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Deposit Accounts

Explore our deposit account options to unlock your financial potential. Open an account today to help build your financial future.

Deposit products

All NCPAFCU deposit products are accessible via branch, ATM, Member Services Support at (888) 732-8562, Press For Info, and Press Pass. Deposit products are subject to the Account Rules and Regulations.

Savings (Share) Account

  • Establishes NCPAFCU membership
  • $25 minimum opening deposit required1
  • $25 minimum balance must be maintained1
  • $1 monthly maintenance fee (if account is below $25 minimum balance on statement date)
  • No minimum balance required to earn dividends
  • Dividends compounded daily and paid monthly
  • Funds may be used as collateral for NCPAFCU personal loans2
  • No checks can be written and no automated clearing house (ACH) debits are allowed 


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Checking Account

  • $100 minimum opening deposit required
  • No minimum balance that must be maintained3
  • $1 monthly maintenance fee
  • Dividends compounded daily and paid monthly
  • $100 minimum daily balance required to earn dividends
  • Overdraft Transfer Service, online BillPay service, and debit cards available


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CashPoints® Global (CPG) Account

  • Non-dividend demand deposit account
  • No minimum deposit required to open account
  • No minimum balance that must be maintained3
  • $1 monthly maintenance fee (if there is a balance in the account on the statement date)
  • No checks can be written and no automated clearing house (ACH) debits are allowed 
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Money Market Share Account

  • $250 minimum opening deposit required
  • $250 minimum balance that must be maintained
  • $2 monthly maintenance fee (if account falls below $250 minimum balance any time during statement period)
  • Dividends compounded daily and paid monthly
  • $250 minimum daily balance to earn dividends
  • No checks can be written and no automated clearing house (ACH) debits are allowed 


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Share Term Certificate (STC)

  • $250 minimum opening deposit required
  • Offered in terms of 6, 12, 18, 24, 30, and 36 months4
  • Fixed dividend rate for the term of the certificate; rates for new STCs may change at any time
  • Dividends accrue daily, but are not compounded
  • Funds may be used as collateral for NCPAFCU loans2


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Holiday Cash Club Account

  • No minimum deposit required to open account
  • No minimum balance that must be maintained
  • No monthly maintenance fee
  • No minimum balance required to earn dividends
  • Dividends compounded daily and paid monthly
  • Payroll Deduction or Funds Transfer available


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Coverdell Education Savings Account (CESA)

  • Established for benefit of NCPAFCU member under age 18 or any age with special needs5
  • $25 minimum opening deposit required
  • $25 minimum balance that must be maintained
  • $1 monthly maintenance fee (if account is below $25 minimum balance on statement date)
  • No minimum balance required to earn dividends
  • Dividends compounded daily and paid monthly
  • Account contributions made with up to $2,000 in after-tax dollars per year
  • Tax-free withdrawals if funds used exclusively to pay for beneficiary’s qualified education expenses


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Individual Retirement Account (IRA)

  • Traditional and Roth accounts available
  • $25 minimum opening deposit required
  • $25 minimum balance that must be maintained
  • $1 monthly maintenance fee (if account is below $25 minimum balance on statement date)
  • No minimum balance required to earn dividends
  • Dividends compounded daily and paid monthly


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Health Savings Account (HSA)

  • No minimum deposit required to open account
  • No minimum balance that must be maintained
  • No monthly maintenance fee
  • No minimum balance required to earn dividends
  • Dividends compounded daily and paid monthly
  • Contributions to account are tax-deductible
  • Tax-free withdrawals if funds used exclusively for paying or reimbursing qualified medical expenses
  • Health Savings Account Debit Card for purchases and ATM transactions


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  1. A minimum deposit of $25 is required to open Share Accounts. The $25 opening deposit in the member’s first Share Account establishes Credit Union membership, and $25 must remain in at least one Share Account to maintain membership. All Share Accounts have a $25 minimum balance requirement to avoid the monthly maintenance fee.
  2. Funds designated as collateral for a loan cannot be withdrawn until the loan is paid in full.
  3. Must maintain balance sufficient to cover monthly maintenance fee and other authorized charges.
  4. Penalties generally apply for early withdrawal of funds.
  5. A special needs designated beneficiary is an individual who, because of a physical, mental, or emotional condition (including learning disability), requires additional time to complete his or her education, as determined by the Department of Treasury Regulations. Consult a tax advisor to determine if the designated beneficiary qualifies as a special-needs designated beneficiary.