Credit union · NCUA insured
NCPA Federal Credit Union
A $11.6M credit union headquartered in Raleigh, NC, with 1,291 members. Best rates: CDs 4.20% and savings 2.28% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards.
- CDs—4.20%CD rates →
- Savings—3.20%Savings rates →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About NCPA Federal Credit Union
Established in 1984 by the North Carolina Press Association and State Employees' Credit Union, NCPAFCU is a member-owned cooperative for employees of participating North Carolina newspapers and their families.
Through its partnership with State Employees' Credit Union, the credit union serves members across 275 branch offices located in all 100 counties in North Carolina.
- Headquarters
- 119 N Salisbury St, Raleigh, NC 27603-1739
- NCUA charter
- 24140
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of North Carolina newspapers that belong to the N.C. Press Association (NCPA), except those whose newspapers have their own credit union, are eligible for membership.
- Individuals retired from eligible NCPA newspapers as pensioners and/or annuitants, including vested former employees, are eligible for membership.
Family and household
- Immediate family members of an existing NCPAFCU member are eligible for membership.
- Un-remarried spouses of persons who died while within the field of membership are eligible for membership.
Cost to join
- Eligible persons age 12 and under can join by opening a FAT CAT® Share Account with a minimum deposit of $5.
- Membership requires opening a share account with a minimum deposit of $25.
Branches
Branches
No public branch offices are listed in the regulator directory.
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 | 18.83% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 2.76% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.94% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $28 | $59 | — |
- CapitalNet worth ratio18.83%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late2.76%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.94%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$28Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million 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 NCPA Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.