Deposit Rates

NCCU Share Savings, Club, and Certificate Rates

EFFECTIVE – September 3, 2019
Rates are subject to change without notice.

*APY – 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 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
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%
***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%

Dividends Compounded Semi-Annually
Subject to penalty for early withdrawal
Fees may reduce earnings on the account.
*APY – Annual Percentage Yield
Must be a Kangaroo Kids Club, Junior Savers, or Teen Cents Member to be eligible for the Share Certificate Special for Youth Accounts.

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 Youth Accounts
TermRequired DepositDividend RateAPY*
6 MonthTeen Cents Club
Junior Savers
Kangaroo Kids Club
Minimum $100.00 Maximum $1000.00 (Aggregate)


For deposit accounts, you must be a member with a share savings account with a minimum balance of $5.00.