Grow Your Savings with NCACU
Level up your savings safely and securely. Let us help you achieve your financial goals.
Savings to Fit Your Goals
At NCACU, we make saving simple and rewarding—perfect for building financial stability, no matter where you are in life. Whether you’re just starting to save or looking to maximize your investment, our accounts offer a secure, smart way to grow your money with the power of compound interest.
Why Save with NCACU?
Whether it’s locking in a guaranteed return, maximizing your daily earnings, or keeping your emergency fund flexible, NCACU delivers competitive, above-market rates and the personalized service only your local credit union can provide. Rest easy knowing your hard-earned money is safely insured and working harder for you right here in your community.
Above-Market Rates
Secure & Insured
Tiered Earnings
NCACU Certificate Options
Grow your savings with absolute confidence. A Certificate of Deposit (CD) from NCACU offers a completely secure, predictable way to watch your funds expand with locked-in rates.
Certificates of Deposit (CDs)
Lock in your savings for a timeframe that fits your horizon. NCACU offers standard terms with exceptional yields. Plus, maximize your returns with our 0.25% APY* CD Rate Bump incentive when you maintain an active checking account with direct deposit!
Add-On CD for Ongoing Growth
Keep building your momentum step-by-step. Our specialized 24-Month Add-On CD lets you start with as little as $100 and make additional deposits anytime you like to continuously build your savings safety net.
Liquid Savers & Tiered Accounts
Want the growth of a certificate without your funds being tied down to a term? Our Liquid Savers tiers your interest paid across 6 different levels from $250 up to $50,000+ so your rate naturally accelerates alongside your balance.
Money Market Accounts to Maximize Yields
Safeguard your larger balances while keeping your funds highly accessible. NCACU Money Market accounts feature 6 robust reward tiers ranging all the way from $2,500 up to $250,000+. Enjoy higher interest yields with the freedom of up to three free withdrawals every month.
Specialty & Holiday Savings Accounts
Plan ahead for life’s seasonal moments. Open a Christmas Club account with a simple $5 minimum deposit to eliminate holiday stress, or opt into our Keep Your Change program to naturally roll your debit card transactions up to the nearest dollar and siphon the spare change straight into your savings automatically. View Additional Savings Accounts ›
High-Yield Rewards Checking
Why should your checking balance sit idle? With an active debit card, online banking, and monthly direct deposits, you can secure an exceptional 4% APY* on your everyday cash flow. It’s an easy, automatic way to supercharge your household budget.
Explore Your Options with NCACU
Share a few quick details, and a friendly NCACU savings expert will connect with you to find the ideal accounts to maximize your hard-earned wealth.
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* Details and disclosures for NCACU certificate of deposits and checking accounts.