Credit union · NCUA insured
NCPA Federal Credit Union CD Rates
NCPA Federal Credit Union’s best CD rate is 4.20% APY on a 3-year share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 22, 2026.
How NCPA Federal Credit Union’s CD rates compare
Compared with banks and credit unions nationwide. $10,000, best rate first.
This credit union’s best
NCPA Federal Credit Union
4.20%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $250
- Earns on $10,000
- $1,314
Share Term Certificate (STC)
Top rate
SouthPoint Financial Credit Union
9.00%APY
- Term
- 9 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $668
2nd-highest rate
802 Credit Union
8.02%APY
- Term
- 5 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $327
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Term Certificate (STC)
Up to 4.20%APY · 6 terms
Fixed dividend rate for the term of the certificate. Dividends accrue daily, but are not compounded. Funds may be used as collateral for NCPAFCU loans. Early withdrawal penalties may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.80% | $188 |
| 12 months | 4.00% | $400 |
| 18 months | 4.05% | $614 |
| 24 months | 4.10% | $837 |
| 30 months | 4.15% | $1,070 |
| 36 months | 4.20% | $1,314 |
Sources (2)
All captured Oct 9, 2026
Who can join NCPA Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.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.
Membership information collected October 4, 2026.