As a Premier Account Member you will need to maintain the “Premier Checking Account” (as stated below).   Your Premier membership allows you to take advantage of higher rates on a variety of products.

Premier Checking Account	Minimum Balances	Annual Percentage Yield APY*
$5,000 minimum average daily balance must be maintained at all times to hold the relationship pricing for all of the Premier products and to earn the disclosed APY. If balance falls below $5,000 minimum average daily balance for the month the account will be assessed a $25 monthly service fee along with a change of dividend rates on all related premier products.** Unlimited check writing privileges Dividends compound monthly Account closure fee - $50 (within 90 days of opening)	$5,000 Minimum Average Daily Balance	1.00%

Share Savings***	Minimum Balances	Annual Percentage Yield APY*
Minimum balance of $100 in Share savings plus the minimum balance in Premier Checking to earn disclosed APY.** Tiered Dividend Rates Dividends compound monthly	< $5,000	0.50%
	$5,000 - $10,000	0.85%
	> $10,000	1.06%

IRA***	Minimum Balances	Annual Percentage Yield APY*
Minimum balance in Premier Checking required to earn the disclosed APY.** Tiered Dividend Rates Dividends compound monthly	< $25,000	1.16%
	$25,000 - $50,000	1.21%
	$50,000 - $75,000	1.26%
	$75,000 - $100,000	1.31%
	>$100,000	1.36%

Premier Checking is limited to personal accounts only - no business or corporate accounts qualify.

*    Rates are accurate as of  January 31, 2012 and are subject to change at any time.  The APY assumes reinvestment of principal and dividends for a 12-month period.

** If the balance in your Premier Checking falls below the $5,000.00 minimum average daily balance for the month, in addition to the $25.00 monthly service fee, the dividend rates on the Premier Checking and all related Premier Products will also change. The Share Savings Account Premier Rates and IRA Premier Rates will default to the lowest rate paid on any share savings account or IRA offered by NCCU at the time of the rate change.  The lowest rate will remain in effect for all of the Premier products until the minimum balance requirement of Premier checking has been met for one full dividend period.  At that time all Premier products will revert back to the Premier APY. 

Fees could reduce the earnings on the account.

***  Accounts cannot be aggregated.         

Some restrictions may apply.  This credit union is federally insured by the National Credit Union Administration.

Added Benefits
(Subject to Change at any time)

- Add .20% to the dividend rate for any new non-promotional share Certificate of Deposit
- $250 credit towards closing costs associated with any NCCU mortgage loan closing with a 
   minimum advance of $10,000 new money.
- $ 50 credit towards processing fees and closing costs associated with the opening of any new
     NCCU Home Equity Line of Credit - HELOC

1.   One Free box of checks/year for the Premier Checking Account
2.   No Fee Official checks (limit one per month)
3.   Free Notary Service
4.   No Fee Traveler’s Checks – single signature (Limit of $1,000/yr)
5.   One Year Free Rental of a NCCU Safe Deposit Box (subject to Safe Deposit Box availability)
      Box Size is restricted to a 3”x 5” x 21” or a $20.00 credit towards a larger size box or existing
      A once per lifetime membership discount applies.
6.   Free Online Banking and MIA
7.   Free Debit Card

 Bonus benefits are available as long as the minimum average daily balance required for Premier Checking is maintained. If the average daily balance falls below $5,000, bonus benefits are revoked until the minimum balance requirement has been met for one full dividend period.  At that time all bonus benefits will be reinstated.  If the Premier Relationship is ended, all rates and accounts affected will drop to the basic rates.