Deposit Accounts

Everyone has different financial goals. Whether you are saving for a rainy day, a special trip, or a child’s college education, everyone has a good reason to stockpile money. Our accounts can help your savings balance grow as big as your dreams.

Share Account

Join NCU and get all the benefits of membership. This is the first account you will open at NCU with a minimum of $25 to get started.

  • No monthly service fees
  • Six withdrawals allowed per month. Excessive withdrawal fee is $1.00
  • Dividends paid and compounded quarterly based on the average daily balance
  • Grow your balance faster with direct deposit, payroll deductions or automatic transfers from other accounts

Individual Retirement Account (IRA)

Retirement may seem like a lifetime away, but it’s never too early to get started and plan for the road ahead. You have several IRA options to help you save for the future.

  • Competitive interest or rates above standard savings rates
  • Traditional and Roth IRAs
  • $1,000 minimum deposit to open for members under the age of 65 with earned income
  • Possible tax-deductible contributions (see your tax advisor)
  • Regular scheduled disbursements upon retirement

Money Market Account

Provide for your future by saving today. Enjoy higher earnings with quick access to your money.

  • Minimum $2,500 deposit required
  • Free checks
  • Dividends calculated daily and paid monthly
  • No fees
  • Make online banking transfers (certain restrictions may apply) to other NCU accounts

Certificate of Deposit

If you want your money to earn more than traditional savings but are wary of investment risks, a Certificate of Deposit might be right for you.

  • Minimum opening deposit of $1,000
  • Competitive fixed interest rates
  •  Get flexible terms from 6 to 60 months (early withdrawal penalties may apply) 
  • Available automatic renewal at maturity