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 equal to or greater than $100
• Overdraft Transfer Service, online BillPay service, 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.