The Uwharrie Bank Base Rate represents the true cost of funds in our local communities. It is calculated monthly from Uwharrie Bank’s interest cost of funds on our deposits and investments.
See below for the current Base Rate along with how it has changed over time:
Current Base Rate:
November 2025
October 2025
September 2025
August 2025
July 2025
June 2025
May 2025
April 2025
March 2025
February 2025
January 2025
December 2024
6.38%
6.43%
6.41%
6.34%
6.35%
6.37%
6.41%
6.43%
6.46%
6.45%
6.51%
6.60%