Credit union · NCUA insured
NCCFCU Savings Rates
NCCFCU’s best savings rate is 0.10% APY on $10,000, with its Share Savings. Rates checked October 22, 2026.
How NCCFCU’s savings 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
0.10%APY
- Minimum
- $1
- Earns on $10,000 a year
- $10
Share Savings
Top rate
State Employees' Credit Union
2.20%APY
- Minimum
- $250
- Earns on $10,000 a year
- $220
2nd-highest rate
Woodforest National Bank
1.00%APY
- Minimum
- $25
- Earns on $10,000 a year
- $100
NCCFCU savings score
64
Savings score
Higher than 10% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.10%
- QualifiedQualified0.10%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Savings Account / Cash Management Checking
0.01%APY
Rates subject to change without notice. Requires membership with NC Community Credit Union. Withdrawals limited to 6 per month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $14,999Rate tier for balances from $1,000 to $14,999. | 0.01% | $1 | Rate tier for balances from $1,000 to $14,999. |
| $15,000 – $100,000Rate tier for balances from $15,000 to $100,000. | 0.07% | — | Rate tier for balances from $15,000 to $100,000. |
| $100,001 and upRate tier for balances greater than $100,000. | 0.15% | — | Rate tier for balances greater than $100,000. |
Sources (2)
All captured Sep 19, 2026
Share Savings
0.10%APY
Must live, work, worship or attend school in Wayne County, NC, or make a $5 donation to Your Community Foundation. Primary savings account requires maintaining a $1 balance to remain a member-owner.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Special Purpose Savings
0.10%APY
Pays dividends monthly, calculated on the daily balance.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (3)
- nccfcu.org/customer-service/rates
- nccfcu.org/personal-banking/fi…ccounts/savings-accounts
- nccfcu.org/personal-banking/fi…/primary-savings-account
All captured Sep 19, 2026
Special-purpose accounts
Christmas Club
0.10%APY
Pays dividends monthly, calculated on the daily balance.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.10% | $10 |
Sources (3)
- nccfcu.org/customer-service/rates
- nccfcu.org/personal-banking/fi…ccounts/savings-accounts
- nccfcu.org/personal-banking/fi…/primary-savings-account
All captured Sep 19, 2026
IRA Passbook Savings
0.05%APY
Pays dividends monthly, calculated on the daily balance. Traditional and Roth IRA options available. Maximum annual contributions apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balancePays dividends monthly, calculated on daily balance. Roth IRA listed with no monthly fee.Any balance | 0.05% | $5 | Pays dividends monthly, calculated on daily balance. Roth IRA listed with no monthly fee. |
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.