Checking Accounts

*APY = Annual Percentage Yield. Terms and limitations apply. Rate as of February 1, 2026, and subject to change after account opening. $5 membership required. No minimum balance required. Monthly requirements must occur by end of day the last day of the month. Overdraft/returned item fees may apply.
Elite Status can change month to month according to their transactions and monthly lifestyle in the preferred and chosen tier. Courtesy pay is not available for any member under the age of 18. A minimum of one parent/guardian will be joint on the account to qualify for a checking account if under the age of 18. Qualifying debit card purchases include: Point-of-sale purchases made with your debit card; and Online purchases made with your debit card. Debit card transactions that are not eligible for 1% cash back include: Transactions conducted at an ATM; The purchase of money orders, currency, coins, or other cash-equivalents, such as Bitcoins, negotiable items not yet deposited, U.S. treasury bills, and commercial paper; Peer-to-Peer or Person-to-Person (P2P) payments; Merchant returns/refunds. See credit union for details.
Rewards Checking– Members may earn 4% APY. Purchases do not include ATM transactions. Credit or Debit card purchase requirements are based merchant preference. Dividends are not paid on balances over $12,000. Dividends are not paid if requirements are not met. Fees may reduce earnings. Requirements: Direct Deposit at least $1,000 monthly into your Checking account, minimum of 10 debit card signature-based transactions per month, minimum of four logins to online banking per month, opt into eStatements and eNotices. 
Debit Cash Back– Members may earn 1% Cash Back up to $10 on qualifying debit card purchases per month, posted monthly as a single deposit on the last day of the month. Cash Back is calculated based on a percentage of the total amount of spending performed by the member during the month on eligible debit card purchases. Your Debit Cash Back Account must be open when debit card Cash Back is posted. Requirements: opt in to eStatements and eNotices, five or more Online Banking logins per month, five or more signature-based transactions per month. 
All rate specials require enrollment by NCACU staff. Eligibility and qualification status may change month to month based on whether program requirements are met. Monthly requirements must be completed by end of day on the last day of each month to qualify for benefits in the applicable period. A valid email address on file and enrollment in Online Banking, eStatements, and eNotices are required. See credit union for complete details, terms, and conditions. See credit union for details.
Certificate of Deposit (CD) Bonus Rate: The CD bonus rate of 0.25% APY requires a minimum of $250 in direct deposit per month. Prorated dividends are posted as a separate dividend to the CD on the first day of the following month. 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. 
Loan Rate discount: Discount 0.50% APR (Annual Percentage Rate) requires a minimum of $1,000 in monthly direct deposit into an Elite Checking account, an active debit card, a minimum of four Online Banking logins per month, and continued satisfaction of program requirements. Participation in the program is optional and does not affect credit approval. The discount credit is applied to the loan’s principal balance on the last day of the month following the month in which qualifications were met.