rate currently available, BEFORE 18 days has passed. Still waiting. Read More Reviews (2)
NAVY FEDERAL CREDIT UNION Navy Federal Credit Branch Restrictions	2.25% 2.05% 1.85% 1.65% 1.50% 1.10% 1.06% 0.95%	$1,000,000 $500,000 $250,000 $100,000 $50,000 $25,000 $10,000 $2,500	Learn More
Amanda Frank \| Feb 25, 2023 HORRIBLE SERVICE. My son's campus checking account was hacked and over $9000 was stolen. Fraud department was impossible to reach and we waited on phone several days for over 2 hours at a time. They too... Read More Reviews (19)
LATINO COMMUNITY Monroe Branch Restrictions	2.22%	$500	Learn More Add Review
Rate History: 2.79% → 2.22%
TRULIANT Truliant Branch Restrictions	2.20% 2.03% 1.30% 1.25% 1.00%	$250,000 $100,000 $75,000 $50,000 $0	Learn More Add Review
Rate History: 2.10% → 2.25% → 2.20%
SELF-HELP Self-help Branch Restrictions	2.12%	$500	Learn More
Rate History: 3.15% → 2.64% → 2.43% → 2.30% → 2.12%
Asheville Saver \| Dec 30, 2018 Best financial institution in NC. Highest rates on savings and is involved with helping their customers and the communities they operate in. Read More Reviews (1)
AMERICAN AIRLINES American Airlines Branch Restrictions	2.02%	$5	Learn More
jose \| Jun 12, 2017 five star......great location...fast service Read More Reviews (1)
CORPORATE AMERICA FAMILY Corporate America Fa Branch Restrictions	2.02% 1.51% 1.26% 1.01% 0.90% 0.80% 0.70%	$250,000 $100,000 $50,000 $25,000 $10,000 $2,500 $1,000	Learn More Add Review
BAXTER Baxter Branch Restrictions	2.00% 1.50% 0.01%	$25,000 $25 $0	Learn More Add Review
Rate History: 2.50% → 2.00%
ALLEGACY Allegacy Branch Restrictions	2.00% 1.90% 1.80% 1.50%	$100,000 $50,000 $25,000 $0	Learn More Add Review
Rate History: 2.10% → 2.00%
STATE EMPLOYEES' Clinton Branch Restrictions	2.00%	$250	Learn More Add Review
Rate History: 1.11% → 1.26% → 1.51% → 1.77% → 2.00%
SKYLA Charlotte Metro Branch Restrictions	1.50% 1.00%	$1,000 $10,000	Learn More Add Review
Rate History: 1.00% → 1.50%
GREENSTATE Restrictions	1.25% 0.05%	$100 $101	Learn More
Slynyrd \| Nov 11, 2022 It would be great to hear back from someone regarding my bump-up rate currently available, BEFORE 18 days has passed. Still waiting. Read More Reviews (2)
WEYCO COMMUNITY Main Office Branch Restrictions	1.00%	$250	Learn More Add Review
Rate History: 0.45% → 1.00%
COASTAL Coastal Branch Restrictions	1.00%	$0	Learn More Add Review
Rate History: 2.00% → 1.00%
CORNING Corning Branch Restrictions	1.00% 0.75% 0.60% 0.50%	$25,000 $10,000 $2,500 $0	Learn More Add Review
SHARONVIEW Sharonview Branch Restrictions	0.75%	$10,000	Learn More
Problems \| Jan 13, 2019 Customer service sucks if you have to call in. My card has been locked for almost a month and I’ve yet to speak with a human for what I’m sure is a easily fixed problem. I specifically can’t get thro... Read More Reviews (1)
ATLANTA POSTAL Asheville Branch Restrictions	0.70%	$100,000	Learn More Add Review
BRAGG MUTUAL Bragg Mutual Branch Restrictions	0.70%	$10,000	Learn More
MissyDorman \| Oct 20, 2019 What ATM machines will except cash Deposits for this bank Read More Reviews (1)
PREMIER Premier Branch Restrictions	0.65%	$25,000	Learn More Add Review
ATLANTA POSTAL Asheville Branch Restrictions	0.60%	$50,000	Learn More Add Review
SUMMIT Summit Branch Restrictions	0.60%	$10,000	Learn More Add Review
LOCAL GOVERNMENT Corporate Office Branch Restrictions	0.60%	$2,500	Learn More Add Review
PREMIER Premier Branch Restrictions	0.55%	$10,000	Learn More Add Review
TELCO COMMUNITY CREDIT UNION Telco Community Cred Branch Restrictions	0.50%	$2,500	Learn More Add Review
ATLANTA POSTAL Asheville Branch Restrictions	0.50%	$25,000	Learn More Add Review
PREMIER Premier Branch Restrictions	0.50%	$2,500	Learn More Add Review
SHARONVIEW Sharonview Branch Restrictions	0.50%	$2,500	Learn More
Problems \| Jan 13, 2019 Customer service sucks if you have to call in. My card has been locked for almost a month and I’ve yet to speak with a human for what I’m sure is a easily fixed problem. I specifically can’t get thro... Read More Reviews (1)
LION'S SHARE Lion's Share Branch Restrictions	0.50%	$2,500	Learn More
Bethany Williams \| Oct 23, 2021 Excellent customer service from start to finish. I enjoyed working with Melinda Dillon, she goes above and beyond. Read More Reviews (1)
BRAGG MUTUAL Bragg Mutual Branch Restrictions	0.50%	$2,500	Learn More
MissyDorman \| Oct 20, 2019 What ATM machines will except cash Deposits for this bank Read More Reviews (1)
MARINE Marine Branch Restrictions	0.50%	$25,000	Learn More
Dev1ldog \| Mar 12, 2023 Is this credit union still open? If it is it’s not relevant to the military in general. I dropped this credit union for poor customer service, and poor loan and dividend rates. Just compare their rates... Read More Reviews (1)
ATLANTA POSTAL Asheville Branch Restrictions	0.40%	$2,500	Learn More Add Review
CAROLINA Carolina Branch Restrictions	0.40%	$25,000	Learn More Add Review
PROPONENT Proponent Branch Restrictions	0.40%	$25,000	Learn More Add Review
ACCLAIM Acclaim Branch	0.40%	$25,000	Learn More Add Review
MARINE Marine Branch Restrictions	0.40%	$2,500	Learn More
Dev1ldog \| Mar 12, 2023 Is this credit union still open? If it is it’s not relevant to the military in general. I dropped this credit union for poor customer service, and poor loan and dividend rates. Just compare their rates... Read More Reviews (1)
LOCAL GOVERNMENT Corporate Office Branch Restrictions	0.40%	$2,500	Learn More Add Review
TELCO Telco Branch	0.35%	$10,000	Learn More Add Review
ACCLAIM Acclaim Branch	0.35%	$2,500	Learn More Add Review
MEMBERS HERITAGE Zebulon Branch Restrictions	0.35%	$25,000	Learn More Add Review
MOUNTAIN Mountain Branch Restrictions	0.30%	$25,000	Learn More Add Review
SELF-HELP Self-help Branch Restrictions	0.30%	$0	Learn More
Asheville Saver \| Dec 30, 2018 Best financial institution in NC. Highest rates on savings and is involved with helping their customers and the communities they operate in. Read More Reviews (1)
TELCO COMMUNITY CREDIT UNION Telco Community Cred Branch Restrictions	0.30%	$2,500	Learn More Add Review
SUMMIT Summit Branch Restrictions	0.30%	$2,500	Learn More Add Review
CAROLINA Carolina Branch Restrictions	0.30%	$10,000	Learn More Add Review
PROPONENT Proponent Branch Restrictions	0.30%	$10,000	Learn More Add Review
LION'S SHARE Lion's Share Branch Restrictions	0.30%	$2,500	Learn More
Bethany Williams \| Oct 23, 2021 Excellent customer service from start to finish. I enjoyed working with Melinda Dillon, she goes above and beyond. Read More Reviews (1)
CENTRA Centra Branch Restrictions	0.30%	$25,000	Learn More
Jason crook \| Mar 14, 2020 One thing I hate about Centra Credit f***** Union they have no customer service help at all whatsoever. After hours that sucks ass Read More* Reviews (1)
STAR USA Restrictions	0.25%	$50,000	Learn More
RaShaun \| Aug 31, 2020 Great rates and fast loans Read More Reviews (1)
GREENSBORO MUNICIPAL Soabar St Branch Restrictions	0.25%	$1,000	Learn More Add Review
PREMIER Premier Branch Restrictions	0.25%	$2,500	Learn More Add Review
WINSTON-SALEM Winston Salem City E Branch Restrictions	0.25%	$25,000	Learn More Add Review
MARINE Marine Branch Restrictions	0.25%	$2,500	Learn More
Dev1ldog \| Mar 12, 2023 Is this credit union still open? If it is it’s not relevant to the military in general. I dropped this credit union for poor customer service, and poor loan and dividend rates. Just compare their rates... Read More Reviews (1)
XCEED FINANCIAL Restrictions	0.25%	$10,000	Learn More Add Review
MEMBERS HERITAGE Zebulon Branch Restrictions	0.25%	$10,000	Learn More Add Review
NAVY FEDERAL CREDIT UNION Navy Federal Credit Branch Restrictions	0.25%	$5	Learn More
Amanda Frank \| Feb 25, 2023 HORRIBLE SERVICE. My son's campus checking account was hacked and over $9000 was stolen. Fraud department was impossible to reach and we waited on phone several days for over 2 hours at a time. They too... Read More Reviews (19)
STATE EMPLOYEES' Clinton Branch Restrictions	0.25%	$25	Learn More Add Review
Rate History: 0.10% → 0.25%
EDU Restrictions	0.20%	$0	Learn More Add Review
MOUNTAIN Mountain Branch Restrictions	0.20%	$10,000	Learn More Add Review
CHAMPION Champion Branch Restrictions	0.20%	$5	Learn More Add Review
NOVA Carolina Postal Credit Union Branch Restrictions	0.20%	$2,500	Learn More Add Review
MCDOWELL CORNERSTONE Mcdowell Cornerstone Branch Restrictions	0.20%	$2,500	Learn More Add Review
CAROLINA Carolina Branch Restrictions	0.20%	$2,500	Learn More Add Review
CAROLINA COOPERATIVE Carolina Cooperative Branch Restrictions	0.20%	$2,500	Learn More Add Review
FORT FINANCIAL Fort Financial Branch Restrictions	0.20%	$25,000	Learn More Add Review
ABNB Abnb Branch Restrictions	0.20%	$25,000	Learn More Add Review
WINSTON-SALEM Winston Salem City E Branch Restrictions	0.20%	$2,500	Learn More Add Review
HEALTHSHARE Greensboro Health Ca Branch Restrictions	0.20%	$10,000	Learn More Add Review
FORT LIBERTY Fort Bragg Branch Restrictions	0.20%	$5	Learn More Add Review
Rate History: 0.25% → 0.20%
XCEED FINANCIAL Restrictions	0.20%	$2,500	Learn More Add Review
CENTRA Centra Branch Restrictions	0.20%	$10,000	Learn More
Jason crook \| Mar 14, 2020 One thing I hate about Centra Credit f***** Union they have no customer service help at all whatsoever. After hours that sucks ass Read More* Reviews (1)
WEYCO COMMUNITY Main Office Branch Restrictions	0.20%	$25	Learn More Add Review
ALLEGACY Allegacy Branch Restrictions	0.15%	$0	Learn More Add Review
Rate History: 0.20% → 0.15%
STAR USA Restrictions	0.15%	$2,500	Learn More
RaShaun \| Aug 31, 2020 Great rates and fast loans Read More Reviews (1)
MOUNTAIN Mountain Branch Restrictions	0.15%	$2,500	Learn More Add Review
SUMMIT Summit Branch Restrictions	0.15%	$2,500	Learn More Add Review
CAROLINA Carolina Branch Restrictions	0.15%	$2,500	Learn More Add Review
CAROLINAS TELCO Carolinas Telco Branch Restrictions	0.15%	$2,500	Learn More Add Review
CAROLINA COOPERATIVE Carolina Cooperative Branch Restrictions	0.15%	$2,500	Learn More Add Review
PIEDMONT ADVANTAGE CREDIT UNION Piedmont Advantage C Branch Restrictions	0.15%	$25,000	Learn More
Bortyfred \| Dec 15, 2020 They told me that they would cut me a cashiers check for $4800 from my checking. I arrived there and new story only $500 can withdrawal. They are history as I am closing my account Read More Reviews (1)
FORT FINANCIAL Fort Financial Branch Restrictions	0.15%	$10,000	Learn More Add Review
LATINO COMMUNITY Monroe Branch Restrictions	0.15%	$10	Learn More Add Review
CHARLOTTE FIRE DEPARTMENT Charlotte Fire Depar Branch Restrictions	0.15%	$2,500	Learn More Add Review
WINSTON-SALEM Winston Salem City E Branch Restrictions	0.15%	$2,500	Learn More Add Review
HEALTHSHARE Greensboro Health Ca Branch Restrictions	0.15%	$2,500	Learn More Add Review
VISION FINANCIAL Vision Financial Branch Restrictions	0.15%	$2,500	Learn More Add Review
CAMPBELL Campbell Employees Branch Restrictions	0.15%	$2,500	Learn More Add Review
MEMBERS HERITAGE Zebulon Branch Restrictions	0.15%	$2,500	Learn More Add Review
GENERAL ELECTRIC EMPLOYEES General Electric Emp Branch Restrictions	0.15%	$25,000	Learn More Add Review
WELCOME Welcome Branch Restrictions	0.15%	$25,000	Learn More Add Review
CENTRA Centra Branch Restrictions	0.15%	$2,500	Learn More
Jason crook \| Mar 14, 2020 One thing I hate about Centra Credit f***** Union they have no customer service help at all whatsoever. After hours that sucks ass Read More* Reviews (1)
PENTAGON Pentagon Branch Restrictions	0.15% 0.05%	$100,000 $0	Learn More
Rob \| Dec 25, 2023 I joined in PENFED in Spring Of 2023 after 15 yrs of belonging to one of the banking giants. I found my accounts dwindling fast unexplained decreases. I decided to close the account but had to return a mer... Read More Reviews (15)
STAR USA Restrictions	0.10%	$10	Learn More
RaShaun \| Aug 31, 2020 Great rates and fast loans Read More Reviews (1)
FIRST FLIGHT First Flight Branch Restrictions	0.10% 0.05%	$10,000 $25	Learn More Add Review
MOUNTAIN Mountain Branch Restrictions	0.10%	$2,500	Learn More Add Review
MEMBERS Members Branch Restrictions	0.10%	$2,500	Learn More Add Review
NOVA Carolina Postal Credit Union Branch Restrictions	0.10%	$2,500	Learn More Add Review
TRULIANT Truliant Branch Restrictions	0.10%	$0	Learn More Add Review
PIEDMONT ADVANTAGE CREDIT UNION Piedmont Advantage C Branch Restrictions	0.10%	$2,500	Learn More
Bortyfred \| Dec 15, 2020 They told me that they would cut me a cashiers check for $4800 from my checking. I arrived there and new story only $500 can withdrawal. They are history as I am closing my account Read More Reviews (1)
PROPONENT Proponent Branch Restrictions	0.10%	$2,500	Learn More Add Review
FOUNDERS Founders Branch Restrictions	0.10%	$5	Learn More
Eternal Hope \| Dec 12, 2019 We have saving with Founders for 2 years and are very pleased with excellent service, great employees and high savings rates. Read More Reviews (1)
ACCLAIM Acclaim Branch	0.10%	$2,500	Learn More Add Review
HEALTHSHARE Greensboro Health Ca Branch Restrictions	0.10%	$2,500	Learn More Add Review
BRAGG MUTUAL Bragg Mutual Branch Restrictions	0.10%	$2,500	Learn More
MissyDorman \| Oct 20, 2019 What ATM machines will except cash Deposits for this bank Read More Reviews (1)
VISION FINANCIAL Vision Financial Branch Restrictions	0.10%	$2,500	Learn More Add Review
EXCITE Alliance Branch Restrictions	0.10%	$2,500	Learn More Add Review
COASTAL Coastal Branch Restrictions	0.10%	$25	Learn More Add Review
GENERAL ELECTRIC EMPLOYEES General Electric Emp Branch Restrictions	0.10%	$2,500	Learn More Add Review
WELCOME Welcome Branch Restrictions	0.10%	$2,500	Learn More Add Review
CENTRA Centra Branch Restrictions	0.10%	$2,500	Learn More
Jason crook \| Mar 14, 2020 One thing I hate about Centra Credit f***** Union they have no customer service help at all whatsoever. After hours that sucks ass Read More* Reviews (1)
PENTAGON Pentagon Branch Restrictions	0.10%	$10,000	Learn More
Rob \| Dec 25, 2023 I joined in PENFED in Spring Of 2023 after 15 yrs of belonging to one of the banking giants. I found my accounts dwindling fast unexplained decreases. I decided to close the account but had to return a mer... Read More Reviews (15)
DUKE UNIVERSITY Duke University Branch Restrictions	0.07%	$2,500	Learn More Add Review
STAR USA Restrictions	0.05%	$5	Learn More
RaShaun \| Aug 31, 2020 Great rates and fast loans Read More Reviews (1)
CORPORATE AMERICA FAMILY Corporate America Fa Branch Restrictions	0.05%	$0	Learn More Add Review
TELCO Telco Branch	0.05%	$5	Learn More Add Review
UNITED United Branch Restrictions	0.05%	$300	Learn More Add Review
REV Restrictions	0.05% 0.01%	$50,000 $0	Learn More Add Review
SHARONVIEW Sharonview Branch Restrictions	0.05%	$2,500	Learn More
Problems \| Jan 13, 2019 Customer service sucks if you have to call in. My card has been locked for almost a month and I’ve yet to speak with a human for what I’m sure is a easily fixed problem. I specifically can’t get thro... Read More Reviews (1)
FORT FINANCIAL Fort Financial Branch Restrictions	0.05%	$2,500	Learn More Add Review
ABNB Abnb Branch Restrictions	0.05%	$2,500	Learn More Add Review
EXCITE Alliance Branch Restrictions	0.05%	$2,500	Learn More Add Review
XCEED FINANCIAL Restrictions	0.05%	$2,500	Learn More Add Review
MEMBERS HERITAGE Zebulon Branch Restrictions	0.05%	$2,500	Learn More Add Review
GENERAL ELECTRIC EMPLOYEES General Electric Emp Branch Restrictions	0.05%	$2,500	Learn More Add Review
R T P R T P Branch Restrictions	0.05%	$2,500	Learn More Add Review
WELCOME Welcome Branch Restrictions	0.05%	$2,500	Learn More Add Review
R T P R T P Branch Restrictions	0.03%	$2,500	Learn More Add Review
DUKE UNIVERSITY Duke University Branch Restrictions	0.03%	$2,500	Learn More Add Review
EDU Restrictions	0.01%	$1	Learn More Add Review

All rates listed are Annual Percentage Yield (APY). The APY rate in a savings account or money market account is a variable rate that is subject to change at any point. The Min listed is the minimum deposit account balance required to obtain the rate listed.

See rates for Local Banks →

See rates for Online Banks →

Branches Info across North Carolina

Branch	Street	City	State
FIRST FLIGHT First Flight First Flight Branch	2425 Kildaire Farm Rd, Suite 106	Cary	NC
UNITED United United Branch	28 Heritage Park Drive #5	Fletcher	NC
BAXTER Baxter Baxter Branch	67 Pitts Station Road	Marion	NC
UNITED United United Branch	28 Heritage Park Drive #5	Fletcher	NC
CORNING Corning Corning Branch	125 Racine Dr.	Wilmington	NC
UNITED United United Branch	28 Heritage Park Drive #5	Fletcher	NC
COASTAL Coastal Coastal Branch	Administrative Headquarters, 1000 S	Raleigh	NC
CORNING Corning Corning Branch	125 Racine Dr.	Wilmington	NC
ALLEGACY Allegacy Allegacy Branch	1691 Westbrook Plaza Dr.	Winston-Salem	NC
FORT LIBERTY Fort Bragg Fort Bragg Branch	South PX Drive	Fort Bragg	NC
PENTAGON Pentagon Pentagon Branch	1800 Skibo Road, Suite 320	Fayetteville	NC
CORNING Corning Corning Branch	125 Racine Dr.	Wilmington	NC
FOUNDERS Founders Founders Branch	10600 South Commerce Blvd	Charlotte	NC
ALLEGACY Allegacy Allegacy Branch	1691 Westbrook Plaza Dr.	Winston-Salem	NC
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	2606 Bragg Blvd	Fayetteville	NC
LATINO COMMUNITY Monroe Monroe Branch	1951 Dickerson Blvd Ste D	Monroe	NC
TRULIANT Truliant Truliant Branch	3200 TRULIANT WAY	WINSTON SALEM	NC
CORNING Corning Corning Branch	125 Racine Dr.	Wilmington	NC
SELF-HELP Self-help Self-help Branch	301 W. MAIN STREET	DURHAM	NC
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	2606 Bragg Blvd	Fayetteville	NC
TRULIANT Truliant Truliant Branch	3200 TRULIANT WAY	WINSTON SALEM	NC
FOUNDERS Founders Founders Branch	10600 South Commerce Blvd	Charlotte	NC
AMERICAN AIRLINES American Airlines American Airlines Branch	AAFCU, 500 Gregson Drive	Cary	NC
CORPORATE AMERICA FAMILY Corporate America Fa Corporate America Fa Branch	5870 Samet Drive, Suite 113	High Point	NC
BAXTER Baxter Baxter Branch	67 Pitts Station Road	Marion	NC
ALLEGACY Allegacy Allegacy Branch	1691 Westbrook Plaza Dr.	Winston-Salem	NC
STATE EMPLOYEES' Clinton Clinton Branch	221 NORTH BLVD	CLINTON	NC
ALLEGACY Allegacy Allegacy Branch	1691 Westbrook Plaza Dr.	Winston-Salem	NC
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	2606 Bragg Blvd	Fayetteville	NC
ALLEGACY Allegacy Allegacy Branch	1691 Westbrook Plaza Dr.	Winston-Salem	NC
CORNING Corning Corning Branch	125 Racine Dr.	Wilmington	NC
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	2606 Bragg Blvd	Fayetteville	NC
CORPORATE AMERICA FAMILY Corporate America Fa Corporate America Fa Branch	5870 Samet Drive, Suite 113	High Point	NC
FOUNDERS Founders Founders Branch	10600 South Commerce Blvd	Charlotte	NC
FIRST FLIGHT First Flight First Flight Branch	2425 Kildaire Farm Rd, Suite 106	Cary	NC
BAXTER Baxter Baxter Branch	67 Pitts Station Road	Marion	NC
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	2606 Bragg Blvd	Fayetteville	NC
ALLEGACY Allegacy Allegacy Branch	1691 Westbrook Plaza Dr.	Winston-Salem	NC
SKYLA Charlotte Metro Charlotte Metro Branch	718 Central Ave	Charlotte	NC
TRULIANT Truliant Truliant Branch	3200 TRULIANT WAY	WINSTON SALEM	NC
CORPORATE AMERICA FAMILY Corporate America Fa Corporate America Fa Branch	5870 Samet Drive, Suite 113	High Point	NC
TRULIANT Truliant Truliant Branch	3200 TRULIANT WAY	WINSTON SALEM	NC
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	2606 Bragg Blvd	Fayetteville	NC
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	2606 Bragg Blvd	Fayetteville	NC
CORPORATE AMERICA FAMILY Corporate America Fa Corporate America Fa Branch	5870 Samet Drive, Suite 113	High Point	NC
WEYCO COMMUNITY Main Office Main Office Branch	316 NC Hwy 149 N	Plymouth	NC
SKYLA Charlotte Metro Charlotte Metro Branch	718 Central Ave	Charlotte	NC
COASTAL Coastal Coastal Branch	Administrative Headquarters, 1000 S	Raleigh	NC
FIRST FLIGHT First Flight First Flight Branch	2425 Kildaire Farm Rd, Suite 106	Cary	NC
CORNING Corning Corning Branch	125 Racine Dr.	Wilmington	NC
TRULIANT Truliant Truliant Branch	3200 TRULIANT WAY	WINSTON SALEM	NC
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	2606 Bragg Blvd	Fayetteville	NC
CORPORATE AMERICA FAMILY Corporate America Fa Corporate America Fa Branch	5870 Samet Drive, Suite 113	High Point	NC
CORPORATE AMERICA FAMILY Corporate America Fa Corporate America Fa Branch	5870 Samet Drive, Suite 113	High Point	NC
SHARONVIEW Sharonview Sharonview Branch	7422 Carmel Executive Park Suite 100	Charlotte	NC
CORNING Corning Corning Branch	125 Racine Dr.	Wilmington	NC
CORPORATE AMERICA FAMILY Corporate America Fa Corporate America Fa Branch	5870 Samet Drive, Suite 113	High Point	NC
ATLANTA POSTAL Asheville Branch Asheville Branch	591 Brevard Rd	Asheville	NC
BRAGG MUTUAL Bragg Mutual Bragg Mutual Branch	2917 Village Drive	Fayetteville	NC
PREMIER Premier Premier Branch	1400 Yanceyville St	Greensboro	NC
ATLANTA POSTAL Asheville Branch Asheville Branch	591 Brevard Rd	Asheville	NC
SUMMIT Summit Summit Branch	8210 W Market St	Greensboro	NC
LOCAL GOVERNMENT Corporate Office Corporate Office Branch	323 W Jones St Ste 600	Raleigh	NC
CORNING Corning Corning Branch	125 Racine Dr.	Wilmington	NC
PREMIER Premier Premier Branch	1400 Yanceyville St	Greensboro	NC
TELCO COMMUNITY CREDIT UNION Telco Community Cred Telco Community Cred Branch	712 New Leicester Hwy	Asheville	NC
ATLANTA POSTAL Asheville Branch Asheville Branch	591 Brevard Rd	Asheville	NC
PREMIER Premier Premier Branch	1400 Yanceyville St	Greensboro	NC
SHARONVIEW Sharonview Sharonview Branch	7422 Carmel Executive Park Suite 100	Charlotte	NC
LION'S SHARE Lion's Share Lion's Share Branch	850 Harrison Road	Salisbury	NC
BRAGG MUTUAL Bragg Mutual Bragg Mutual Branch	2917 Village Drive	Fayetteville	NC
CORNING Corning Corning Branch	125 Racine Dr.	Wilmington	NC
MARINE Marine Marine Branch	4180 Western Blvd.	Jacksonville	NC
BAXTER Baxter Baxter Branch	67 Pitts Station Road	Marion	NC
ATLANTA POSTAL Asheville Branch Asheville Branch	591 Brevard Rd	Asheville	NC
CAROLINA Carolina Carolina Branch	1200 EAST CHURCH STREET	CHERRYVILLE	NC
PROPONENT Proponent Proponent Branch	358 South Main Street	Burlington	NC
ACCLAIM Acclaim Acclaim Branch	1823 Banking St	Greensboro	NC
MARINE Marine Marine Branch	4180 Western Blvd.	Jacksonville	NC
LOCAL GOVERNMENT Corporate Office Corporate Office Branch	323 W Jones St Ste 600	Raleigh	NC
TELCO Telco Telco Branch	1720 Barlow Road	Tarboro	NC
ACCLAIM Acclaim Acclaim Branch	1823 Banking St	Greensboro	NC
MEMBERS HERITAGE Zebulon Branch Zebulon Branch	125 E Gannon Ave	Zebulon	NC
BAXTER Baxter Baxter Branch	67 Pitts Station Road	Marion	NC
MOUNTAIN Mountain Mountain Branch	38 Maple Street	Waynesville	NC
SELF-HELP Self-help Self-help Branch	301 W. MAIN STREET	DURHAM	NC
TELCO COMMUNITY CREDIT UNION Telco Community Cred Telco Community Cred Branch	712 New Leicester Hwy	Asheville	NC
SUMMIT Summit Summit Branch	8210 W Market St	Greensboro	NC
CAROLINA Carolina Carolina Branch	1200 EAST CHURCH STREET	CHERRYVILLE	NC
PROPONENT Proponent Proponent Branch	358 South Main Street	Burlington	NC
LION'S SHARE Lion's Share Lion's Share Branch	850 Harrison Road	Salisbury	NC
CENTRA Centra Centra Branch	9377 N. U.S. Highway 301	Whitakers	NC
REVITY Soabar St Soabar St Branch	2200 Soabar St	Greensboro	NC
PREMIER Premier Premier Branch	1400 Yanceyville St	Greensboro	NC
WINSTON-SALEM Winston Salem City E Winston Salem City E Branch	711 SALEM AVENUE	WINSTON SALEM	NC
MARINE Marine Marine Branch	4180 Western Blvd.	Jacksonville	NC
MEMBERS HERITAGE Zebulon Branch Zebulon Branch	125 E Gannon Ave	Zebulon	NC
NAVY FEDERAL CREDIT UNION Navy Federal Credit Navy Federal Credit Branch	2606 Bragg Blvd	Fayetteville	NC
STATE EMPLOYEES' Clinton Clinton Branch	221 NORTH BLVD	CLINTON	NC
MOUNTAIN Mountain Mountain Branch	38 Maple Street	Waynesville	NC
CHAMPION Champion Champion Branch	1 Academy ST	Canton	NC
NOVA Carolina Postal Credit Union Carolina Postal Credit Union Branch	315 E Green Dr	High Point	NC
MCDOWELL CORNERSTONE Mcdowell Cornerstone Mcdowell Cornerstone Branch	2031 RUTHERFORD RD	MARION	NC
CAROLINA Carolina Carolina Branch	1200 EAST CHURCH STREET	CHERRYVILLE	NC
CAROLINA COOPERATIVE Carolina Cooperative Carolina Cooperative Branch	6502 McMahon Drive	Charlotte	NC
FORT FINANCIAL Fort Financial Fort Financial Branch	121 Wamsutta Mill Rd	Morganton	NC
ABNB Abnb Abnb Branch	102-D Moyock Commons Dr.	Moyock	NC
WINSTON-SALEM Winston Salem City E Winston Salem City E Branch	711 SALEM AVENUE	WINSTON SALEM	NC
HEALTHSHARE Greensboro Health Ca Greensboro Health Ca Branch	GREENSBORO HEALTH CARE CREDIT UNION	GREENSBORO	NC
FORT LIBERTY Fort Bragg Fort Bragg Branch	South PX Drive	Fort Bragg	NC
CENTRA Centra Centra Branch	9377 N. U.S. Highway 301	Whitakers	NC
WEYCO COMMUNITY Main Office Main Office Branch	316 NC Hwy 149 N	Plymouth	NC
BAXTER Baxter Baxter Branch	67 Pitts Station Road	Marion	NC
ALLEGACY Allegacy Allegacy Branch	1691 Westbrook Plaza Dr.	Winston-Salem	NC
MOUNTAIN Mountain Mountain Branch	38 Maple Street	Waynesville	NC
SUMMIT Summit Summit Branch	8210 W Market St	Greensboro	NC
CAROLINA Carolina Carolina Branch	1200 EAST CHURCH STREET	CHERRYVILLE	NC
CAROLINAS TELCO Carolinas Telco Carolinas Telco Branch	2821 CRISMAN ST	CHARLOTTE	NC
CAROLINA COOPERATIVE Carolina Cooperative Carolina Cooperative Branch	6502 McMahon Drive	Charlotte	NC
PIEDMONT ADVANTAGE CREDIT UNION Piedmont Advantage C Piedmont Advantage C Branch	3810 North Liberty Street	Winston Salem	NC
FORT FINANCIAL Fort Financial Fort Financial Branch	121 Wamsutta Mill Rd	Morganton	NC
LATINO COMMUNITY Monroe Monroe Branch	1951 Dickerson Blvd Ste D	Monroe	NC
CHARLOTTE FIRE DEPARTMENT Charlotte Fire Depar Charlotte Fire Depar Branch	2100 Commonwealth Avenue	Charlotte	NC
WINSTON-SALEM Winston Salem City E Winston Salem City E Branch	711 SALEM AVENUE	WINSTON SALEM	NC
HEALTHSHARE Greensboro Health Ca Greensboro Health Ca Branch	GREENSBORO HEALTH CARE CREDIT UNION	GREENSBORO	NC
VISION FINANCIAL Vision Financial Vision Financial Branch	214 Pacific Ave	Durham	NC
CAMPBELL Campbell Employees Campbell Employees Branch	2120 N.C. HIGHWAY, 71 NORTH, CAMPBELL SOUP CO	MAXTON	NC
MEMBERS HERITAGE Zebulon Branch Zebulon Branch	125 E Gannon Ave	Zebulon	NC
GENERAL ELECTRIC EMPLOYEES General Electric Emp General Electric Emp Branch	6001 Six Forks Road	Raleigh	NC
WELCOME Welcome Welcome Branch	5 Moore Drive, MAI-CA428	RTP	NC
CENTRA Centra Centra Branch	9377 N. U.S. Highway 301	Whitakers	NC
PENTAGON Pentagon Pentagon Branch	1800 Skibo Road, Suite 320	Fayetteville	NC
BAXTER Baxter Baxter Branch	67 Pitts Station Road	Marion	NC
FIRST FLIGHT First Flight First Flight Branch	2425 Kildaire Farm Rd, Suite 106	Cary	NC
MOUNTAIN Mountain Mountain Branch	38 Maple Street	Waynesville	NC
MEMBERS Members Members Branch	2098 Frontis Plaza Blvd.	Winston Salem	NC
NOVA Carolina Postal Credit Union Carolina Postal Credit Union Branch	315 E Green Dr	High Point	NC
TRULIANT Truliant Truliant Branch	3200 TRULIANT WAY	WINSTON SALEM	NC
PIEDMONT ADVANTAGE CREDIT UNION Piedmont Advantage C Piedmont Advantage C Branch	3810 North Liberty Street	Winston Salem	NC
PROPONENT Proponent Proponent Branch	358 South Main Street	Burlington	NC
FOUNDERS Founders Founders Branch	10600 South Commerce Blvd	Charlotte	NC
ACCLAIM Acclaim Acclaim Branch	1823 Banking St	Greensboro	NC
HEALTHSHARE Greensboro Health Ca Greensboro Health Ca Branch	GREENSBORO HEALTH CARE CREDIT UNION	GREENSBORO	NC
BRAGG MUTUAL Bragg Mutual Bragg Mutual Branch	2917 Village Drive	Fayetteville	NC
VISION FINANCIAL Vision Financial Vision Financial Branch	214 Pacific Ave	Durham	NC
EXCITE Alliance Alliance Branch	3901 Castle Hayne Rd	Castle Hayne	NC
COASTAL Coastal Coastal Branch	Administrative Headquarters, 1000 S	Raleigh	NC
GENERAL ELECTRIC EMPLOYEES General Electric Emp General Electric Emp Branch	6001 Six Forks Road	Raleigh	NC
WELCOME Welcome Welcome Branch	5 Moore Drive, MAI-CA428	RTP	NC
CENTRA Centra Centra Branch	9377 N. U.S. Highway 301	Whitakers	NC
PENTAGON Pentagon Pentagon Branch	1800 Skibo Road, Suite 320	Fayetteville	NC
DUKE UNIVERSITY Duke University Duke University Branch	2200 West Main Street Suite L100	Durham	NC
BAXTER Baxter Baxter Branch	67 Pitts Station Road	Marion	NC
PENTAGON Pentagon Pentagon Branch	1800 Skibo Road, Suite 320	Fayetteville	NC
CORPORATE AMERICA FAMILY Corporate America Fa Corporate America Fa Branch	5870 Samet Drive, Suite 113	High Point	NC
TELCO Telco Telco Branch	1720 Barlow Road	Tarboro	NC
UNITED United United Branch	28 Heritage Park Drive #5	Fletcher	NC
SHARONVIEW Sharonview Sharonview Branch	7422 Carmel Executive Park Suite 100	Charlotte	NC
FORT FINANCIAL Fort Financial Fort Financial Branch	121 Wamsutta Mill Rd	Morganton	NC
ABNB Abnb Abnb Branch	102-D Moyock Commons Dr.	Moyock	NC
EXCITE Alliance Alliance Branch	3901 Castle Hayne Rd	Castle Hayne	NC
MEMBERS HERITAGE Zebulon Branch Zebulon Branch	125 E Gannon Ave	Zebulon	NC
GENERAL ELECTRIC EMPLOYEES General Electric Emp General Electric Emp Branch	6001 Six Forks Road	Raleigh	NC
R T P R T P R T P Branch	4220 Apex Hwy, Suite 220	Durham	NC
FIRST FLIGHT First Flight First Flight Branch	2425 Kildaire Farm Rd, Suite 106	Cary	NC
WELCOME Welcome Welcome Branch	5 Moore Drive, MAI-CA428	RTP	NC
R T P R T P R T P Branch	4220 Apex Hwy, Suite 220	Durham	NC
DUKE UNIVERSITY Duke University Duke University Branch	2200 West Main Street Suite L100	Durham	NC
BAXTER Baxter Baxter Branch	67 Pitts Station Road	Marion	NC

BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

FREQUENTLY ASKED QUESTIONS ABOUT CREDIT UNIONS

Why are credit union rates sometimes better than those from local and online banks?

The core difference between banks and credit unions is true regardless of size: Credit unions are nonprofits owned by the members, while banks are for-profit organizations. Credit unions can therefore sometimes pass along their profits in the form of lower rates (or better loan terms). Banks have some flexibility when competition forces it, but have to deliver an expected return on capital to their owners.

Is customer service better at credit unions that local banks or online banks?

Credit unions have long surpassed commercial banks for customer satisfaction. But as membership grows, their lead is shrinking, at least when compared with smaller banks. It’s also worth noting that in recent years, several online-only banks have earned high marks for their customer-friendly service options and their transparent discussions of fees and rates. You may enjoy the local interaction with a credit union, but unless you are also getting a competitive rate, you may find that you best bet is to also have an online bank where you keep most of you money.

Is there any difference between a share certificate offered by a credit union and a savings or money market account offered by a bank?

The difference is mainly one of terminology, as increasingly is the difference between savings and money market accounts. Be sure to understand how to access you account. Look for no fees so long as certain balances are maintained, easy liquidity and ability to transfer your money to your accounts at other institutions, including ACH transfers to online banks.

Do Credit Unions lack technology that banks have?

As technology becomes a larger part of our everyday lives, customers rely on the ability to bank online or through a mobile device, such as an iPhone. Although credit unions are making the effort to keep pace with new financial technologies, they are still trailing banks (especially the leading online banks) on this front. Several third party platforms for online banking and mobile banking are increasingly being adopted throughout the banking industry, and credit unions will likely begin to adopt these as well, which should narrow or remove the gap between them and banks.

Is my money any less safe?

As long as your credit union is NCUA insured and you stay within the NCUA limits, As long as your credit union is NCUA insured and you stay within the NCUA limits, your money is no less safe than it would be in an FDIC-insured bank.

Should I consider time deposits?

Time deposits are the credit union’s term for certificates of deposit, but, aside from slightly different terminology, are virtually the same product. Time deposits have less liquidity, but if you are unlikely to require access to your cash for some time, you may be able to significantly augment your rate of return and the growth of your capital. Since unforeseen circumstances do arise, it is important to understand the early withdrawal fees that may even eat into your principal, and early withdrawal is often entirely at the credit union’s discretion. BestCashCow compiles all rates of all credit unions near you. Access this information here. You should also familiarize yourself with our Savings Booster Calculator in order to understand the importance of compounding interest at higher rates on your savings over time.

5 POINT CHECKLIST OF THINGS THAT MAKE CREDIT UNIONS GREAT

Rates are often better than savings and CD rates at local banks. Borrowing rates are sometimes lower too.
Members are Owners of a nonprofit. When you open an account at a credit union, your account is actually a share and provides you voting rights. Since credit unions are run as non-profits, you aren’t going to get appreciation or dividends from your ownership. Instead, these institutions have the ultimate goal of providing their members better rates on loans and financial products. When a credit union makes a profit, it is used to provide better opportunities to the community that it serves.
Clerks work with you. Since credit unions are small and serve their owners, they try hard to keep them happy. Many credit unions have fans for life after a clerk stays late to complete loan documents, and giving pointers about avoiding fees.
Credit unions provide low-income and financially distressed individuals the chance to qualify for financing.
Credit unions often run special programs that enable people to save for the holidays (such as Christmas Clubs) or to help finance the cost of higher education and university.