Money Market Account

Your savings should be working as hard as you are.

Easy access, clear terms, and a rate worth earning. That's what a Money Market Account from Carter Bank is built to do.

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A better way to grow your savings.

A Money Market Account (MMA) gives your money a place to grow without locking it away. Whether you're building an emergency fund or saving toward something specific, it's a smarter, simpler way to get there.

Put your balance to work
A competitive tiered rate means the more you save, the harder your money works
Access your funds anytime
Your money stays within reach. No hoops, no waiting, just funds available when you need them
A neighbor in your corner
More than 60 locations across NC and VA, with local bankers who know your name and your goals

You've got goals. We've got a plan for that.

The right account starts with the right conversation. Connect with one of our local and friendly associates to  start building a savings plan around your goals.

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Clear Rates, Right Up Front.

See Today's Money Market Rates for our Premium Money Market Account

View All Tiers and Rates
Premium Money Market Account
$2,500.00 - $24,999.99
0.26%
APY1
Premium Money Market Account
$25,000.00 - $49,999.99
1.67%
APY1
Premium Money Market Account
$50,000.00 - $99,999.99
1.77%
APY1

¹ APY = Annual Percentage Yield. $100 is required to open and $2,500 to earn APY. Tier 2: An interest rate of 0.26% will be paid on your daily balance that is between $2,500 and $24,999.99. The annual percentage yield for this tier is 0.26%. Tier 3: An interest rate of 1.66% will be paid on your daily balance that is between $25,000 and $49,999.99. The annual percentage yield for this tier is 1.67%. Tier 4: An interest rate of 1.75% will be paid on your daily balance that is between $50,000 and $99,999.99. The annual percentage yield for this tier is 1.77%. Tier 5: An interest rate of 1.99% will be paid on your daily balance that is between $100,000 and $499,999.99. The annual percentage yield for this tier is 2.01%. Tier 6: An interest rate of 2.09% will be paid on your daily balance that is between $500,000 and $999,999.99. The annual percentage yield for this tier is 2.11%. Tier 7: An interest rate of 2.52% will be paid on your daily balance that is between $1,000,000 and above. The annual percentage yield for this tier is 2.55%. Rate is effective as of 06/05/2026. Compounded daily, credited monthly. Fees may reduce earnings. Rate may change after account opening.