Highest Money Market Rates in North Carolina
13 North Carolina-specific accounts
Top North Carolina Rate:3.85% APYFDIC or NCUA Insured
The North Carolina market
North Carolina accounts
13
Institutions
11
Top North Carolina APY
3.85% APY
Nationally: 4.00% APY
FDIC national average
0.63%
As of Sep 2026
13 money market accounts are open only to North Carolina residents, from 11 institutions. The highest advertised APY among them is 3.85%.
The highest nationally available rate is 4.00% APY, 15 basis points above the North Carolina leader.
9 of the 13 North Carolina money market accounts advertise more than the FDIC national average of 0.63% for money market accounts as of Sep 2026.
North Carolina-Specific Money Market Accounts
Money market accounts specifically available to North Carolina residents.
| Institution | Product / Term | APY |
|---|---|---|
| Old National Bank | Market Monitorneeds at least $20,000 | Up to3.85% |
| Riverside Savings Bank, SSB | Choice Money Marketneeds at least $100,000 | Up to3.61% |
| LifeStore Bank | Money Marketneeds at least $250,000 | Up to3.20% |
| FirstBank | Consumer Fed Funds Money Marketneeds at least $100,000 | Up to3.15% |
| Gateway First Bank | Gateway Money Marketneeds at least $25,000 | Up to2.50% |
| Atlantic Union Bank | Performance Money Market | 2.25% |
| United Community Bank | Personal Money Marketneeds at least $500,000 | Up to1.15% |
| Roxboro Savings Bank, SSB | Money Market Accountneeds at least $150,000 | Up to1.11% |
| Atlantic Union Bank | Money Market Accountneeds at least $250,000 | Up to0.65% |
| Paramount Bank | Money Market Deposit | 0.50% |
| American Pride Bank | Patriot Plus Money Market | 0.45% |
| First Horizon Bank | Money Market Savingsneeds at least $50,000 | Up to0.15% |
| First Horizon Bank | TotalView Money Market Savingsneeds at least $50,000 · needs a linked account at the bank | Up to0.15% |
Nationally Available Money Market Accounts
The 8 highest-rate money market accounts available nationwide, including in North Carolina.
| Institution | Product / Term | APY |
|---|---|---|
| Bank5 Connect | Money Market Account | 4.00% |
| Climate First Bank | Impact Money Market | 3.96% |
| Prime Alliance Bank | Personal Money Market | 3.90% |
| Quontic Bank | Money Market Account | 3.90% |
| Customers Bank | Ascent Money Market Savings Account | 3.63% |
| Sallie Mae Bank | Money Market Account | 3.60% |
| FNBO Direct | Online Money Market Accountneeds at least $500,000 | Up to3.55% |
| U.S. Bank | Elite Money Marketbalances of $25,000 to $9,999,999,999.99 only | Up to3.40% |