Deposit Rates

NCCU Share Savings, Club, and Certificate Rates

EFFECTIVE – October 5, 2017
Rates are subject to change without notice. Subject to penalty for early withdrawal.

Share Savings, Share Draft, and Club Accounts
Account TypeDividends compoundedMinimum Amount to Receive DividendsDividend RateAPY*
Share Savings (21 and over)Monthly$100.000.05%0.05%
Share Savings (Under 21)Monthly$5.000.05%0.05%
Open Club (21 and over)Monthly$100.000.05%0.05%
Open Club (Under 21)Monthly$5.000.05%0.05%
Christmas Club**MonthlyNot Applicable0.25%0.25%
Tax & Insurance ClubMonthly$100.000.05%0.05%
IRA Club SavingsMonthlyNot Applicable0.10%0.10%
Kangaroo Kids Club
Junior Savers
Teen Cents Club
Monthly$5.000.05%0.05%
Basic Checking (Share Draft)N/ANot ApplicableN/AN/A
Preferred Checking (Share Draft)Monthly$1,000.000.07%0.07%
Preferred Plus Checking (Share Draft)Monthly$2,500.000.07%0.07%
***Premier Checking (Share Draft)Monthly$5,000.000.07%0.07%
***Premier Share Savings(Must open a Premier Checking and maintain a minimum average balance of $5000.00 to receive rate)Monthly<$5,000.000.05%0.05%
$5,000.00 - $10,000.000.06%0.06%
>$10,000.000.07%0.07%
***Premier IRA Club Savings(Must open a Premier Checking and maintain a minimum average balance of $5,000.00 to receive this rate)Monthly<$25,000.000.07%0.07%
$25,000.00 -$50,000.000.15%0.15%
$50,000.00 -$75,000.000.20%0.20%
$75,000.00 - $100,000.000.20%0.20%
>$100,000.000.20%0.20%

Dividends Compounded Semi-Annually Subject to penalty for early withdrawal

Share Certificate Rates
TermRequired DepositDividend RateAPY*Dividend Rate with Premier Account***APY* with Premier Account***
6 Month$2,000.00 to $9,999 0.15%0.15%0.20%0.20%
$10,000 to $49,9990.20%0.20%0.25%0.25%
$50,000 and up0.25%0.25%0.30%0.30%
12 Month$2,000.00 to $9,9990.20%0.20%0.25%0.25%
$10,000 to $49,9990.25%0.25%0.30%0.30%
$50,000 and up0.30%0.30%0.35%0.35%
18 Month$2,000.00 to $9,9990.30%0.30%0.35%0.35%
$10,000 to $49,9990.35%0.35%0.40%0.40%
$50,000 and up0.40%0.40%0.45%0.45%
24 Month OR 36 Month$2,000.00 to $9,9990.35%0.35%0.40%0.40%
$10,000 to $49,9990.40%0.40%0.45%0.45%
$50,000 and up0.45%0.45%0.50%0.50%
Share Certificate Special
TermRequired DepositDividend RateAPY*
6 MonthTeen Cents Club
Junior Savers
Kangaroo Kids Club
Minimum $100.00 Maximum $1000.00 (Aggregate)
.50%.50%

* Annual Percentage Yield   ** Funds Available on first business day in 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.  Share Certificate Dividend rates are for new, non-promotional certificates only.

Member must have a share account with a minimum amount of $5.00 to be eligible for a certificate. A minimum balance of $100.00 is required to receive the advertised APY.
Must be a Kangaroo Kids Club, Junior Savers, or Teen Cents Member to be eligible for the KKC/JS/TC Share Certificate Special.