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

Loan Rates*
Used Vehicle APR
5-Year ARM / APR
Visa® Credit Card APR

Deposit Products


All NCPAFCU deposit products are accessible via branch, ATM, our 24/7 Member Services, Press For Info and Press Pass. Deposit products are subject to the Account Disclosures. Members may apply for deposit products via Press Pass, our 24/7 Member Services or a local SECU branch.

Savings (Share) Account
  • Establishes NCPAFCU membership
  • Required $25 opening deposit/minimum balance1
  • Dividends compounded daily and paid monthly
  • May be used as collateral for personal loans
  • No checks can be written and no automated clearing house (ACH) debits are allowed on share accounts

Checking (Share Draft) Account
  • Required $100 opening deposit
  • Minimum balance of $0.00
  • $1.00 monthly maintenance fee
  • Dividends compounded daily and paid monthly on balance greater than $0
  • Overdraft transfer service, online BillPay and debit cards available

CashPoints® Global (CPG)
  • Each owner of a CPG account can be issued a CPG card2
  • Unlimited number of authorized users
  • Monthly statement can be paper or e-statement
  • $4,000 daily purchase limit3
  • $500 maximum daily cash withdrawal limit
  • Accessible via ATM, Press For Info, Press Pass, all SECU branches and our 24/7 Member Services
  • Accessible online through your CPG card or other traditional debit/access cards owned by the same member
  • CPG can be used for wire transfers, a funding account for loan advances, a deposit account for tax refunds, a distribution account for Share Term Certificates or as a Holiday Cash Account
  • $1 monthly maintenance fee
  • Review the CashPoints® Global page for complete details.
  • No checks can be written and no automated clearing house (ACH) debits are allowed on CPG accounts

Money Market Share Account
  • Required $250 opening deposit/minimum balance4
  • Dividends compounded daily and paid monthly
  • No maturity restrictions
  • No checks can be written and no automated clearing house (ACH) debits are allowed on money market share accounts

Share Term Certificate (STC)
  • Required $250 opening deposit/minimum balance
  • Available terms of 6, 12, 18, 24, 30 or 36 months5
  • Fixed interest rate for the life of the certificate
  • Interest accrued daily, but not compounded
  • May be used as collateral for NCPAFCU loans

Holiday Cash Club Account
  • No minimum deposit required to open
  • Dividends compounded daily, paid monthly
  • Payroll Deduction or Funds Transfer available
  • No service charges

Coverdell Education Savings Account (CESA)
  • $25 minimum opening deposit
  • Established in the name of the designated beneficiary, an NCPAFCU member under the age of 18 or with special needs
  • Can be established by parents, grandparents, or other interested individuals
  • Contributions made with after-tax dollars
  • Earnings grow tax-deferred
  • Tax-free withdrawals to pay qualified education expenses

Individual Retirement Account (IRA)
  • Traditional and Roth accounts available
  • Required $25 minimum opening deposit / minimum balance
  • Dividends compounded daily and paid monthly

Health Savings Account (HSA)
  • No minimum balance required to open
  • Dividends compounded daily and paid monthly
  • Special HSA debit card for purchases and ATM usage
  • Accessible via ATM, Press For Info, Press Pass, all SECU branch locations and our 24/7 Member Services
  • Review the Health Savings Account page for complete details.


1A $1.00 fee is charged if the balance falls below the required minimum at any time.
2Replacement card fee for a lost or stolen card is $8.00.
3The daily purchase limit is $4,000, including a maximum cash withdrawal limit of $500 per day. However, if $500 cash is withdrawn, only $3,500 is available for purchases that day.
4A $2.00 fee is charged if the balance falls below $250 at any time.
5Early withdrawal penalties apply.