Rates & Fees

View or download the Share & Deposit Account Rate Summary.

Checking Accounts¹
Dividend Rates and APYs accurate as of 5/12/2021

Account Type	Minimum Opening Deposit	Dividend Rate2	APY
Checking	$100	0.15%	0.15%
Zard® Checking	$0	0.15%	0.15%

Share Accounts¹
Dividend Rates and APYs accurate as of 7/3/2024

Account Type	Minimum Opening Deposit	Dividend Rate2	APY
Share	$25	0.50%	0.50%
Zard Share	$25	0.50%	0.50%
FAT CAT® Share3	$5	0.50%	0.50%
Holiday Cash Club	$0	0.50%	0.50%
Money Market Share	$250	2.50%	2.53%

Share Term Certificates (STCs)⁴
Dividend Rates and APYs accurate as of 5/31/2024

Term	Minimum Opening Deposit	Dividend Rate2	APY
6 Months	$250	4.50%	4.50%
12 Months	$250	5.25%	5.25%
18 Months	$250	4.75%	4.75%
24 Months	$250	4.25%	4.25%
30 Months	$250	3.50%	3.50%
36 Months	$250	3.20%	3.20%

Tax-Advantaged Accounts¹
Dividend Rates and APYs accurate as of 7/3/2024

Account Type	Minimum Opening Deposit	Dividend Rate2	APY
IRA (Traditional and Roth)	$25	2.50%	2.53%
Coverdell Education Savings Account (CESA)	$25	2.50%	2.53%
Health Savings Account (HSA)	$0	2.50%	2.53%

Mortgage Loans
Effective Date: 11/13/2024

Loan Type	LTV	Term	Initial Rate	APR5
5-Year ARM	80% or less	30 Years	5.125%	5.389%6
5-Year ARM	80.01% - 90%	30 Years	5.450%	5.824%6
5-Year ARM	90.01% - 100%	30 Years	5.775%	6.256%6
10-Year Fixed Rate	90% or less	10 Years	5.300%	5.518%
10-Year Fixed Rate	90.01% - 95%	10 Years	5.500%	5.718%
15-Year Fixed Rate	90% or less	15 Years	5.500%	5.654%
15-Year Fixed Rate	90.01% - 95%	15 Years	5.800%	5.955%
20-Year Fixed Rate	90% or less	20 Years	6.200%	6.325%
20-Year Fixed Rate	90.01% - 95%	20 Years	6.750%	6.878%
30-Year Fixed Rate	90% or less	30 Years	6.500%	6.596%

ARM = Adjustable Rate Mortgage
LTV = Loan-to-value


Auto Loans
Effective Date: 9/26/2024

Loan Type	Term	APR as low as7
New Auto	36 Months	5.00%
New Auto	60 Months	5.50%
New Auto	72 Months	5.75%
Used Auto	72 Months	6.75%

Personal Loans
Effective Date: 11/01/2023

Loan Type	Term	APR7
Share Secured Installment	24 months	3.10%
Share Secured Installment	48 months	3.50%
Share Secured Term Note	6 months	4.00%
STC Term Note	Remaining term of STC	STC rate + 2%8
Closed-End Signature	72 months	10.75%

Lines of Credit
Effective Date: 10/21/2024

Loan Type	APR Range
Credit Card	12.50% - 15.50%9,10
Open-End Signature	13.00% - 16.00%7,11

Effective Date: 4/09/2024

Monthly Maintenance Fees
Account maintenance fees are charged per statement period. Members can avoid this fee on some accounts if the required minimum balance is maintained as specified.

Account Type	Fee Amount
Checking	$1
Zard® Checking	$1
CashPoints® Global (CPG)	$1 (if there is a balance in the account on the statement date)
Share	$1 (if account is below minimum balance on statement date)
Zard Share	$1 (if account is below minimum balance on statement date)
FAT CAT® Share	$0
Holiday Cash Club	$0
Money Market Share	$2 (if account falls below minimum balance any time during statement period)
Individual Retirement Account (IRA)	$1 (if account is below minimum balance on statement date)
Coverdell Education Savings Account (CESA)	$1 (if account is below minimum balance on statement date)
Health Savings Account (HSA)	$0

Other Account Fees (as applicable)

Fee Type	Fee Amount
Per Item Fee (checks, teller-cashed items and Another Chance items)	$0
NSF (Non-Sufficient Funds)	$20
Overdraft Transfer Service13	$0

ATM Fees
For Using NCPAFCU-Issued Debit Cards

Fee Type	Fee Amount
ATM Fee for using CashPoints® ATM	$0
ATM Fee for using Visa®/PLUS® ATM14 (Completed Transaction)	$0.75
ATM Fee for using Visa/PLUS ATM15 (Attempted and Denied Transaction)	$0.35

Credit Card Fees^{9, 10}

Fee Type	Fee Amount
Annual	$0
Balance Transfer	$0
Cash Advance10	$0
ATM Transaction16	$0.75
International Transaction17	1%
Late Payment	Up to $20
Over Limit	$0
Card Reissue	$0
Rush Delivery of Card	$15

Debit Card Fees
Visa and CashPoints Debit Cards

Fee Type	Fee Amount
Debit Card Replacement	$3
International Transaction17	1%
Debit Card Reissue	$3
Debit Card Rush Delivery	$15
Debit Card PIN Rush Delivery	$15

Gift Card Fees

Fee Type	Fee Amount
Inactivity18	$1/month

Loan Fees

Fee Type	Fee Amount
First Mortgage Late Payment	4% of principal and interest

Safe Deposit Box Fees

Fee Type	Fee Amount
Annual Rent	Varies with box size
Lost Key19	$18
Box Drilling	$145
Late Rental Payment20	$12

Wire Fees

Fee Type	Fee Amount
Incoming Wire	$0
Outgoing Domestic Wire	$10
Outgoing International Wire	$25

Miscellaneous Service Fees

Fee Type	Fee Amount
Cashier’s Check Purchase21	$1
Copies of Items or Images22 (e.g., checks, statements, etc.)	Up to $1 per item
Notary Service	$0
Signature Guarantee Service	$0
Coin Redemption	$0

For additional information, please review the Account Disclosures page.


¹ Dividend rates and annual percentage yields (APYs) for Checking, Share and Tax-Advantaged Accounts are variable and subject to change daily at the discretion of the Board of Directors.
² For dividend-bearing accounts (excluding Checking, Money Market Share and STC), dividends accrue when the account balance is greater than zero. The minimum balance to earn dividends on Share Term Certificates and Money Market Share Accounts is $250. The minimum balance to earn dividends on Checking Accounts is $100. Fees may reduce the earnings on the account.
³ Once the account balance reaches $25, the $25 minimum Share Account balance must be maintained.
⁴ Dividend rates and APYs are fixed for the term of the certificate. Rates, minimum deposit requirements and maturity dates for new accounts are subject to change daily at the discretion of the Board of Directors. Fees and/or penalties imposed for early withdrawal may reduce earnings on account.
⁵ APR is based on a loan amount of $150,000 for the maximum term allowed for each program.
⁶ Rate cannot change by more than 2% every 5 years or 6% over the life of the loan. Future interest rate changes will be determined based on the 5-year Constant Maturity Treasury (CMT) yield.
⁷ APR = Annual Percentage Rate. APR is your cost over the loan term expressed as a rate. Rates are subject to change without notice prior to the completion of the loan. Your actual APR will be determined at the time of disbursement and may vary based on credit score, collateral, and loan terms. If you qualify, we can give you a quote for the current rate and most loan documents can be signed electronically.
⁸ Rate rounded up to the nearest 0.25%.
⁹ APR = Annual Percentage Rate. APR is the cost over the loan term expressed as a rate. The variable APR for purchases and balance transfers equals the U.S. Prime Rate plus a margin of between 4.50% and 7.50%, based on your creditworthiness at account opening. The variable APR is subject to change, with the U.S. Prime Rate, as published in The Wall Street Journal on the first day of your billing period that begins in January, April, July and October. Cash Advances have a fixed APR of 18.00%. The APR will not exceed the maximum permitted by applicable law.
¹⁰ Interest begins to accrue on purchases and balance transfers from the day the transaction is added to the daily balance and continues to accrue until the total amount owed is paid. You can avoid paying interest on purchases and balance transfers if you pay the entire balance for the prior billing cycle by the payment due date in the current billing cycle. You cannot avoid paying interest on cash advances. Interest begins to accrue on cash advances at the time of transfer.
¹¹ The variable APR is calculated by adding the index rate to a loan margin between 4.50% and 7.50% based on creditworthiness at account opening. The index is the U.S. Prime Rate as published in The Wall Street Journal and is subject to change quarterly. The APR will not exceed the maximum permitted by applicable law.
¹² Fees subject to change daily at the discretion of the Board of Directors.
¹³ See our Account Rules and Regulations and our Overdraft Transfer Service Terms and Conditions for more information.
¹⁴ When you use a non-CashPoints ATM, the owner/operator of the ATM or any network used may also charge you fees.
¹⁵ When you use a non-CashPoints ATM, the ATM operator may charge a fee for a balance inquiry even if you do not complete a monetary transaction.
¹⁶ For each financial transaction at a CashPoints, Visa or PLUS ATM.
¹⁷ Visa applies a fee to any international transaction. The fee is 1% of the U.S. dollar amount of the international transaction. An international transaction includes (a) any transaction made in a foreign country, and (b) any transaction made or processed outside of the United States. For more information regarding international debit card transactions, see the Supplemental Terms and Conditions for NCPAFCU Visa Debit, CashPoints, CashPoints Global and HSA Cards, which is a supplement to the Account Rules and Regulations. For more information regarding international credit card transactions, see the Credit Cardholder Agreement. Your Supplemental Terms and Conditions for NCPAFCU Visa Debit, CashPoints, CashPoints Global and HSA Cards and the Credit Cardholder Agreement can be found on our Account Disclosures page.
¹⁸ Monthly fee charged after 12 months of inactivity. See the Gift Card Cardholder Agreement, which can be found on our Account Disclosures webpage, for more information.
¹⁹ Lessees receive two keys for each box. If both keys are lost, the box must be drilled and the drill fee is charged.
²⁰ Fee charged if rent is not collected within 60 calendar days of due date.
²¹ Fee waived for any check in the amount of $500 or more.
²² $0 for member-requested copies in connection with audits and court orders, $0 for other copy requests of 10 items or less, $1 per item for other copy requests after the first 10 items unless prohibited by law. Checks and statements can also be viewed and printed from Press Pass for 24 months [checks] and 18 months [statements] at no charge.