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
rules and regulations of State Employees´ Credit Union (SECU). Members may apply
for deposit products via Press Pass, our 24/7 Member Services or a local SECU
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
Debits from Share accounts are subject to limitations as defined in Regulation D
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
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However, if $500 cash is withdrawn, only $3,500 is available for purchases that day. 4A $2.00 fee is charged if the balance falls below $250 at any time. 5Early withdrawal penalties apply. 6Members can only perform inquires or make transfers to the account through the ATM, Press for Info and Press Pass.
Early withdrawals must be processed through one of our local branches or through our 24/7 Member Services and must be for the entire amount
of the account. No further deposits to the Holiday Cash account will be allowed until November 2nd.
*Quoted rates, dividends, annual percentage yields (APY) and annual percentage rates (APR) are subject to change daily at the discretion of the Board of Directors.