PRESS PASS
online access

Delete saved User ID



Forgotten Password



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



Credit Insurance
Life can get complicated when unforeseen events occur. Protecting your loan against qualifying life events and unexpected disability could help protect more than your finances. It could help lighten the burden for the people you care about most.

Learn More