Best Banks & Credit Unions in Winston Salem, North Carolina

Banks and credit unions serving Winston Salem, 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 Winston-Salem, North Carolina. All rankings inherit from the North Carolina state directory — every institution listed is licensed to serve Winston-Salem residents and is either headquartered in North Carolina or operates branches in the metro.

Top options in Winston-Salem

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 Winston-Salem

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

Truist Bank in Winston Salem — 8 branches

Other North Carolina cities

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