Uwharrie Bank


Uwharrie Bank exists for the same reasons that any bank exists. We’re here to protect the assets of our customers, to help people and businesses secure financing and to support our shareholders.

But our story is about so much more than just money. We’re more than a collection of services and accounts. We’re people. We’re conversations. We’re ears to listen and hearts full of helpful advice. We believe that by doing our jobs just a little bit better, we can make a big difference in your everyday life.

We’re guided by a clear vision of what we believe a bank should be. We’re carrying out our mission despite the fact that it’s not as easy as taking shortcuts. So we at Uwharrie Bank are making a difference by putting community ahead of profit, inspiring change to make the world around us better.

HSA Program Features

FDIC or NCUA Insured:
Min Balance to Open:
  • Debit Card
  • Online Banking

HSA Interest Rates

Interest rates for various balance tiers
$0.01 - $499.99 0.05% APY
$500.00 - $2,499.99 0.05% APY
$2,500.00 - $4,999.99 0.05% APY
$5,000.00 - $14,999.99 0.10% APY
$15,000.00+ 0.10% APY
Last checked on: 09-28-2023. Rates may not be current, please check the provider's website for the latest rates.


Monthly Maintenance Fee $2.25*
Account Opening Fee Unknown
Account Closing Fee Unknown

* Waived for balances over $3,000

HSA Investment Options

Mutual Fund Platform: close   Self-Directed Brokerage: close   CDs: close   Other: close

Contact Information

General Information

Address 167 North 2nd Street
Albemarle, NC 28001

Customer Service

Mailing Address Uwharrie Bank
PO Box 338
Albemarle, NC 28002
Phone Number 800-438-6864