15 top-rated FDIC-insured savings accounts available to Winston-Salem, NC residents. Top APY: 4.09%. Online accounts — no local branch required.
4.09% APY. No monthly fee. FDIC insured.
4.03% APY. $100 to open. No monthly fee.
4.02% APY. No minimum to open.
4.00% APY. No monthly fee. FDIC insured.
4.00% APY. $100 to open.
3.90% APY. Yield Pledge program.
3.75%+ APY. $100 minimum to earn APY.
3.70% APY. No minimum. No monthly fee.
3.65% APY. No fees. No minimum.
3.50% APY. No fees. 24/7 customer service.
3.50% APY. No minimum. No monthly fee.
3.30% APY. No fees. Trusted brand.
3.30% APY. No fees. No minimum.
3.30% APY with direct deposit. No account fees.
3.20% APY. No minimum. No monthly fee.
Openbank High Yield Savings is among the top-rated high-yield savings accounts available in Winston-Salem, NC with an APY of 4.09%. All accounts listed are FDIC-insured and available to Winston-Salem, NC residents regardless of local bank branches.
No — most high-yield savings accounts are offered by online banks with no physical branches. They are federally insured (FDIC) and open to residents of Winston-Salem, NC just like any other state. Online accounts typically offer significantly higher APYs than traditional local banks.
With a high-yield savings account at 4.09% APY, $10,000 earns roughly $409 per year. Interest is taxable at the federal level and at the NC state income tax rate.
Rates change frequently · FDIC insured up to $250K · APY as of Q1 2026 · Availability may vary