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Deposit Rates*
Checking / APY
Share / APY
Money Market / APY
Health Savings / APY

Loan Rates as low as*
Used Auto APR
5-Year ARM / APR
Visa® Credit Card APR

Rates & Fees

Share and Deposit Account Rates

View or download the Share & Deposit Account Rate Summary.

Checking Accounts1
APYs accurate as of 5/12/2021
Account Type Minimum Opening Deposit Dividend Rate2 APY
Checking3 $100 0.15% 0.15%
Zard Checking $0 0.15% 0.15%

Share Accounts1
APYs accurate as of 5/05/2023
Account Type Minimum Opening Deposit Dividend Rate2 APY
Share $25 0.25% 0.25%
Zard Share $25 0.25% 0.25%
FAT CAT Share $5 0.25% 0.25%
Holiday Cash Club $0 0.25% 0.25%
Money Market Share4 $250 1.00% 1.01%

Share Term Certificates (STC)5
APYs accurate as of 5/05/2023
Account Type Minimum Opening Deposit Dividend Rate2 APY
6 Months $250 3.25% 3.25%
12 Months $250 3.50% 3.50%
18 Months $250 3.75% 3.75%
24 Months $250 4.00% 4.00%
30 Months $250 3.00% 3.00%
36 Months $250 3.20% 3.20%

Tax-Advantaged Accounts1
APYs accurate as of 5/05/2023
Account Type Minimum Opening Deposit Dividend Rate2 APY
IRA (Traditional and Roth) $25 2.00% 2.02%
Coverdell Education Savings (CESA) $25 2.00% 2.02%
Health Savings Account (HSA) $0 2.00% 2.02%

Lending Rates

Mortgage Loans
Effective Date: 9/01/2023
Loan Type LTV Term Initial Rate APR6
5-Year ARM 80% or less 30 Years 6.625% 6.114%7
5-Year ARM 80.1% - 90% 30 Years 6.825% 6.502%7
5-Year ARM 90.1% - 100% 30 Years 7.025% 6.886%7
10-Year Fixed Rate 90% or less 10 Years 6.175% 6.396%
10-Year Fixed Rate 90.1% - 100% 10 Years 6.375% 6.597%
15-Year Fixed Rate 90% or less 15 Years 6.375% 6.533%
15-Year Fixed Rate 90.1% - 100% 15 Years 6.675% 6.834%
20-Year Fixed Rate 90% or less 20 Years 6.950% 7.079%
20-Year Fixed Rate 90.1% - 100% 20 Years 7.500% 7.632%
30-Year Fixed Rate 90% or less 30 Years 7.250% 7.351%
ARM = Adjustable Rate Mortgage
LTV = Loan-to-value

Auto Loans
Effective Date: 7/01/2023
Loan Type Term APR as low as24
New Auto 36 Months 5.50%
New Auto 60 Months 6.00%
New Auto 72 Months 6.25%
Used Auto 72 Months 6.75%

Personal Loans
Effective Date: 3/13/2021
Loan Type Term APR24
Share Secured 24 months 4.50%
Share Secured 48 months 4.75%
Share Secured Term Note 6 months 4.00%
STC Term Note Remaining term of STC STC rate + 2%8
Closed-End Signature 60 months 10.75%

Lines of Credit
Effective Date: 7/21/2023
Loan Type APR24
Credit Card 13.00%9
Open-End Signature 10.75%


Effective Date: 10/21/2022

Account Maintenance
Account maintenance fees are charged per statement period. Some accounts can avoid fees if the required minimum balance is maintained as specified.
Type Amount
Checking $1
Zard Checking $1
CashPoints® Global (CPG) $1
Share10 $1
Zard Share10 $1
FAT CAT Share $0
Holiday Cash Club $0
Money Market Share11 $2
IRA (Traditional and Roth)10 $1
Coverdell Education Savings (CESA)10 $1
Health Savings Account (HSA) $0

Account Services
Type Amount
Check/Item Processing12 $0.20
NSF (Non-Sufficient Funds) $20 per item returned
Overdraft Transfer Service13 $0.50 per transfer
Cashier’s Check Purchase14 $1 per check
Check/Statement Copy Request Up to $1 per item
Notary Service15 $0
Returned Item $12
Verification of Deposit (VOD) Request $10
Retro/Historical VOD Request $20

Type Amount
CashPoints® ATM Transactions16 $0
PLUS® Network Completed Transactions $0.75
PLUS® Network Denied Transactions $0.35
Balance Inquiry17 Varies

Credit Card
Type Amount
Annual Fee $0
Balance Transfer $0
Cash Advance9 $0
ATM Transaction18 $0.75
International Transaction19 1% of US dollar amount
Late Payment Up to $20
Returned Payment Up to $20
Lost Card Replacement $8
Over Limit $0
Card Reissue $0
Rush Delivery of Card/PIN20 $15

Debit Card
Type Amount
Lost Card Replacement $8
International Transaction19 1% of US dollar amount
Card Reissue $3
Rush Delivery of Card/PIN20 $15

Gift Card
Type Amount
In-Branch Purchase $2
Online Purchase $3.50
Inactivity21 $1
Lost Card Replacement $8
Expired Card Replacement $0

First Mortgage
Type Amount
Late Payment 4% of principal and interest

Safe Deposit Box
Type Amount
Annual Rent Varies with box size
Lost Key22 $18
Box Drilling $145
Late Rental Payment23 $12

Wire Transfer
Type Amount
Incoming Transfer $0
Outgoing Domestic Transfer $10
Outgoing International Transfer $25

Please review the Account Disclosures for more information.

1 APY = Annual Percentage Yield. Dividend rates and APYs for Checking, Share and Tax-Advantaged accounts are variable and subject to change daily at the discretion of the Board of Directors.
2 For dividend-bearing accounts (excluding Checking, Money Market Share and STC), dividends accrue when the account balance is greater than zero. Fees may reduce the earnings on the account.
3 Dividends accrue when the account balance is at least $100.
4 Dividends accrue when the account balance is at least $250.
5 APY = Annual Percentage Yield. Dividend rates and APYs are fixed for the term of the certificate. Rates, minimum deposit requirements and maturity dates for new accounts are subject to change daily at the discretion of the Board of Directors. Fees, penalties for early withdrawal and other conditions may reduce earnings on account. The minimum balance to earn dividends is $250.
6 APR is based on a loan amount of $150,000 for the maximum term allowed for each program.
7 Rate cannot change by more than 2% every 5 years or 6% over the life of the loan. Future interest rate changes will be determined based on the 5-year Constant Maturity Treasury (CMT) yield.
8 Rate rounded up to the nearest 0.25%.
9 Annual Percentage Rate (APR) for Purchases and Balance Transfers as of 7/21/2023 is 13.00%. The rate is variable and subject to change. The APR for Cash Advances is fixed at 18.00%. Interest begins to accrue on purchases and balance transfers after the expiration of the grace period if the entire balance is not paid in full. Interest begins to accrue on cash advances at the time of transfer.
10 No fee if the account has a minimum balance of $25 on the statement date.
11 No fee if the account maintains a minimum balance of $250.
12 Per item service fee incurred for each check or teller cashed item processed in excess of 50 each statement period.
13 Funds are transferred in whole dollar amounts, first from the primary protecting account and then the secondary protecting account (if designated). If funds in the primary account are insufficient to cover an item, an additional transfer is made from the secondary account (if funds are available). Your Checking account incurs a $0.50 fee per transfer.
14 Fee waived for checks of $500 or more.
15 Service provided for members only.
16 All transactions performed by using NCPAFCU-issued debit cards at CashPoints ATMs are fee-free. Withdrawals using certain non-NCPAFCU cards are assessed a $2 surcharge fee.
17 When you use a non-CashPoints ATM, the ATM operator may charge a fee for a balance inquiry even if you do not complete a transaction.
18 For each transaction at a CashPoints, Visa® or PLUS ATM.
19 Includes phone and internet transactions conducted in US dollars with a foreign merchant. 1% fee charged against US dollar amount of transaction. See your cardholder agreement for more information on how this fee is calculated and when it is charged.
20 Members can also call PIN Now at (888) 886-0083 to update their PIN.
21 After 12 consecutive months of inactivity, $1 will be deducted monthly from the Card balance until the Card is used again or no more funds are available on the Card.
22 Members receive two keys for each box. If both keys are lost, the box must be drilled and a box drilling fee is charged.
23 Fee charged if rent is not collected within 60 days of due date.
24 APR = Annual Percentage Rate. APR is your cost over the loan term expressed as a rate. Rates are subject to change without notice prior to the completion of the loan. Your actual APR will be determined at the time of disbursement and may vary based on credit score, collateral, and loan terms. If you qualify, we can give you a quote for the current rate and most loan documents can be signed electronically.