Best Banks & Credit Unions in Charlotte, North Carolina

Banks and credit unions serving Charlotte, North Carolina. Compare up to 3.90% APY, fees, minimums and membership rules, dated when we read them.

This page covers banks, credit unions, and local branches available to residents of Charlotte, North Carolina. All rankings inherit from the North Carolina state directory — every institution listed is licensed to serve Charlotte residents and is either headquartered in North Carolina or operates branches in the metro.

Top options in Charlotte

• Local Government Federal Credit Union — 3.90% APY. Exclusively serves North Carolina local government workers with competitive yields.
• Coastal Federal Credit Union — 3.90% APY. Triangle-area credit union offering top CD specials and digital banking.
• First Bank (NC) — 3.80% APY. North Carolina community bank with broad branch coverage and relationship accounts.
• State Employees' Credit Union — 3.75% APY. 12-month Share Term Certificate: $250 minimum opening deposit; STC rates as of 9/1/26 per the page; a Special 15-month STC at 4.15% APY is also listed. Read Sep 7, 2026 on ncsecu.org.
• Langley Federal Credit Union — 3.70% APY. 12 Month Certificate: $500 minimum to open; read on langleyfcu.org/deposits-certificate; an 11-month 4.00% APY promotional certificate requires new money (rate effective July 08, 2026). Read Sep 7, 2026 on langleyfcu.org.
• Navy Federal Credit Union — 3.70% APY. 12-month Standard Certificate: $1,000 minimum deposit ($1K tier); 'Rates as of Sep 07, 2026 ET' per the page. Read Sep 7, 2026 on navyfederal.org. Rates as of 2026-09-07 per the page.

Banks with more than one branch in Charlotte

Each opens every one of that bank's offices in Charlotte, with the address of each and what it holds.

• Wells Fargo Bank, National Association in Charlotte — 29 branches
• Fifth Third Bank, National Association in Charlotte — 25 branches
• Truist Bank in Charlotte — 23 branches
• Bank of America, National Association in Charlotte — 22 branches
• JPMorgan Chase Bank, National Association in Charlotte — 17 branches
• First-Citizens Bank & Trust Company in Charlotte — 15 branches

Other North Carolina cities

• Banks in Raleigh
• Banks in Greensboro
• Banks in Durham
• Banks in Winston-Salem
• Banks in Fayetteville
• Banks in Cary
• Banks in Wilmington
• Banks in High Point

See the full North Carolina banks directory for every institution we've verified in the state, plus the underlying methodology.