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Loan Rates (click here)
NCCU Share Savings, Club, and Certificate Rates
EFFECTIVE - January 31, 2012
Rates are subject to change without notice. Subject to penalty for early withdrawal.
Share Savings, Share Draft, and Club Accounts
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Account Type
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Dividends compounded
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Minimum Amount to Receive Dividends
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Dividend Rate
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APY*
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Share Savings (21 and over)
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Monthly
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$100.00
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.50%
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.50%
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Share Savings (Under 21)
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Monthly
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$5.00
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Open Club (21 and over)
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Monthly
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$100.00
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.50%
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.50%
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Open Club (Under 21)
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Monthly
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$5.00
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Christmas Club**
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Monthly
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Not Applicable
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.75%
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.75%
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Tax & Insurance Club
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Monthly
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$100.00
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.50%
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.50%
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IRA Club Savings
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Monthly
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Not Applicable
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1.10%
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1.11%
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Kangaroo Kids Club/Teen Cents Club
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Monthly
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$5.00
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.50%
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.50%
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Basic Checking (Share Draft)
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N/A
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Not Applicable
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N/A
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N/A
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Preferred Checking (Share Draft)
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Monthly
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$1,000.00
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.50%
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.50%
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Preferred Plus Checking (Share Draft)
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Monthly
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$2,500.00
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.65%
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.65%
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***Premier Checking (Share Draft)
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Monthly
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$5,000.00
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1.00%
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1.00%
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***Premier Share Savings
(Must open a Premier Checking and maintain a minimum average balance of $5000.00 to receive rate)
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Monthly
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<$5,000.00
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.50%
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.50%
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$5,000.00 - $10,000.00
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.85%
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.85%
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>$10,000.00
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1.05%
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1.06%
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***Premier IRA Club Savings
(Must open a Premier Checking and maintain a minimum average balance of $5,000.00 to receive this rate)
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Monthly
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<$25,000.00
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1.15%
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1.16%
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$25,000.00 -$50,000.00
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1.20%
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1.21%
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$50,000.00 -$75,000.00
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1.25%
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1.26%
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$75,000.00 - $100,000.00
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1.30%
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1.31%
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>$100,000.00
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1.35%
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1.36%
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* Annual Percentage Yield ** Funds Available on the 1st business day of October
*** Premier Account Rates - Personal Accounts Only - Minimum of $5000.00 must be maintained in your Premier Checking account to receive Premier Checking, Savings, IRA, And Share Certificate Rates
Fees could reduce the earnings on the account.
Share Certificate Rates
Dividends Compounded Semi-Annually Subject to penalty for early withdrawal
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Term
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Required
Deposit
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Dividend
Rate
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APY*
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Dividend Rate with Premier Account***
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APY* with Premier Account***
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6 Month
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$2,000.00 to $9,999
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0.70%
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0.70%
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0.90%
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0.90%
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$10,000 to $49,999
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0.80%
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0.80%
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1.00%
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1.00%
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$50,000 and up
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0.85%
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0.85%
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1.05%
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1.05%
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12 Month
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$2,000.00 to $9,999
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0.85%
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0.85%
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1.05%
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1.05%
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$10,000 to $49,999
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0.95%
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0.95%
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1.15%
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1.15%
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$50,000 and up
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1.00%
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1.00%
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1.20%
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1.20%
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18 Month, 24 Month or 36 Month
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$2,000.00 to $9,999
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0.95%
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0.95%
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1.15%
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1.15%
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$10,000 to $49,999
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1.05%
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1.05%
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1.25%
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1.25%
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$50,000 and up
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1.10%
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1.10%
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1.30%
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1.30%
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Share Certificate Special
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Term
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Required
Deposit
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Dividend
Rate
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APY*
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6 Month
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Teen Cents Club
Kangaroo Kids Club
Limit Aggregate Amount of $1000.00
Certificates of $100.00 or more
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1.35%
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1.35%
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*Annual Percentage Yield.
This Credit Union is federally insured by the National Credit Union Administration.
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