Best Local Bank Savings and Money Market Rates in North Carolina, NC August 1, 2025

You are viewing savings rates from banks across North Carolina

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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!

NC - August 1, 2025

Savings Account National Average Rate: 0.45% ^?

Banks	APY	MIN
Axos Bank	4.66%	$0	Learn More
Last change: ↑ 4.05% on April 28.
wertlkgt \| Mar 28, 2022 Vaporware. Was approved to open an account. I logged in on several different browsers with differing rendering codes--each time got nothing but 3 circles running left to right for up to a half hour when I ... Read More Reviews (9)
Neighbors Bank	4.60%	$25,000	Learn More
Online Savings Account. Account is indicated as not currently available to new customers, but bank accepts new customers who sign up to be notified after 1-2 weeks. Last change: ↓0.15% on March 12. Rate History: 5.15% → 5.00% → 4.85% → 4.75% → 4.60%
redstate jeff \| Oct 29, 2024 Agree with the prior review even though it is 10 years old. It is shady and it doesn't show up on other sites. However, they did pay me 5.30% and although it is recently lowered to 5.15% it is still the b... Read More Reviews (2)
PiBank, a division of Intercredit Bank, NA	4.60%	$0	Learn More
Last change: ↓ 0.15% on February 3.
Teresa McGee \| Jan 22, 2025 It wasn't all smooth. I needed to call, long wait times. In the end, I felt like the beta customer which isn't how you want to feel with a bank. Read More Reviews (1)
FitnessBank, a division of Affinity Bank	4.55%	$100	Learn More
Rate requires download of bank app and recording of over 12,500 average daily steps (or 10,000 if over age of 65). Last change: ↓0.20% on February 3. Rate History: 4.75% → 5.00% → 4.90% → 4.75% → 4.55%
JGothelf \| Oct 11, 2022 Glad to have found this one and thanks to bestcashcow for not hiding the best rates like bankrate does Read More Reviews (26)
Climate First Bank	4.46%	$50,000	Learn More
New money only. Requires Direct Deposit. Account carries a $15 monthly service charge. Rate History: 5.34% → 4.72% → 4.46%
tjgarnett \| Mar 2, 2024 Attracted to the name, but the service had too many steps so I didn't open an account. Read More Reviews (1)
Peak Bank	4.44%	$100	Learn More
Last change: ↓ 0.10% on May 3.
Rate History: 4.75% → 4.35% → 4.54% → 4.44%
Gary Smith \| Jan 28, 2025 4.75% is an introductory rate and they are not openly clear about that. Don't expect 4.75% to continue. They are otherwise competitive. Read More Reviews (1)
TotalDirect, a division of City National Bank of Florida	4.41%	$2,500	Learn More
Direct Money Market Account. Rate History: 4.86% → 4.67% → 4.51% → 4.47% → 4.41%
79Thru \| Mar 21, 2023 Parent seems to be owned by a large Chilean bank. Not saying this is good or bad, but it is complication, especially in the current environment. Read More Reviews (9)
Citibank, National Association	4.35% 0.20%	$0 $1	Learn More
Promotional rate for 3 months up to $11,000. Requires $25,000 in new deposits within 10 days of registration. After 3 month promotional period, rate reverts to between 0.03% and 0.12%. Rate History: 5.00% → 4.75% → 5.00% → 4.50% → 4.35%
Azoic \| Feb 25, 2022 I joined Citi with a Costco-VISA card. An Accelerate followed, and then a checking account. Costco-VISA is necessary for using a credit card at Costco, otherwise cash is necessary. Accelerate Savings w... Read More Reviews (22)
Brilliant Bank, a division of Equity Bank	4.35%	$2,000	Learn More
Surge Money Market. Bank reports that this rate is available for new accounts only. External transfers are limited to $5,000/day and are not free. Rate History: 4.85% → 4.70% → 4.50% → 4.40% → 4.35%
Jason T \| May 30, 2023 They really do pay this amount, but the account lacks any functionality and they are constantly looking for some sort of add-on fee to enable them to claw back the interest. Any bank with a higher rate an... Read More Reviews (6)
CFG Bank	4.32%	$1,000	Learn More
High Yield Money Market. External transfers are limited to $30,000 per week. Rate History: 4.80% → 4.65% → 4.52% → 4.37% → 4.32%
TJK \| Sep 30, 2023 CFG overs very competitive Interest rates on their High Yield Savings account. I did everything ONLINE and have not had any issues with their service. Read More Reviews (51)
Vio Bank, A Division of MidFirst Bank	4.31%	$100	Learn More
Cornerstone Money Market Account. Bank reports that this account is available to new customers only. Old account holders in the savings product are earning 1.10%. Rate History: 4.56% → 4.46% → 4.41% → 4.36% → 4.31%
Jim S \| Dec 21, 2023 Very easy to setup 6 month 5.35% CD from cornerstone account Read More Reviews (38)
TIAA Bank / Everbank	4.30%	$0	Learn More
Performance Savings Last change: ↓0.10% on January 18. Rate History: 5.15% → 5.05% → 4.75% → 4.40% → 4.30%
smithy1968 \| Mar 20, 2025 A non-customer-friendly organization that just switches between two contaminated brands trying to bring back some sort of goodwill that it had before it started selling fake foreign currency CDs in 2006 an... Read More Reviews (40)
Citi Accelerate	4.30%	$0	Learn More
Last change: ↓ 0.05% on August 7, 2024.
Rate History: 4.35% → 4.30%
Michelle \| Jun 30, 2020 I can easily imagine the pain and the trouble Karen went through. I tried and open accounts, too, but when I asked questions on the phone, the customer service person was not very knowledgeable, kind, or p... Read More Reviews (3)
Rising Bank, a division of Midwest BankCentre	4.30%	$1,000	Learn More
External outbound transfers are limited to $25,000 per day. Last change: ↓0.10% on April 18. Rate History: 5.00% → 4.90% → 4.50% → 4.40% → 4.30%
Az1 \| Aug 26, 2022 Too slow to raise rates. Read More Reviews (8)
Bread Savings, a division of Bread Financial	4.25%	$100	Learn More
High-Yield Savings Account. Outbound transfers limited to $10,000/day or less. Last change: ↓0.05% on July 13. Rate History: 4.50% → 4.40% → 4.35% → 4.30% → 4.25%
m abram \| Jul 4, 2025 Bread's current 6-month CD is 4.45%, not 4.35%. Read More Reviews (41)
First Foundation Bank	4.25%	$1,000	Learn More
Online Savings Account Last change: ↓0.15% on May 24. Rate History: 4.90% → 4.75% → 4.50% → 4.40% → 4.25%
james \| Nov 18, 2023 bank delayed 1-2days to credit into your account, pay less interest. Read More Reviews (32)
Quontic Bank	4.25%	$100	Learn More
Quontic Money Market Account. Rate History: 4.00% → 4.75% → 4.50% → 4.25% → 4.25%
JuanVelasco \| Mar 17, 2023 STAY AWAY ! They closed my accounts with no warning. After multiple successful direct deposits and mobile checks deposits, they claimed one of the three checks I deposited a few days ago was fake. No... Read More Reviews (15)
Banesco USA	4.25%	$300	Learn More
Rate History: 4.50% → 4.40% → 4.25% → 4.00% → 4.25%
Dkplan \| Dec 27, 2022 They gave a hard time with their cashier's check. They returned my deposited check that was emitted by them. Could you believe? Read More Reviews (8)
Ivy Bank, a division of Cambridge Savings Bank	4.25%	$2,500	Learn More
Online Savings Account. Last change: ↓0.35% on December 18, 2024. Rate History: 5.00% → 5.30% → 5.00% → 4.60% → 4.25%
lrcbob \| Jul 26, 2024 Multiple roadblocks trying to set up a savings account with Ivy Bank and my application was ultimately declined, in spite of my multiple CDs among three banks, stock investments, eleven credit cards, and c... Read More Reviews (25)
Forbright Bank	4.25%	$0	Learn More
Growth Savings Last change: ↓0.35% on January 8. Rate History: 5.15% → 5.30% → 5.00% → 4.60% → 4.25%
lrcbob \| Jul 26, 2024 Multiple roadblocks trying to set up a savings account with Forbright and my application was ultimately declined, in spite of my multiple CDs among three banks, stock investments, eleven credit cards, and ... Read More Reviews (2)
Colorado Federal Savings Bank	4.25% 4.20%	$50,000 $1	Learn More
Last change: ↓ 0.20% on February 17.
Rate History: 4.45% → 4.45% → 4.25%
jp2 \| Jul 1, 2022 not really an onllne bank. compare this interface that gives you no information with that of any other bank (I cannot even confirm the rate). cannot switch in and out of cds or np cds. just not an online b... Read More Reviews (16)
Merchants Bank of Indiana	4.25%	$50	Learn More
Money Market Account. Bank does not offer ACH processing; customers need to initiate ACH externally. Rate History: 5.00% → 4.75% → 4.50% → 4.25%
65JimmyJay \| Dec 12, 2022 Developed buyers remorse after they stopped raising the rate and switched to Brilliant. Read More Reviews (5)
Customers Bank	4.23%	$25,000	Learn More
Requires checking account. Rate History: 5.14% → 5.24% → 4.73% → 4.48% → 4.23%
James A. Elder \| Mar 25, 2020 I was told on the phone by a bank rep that my present money market acct interest rate would continue at 2.25% until June 30, 2020 and would be FDIC covered up to $250,000. Please verify if this is true???... Read More Reviews (3)
LendingClub Bank, National Association	4.20%	$0	Learn More
LevelUp Savings Account. Requires direct deposit of at least $250/month. Bank's standard online savings rate is 3.40% APY. Last change: ↓0.20% on July 15. Rate History: 5.00% → 4.75% → 4.50% → 4.40% → 4.20%
overdrawn \| Nov 12, 2022 I was shopping for deposit rates in August, and NerdWallet, a site I had previously trusted, had it on their list. I was unaware they took deposits. They are the only bank that ever duplicated a transactio... Read More Reviews (21)
Bask Bank, a division of Texas Capital Bank	4.20%	$0	Learn More
Last change: ↓ 0.15% on April 18.
Rate History: 4.65% → 4.65% → 4.50% → 4.35% → 4.20%
smithy1968 \| Apr 20, 2024 Save your tears for another day. Very frustrating. 1-star. Read More Reviews (19)
Jenius Bank, a division of Sumitomo Mitsui Bank	4.20%	$0	Learn More
Last change: ↓ 0.30% on March 12.
Rate History: 5.25% → 5.05% → 4.80% → 4.50% → 4.20%
lrcbob \| Jul 26, 2024 Multiple roadblocks trying to set up a savings account with Jenius Bank and my application was ultimately declined, in spite of my multiple CDs among three banks, stock investments, eleven credit cards, an... Read More Reviews (2)
Primis Bank	4.20%	$1	Learn More
Online Savings Account. Last change: ↓0.15% on July 21. Rate History: 4.75% → 4.70% → 4.35% → 4.20%
American Banker \| Apr 7, 2023 Good luck deploying those high yield savings into profitable investments. It’s always a bad strategy … unbridled growth using volatile deposits forcing them to go out on the risk spectrum to make a dec... Read More Reviews (12)
Transportation Alliance Bank, Inc. d/b/a TAB Bank	4.15%	$1	Learn More
High Yield Savings Account. Last change: ↓0.11% on July 15. Rate History: 5.02% → 4.52% → 4.37% → 4.26% → 4.15%
Yat 1965 \| Mar 19, 2022 Problem with ties to puppy mills. I closed a cct. https://www.americanbanker.com/news/tab-bank-dragged-into-seedy-world-of-puppy-mill-loans-by-fintech-partner Read More Reviews (8)
M.Y. SAFRA BANK, FSB	4.15% 2.00%	$5,000 $5,000	Learn More
Rate History: 4.00% → 2.51% → 5.25% → 5.00%
Richard \| Jul 1, 2022 Very easy opening process and wonderful staff. Read More Reviews (6)
Live Oak Banking Company Live Oak Banking Company Branch	4.10%	$0	Learn More
Rate History: 4.15% → 4.40% → 4.30% → 4.20% → 4.10%
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)
North American Savings Bank	4.10%	$10,000	Learn More
Rate History: 4.90% → 4.75% → 4.55% → 4.20% → 4.10%
A Terkowitz \| Feb 15, 2024 I have always had great experiences with short-term CDs from this bank. No delays. Read More Reviews (3)
ConnectOne Bank	4.10% 4.00%	$250,000 $2,500	Learn More
Last change: ↓ 0.30% on December 9, 2024.
Rate History: 4.50% → 4.00% → 3.45% → 4.40% → 4.10%
praveen raj \| Jan 18, 2024 Hi, We've noticed your website is at risk due to spammy comments and contact form submissions, making it susceptible to issues like spammy backlinks and data breaches. Don't worry—there's a simple sol... Read More Reviews (19)
Popular Direct	4.05%	$100	Learn More
Direct Savings. Bank reports that this rate is available for new accounts only. Last change: ↓0.05% on April 4. Rate History: 4.40% → 4.30% → 4.20% → 4.10% → 4.05%
Neil \| Dec 18, 2023 I submitted a CD application 18 months 5.50 APY over a week ago and my application was declined no reason was given, I have the funds in another bank for transfer, credit score over 800. I think the reason... Read More Reviews (30)
Prime Alliance Bank	4.05%	$0	Learn More
Personal Savings Account. Last change: ↓0.10% on June 24. Rate History: 4.50% → 4.15% → 4.05%
JBaker65 \| May 6, 2023 Fully functional bank account that would be great for my needs, but the quarterly interest payment thing is a real nuisance. I wish they would change it. It isn't market. Read More Reviews (10)
Ridgewood Savings Bank	4.05%	$10,000	Learn More
Rate History: 4.65% → 4.75% → 4.25% → 4.05%
an \| Apr 25, 2022 We would not be having all this trouble with people sealing money out of other people's bank accounts if we were to just stop using fancy banking like onlinebanki Read More Reviews (5)
Bank5 Connect	4.05% 1.50%	$25,000 $100	Learn More
Jumbo Savings. Last change: ↓0.10% on April 18. Rate History: 4.60% → 4.50% → 4.25% → 4.15% → 4.05%
BW \| Jul 17, 2021 I've been with this bank for 6 months and have not had any problems. Bill pay works good. The 24 month investing CD is another vechile I use. Rates are above average considering the national rate. I'd reco... Read More Reviews (10)
Canadian Imperial Bank USA	4.02%	$1,000	Learn More
CIBC Agility Savings Account. Last change: ↓0.09% on July 15. Rate History: 4.38% → 4.28% → 4.21% → 4.11% → 4.02%
ytr0171 \| Jul 23, 2023 easy to work with but the rate isn't competitive. not even the leading savings rate banks are competitive versus short us treasuries. Read More Reviews (22)
Salem Five Direct	4.01%	$0	Learn More
Bank reports that this rate is for new customers only. Bank also charges ACH transfer fees and routinely lowers rates for existing customers below those advertised. Last change: ↓0.24% on January 18. Rate History: 5.01% → 4.41% → 4.50% → 4.25% → 4.01%
LarryMass \| Dec 8, 2020 Everyone here in Boston raves about Salem Five but it is shithole operation filled with nasty entitled people. As for this online savings product, the fees are ridiculous, the transfer charges are obnoxiou... Read More Reviews (7)
UFB Direct, a division of Axos Bank	4.01%	$1	Learn More
UFB High Yield Savings. Bank reports that this rate is for new customers only. Rate History: 4.83% → 4.57% → 4.31% → 4.01% → 4.01%
Miles Jacobsen \| Jul 18, 2023 I got into this one back in early April for the rate. It was the first to hit 5%. I put up with all sorts of annoying thing getting the account funded (including a 5-day wait period during which they had... Read More Reviews (11)
Dollar Savings Direct, a division of Emigrant Bank	4.00%	$0	Learn More
Last change: ↓ 0.25% on January 18.
Rate History: 5.00% → 4.85% → 4.25% → 4.00%
J Dally \| Jun 13, 2023 I'll steer clear of Dollar Savings Direct and My Savings Direct until they guarantee users at both online divisions their best rates. Banks have the right to segment their customers yes, but these games w... Read More Reviews (26)
Virtualbank, a division of First Horizon Bank	4.00%	$0	Learn More
eMoneyMarket Special. Bank reports that rate is extended for new money only. Rate History: 5.25% → 4.75% → 4.50% → 4.25% → 4.00%
Hello VirtualBank? \| Dec 22, 2018 I know VirtualBank has monitored these comments in the past and answered here. This is important because they do not respond to questions submitted through the website. I am trying to find out the pena... Read More Reviews (12)
CIT Bank, a division of First-Citizens Bank and Trust	4.00%	$5,000	Learn More
Platinum Savings. Bank reports that this rate is available for new accounts only. Last change: ↓0.10% on July 7. Rate History: 4.55% → 4.35% → 4.30% → 4.10% → 4.00%
RTN1949 \| Jun 2, 2022 I've been a customer since CIT emerged from the financial crisis as a real competitor in this space (14 years or so). Zero complaints about anything over this time ... until today. Now they are offering a... Read More Reviews (33)
Northern Bank Direct	4.00%	$1	Learn More
Money Market Premier. Bank reports that this rate is for new customers only. Rate History: 4.85% → 4.75% → 4.50% → 4.25% → 4.00%
Mike Brown \| Jul 6, 2023 This is an example of a bad bank. Their online process for purchasing a CD is horrible. You fill it out and it rejects it after all of your private information is disclosed. They there customer service is ... Read More Reviews (9)
Morgan Stanley Private Bank (Offered through ETrade)	4.00%	$0	Learn More
Last change: ↓ 0.10% on January 2.
Rate History: 4.50% → 4.25% → 4.10% → 4.00%
FROZE-ACCOUNT \| Jan 10, 2024 Account was frozen (over 400K) after they confused our account with another account / person whose name was not even very similar. We were treated like dirt after 12 years and "Guilty until Innocent". I ha... Read More Reviews (3)
TIAA Bank / Everbank	4.00% 2.02%	$100,000 $0	Learn More
Performance Money Market Rate History: 4.30% → 4.20% → 4.30% → 4.00%
smithy1968 \| Mar 20, 2025 A non-customer-friendly organization that just switches between two contaminated brands trying to bring back some sort of goodwill that it had before it started selling fake foreign currency CDs in 2006 an... Read More Reviews (40)
Banesco USA	4.00%	$300	Learn More
Rate History: 1.35% → 5.25% → 4.75% → 4.50% → 4.00%
Dkplan \| Dec 27, 2022 They gave a hard time with their cashier's check. They returned my deposited check that was emitted by them. Could you believe? Read More Reviews (8)
Bank5 Connect	3.96%	$5,000	Learn More
Rate History: 3.98% → 3.96%
BW \| Jul 17, 2021 I've been with this bank for 6 months and have not had any problems. Bill pay works good. The 24 month investing CD is another vechile I use. Rates are above average considering the national rate. I'd reco... Read More Reviews (10)
Barclays Bank Delaware	3.90%	$0	Learn More
Last change: ↓ 0.10% on April 4.
Rate History: 4.20% → 4.10% → 4.25% → 4.00% → 3.90%
LenaL \| May 2, 2022 Barclays is the worst. Transfer speeds even worse than Synchrony now. Service is worse than anything. Save yourself the trouble of getting sucked into rates that are sometimes competitive and choose anythi... Read More Reviews (40)
Byline Bank	3.90%	$5,000	Learn More Add Review
Rate History: 4.75% → 3.90%
FNBO Direct	3.90% 3.81% 3.70% 3.50%	$1,000,000 $500,000 $100,000 $0	Learn More
Rate History: 4.45% → 4.20% → 4.00% → 3.90%
NRB \| Mar 14, 2018 Poor service. Condescending attitude. Savings application denied without giving reason (Equifax file had a freeze because of hacking history) and not advising customer of need to unfreeze credit file for a... Read More Reviews (4)
Sallie Mae Bank	3.90%	$0	Learn More
Last change: ↓ 0.20% on February 6.
Rate History: 4.00% → 4.25% → 4.10% → 3.90%
HAL1975 \| Aug 2, 2023 Sallie mae is just a horrible institution. We've done business with them before and swore on the holy bible not to go near there again, but a 18 mos cd at 5.55% brought us back. Read More Reviews (40)
Sallie Mae Bank	3.85%	$0	Learn More
Rate History: 4.20% → 4.10% → 4.10% → 3.90% → 3.85%
HAL1975 \| Aug 2, 2023 Sallie mae is just a horrible institution. We've done business with them before and swore on the holy bible not to go near there again, but a 18 mos cd at 5.55% brought us back. Read More Reviews (40)
Quontic Bank	3.85%	$0	Learn More
Online Savings Last change: ↓0.15% on January 4. Rate History: 4.25% → 4.50% → 4.25% → 4.00% → 3.85%
JuanVelasco \| Mar 17, 2023 STAY AWAY ! They closed my accounts with no warning. After multiple successful direct deposits and mobile checks deposits, they claimed one of the three checks I deposited a few days ago was fake. No... Read More Reviews (15)
Amboy Direct	3.82%	$1	Learn More Add Review
Climate First Bank	3.81%	$50	Learn More
Last change: ↑ 1.81% on February 4.
tjgarnett \| Mar 2, 2024 Attracted to the name, but the service had too many steps so I didn't open an account. Read More Reviews (1)
CNB Bank Direct	3.80%	$100	Learn More
Last change: ↓ 0.21% on March 24.
Rate History: 4.28% → 4.60% → 4.01% → 3.80%
Yolanda Gilruth \| Jun 12, 2022 I have a small question Read More Reviews (1)
SoFi Bank	3.80%	$0	Learn More
Last change: ↓ 0.20% on January 25.
Rate History: 4.30% → 4.30% → 4.20% → 4.00% → 3.80%
Bait and Swich \| May 17, 2022 Not what it seems. Avoid! Read More Reviews (1)
Synchrony Bank	3.80%	$0	Learn More
External transfers may take up to 3 business days and may be limited to $25,000/day. Last change: ↓0.20% on June 4. Rate History: 4.50% → 4.30% → 4.10% → 4.00% → 3.80%
mcriss \| Oct 23, 2023 Synchrony Bank recently closed 3 of my accounts with them and this decision was completely unwarranted. I had two Guitar Center cards and one Levin Furniture card. I found out about this through a push not... Read More Reviews (71)
Laurel Road, a division of KeyBank	3.80%	$0	Learn More
High-Yield Savings Account. Last change: ↓0.20% on February 24. Rate History: 4.80% → 4.50% → 4.15% → 4.00% → 3.80%
Yeller \| May 8, 2023 STAY BELOW FDIC limits. This is a desperate product unleashed from a distressed bank! Read More Reviews (1)
My Savings Direct, a division of Emigrant Bank	3.75%	$1	Learn More
MySavings Account. Last change: ↓0.35% on May 19. Rate History: 4.35% → 4.10% → 3.75%
not perfect but \| Apr 25, 2023 with all of these online bank, including the well known ones, delaying transfers forever in order to fund these high rates, this one still executes inbound and outbound transfers immediately. Read More Reviews (21)
Valley Direct, a division of Valley National Bank	3.75%	$5,000	Learn More
Online transfers limited to $1,500 per day and $10,000 per month. Last change: ↓1.00% on December 19, 2024. Rate History: 4.75% → 4.00% → 4.80% → 4.75% → 3.75%
AEM \| Sep 18, 2023 I agree with another user, this bank is very poorly put together, and may very well be an operation in large part used to extract and sell people's personal information. I called customer service and had ... Read More Reviews (19)
Citizens Bank, National Association	3.70%	$0	Learn More
Rate History: 4.50% → 4.15% → 3.90% → 3.70%
Dana E. \| Mar 20, 2016 Good solid bank. Read More Reviews (2)
TD Bank, National Association Tryon 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 Northwoods Market 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)
Goldman Sachs Bank	3.65%	$1	Learn More
Last change: ↓ 0.10% on May 29.
Rate History: 4.25% → 4.10% → 3.90% → 3.75% → 3.65%
A Terkowitz \| Feb 15, 2024 best bank on the list but no longer the most competitive Read More Reviews (46)
First Internet Bank of Indiana	3.61%	$1,000	Learn More
Rate History: 3.76% → 3.77% → 3.77% → 3.61%
Beenthere \| Jan 30, 2024 Have an IRA rollover, they don't take IRAs any longer. Read More Reviews (2)
Discover Bank	3.60%	$0	Learn More
Last change: ↓ 0.10% on May 16.
Rate History: 4.00% → 3.90% → 3.75% → 3.70% → 3.60%
AVOID_ READ_CAREFULLY \| Jan 10, 2024 AVOID at all costs. We read the addendum to the final page of the LENGTHY account agreement mailed to us after completing the online portion. Guess what? It gives this sweet seeming Discover Bank access to... Read More Reviews (13)
Capital One, National Association	3.60%	$1	Learn More
Rate History: 4.10% → 4.00% → 3.90% → 3.80% → 3.60%
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)
BMO Alto, a division of Bank of Montreal Harris	3.60%	$0	Learn More
Last change: ↓ 0.10% on April 25.
Rate History: 4.30% → 4.10% → 4.00% → 3.70% → 3.60%
Jenny Kingston \| Jun 10, 2024 I guess customer service is in the US (not sure). I'd rather that someone in the Philippines answered though. These people are so poorly trained and ill informed that I do not trust them with my personal... Read More Reviews (6)
Bank of Montreal Harris	3.56%	$250,000	Learn More
Rate History: 1.50% → 3.56%
GAM \| Jul 28, 2020 Dropped rates again with restrictive transfer limits and poor service. Better rates and liquidity elsewhere. Beware!!! Read More Reviews (2)
Bogota Savings Bank	3.56% 2.79%	$100,000 $50,000	Learn More Add Review
Capital One 360	3.50%	$0	Learn More
360 Performance Savings Account. Rate available for new account holders only. Last change: ↓0.10% on July 2. Rate History: 3.90% → 3.80% → 3.70% → 3.60% → 3.50%
NS123 \| Mar 15, 2023 Thank you for the reviews above. I was wondering why I was only getting 0.3% when interest rates have gone up. Why CapitalOne360 is putting loyal and long time customers at a disadvantage is beyond me. ... Read More Reviews (24)
American Express Bank, FSB	3.50%	$0	Learn More
Last change: ↓ 0.10% on July 23.
Rate History: 4.00% → 3.80% → 3.70% → 3.60% → 3.50%
Chris \| Aug 31, 2022 never had a problem moving money in/out. After trying a couple banks with higher rates but less service will be moving my money back here. Read More Reviews (8)
Regions Bank Raleigh Northpark Branch	3.50% 1.50%	$10,000 $0	Learn More Add Review
Ally Bank	3.50%	$0	Learn More
Online Money Market Account. Ally's Online Savings account rate is only 3.75% APY. Rate History: 3.80% → 3.70% → 3.60% → 3.60% → 3.50%
Rad \| Aug 13, 2023 Been a customer for a couple of years now with interesting checking, been a happy customer. They give you a $10 reimbursement on atm fees per statement cycle. They pay you to leave your money there curre... Read More Reviews (53)
Citizens	3.50%	$1	Learn More
Last change: ↓ 0.20% on July 30.
Rate History: 4.15% → 3.70% → 3.50%
james \| Nov 18, 2023 bad bank hold your deposit over months without credit in your account, no interest, they don’t want pay you interest , they want your money with 0% interest. Read More Reviews (37)
PNC Bank	3.50%	$1	Learn More
Not available to residents of states with PNC branch locations. Rate History: 4.65% → 3.50% → 3.50%
JM \| Jun 29, 2023 $10K monthly transfer limit. No thanks Read More Reviews (4)
U.S. Bank National Association	3.50% 0.05%	$25,000 $1	Learn More
Rate History: 4.10% → 3.50%
Ugg \| Jun 12, 2023 US Bank reported me to dult Protective Services because my husband is 85 and I am63. He got sick and went into a nursing hime for 3 months. My husband always handled the financial affairs. I had to take ov... Read More Reviews (6)
Gateway First Bank	3.40%	$1,000	Learn More
JohnC \| Oct 11, 2020 You probably thought - as did I - that you were looking at a site that belongs to and was the responsibility of Gateway First. After all it includes their headings, selected financial statements, many pag... Read More Reviews (3)
FNBO Direct	3.35%	$1	Learn More
Last change: ↓ 0.25% on May 16.
Rate History: 4.25% → 4.25% → 3.90% → 3.60% → 3.35%
NRB \| Mar 14, 2018 Poor service. Condescending attitude. Savings application denied without giving reason (Equifax file had a freeze because of hacking history) and not advising customer of need to unfreeze credit file for a... Read More Reviews (4)
Woodforest National Bank 0859 Lenoir North Carolina Walmart B 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)
OneLocal Bank	3.25% 3.00%	$250,000 $0	Learn More Add Review
Rate History: 3.75% → 3.25%
Atlantic Union Bank Southern Shores 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)
Citizens Bank, National Association	3.00% 2.75%	$250,000 $25,000	Learn More
Rate History: 1.00% → 3.00%
Dana E. \| Mar 20, 2016 Good solid bank. Read More Reviews (2)
MainStreet Bank	3.00% 2.25% 1.25% 0.80%	$100,000 $50,000 $25,000 $0	Learn More Add Review
Rate History: 4.25% → 3.75% → 3.35% → 3.00%
Bank of Whittier, National Association	2.60%	$250	Learn More Add Review
IncredibleBank	2.53% 1.76%	$250,000 $50,000	Learn More
Rate History: 2.50% → 3.00% → 2.53%
nonsense \| May 21, 2021 avoid this Read More Reviews (22)
Finworth Concord Branch	2.53%	$250,000	Learn More
Geoffrey Christopher 1 \| Nov 12, 2023 Finworth looks legit, but their online disclosures and incomplete and you cannot reach them by phone and they don't respond to inquiries. I am moving along and you should too. Read More Reviews (1)
NATIONAL COOPERATIVE BANK, N.A.	2.53%	$5,000	Learn More
JC \| Jun 1, 2021 Update: STAY AWAY FROM THIS BANK! They have no clue how to run an online bank. This bank is not ready for prime time. Nothing but problems. Customer service is dismal at best. Read More Reviews (2)
InsBank	2.53% 2.38%	$250,000 $50,000	Learn More
Rate History: 0.15% → 2.53%
judy \| Jul 7, 2022 Insbank 1 yr is 1.5 % 18month is 1.6% 7-7-2022 Read More Reviews (6)
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)
Cross River Bank	2.25%	$0	Learn More
Last change: ↓ 0.35% on October 11, 2024.
Rate History: 2.60% → 2.25%
Zman111 \| Jun 26, 2022 ACH transfers are not allowed. Called and was told that I had to set up wire transfers (and pay fees) or I could come in to the bank and get a bank check. Read More Reviews (13)
Amalgamated Bank	2.25%	$1	Learn More Add Review
Last change: ↓ 0.25% on April 9.
Rate History: 2.75% → 2.50% → 2.25%
Synchrony Bank	2.00%	$0	Learn More
mcriss \| Oct 23, 2023 Synchrony Bank recently closed 3 of my accounts with them and this decision was completely unwarranted. I had two Guitar Center cards and one Levin Furniture card. I found out about this through a push not... Read More Reviews (71)
CIT Bank, a division of First-Citizens Bank and Trust	1.55%	$100	Learn More
RTN1949 \| Jun 2, 2022 I've been a customer since CIT emerged from the financial crisis as a real competitor in this space (14 years or so). Zero complaints about anything over this time ... until today. Now they are offering a... Read More Reviews (33)
Gateway First Bank	1.50%	$10	Learn More
JohnC \| Oct 11, 2020 You probably thought - as did I - that you were looking at a site that belongs to and was the responsibility of Gateway First. After all it includes their headings, selected financial statements, many pag... Read More Reviews (3)
United Community Bank Hayesville Branch	1.25% 1.00% 0.50%	$500,000 $100,000 $0	Learn More
raymond denmark \| Nov 5, 2018 1years Read More Reviews (1)
Vio Bank, A Division of MidFirst Bank	1.10%	$0	Learn More
Last change: ↑ 0.09% on February 13, 2023.
Jim S \| Dec 21, 2023 Very easy to setup 6 month 5.35% CD from cornerstone account Read More Reviews (38)
USAA Federal Savings Bank	1.10% 0.01%	$500,000 $1	Learn More
Rate History: 1.50% → 1.45% → 1.10%
RYAN S \| Nov 28, 2022 While USAA was at one point a great option for all your banking needs, the service has deteriorated so much that I'm currently in the process of changing banks after more than 2 decades. The final straw w... Read More Reviews (2)
Wells Fargo Bank, National Association Asheville Main 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 Morrisville 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
Chesapeake Bank	0.90% 0.80% 0.70%	$500,000 $100,000 $25,000	Learn More
Rate History: 1.15% → 1.10% → 1.06% → 0.95% → 0.90%
ruler009 \| May 26, 2017 Before009 Read More Reviews (2)
First Internet Bank of Indiana	0.80%	$25	Learn More
Last change: ↓ 0.01% on July 28.
Rate History: 1.00% → 0.81% → 0.80%
Beenthere \| Jan 30, 2024 Have an IRA rollover, they don't take IRAs any longer. Read More Reviews (2)
USAA Federal Savings Bank	0.79% 0.01%	$1,000,000 $10,000	Learn More
Last change: ↓ 0.66% on May 16.
Rate History: 1.60% → 1.50% → 1.45% → 0.79%
Azblondie007 \| Feb 24, 2020 I had been with USAA for 20 years. Had my checking, savings, auto and renters insurance and 2 credit cards with them. I work in the service industry and make a good portion of my income in cash tips. For 4... Read More Reviews (1)
Tarboro Savings Bank, SSB Tarboro Savings Bank, Ssb Branch	0.75%	$2,500	Learn More Add Review
Atlantic Union Bank Southern Shores 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
MainStreet Bank	0.50%	$0	Learn More Add Review
Last change: ↑ 0.25% on August 5, 2024.
Freedom Bank (NJ)	0.40%	$0	Learn More Add Review
MutualOne Bank	0.40%	$500	Learn More
Inbound transfers limited to $25,000/day and $100,000/month.
Thomas DeMauro \| Aug 28, 2022 Rates are totally uncompetitive now. Read More Reviews (11)
Middlesex Federal Savings, F.A.	0.40%	$50	Learn More Add Review
Woodforest National Bank 0859 Lenoir North Carolina Walmart B 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)
Jackson Savings Bank, SSB Jackson Savings Bank, Ssb Branch	0.40%	$2,500	Learn More Add Review
Peoples Bank Cornelius 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
Axos Bank	0.25%	$0	Learn More
wertlkgt \| Mar 28, 2022 Vaporware. Was approved to open an account. I logged in on several different browsers with differing rendering codes--each time got nothing but 3 circles running left to right for up to a half hour when I ... Read More Reviews (9)
WebBank	0.25%	$1,000	Learn More
dbestway@gmail.com \| Aug 13, 2019 I filled out the application 10 days ago answering all questions and sent a file with a copy of my drivers license to Western Bank. I received an email saying that a banker would call me within one busines... Read More Reviews (2)
First Horizon Bank Morrisville Branch	0.25%	$2,500	Learn More
Rate History: 0.30% → 0.25%
D R Lineberger \| Dec 30, 2018 Garden14 Read More Reviews (1)
Transportation Alliance Bank, Inc. d/b/a TAB Bank	0.25%	$1	Learn More
Yat 1965 \| Mar 19, 2022 Problem with ties to puppy mills. I closed a cct. https://www.americanbanker.com/news/tab-bank-dragged-into-seedy-world-of-puppy-mill-loans-by-fintech-partner Read More Reviews (8)
KeyBank National Association	0.25%	$5,000	Learn More
Seeko \| Mar 28, 2023 On line banking gives a confirmation number when paying bills. But it doesn’t confirm that the bill will be paid only that they have the information. Ridiculous. Read More Reviews (2)
U.S. Bank National Association	0.25%	$25,000	Learn More
Rate History: 4.25% → 4.16% → 4.25% → 3.75% → 0.25%
Ugg \| Jun 12, 2023 US Bank reported me to dult Protective Services because my husband is 85 and I am63. He got sick and went into a nursing hime for 3 months. My husband always handled the financial affairs. I had to take ov... Read More Reviews (6)
LifeStore Bank Jefferson Branch	0.25%	$20,000	Learn More Add Review
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
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 Washington Street Office 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 Branch	0.20%	$25,000	Learn More Add Review
United Community Bank Hayesville Branch	0.15%	$2,500	Learn More
Rate History: 0.20% → 0.15%
raymond denmark \| Nov 5, 2018 1years Read More Reviews (1)
Charles Schwab Bank, SSB	0.15%	$0	Learn More
Last change: ↓ 0.10% on December 6, 2024.
Rate History: 0.48% → 0.25% → 0.15%
kenbeckyreese@icloud.com \| Feb 12, 2020 WILL YOU CASH MY EE SAVINGS BONDS? PLEASE ADVSE. Read More Reviews (5)
Northfield Bank	0.15%	$0	Learn More
Last change: ↓ 0.30% on June 30, 2023.
Stella \| Apr 30, 2019 No issues. I feel confident using them. Read More Reviews (1)
SKYLINE NATIONAL BANK Sparta Branch	0.15%	$2,500	Learn More Add Review
First Federal Bank Erwin Branch	0.15%	$25,000	Learn More Add Review
LifeStore Bank Jefferson Branch	0.15%	$1	Learn More Add Review
HomeTrust Bank Queens Road 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 Hanes Mill 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 Reidsville Branch	0.15%	$2,500	Learn More Add Review
Lumbee Guaranty Bank University Plaza Branch	0.15%	$2,500	Learn More Add Review
Roxboro Savings Bank, SSB Roxboro Branch	0.15%	$2,500	Learn More Add Review
Banco Bilbao Vizcaya Argenteria	0.13%	$10,000	Learn More
Rate not available in all states.
The Duffster \| May 21, 2018 I wish I had never heard of or seen BBVA. It has been a disaster. Came to this site to find something else. Read More Reviews (2)
Providence Bank Providence Bank Branch	0.12%	$25,000	Learn More Add Review
Chesapeake Bank	0.10%	$1	Learn More
Last change: ↓ 0.05% on September 22, 2024.
Rate History: 0.25% → 0.20% → 0.15% → 0.10%
ruler009 \| May 26, 2017 Before009 Read More Reviews (2)
OneWest Bank, a division of First-Citizens Bank and Trust	0.10%	$50	Learn More Add Review
Last change: ↑ 0.07% on March 26, 2024.
Rate History: 0.03% → 0.10%
First-Citizens Bank & Trust Company Shelby Branch	0.10%	$25	Learn More
Last change: ↑ 0.07% on March 26, 2024.
Rate History: 0.03% → 0.10%
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)
Northfield Bank	0.10%	$0	Learn More
Stella \| Apr 30, 2019 No issues. I feel confident using them. Read More Reviews (1)
Atlantic Union Bank Southern Shores 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)
Benchmark Community Bank Wake Forest Lpo Branch	0.10%	$100	Learn More Add Review
OneLocal Bank	0.10%	$25,000	Learn More Add Review
Last change: ↑ 0.10% on May 11, 2023.
IncredibleBank	0.10%	$10,000	Learn More
Last change: ↓ 0.90% on June 13, 2024.
nonsense \| May 21, 2021 avoid this Read More Reviews (22)
First Federal Bank Erwin Branch	0.10%	$1	Learn More Add Review
TruPoint Bank Asheville Branch	0.10%	$1	Learn More Add Review
HomeTrust Bank Queens Road 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 Chapel Hill Southern Village 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 Bethlehem Branch	0.10%	$2,500	Learn More Add Review
Carter Bank & Trust Washington Street Office 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 Hanes Mill Branch	0.10%	$2,500	Learn More Add Review
Peoples Bank Cornelius 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 Reidsville Branch	0.10%	$10,000	Learn More Add Review
Farmers & Merchants Bank Faith Teller's Window 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 - Fayetteville Raeford Rd Walma Branch	0.10%	$2,500	Learn More Add Review
Lumbee Guaranty Bank University Plaza Branch	0.10%	$2,500	Learn More Add Review
North State Bank Garner Village Shopping Ctr. Branch	0.10%	$10,000	Learn More Add Review
Dogwood State Bank Sound Bank Branch	0.10%	$2,500	Learn More Add Review
Roxboro Savings Bank, SSB Roxboro Branch	0.10%	$2,500	Learn More Add Review
Ameris Bank	0.10%	$25,000	Learn More
COLETTE B \| May 30, 2022 I HAVE TO AGREE WITH THE OTHER REVIEWERS. THIS BANK HAS THE WORST CUSTOMER SERVICE OF ALL TIME. I HAD NO CHOICE BUT TO GO HERE... IF THERE'S ANY WAY YOU CAN AVOID, IT IS HIGHLY RECOMMENDED. LET ME GIVE ... Read More Reviews (4)
New Republic Savings Bank New Republic Savings Bank Branch	0.09%	$2,500	Learn More Add Review
HomeTrust Bank Queens Road Branch	0.08%	$2,500	Learn More Add Review
KS Bank, Inc. Garner 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-Citizens Bank & Trust Company Shelby Branch	0.07%	$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 Community Bank Taylorsville Branch	0.07%	$25,000	Learn More Add Review
Southern Bank and Trust Company Manteo Branch	0.07%	$25,000	Learn More Add Review
Guaranty Bank and Trust Company	0.07%	$25,000	Learn More Add Review
First Community Bank Taylorsville Branch	0.06%	$2,500	Learn More Add Review
Providence Bank Providence Bank Branch	0.06%	$10,000	Learn More Add Review
Southern First Bank Greensboro 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)
Bank OZK Concord 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)
First Federal Bank Erwin 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 Chapel Hill Southern Village 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 Taylorsville 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 Garner Branch	0.05%	$25,000	Learn More Add Review
Farmers & Merchants Bank Faith Teller's Window Branch	0.05%	$2,500	Learn More Add Review
Blue Ridge Bank, National Association	0.05%	$25,000	Learn More
Jack \| Jul 20, 2020 This bank is very bad. I am posting my story here now, hoping to make a reference for those friends who want to become their customers. I was very excited when I saw Blue Ridge Bank, N.A. on Google beca... Read More Reviews (1)
Southern Bank and Trust Company Manteo Branch	0.05%	$25,000	Learn More Add Review
North State Bank Garner Village Shopping Ctr. Branch	0.05%	$2,500	Learn More Add Review
KS Bank, Inc. Garner 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)
Providence Bank Providence Bank Branch	0.05%	$2,500	Learn More Add Review
Ameris Bank	0.05%	$2,500	Learn More
COLETTE B \| May 30, 2022 I HAVE TO AGREE WITH THE OTHER REVIEWERS. THIS BANK HAS THE WORST CUSTOMER SERVICE OF ALL TIME. I HAD NO CHOICE BUT TO GO HERE... IF THERE'S ANY WAY YOU CAN AVOID, IT IS HIGHLY RECOMMENDED. LET ME GIVE ... Read More Reviews (4)
Bank of America, National Association Highlands 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)
KS Bank, Inc. Garner 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
Guaranty Bank and Trust Company	0.04%	$2,500	Learn More Add Review
First Federal Bank Erwin Branch	0.03%	$200	Learn More Add Review
Pinnacle Bank Chapel Hill Southern Village 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 Taylorsville Branch	0.03%	$2,500	Learn More Add Review
Mechanics & Farmers Bank Winston-Salem Branch	0.03%	$25,000	Learn More Add Review
Blue Ridge Bank, National Association	0.03%	$2,500	Learn More
Jack \| Jul 20, 2020 This bank is very bad. I am posting my story here now, hoping to make a reference for those friends who want to become their customers. I was very excited when I saw Blue Ridge Bank, N.A. on Google beca... Read More Reviews (1)
Towne Bank Paragon Commerical Bank - Charlotte Branch	0.03%	$25,000	Learn More Add Review
PNC Bank, National Association Hampstead 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)
JPMorgan Chase Bank, National Association	0.02%	$25,000	Learn More
Hayley7788d@outlook.com \| Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More Reviews (25)
Guaranty Bank and Trust Company	0.02%	$2,500	Learn More Add Review
The Fidelity Bank Garner Branch	0.02%	$2,500	Learn More Add Review
Mechanics & Farmers Bank Winston-Salem Branch	0.02%	$10,000	Learn More Add Review
Southern Bank and Trust Company Manteo Branch	0.02%	$2,500	Learn More Add Review
KS Bank, Inc. Garner 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 Paragon Commerical Bank - Charlotte Branch	0.02%	$2,500	Learn More Add Review
First Carolina Bank Reidsville Branch	0.02%	$2,500	Learn More Add Review
PNC Bank, National Association Hampstead 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 Raleigh Northpark Branch	0.01%	$0	Learn More Add Review
KeyBank National Association	0.01%	$1	Learn More
Seeko \| Mar 28, 2023 On line banking gives a confirmation number when paying bills. But it doesn’t confirm that the bill will be paid only that they have the information. Ridiculous. Read More Reviews (2)
Fifth Third Bank, National Association Port Village Branch	0.01%	$500	Learn More
Juan Ricardo \| Nov 12, 2018 Helpful w/$ Read More Reviews (5)
The Park National Bank	0.01%	$1,000	Learn More Add Review
First National Bank of Pennsylvania Green Valley 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 Winston-Salem Branch	0.01%	$2,500	Learn More Add Review
Blue Ridge Bank, National Association	0.01%	$2,500	Learn More
Jack \| Jul 20, 2020 This bank is very bad. I am posting my story here now, hoping to make a reference for those friends who want to become their customers. I was very excited when I saw Blue Ridge Bank, N.A. on Google beca... Read More Reviews (1)
Southern Bank and Trust Company Manteo Branch	0.01%	$2,500	Learn More Add Review
Towne Bank Paragon Commerical Bank - Charlotte 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.

See rates for Credit Unions →

Branches Info across North Carolina

Branch	Street	City	State
Live Oak Banking Company Live Oak Banking Company Branch	1757 Tiburon Drive	Wilmington	NC
TD Bank, National Association Tryon Branch	936 South Trade Street	Tryon	NC
Truist Bank Northwoods Market Branch	977 North Harrison Avenue	Cary	NC
Regions Bank Raleigh Northpark Branch	4900 Falls Of Neuse Road, Suite 100	Raleigh	NC
Woodforest National Bank 0859 Lenoir North Carolina Walmart B Branch	935 Blowing Rock Blvd	Lenoir	NC
Atlantic Union Bank Southern Shores Branch	5406 N Croatan Highway	Kitty Hawk	NC
Atlantic Union Bank Southern Shores Branch	5406 N Croatan Highway	Kitty Hawk	NC
Finworth, a division of InsBank Concord Branch	660 Penny Lane, Ne	Concord	NC
Woodforest National Bank 0859 Lenoir North Carolina Walmart B Branch	935 Blowing Rock Blvd	Lenoir	NC
TD Bank, National Association Tryon Branch	936 South Trade Street	Tryon	NC
Woodforest National Bank 0859 Lenoir North Carolina Walmart B Branch	935 Blowing Rock Blvd	Lenoir	NC
Regions Bank Raleigh Northpark Branch	4900 Falls Of Neuse Road, Suite 100	Raleigh	NC
Woodforest National Bank 0859 Lenoir North Carolina Walmart B Branch	935 Blowing Rock Blvd	Lenoir	NC
United Community Bank Hayesville Branch	95 U.S. Highway 64 West	Hayesville	NC
Wells Fargo Bank, National Association Asheville Main Branch	One Haywood Street	Asheville	NC
First Horizon Bank Morrisville Branch	9632 Chapel Hill Road	Morrisville	NC
United Community Bank Hayesville Branch	95 U.S. Highway 64 West	Hayesville	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 Morrisville Branch	9632 Chapel Hill Road	Morrisville	NC
Atlantic Union Bank Southern Shores Branch	5406 N Croatan Highway	Kitty Hawk	NC
Tarboro Savings Bank, SSB Tarboro Savings Bank, Ssb Branch	501 Main Street	Tarboro	NC
United Community Bank Hayesville Branch	95 U.S. Highway 64 West	Hayesville	NC
Atlantic Union Bank Southern Shores Branch	5406 N Croatan Highway	Kitty Hawk	NC
Benchmark Community Bank Wake Forest Lpo Branch	12335 Wake Union Church Road	Wake Forest	NC
Woodforest National Bank 0859 Lenoir North Carolina Walmart B Branch	935 Blowing Rock Blvd	Lenoir	NC
Jackson Savings Bank, SSB Jackson Savings Bank, Ssb Branch	741 West Main Street	Sylva	NC
Woodforest National Bank 0859 Lenoir North Carolina Walmart B Branch	935 Blowing Rock Blvd	Lenoir	NC
Peoples Bank Cornelius Branch	9624 Bailey Road	Cornelius	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 0859 Lenoir North Carolina Walmart B Branch	935 Blowing Rock Blvd	Lenoir	NC
First Horizon Bank Morrisville Branch	9632 Chapel Hill Road	Morrisville	NC
Atlantic Union Bank Southern Shores Branch	5406 N Croatan Highway	Kitty Hawk	NC
Benchmark Community Bank Wake Forest Lpo Branch	12335 Wake Union Church Road	Wake Forest	NC
LifeStore Bank Jefferson Branch	840 East Main Street	Jefferson	NC
BlueHarbor Bank Blueharbor Bank Branch	106 Corporate Park Drive	Mooresville	NC
Dogwood State Bank Sound Bank Branch	5039 Executive Drive	Morehead City	NC
New Republic Bank New Republic Savings Bank Branch	420 Becker Drive	Roanoke Rapids	NC
Nantahala Bank & Trust Company Nantahala Bank & Trust Company Branch	120 Siler Road	Franklin	NC
Carter Bank & Trust Washington Street Office Branch	900 Washington Street	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 Branch	5420 Durham Road	Roxboro	NC
United Community Bank Hayesville Branch	95 U.S. Highway 64 West	Hayesville	NC
Atlantic Union Bank Southern Shores Branch	5406 N Croatan Highway	Kitty Hawk	NC
SKYLINE NATIONAL BANK Sparta Branch	98 S Grayson St	Sparta	NC
First Federal Bank Erwin Branch	540 East Jackson Boulevard	Erwin	NC
LifeStore Bank Jefferson Branch	840 East Main Street	Jefferson	NC
HomeTrust Bank Queens Road Branch	100 Queens Road	Charlotte	NC
First Bank High Point Branch	4010 Brian Jordan Place	High Point	NC
Piedmont Federal Savings Bank Hanes Mill Branch	5189 Northern Quarters Drive	Winston Salem	NC
Belmont Savings Bank, SSB Belmont Federal Savings And Loan Ass Branch	210 Park Street	Belmont	NC
First Carolina Bank Reidsville Branch	604 South Scales Street	Reidsville	NC
Lumbee Guaranty Bank University Plaza Branch	915 W. Third Street	Pembroke	NC
Roxboro Savings Bank, SSB Roxboro Branch	5420 Durham Road	Roxboro	NC
Providence Bank Providence Bank Branch	450 N Winstead Ave	Rocky Mount	NC
First-Citizens Bank & Trust Company Shelby Branch	800 South Lafayette Street	Shelby	NC
Atlantic Union Bank Southern Shores Branch	5406 N Croatan Highway	Kitty Hawk	NC
Benchmark Community Bank Wake Forest Lpo Branch	12335 Wake Union Church Road	Wake Forest	NC
First Federal Bank Erwin Branch	540 East Jackson Boulevard	Erwin	NC
TruPoint Bank Asheville Branch	116 Executive Park	Asheville	NC
HomeTrust Bank Queens Road Branch	100 Queens Road	Charlotte	NC
First Bank High Point Branch	4010 Brian Jordan Place	High Point	NC
Nantahala Bank & Trust Company Nantahala Bank & Trust Company Branch	120 Siler Road	Franklin	NC
Pinnacle Bank Chapel Hill Southern Village Branch	301 Kildaire Road	Chapel Hill	NC
Taylorsville Savings Bank, SSB Bethlehem Branch	9645 Hwy 127 N	Hickory	NC
Carter Bank & Trust Washington Street Office Branch	900 Washington Street	Eden	NC
Piedmont Federal Savings Bank Hanes Mill Branch	5189 Northern Quarters Drive	Winston Salem	NC
Peoples Bank Cornelius Branch	9624 Bailey Road	Cornelius	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 Reidsville Branch	604 South Scales Street	Reidsville	NC
Farmers & Merchants Bank Faith Teller's Window Branch	115 South Main Faith Street	Faith	NC
BlueHarbor Bank Blueharbor Bank Branch	106 Corporate Park Drive	Mooresville	NC
FSNB, National Association Fsnb - Fayetteville Raeford Rd Walma Branch	7707 S. Raeford Road	Fayetteville	NC
Lumbee Guaranty Bank University Plaza Branch	915 W. Third Street	Pembroke	NC
North State Bank Garner Village Shopping Ctr. Branch	835 Highway 70 West	Garner	NC
Dogwood State Bank Sound Bank Branch	5039 Executive Drive	Morehead City	NC
Roxboro Savings Bank, SSB Roxboro Branch	5420 Durham Road	Roxboro	NC
New Republic Bank New Republic Savings Bank Branch	420 Becker Drive	Roanoke Rapids	NC
HomeTrust Bank Queens Road Branch	100 Queens Road	Charlotte	NC
KS Bank, Inc. Garner Branch	920 Seventh Avenue	Garner	NC
First-Citizens Bank & Trust Company Shelby Branch	800 South Lafayette Street	Shelby	NC
First Community Bank Taylorsville Branch	92 North Center Street	Taylorsville	NC
Southern Bank and Trust Company Manteo Branch	704 Us 64	Manteo	NC
First Community Bank Taylorsville Branch	92 North Center Street	Taylorsville	NC
Providence Bank Providence Bank Branch	450 N Winstead Ave	Rocky Mount	NC
Southern First Bank Greensboro Branch	100 S Elm St, Suite 100	Greensboro	NC
Bank OZK Concord Branch	660 Penny Lane, Ne	Concord	NC
First Federal Bank Erwin Branch	540 East Jackson Boulevard	Erwin	NC
Black Mountain Savings Bank, SSB Black Mountain Savings Bank, Ssb Branch	200 E State Street	Black Mountain	NC
First Bank High Point Branch	4010 Brian Jordan Place	High Point	NC
Pinnacle Bank Chapel Hill Southern Village Branch	301 Kildaire Road	Chapel Hill	NC
First Community Bank Taylorsville Branch	92 North Center Street	Taylorsville	NC
Morganton Savings Bank, S.S.B. Morganton Savings Bank, S.S.b. Branch	100 South King Street	Morganton	NC
The Fidelity Bank Garner Branch	919 Us Highway 70 W	Garner	NC
Farmers & Merchants Bank Faith Teller's Window Branch	115 South Main Faith Street	Faith	NC
Southern Bank and Trust Company Manteo Branch	704 Us 64	Manteo	NC
North State Bank Garner Village Shopping Ctr. Branch	835 Highway 70 West	Garner	NC
KS Bank, Inc. Garner Branch	920 Seventh Avenue	Garner	NC
Providence Bank Providence Bank Branch	450 N Winstead Ave	Rocky Mount	NC
Bank of America, National Association Highlands Branch	Pine And Fourth Streets	Highlands	NC
KS Bank, Inc. Garner Branch	920 Seventh Avenue	Garner	NC
Providence Bank Providence Bank Branch	450 N Winstead Ave	Rocky Mount	NC
First Federal Bank Erwin Branch	540 East Jackson Boulevard	Erwin	NC
Pinnacle Bank Chapel Hill Southern Village Branch	301 Kildaire Road	Chapel Hill	NC
First Community Bank Taylorsville Branch	92 North Center Street	Taylorsville	NC
Mechanics & Farmers Bank Winston-Salem Branch	770 M.L. King Blvd.	Winston Salem	NC
TowneBank Paragon Commerical Bank - Charlotte Branch	6337 Morrison Boulevard	Charlotte	NC
PNC Bank, National Association Hampstead Branch	14615 Us 17 North	Hampstead	NC
The Fidelity Bank Garner Branch	919 Us Highway 70 W	Garner	NC
Mechanics & Farmers Bank Winston-Salem Branch	770 M.L. King Blvd.	Winston Salem	NC
Southern Bank and Trust Company Manteo Branch	704 Us 64	Manteo	NC
KS Bank, Inc. Garner Branch	920 Seventh Avenue	Garner	NC
TowneBank Paragon Commerical Bank - Charlotte Branch	6337 Morrison Boulevard	Charlotte	NC
First Carolina Bank Reidsville Branch	604 South Scales Street	Reidsville	NC
Wells Fargo Bank, National Association Asheville Main Branch	One Haywood Street	Asheville	NC
PNC Bank, National Association Hampstead Branch	14615 Us 17 North	Hampstead	NC
Regions Bank Raleigh Northpark Branch	4900 Falls Of Neuse Road, Suite 100	Raleigh	NC
Fifth Third Bank, National Association Port Village Branch	498 River Highway	Mooresville	NC
Truist Bank Northwoods Market Branch	977 North Harrison Avenue	Cary	NC
First National Bank of Pennsylvania Green Valley Branch	701 Green Valley Road	Greensboro	NC
Mechanics & Farmers Bank Winston-Salem Branch	770 M.L. King Blvd.	Winston Salem	NC
Southern Bank and Trust Company Manteo Branch	704 Us 64	Manteo	NC
TowneBank Paragon Commerical Bank - Charlotte Branch	6337 Morrison Boulevard	Charlotte	NC

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

NORTH-CAROLINA SAVINGS ACCOUNT ENVIRONMENT

The banking system in North Carolina is affected by the fact that several major banks are headquartered there. The presence of these major banks has a significant impact on the state's economy, financial services sector, and overall banking industry.

Here are a few ways the banking system in North Carolina is affected:

1. Employment and Economic Impact: The headquarters of major banks like Bank of America and Truist Financial in Charlotte, North Carolina, create significant employment opportunities and contribute to the state's economic growth. These banks attract highly skilled professionals and drive job creation both directly and indirectly.

2. Financial Sector Expansion: The presence of major banks also stimulates the growth of other financial institutions and services in the region. It attracts smaller banks, credit unions, and financial technology firms, leading to a more robust and diverse banking ecosystem.

3. Increased Competition: The concentration of major bank headquarters in North Carolina intensifies competition within the banking industry. This competition fosters innovation and drives banks to offer more competitive products, services, and technologies to attract customers and retain market share.

4. Community Development: Major banks headquartered in North Carolina often contribute to local community development and philanthropic initiatives. Through donations, grants, and community partnership programs, these banks invest in various social and economic development projects, which can have a positive impact on local communities.

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.