NCPA Federal Credit Union High-Yield Savings & Money Market Rates

How NCPA Federal Credit Union’s savings rates compare

Compared with banks and credit unions nationwide. $10,000, best rate first.

This credit union’s best
NCPA Federal Credit Union
2.28%APY
Requires
None
Minimum
$250
Earns on $10,000 a year
$228
Money Market Share Account
Top rate
NET Credit Union
6.00%APY
Requires
Monthly account activity
Minimum
—
Earns on $10,000 a year
$600
NET Credit Union rates
2nd-highest rate
Westerra Credit Union
6.00%APY
Requires
Another account
Minimum
—
Earns on $10,000 a year
$600
Westerra Credit Union rates

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Current savings rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

Money Market Share Account

2.28%APY$250 to open

$250 minimum balance must be maintained. $2 monthly maintenance fee if account falls below $250 minimum balance any time during statement period. Dividends compounded daily and paid monthly. No checks can be written and no ACH debits are allowed. Variable rates subject to change daily.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
$250 and up$250 minimum daily balance required to earn dividends. $2 monthly maintenance fee if account falls below $250 minimum balance any time during statement period. Dividends compounded daily and paid monthly. Rates are variable.$250 and up	2.28%	$228	$250 minimum daily balance required to earn dividends. $2 monthly maintenance fee if account falls below $250 minimum balance any time during statement period. Dividends compounded daily and paid monthly. Rates are variable.

Sources (2)

All captured Oct 9, 2026

Savings (Share) Account

0.45%APY$25 to open

Establishes NCPAFCU membership. $25 minimum balance must be maintained to maintain membership and avoid monthly fee. Dividends compounded daily and paid monthly. No checks can be written and no ACH debits are allowed. Funds may be used as collateral for NCPAFCU personal loans.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balance$1 monthly maintenance fee assessed if account is below $25 minimum balance on statement date. No minimum balance required to earn dividends. Dividends accrue when the account balance is greater than zero. Rate is variable.Any balance	0.45%	$45	$1 monthly maintenance fee assessed if account is below $25 minimum balance on statement date. No minimum balance required to earn dividends. Dividends accrue when the account balance is greater than zero. Rate is variable.

Sources (2)

All captured Oct 15, 2026

Special-purpose accounts

Coverdell Education Savings Account (CESA)

3.20%APYIRA$25 to open

Established for benefit of NCPAFCU member under age 18 or any age with special needs. Contributions up to $2,000 in after-tax dollars per year. Tax-free withdrawals if funds used exclusively to pay for beneficiary's qualified education expenses. Dividends compounded daily and paid monthly. $25 minimum balance must be maintained. Variable rate subject to change daily.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balance$1 monthly maintenance fee if account is below $25 minimum balance on statement date. Dividends accrue when the account balance is greater than zero. Rate is variable.Any balance	3.20%	$320	$1 monthly maintenance fee if account is below $25 minimum balance on statement date. Dividends accrue when the account balance is greater than zero. Rate is variable.

Sources (2)

All captured Oct 15, 2026

Health Savings Account (HSA)

3.20%APYHSA

Requires coverage under a qualified High Deductible Health Plan (HDHP) and meeting HSA eligibility requirements. Contributions are tax-deductible and distributions for qualified medical expenses are tax-free. Includes Health Savings Account Debit Card. Dividends compounded daily and paid monthly. Variable dividend rate subject to change daily.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceNo minimum balance required to earn dividends. Dividends accrue when account balance is greater than zero. Rate is variable.Any balance	3.20%	$320	No minimum balance required to earn dividends. Dividends accrue when account balance is greater than zero. Rate is variable.

Sources (3)

All captured Oct 15, 2026

Individual Retirement Account (IRA)

3.20%APYIRA$25 to open

Traditional and Roth accounts available. $25 minimum balance that must be maintained. Dividends compounded daily and paid monthly. Variable rate subject to change daily.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balance$1 monthly maintenance fee if account is below $25 minimum balance on statement date. Dividends accrue when the account balance is greater than zero. Rate is variable.Any balance	3.20%	$320	$1 monthly maintenance fee if account is below $25 minimum balance on statement date. Dividends accrue when the account balance is greater than zero. Rate is variable.

Sources (2)

All captured Oct 15, 2026

Holiday Cash Club Account

0.50%APYClub

Dividends compounded daily and paid monthly. Funds Transfer or ACH/Direct Deposit available. Variable rate subject to change daily.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceNo minimum balance required to earn dividends. Dividends accrue when the account balance is greater than zero. Rate is variable.Any balance	0.50%	$50	No minimum balance required to earn dividends. Dividends accrue when the account balance is greater than zero. Rate is variable.

Sources (2)

All captured Oct 15, 2026

FAT CAT Share Account

0.45%APYKids and teensRequirements apply$5 to open

Designed for children up to 12 years of age who are eligible for membership. Must be joint with a parent, grandparent, or other responsible adult who is an existing member with a regular Share Account. Withdrawals allowed when balance exceeds $25. Eligible for $1,000 of Group Term Life Insurance at no cost.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceDividends accrue when the account balance is greater than zero. Rate is variable.Any balance	0.45%	$45	Dividends accrue when the account balance is greater than zero. Rate is variable.

Sources (2)

All captured Oct 15, 2026

Zard Share Account

0.45%APYKids and teens$25 to open

Designed for youth ages 13-19 eligible for membership. Can be opened individually or joint with a parent, grandparent, or other responsible adult. $25 minimum balance required. Eligible for $1,000 of Group Term Life Insurance at no cost.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceDividends accrue when the account balance is greater than zero. Rate is variable. Minimum balance to maintain is $25.Any balance	0.45%	$45	Dividends accrue when the account balance is greater than zero. Rate is variable. Minimum balance to maintain is $25.

Sources (2)

All captured Oct 15, 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.

Check membership requirements ↗Branches and institution details

← NCPA Federal Credit Union overview