decoration only

Announcing Higher Earnings!

Boost your earnings with a Money Market Account or our 13-Month CD Special. 

Invest in our 13-month CD or CD IRA Special! 

If you have a lump sum you’d like to invest, our 13-month CD or CD IRA is the perfect option. This limited-time offer lets you lock in an impressive 4.90% APY* on your funds.   

Minimum Deposit: $500
Term: 13 Months
APY: 4.90% 

This CD Special offers an excellent return on your investment with peace of mind from a fixed APY. Whether you’re saving for a specific goal or looking to diversify your portfolio, this CD can help you earn more with your money. 

More facts about CDs: 

When you invest in a CD or CD IRA, you agree to deposit a certain sum of money for a pre-determined period, ranging from a few months to several years. In return, you earn a fixed interest rate for the duration of the term. Upon maturity, you receive your original investment plus the accrued interest. CDs are a safe option since they are fully insured by the NCUA (National Credit Union Administration) for up to $250,000, with an additional $250,000 coverage for your IRA.  

However, it’s essential to note that withdrawing funds from a CD before its maturity can result in penalties, which may reduce your earned interest or even reduce the principal amount originally invested. 

Health Savings Accounts: Another Option

Health Savings Accounts (HSAs) are tax-advantaged savings accounts specifically designed for individuals with high-deductible health plans (HDHPs). You can set aside pre-tax money to pay for out-of-pocket medical expenses, including deductibles, copayments, and other qualified health expenses. One of the primary benefits of HSAs is the triple tax advantage: 

  • Contributions are tax-deductible. 
  • The money grows tax-free when invested. 
  • Withdrawals for qualified medical expenses are tax-free.

At NCACU, you also receive a solid return on your HSA deposits! You can earn .50% APY* on your HSA, compounded and credited monthly.   

Why choose NCACU? 

There are more reasons to choose NCACU when it comes to investing: 

  • Member-Centric Approach: At NCACU, we genuinely care about your financial well-being and are committed to helping you achieve your goals.
  • Competitive Rates: We offer competitive rates on all our savings products so you can earn more.
  • Local Expertise: We have deep roots in the community, which means we understand our members’ unique financial challenges and opportunities. 
  • Flexibility and Accessibility: We offer a variety of savings products for different financial goals and preferences. Whether you prefer a “liquid” account like our Money Market (with easy access to funds) or a fixed-rate CD, you have options.
  • NCUA Insurance: The National Credit Union Administration federally insures all savings, so your funds are fully protected up to $250,000.

Make the most of your savings with an NCACU Money Market Account, 13-Month CD Special, or HSA. Stop by any branch or call us at (989) 910-5135 to get started.   

*APY = Annual Percentage Yield. Rates are effective October 1, 2023, and are subject to change. This offer is available for a limited time and can change or end at any time. Interest is compounded and credited monthly. Other restrictions may apply. See North Central Area Credit Union for details. 

**APY = Annual Percentage Yield. Rates are effective October 1, 2023, and are subject to change. This offer is available for a limited time and can change or end at any time. Rates reflect a .25% bonus rate incentive. To receive the .25% bonus rate, the member must have an active Checking Account which includes a minimum of $250 ACH Direct Deposit monthly, an active Debit Card, and Online Banking with eStatements/eNotices. Interest is compounded and credited monthly. Penalties for early withdrawal, which will impact earnings. Minimum investment is $500; maximum investment is $250,000. Contact North Central for rates on deposits above $250,000. Cannot be combined with any other offers. Rates are not available to businesses. Other restrictions may apply; CD levels will be capped and the special terminated when certain deposit levels are reached. See North Central for details. 


Grandville Branch access is limited by construction. Please access Ivanrest via Prairie Street.