Achieve your savings goals.
Earn 0.15% APY1
No Maintenance Fees
24/7 Online Banking
$25 Opening Deposit
How it Works
Earn 0.15% APY1 on a balance of $100 or more. If your balance drops below $100 you will not incur any maintenance fees and the interest will drop to 0.00% APY1. Access your account at anytime to deposit funds or transfer to other accounts with Online Banking or the MyNCU Mobile App.
Minimum Opening Deposit
Make unlimited deposits and up to three (3) withdrawals each statement cycle free of charge. Any excess withdrawal will incur a fee2.
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|Account Type||Summary||Minimum Opening Deposit||APY*||Fees|
|High Yield Savings||
24/7 access to funds, no maintenance fees, access to funds with 3 free withdrawals per month
|$10,000||2.00% on $10,000 or more||None|
Low minimum opening deposit, tiered interest rate, access to funds with 6 withdrawals per month
$10,000 & up: 0.20%
|$10 per month if minimum balance of $1,000 is not maintained|
|60 Month Certificate of Deposit||
Low risk, interest rate compounded daily
|$2,500||2.80%||Interest penalty may apply for early withdrawal|
Withdrawals not allowed until funds are transferred into Prize Savings in early November
|$100||0.20%||Early closure fee|
Earn cash and prizes during weekly, monthly, and an annual grand prize drawing
|$25||0.15%||$5 per month if minimum balance is not maintained and no other loan or deposit relationship exists.|
|Individual Retirement Savings||
Save for retirement with a Traditional IRA or Roth IRA
Use to separate your funds for special purposes. Login to Online Banking to open online
For kids ages 0 through 12
*APY = Annual Percentage Yield
Frequently Asked Questions
Interest on the Dedicated Savings account is compounded monthly.
There is no monthly service charge for members who's balance in their Dedicated Savings account drops below $100.
Yes, the Dedicated Savings account can be used as collateral on a loan.
1APY = Annual Percentage Yield. Fixed interest rate at 0.15% on a balance of $100 or more. Rate effective January 7, 2019 and is subject to change after account opening. $25 minimum deposit required to open account. If minimum balance drops below $100, the annual percentage rate earned will be 0.00%.
2More than 3 withdrawals per month will incur a fee. Please see Rates & Fees page for details.
View the Truth-In-Savings Disclosure.
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