Credit union · NCUA insured
NCCFCU CD Rates
NCCFCU’s best CD rate is 0.75% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How NCCFCU’s CD rates compare
Compared with banks and credit unions near Goldsboro, NC, where NCCFCU has the most branches. $10,000, best rate first.
This credit union’s best
NCCFCU
0.70%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $355
Share Certificates
Top rate
State Employees' Credit Union
4.30%APY
- Term
- 18 months
- Minimum
- $250
- Earns on $10,000
- $652
2nd-highest rate
Woodforest National Bank
4.25%APY
- Term
- 9 months
- Minimum
- $500
- Earns on $10,000
- $317
NCCFCU CD score
60
CD score
Higher than 2% of U.S. banks and credit unions
- 3–8 months3–8 mo0.10%
- 9–15 months9–15 mo0.10%
- 16–30 months16–30 mo0.25%
- 31–60 months31–60 mo0.70%
- QualifiedQualified0.70%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where NCCFCU ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificates
Up to 0.70%APY · 5 terms
Membership eligibility required: Live, work, worship, or attend school in Wayne County, NC with $1 in savings account, or make a one-time $5.00 donation to Your Community Foundation for NC residents. Automatic renewal at maturity with prior notice and grace period. Early withdrawal penalty applies.
| Term | APY · Up to $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsTerms of less than 12 months subject to early withdrawal penalty of 90 days' dividends | 0.10% | 0.18% | 0.10%0.18% from $100k | $5 |
| 12 monthsTerms of 12 months or greater subject to early withdrawal penalty of 180 days' dividends | 0.10% | 0.18% | 0.10%0.18% from $100k | $10 |
| 24 monthsTerms of 12 months or greater subject to early withdrawal penalty of 180 days' dividends | 0.25% | 0.30% | 0.25%0.30% from $100k | $50 |
| 36 monthsTerms of 12 months or greater subject to early withdrawal penalty of 180 days' dividends | 0.35% | 0.40% | 0.35%0.40% from $100k | $105 |
| 60 monthsTerms of 12 months or greater subject to early withdrawal penalty of 180 days' dividends | 0.70% | 0.75% | 0.70%0.75% from $100k | $355 |
Sources (2)
All captured Sep 19, 2026
Special-purpose accounts
IRA Certificates
Up to 0.70%APY · 5 terms
Membership eligibility required: Live, work, worship, or attend school in Wayne County, NC with $1 in savings account, or make a one-time $5.00 donation to Your Community Foundation for NC residents. Available for Regular/Traditional or Roth IRA. Early withdrawal penalty applies.
| Term | APY · Up to $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 monthsTerms of less than 12 months subject to early withdrawal penalty of 90 days' dividends | 0.10% | 0.18% | 0.10%0.18% from $100k | $5 |
| 12 monthsTerms of 12 months or greater subject to early withdrawal penalty of 180 days' dividends | 0.10% | 0.18% | 0.10%0.18% from $100k | $10 |
| 24 monthsTerms of 12 months or greater subject to early withdrawal penalty of 180 days' dividends | 0.25% | 0.30% | 0.25%0.30% from $100k | $50 |
| 36 monthsTerms of 12 months or greater subject to early withdrawal penalty of 180 days' dividends | 0.35% | 0.40% | 0.35%0.40% from $100k | $105 |
| 60 monthsTerms of 12 months or greater subject to early withdrawal penalty of 180 days' dividends | 0.70% | 0.75% | 0.70%0.75% from $100k | $355 |
Sources (2)
All captured Sep 19, 2026
Who can join NCCFCU
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.
Membership information collected October 4, 2026.