Deposit Products


Transfer your checking account to NCCU and save! Our Free checking account includes a free NCCU debit MasterCard, accepted at millions of locations worldwide! Stop paying outrageous fees and transfer your account today!


As a credit union member, your membership status is represented by the shares you save at NCCU. This primary share account is required to establish membership with NCCU.

Certificate of Deposit

Our C.D terms are available in 6, 12 and 24 month terms. All rates are fixed for the entire term of the CD. Interest is payable once the CD matures.

Club Accounts

Need a separate account to save for those Christmas expenses or an upcoming exciting vacation getaway? Our Christmas and Vacation Club accounts are just what you are looking for. They offer an easy and simple way to reach your savings goals!

Kids Club

This savings account is for kids 0-16 yrs old and teaches your child the value in saving their money.

Payroll Deduction

Depending on your place of employment, you may qualify to have all or portion of your paycheck deposited directly to your credit union account. Payroll deductions offer a great way to save money or make loan payments.

Direct Deposit

What could be easier than having your paycheck or social security check directly deposited in to your credit union account? Direct deposit takes the worry out of carrying paper checks! Set up direct deposit with us today!

Lending Products

Vehicle Loans

Call us to find out our great rates on both new and used vehicle loans. We can tell you how much the vehicle is worth, how much you can borrow on it, and what your monthly payment would be. Get pre-approved within an hour and increase your “bargaining power” when you know the facts before you start to shop!

*Calculators are not guarantees of credit

Includes cars, motorcycles, boats, and recreational vehicles

  • 100% financing of the actual selling price up to $50,000.
  • Low fixed rate loan terms ranging from 12 to 60 months.
  • Extended term option is available for 66 months for loans over $20,000.

Includes cars, motorcycles, boats, and recreational vehicles

  • Get the same great low fixed rates as a new vehicle loan Includes cars, motorcycles, boats, and recreational vehicles.
  • Financing up to 100% of the NADA blue book value of the vehicle up to $35,000 Terms ranging from 12 to 60 months.
  • Refinance your current vehicle loan and save money with our low fixed interest rates.

Unsecured/Signature Loans

The unsecured or signature loan is one of our most popular loans that solves a variety of personal borrowing needs. Whether it is for medical bills, home repair, school tuition or simply bill consolidation, this loan is versatile enough to cover any of your basic financial needs. Watch for our unsecured loan specials throughout the year!

  • Borrow from $500 up to $7,500
  • Low fixed rate loan terms from 12 to 48 months
  • Available on credit scores above 575
  • Your signature and good credit are the only requirements

Put your home to work for you – consolidate debt, finance a college education, or even remodel your home.

  • Borrow up to 80% of your home’s equity.
  • Low fixed interest rate for the term of the loan.
  • 3, 4, and 5 year terms available.
  • Refinance your exiisting variable rate home equity loan and lock in a low fixed rate 2nd mortgage with us which could save you thousands of dollars over the term of the loan

Share/CD Secured Loan

A great way to get a loan at a low fixed interest rate by using the balance of your CD or savings account to secure the loan. You will continue to receive the same rate of interest on your savings or CD while the loan is being paid back. It is simple and saves you the time from shopping around to find the best rate!

  • Your strong commitment to savings can provide you security when you need a loan.
  • Borrow up to 100% of your share account balance or dollar amount of your CD.
  • The loan interest rate will be 4% above the rate you are currently receiving on your CD or savings account.
  • The term of the certificate loan can not exceed the maturity of the CD it is secured with.
  • The term for a share secured loan will be determined based on the amount of the loan requested.

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