Certificate of Deposit (CD)
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.
Guaranteed Growth: The Power of 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?
Choosing NCACU for your Certificate of Deposit allows you to grow your money safely with competitive returns protected by secure NCUA insurance. Even better, you can easily boost your earnings with a 0.25% APY rate bump just by keeping an active NCACU checking account.*
Above-Market Rates
Secure & Insured
Tiered Earnings
Want More Flexibility on Your CD Earnings?
The Add-On CD is the perfect choice for members who want to steadily build their savings over a fixed 24-month term. This flexible option features a lower entry point for CD level savings, accommodating investments anywhere from $100 up to $10,000. Best of all, it allows you to make additional deposits at any time to ensure your funds keep growing!
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!
*Certificate of Deposit (CD) Bonus Rate: The CD bonus rate of 0.25% APY requires a minimum of $250 in direct deposit per month, an active NCACU checking account with a valid email address on file and enrollment in Online Banking with eStatements and eNotices. The CD Rate Bump Club is not automatically applied. Members should contact the credit union to verify eligibility and enroll. If a member does not meet the qualifications 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 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 may reduce earnings. Minimum CD opening balance is $500. Maximum CD balance eligible for the bonus rate is $250,000. The deposit amount determines the dividend rate for the Certificate of Deposit.