Credit union · NCUA insured
NCCFCU
A $102.7M credit union headquartered in Goldsboro, NC, with 5,869 members and 2 branches in North Carolina. Best rates: CDs 0.75% and savings 0.10% APY.
NCCFCU Carrot Score
70
Carrot Score
Higher than 27% of U.S. banks and credit unions
#5 of 11 in Goldsboro, NC metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About NCCFCU
Founded in 1957 in Goldsboro, North Carolina, the credit union initially served military and civilian personnel at Seymour Johnson Air Force Base.
It expanded to area groups before converting to a community charter in 2002 and changing its name to reflect its service to Wayne County.
As a member-owned financial cooperative, it focuses on serving individuals, businesses, and organizations who live, work, worship, or attend school in Wayne County.
- Headquarters
- 2401 E Ash St, Goldsboro, NC 27534-7513
- NCUA charter
- 12004
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in Wayne County, NC are eligible to join.
Other ways
- North Carolina residents who do not meet Wayne County criteria can join by making a one-time $5.00 tax-deductible donation to the Your Community Foundation.
Cost to join
- Opening a savings account requires a $1 deposit.
- A one-time $5.00 tax-deductible donation to the Your Community Foundation is required for the statewide residency eligibility path.
Branches
2 branches in North Carolina
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North Carolina
2 branches
- Main BranchMain office2401 E Ash St, Goldsboro, NC 27534Directions
- Base Branch1350 Edwards St, Seymour Johnson AFB, NC 27531Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.92% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.13% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.16% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $56 | $76 | — |
- CapitalNet worth ratio10.92%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.13%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.16%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$56Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of NCCFCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.