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Mortgage Rates

30-Yr. Conv. Fixed: 4.978% APR
20-Yr. Conv. Fixed: 4.890% APR
15-Yr. Conv. Fixed: 4.551% APR

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Personal Savings Accounts

Regular Savings

Designed for Traditional Savers

  • $100.00 deposit to open
  • No Maintenance Fee if the balance remains $100 or above
  • Two Free withdrawals permitted per month
  • Interest is compounded daily and paid at the end of the quarter
  • Statements are issued and mailed out quarterly
  • Transaction limitations apply

Christmas Club Accounts

Be prepared for Holiday Shopping

  • Deposits to this account are automatically drafted from your Carolina Bank Checking Account
  • Interest compounded daily and credited annually at maturity
  • Deposited directly into your Carolina Bank Checking Account at maturity
  • Begins each year in October

Carolina Easy Saver

Earn a CD Rate Without the Minimum

  • $100.00 deposit to open
  • At least a deposit of $25.00 per month that is automatically drafted from your Carolina Bank deposit account
  • Early withdrawal penalty will apply
  • Interest Rate is equivalent to the 12-month certificate of deposit rate
  • Interest is compounded daily and paid to the account at maturity

Certificates of Deposits (CDs)

We offer a wide range of terms on Certificates of Deposit allowing you to choose a guaranteed interest rate and terms to suit your investment needs. Special features of Carolina Bank CDs are:

  • Minimum deposit of only $1,000
  • Automatic renewal
  • The choice is yours for Monthly, Quarterly, Semi-annually, Annually or at Maturity interest payments
  • Choose the method for receiving interest payment – Deposited to a designated account or added back to your renewable CD at maturity
  • Deposits of $100,000 or more and some terms are negotiable with the approval of the President’s office

Individual Retirement Account (IRA)

A tax-deferred IRA or Individual Retirement Account can help you accumulate money for your retirement while giving an immediate tax deduction for most people. At Carolina Bank, you can open a variable rate IRA with a minimum deposit $1,000 and earn Money Market rates, or open a fixed rate IRA with an initial deposit of $1,000.

Carolina Bank has no control over information at any site hyperlinked to or from this Site. Carolina Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Carolina Bank of any information in any hyperlinked site. In no event shall Carolina Bank be responsible for your use of a hyperlinked site.

The following disclaimer is in regards to to our credit card webpages:

CONSUMER:

"The credit and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A Inc. and American Express. American Express is a federally registered service mark of American Express."

BUSINESS:

"The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc."

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