Grow Your Savings with Confidence
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, a Certificate of Deposit (CD) offers a secure, smart way to grow your money with the power of compound interest.
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What’s a CD?
A CD is like a savings booster. You lock in your money for a set time, earn higher interest than a regular savings account, and watch your savings grow. The longer the term and the larger the deposit, the more you earn. Just remember, early withdrawals may come with fees.
Why Choose NCACU for Your CD?
- Above-Market Rates: Earn competitive returns on your savings. Compare Rates.
- Secure and Insured: Rest easy knowing your money is protected with NCUA insurance.
- CD Rate Bump: Add 0.25% APY to your rate with an active NCACU Checking Account.
Limited-Time Special Offers:
- $500 Minimum: 4.25% APY (*includes 0.25% bonus rate)
- $50,000 Minimum: 4.35% APY (*includes 0.25% bonus rate)
Want Flexibility? Try Our Add-On CD!
For members who want to keep building their savings, the Add-On CD is the perfect choice:
- 24-Month Term
- $100–$10,000 Investment
- Make additional deposits anytime to keep growing your funds
Start Building Your Future
Whether you’re saving for a big purchase, your next adventure, or just building a safety net, our CDs are designed to help you reach your goals. Visit us today and take the first step toward a brighter financial future!
*APY=Annual Percentage Yield. Rates are effective January 1, 2025, and are subject to change without notice. This offer is available for a limited time and can end anytime. 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. Penalties for early withdrawal will impact earnings. The minimum CD investment is $500. Maximum investment is $250,000. The deposit amount determines the interest rate for your Certificate of Deposit (CD). Jumbo CDs are between $50,000 and $250,000. Standard CDs are between $500 and $49,999.99. Contact NCACU for rates above $250,000. Interest is compounded and paid monthly. It cannot be combined with any other offers. Other restrictions may apply; CD levels will be capped, and the special will be terminated when deposit levels are reached. See NCACU for complete details.
**$100 opening deposit and minimum balance required. $10,000 maximum deposit. Municipal, business and IRA funds are not eligible. During the term of the CD, you may make additional deposits into this account. The method for additional deposits may be limited to in-office transactions or Online Banking transfers. The balance in your account cannot exceed $10,000 excluding interest. Withdrawals prior to maturity are subject to an early withdrawal penalty fee. Fees may reduce earnings. Contact the credit union for details.