Deposit Rates

Product Notes:
PRODUCTS
CDs, Specials, and CD IRAs
Checking and Money Market
Savings and Health Savings
Money Market IRAs


These rates are for customers in our market area. Rates are subject to change without notice on website. Please contact Carolina Bank for most current rates and questions. Rates updated 4/23/10.

*APY=Annual Percentage Yield

Subproducts:

Wall Street Journal Prime
APY *: 
Interest Rate: 3.25%
Notes: 

Carolina Bank Prime
APY *: 
Interest Rate: 4.50%
Notes: 



Subproducts:

10 Month Special
APY *: 1.42%
Interest Rate: 1.41%
Notes: $10,000 minimum

21 Month Special
APY *: 1.86%
Interest Rate: 1.84%
Notes: $10,000 minimum

55 Month Special
APY *: 3.01%
Interest Rate: 2.97%
Notes: $10,000 minimum

7-29 Day
APY *: 0.30%
Interest Rate: 0.030%
Notes: $500 Minimum

30-59 Day
APY *: 0.35%
Interest Rate: 0.35%
Notes: $500 Minimum

60-89 Day
APY *: 0.45%
Interest Rate: 0.45%
Notes: $500 Minimum

90-179 Day
APY *: 0.52%
Interest Rate: 0.52%
Notes: $500 Minimum

6-11 Months
APY *: 0.62%
Interest Rate: 0.62%
Notes: $500 Minimum

12-17 Months
APY *: 0.82%
Interest Rate: 0.82%
Notes: $500 Minimum

18-23 Months
APY *: 0.97%
Interest Rate: 0.97%
Notes: $500 Minimum

24-35 Months
APY *: 1.22%
Interest Rate: 1.21%
Notes: $500 Minimum

36-47 Months
APY *: 1.56%
Interest Rate: 1.55%
Notes: $500 Minimum

48-59 Months
APY *: 1.92%
Interest Rate: 1.90%
Notes: $500 Minimum

60 Months
APY *: 2.03%
Interest Rate: 2.01%
Notes: $500 Minimum

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Subproducts:

Carolina Premier Checking
APY *: 0.05%
Interest Rate: 0.05%
Notes: 

Platinum Checking
APY *: 0.05%
Interest Rate: 0.05%
Notes: 

Non-Profit Checking
APY *: 0.25%
Interest Rate: 0.25%
Notes: 

SmartBanker Checking
APY *: 0.05%
Interest Rate: 0.05%
Notes: Balance $2,000 to $9,999.99. Lowest balance in cycle determines monthly rate.

SmartBanker Checking
APY *: 1.01%
Interest Rate: 1.00%
Notes: Balance $10,000 and over. Lowest balance in cycle determines monthly rate.

SmartBanker Plus Money Market
APY *: 0.05%
Interest Rate: 0.05%
Notes: Balance $0 to $9,999.99

SmartBanker Plus Money Market
APY *: 0.10%
Interest Rate: 0.10%
Notes: Balance $10,000 to $24,999.99

SmartBanker Plus Money Market
APY *: 1.20%
Interest Rate: 1.19%
Notes: Balance 25,000 and over.

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Subproducts:

SmartSavings
APY *: 0.15%
Interest Rate: 0.15%
Notes: $0-$49,9999.99 balance.
$50,000 required to open.

SmartSavings
APY *: 1.51%
Interest Rate: 1.50%
Notes: $50,000 & over balance.

Regular Savings
APY *: 0.10%
Interest Rate: 0.10
Notes: 

SmartBanker Health Savings Account (HSA)
APY *: 0.05%
Interest Rate: 0.05%
Notes: $2,0000-$9,999.99 balance.

SmartBanker Health Savings Account (HSA)
APY *: 1.01%
Interest Rate: 1.00%
Notes: $10,000 and over balance.

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Product Notes: Traditional and Roth

Subproducts:

SmartBanker MoneyMarket IRA Traditional or Roth
APY *: 0.45%
Interest Rate: 0.45%
Notes: Balance $0-$9,999.99

SmartBanker MoneyMarket IRA Traditional or Roth
APY *: 1.31%
Interest Rate: 1.30%
Notes: Balance $10,000 and over.

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