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Savings Rates

Savings rates are subject to change without notice. Contact the credit union for the most up-to-date rates.

CD rates reflect the same rates for IRA CDs, please contact the credit union for details

Certificate Rates - Effective Monday, October 14, 2024
Certificate TermAPYMinimum Deposit
13 MONTH CD SPECIAL4%$500
13 MONTH CD SPECIAL4.1%$50000
6 MONTH CD4%$500
6 MONTH CD4.1%$50000
12 MONTH CD3.75%$500
12 MONTH CD3.85%$50000
24 MONTH CD3.7%$500
24 MONTH CD3.8%$50000
36 MONTH CD3.6%$500
36 MONTH CD3.7%$50000
48 MONTH CD3.6%$500
48 MONTH CD3.7%$50000
60 MONTH CD3.6%$500
60 MONTH CD3.7%$50000
Savings Rates - Effective Tuesday, October 1, 2024
APYMinimum
Deposit
Minimum
Balance
PRIME SHARE0.05% $100
LIQUID SAVERS0.1%$250$250
LIQUID SAVERS0.25%$250$1000
LIQUID SAVERS0.35%$250$5000
LIQUID SAVERS0.5%$250$10000
LIQUID SAVERS0.6%$250$25000
LIQUID SAVERS0.75%$250$50000
CHRISTMAS CLUB0.25%$5$0
KEEP YOUR CHANGE0.05% $0
REWARDS CHECKING0% $0
REWARDS CHECKING4% $0.01
REWARDS CHECKING0% $12000.01
CHECKING0% $0
SECONDARY SHARE0.05% $0
MONEY MARKET0%$1000$2499
MONEY MARKET2.25%$1000$2500
MONEY MARKET2.5%$1000$25000
MONEY MARKET2.75%$1000$50000
MONEY MARKET3%$1000$100000
MONEY MARKET3.25%$1000$250000

 

Share Insurance Estimator

As a member of North Central Area Credit Union, “Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States  Government.”  NCUA has improved the online share insurance estimator tool used by members to calculate share insurance coverage.  Now you can keep track of your share insurance coverage and get quick answers to your share insurance questions.  To use the Share Insurance Estimator click here.

 

*APY = Annual Percentage Yield. Subject to change without notice. Fees may reduce earnings. Rate may change after the account is opened. Fees may reduce earnings. First Money Market, Share Plus and Add-On Certificates are suspended, see your account and contact credit union for more details.

**This offer is available for a limited time and can 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.  Penalties for early withdrawal will impact earnings. Minimum CD investment is $500. Maximum investment is $250,000. The deposit amount determines the interest rate for your Certificate of Deposit (CD). The advertised rate is for Jumbo CDs between $50,000 and $250,000. Standard CD accounts ranging from $500 to $49,999 will receive our regular interest rates. Contact NCACU for rates above $250,000. Interest is compounded and paid monthly. Cannot be combined with any other offers. Other restrictions may apply; CD levels will be capped and the special terminated when deposit levels are reached.  See NCACU for complete details.