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Earn 7.50% APY on your dollars in North Carolina

Start earning in North Carolina See all pools
Flat 4.25% income tax Withdraw anytime Min. deposit $10

$10,000 saved for one year in North Carolina

US national average bank savings rate
+$43
0.45% APY · after 4.25% state tax
Coinstancy
Dollar Savings (USDC)
+$718
7.50% APY · after 4.25% state tax

Illustrative example over one year at the current fixed APY (reinvested interest is already included in the APY), assuming both rates stay unchanged. Rates can change. State-level tax shown; federal taxes apply in all states. Not tax advice.

Savings pools available in North Carolina

USDC
Dollar Savings
USDC
7.50%
APY · USDC

Earn a fixed APY on USDC through on-chain strategies selected and monitored by Coinstancy.
ETH
Ethereum Savings
ETH
3.80%
APY · ETH

Generate yield on your ETH exposure through audited liquid staking and lending strategies.
BTC
Bitcoin Savings
BTC
0.90%
APY · BTC

Put your BTC exposure to work with lending-based yield strategies, while keeping your Bitcoin exposure.
SOL
Solana Savings
SOL
4.70%
APY · SOL

Earn yield on SOL through Solana-native liquid staking and selected DeFi protocols.

Why North Carolina savers choose Coinstancy

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Flat 4.25% income tax

North Carolina has a flat 4.25% income tax, scheduled to keep falling.

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Licensed on-ramp in North Carolina

USD deposits and withdrawals are processed by Coinme, licensed under the North Carolina Commissioner of Banks. Coinme handles the on-ramp and off-ramp only; Savings and its yield are managed by Coinstancy.

NC

Built for the Tar Heel State

Charlotte is the second-largest banking center in the US. North Carolinians expect their dollars to work.

Serving all of North Carolina

CharlotteRaleighGreensboroDurhamWinston-Salem

North Carolina FAQ

Is Coinstancy available in North Carolina?
Yes. North Carolina residents can open a Coinstancy account today. Deposits in US dollars are handled by our on-ramp partner Coinme, which is licensed in 48 US states including North Carolina.
How much can I earn on my savings in North Carolina?
Our Dollar Savings pool currently pays 7.50% APY on USDC, versus a national average of about 0.45% for traditional savings accounts. The APY shown is the fixed rate currently in force. It may be revised as market conditions evolve; a new rate applies to existing balances as well as new deposits.
How is yield taxed in North Carolina?
North Carolina has a flat 4.25% income tax, scheduled to keep falling. Yield is generally treated as ordinary income at the federal level. Consult a tax professional for your situation.
Who regulates crypto and money transmission in North Carolina?
Money transmission in North Carolina is overseen by the North Carolina Commissioner of Banks (NCCOB). Our on-ramp partner Coinme holds the required state licenses for USD deposits and withdrawals; it does not manage Savings or its yield. Your USDC first enters a secure multisignature wallet operated by Coinstancy before being deployed into the selected on-chain strategies.
Can I withdraw to my North Carolina bank account?
Yes. You can withdraw USD to any US bank account, or cash out at thousands of Coinme locations across North Carolina, including in Charlotte, Raleigh, Greensboro. You can request a withdrawal at any time. Complete requests are normally settled within 48 calendar hours; final network confirmation may take longer.
What is the minimum deposit?
You can start with as little as $10. There are no lock-ups and no withdrawal penalties.

Coinstancy near North Carolina

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