Uwharrie Bank

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.uwharrie.com

704-983-6181

167 North Second Street
Albemarle, NC 28001

Uwharrie Bank is headquartered in ALBEMARLE and is the 15^th largest bank in the state of North Carolina. It is also the 909^th largest bank in the nation. It was established in 1984 and as of March of 2025, it had grown to 179 employees at 10 locations. Uwharrie Bank has an A health rating.

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Health

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	24919
Year Established	1984
Employees	179
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	1%
Return on Equity - YTD	13.54%
Annual Interest Income	$13.8MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$1.16B$1.09B
Loans	Q1 2025vs Q1 2024	$663.4MM$613.6MM
Deposits	Q1 2025vs Q1 2024	$1.06B$1.01B
Equity Capital	Q1 2025vs Q1 2024	$86.9MM$74.5MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$6.1MM$5.5MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$271K$1.6MM
Real Estate Owned	Q1 2025vs Q1 2024	$106K$141K

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
Checking
CD

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Uwharrie Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%^*	$50k^*	-	High Rate Passbook Savings
OTHER TIERS: 0.35% → $0 - $20k \| 0.45% → $20k - $50k
0.50%^*	$50k^*	-	Commercial High Rate Savings
OTHER TIERS: 0.35% → $0 - $20k \| 0.45% → $20k - $50k
0.25%	$0	-	Statement Savings
0.25%	$0	-	Christmas Club Account
0.25%	$0	-	Youth and Student Savings
0.25%	$0	-	Commercial Statement Savings
0.10%^*	$5k^*	-	Health Savings Account
OTHER TIERS: 0.05% → $0 - $5k

Uwharrie Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.75%^*	$50k^*	-	Leadership Money Market
OTHER TIERS: 0.45% → $0 - $50k
0.75%^*	$50k^*	-	Business Market Investment Account
OTHER TIERS: 0.45% → $0 - $50k
0.25%	$0	-	Money Manager Savings

Uwharrie Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	$0	-	Leadership Checking

Uwharrie Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.00%	$10k	-	4 Month CD Special
4.00%	$10k	-	5 Month CD Special
4.00%	$10k	-	6 Month CD Special
4.00%	$10k	-	7 Month CD Special
4.00%	$10k	-	Business 4 Month CD Special
4.00%	$10k	-	Business 5 Month CD Special
4.00%	$10k	-	Business 6 Month CD Special
4.00%	$10k	-	Business 7 Month CD Special
3.75%	$10k	-	13 Month CD Special
3.75%	$10k	-	Business 13 Month CD Special

Locations

Cities: Albemarle, Charlotte, Concord, Locust, Mount Pleasant, Norwood, Oakboro, Wadesboro

Albemarle Branches
Bank Of Stanly	167 N 2nd St	Albemarle, NC 28001
Village Branch	710 North First Street	Albemarle, NC 28001
Albemarle Branch	800 Highway 24-27 Bypass	Albemarle, NC 28001

Charlotte Branches
Rea Road At Stonecrest Branch	5231 Piper Station Drive	Charlotte, NC 28277

Concord Branches
Cabarrus Bank & Trust Company Branch	25 Palaside Drive, N.E.	Concord, NC 28025

Locust Branches
West Stanly Branch	416 West Main Street, Po Box 715	Locust, NC 28097

Mount Pleasant Branches
Mount Pleasant Branch	1490 South Main Street	Mount Pleasant, NC 28124

Norwood Branches
Norwood Branch	107 South Main Street	Norwood, NC 28128

Oakboro Branches
Oakboro Branch	224 N Main St	Oakboro, NC 28129

Wadesboro Branches
Anson Bank & Trust Co. Branch	211 South Greene Street	Wadesboro, NC 28170

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