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.
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. Members may qualify to receive the CD Rate Bump Club dividend payment in addition to the base CD dividend rate each month. The CD Rate Bump Club dividend payment is not automatically applied. Members should contact the credit union to verify eligibility and enroll. Qualification criteria include a minimum ACH direct deposit of $250/month, an active NCACU checking account, a valid email address on file, and enrollment in Online Banking with eStatements and eNotices. If a member does not meet the qualification requirements during a given month, only the base CD dividend rate will be paid. If the member later meets all requirements for a full calendar month, the CD Rate Bump Club dividend payment will be applied beginning the following month. Dividends will be posted separately, with one dividend payment reflecting the base CD rate and a second dividend payment reflecting the CD Rate Bump Club dividend payment.
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.