Best Local Bank Savings and Money Market Rates in Mint Hill, North Carolina, NC June 15, 2025

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If you have your savings dollars in a big bank or a bank with low savings rates, then you are losing money. We've found FDIC insured banks that will pay you more. Take a few minutes to explore the options below and see how you can boost your savings by more than 6X the national average rate. There is competition for your money. Take advantage of it!

Mint Hill, NC - June 15, 2025

Savings Account National Average Rate: 0.45% ^?

Banks	APY	MIN
Live Oak Banking Company Live Oak Banking Company Branch	4.20%	$0	Learn More
Rate History: 4.00% → 4.15% → 4.40% → 4.30% → 4.20%
50Rc2 \| Dec 6, 2022 Customer service — unreliable, different CS person gets a different answer. LOB readily accepts your incoming funds, out going of funds the bank puts up a barrage of road blocks. A wire out, a letter FR... Read More Reviews (46)
Td Bank, National Association Hampstead, Nc Branch	3.70% 2.25%	$100,000 $50,000	Learn More
Rate History: 4.00% → 3.70%
Turonemckinney17@gmail.com \| May 19, 2018 Experience Read More Reviews (1)
Truist Bank Raeford Main Street Branch	3.66% 0.01%	$0 $1	Learn More
Rate History: 4.00% → 3.65% → 3.66%
Customer \| Jul 28, 2022 Not at all happy with Truist compared to BB+T. New transaction policy makes them painfully slow. Paying .01 % interest on money market accounts, 13 week T Bill's are around $2.5%.I hope that they are enj... Read More Reviews (6)
Regions Bank Eastover Branch	3.50% 1.50%	$10,000 $0	Learn More Add Review
Woodforest National Bank 0134 Shelby Wal-Mart Branch	3.25% 2.25% 1.75% 1.25% 0.35%	$500,000 $250,000 $100,000 $1 $0	Learn More
Rate History: 4.00% → 3.75% → 3.50% → 3.25%
Jabbroadway42 \| Nov 17, 2020 Is notarie services available today at a woodforest on wilkinson blvd Read More Reviews (2)
Atlantic Union Bank Elizabeth City Main Branch	3.04% 2.73%	$100,000 $0	Learn More
Rate History: 0.41% → 3.04%
tedd \| Jun 28, 2021 They bait and switch. Advertise cds at .40 but offer only .04 when in the office. Sharp business practice. Read More Reviews (2)
Capital One, National Association	2.50%	$1	Learn More
highstream \| Jan 2, 2024 Like others, I've been with Capital One and its predecessor ING Direct since 2007. I've also been getting cheap bank rates on my savings account and didn't realize that there was something better, although... Read More Reviews (16)
United Community Bank Four Oaks Bank & Trust Company Branc Branch	1.25% 1.00% 0.50%	$500,000 $100,000 $0	Learn More
raymond denmark \| Nov 5, 2018 1years Read More Reviews (1)
Wells Fargo Bank, National Association Wells Fargo Bank, National Association Branch	1.01% 0.01%	$100,000 $1	Learn More
Rate History: 1.01% → 1.02% → 1.01%
Thy King \| Feb 6, 2023 after over 100k in transactions through this bank in the course of a year not only did i suffer from fraud but this bank closed my accounts and i have been lliable for all the losses and to top it off with... Read More Reviews (7)
First Horizon Bank Downtown Asheboro Branch	1.00% 0.70%	$100,000 $50,000	Learn More
Rate History: 2.02% → 1.76% → 1.26% → 1.16% → 1.00%
D R Lineberger \| Dec 30, 2018 Garden14 Read More Reviews (1)
Benchmark Community Bank Wake Forest Lpo Branch	1.00% 0.40% 0.25%	$100,000 $25,000 $0	Learn More Add Review
Tarboro Savings Bank, Ssb Tarboro Savings Bank, Ssb Branch	0.75%	$2,500	Learn More Add Review
Atlantic Union Bank Elizabeth City Main Branch	0.65% 0.40% 0.25% 0.15%	$250,000 $100,000 $25,000 $0	Learn More
Rate History: 0.65% → 3.04% → 0.65% → 3.04% → 0.65%
tedd \| Jun 28, 2021 They bait and switch. Advertise cds at .40 but offer only .04 when in the office. Sharp business practice. Read More Reviews (2)
Tarboro Savings Bank, Ssb Tarboro Savings Bank, Ssb Branch	0.51%	$2,500	Learn More Add Review
Jackson Savings Bank, Ssb Jackson Savings Bank, Ssb Branch	0.40%	$2,500	Learn More Add Review
Woodforest National Bank 0134 Shelby Wal-Mart Branch	0.40% 0.25%	$10,000 $0	Learn More
Rate History: 1.00% → 0.50% → 0.40%
Jabbroadway42 \| Nov 17, 2020 Is notarie services available today at a woodforest on wilkinson blvd Read More Reviews (2)
Peoples Bank Peoples Bank Branch	0.33%	$25,000	Learn More Add Review
Jackson Savings Bank, Ssb Jackson Savings Bank, Ssb Branch	0.30%	$2,500	Learn More Add Review
Bank Of Tennessee Banner Elk Branch	0.30%	$25,000	Learn More Add Review
New Republic Savings Bank New Republic Savings Bank Branch	0.29%	$25,000	Learn More Add Review
Lifestore Bank Lifestore Bank Branch	0.25%	$20,000	Learn More Add Review
First Horizon Bank Downtown Asheboro Branch	0.25%	$2,500	Learn More
Rate History: 0.30% → 0.25%
D R Lineberger \| Dec 30, 2018 Garden14 Read More Reviews (1)
Blueharbor Bank Blueharbor Bank Branch	0.25%	$2,500	Learn More Add Review
Dogwood State Bank Sound Bank Branch	0.25%	$2,500	Learn More Add Review
New Republic Savings Bank New Republic Savings Bank Branch	0.24%	$2,500	Learn More Add Review
United Community Bank Four Oaks Bank & Trust Company Branc Branch	0.20%	$2,500	Learn More
raymond denmark \| Nov 5, 2018 1years Read More Reviews (1)
First National Bank In Frankfort	0.20%	$0	Learn More Add Review
Nantahala Bank & Trust Company Nantahala Bank & Trust Company Branch	0.20%	$25,000	Learn More Add Review
Carter Bank & Trust Highway 14 Branch	0.20%	$25,000	Learn More
Tom Brandy \| Aug 5, 2020 How Willian Investments Company Brought Happiness To My Home. Hello Everyone out there! My name is Tom Brandy, from USA, I am using this medium to announce to the general public on how Willian Investmen... Read More Reviews (1)
Bank Of Tennessee Banner Elk Branch	0.20%	$2,500	Learn More Add Review
First Federal Savings Bank Of Lincolnton First Federal Savings Bank Of Lincol Branch	0.20%	$25,000	Learn More Add Review
Belmont Savings Bank, Ssb Belmont Federal Savings And Loan Ass Branch	0.20%	$25,000	Learn More Add Review
Roxboro Savings Bank, Ssb Roxboro Savings Bank, Ssb Branch	0.20%	$25,000	Learn More Add Review
Skyline National Bank Sparta Branch	0.15%	$2,500	Learn More Add Review
First Federal Bank First Federal Bank Branch	0.15%	$25,000	Learn More Add Review
Lifestore Bank Lifestore Bank Branch	0.15%	$1	Learn More Add Review
Hometrust Bank Hometrust Bank Branch	0.15%	$10,000	Learn More Add Review
First Bank High Point Branch	0.15%	$25,000	Learn More Add Review
Piedmont Federal Savings Bank Piedmont Federal Savings Bank Branch	0.15%	$25,000	Learn More Add Review
Belmont Savings Bank, Ssb Belmont Federal Savings And Loan Ass Branch	0.15%	$10,000	Learn More Add Review
First Carolina Bank First Carolina Bank Branch	0.15%	$2,500	Learn More Add Review
Lumbee Guaranty Bank Lumbee Guaranty Bank Branch	0.15%	$2,500	Learn More Add Review
Roxboro Savings Bank, Ssb Roxboro Savings Bank, Ssb Branch	0.15%	$2,500	Learn More Add Review
Providence Bank Providence Bank Branch	0.12%	$25,000	Learn More Add Review
First-citizens Bank & Trust Company Sunbury Branch	0.10% 0.07%	$100,000 $25,000	Learn More
MrBond \| Feb 25, 2023 I have been working for this company more than 5 years. I would not recommend any investment with First Citizens Bank. They are the worst performer on the market based on the customer and employee reviews... Read More Reviews (3)
First Federal Bank First Federal Bank Branch	0.10%	$1	Learn More Add Review
Trupoint Bank Asheville Branch	0.10%	$1	Learn More Add Review
Atlantic Union Bank Elizabeth City Main Branch	0.10%	$0	Learn More
tedd \| Jun 28, 2021 They bait and switch. Advertise cds at .40 but offer only .04 when in the office. Sharp business practice. Read More Reviews (2)
Hometrust Bank Hometrust Bank Branch	0.10%	$2,500	Learn More Add Review
First Bank High Point Branch	0.10%	$2,500	Learn More Add Review
Nantahala Bank & Trust Company Nantahala Bank & Trust Company Branch	0.10%	$2,500	Learn More Add Review
Pinnacle Bank High Point Bank And Trust Company Br Branch	0.10%	$25,000	Learn More
jchitt@comcast.nrt \| Mar 5, 2019 Pinnacle has not had a 3% CD since Oct of 2018. Read More Reviews (3)
Taylorsville Savings Bank, Ssb Taylorsville Savings Bank, Ssb Branch	0.10%	$2,500	Learn More Add Review
Carter Bank & Trust Highway 14 Branch	0.10%	$2,500	Learn More
Tom Brandy \| Aug 5, 2020 How Willian Investments Company Brought Happiness To My Home. Hello Everyone out there! My name is Tom Brandy, from USA, I am using this medium to announce to the general public on how Willian Investmen... Read More Reviews (1)
Piedmont Federal Savings Bank Piedmont Federal Savings Bank Branch	0.10%	$2,500	Learn More Add Review
Peoples Bank Peoples Bank Branch	0.10%	$2,500	Learn More Add Review
Bank Of Tennessee Banner Elk Branch	0.10%	$2,500	Learn More Add Review
Morganton Savings Bank, S.s.b. Morganton Savings Bank, S.S.b. Branch	0.10%	$2,500	Learn More Add Review
First Federal Savings Bank Of Lincolnton First Federal Savings Bank Of Lincol Branch	0.10%	$2,500	Learn More Add Review
Belmont Savings Bank, Ssb Belmont Federal Savings And Loan Ass Branch	0.10%	$2,500	Learn More Add Review
First Carolina Bank First Carolina Bank Branch	0.10%	$10,000	Learn More Add Review
Farmers & Merchants Bank Farmers & Merchants Bank Branch	0.10%	$25,000	Learn More Add Review
Blueharbor Bank Blueharbor Bank Branch	0.10%	$10,000	Learn More Add Review
Fsnb, National Association Fsnb - Jacksonville Walmart Branch	0.10%	$2,500	Learn More Add Review
Lumbee Guaranty Bank Lumbee Guaranty Bank Branch	0.10%	$2,500	Learn More Add Review
North State Bank North State Bank Branch	0.10%	$10,000	Learn More Add Review
Dogwood State Bank Sound Bank Branch	0.10%	$2,500	Learn More Add Review
Benchmark Community Bank Wake Forest Lpo Branch	0.10%	$100	Learn More Add Review
Roxboro Savings Bank, Ssb Roxboro Savings Bank, Ssb Branch	0.10%	$2,500	Learn More Add Review
New Republic Savings Bank New Republic Savings Bank Branch	0.09%	$2,500	Learn More Add Review
Hometrust Bank Hometrust Bank Branch	0.08%	$2,500	Learn More Add Review
Ks Bank, Inc. Ks Bank, Inc. Branch	0.08%	$25,000	Learn More
jholmes50@nc.rr.com \| Aug 21, 2019 Dear Sirs: What do the initials KS stand for? A name? Or something else? Thank you, Jim Holmes Read More Reviews (1)
First Community Bank Mount Airy Branch	0.07%	$25,000	Learn More Add Review
Southern Bank And Trust Company Farmville Branch	0.07%	$25,000	Learn More Add Review
First Community Bank Mount Airy Branch	0.06%	$2,500	Learn More Add Review
Providence Bank Providence Bank Branch	0.06%	$10,000	Learn More Add Review
First Federal Bank First Federal Bank Branch	0.05%	$10,000	Learn More Add Review
Black Mountain Savings Bank, Ssb Black Mountain Savings Bank, Ssb Branch	0.05%	$2,500	Learn More Add Review
First Bank High Point Branch	0.05%	$2,500	Learn More Add Review
Pinnacle Bank High Point Bank And Trust Company Br Branch	0.05%	$2,500	Learn More
jchitt@comcast.nrt \| Mar 5, 2019 Pinnacle has not had a 3% CD since Oct of 2018. Read More Reviews (3)
First Community Bank Mount Airy Branch	0.05%	$10,000	Learn More Add Review
Morganton Savings Bank, S.s.b. Morganton Savings Bank, S.S.b. Branch	0.05%	$2,500	Learn More Add Review
The Fidelity Bank Biscoe Branch	0.05%	$25,000	Learn More Add Review
Farmers & Merchants Bank Farmers & Merchants Bank Branch	0.05%	$2,500	Learn More Add Review
Southern Bank And Trust Company Farmville Branch	0.05%	$25,000	Learn More Add Review
North State Bank North State Bank Branch	0.05%	$2,500	Learn More Add Review
Ks Bank, Inc. Ks Bank, Inc. Branch	0.05%	$2,500	Learn More
jholmes50@nc.rr.com \| Aug 21, 2019 Dear Sirs: What do the initials KS stand for? A name? Or something else? Thank you, Jim Holmes Read More Reviews (1)
Southern First Bank Raleigh Branch	0.05%	$0	Learn More
Dillon \| Jan 12, 2020 My wife is changing from Southern First because of the trouble she has getting her Zelle transfers. Zelle has been contacted and the Bank. Yet the Bank won't own up for lack of responsibility. Just blames ... Read More Reviews (2)
Providence Bank Providence Bank Branch	0.05%	$2,500	Learn More Add Review
Bank Ozk Shelby Main Branch	0.05%	$0	Learn More
HB \| Sep 12, 2023 Can not cash a check at the branch on Chenal, because I did not have an appointment for the lobby. Could not use the Window service, it closes at 2pm on a Friday. I have a business account and am finding... Read More Reviews (11)
Ks Bank, Inc. Ks Bank, Inc. Branch	0.04%	$10,000	Learn More
jholmes50@nc.rr.com \| Aug 21, 2019 Dear Sirs: What do the initials KS stand for? A name? Or something else? Thank you, Jim Holmes Read More Reviews (1)
Providence Bank Providence Bank Branch	0.04%	$2,500	Learn More Add Review
Bank Of America, National Association Bank Of America, National Association Branch	0.04%	$2,500	Learn More
Treasure \| Jul 24, 2023 BOFA is a den of people thieves camouflaged as bank operatives. There’s a soon to be uncovered carrel of money laundry there. They took all my money and don’t want to release it to me for no particular... Read More Reviews (11)
First Federal Bank First Federal Bank Branch	0.03%	$200	Learn More Add Review
Pinnacle Bank High Point Bank And Trust Company Br Branch	0.03%	$2,500	Learn More
jchitt@comcast.nrt \| Mar 5, 2019 Pinnacle has not had a 3% CD since Oct of 2018. Read More Reviews (3)
First Community Bank Mount Airy Branch	0.03%	$2,500	Learn More Add Review
Mechanics & Farmers Bank Mechanics & Farmers Bank Branch	0.03%	$25,000	Learn More Add Review
Towne Bank Moyock Branch	0.03%	$25,000	Learn More Add Review
Pnc Bank, National Association Rocky Mount Main Branch	0.02%	$50,000	Learn More
Rate History: 1.00% → 0.05% → 0.02%
GAM \| May 18, 2019 Had checking and savings for years when living in Philly. Went into PNC 2.35 APY high yield savings. They have thus far maintained rate. Easy web site and great customer phone service. Still maintain check... Read More Reviews (1)
The Fidelity Bank Biscoe Branch	0.02%	$2,500	Learn More Add Review
Mechanics & Farmers Bank Mechanics & Farmers Bank Branch	0.02%	$10,000	Learn More Add Review
Southern Bank And Trust Company Farmville Branch	0.02%	$2,500	Learn More Add Review
Ks Bank, Inc. Ks Bank, Inc. Branch	0.02%	$2,500	Learn More
jholmes50@nc.rr.com \| Aug 21, 2019 Dear Sirs: What do the initials KS stand for? A name? Or something else? Thank you, Jim Holmes Read More Reviews (1)
Towne Bank Moyock Branch	0.02%	$2,500	Learn More Add Review
First Carolina Bank First Carolina Bank Branch	0.02%	$2,500	Learn More Add Review
Pnc Bank, National Association Rocky Mount Main Branch	0.01%	$2,500	Learn More
Rate History: 0.03% → 0.01%
GAM \| May 18, 2019 Had checking and savings for years when living in Philly. Went into PNC 2.35 APY high yield savings. They have thus far maintained rate. Easy web site and great customer phone service. Still maintain check... Read More Reviews (1)
Regions Bank Eastover Branch	0.01%	$0	Learn More Add Review
Fifth Third Bank, National Association Landis Branch	0.01%	$500	Learn More
Juan Ricardo \| Nov 12, 2018 Helpful w/$ Read More Reviews (5)
First National Bank Of Pennsylvania Engelhard Branch	0.01%	$2,500	Learn More
Mark \| Apr 21, 2020 Your information is very inaccurate. Interest rates are a fraction of 1%. Call the bank yourself. Read More Reviews (1)
Mechanics & Farmers Bank Mechanics & Farmers Bank Branch	0.01%	$2,500	Learn More Add Review
Southern Bank And Trust Company Farmville Branch	0.01%	$2,500	Learn More Add Review
Towne Bank Moyock Branch	0.01%	$2,500	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.

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Branches Info around Mint Hill, NC - June 15, 2025

Branch	Street	City	State
Live Oak Banking Company Live Oak Banking Company Branch	1757 Tiburon Drive	Wilmington	NC
TD Bank, National Association Hampstead, Nc Branch	15280 Us Highway 17 North	Hampstead	NC
Truist Bank Raeford Main Street Branch	207 South Main Street	Raeford	NC
Regions Bank Eastover Branch	1045 Providence Road	Charlotte	NC
Woodforest National Bank 0134 Shelby Wal-Mart Branch	705 East Dixon Blvd.	Shelby	NC
Atlantic Union Bank Elizabeth City Main Branch	1145 North Road Street	Elizabeth City	NC
Atlantic Union Bank Elizabeth City Main Branch	1145 North Road Street	Elizabeth City	NC
Woodforest National Bank 0134 Shelby Wal-Mart Branch	705 East Dixon Blvd.	Shelby	NC
TD Bank, National Association Hampstead, Nc Branch	15280 Us Highway 17 North	Hampstead	NC
Woodforest National Bank 0134 Shelby Wal-Mart Branch	705 East Dixon Blvd.	Shelby	NC
Regions Bank Eastover Branch	1045 Providence Road	Charlotte	NC
Woodforest National Bank 0134 Shelby Wal-Mart Branch	705 East Dixon Blvd.	Shelby	NC
United Community Bank Four Oaks Bank & Trust Company Branc Branch	6144 Us Highway 301 South	Four Oaks	NC
Wells Fargo Bank, National Association Wells Fargo Bank, National Association Branch	62 South Main Street	Marshall	NC
First Horizon Bank Downtown Asheboro Branch	101 Sunset Avenue	Asheboro	NC
United Community Bank Four Oaks Bank & Trust Company Branc Branch	6144 Us Highway 301 South	Four Oaks	NC
Benchmark Community Bank Wake Forest Lpo Branch	12335 Wake Union Church Road	Wake Forest	NC
Tarboro Savings Bank, SSB Tarboro Savings Bank, Ssb Branch	501 Main Street	Tarboro	NC
First Horizon Bank Downtown Asheboro Branch	101 Sunset Avenue	Asheboro	NC
Atlantic Union Bank Elizabeth City Main Branch	1145 North Road Street	Elizabeth City	NC
Tarboro Savings Bank, SSB Tarboro Savings Bank, Ssb Branch	501 Main Street	Tarboro	NC
United Community Bank Four Oaks Bank & Trust Company Branc Branch	6144 Us Highway 301 South	Four Oaks	NC
Atlantic Union Bank Elizabeth City Main Branch	1145 North Road Street	Elizabeth City	NC
Jackson Savings Bank, SSB Jackson Savings Bank, Ssb Branch	741 West Main Street	Sylva	NC
Benchmark Community Bank Wake Forest Lpo Branch	12335 Wake Union Church Road	Wake Forest	NC
Woodforest National Bank 0134 Shelby Wal-Mart Branch	705 East Dixon Blvd.	Shelby	NC
Woodforest National Bank 0134 Shelby Wal-Mart Branch	705 East Dixon Blvd.	Shelby	NC
Peoples Bank Peoples Bank Branch	518 West C Street	Newton	NC
Jackson Savings Bank, SSB Jackson Savings Bank, Ssb Branch	741 West Main Street	Sylva	NC
Bank of Tennessee Banner Elk Branch	3828 Highway 105	Banner Elk	NC
New Republic Bank New Republic Savings Bank Branch	420 Becker Drive	Roanoke Rapids	NC
Woodforest National Bank 0134 Shelby Wal-Mart Branch	705 East Dixon Blvd.	Shelby	NC
LifeStore Bank Lifestore Bank Branch	205 South Jefferson Avenue	West Jefferson	NC
First Horizon Bank Downtown Asheboro Branch	101 Sunset Avenue	Asheboro	NC
Atlantic Union Bank Elizabeth City Main Branch	1145 North Road Street	Elizabeth City	NC
BlueHarbor Bank Blueharbor Bank Branch	106 Corporate Park Drive	Mooresville	NC
Dogwood State Bank Sound Bank Branch	5039 Executive Drive	Morehead City	NC
Benchmark Community Bank Wake Forest Lpo Branch	12335 Wake Union Church Road	Wake Forest	NC
New Republic Bank New Republic Savings Bank Branch	420 Becker Drive	Roanoke Rapids	NC
United Community Bank Four Oaks Bank & Trust Company Branc Branch	6144 Us Highway 301 South	Four Oaks	NC
Nantahala Bank & Trust Company Nantahala Bank & Trust Company Branch	120 Siler Road	Franklin	NC
Carter Bank & Trust Highway 14 Branch	630 Fagg Drive	Eden	NC
Bank of Tennessee Banner Elk Branch	3828 Highway 105	Banner Elk	NC
First Federal Savings Bank of Lincolnton First Federal Savings Bank Of Lincol Branch	320 E Main St	Lincolnton	NC
Belmont Savings Bank, SSB Belmont Federal Savings And Loan Ass Branch	210 Park Street	Belmont	NC
Roxboro Savings Bank, SSB Roxboro Savings Bank, Ssb Branch	313 South Main Street	Roxboro	NC
SKYLINE NATIONAL BANK Sparta Branch	98 S Grayson St	Sparta	NC
First Federal Bank First Federal Bank Branch	200 E Divine St	Dunn	NC
LifeStore Bank Lifestore Bank Branch	205 South Jefferson Avenue	West Jefferson	NC
HomeTrust Bank Hometrust Bank Branch	10 Woodfin Street	Asheville	NC
First Bank High Point Branch	1200 North Main Street	High Point	NC
Piedmont Federal Savings Bank Piedmont Federal Savings Bank Branch	201 South Stratford Road	Winston Salem	NC
Belmont Savings Bank, SSB Belmont Federal Savings And Loan Ass Branch	210 Park Street	Belmont	NC
Atlantic Union Bank Elizabeth City Main Branch	1145 North Road Street	Elizabeth City	NC
First Carolina Bank First Carolina Bank Branch	171 North Winstead Avenue	Rocky Mount	NC
Lumbee Guaranty Bank Lumbee Guaranty Bank Branch	403 East Third Street	Pembroke	NC
Roxboro Savings Bank, SSB Roxboro Savings Bank, Ssb Branch	313 South Main Street	Roxboro	NC
Providence Bank Providence Bank Branch	450 N Winstead Ave	Rocky Mount	NC
First-Citizens Bank & Trust Company Sunbury Branch	20 North Carolina Highway 32 North	Sunbury	NC
First Federal Bank First Federal Bank Branch	200 E Divine St	Dunn	NC
TruPoint Bank Asheville Branch	116 Executive Park	Asheville	NC
Atlantic Union Bank Elizabeth City Main Branch	1145 North Road Street	Elizabeth City	NC
HomeTrust Bank Hometrust Bank Branch	10 Woodfin Street	Asheville	NC
First Bank High Point Branch	1200 North Main Street	High Point	NC
Nantahala Bank & Trust Company Nantahala Bank & Trust Company Branch	120 Siler Road	Franklin	NC
Pinnacle Bank High Point Bank And Trust Company Br Branch	300 North Main Street	High Point	NC
Taylorsville Savings Bank, SSB Taylorsville Savings Bank, Ssb Branch	107 Main Avenue Dr	Taylorsville	NC
Carter Bank & Trust Highway 14 Branch	630 Fagg Drive	Eden	NC
Piedmont Federal Savings Bank Piedmont Federal Savings Bank Branch	201 South Stratford Road	Winston Salem	NC
Peoples Bank Peoples Bank Branch	518 West C Street	Newton	NC
Bank of Tennessee Banner Elk Branch	3828 Highway 105	Banner Elk	NC
Morganton Savings Bank, S.S.B. Morganton Savings Bank, S.S.b. Branch	100 South King Street	Morganton	NC
First Federal Savings Bank of Lincolnton First Federal Savings Bank Of Lincol Branch	320 E Main St	Lincolnton	NC
Belmont Savings Bank, SSB Belmont Federal Savings And Loan Ass Branch	210 Park Street	Belmont	NC
First Carolina Bank First Carolina Bank Branch	171 North Winstead Avenue	Rocky Mount	NC
Farmers & Merchants Bank Farmers & Merchants Bank Branch	138 North Salisbury Avenue	Granite Quarry	NC
BlueHarbor Bank Blueharbor Bank Branch	106 Corporate Park Drive	Mooresville	NC
FSNB, National Association Fsnb - Jacksonville Walmart Branch	2025 N. Marine Blvd	Jacksonville	NC
Lumbee Guaranty Bank Lumbee Guaranty Bank Branch	403 East Third Street	Pembroke	NC
North State Bank North State Bank Branch	6204 Falls Of The Neuse Road	Raleigh	NC
Dogwood State Bank Sound Bank Branch	5039 Executive Drive	Morehead City	NC
Benchmark Community Bank Wake Forest Lpo Branch	12335 Wake Union Church Road	Wake Forest	NC
Roxboro Savings Bank, SSB Roxboro Savings Bank, Ssb Branch	313 South Main Street	Roxboro	NC
New Republic Bank New Republic Savings Bank Branch	420 Becker Drive	Roanoke Rapids	NC
HomeTrust Bank Hometrust Bank Branch	10 Woodfin Street	Asheville	NC
KS Bank, Inc. Ks Bank, Inc. Branch	1031 Brightleaf Boulevard	Smithfield	NC
First-Citizens Bank & Trust Company Sunbury Branch	20 North Carolina Highway 32 North	Sunbury	NC
First Community Bank Mount Airy Branch	704 Independence Boulevard	Mount Airy	NC
Southern Bank and Trust Company Farmville Branch	4217 East Church Street	Farmville	NC
First Community Bank Mount Airy Branch	704 Independence Boulevard	Mount Airy	NC
Providence Bank Providence Bank Branch	450 N Winstead Ave	Rocky Mount	NC
First Federal Bank First Federal Bank Branch	200 E Divine St	Dunn	NC
Black Mountain Savings Bank, SSB Black Mountain Savings Bank, Ssb Branch	200 E State Street	Black Mountain	NC
First Bank High Point Branch	1200 North Main Street	High Point	NC
Pinnacle Bank High Point Bank And Trust Company Br Branch	300 North Main Street	High Point	NC
First Community Bank Mount Airy Branch	704 Independence Boulevard	Mount Airy	NC
Morganton Savings Bank, S.S.B. Morganton Savings Bank, S.S.b. Branch	100 South King Street	Morganton	NC
The Fidelity Bank Biscoe Branch	520 N. Main Street	Biscoe	NC
Farmers & Merchants Bank Farmers & Merchants Bank Branch	138 North Salisbury Avenue	Granite Quarry	NC
Southern Bank and Trust Company Farmville Branch	4217 East Church Street	Farmville	NC
North State Bank North State Bank Branch	6204 Falls Of The Neuse Road	Raleigh	NC
KS Bank, Inc. Ks Bank, Inc. Branch	1031 Brightleaf Boulevard	Smithfield	NC
Southern First Bank Raleigh Branch	5444 Wade Park Boulevard	Raleigh	NC
Providence Bank Providence Bank Branch	450 N Winstead Ave	Rocky Mount	NC
Bank OZK Shelby Main Branch	106 South Lafayette Street	Shelby	NC
KS Bank, Inc. Ks Bank, Inc. Branch	1031 Brightleaf Boulevard	Smithfield	NC
Providence Bank Providence Bank Branch	450 N Winstead Ave	Rocky Mount	NC
Bank of America, National Association Bank Of America, National Association Branch	100 North Tryon St	Charlotte	NC
First Federal Bank First Federal Bank Branch	200 E Divine St	Dunn	NC
Pinnacle Bank High Point Bank And Trust Company Br Branch	300 North Main Street	High Point	NC
First Community Bank Mount Airy Branch	704 Independence Boulevard	Mount Airy	NC
Mechanics & Farmers Bank Mechanics & Farmers Bank Branch	116 West Parrish Street	Durham	NC
TowneBank Moyock Branch	250 Caratoke Highway	Moyock	NC
PNC Bank, National Association Rocky Mount Main Branch	131 North Church Street	Rocky Mount	NC
The Fidelity Bank Biscoe Branch	520 N. Main Street	Biscoe	NC
Mechanics & Farmers Bank Mechanics & Farmers Bank Branch	116 West Parrish Street	Durham	NC
Southern Bank and Trust Company Farmville Branch	4217 East Church Street	Farmville	NC
KS Bank, Inc. Ks Bank, Inc. Branch	1031 Brightleaf Boulevard	Smithfield	NC
TowneBank Moyock Branch	250 Caratoke Highway	Moyock	NC
First Carolina Bank First Carolina Bank Branch	171 North Winstead Avenue	Rocky Mount	NC
Wells Fargo Bank, National Association Wells Fargo Bank, National Association Branch	62 South Main Street	Marshall	NC
PNC Bank, National Association Rocky Mount Main Branch	131 North Church Street	Rocky Mount	NC
Regions Bank Eastover Branch	1045 Providence Road	Charlotte	NC
Fifth Third Bank, National Association Landis Branch	139 South Central Avenue	Landis	NC
Truist Bank Raeford Main Street Branch	207 South Main Street	Raeford	NC
First National Bank of Pennsylvania Engelhard Branch	35050 Us 264	Engelhard	NC
Mechanics & Farmers Bank Mechanics & Farmers Bank Branch	116 West Parrish Street	Durham	NC
Southern Bank and Trust Company Farmville Branch	4217 East Church Street	Farmville	NC
TowneBank Moyock Branch	250 Caratoke Highway	Moyock	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 LOCAL SAVINGS RATES

Why do savings rates vary so much?

Even though rates are at levels that are historically very low, there is competition for your money. Like any active marketplace, there are buyers and sellers of goods and services at different prices. Banks have different cost structures and they also have different needs for capital. This leads to different rates.

BestCashCow’s surveys show that online banks offer higher savings and CD rates because they have lower expenses from not having to maintain brick-and-mortar locations. Therefore, we strongly recommend that all depositors consider the rates at online banks as savings and money market accounts online can easy be set up to enable quick transfers to your favorite local bank.

What is the difference between a savings account and a money market account?

The differences between a savings account and a money market account are largely arcane. Some money market accounts offer more ways access deposits by issuing checks and debit cards, but prudent consumers will compare the two interchangeably, focusing primarily on rates and service among FDIC-insured banks (or NCUA-insured, for credit unions). Most savvy consumers who plan their expenses and financial needs ahead find the additional functionality offered by money markets to be of little value and will choose whichever account (savings or money market) has the higher rate.

What does annual percentage yield (APY) mean?

Savings rates are displayed in terms of APY to indicate the effective annual-interest return, including the compounding of interest, of the course of a single year. $100,000 deposited in a savings or CD account with a 1.20% APY will earn $1,200 in the course of the year, but monthly interest in the first few months may be less than $100 a month (this also depends on the number of days in the month). Hence, the APY rate is ordinarily a couple of basis points above the real interest rates. Unlike with a Certificate of Deposit, your actual APY in a savings may vary if the rate changes.

How do I choose the right savings account and should I consider CDs?

Begin your search with the table here on BestCashCow.com that you have found. In addition to checking online savings rates, you should also check local bank rates and local credit union rates. If you are unlikely to require access to your cash for some time, you may also consider certificates of deposit (CDs). While CDs have penalties for early withdrawal that may even eat into your principal, the rates on 2, 3, 4 and 5 year CDs are ordinarily significantly higher than savings rates. Several other sections and articles on BestCashCow can also help you to identify your proper cash allocation between savings and CDs. Access these below. You should also familiarize yourself with our Savings & CD Calculator in order to understand the importance of compounding interest at higher rates on your savings over time.

8 POINT CHECKLIST FOR A GREAT BANKING RELATIONSHIP WITH YOUR LOCAL BANK

Find a bank with a location convenient to you. Location counts.
Choose a bank with good rates. Rates are important to get continued growth of your capital.
Choose a bank with an extensive network of fee-free ATM machines or which reimburses out-of-network ATM fees, if you still need to regularly access cash.
Avoid fees. Choose a bank which doesn’t have service fees provided you maintain a certain balance, which doesn’t charge for ACH inbound and outbound transfers, and which has low fees for things like international wire transfers and bounced checks.
Choose a healthy bank. If you click on a bank above, you’ll be taken to the bank’s financial detail. A healthy bank has happy employees and provides loyal service to its customers. No matter how healthy your bank is, stay within FDIC insurance limits.
Find something of value to offset what may be slightly lower rates than online accounts offer. Develop personal relationship with your bankers. Personal relationships can help you to get appropriate financial advice, and to navigate financial challenges and needs in the future. (Be careful with the financial advice you receive. Inappropriate financial advice is worth a lot less than no financial advice.) They can also put you in touch with others in your community who could be valuable personally and professionally to know. If you don't use your local savings account as an opportunity to build these relationships, you may find that you are better of banking online.
Choose a bank that is going to let you access your cash when you need. The great benefit of savings accounts over any other financial product (including CDs) is that you have absolute liquidity. If your bank in creating impediments to accessing your cash (paperwork, fees, etc.), then you need another bank.
Be aware that you can have more than one account. Having a great local savings account at a large or small bank near you can be great, but it doesn't need to stop you from opening one or more online savings accounts, or even developing a relationship with another local bank or credit union.