Deposit Rates
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 effective beginning 10/15/13.

*APY=Annual Percentage Yield


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CDs, Specials, and CD IRAs

Name APY Rate Notes
10 Month Special 0.26% 0.26% $10,000 minimum
21 Month Special 0.42% 0.42% $10,000 minimum
55 Month Special 0.81% 0.81% $10,000 minimum
7-29 Day 0.10% 0.10% $500 Minimum
30-59 Day 0.11% 0.11% $500 Minimum
60-89 Day 0.14% 0.14% $500 Minimum
90-179 Day 0.17% 0.17% $500 Minimum
6-11 Months 0.22% 0.22% $500 Minimum
12-17 Months 0.32% 0.32% $500 Minimum
18-23 Months 0.37% 0.37% $500 Minimum
24-35 Months 0.42% 0.42% $500 Minimum
36-47 Months 0.47% 0.47% $500 Minimum
48-59 Months 0.57% 0.57% $500 Minimum
60 Months 0.67% 0.67% $500 Minimum

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Checking and Money Market

Name APY Rate Notes
Carolina Premier Checking 0.05% 0.05%
Platinum Checking 0.05% 0.05%
Non-Profit Checking 0.10% 0.10%
SmartBanker Checking 0.05% 0.05% Balance $2,000 to $9,999.99. Lowest balance in cycle determines monthly rate.
SmartBanker Checking 0.10% 0.10% Balance $10,000 and over. Lowest balance in cycle determines monthly rate.
SmartBanker Plus Money Market 0.05% 0.05% Balance $0 to $9,999.99
SmartBanker Plus Money Market 0.10% 0.10% Balance $10,000 to $24,999.99
SmartBanker Plus Money Market 0.17% 0.17% Balance 25,000 and over.

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Savings and Health Savings

Name APY Rate Notes
SmartSavings 0.05% 0.05% $0-$49,9999.99 balance.
$50,000 required to open.
SmartSavings 0.40% 0.40% $50,000 Minimum Opening *Guaranteed 10/4/13-1/2/14
Regular Savings 0.10% 0.10%
SmartBanker Health Savings Account (HSA) 0.05% 0.05% $2,0000-$9,999.99 balance.
SmartBanker Health Savings Account (HSA) 0.10% 0.10% $10,000 and over balance.

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Money Market IRAs Traditional and Roth

Name APY Rate Notes
SmartBanker MoneyMarket IRA Traditional or Roth 0.15% 0.15% Balance $0-$9,999.99
SmartBanker MoneyMarket IRA Traditional or Roth 0.17% 0.17% Balance $10,000 and over.

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