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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

Personal Lending


Share Secured Fixed Installment
  • Maximum term of 48 months
  • Installment loan
  • Share account funds serve as collateral
  • Lending is limited to residents of North Carolina, South Carolina, Georgia, Tennessee or Virginia
  • Members must be 18 years of age or older to be eligible for lending services

Share Secured Term Notes
  • Maximum term of six months
  • One-time payment loan
  • Share account funds serve as collateral
  • Lending is limited to residents of North Carolina, South Carolina, Georgia, Tennessee or Virginia
  • Members must be 18 years of age or older to be eligible for lending services

Share Term Certificate (STC) Term Note
  • One-time payment loan
  • STC funds serve as collateral
  • Maturity date identical to the collateral STC
  • Rate is 2% above STC rate, rounded to nearest quarter of a percent (.25%)
  • Lending is limited to residents of North Carolina, South Carolina, Georgia, Tennessee or Virginia
  • Members must be 18 years of age or older to be eligible for lending services

Open-End Variable Rate Signature
  • Unlimited subsequent advances
  • Can serve as overdraft transfer service for your NCPAFCU account
  • Minimum payment based on the principal balance
  • Maximum loan amount is the lesser $7,500 per individual/$15,000 joint
  • Lending is limited to residents of North Carolina, South Carolina, Georgia, Tennessee or Virginia
  • Members must be 18 years of age or older to be eligible for lending services

Closed-End Variable Rate Signature
  • Maximum term of 36 months to 60 months
  • Maximum loan amount is the lesser of $7,500 per individual/$15,000 joint
  • No collateral or fees
  • Lending is limited to residents of North Carolina, South Carolina, Georgia, Tennessee or Virginia
  • Members must be 18 years of age or older to be eligible for lending services